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Apple, il super stipendio di Angela Ahrendts: 73 milioni di dollari nel 2014, più di Tim Cook

Chi è il più pagato in Apple? La risposta non è Tim Cook, il CEO che nel 2011 ha sostituito Steve Jobs, e ha il nome di una donna. A incassare lo stipendio più alto, in quel di Cupertino, è infatti Angela Ahrendts, l’executive manager che supervisiona la vendita al dettaglio, la cui busta paga,…

Resistance Underway Against Bill to Ban Online Gambling

We believe that such clarifications are obvious steps to implement what has clearly been congressional intent for several years, and we strongly urge you to include such provisions in your bill,” they wrote.

“It is one of the only profitable industries online,” said Cabot.

“Go into any home with a computer, [online gambling] can reach every home in the nation,” said Guy Clark, chairman of the National Coalition Against Legalized Gambling, which supports Kyl’s efforts. Details on the bill were not available but prior attempts attempted to shut down electronic funds transfers for online gaming.

The letter, dated May 31 and signed by Reps. Bob Goodlatte, R-Va., who has introduced in the House a series of failed measures to stop Internet gambling, said in a statement to

Internet betting in particular has grown exceptionally fast, say industry analysts with more than 2,000 gambling Web sites estimated to be operating, compared to 26 Web sites when Kyl first introduced legislation that would ban them in 1995.

According to Lesnick, all forms of gambling in the United States, particularly in Las Vegas, have “seen an explosion in the last 20 years” from traditional bricks and mortar casinos to online betting.

In addition, companies have moved their entire operations off-shore to gaming-friendly places like Antigua, the United Kingdom or more than 45 other countries that now allow such gambling enterprises. They say that off-track betting, including Internet and simulcast wagers, are “the lifeblood of the industry” and are protected by the Interstate Horseracing Act, a point of contention with the Department of Justice.

Attorney Cabot said such a ban “might slow the industry down,” but “ultimately, they will not be successful” as payment processors will move offshore with the online gaming sites and serious betters will invest in offshore bank accounts to pay for their activities.

Arizona Republican Sen. They would be most affected by such a ban, say experts.

Goodlatte disagrees, saying that states that already outlaw offline gambling should be respected, and that the market does not trump these values.

The chance of Kyl succeeding has increased because Republicans now control both the Congress and the White House, said Tony Cabot, a Las Vegas attorney, whose clients include horseracing interests.

Experts say Kyl’s bills and other attempts to ban online gaming have largely failed because lawmakers are squeamish about restricting Internet activity, particularly e-commerce, and different gaming interests demanding exemptions or the ultimate defeat of the bills weighed too heavily against them.

“It allows [gamblers] to lose more money, faster,” said Whyte, adding that NCPG takes no official position on criminalizing gambling activities.

What’s more is the money made through this growth, an estimated $7.5 billion in 2004, compared with $4 billion four years ago, said Lesnick, who noted that the tide has not slowed as a result of prosecutions under federal anti-gaming laws and federal pressure on both major credit card companies to stop transacting bets and online media to stop accepting ads from gaming Web sites.

“This industry has shown a level of resilience that I’ve never seen before,” said Lesnick.

“The industry is so lucrative,” Lesnick said. transacted 2 billion wagers last year, Lesnick said.

But a spokesman in Kyl’s office said that the senator plans to introduce legislation this summer similar to previous bills he has offered prohibiting online betting. John Sweeney, R-N.Y., and Ben Chandler, D-Ky., urges Kyl to skip over horse racing.

“Seven times the United States tried to ban online betting and each time it failed,” said Marc Lesnick, an online gaming industry veteran who runs, an informational site for prospective online casino operators and founder of Alternative Solutions for Reliable Online Commerce.

Recent efforts to hobble the industry have centered around cutting off the ability of Americans to place online bets by trying to restrict credit card companies and other financial institutions from allowing transactions. government (to stop it) at this point would be too late.”

“I think we can all agree that it would be very bad public policy to allow offline activity deemed criminal by states to be freely committed online and to go unpunished simply because we are reluctant to apply our laws to the Internet,” he said.

While the Wire Act has been used to prosecute some online sports betting operations, including one high-profile case of a New York corporation running its bets on servers in the Caribbean island of Antigua, experts dispute its actual reach into online gaming.

The National Council on Problem Gambling reports no noticeable increase in its constituency since the advent of online gambling a decade ago, but the organization is aware that online gaming has increased in the severity of problem gambling, as Internet wagers are

so much more accessible, said NCPG executive director Keith Whyte.

