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New to online Slots? - Starter guide/tips for newbies playing online slots

Okay so I decided to create this guide with the hopes of it becoming a sticky thread for all newbies to the online slots world, to read as we deal with the same topics repeatedly and the same answers/advice are given repeatedly. Not that we do not want to help, but these would prevent you from getting into situations before its too late, or blaming casinos when you were in the wrong.
Signing up or Registration
Registration – Please carefully read the general terms and conditions about every "Right" the casino has and please note that you accepted these terms upon signing up, which means you are saying you are okay with it and agree with what the casino state about what they can and cannot do.
Claiming Bonuses
Read the bonus terms carefully before claiming any bonuses and look for the following pointers when reading the bonuses rules:
There are other bonus terms that I have not mentioned but I think the above ones are the most important as these could affect you in terms of confiscation of your winnings should you breach any of them.
Verification
This is pretty much standard for a casino to ask for some form of Identification, proof of address and proof of deposit when requesting a withdrawal. Depending on the amount win, some casinos might not need documents, however when a substantial amount has been won additional verification or security checks might be done which means a longer withdrawal time frame. Verification or KYC is necessary, however I feel when casinos ask for selfies with your ID next to you etc. in my opinion is just ridiculous. Also, I have noticed some casinos requesting your source of income to see where you get the money to make deposits etc. This seems standard and you would need to do it to get your withdrawal, however all of us have different opinions about this verification procedure.
Withdrawals
Many casinos have different withdrawal time frames and when you accept the general terms and conditions you have to a abide by them, by this I mean stop being impatient and complain that the casinos withdrawal time frames are the worst etc. As you knew this before you started playing provided you have read the terms and condition. You decided to deposit and play so then wait for your money, eventually it will come unless you breached some rule, or the casino is a rogue casino.
Here are some of the tips you should note when it comes to withdrawals at casinos:
Self-Exclusion
Self-Exclusion is a big thing these days and most cases substantial amounts are involved that are being confiscated. There are at times very little that us forum members or even AskGamblers can do when a player self-excluded and played at a sister website or similar, as we know the result and of course the house is kind of right. However, I think it's bad that a casino only realizes the self-exclusion portion on a player profile once it reaches withdrawal stage, because I feel they should have something in place that can detect that you self-excluded upon registration or before you even make your first deposit. People with gambling problems tend to self-exclude but the alternative is to read this guide - https://www.askgamblers.com/forum/topic/2152-sos-i-am-addicted-to-gambling-what-to-do/ . My advice is to keep your casino account open and do not play there anymore, because even if you request a permanent account closure, some casinos tend to self-exclude you without you knowing it and this would cause problems in future since you opened another account at their sister website or something.
submitted by Sea_Yogurtcloset_752 to bestcasinoscanada [link] [comments]

Former investment bank FX trader: some thoughts

Former investment bank FX trader: some thoughts
Hi guys,
I have been using reddit for years in my personal life (not trading!) and wanted to give something back in an area where i am an expert.
I worked at an investment bank for seven years and joined them as a graduate FX trader so have lots of professional experience, by which i mean I was trained and paid by a big institution to trade on their behalf. This is very different to being a full-time home trader, although that is not to discredit those guys, who can accumulate a good amount of experience/wisdom through self learning.
When I get time I'm going to write a mid-length posts on each topic for you guys along the lines of how i was trained. I guess there would be 15-20 topics in total so about 50-60 posts. Feel free to comment or ask questions.
The first topic is Risk Management and we'll cover it in three parts
Part I
  • Why it matters
  • Position sizing
  • Kelly
  • Using stops sensibly
  • Picking a clear level

Why it matters

The first rule of making money through trading is to ensure you do not lose money. Look at any serious hedge fund’s website and they’ll talk about their first priority being “preservation of investor capital.”
You have to keep it before you grow it.
Strangely, if you look at retail trading websites, for every one article on risk management there are probably fifty on trade selection. This is completely the wrong way around.
The great news is that this stuff is pretty simple and process-driven. Anyone can learn and follow best practices.
Seriously, avoiding mistakes is one of the most important things: there's not some holy grail system for finding winning trades, rather a routine and fairly boring set of processes that ensure that you are profitable, despite having plenty of losing trades alongside the winners.

Capital and position sizing

The first thing you have to know is how much capital you are working with. Let’s say you have $100,000 deposited. This is your maximum trading capital. Your trading capital is not the leveraged amount. It is the amount of money you have deposited and can withdraw or lose.
Position sizing is what ensures that a losing streak does not take you out of the market.
A rule of thumb is that one should risk no more than 2% of one’s account balance on an individual trade and no more than 8% of one’s account balance on a specific theme. We’ll look at why that’s a rule of thumb later. For now let’s just accept those numbers and look at examples.
So we have $100,000 in our account. And we wish to buy EURUSD. We should therefore not be risking more than 2% which $2,000.
We look at a technical chart and decide to leave a stop below the monthly low, which is 55 pips below market. We’ll come back to this in a bit. So what should our position size be?
We go to the calculator page, select Position Size and enter our details. There are many such calculators online - just google "Pip calculator".
​
https://preview.redd.it/y38zb666e5h51.jpg?width=1200&format=pjpg&auto=webp&s=26e4fe569dc5c1f43ce4c746230c49b138691d14
So the appropriate size is a buy position of 363,636 EURUSD. If it reaches our stop level we know we’ll lose precisely $2,000 or 2% of our capital.
You should be using this calculator (or something similar) on every single trade so that you know your risk.
Now imagine that we have similar bets on EURJPY and EURGBP, which have also broken above moving averages. Clearly this EUR-momentum is a theme. If it works all three bets are likely to pay off. But if it goes wrong we are likely to lose on all three at once. We are going to look at this concept of correlation in more detail later.
The total amount of risk in our portfolio - if all of the trades on this EUR-momentum theme were to hit their stops - should not exceed $8,000 or 8% of total capital. This allows us to go big on themes we like without going bust when the theme does not work.
As we’ll see later, many traders only win on 40-60% of trades. So you have to accept losing trades will be common and ensure you size trades so they cannot ruin you.
Similarly, like poker players, we should risk more on trades we feel confident about and less on trades that seem less compelling. However, this should always be subject to overall position sizing constraints.
For example before you put on each trade you might rate the strength of your conviction in the trade and allocate a position size accordingly:
​
https://preview.redd.it/q2ea6rgae5h51.png?width=1200&format=png&auto=webp&s=4332cb8d0bbbc3d8db972c1f28e8189105393e5b
To keep yourself disciplined you should try to ensure that no more than one in twenty trades are graded exceptional and allocated 5% of account balance risk. It really should be a rare moment when all the stars align for you.
Notice that the nice thing about dealing in percentages is that it scales. Say you start out with $100,000 but end the year up 50% at $150,000. Now a 1% bet will risk $1,500 rather than $1,000. That makes sense as your capital has grown.
It is extremely common for retail accounts to blow-up by making only 4-5 losing trades because they are leveraged at 50:1 and have taken on far too large a position, relative to their account balance.
Consider that GBPUSD tends to move 1% each day. If you have an account balance of $10k then it would be crazy to take a position of $500k (50:1 leveraged). A 1% move on $500k is $5k.
Two perfectly regular down days in a row — or a single day’s move of 2% — and you will receive a margin call from the broker, have the account closed out, and have lost all your money.
Do not let this happen to you. Use position sizing discipline to protect yourself.
​

Kelly Criterion

If you’re wondering - why “about 2%” per trade? - that’s a fair question. Why not 0.5% or 10% or any other number?
The Kelly Criterion is a formula that was adapted for use in casinos. If you know the odds of winning and the expected pay-off, it tells you how much you should bet in each round.
This is harder than it sounds. Let’s say you could bet on a weighted coin flip, where it lands on heads 60% of the time and tails 40% of the time. The payout is $2 per $1 bet.
Well, absolutely you should bet. The odds are in your favour. But if you have, say, $100 it is less obvious how much you should bet to avoid ruin.
Say you bet $50, the odds that it could land on tails twice in a row are 16%. You could easily be out after the first two flips.
Equally, betting $1 is not going to maximise your advantage. The odds are 60/40 in your favour so only betting $1 is likely too conservative. The Kelly Criterion is a formula that produces the long-run optimal bet size, given the odds.
Applying the formula to forex trading looks like this:
Position size % = Winning trade % - ( (1- Winning trade %) / Risk-reward ratio
If you have recorded hundreds of trades in your journal - see next chapter - you can calculate what this outputs for you specifically.
If you don't have hundreds of trades then let’s assume some realistic defaults of Winning trade % being 30% and Risk-reward ratio being 3. The 3 implies your TP is 3x the distance of your stop from entry e.g. 300 pips take profit and 100 pips stop loss.
So that’s 0.3 - (1 - 0.3) / 3 = 6.6%.
Hold on a second. 6.6% of your account probably feels like a LOT to risk per trade.This is the main observation people have on Kelly: whilst it may optimise the long-run results it doesn’t take into account the pain of drawdowns. It is better thought of as the rational maximum limit. You needn’t go right up to the limit!
With a 30% winning trade ratio, the odds of you losing on four trades in a row is nearly one in four. That would result in a drawdown of nearly a quarter of your starting account balance. Could you really stomach that and put on the fifth trade, cool as ice? Most of us could not.
Accordingly people tend to reduce the bet size. For example, let’s say you know you would feel emotionally affected by losing 25% of your account.
Well, the simplest way is to divide the Kelly output by four. You have effectively hidden 75% of your account balance from Kelly and it is now optimised to avoid a total wipeout of just the 25% it can see.
This gives 6.6% / 4 = 1.65%. Of course different trading approaches and different risk appetites will provide different optimal bet sizes but as a rule of thumb something between 1-2% is appropriate for the style and risk appetite of most retail traders.
Incidentally be very wary of systems or traders who claim high winning trade % like 80%. Invariably these don’t pass a basic sense-check:
  • How many live trades have you done? Often they’ll have done only a handful of real trades and the rest are simulated backtests, which are overfitted. The model will soon die.
  • What is your risk-reward ratio on each trade? If you have a take profit $3 away and a stop loss $100 away, of course most trades will be winners. You will not be making money, however! In general most traders should trade smaller position sizes and less frequently than they do. If you are going to bias one way or the other, far better to start off too small.

How to use stop losses sensibly

Stop losses have a bad reputation amongst the retail community but are absolutely essential to risk management. No serious discretionary trader can operate without them.
A stop loss is a resting order, left with the broker, to automatically close your position if it reaches a certain price. For a recap on the various order types visit this chapter.
The valid concern with stop losses is that disreputable brokers look for a concentration of stops and then, when the market is close, whipsaw the price through the stop levels so that the clients ‘stop out’ and sell to the broker at a low rate before the market naturally comes back higher. This is referred to as ‘stop hunting’.
This would be extremely immoral behaviour and the way to guard against it is to use a highly reputable top-tier broker in a well regulated region such as the UK.
Why are stop losses so important? Well, there is no other way to manage risk with certainty.
You should always have a pre-determined stop loss before you put on a trade. Not having one is a recipe for disaster: you will find yourself emotionally attached to the trade as it goes against you and it will be extremely hard to cut the loss. This is a well known behavioural bias that we’ll explore in a later chapter.
Learning to take a loss and move on rationally is a key lesson for new traders.
A common mistake is to think of the market as a personal nemesis. The market, of course, is totally impersonal; it doesn’t care whether you make money or not.
Bruce Kovner, founder of the hedge fund Caxton Associates
There is an old saying amongst bank traders which is “losers average losers”.
It is tempting, having bought EURUSD and seeing it go lower, to buy more. Your average price will improve if you keep buying as it goes lower. If it was cheap before it must be a bargain now, right? Wrong.
Where does that end? Always have a pre-determined cut-off point which limits your risk. A level where you know the reason for the trade was proved ‘wrong’ ... and stick to it strictly. If you trade using discretion, use stops.

