Want to Save Some Money? Play Some Free Browser Games!

With many console games costing hundreds of dollars and game titles usually starting out at 40-80 dollars, a good alternative is to play any of the thousands of free online games. You can forgo the need to purchase a brand new HDTV and the latest audio equipment and simply use any modern computer with internet access to entertain yourself for hours.

Finding Good Quality Games

Often the best way to find the most entertaining games is word of mouth and often Google searches yield excellent search results. I find the best quality games are often found on games portals as they pre-screen their games for variety, quality and hold them to high standards.

Another option is bloggers that are often quite passionate about the newest and most entertaining games available so they are often a very useful resource when searching for new games to try out. There are thousands of these blogs available that are updated daily so I would recommend searching out one that appeals to you.

Game Portals

Online game portals have achieved broad success as a result of increased broadband connections among consumers but even dial-up modems are able to play many of these games due to the small file size of them. The increase of internet access speed also means that game developers are able to create higher quality games with better graphics and game play. Fans of all genre, type and flavor of game will be able to quickly find some entertaining ways to spend their time.

An example of an immensely popular browser-based game portal would be Miniclip which has upwards of 43 million unique visitors on their website per month. These larger portals often feature localization in multiple languages such as English, Korean, Italian, Chinese, Spanish, Polish, Portuguese and French.

Other very large and successful Game Portal sites would include Yahoo Games, Kongregate, Newgrounds and Armor Games. Millions of users every month visit these websites playing a variety of games ranging from chess to zombie games.

Variety is one of the most compelling features of these free portals so you will often find categories such as Action, Adventure, Girls, MMO, Racing and Multiplayer games. As well you can find entire game portals devoted solely to one type of category such as Racing Games or Dressup games for example.

Game Formats

The most popular format used for these games would be Adobe Flash Player. This format has become very well distributed across the desktop market resulting in market dominance. Adobe makes the claim that 98% of US web users have their software player installed. Also one of the best aspects of Flash is it is not specific to PC or Mac, but usable by both types of personal computer.

Other types of formats online browser games can include Html, Java, Shockwave, Unity and the newer Microsoft Silverlight format. Most new computers do not come pre-installed with the above game players so when you attempt to play a game without the appropriate software, it will often auto install the software for you.

Popularity

Numerous studies from research groups such as Deloitte & Touche have released reports detailing the surging popularity of online games. A five fold growth prediction was touted recently in one of their white papers. Developing nations such as China, India and Latin America are poised to introduce millions more of gamers which will drive the demand for even more games and games portals.

Summary

Browser games only require an internet connection and a web browser so why not give them a try, its one of the fastest growing game markets. They are fun, unique, often innovative and the best part they are all available at no cost at all.

Online Gambling Versus Traditional Gambling

There are many different forms of gambling from betting at the horse races or for your favourite sports teams or trying your chance at a casino game. And with today’s age of the computer you can gamble online at any of the many online sporting or casino websites. So how does online gambling compare to traditional gambling.

For starters, online gambling can be done in the comfort of your own home providing you have a computer with an active internet connection and use of a credit or debit card. And so there is little or no travel involved. Traditional gambling requires travel to the gambling site. And many people have enjoyed a gambling opportunity at Las Vegas or Atlantic City or just at their local casino or race track.

Secondly, you have to join up with the gambling website you are interested which means filling in a form and is usually free. You do not have to join or fill in any of your details with traditional gambling.

Thirdly, you can concentrate completely on your online game because there are no noisy people, no cigarette smoke and no drunken people which could annoy you. You have the peace and quiet of your own home if you desire. However with traditional gambling you are around like minded people doing the same thing and this creates atmosphere. It is a chance to get out and socialise with friends and have an enjoyable outing.

Fourthly, as each online website is competing against each other then they offer bonuses in order to entice people to join their website. And the bonuses can be large depending on the amount of money you bid eg large amounts of money or free holiday somewhere.
Do you get bonuses at traditional gambling locations? No

Fifthly, with online gambling websites, you are not obliged to tip employees. In real casinos for example, you will be obliged to tip waiters, dealers and other employees for a better service. This however could vary between different countries.

Sixthly, the online casino gambling experience may even surpass the physical casino experience as they have very strict rules and regulations.

Lastly, on online gambling websites your money is safe in the account you set up as they have high security. This is as long as you have taken your own safety precautions with antispyware and antivirus protection installed on your computer and that you have joined a licensed and regulated online gambling website. With traditional gambling you could run the risk of your money being stolen, so you just need to look after your money carefully.

These are the seven points comparing online gambling with traditional gambling. They each have a place depending on whether you want to go out for the night with friends or gamble quietly in your own home for as little or long as you like.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.