“Anybody in the United States would be blind not to notice it,” he said.

“Every recent version of Internet gambling legislation has contained clarification that its enforcement mechanism does not apply to account wagers on horseracing conducted pursuant to the IHA. He said online and off-track betting has accounted for $3 billion a year in revenues and is credited with the only growth in the horseracing industry today.

“The negative consequences of online gambling can be as detrimental to the families and communities of addictive gamblers as if a bricks and mortar casino was built right next door,” Rep. While VISA and Master Card have voluntarily stayed out of the gambling business, online payment processors like Neteller have sprung up in their absence to make millions. Jon Kyl is planning to go yet another round in his decade-long fight against Internet gambling, but critics say the industry is far too lucrative and elusive to be corralled by Congress now.

Over the years, some congressional proposals have tried to extend the federal Wire Act, which prohibits betting from one state to another over phone lines connected to the Internet.. “Any attempt by the U.S. … “If you have a kid in the house, or a sibling or whomever, who has a problem with gambling, it makes quite a difference.”

Lesnick said much of the wealth is concentrated in about 200 “strong online casinos,” the top tier of which cater to today’s growing popular trends in gambling, including poker, which is experiencing a resurgence of sorts on college campuses across the country. That has made it harder for American law enforcement to shut them down.

Word of Kyl’s latest attempt has representatives from the different gaming interests — including horse racing, tribal casinos, poker and sports — girding for another fight.

But some Republican lawmakers said they believe they have a moral obligation to pursue the ban as online gaming provides minors with easy access and poses additional pitfalls for the approximately 7 million problem gamblers in the country today.

“There will always be people who are motivated to get around the prohibition,” he said.

The Congressional Horse Caucus recently sent a letter to the Arizona congressman’s office to argue against including Internet wagering on horse races in any future legislation

Personal Banker Job Description

Personal bankers, in simple terms, offer personal service to a selected number of clients with specific requirements with respect to banking. Instead, one just needs to have a high school diploma, along with prior experience in customer service and sales, so that it is easy for him to deal with a variety of clients. For these banking professionals, the list of career prospects involves various opportunities right from the birth of an individual, up till their retirement. All in all, the following is a list of duties that make up for an all-inclusive job description of people in this field. It is for those innocent consumers who, sometimes, are tongue-tied over why were they charged a certain amount for free service, or which is the best loan service they can opt for, that the job of a ‘personal banker’ holds utmost significance. States such as California and New Jersey pay more than $50,000 to personal bankers, whereas, Texas and Ohio pay a little less ($40,000 p.a.) in comparison to the others. Not to forget, he is fully knowledgeable about the various services and offerings the bank has to put forth, so that the client easily fetches solutions and answers for irrelevant charges and inexplicable faults that he experiences, time and again.

Pay Scale

Their average salary ranges well between $30,000 and $45,000 annually, to start with. Today, in order to minimize complications and introduce maximum assistance, banks all over the world offer the service of personal bankers for their users. The following content proffers information about their job profile, salary range in the field of personal banking, and job outlook for those looking forward to make a career in banking; personal banking, to be precise.

Job Profile/Nature of Work

A personal banker does a number of things. The cut-throat competition between banks spurs demand for financial analysts and personal bankers, thereby, offering a number of career opportunities to banking aspirants. However, it also depends on the city, and the bank one is working in. For all individuals interested in the field of personal banking, the information presented above must have given a nudge in the direction of banking. The more skilled a personal banker is, the more banking job opportunities he creates for himself.

Educational Requirements

In order to qualify as a personal banker, a banking aspirant need not require a proper college degree. Take a look:. However, in a world so complicated, customers often get irritated by the intricacies the world of banking holds, thus, wishing they had an individual to assist them on a personal basis. As for now, job prospects are good, and salary range is all but disappointing for aspirants.

Primary and secondary responsibilities

Supervisory duties

Responding to customer needs and concerns

Quoting rates and programs for loan customer requests

Performing occasional sales reporting

Opening deposit accounts

Taking loan applications

Environmental and physical activities

Supporting fellow associates

Career Prospects

The banking industry is prone to deregulation more than any other economic sector. Hence, this allows banks to incorporate as many financial and insurance services to their clients. The Bank of America itself states that a personal banker, on an average, mints good $39,000 on an annual basis. However, many banks do require training in federal banking regulations, for the banking aspirant to have an idea of the kind of work he or she is going to deal with. At last, it’s totally your call to make the most of the never-ending career opportunities that the world of banking has to put forth.