Picking a clear level

Where you leave your stop loss is key.
Typically traders will leave them at big technical levels such as recent highs or lows. For example if EURUSD is trading at 1.1250 and the recent month’s low is 1.1205 then leaving it just below at 1.1200 seems sensible.
​
If you were going long, just below the double bottom support zone seems like a sensible area to leave a stop
You want to give it a bit of breathing room as we know support zones often get challenged before the price rallies. This is because lots of traders identify the same zones. You won’t be the only one selling around 1.1200.
The “weak hands” who leave their sell stop order at exactly the level are likely to get taken out as the market tests the support. Those who leave it ten or fifteen pips below the level have more breathing room and will survive a quick test of the level before a resumed run-up.
Your timeframe and trading style clearly play a part. Here’s a candlestick chart (one candle is one day) for GBPUSD.
​
https://preview.redd.it/moyngdy4f5h51.png?width=1200&format=png&auto=webp&s=91af88da00dd3a09e202880d8029b0ddf04fb802
If you are putting on a trend-following trade you expect to hold for weeks then you need to have a stop loss that can withstand the daily noise. Look at the downtrend on the chart. There were plenty of days in which the price rallied 60 pips or more during the wider downtrend.
So having a really tight stop of, say, 25 pips that gets chopped up in noisy short-term moves is not going to work for this kind of trade. You need to use a wider stop and take a smaller position size, determined by the stop level.
There are several tools you can use to help you estimate what is a safe distance and we’ll look at those in the next section.
There are of course exceptions. For example, if you are doing range-break style trading you might have a really tight stop, set just below the previous range high.
​
https://preview.redd.it/ygy0tko7f5h51.png?width=1200&format=png&auto=webp&s=34af49da61c911befdc0db26af66f6c313556c81
Clearly then where you set stops will depend on your trading style as well as your holding horizons and the volatility of each instrument.
Here are some guidelines that can help:
  1. Use technical analysis to pick important levels (support, resistance, previous high/lows, moving averages etc.) as these provide clear exit and entry points on a trade.
  2. Ensure that the stop gives your trade enough room to breathe and reflects your timeframe and typical volatility of each pair. See next section.
  3. Always pick your stop level first. Then use a calculator to determine the appropriate lot size for the position, based on the % of your account balance you wish to risk on the trade.
So far we have talked about price-based stops. There is another sort which is more of a fundamental stop, used alongside - not instead of - price stops. If either breaks you’re out.
For example if you stop understanding why a product is going up or down and your fundamental thesis has been confirmed wrong, get out. For example, if you are long because you think the central bank is turning hawkish and AUDUSD is going to play catch up with rates … then you hear dovish noises from the central bank and the bond yields retrace lower and back in line with the currency - close your AUDUSD position. You already know your thesis was wrong. No need to give away more money to the market.

Coming up in part II

EDIT: part II here
Letting stops breathe
When to change a stop
Entering and exiting winning positions
Risk:reward ratios
Risk-adjusted returns

Coming up in part III

Squeezes and other risks
Market positioning
Bet correlation
Crap trades, timeouts and monthly limits
​
***
Disclaimer:This content is not investment advice and you should not place any reliance on it. The views expressed are the author's own and should not be attributed to any other person, including their employer.
submitted by getmrmarket to Forex [link] [comments]

Modern tips in 2020 to help you quit online gambling.

Some background - I am a recovering gambling addict from the UK, so some of the stuff I will write may be a bit UK specific, but the general theme will apply to most countries.
If there are similar alternatives in your country - comment them below - it could help others out a lot.
Everything I write about below is 100% free.
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BLOCK ACCESS TO CASINOS
  1. A recent tool some bank apps in the UK have added is the ability to block all gambling deposits from your card. Turn this setting on. If you then try to disable it, it will take several days for it to actually kick in. This way, you can't just undo it when you get the urge to gamble. If your bank doesn't offer this, IT'S TIME TO CHANGE TO A BANK THAT DOES, AND THEN CLOSE YOUR CURRENT ONE. Banks I'm aware of which offer this are: Monzo, HSBC - I'm sure there's many others.
  2. GAMSTOP is a free gambling blocking service in the UK that when you register with it, betting companies operating in the UK must check with this service to see if you have registered a self-block. If the betting companies detect you have registered, they must not let you register with them/continue using their service. GAMSTOP can take upto 72 hrs to kick in once you have registered. Do it now. https://www.gamstop.co.uk/
  3. Permanently exclude yourself from any betting site you already have an account with. GAMSTOP should hopefully do this for you - but regardless, log in to any betting sites you are registered with and go to Responsible gambling > exclusion, and permanently exclude yourself. One thing I used to be concerned with about this was - if I have a pending withdrawal and I do this, what happens? The answer is - your withdrawal will still be processed, you do not need to worry. Do it, and never look back.
​
MUTE CASINOS FROM YOUR ONLINE SOCIAL LIFE
  1. Twitter allows you to mute certain words - so any post containing such words that would normally appear in your feed - will now become completely invisible. I had a lot of accounts I follow retweeting betting adverts or just talking about betting in general, and now I no longer see anything remotely like this. To do this, go to Settings > Content Preferences > Muted > Muted Words. I added words: bet, accumulator, casino, odds. Other social networks may offer similar features, but I only use twitter.
  2. Block betting email adverts from getting to your inbox. GMAIL allows you to filtecatch certain words from incoming emails - and if it picks a match up - those emails will be dumped straight into your spam folder. I cannot remember the last time I had a casino email arrive in my inbox since I set this up. To do this in GMAIL - Click the Gear icon in the top right, go to Filters and Blocked Addresses, Create new filter, then in 'Has the words' field - enter your words. E.g casino, bet etc.
  3. Get a free AD BLOCK tool. On my PC, I use google chrome for internet. I have the chrome extension ADBLOCK. This automatically blocks adverts on things like Google search, YouTube, Twitter etc. I barely see adverts at all anymore - and most importantly, any betting adverts. If you've never installed an extension before, don't worry, it literally takes a few seconds. If you use firefox or another browser, google ad block for x, there are alternatives for there too. For chrome: https://chrome.google.com/webstore/detail/adblock-%E2%80%94-best-ad-blockegighmmpiobklfepjocnamgkkbiglidom
​
DON'T F WITH CRYPT* CURRENCIES OR ONLINE TRADING
I quit gambling a few years ago, and fell into this trap. I saw all the coins going up and up, and shoved a load of money into it. I didn't fully realise I was just straight up gambling at the time. I lost a fortune doing this. Do not let anyone rope you into this - all the stories are the same as regular gambling - you don't hear about the miserable stories, only the unlikely success stories. In the steps for muting/filtering above - I also added words related to this: 'trading', 'b*tcoin' etc.
​
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Good luck! I'm 2 years clean now, here's to the next 2.
submitted by STOP_GAMBLING to GamblingAddiction [link] [comments]

Ego Casino 20 Free Spins Bonus No Deposit Required

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Ego Casino Review - Bonus Codes, Free Spins & More

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Closely tied to the customer care is the willingness of a casino to review and resolve complaints filed against them. At the time of writing this review, we weren't able to find a single complaint filed against this casino. To be fair, it is a new casino and it will take time to see how they handle themselves in the long run.
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submitted by freespinsmobile to u/freespinsmobile [link] [comments]

Link Joker123 - Slot Game Review

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submitted by womib to LinkToJokerSLot123 [link] [comments]

How to officially resign from SGI-USA (and SGI-UK)

