My Gambling Story

I started out just like many of us: playing the fake money games online. One afternoon, I logged into my account to discover a real money balance of $5.00. With all the negative stigma society generally attaches to online gambling, I figured I probably would never put in a deposit with my own money, and this was a chance to see if I could make a few bucks and have some fun. I even played fake money limit hold’em for a couple weeks until I was beating it consistently so I could make the most out of my 5 bucks.

In December 2004 I jumped into the smallest game on the site: 10c/20c limit hold’em. With a lot of luck (and some help from the very loose games), I managed to slowly run my ‘bankroll’ into about $50, at which point I started playing $3 sit’n’go’s, which eventually became $7 and $10 sit’n’gos, and then $1/$2 limit. I was spending a lot of time reading strategy websites, most notably reading the limit hold’em articles (referenced at bottom). At this point (July 2005), my bankroll had reached about $600. I began to read a lot more about bonuses and rakeback, which are absolutely ESSENTIAL to any limit player, as I will outline below.

I began to forgo strategy in favour of hunting down the most lucrative bonuses. I was obsessed with the notion of ‘free money’ via bonuses, and my game (and bottom line) suffered as a result. I struggled playing tough $1/$2 and $2/$4 games at various sites, although I did slowly increase my bankroll. Eventually, I got sick of playing breaking even poker to earn bonus bucks, and I realized that I would never move beyond the small stakes games if I was putting ‘bonus whoring’ before improving my game, so I made a drastic change: I put bonus whoring behind me, and I took my $2,000 bankroll to the Party $3/$6 6max games, which were definitely a lot softer than the Absolute $1/$2 grind.

January 2006: I did very well for a couple months, and then broke even for the next couple. I moved up to $5/$10, and remained a slight winner. I made decent money, but the truth is I was a very mediocre player; bonuses and rakeback kept me barely profitable for a few months. At this point, my bankroll had grown to $16,000, but I compared my winrate to the disgusting amount of rake I was paying, and I decided to return to my bonus-whoring ways, albeit at the same stakes. I realized that a good rakeback deal could more than double my hourly rate, provided the tables remained soft. I did a lot of research on rakeback and bonus deals, which paid off immensely. I played at several sites through the summer and fall of 2006, eventually settling on a VERY profitable prop player deal at a major site, playing the $4/$8 and $6/$12 shorthanded limit games. After a few weeks, however, I became bored. I once again needed a change. Despite the fact that I was making significantly more with this prop deal than at any other site / game, I decided it was time to take a serious run at no limit hold’em. I had made some random, unsuccessful attempts at NL throughout my entire poker experience, but the variance of playing short-handed limit can be unbearable, and to quote a poker-playing friend of mine, “You’re the only person I’ve ever met that plays limit, bro”. I had saved a quote from a post that really stuck with me:

Change sites. Play (alot) less tables. Drop down in stakes (slightly). Think about each decesion. Post hands in strat forums. Limit yourself to a fairly small bankroll and move up in limits quickly (or down if you lose).

Do that for about a month (without falling back into old patterns) and you’ll want to shoot yourself for not doing it a year ago.

He wasn’t kidding. Around Christmas of 2006, I set aside $500 for a run at NLHE. I combined the above advice with my $5.00 limit approach: I started at the bottom, $25NL back at Party (before they had the penny tables ) I read everything I could get my hands on about NLHE, and I am very happy with my results thus far: I’m currently playing $200NL, and I haven’t played a single hand of limit since I deposited that $500 into Party. I am still learning new strategy and concepts about no limit (and poker in general, really) every time I sit down for a session, and my goal is to reach $600NL sometime this summer.

Enough about me. Here’s the meat of this post – if nothing else, please read the section on bonuses & rakeback.

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About Accidental Death Dismemberment Insurance Quote

We don’t hear much about getting an accidental death dismemberment insurance quote as no one is really pushing or promoting the coverage as agents make very little money on it and is not worth promoting. They are looking for the larger ticket items with high commissions that being regular life insurance instead of offering you accidental death dismemberment insurance quotes.

Generally speaking regular coverage is better to satisfy most of your needs as the probably of accidental death is very low. Typically the rate per 1,000 is as little as .08 cents per thousand. Being that inexpensive tells you very few claims are paid through the accidental feature.

Planning your family’s future on such a low probably would be unfair and a real gamble. Chances are you wouldn’t want to gamble with your family’s future. As a supplement coverage this feature may be the right thing to do. Many people travel a lot and the exposure increases significantly.

If for example you purchase a $100,000 policy from natural causes you could add a $100,000 of ad&d for around $8.00 per month more. The dismemberment feature pays various lump sums for different limb losses.

Most agents in presenting various quotes to you normally include the feature. If you go online to get your quotes remember to add the feature(s) you want as the coverage is normally not automatically included. You can also purchase an entire ad&d policy by itself.

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