Mergers, acquisitions, and unifications have taken up on more and more automated services, thereby, making it all the more difficult for a consumer to seek personal service with reference to banking. Bank of America considers these duties a must-have for every applicant who dreams of a successful banking career. To start with, he advises his client to invest in options that make up for the most lucrative bets. However, it would prove to be beneficial for the client only if the personal banker is well-versed with the money market rates, with zero flaws in the money market accounts. The personal banker is cognizant of the types of loans and mortgage alternatives that are available at the cheapest expense, and have full information on the current market trends. It is their duty to train the newbies in account representation along with other members of the branch, in order to effectively build up a team of skilled bankers. Lastly, he should be well-versed with all the banking bits and nuances, with the ability to deal with multiple clients at the same time.

With proficiency in areas of a teller, a safe deposit, vault, processing lines of credit, discoursing credit applications, the resume of personal bankers is incomplete without the mention of effective leadership, training and support. Banks may have introduced services such as twenty-four-seven toll-free calling, online banking, ATMs, et al, for their consumers to seek assistance

Online Gambling: The Multi-Billion Dollar Addiction

Internet gambling attracts players for many different reasons. Unlike alcohol and drug addiction, the signs of internet gambling addiction are less visible. Online gambling comes in many forms ranging from betting on sports to casino-style gaming sites that offer live nationwide tournaments. Overall, 15 million people nationwide are affected by some type of gambling problem and a great deal of these problems include online gambling addictions. There is nothing wrong with wanting more but there is a problem when wanting more costs you everything that you now have.

Online gambling addiction has been on the rise for over ten years now. The internet gambling addiction slowly begins to control the world in which one lives, compulsive gamblers typically end up spending every last dime they have, pawning off personal valuables, maxing out credit cards and taking out loans, all in the hopes of making back what they have lost, waiting for that one big win. Instead of a change that brings hope, wealth, and happiness it is a change that brings, despair, desperation, and depression after realizing the situation they have gotten themselves into by forming an online gambling addiction.

Online gambling addition affects people of all races, gender, and age. The mere fact that internet gambling is simply at the touch of ones fingertips is enough to draw in billions of players across the world, many of who will form online gambling addictions. It is currently estimated that over 2,000 sites offer some type of online gambling. Internet gambling offers flexibility, immediate access, 24-hour gaming, and real life interaction with other players- not to mention the possibility of striking it rich! Unfortunately, the probability of winning a decent amount of money is very slim. Many who suffer from compulsive online gambling addiction will not admit they even have a problem, some don’t even acknowledge that a problem exists making it harder to get them to accept gambling addiction help or treatment for their online gambling problems. Few online gambling addicts will ask for help or seek gambling addiction treatment. According to H2 Gambling Capital, 2008 brought in an astounding nationwide revenue of $21.0 billon. This goes to show that those who have less tend to want more and will often do anything they can to get it, this is the type of mentality that may lead to online gambling addiction. Many steps can be taken to get a gamblers life back on track, they don’t have to lose it all before they realize the destructive path that they are on. If you feel that you or someone you love may have a severe problem seek gambling addiction help immediately before things get further out of hand. In fact one in every five pathological gamblers attempts suicide. However, the Gambling Commission states that most problem gamblers tend to be males between the age of 18 to 44. The questions below, provided by Gamblers Anonymous, could help you to decide if someone you care about may have an online gambling addiction.

Underage Teens and Online Gambling: The New Generation of Addiction

1) Did you ever lose time from work or school due to gambling?

2) Has gambling ever made your home life unhappy?

3) Did gambling affect your reputation?

4) Have you ever felt remorse after gambling?

5) Did you ever gamble to get money with which to pay debts or otherwise solve financial difficulties?

6) Did gambling cause a decrease in your ambition or efficiency?

7) After losing did you feel you must return as soon as possible and win back your losses?

8) After a win did you have a strong urge to return and win more?

9) Did you often gamble until your last dollar was gone?

10) Did you ever borrow to finance your gambling?

11) Have you ever sold anything to finance gambling?

12) Were you reluctant to use “gambling money” for normal expenditures?

13) Did gambling make you careless of the welfare of yourself or your family?

14) Did you ever gamble longer than you had planned?

15) Have you ever gambled to escape worry, trouble, boredom or loneliness?

16) Have you ever committed, or considered committing, an illegal act to finance gambling?

17) Did gambling cause you to have difficulty in sleeping?

18) Do arguments, disappointments or frustrations create within you an urge to gamble?

19) Did you ever have an urge to celebrate any good fortune by a few hours of gambling? 20) Have you ever considered self destruction or suicide as a result of your gambling?