When you leave SGI, that's typically a fairly complicated, even difficult decision, and depending on your SGI experience, it might involve some significant degree of trauma. What you DON'T need is SGI members and leaders continuing to pester you with offers to chant, suggestions you meet with this leader or that, invitations to SGI activities, etc. You'll likely be wanting to make a clean break. If any of your fellow SGI members are genuine friends, they'll stay your friends and interact with you without reference to SGI. But keep in mind - so long as SGI continues to keep you on their membership list, they will continue to regard you as an "inactive member". Any SGI members who already know you will be instructed to cozy up to you, be all friendly-like, and to stay socially involved with you, in the interest of eventually bringing you back into the SGI. SGI leaders will discuss your situation and give any SGI members who know you encouragement to stay in contact with you, for purposes of manipulating you back into membership at some later date.
SGI has this overwhelming attachment to its membership cards (ooh! Another for the Big List of SGI Fetishes!). So long as yours remains in the membership card box, every month or two, the SGI members with access to that box will be meeting in their "Member Care" meetings to talk about you and discuss how best to get to you, and even to assign complete strangers the task of contacting you - giving out your name, phone number, and address without your permission.
Sound good?
Q: How to get the unwanted contact to stop?
A: The letter of resignation.
The reason this can only be done by letter† is because the SGI is an authoritarian top-down organization that utilizes a pyramid structure in which only the top echelon has the authority to do certain things, like remove members' personal information from the SGI databases. So don't waste your time with the local or lower-level leaders; they do not have the authority to remove or change records in the SGI databases. Sure, you can tell them you're done with SGI and want nothing further to do with the Ikeda cult, but they do not have the authority to do anything about that. You can send them a copy of your letter when you're done with it, so hang onto a copy.
In legal precedents, the US courts have determined that every individual has the right to resign unilaterally from a religious organization. You don't need anyone's permission; you don't have to jump through any hoops or complete any assignments or meet with specific persons first. Once you have formally, officially withdrawn your permission for a religious group to keep your personal information on file, they must remove it if you so request.
So you'll request. Here's how:
First, you write your letter. You'll want to include specific actionable items (select the items below that apply to you), and you must send it to the national HQ:
 SGI-USA Membership Department October 14, 2020 National Headquarters 606 Wilshire Blvd. Santa Monica, CA 90401
To SGI-USA Membership Office:
I hereby resign my membership in the SGI-USA, effective immediately, and request you to remove my name and that of my minor children permanently from any and all of your organization's membership records. This includes my/our name/s, street address/es, phone numbes, email address/es, birth date/s, contribution history, and any other information that SGI has collected about me/us. You must instruct any SGI-USA leaders who have any connection to me/us to destroy my/our membership card/s and purge my/our contact information from their own contact lists immediately. Any continuing retention of my/our personal information will be regarded as identity theft and I/we will consider pursuing legal remedies if we find any evidence of this.
Your receipt of this letter acknowledges my formal and official notification that I no longer give my permission for SGI-USA to keep my personal information or that of my children on file at any SGI-USA location anywhere. I hereby withdraw my consent to being treated as a member and I withdraw my consent to being subject to SGI-USA rules, policies, beliefs and 'discipline' (if any). As I am now no longer a member, I require that my name and those of my children be permanently and completely removed from all membership records of the SGI-USA at every organizational level.
The SGI-USA is no longer permitted to use my/our personal information or that of my children for any purpose or in any capacity.
I wish no further contact from representatives of your organization except to confirm that our names have been removed from your records throughout the SGI-USA organization. I expect to receive that confirmation within a reasonably short time.
My name and address: XXXXXX, 1234 Nowhere St., Anywhereville, USA, 00000
My children’s names: XXXXX, XXXXX, XXXXX [same address]
I also expect a full refund of the remaining balance on all my publications (subscription number[s] XXXXXXX) and a refund of any deposits I made on future conferences/travel [identify if applicable]. My automatic contributions are to be stopped immediately; any further charges to my account will be reported as fraudulent to my financial institution.
Sincerely yours,
[Your name here]
That's it! You can send it snail mail or go to your local post office and send it certified mail for a couple bucks - that means someone has to sign for it and then you've got your confirmation that it was received. If you like, you can include in your letter your reasons for leaving, or tell them what you don't like about SGI, or really anything you please, but you don't have to. If you want to keep it "Just the facts", you certainly can.
Then, send a copy of your letter of resignation to everyone who routinely contacts you via email.
If SGI-USA HQ DOESN'T send you your confirmation letter, you can send them something like this:
You need to follow up with them if you don't receive that confirmation letter! They not only didn't send me a confirmation letter but, when I went onto the sgi-usa website, my account was still active. That meant that they had not wiped out my personal info as requested. I checked what the state laws (I'm in PA) are regarding unauthorized retention of personal info, and it can be interpreted as identity theft. I wrote them another letter, telling them that I would take further legal steps if necessary; within ten days, I not only had a confirmation letter but they also refunded me the balance on my WT and LB subscriptions. I'm betting that my member card is probably still in the box - I suppose I'll find that out next month when they start contacting people for their contribution campaign. Source
A couple of extra steps: Access your account through the online portal; I believe you can change your name and phone number there. Make it not-yours.
If any SGI members continue to contact you, feel free to send them something like this:
Dear ,
I am surprised and concerned that you should send me a message when I have formally handed in my resignation letter to the SGI, and have asked them to delete my information from their records.
The fact that yourself, as a membeleader, of the organisation should send me a message would appear to breach the data protection regulations because neither SGI members, nor its leaders have my legal consent to hold my contact information or contact me.
I urge you to delete my contact details as soon as possible and to avoid the illegal retention of my personal data.
Source
Here's another option:
Yesterday I submitted formally (hand delivered and mailed) my resignation letter to the HQ in Santa Monica. My attorney wrote it and made it very powerful, basically saying... “ to whom it may concern Upon receiving this letter you must cease and desist all contact with X. Any form of communication is unsolicited and unwarranted. Please delete and destroy any information you have on him in your database. You may not share any information of his through any means of communication. Failure to abide by these requests will result in swift and immediate legal action."
I didn’t even tell anyone I was considering leaving. To them it’s like they will be getting it out of the blue from a member they thought was up and coming and becoming more and more dedicated. I feel like this was pretty harsh, but at least it was a clean break and now there is no going back. Time to turn that chapter of my life. Source
Now, as to your gohonzon, altar, and misc. SGI paraphernalia, those are all yours to do with as you please. You can keep it all if you like (since you paid for it); you can give it away, recycle it, throw it away, donate it, or burn it in a bonfire! The sky's the limit!
Note that we only have resignation instructions for SGI-USA and SGI-UK at this time - if anyone has similar information from any other countries, please let us know. We'll edit it into this post.
You can see the instructions for how to officially resign from SGI-UK here - you'll be invoking the UK's 1998 Data Protection Act.
I also recommend that you review this: WHY won't they believe us when we explain why we left?
You should not expect that ANYONE within SGI will affirm your decision to leave. To the cult mindset, there is never any acceptable reason to quit, yet 95% to 99% of SGI-USA members have quit anyway. If you try to explain, they will argue. They will talk down to you as if you're a rebellious child insisting upon eating candy for dinner. They will say, "If you ever want to talk, I'm here for you", but you'll notice they never ask YOU a question - they keep themselves in the position of authority. They expect YOU to need them and seek THEIR counsel, which they'll dispense from high up on their Gakkai thrones. They believe that you will see your life go to hell, understand just how wrong you were to leave, and come crawling back, begging for forgiveness. They'll be watching and waiting for that, in fact, and telling each other, "Any day now..."
† - Some former SGI members have reported success using emails; the above information for the resignation letter can be adapted for an email if you so choose. If you have any trouble with this, please let us know.
submitted by BlancheFromage to sgiwhistleblowers [link] [comments]

Botnets

Have a plan to steal millions from banks and their customers but can’t write a line of code? Want to get rich quick off advertising click fraud but “quick” doesn’t include time to learn how to do it? No problem. Everything you need to start a life of cybercrime is just a few clicks (and many more dollars) away.
Building successful malware is an expensive business. It involves putting together teams of developers, coordinating an army of fraudsters to convert ill-gotten gains to hard currency without pointing a digital arrow right back to you. So the biggest names in financial botnets—Zeus, Carberp, Citadel, and SpyEye, to name a few—have all at one point or another decided to shift gears from fraud rings to crimeware vendors, selling their wares to whoever can afford them.
In the process, these big botnet platforms have created a whole ecosystem of software and services in an underground market catering to criminals without the skills to build it themselves. As a result, the tools and techniques used by last years’ big professional bank fraud operations, such as the “Operation High Roller” botnet that netted over $70 million last summer, are available off-the-shelf on the Internet. They even come with full technical support to help you get up and running.
The customers of these services often plan more for the short term than the long game played by the big cyber-crime rings. They have very different goals. Botnet infrastructures can be applied in lots of ways for different sorts of profit—cash, information, or political gain. There are many ways to make money off botnets beyond outright theft, such as using them to steal advertising clicks, generate spam e-mails for a paying client, or renting out bots for denial-of-service attacks. And the same basic principles used to distribute botnets have been creeping up in more targeted attacks to steal intellectual property or to spread the malware used in the recent “wiper” attack on South Korean banks and broadcasters.
So how easy is it to get into the botnet business? Well, Ars decided to find out. Given the surprising availability of botnet building blocks online, I set out to build a shopping list to understand how everything is bought and sold within this black market. It all started with checking sources through a few Web searches then making trips into Web forums I dared visit only with a virtual machine and Google Translator’s help. All I had to do was paste in “botnet” in Cyrillic, and I was on my way down the rabbit hole.
To assemble your list for some of the simplest get-rich-quick schemes, all you need is about $600, a little spare time, and no compunctions about breaking laws to make a profit. I didn’t deploy an Ars-enal of botnet destruction in the end, but I absolutely could have. That may be the scariest lesson here. It looks like you’re trying to build a botnet… There are no personal shoppers to help walk you through the underground marketplaces to identify what fits a particular criminal scheme—though there may be plenty of people willing to give you paid advice on how to get started.
With absolutely no budget for bitcoins, I got my start with some help from Max Goncharov, a security researcher for Trend Micro who specializes in following the Russian underground marketplaces for online fraud services. Goncharov came to Washington, DC in late March for a Trend Micro press briefing, and he laid out some of the basic things that go into a beginner fraudster’s software and services shopping cart: botnets, malware-spreading tools, and hacking for hire. (Goncharov detailed some of these services in a paper published late last year and presented during this press road show.)
Goncharov’s suggested setup came with a $595 price tag for the first month of operations and a monthly cost of $225 to sustain the operation. Of course, that price is for a particular type of botnet. It isn’t representative of everything that’s running wild on the Internet today. It also assumes total noob-hood. For those seeking to do something a little less overtly criminal than stealing credit card numbers or committing wire fraud, there are less expensive options. With a little sweat equity, you can pull off a workable botnet for a fraction of that price. If you’re willing to try it without the benefits that come from paying professionals—like software updates, monitoring services, and 24/7 technical support—you can cut the cost back even further.
With my rough estimate in place, it was time to actually start some research of my own. Hello overseas VPN connection, Google Translator, and Google.ru—time for the underground hacker marketplace. The marketplace of (bad) ideas The “underground” forums do more than just give would-be criminals access to a level of service that might make some enterprise software companies look bad. They also act as a sort of hiring hall for people with very specific skills (like hacking webmail accounts) or botnets of their own ready to do a paying customer’s bidding. On these barely underground sites, hacker wares are made available to anyone willing to pay. Current versions of Zeus and SpyEye botnet software are for sale, or you can find the last version cracked by someone for cheap or free.
Many of the sites run under the thin veneer of “security” discussion boards. But they’re often paid for by advertisements for the tools sought by a certain class of cyber-criminal: botnet-herders and the service provider ecosystem that has sprung up around them. These are largely the small and medium businesses of cybercrime, following a well-worn approach to making money. If you cast a big enough net, you’re bound to catch some fish. The botnet herders’ standard business plan is to “use exploit kits, and then run a phishing campaign or some sort of campaign against massive numbers of people with hopes that someone is going to click on a link and get the exploit to drop a botnet or banking trojan onto their machine,” said Nicholas J. Percoco, senior vice-president of Trustwave and head of the company’s SpiderLabs penetration testing and security research team.
“Once they’ve done that, it goes down the path of them monitoring them when they do banking transactions, or the botnet may be involved in spam or distributed denial of service attacks. Or maybe it’s a sort of Swiss Army knife botnet that can do many different things depending on what that botnet herder decides, or what he makes it available to do for people who want to utilize his or her botnet.” No matter what the racket, Percoco told Ars, the equation for botnet herders is the same. “From a criminal’s perspective, they’re looking at massive numbers of attacks to achieve their financial goals.” They’re also looking at massive turnover.
When a piece of malware like a botnet lands on thousands of PCs, “it may hit the radar of an antivirus company pretty quickly,” Percoco noted. That means time and money spent on finding new victims, deploying patches and updates, paying for new exploits, and generally continuing the game of “whack-a-mole” with antivirus companies and other organizations—as the mole. Building a botnet shopping list I did some additional research afterward to check Goncharov’s math, and I also looked at some alternative approaches. The underground software market for hacking, fraud, and botnet tools has matured to the point where developers provide most of what you’d expect from legitimate software and online service providers—maybe even more.
There’s full support for the paid services, including 24/7 voice support in some cases, in a business where positive word of mouth in forums is the best (and often only) advertising. And there’s no shortage of “consultants” to help you get started. Botnet software itself is an important part of the whole equation, but it’s only a fraction of first-month startup costs—and one that’s fungible if you’re willing to invest some of your own sweat equity in the setup (or dispense with the “legitimate” route and use a cracked version without software support). Just like any Internet business, launching a financial fraud botnet—or any kind of long-running botnet endeavor—requires a sustainable business plan. You need to know your target market, ensure distribution, keep your installed base a step ahead of the competition, and keep your business processes secure.
Here’s a typical botnet-herder’s startup shopping list: A “bulletproof” VPN Before you start building a bot army of incredible magnitude, you need— just as with any other hacking endeavor of questionable legality—to hide yourself from prying eyes. That means using some sort of tool to avoid monitoring by your ISP, law enforcement, and other cybercriminals. Generally speaking, the best way is a virtual private network. As confessed LulzSec member Cody Kretsinger found out, not all VPN providers are created equal. He used a service called HideMyAss.com, a VPN and proxy service run by UK-based Privax Ltd. Unfortunately, he didn’t read the company’s privacy and legal policies, and they gave up his logs when law enforcement came knocking. “Bulletproof” VPN services are ones that claim to be shielded from law enforcement requests because of their location or logging practices.
Many of these services have disclaimers about “abuse” of the services, but the fact is that they take a number of anonymous forms of payment (CryptoVPN, for example, accepts Liberty Reserve, Bitcoin, and a number of other similar anonymous payment services). At worst, these services may just cancel your account if it attracts too much trouble. A typical “bulletproof” VPN service, such as CryptoVPN runs about $25 a month. If you’re thinking long-term, you can sign-up for $200 a year. However, it’s best not to think long-term if you’re botnet-herding; it may behoove you to change services every now and then to keep your profile low. Budget Botnet Shopper’s Price: $25 / month. A “bulletproof” host Once you’ve got your network secured, you need some place to host your botnet’s command and control network and all of the other assorted badness needed to launch a massive assault on the unsuspecting world. For those without the skills, time, or desire to simply go hack someone else’s server every couple of weeks, that means buying a dedicated or virtual dedicated server from someone who doesn’t care what you’re doing—lest your botnet’s nerve center be wiped during a security sweep or seized by law enforcement.
There are many kinds of “bulletproof” hosts catering to various kinds of customers. Most of them buy space in data centers around the world in places with either weak data privacy laws or plain disregard for what other countries’ laws say. This provides a sort of insurance policy for their customers, Goncharov said. At a minimum, the data on the servers won’t be given up to law enforcement. Some are smaller hosting companies such as Hostim VSE, a Romanian hosting company with a Russian language website more targeted at protecting pornographers, pirates, and other targets of DMCA takedown requests. Hostim VSE publicly denounces botnetters and financial fraudsters to prevent attention from local law enforcement. It describes “bulletproof hosting” as “hosting resistant to complaints and other types of attacks on competitors.
When placed on a standard website hosting, your site can receive complaints from competitors under the guise of copyright holders. In consequence of this, most other hosting providers disable your site until the circumstances [change]. We also review all such complaints, check its validity, conduct a site audit, demand [the accuser] to produce documents confirming the rights, and otherwise deal with all to settle the conflict, and only then disable the client’s site.” All of this, the company says with a wink, takes a lot of time and human resources, and as a small company there may be some delays before it gets around to it. In other words, “don’t worry—we’re inefficient.” Hostim VSE’s dedicated servers start at $39/month with additional charges for more bandwidth.
The company also, ironically, provides DDoS protection and other support services. But prices for its services will rise dramatically if you’re attracting too much attention or using too much bandwidth. For really hard-core criminal undertakings, there are the more specialized underground “bulletproof” hosting services that are run specifically for malware owners. These offer hosting at a significant markup in exchange for looking the other way. These operations generally don’t maintain webpages. They advertise strictly in underground forums and do business over ICQ, Jabber, and other instant messaging. Mihai Ionut Paunescu, the 28-year old Romanian behind underground host powerhost.ro, was caught in December by Romanian authorities. His servers were home to the Gozi financial malware command and control network.
Paunescu kept tabs on exactly what sort of business his users were up to and charged accordingly. In some cases, the rates reached thousands per month, averaging better than a 100-percent margin on the servers he managed. Of course, many of these hosting companies provide support (in some cases, 24-hour voice support via phone or Skype) and help with configuring Apache and MySQL on dedicated hosts for customers who are generally clueless about such things. Budget Botnet Shopper’s Price: $50/month, plus spot “consulting.” Bulletproof domains and “fast flux” In order for your bots to reach your host reliably, you need some domain names—fully qualified domain names that allow you to have full control over the domain name service (DNS). You’ll want a bunch so you can avoid making yourself obvious in the DNS logs of networks that get infected. You’ll also want to register those domains with a registrar that’s not going to roll on you and shut you down on the first complaint of abuse. You need someone who will shield your identity from the prying eyes of security firms and law enforcement.
In other words, you want a bulletproof registrar. Preferably, it’s one that accepts payments via Western Union or some other anonymous service. Of course, it’s never a bad idea to have some additional protection to make sure that you cover your trail completely by using a “fast flux” scheme. This hides your servers’ true location by assigning the DNS addresses to a rapidly changing set of proxies. Fast flux providers will take your domains —or even register them for you—and then assign host names to a collection of their own bots. These in turn pass traffic between your bots and your server. By using a short “time to live” for the host “A” name records in the DNS server, fast flux systems create hundreds of potential communication paths for the bots. Fast flux service is costly.
An advertisement on one forum recently offered to support five DNS name servers for customers starting at $800. So for most starting botnet operations getting their feet wet, just registering a few domain names may be enough to begin with. Budget Botnet Shopper’s Price: $50 for five domains. Your choice of botnet / C&C platform The current editions of botnet-building frameworks are sometimes sold by their developers for premium prices. Carberp was sold by its developers prior to their recent arrest for a whopping $40,000 as a kit, while the current Zeus toolkit sold for about $400 when it first hit the market. But the market pays what the market can bear, and most first-timers can find less expensive options that are easier to sustain. Do-it-yourselfers who don’t care about things like patches and full support can find “cracked” versions of some of these toolkits (or ways to disable their licensing code) for free.
There’s also an option to pick up older but still supported versions on the aftermarket. Zeus’ source code was released to the world last year, sort of turning it into “open source,” so you can now purchase supported versions of it for $125, plus $15 per month for updates to the code and $25 for monthly 24/7 new customer support. That could include everything from helping a noob fix a misconfigured server to doing a whole walkthrough of configuring the PHP scripts and MySQL backends for the system over Skype. You could always just use one of those YouTube guides, though, and save some money. Budget Botnet Shopper’s Price: $125, plus $40/month for support. Web attack “injector” kits The Zeus botnet’s market dominance has created a whole additional ecosystem of software add-ons to make its bots do various things.
A big part of that market is “injectors”—the add-on modules that tell the bot what to watch for in browser activity and what code to inject into the browser when it visits targeted websites. There are financial botnet injectors that insert Web code into banking sites. These injectors try to grab your personal information to hijack your account, make wire transfer withdrawals, or even change the values presented in your online statement to conceal all of it. Other types of injectors could be used for things like click-fraud— changing the links that users click on to direct them to different websites, while sending a referral code to a Web advertising provider to collect the pay-per-click. Some new botnets have been configured to simply generate clicks in the background on webpages without the computer user seeing them, creating ad revenue without the user scratching his head about why he ended up on a Russian porn site instead of the car insurance site he was trying to visit. Beginners can buy injector packs for a set of banks through marketplaces and pay for direct support to help install, tune and customize them. In some cases, these require some server setup as well to properly harvest the data collected.
It sounds complicated, but there are people happy to help you figure it all out for a small fee. Budget Botnet Shopper’s Price: $80, plus $8/month for support. An exploit tool or service In order to take command of victims’ PCs, a bot herder needs a reliable way of defeating the basic security provided by operating systems, browsers, and e-mail anti-virus scanners. That usually means relying on an “exploit pack” or some other crafted application exploit. The modus operandi of most bot herders is to use Web links as the delivery method for their malware, sending out streams of spam to potential victims in the hope that someone will fall for their social engineering. One click leads to a webpage set up to drop a package of nastiness on them. There are ready-made exploit packs, loaded with code written specifically for the purpose of planting malware on victim’s PCs that can be purchased and installed on a Web server or “rented” as a service. Botnet builders can rent capacity on these services or outright buy them.
A Phoenix exploit kit (like the one used to seed the recent Bamital botnet), can be purchased for $120, plus another $38 per month for patches and technical support, according to Goncharov. BlackHole, another market leader in exploits, offers its latest and greatest as a leased service for $50 a day, with extra fees for traffic overages. BlackHole also comes with an Oracle-like annual license for those who want to deploy on their own server. That costs $1,500 per year, with various add-on functionality fees. Budget Botnet Shopper’s Price: $120 for the kit, plus $38/month for support. Crypters and dropper builders The problem with just pushing a Zeus bot in its raw form out to targets through an exploit is that the Zeus bot is bound to be detected by antivirus software because of its signature. To prevent that, botnet-herders turn to “dropper” malware that disguises the bot trojan, delivering it in encrypted form to disguise the file signature of the trojan and its associated files. Creating a “dropper” requires the services of a malware “crypter.”
Some are sold as straight software, with added services to see if the signatures of built droppers have been picked up by antivirus companies’ databases. Others are sold purely as a service, with timer-based licenses, and may include the antivirus signature check as a built-in service. There are even crypter services now available on the Web, delivered as a service. One such service offers dropper-building at the rate of $7 per “sample.” Another key to not getting caught is “antisandbox” code that detects if the malware has been dropped onto a sandboxed system or virtual machine— such as those used by digital forensics experts and security analysts. If the code detects that it’s been deposited inside such a system, it can prevent the botnet trojan from being deployed and giving up the nature of the code it carries.
Antisandbox code is a feature of some crypters. If you want to save some money—and aren’t particularly concerned about whether your bot gets picked up after a while by antivirus scans—there are sites offering “cracked” crypter kits for free. Special delivery: Spam and social engineering services But wait! You still have to deliver the exploit link to drop your botnet package on your unsuspecting (or possibly suspecting) victims. How do you get them to click on that link? The traditional route is by blasting semi-convincing spam messages and hoping people are dumb enough to click on a link in them to see a video, download a document, or reconfirm their PayPal information. That typically means buying a spam blast, often from another botnet operator. Some spam-masters have moved their focus to social networks and charge not per message but per hit. You can spam out to social networks and over SMS with clickjack links using “borrowed” credentials or leave it to the professionals to do it for you for around a buck per thousand targets. But that’s the old-fashioned way. The new-fashioned way is to use “spearphish” attacks that use social information about the target in some way that convinces them to click the link, either through a social network message in a compromised account or an e-mail that appears to be from a friend.
If you want to make it even more convincing, you can always pay someone to hack a victim’s e-mail address to get access their account and contacts. Then it’s a simple as posing as the victim to fool all their friends. For beginners, spam remains the best bet. It can be used to hit a variety of potential targets and it’s relatively cheap: cheap spamming services can run as little as $10 per 1 million e-mail addresses, with better services based on stolen customer databases running five to ten times as much. Budget Botnet Shopper’s Price: $50 for an initial blast to qualified addresses. Economies of scale Using our budget shopper prices, that adds up to about $576 for the first month of operation. None of these purchases guarantee success, obviously, and it could take multiple spam attempts and help from other specialists to finally establish that botnet you’ve dreamed of.
Even then, the payoffs are not necessarily that big. There’s a glut of botnets already out there and botnet herders may be up against a short window before detection. On the upside, it’s an easy game to buy into—unlike the bigger, more enterprise-scale cyber-crime rings behind big corporate data breaches. While the whales of the cybercrime game may share some of the basic technology approaches with their smaller cousins, they have more in common with the intellectual property stealing “Advanced Persistent Threat” (APT) hackers alleged to be associated with the Chinese military (though they may surpass them in skill). Trend Micro Chief Technology Officer Raimund Genes said during the DC briefing that he thought the recent alleged Chinese APT attacks had been uncovered largely because they lacked the finesse of Eastern European cybercrime rings.
The bigger financial hacking organizations—which are a small number of organizations of hundreds or perhaps even thousands of people—operate in their own closed forums, sometimes on “darknets,” where you can only gain access by being invited. While there’s some use of botnets by the major cyber-crime rings, they tend to want to protect their investments in the more specialized, targeted attack tools they use. Botnet use is sparse in that space. “Once they get access to the environment,” Percoco said, “they then deploy custom pieces of malware that are sometimes written from scratch, brand new, never been utilized before—and they plant them on specific systems within the environment.” As a result, the data breaches caused by these targeted hacks can go on for months, even years before being detected.
A study released by Percoco’s team at Trustwave in February found that the average targeted attack went more than 210 days before it was detected. And this detection was usually because of a customer complaint or notification by law enforcement or a payment processor, not because antivirus software detected the hack. At some companies, the hacks lasted more than three years without being detected, all while millions of credit card transactions and other data were being pumped back to the hackers.
Botnet operators generally go big or go home in their attacks. But the tools they use can just as easily be applied to the long game if they’re used in a targeted fashion and they apply some of the lessons learned by the bigtime hacking organizations. “Swiss Army knife” botnets and remote administration tools can be used as part of a poor man’s APT by those who are willing to take the time to do the research and social engineering to get their malware in the right place. And just because Zeus and other botnets are a known threat doesn’t mean they can’t be used in stealth. According to the siteZeusTracker, the average detection rate for Zeus binaries by antivirus software is only 38 percent. And that’s for known Zeus botnets.
submitted by oozes14767 to u/oozes14767 [link] [comments]