Most compulsive gamblers will answer yes to at least seven of these questions.

In today’s economy many people are looking to make money any way that they can, the economy is down but internet gambling is up, why? Because people want the money, they want the win, they want to make their lives better and they end up getting caught up in a concept, reaching for the often unattainable dream and losing all sight of reality. However, internet gambling addiction is only a part of a growing nationwide problem. The NCPG can also suggest where to get gambling addiction treatment. Most have good intent, seeking a better way of life but the online gambling addiction soon takes over and it is difficult to escape.

Many times compulsive gambling addiction can lead to thoughts of suicide. It has been shown that those who make less than 10,000 a year are more likely to become compulsive gamblers than those who make over 50,000 a year. These questions are provided to help the individual decide if he or she is a compulsive gambler and wants to stop gambling.

Online gambling made it’s debut in August 1995 and has now become the fastest growing industry on the internet today, which is likely why online gambling addiction is growing so rapidly. A great place to start is by contacting the National Council on Problem Gambling at 1-800-522-4700 they can provide you with the gambling addiction information that you will need. Furthermore, an additional 4-6 million Americans are considered problem gamblers. It is estimated by the National Council on Problem Gambling that 2 million Americans alone suffer from severe gambling addiction, aka pathological gambling. A simple intervention by a loved one is sometimes all that it takes to make them see the extent of their online gambling addiction and in turn accept the help that is being offered to them.

Online Gambling

Gamblers Anonymous offers the following questions to anyone who may have a gambling problem. It is hard to gauge how many of these gambling problems are based on internet gambling addiction alone. However, it is still an increasing problem regardless of where the gambling is occurring.

Other online gambling addiction related articles you may be interested in:

Online Gambling: The Multi-Billion Dollar Addiction

An online gambling addition can affect not only the lives of the ones gambling but the lives of those they love. Many online gambling addicts spend money that their families rely on to live and function, they may begin stealing and keeping secrets from those who mean the most to them. Gambling addiction occurs in many forms. It is the online gambling sites that come out on top, no matter what! E-casinos and other internet gambling sites will never lose! It is those on the other end however, those who may form online gambling addictions, that consistently battle with the eternal want for that big win.

. Even worse, fear sadly takes over and they gamble even more, hoping to at least break even. The reality is that “the win”, the one that going to change their lives forever, often does just that but not in the way it was planned

All about Online Casino Gaming


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Online casino gaming is a thriving industry. Online gaming has become an addiction for numerous people. On the internet you can find a wide array of casino games. You can play online casino games right from the comfortable zone of your home. The casino gaming lovers can enjoy to the hilt by playing online casino games in the online casinos. Plethora of online casinos can be found on the internet.

In order to play online casino games it is advisable to install advanced and powerful anti-virus and anti-spyware programs. It is also recommended to opt for those online gaming websites that are licensed and legal. Moreover the reliable casino safeguards and secures your personal information completely without sharing with the third party. In order to spend your money wisely it is important to do a thorough research and choose the right casino website. Ensure that the chosen website offers a variety of casino games. Make sure that the casino offers good customer service. Also ensure the mode of payment of the online casino website that you opt for. It is imperative to read the terms and conditions of the online casino site.

Casino gaming includes all sorts of games like poker, baccarat, craps, roulette, backgammon, blackjack, etc. For different casino games different software are offered by the several online casinos. If you are a novice player in the field of casino gaming then in that case you can practice free online casino games. Moreover before playing online for money it is beneficial especially for the new players to practice free online casino games. By playing free casino games you can come to know about different gambling methods, you become familiar with odds, learn the effective strategies and acquire the skills that are required to win. Moreover your gaming ability also improves with the help of free online casino gambling.

Different casino games have their own rules and regulations. You can play online casino slot games and can win as much money from the comfort of your own home. You can choose the game of your choice that you want to play and then get started by playing it online. In case you want to download the casino game it is imperative to update your antivirus and anti-spyware software so as to avoid any kind of inconvenience.

Several online casinos offer attractive bonuses and promotions. Some casinos offer bonus to the player when they sign-up for the first time. The online casino games have better odds and there are more chances to win as compared to the land based casinos. Moreover with the help of online casino you can play at your own convenience and that too at anytime.

If you are in search of casino gaming websites then you can take the help of casino portals. Several well known online casinos make use of leading software that ensures they are trust worthy and reliable. A reliable online casino keeps your personal information safe and secure. Therefore it is recommended to do a thorough research regarding the best online casino website. Thus you can have the same fun, thrills and enjoyment in the online casino as offered in the real casino.