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UK LibDem opinons on UK policy ideas (immigration, unions, advertising, electoral reform etc)

I'm not sure if this is allowed here. I would call myself an environmental libertarian-ish. I was a member of the Lib dems from 2012-2013. I am a Marxist in that I use a materialistic interpretation of history and events. I have some ideas that I think would benefit the UK. Some of which are in line with Lib Dem ideas. I would love to know what you guys think or what you think would be a better idea. Please criticize. I hope to have a dialogue about this as much as possible.
Drugs
Decriminalise all drugs (much like portugal) treat it as a mental health issue. A lot of people take drugs because of homelessness and poverty so by dealing with those hard drug use will go down. Legalise Cannabis, Mushrooms (and most hallucinegics), LSD, MDMA, Steroids and Cocaine (https://www.theguardian.com/commentisfree/2009/jun/13/bad-science-cocaine-study). Tax them inline with the estimated costs for misuse of them. Regulate them like tobacco and alcohol.
Obesity and Food
Ban the sale of energy drinks to children below 16. Ban the sale of very sweet confectionery and drinks to children below 16 (some Mexican states have done it recently), This includes in schools. Tax very fatty, sugary or nutritionally rare foods in line with what the estimated costs are for the NHS to deal with the health problems caused by them (much the same way we do with alcohol, tobacco and in my tax system other drugs). Possibly Ban the use of High Fructose Corn Syrup and Margarine in UK foods. Possibly make it mandatory to fortify very cheap foods with minerals and vitamins so the impoverished can get more nutrients. although the body doesn't absorb these very well so it might be pointless. Ban the Injection of water in meat to make it look bigger.
Plain Packaging and warning labels on Junk food like cigarettes. make the nutritional information for actual representative portions. If companies shrinkflate a product then they have to put it on the packaging of the product that they have done so. Ban the sale of Alcohol and Tobacco to pregnant women (not sure how you enforce this).
Make it illegal for a company/business to throw away food stuff and make them donate it to foodbanks/food charities (Like France)
Advertising/product placement/
Ban all adverts to children in any way. I think you could also make toys/mannequins sold in the UK have realistic proportions for both boys and girls. Ban junk food ads, alcohol ads, vaping ads, gambling ads, payday loan ads, ads for big SUV/highly polluting vehicles. Ban the sponsorship of events by any of these things either. Ban product placement, ban TV shows for kids that have toys explicitly linked to them. All ads that have photo shopped used need to a sign saying they've been photo shopped and very thin models have to have a medical certificate that they are healthy (like France).
Gambling/Games
Ban or reclassify Loot box systems in games. Make fixed odds betting machines have lower returns. Either tax very highly online gambling sites (spin wheel style), forced break periods or make it a state monolopy. Gambling is effectively a license to print money. Why shouldn't the state take the proceeds from what is a worthless noncontributing part of the economy. Either make the lottery state run and recieve all the profits for public work or ban it and replace it with a government bond deposit scheme like premium bonds but a lower threshold to enter.
NHS
repeal the Blair laws making the NHS act more a competitive business which have proved to ineffective. Make the English NHS system more in line with the Scottish system.
Tax or in some make people who do more dangerous activities pay a small amount extra for the increased likelihood of needing the services of the NHS like motorcyclists, horse riders, extreme sportspeople.
Ban the ever greening of drugs so they can be made cheaply and generically. If a pharma company has received funding to develop a drug then it must be sold at cost (or much lower profit). Somehow democratise the access to science and medical journals e.g. higher tax, made to be free if research was publicly funded, government run science journal).
Free speech
Repeal a lot of the Blair era censorship legislation. repeal with 2014 porn ban.
prostitution
Legalize brothels. but make prostitution licensed to stop sex trafficking. Mandate the wearing of a condom. Possibly make it that you can only be a prostitute if you hold a british passport to stop sex trafficking from abroad.
Trade Unions
repeal the anti-trade union legislation.
Electoral reform
I think a system like Single Transferrable Vote would be better than FPTP. I think that registered political parties should somehow get some minimum funding from the state to facilitate a healthy and varied democracy. Remove the hereditary peerages from the house of lords.
availability of credit
I don't think payment plans for normal consumer goods should be available. I think it should be harder to get a pay day loan than it currently is.
Fines
I think that fines for speeding, other fine-able offenses should be means tested and shouldn't have a cap.
Copyright
I think that Copyright should expire for everything after 50 years. So at the this point everything from before 1969 should be in the public domain. I think any British citizen creator who leaves the UK to not pay income tax should have the copyright for their work removed in the UK when they do leave.
Welfare
Introduce Universal basic income in the UK. Replace all the means tested and tedious bureaucracy associated with current system. I think it should start from 18 years old and increase slightly each year. Maybe start at 5,000 pounds and by your thirties move up to 10,000 pounds by the time you want to start having kids etc. I think UBI would make work always pay more than being on benefits. It would disincentive benefits fraud as well as people having children to acquire more benefits.
Tax
I do believe in a progressive taxation system. I think the tax free threshold should be raised. I think the brackets for taxation are good at the moment but I would add higher tax thresholds at higher rates e.g. 50% at 200,000, 60% at 500,000. I am unsure what the upper limit should be for tax rate or income. The rich will leave anyway (Jim ratcliffe most recenty) no matter what the tax rate is. If they ever wants to come into the UK they should have to pay to do so. If they have a knighthood it should be taken away.
Immigration.
Remove all EU citizens not in critical under supplied or high paying jobs from the UK as well migratory workers from outside the EU. Syrian Civil war refugees should go back as well, The war is over now. basically as many people as possible should be made to go back to their country of origin without directly endangering their lives. I think the pay threshold for workers to legally migrate here should be much higher probably 40,000 pounds a year. There should ideally be no net migration to the UK each year.
children and population growth
I think the UK should aim for net 0% population growth. I think couples who want to have kids should be made to screen for any hereditary recessive genetic diseases before they plan to have a child so they can know if they're kid is going to be disabled/Birthing complications. Possibly if a couple is high risk of a genetic diseased child people should have to have in the womb embryo testing as well to see if theyre child has any genetic diseases. I think people should be discouraged from having lots of children especially those without the means to provide for them. However if people do decide to have kids I think the provision for parenting should be a lot. 2+ years of paid maternity leave. Free parenting lessons, support as much as possible the needs of the child and mother in the critical early bonding years.
Ban all Child beauty pageants including trans ones (like France has done). I don't think children can legally consent to hormone replacement drugs. Ban Gay conversion therapy. I think the age of criminal responsibility should be raised should be raised to about 14. I think there are arguments to lower the age of consent in the UK to 15.
Euthanasia
Legalise child euthanasia (like belgium and the netherlands https://en.wikipedia.org/wiki/Groningen_Protocol). Legalise normal euthanasia for people of any age as well.
the environment
Library of things/Repair cafes in towns and cities to be able to more easily repairs good or not have to buy in the first place.
Ban or curtail the sale of bottled war. Install more water fountains and public bathrooms instead.
Government subsidy scheme to better insulate homes across country.
More extensive use of nuclear fission energy for electric generation.
Large scale food waste reclamation for Compost or animal feed.
Subsidy for Ground source heat pumps for poor households
Subsidy for Thermal exchangers in home for poor households
Make planned obselescene illegal. Make right to repair legally mandated.
simplify the amount and types of plastic products to make it easier to recycle goods. Ban non recyclable plastics from being used in single use items.
Ban paper junk mail and possibly free newspapers.
Make products label their expected lifetime (from average use) so consumer knows what a good long lasting product is. For large electric goods perhaps put a minimum expected lifespan for it to be sold in the UK.
I think you could legislate to make products illegal from rainforests or unsustainable harvested forest (palm oil specifically)
Tax loopholes
Make all gift-aid illegal, make art donations as tax write off illegal, donations to think tanks,charities illegal as tax write-offs,
Currently if you live outside the UK for more than 6 months you don't pay any income tax. I think the amount of income tax you pay should be proportionate for how long you spend in country with a bare minimum of 20% (estimate).
Make shell companies illegal so large multinationals can't escape to tax havens and not pay corporations tax. If they don't ban them from trading in the UK. This may need to be done in a coalition of states working together.
education
Repeal Blair era education legislation that created needless hoops and paper work for teachers. Repeal new laws that teachers can you sources from anti-capitalist, anti-democratic sources etc. Repeal the Gove/Cameron legislation that made schools behave like businesses. The point of school is for the kids to work hard and earn qualifications not the teacher. It is an inherently discriminatory system. allow at GCSE much more education in technical qualifications. e.g. bricklaying, carpentry, electricians, machine work, DJing etc . I don't think they need to start doing it at 16 or above. I think there's an argument that children should be able to leave school at 16. Some of the courses they do are pointless. Apprenticeship pay is so low that in the short term it makes more sense to get a minimum wage job. Atleast make apprenticeship pay in line with minimum wage to incentivise it rather than literally force kids to be extremely cheap labour like now.
self defense
I think it should be legal to carry around pepper spray, mace or stun gun especially for women. The criminals already have weapons. Why not decriminalise the ability for an individual to defend themselves especially women. Free female self defence classes.
BBC
Release all BBC created media onto the Iplayer. The British Tax payer paid for it. Why shouldn't they be able to access it. Perhaps make a BBC iplayer app to host it all for foreigners to use and pay for like Netflix.
business
Make corporations who sell goods in the UK prove that they don't come from slave/child labour. If they don't then they can't sell that product in the UK. Ban or reclassify Multi Level Marketting companies as Ponzi Schemes. Label Scientology as a cult (like Germany has). Regulate detox tea and supplements like any other medicine/pharmaceutical. One day a year allow any to search for a named person and see what their salary is (Norway does this). Get rid of 1 and 2 penny, they cost too much to make for what they are.
Government
Ban former MPs from ever holding any business position once they retire. Make them divest all their business interests before being an MP. Make their spouses and children's company's to never receive state money or have a job in a state enterprise. Same goes for Generals/Civil Servants. Spread of Government facilities from London to other cities e.g. does any every ministry need to be in London? Pay HMRC accountants/auditors much more than they a company would so they tell the government the loopholes companies use to not pay tax. Make it Financially rewarding to be ethical.
VAT
Remove VAT for resold,recycled products, upcycled products, products that are good the planet (re-chargeable batteries, battery chargers). Effectively re brand VAT as a carbon tax. Completely remove VAT on sanitary products, all energy efficiency/saving products.
University
make universities offer their humanities subjects as an online only option as well as in person so that people can do their degree from anywhere and not necessarily in the expensive university town. The course would be cheaper. Make foreign students pay for their healthcare when they are here. Give less money to unis with more beneficiary (e.g. red brick unis). They already have so many endowments they don't need as much from the state. Foreign students can't work at all while studying here.
Housing
Change the rental legislation that tenants can legally not pay full rent if a landlord hasn't done repairs to the standard of the property when the renter moved in.
No foreigner can own more than 2 homes in the UK (in Thailand you can't own any property unless you're Thai)
Cap the number of a properties anyone can own. especially for buy to let landlords.
If a house has sat vacant for too long it has to be put on the market as a competitive price.
Rent control for a property inline with inflation for renters.
Houses cannot be treated as an investment where it doesn't matter if its occupied or not. A roof over ones head is a right.
Homelessness
Expand the access to homeless shelters. The best way to stop human and sex trafficking as well hard drug use to is stop homelessness.
migratory farm workers
Ban migratory farm workers in the UK. There are thousands of underemployed Uni, GCSE, college and A level students who have months off school in the picking season. Why not pay them to pick fruit and vegetables? Same thing goes for homeless people. Get them all to pick fruit and veg.
littering & dog tax
Small tax on having a dog to pay for dog park maintenance, dog bins, etc. Small tax on single use packaging to pay for more Bins on high street, bins to be emptied more regularly to reduce littering. Same small tax on tobacco for cigarette butt bins.
Misc
Legalise Polygamy.
These are all my ideas. Please critique them.
submitted by MemeTimeRadioHour to LibDem [link] [comments]

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Eskimo Casino Review
Eskimo Casino features a tropical theme, which couldn’t be further from the ‘cool’ name it bears. Owned and operated by Lux Entertainment Limited, Eskimo Casino is the first and only gambling product owned by the company. Eskimo Casino is a new casino, having only launched in 2018, which means it has an uphill task of competing with long-established casinos with a worthy fan-base. However, this Maltese registered company have designed a casino with the player in mind; from easy navigation to an instant play feature. Whatever you love to place a bet on, you will find it here. The casino is accessible across all devices and again, no apps required to play on mobile or tablet devices. Customers can enjoy the casino in the English language only. Promotions-wise, there is the generous welcome offer and that’s it!
Let’s find out more in this Eskimo Casino review!
Design & Features
The design and layout of Eskimo Casino are very unique, what with an uncluttered welcome page waiting to greet you. The latest promotions will be featured to the top of the page and beneath this, is where you will find the games lobby. There is no menu or links to other sections such as promotions because there are none! The colour scheme is blue, to give a feel of an ice cool environment, but the games will soon warm you up. Head to the lower of the page and you will find a handful of links which include terms and conditions, bonuses, payment and contact.

What makes Eskimo Casino one of the best EU online casinos?

The Eskimo on the front page of this casino site is a cute cartoon girl.
We have no idea why this casino site is themed this way, other than almost all the other possible themes for casino sites are gone!
Whether or not you like this cute and approachable look there’s much more to a good casino site than just the front page illustration.
And we think that Eskimo Casino is one of the best EU online casinos and one that you should consider playing at.
This is why we think that.
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Eskimo Casino is licensed, legal and safe

Eskimo Casino is fairly new, with a birthday in 2018, but it’s got a parent company that is slightly older than that in the shape of Lux Entertainment Ltd.
They have licenses from the UK Gambling Commission, and the Malta Gaming Authority, two of the most demanding authorities in the world.
They have a lot more safety and security measures in place too, including auditing and extra online security from Go Daddy, and great links to gambling safety organizations.

Eskimo Casino has the World’s Best Slots

Great titles from great providers are what most players are looking for first. So, after you’ve checked the licensing (as we insist you do), you’re going to browse their games.
There you’ll find some big-name titles like Book of Lords, Finn’s Golden Tavern, Flower Fortunes, Conan, Deco Diamonds, and Jackpot 6000.
These titles show the breadth of games on offer, taking in character games, classic retro games, and novelty titles.
It’s a great selection.

Eskimo Casino has great Live Casino Games

There are really two top quality live casino providers at the moment. They are NetEnt and Evolution Gaming.
At Eskimo Casino, you’ll find the selection from NetEnt live.
This means superb games delivered live and streaming with excellent dealers and croupiers.
The games include all your favourites, like roulette and blackjack, but also a load of variants on those titles and slightly less common games too.

Eskimo Casino Takes Great Payment Methods

To play any of those games you’ll need to have money in your account. And Eskimo allow you to cash up your account via all the industry’s current favourite payment methods.
You can use your Visa and MasterCard cards, as well as their online wallets. But also e-wallets like the industry’s faves, Neteller and Skrill as well as Paysafecard, Trustly, and more.
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Eskimo Casino has 24/7 Help

Help is the last resort for casino players. You don’t want to use it, but it needs to be there. Eskimo go a long way to reassuring you before you call them, and have a good FAQ page and a lot of information around the site.
Help is there though from a customer support team who are available around the clock whenever you fancy playing at Eskimo Casino.
Whether you’re playing video slots, slots, table games or live casino games, you can always find help at Eskimo Casino, one of the coolest sites we’ve ever seen.

Eskimo Casino Games

Amatic, Microgaming and NetEnt are the force behind the games here at Eskimo Casino. That means not as much choice as leading casinos, yet, there is something to suit all tastes and budgets.
The layout of the games lobby is simple and places all the games into the following categories:
  • Popular: Here you will find the games that are played more often than others. Titles will change on a regular basis, so keep checking to see if your favourite games are listed.
  • Video slots: This list is an extensive one, offering games from adventure to sports! Avalon, Alaskan Fishing, Aloha! Cluster Pays, Ariana, Blood Suckers II, Brides Maids, Break Da Bank Again, and Burning Desire are just a few to mention.
  • Slots: In this section of the lobby you will find classic slots, those that feature bars and bells and nostalgic gameplay. Players can choose to play the classic slots with nothing but base game wins, or more modern creations with multipliers and may be even bonuses thrown in for good measure. Cash Splash, Fire & Ice, Hot Scatter, Hot Star, Jackpot 6000 and All Ways Joker are among the 30-odd titles featured.
  • Live casino: Place your bets in an atmosphere that resembles a real-life casino, when you sit at the virtual tables at Eskimo Casino. Common Draw Blackjack, Live Blackjack, Live Mobile Roulette High Roller, Live Roulette, VIP Live Blackjack, and VIP Live Roulette are the tables being beamed directly from NetEnt studios.
  • Table games: There are almost 40 different table games to choose from in this category of the games lobby. Red Dog Progressive, Punto Banco, French Roulette, Pontoon Pro – High Limit, and Caribbean Stud Poker are just a few of the more popular games being played.
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Eskimo Casino welcome bonus and other promos

New customers at Eskimo Casino are welcomed with 10 free spins with no deposit required when they sign up and add a payment method. Don’t worry, nothing will be taken from your bank account unless you wish to take advantage of the welcome offer.
Once you’ve played through your freebies, you can claim a 100% casino bonus up to €100. So if you were to deposit €100, you would have a total of €200 to play with. Not only that, but an additional 100 free spins will be credited to your account and you can use them on the following slots:
  • Finn and the Swirly Spin;
  • Wild Wild West;
  • Shangri-La;
  • Aloha! Cluster Pays;
  • Joker Pro.
All bonuses (so that’s just the welcome offer and the free spins), will be subjected to a 35x wagering requirement. This means that if you were to take advantage of the full welcome offer, not only would you would need to play through any winnings accrued from the free spins, a total of 35x – but a €200 welcome bonus means an eye-watering €7000 turn over requirement before you can request a withdrawal.

Treated like a VIP?

Unfortunately, you will find no loyalty scheme no VIP program on offer at Eskimo Casino. We hope to see these added at a later date.

Banking Options

Deposit options
Funding your casino account can be done through a handful of deposit methods; Visa, MasterCard, Skrill, PaysafeCard and Bank Transfer. The cashier lists useful information and pre-set value buttons, to make the depositing process an easy one. Follow the on-screen instructions and within a few minutes, you will have funds in your account.
  • Currencies accepted are: Euros.
Withdrawals at Eskimo Casino
There’s limited information on the withdrawal process, but Eskimo Casino claim to be able to sort withdrawals within a 24 hour period. Typically, all major credit and debit cards can take up to 3 working days to process. So, if Eskimo Casino can do this in under one day – then that’s fast!
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Safe and trusted

‘We pride ourselves at Eskimo Casino on being able to provide our customers with only the coolest, highest-quality games and our table games, including blackjack and roulette, are just the tip of the iceberg! We also offer players the opportunity to enjoy slots, video slots, live casino games and jackpot games – so there’s not a snowball’s chance in hell we won’t have something to suit your gaming needs! Here at Eskimo Casino, we won’t make your blood run cold. Our RNG (Random Number Generator) games are all fully-licensed and certified and therefore our customers can rest assured that the outcomes of these games are purely random and cannot be influenced in any way.
What’s more, Eskimo Casino offers live dealer games for those customers who come to us seeking the ‘real casino’ vibe. You don’t even have to worry about getting cold feet on your way to the casino! These live dealer games are broadcast to you from state-of-the-art live casino studios so you can feel as if you’re stepping right into the glitz and glamour of a real casino without even having to leave the comfort of your own home!’
Eskimo Casino is licensed and regulated by the Malta Gaming Authority (MGA), this means that the casino operates in full compliance with the rules and regulations set by the MGA.

What’s the verdict of Eskimo Casino?

Can we start with Eskimo Casino’s claim to be the ‘friendliest bonus system online’; ‘Every online casino has its own bonus system but why would you settle for something lukewarm when you could join Eskimo Casino and enjoy the coolest and friendliest bonus system of them all. Here at Eskimo Casino, your bonuses are kept available in a separate wallet. As an Eskimo Casino customer, you will always play your own cash first and if and when your cash funds are lost, you will then be able to continue playing with your bonus funds.
The advantage of this is that Eskimo Casino customers and players are never bonded to our bonus terms whilst playing with their own cash funds. If one of our customers wins big with their own cash funds, they are always then able to cancel their bonus funds and continue playing in our live online casino, or withdraw their profits.’
Now, anyone who has ever played at an online casino knows that cash is spent before bonuses, so I’m not sure how this is even considered as friendly!
There is a decent selection of games to choose from and some life-changing cash up for grabs, but the lack of bonuses and loyalty scheme are noticeable. You can tell that the company who owns Eskimo Casino don’t have much experience in the online gambling industry because they are doing nothing to keep players coming back for more. It’s all very well and good offering a generous welcome bonus, but once claimed, what do customers have to look forward to? That being said, the 5x wagering terms are hefty and I’m not sure how anyone could cash out from that.
>> Register Now and Get Free Bonuses <<
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Winners Magic Casino - free spins, bonus code, promotion

Winners Magic Casino - free spins, bonus code, promotion
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Winners Magic Casino Gratis Spins and Free Bonus
As soon as you create your account with Winners Magic Casino, you will get free spins and free money bonus. Enjoy 100 gratis spins on Starburst or Gemix plus 100% up to 200 EUR or USD. All new players welcome. No download needed! You can also play on mobile!
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CASINO REVIEW

Welcomes you with €200 and 100 Free Spins!
The Sorting Hat has changed his occupation from determining which Hogwarts student fits into which Hogwarts house, to determining who will win the big jackpot at this fantastic new online casino. Winner’s Magic is a brand-new online casino which first saw the light of day in May 2019. The online casino is owned by VitaMediaLabs ApS and operated by the well-known White-label-provider Aspire Global.
The website is available in an array of languages ranging from English to German, and also including Norwegian and Finnish. The availability of the casino in different languages means that more people can access the website in their native tongue making it more attractive to players from different corners of the world. Despite the internet reaching everywhere and the casino’s hard work to make it available in several different tongues, Winner’s Magic is restricted to players from Australia, France, Italy, and the United States as well as all countries where online gambling is prohibited by national and/or local law.
In another measure to make their casino available, safe, and trustworthy, Winner’s Magic Casino has acquired remote gambling licenses. This means that with the licenses their customers have an authority to turn to in case they are feeling mistreated. The gambling authorities set up rules and regulations which the online casino must follow to be licensed, the seriousness of such rules depends on the authority. The Malta Gaming Authority and the UK Gambling Commission are two of the toughest gambling authorities and Winner’s Magic is licensed with both, meaning that customers can feel safe when using this online casino.
The online casino also implements an encryption key (128Bit-SSL) to ensure that all private data, handed by the customer to the casino, is kept safe and far away from unauthorized eyes. Additionally, Winner’s Magic is also audited by an independent auditor iTech Labs. They ensure that the games available to play on the casino are random and fair.
Winner’s Magic does not only set out to be a fair and honest online casino experience, but they also want to offer their customers entertainment and fantastic bonuses and promotions. All new players are therefore greeted to the casino with a Welcome Bonus consisting of up to €200 and 100 Free Spins. The Free Spins are allocated to the beloved slot machine from NetEnt – Starburst.
If you want to learn more about this casino, this online casino review will explore all of its parts, starting with taking a closer look into the welcome bonus and other promotions available at the online casino. The review will also look into the online casinos game library, their payment methods, the design of the website as well as the customer support. When concluding, we will reward Winner’s Magic with a score on our Barometer. A high score on that barometer means that we recommend the casino while a lower score means that there are other casinos which we prefer before the mentioned casino.
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Winners Magic Casino Bonus and Loyalty Program

As a new player at Winner’s Magic Casino you are welcomed with a match-up bonus and a total of 100 Free Spins. To receive this the player must make a first deposit of a minimum of €10. The casino matches your first deposit on up to €200 and at this time the first 20 Free spins are allocated to the popular slot machine Starburst. The match-up bonus, as well as the Free Spin winnings, must be wagered a minimum of 35x within 21 days of receiving the bonus.

We have broken down the bonus below for interested players:

• 1st deposit: 100% Match-up bonus on up to €200 + 20 Free Spins to Starburst.
• 2nd deposit: if on the second day a deposit of minimum €20 is made, 40 Free Spins to Starburst are received.
• 3rd deposit: if on the third day a deposit of minimum €20 is made, 40 Free Spins to Starburst are received.
No players from Sweden are available to take part in the bonus. The Free Spins must be used on the day they are received. Players can withdraw their deposited money before the wagering requirements are met but in doing so the bonus will expire. There are a lot of terms and conditions associated with the bonus, this is standard practice. It is also worth noting that not all games contribute to the wagering requirements the same. To learn more about which games contribute what to the wagering requirements players can read so here: https://download.gamesrv1.com/Resources/External/bonusterms/tc\_eng\_EUR.html The bonus might not give players a lot in terms of winnings, but it does allow the player to experience the casino and what it has to offer without depositing too many of their funds.
In addition to the bonus, Winner’s Magic is intent on offering promotions to customers as the website has a promotion tab, currently only the welcome bonus is available there. As this casino is an Aspire Global operated casino, we are sure that more promotions will be available soon. We always recommend our readers to take a look at each promotion’s terms and conditions as these may vary.
The online casino offers an exciting loyalty program to all players. The best part about this program is that the more you play the bigger the rewards you can reap are. There are 7 levels in the VIP-program. Each level gives the player something special. For example, as a “Silver Member” the player will get 10 Free Games on Sunday, be able to take part in VIP Live Tournaments and receive a birthday bonus. All but two levels are achievable by just wagering money on the casino. Each €16 wagered reward 1 point, to achieve the highest available level 1000 points are needed. The two top levels “Premium VIP” and “Prestige VIP” can only be reached through exclusive invitation, these members will receive Personal Account Managers as well as higher Deposit and Cash Out Limits.
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Winners Magic Casino Games

To keep players engaged to the online casino there must be a big variation of games for players to be entertained and thrilled. A casino’s game library can often make or break it. Being an Aspire Global operated online casino means that Winner’s Magic can offer their customers plenty of options not only when it comes to the number of games but also the number of different categories. Winner’s Magic offers seven categories where players can find games “Featured Games”, “New”, “Video Slots”, “Classic”, “Casino Games”, “Scratch Cards”, and “All Games”.
The biggest category (if you disregard the “All Games” category) is the “Video Slot” category which includes over 400 games. These games are supplied to the casino by some of the most well-known and highly regarded game suppliers in the industry. Some of the most popular slot machine games include “Book of Dead”, “Fruity Friends”, “Wolf Riches” and “Aztec Gold”. These games are supplied by greats within the game supplier industry such as NetEnt, Microgaming, Play’N Go, PariPlay, and BetSoft. The “Video Slots” category also includes jackpot games such as “Bonanza”, “Aztec Gold – MEGAWAYS”, and “Royal Seven XXL”. When a winner hits a jackpot, other players will be able to see their success as Winner’s Magic has a banner with the latest winners on the side of the page that shows the games.
Slot machines can also be found under the category “Classic”, which include titles considered classic slot machines. Some of the titles include “Royal Seven”, “Wild Elements” and “Hot Spin - Deluxe”.
It is more and more popular today for game suppliers to create games inspired by the popular culture. There are games such as “Mission Cash” or “John Hunter and the Aztec treasure” who are reminiscent of character that exist in today’s popular culture (in this case they remind us of James Bond and Indiana Jones). Other games are not just inspired by popular culture but are a part of the franchise such as “Game of Thrones – online slot” or “Jumanji – Video slot”. For players interested in these types of games Winner’s Magic will not be a disappointment as these games and many more are available.
Under the category “Casino games” players will be able to find a selection of top-rated table games with titles such as “Sapphire Roulette”, “Blackjack – Multihand VIP”, and “Baccarat”. This category also includes “Casino Patience” and “Football Studio”. The category includes close to 70 games and it is also under this category that players can find Live Casino games. The Live Casino Games transport the players from wherever in the world they are to a real casino with professional dealers and tables with plenty of other players. The Live Casino games are supplied by one of the most well-known Live Casino game suppliers on the market – Evolution Gaming. Evolution Gaming set themselves apart by not only offering top-quality games, but they also offer many of their games in different languages. Play Roulette in Finnish, German or Norwegian if you dare!
The final category of games available at Winner’s Magic is “Scratch Cards”. This category includes over 60 games. Some of the most popular titles include “Hit The Bank”, “Wizard of all”, “Bingo”, and “Scratch N’ Roll”. The games in this category are all a bit different but what they have in common is that some scratching is required to reveal a win.
We find it incredibly encouraging and exciting that a new casino such as Winner’s Magic offers their customer so many different options when it comes to games. We are also pleased to be able to inform our readers that this casino’s games are independently audited by iTech Labs to ensure that the results are random and fair, yet another point which we find to be very positive.
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Winners Magic Casino Depositing and Withdrawing

One of the most important points, when a customer is looking for a new casino, is what payment methods are available for depositing and withdrawing. The online casino must offer their customer methods which are both more local like (Zimpler) and international like Credit/Debit Card.
Winner’s Magic has taken this into account and therefore offer payment methods from the most well-known banking methods as well as some local banking methods. The minimum deposit is €10, and several currencies are accepted. For example, players can deposit Euros, Krona (Norwegian), as well as Canadian dollars and Pounds. The deposits almost exclusively take place instantly.
Once the wagering requirements have been met and the player is ready to withdraw their winnings, there are several methods which can be used. The most common thing is that the method used to deposit is used to withdraw, the only exception to this is when the deposit method is not available to withdraw then the player can choose to for example have the money transferred via Bank Transfer. There is a pending time of 24 hours on all withdrawals. The maximum withdrawal is €7.000/month and the minimum withdrawal for most methods is €10. The limit is in our opinion slightly low but understandable due to the newness of this online casino. There are no fees on withdrawal which is something we appreciate.
We believe that any casino that tries to make their banking methods as wide and accepting as possible have their customer’s best at heart, as can be seen by Winner’s Magic. Unfortunately, we do find that the withdrawal times are slightly slow as the fastest way to withdraw funds still requires three business days. This is not a problem limited to this casino but with most and is something we would love to see the industry change.
Another point which we find great about this online casino is that it implements a 128-bit SSL encryption key on all sensitive data. This means that whatever private information is sent by the customer to the casino is protected and safeguarded from unauthorized eyes. The casino also works hard to prevent fraud and therefore can demand additional verification of identity from the customer. In the case of Sweden, all customers must verify having reached the legal gambling age of 18. The customer will then have up to 30 days to verify their age if this is not done within the time limit the customer’s account will be shut down. In our opinion, any casino that goes the length to abide by the rules and regulations set up by different countries to safeguard the players, are good casinos.
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UK Labour opinions on UK policy ideas (immigration, unions, advertising, electoral reform etc)

I'm not sure if this is allowed here. I would call myself an environmental libertarian-ish. I am member of the Labour Party. I am a Marxist in that I use a materialistic interpretation of history and events. I have some ideas that I think would benefit the UK. Some of which are in line with Labour ideas. I would love to know what you guys think or what you think would be a better idea. Please criticize. I hope to have a dialogue about this as much as possible.
Drugs
Decriminalise all drugs (much like portugal) treat it as a mental health issue. A lot of people take drugs because of homelessness and poverty so by dealing with those hard drug use will go down. Legalise Cannabis, Mushrooms (and most hallucinegics), LSD, MDMA, Steroids and Cocaine (https://www.theguardian.com/commentisfree/2009/jun/13/bad-science-cocaine-study). Tax them inline with the estimated costs for misuse of them. Regulate them like tobacco and alcohol.
Obesity and Food
Ban the sale of energy drinks to children below 16. Ban the sale of very sweet confectionery and drinks to children below 16 (some Mexican states have done it recently), This includes in schools. Tax very fatty, sugary or nutritionally rare foods in line with what the estimated costs are for the NHS to deal with the health problems caused by them (much the same way we do with alcohol, tobacco and in my tax system other drugs). Possibly Ban the use of High Fructose Corn Syrup and Margarine in UK foods. Possibly make it mandatory to fortify very cheap foods with minerals and vitamins so the impoverished can get more nutrients. although the body doesn't absorb these very well so it might be pointless.
Plain Packaging and warning labels on Junk food like cigarettes. make the nutritional information for actual representative portions. If companies shrinkflate a product then they have to put it on the packaging of the product that they have done so. Ban the sale of Alcohol and Tobacco to pregnant women (not sure how you enforce this).
Make it illegal for a company/business to throw away food stuff and make them donate it to foodbanks/food charities (Like France)
Advertising/product placement/
Ban all adverts to children in any way. I think you could also make toys/mannequins sold in the UK have realistic proportions for both boys and girls. Ban junk food ads, alcohol ads, vaping ads, gambling ads, payday loan ads, ads for big SUV/highly polluting vehicles. Ban the sponsorship of events by any of these things either. Ban product placement, ban TV shows for kids that have toys explicitly linked to them. All ads that have photo shopped used need to a sign saying they've been photo shopped and very thin models have to have a medical certificate that they are healthy (like France).
Gambling/Games
Ban or reclassify Loot box systems in games. Make fixed odds betting machines have lower returns. Either tax very highly online gambling sites (spin wheel style), forced break periods or make it a state monolopy. Gambling is effectively a license to print money. Why shouldn't the state take the proceeds from what is a worthless noncontributing part of the economy. Either make the lottery state run and recieve all the profits for public work or ban it and replace it with a government bond deposit scheme like premium bonds but a lower threshold to enter.
NHS
repeal the Blair laws making the NHS act more a competitive business which have proved to ineffective. Make the English NHS system more in line with the Scottish system.
Tax or in some make people who do more dangerous activities pay a small amount extra for the increased likelihood of needing the services of the NHS like motorcyclists, horse riders, extreme sportspeople.
Ban the ever greening of drugs so they can be made cheaply and generically. If a pharma company has received funding to develop a drug then it must be sold at cost (or much lower profit). Somehow democratise the access to science and medical journals e.g. higher tax, made to be free if research was publicly funded, government run science journal).
Free speech
Repeal a lot of the Blair era censorship legislation. repeal with 2014 porn ban.
prostitution
Legalize brothels. but make prostitution licensed to stop sex trafficking. Mandate the wearing of a condom. Possibly make it that you can only be a prostitute if you hold a british passport to stop sex trafficking from abroad.
Trade Unions
repeal the anti-trade union legislation.
Electoral reform
I think a system like Single Transferrable Vote would be better than FPTP. I think that registered political parties should somehow get some minimum funding from the state to facilitate a healthy and varied democracy. Remove the hereditary peerages from the house of lords.
availability of credit
I don't think payment plans for normal consumer goods should be available. I think it should be harder to get a pay day loan than it currently is.
Fines
I think that fines for speeding, other fine-able offenses should be means tested and shouldn't have a cap.
Copyright
I think that Copyright should expire for everything after 50 years. So at the this point everything from before 1969 should be in the public domain. I think any British citizen creator who leaves the UK to not pay income tax should have the copyright for their work removed in the UK when they do leave.
Welfare
Introduce Universal basic income in the UK. Replace all the means tested and tedious bureaucracy associated with current system. I think it should start from 18 years old and increase slightly each year. Maybe start at 5,000 pounds and by your thirties move up to 10,000 pounds by the time you want to start having kids etc. I think UBI would make work always pay more than being on benefits. It would disincentive benefits fraud as well as people having children to acquire more benefits.
Tax
I do believe in a progressive taxation system. I think the tax free threshold should be raised. I think the brackets for taxation are good at the moment but I would add higher tax thresholds at higher rates e.g. 50% at 200,000, 60% at 500,000. I am unsure what the upper limit should be for tax rate or income. The rich will leave anyway (Jim ratcliffe most recenty) no matter what the tax rate is. If they ever wants to come into the UK they should have to pay to do so. If they have a knighthood it should be taken away.
Immigration.
Remove all EU citizens not in critical under supplied or high paying jobs from the UK as well migratory workers from outside the EU. Syrian Civil war refugees should go back as well, The war is over now. basically as many people as possible should be made to go back to their country of origin without directly endangering their lives. I think the pay threshold for workers to legally migrate here should be much higher probably 40,000 pounds a year. There should ideally be no net migration to the UK each year.
children and population growth
I think the UK should aim for net 0% population growth. I think couples who want to have kids should be made to screen for any hereditary recessive genetic diseases before they plan to have a child so they can know if they're kid is going to be disabled/Birthing complications. Possibly if a couple is high risk of a genetic diseased child people should have to have in the womb embryo testing as well to see if theyre child has any genetic diseases. I think people should be discouraged from having lots of children especially those without the means to provide for them. However if people do decide to have kids I think the provision for parenting should be a lot. 2+ years of paid maternity leave. Free parenting lessons, support as much as possible the needs of the child and mother in the critical early bonding years.
Ban all Child beauty pageants including trans ones (like France has done). I don't think children can legally consent to hormone replacement drugs. Ban Gay conversion therapy. I think the age of criminal responsibility should be raised should be raised to about 14. I think there are arguments to lower the age of consent in the UK to 15.
Euthanasia
Legalise child euthanasia (like belgium and the netherlands https://en.wikipedia.org/wiki/Groningen_Protocol). Legalise normal euthanasia for people of any age as well.
the environment
Library of things/Repair cafes in towns and cities to be able to more easily repairs good or not have to buy in the first place.
Ban or curtail the sale of bottled war. Install more water fountains and public bathrooms instead.
Government subsidy scheme to better insulate homes across country.
More extensive use of nuclear fission energy for electric generation.
Large scale food waste reclamation for Compost or animal feed.
Subsidy for Ground source heat pumps for poor households
Subsidy for Thermal exchangers in home for poor households
Make planned obselescene illegal. Make right to repair legally mandated.
simplify the amount and types of plastic products to make it easier to recycle goods. Ban non recyclable plastics from being used in single use items.
Ban paper junk mail and possibly free newspapers.
Make products label their expected lifetime (from average use) so consumer knows what a good long lasting product is. For large electric goods perhaps put a minimum expected lifespan for it to be sold in the UK.
I think you could legislate to make products illegal from rainforests or unsustainable harvested forest (palm oil specifically)
Tax loopholes
Make all gift-aid illegal, make art donations as tax write off illegal, donations to think tanks,charities illegal as tax write-offs,
Currently if you live outside the UK for more than 6 months you don't pay any income tax. I think the amount of income tax you pay should be proportionate for how long you spend in country with a bare minimum of 20% (estimate).
Make shell companies illegal so large multinationals can't escape to tax havens and not pay corporations tax. If they don't ban them from trading in the UK. This may need to be done in a coalition of states working together.
education
Repeal Blair era education legislation that created needless hoops and paper work for teachers. Repeal new laws that teachers can you sources from anti-capitalist, anti-democratic sources etc. Repeal the Gove/Cameron legislation that made schools behave like businesses. The point of school is for the kids to work hard and earn qualifications not the teacher. It is an inherently discriminatory system. allow at GCSE much more education in technical qualifications. e.g. bricklaying, carpentry, electricians, machine work, DJing etc . I don't think they need to start doing it at 16 or above. I think there's an argument that children should be able to leave school at 16. Some of the courses they do are pointless. Apprenticeship pay is so low that in the short term it makes more sense to get a minimum wage job. Atleast make apprenticeship pay in line with minimum wage to incentivise it rather than literally force kids to be extremely cheap labour like now.
self defense
I think it should be legal to carry around pepper spray, mace or stun gun especially for women. The criminals already have weapons. Why not decriminalise the ability for an individual to defend themselves especially women. Free female self defence classes.
BBC
Release all BBC created media onto the Iplayer. The British Tax payer paid for it. Why shouldn't they be able to access it. Perhaps make a BBC iplayer app to host it all for foreigners to use and pay for like Netflix.
business
Make corporations who sell goods in the UK prove that they don't come from slave/child labour. If they don't then they can't sell that product in the UK. Ban or reclassify Multi Level Marketting companies as Ponzi Schemes. Label Scientology as a cult (like Germany has). Regulate detox tea and supplements like any other medicine/pharmaceutical. One day a year allow any to search for a named person and see what their salary is (Norway does this).
Government
Ban former MPs from ever holding any business position once they retire. Make them divest all their business interests before being an MP. Make their spouses and children's company's to never receive state money or have a job in a state enterprise. Same goes for Generals/Civil Servants. Spread of Government facilities from London to other cities e.g. does any every ministry need to be in London? Pay HMRC accountants/auditors much more than they a company would so they tell the government the loopholes companies use to not pay tax. Make it Financially rewarding to be ethical.
VAT
Remove VAT for resold,recycled products, upcycled products, products that are good the planet (re-chargeable batteries, battery chargers). Effectively re brand VAT as a carbon tax. Completely remove VAT on sanitary products, all energy efficiency/saving products.
Voting
Like Australia make it mandatory to go to the polling booth.
University
make universities offer their humanities subjects as an online only option as well as in person so that people can do their degree from anywhere and not necessarily in the expensive university town. The course would be cheaper. Make foreign students pay for their healthcare when they are here. Give less money to unis with more beneficiary (e.g. red brick unis). They already have so many endowments they don't need as much from the state. Foreign students can't work at all while studying here.
Tourism
Make foreigners pay to get into British Museums especially the big ones in london. I realise this may be cost prohibitive for smaller Museums.
Housing
Change the rental legislation that tenants can legally not pay full rent if a landlord hasn't done repairs to the standard of the property when the renter moved in.
No foreigner can own more than 2 homes in the UK (in Thailand you can't own any property unless you're Thai)
Cap the number of a properties anyone can own. especially for buy to let landlords.
If a house has sat vacant for too long it has to be put on the market as a competitive price.
Rent control for a property inline with inflation for renters.
Houses cannot be treated as an investment where it doesn't matter if its occupied or not. A roof over ones head is a right.
Homelessness
Expand the access to homeless shelters. The best way to stop human and sex trafficking as well hard drug use to is stop homelessness.
migratory farm workers
Ban migratory farm workers in the UK. There are thousands of underemployed Uni, GCSE, college and A level students who have months off school in the picking season. Why not pay them to pick fruit and vegetables? Same thing goes for homeless people. Get them all to pick fruit and veg.
littering & dog tax
Small tax on having a dog to pay for dog park maintenance, dog bins, etc. Small tax on single use packaging to pay for more Bins on high street, bins to be emptied more regularly to reduce littering. Same small tax on tobacco for cigarette butt bins.
These are all my ideas. Please critique them.
submitted by MemeTimeRadioHour to LabourUK [link] [comments]

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