For fans and players of all sorts of gacha games. All players welcome, all games welcome. Be excellent and respectful to each other.

Note: I was technically supposed to post this earlier this week, but noticed that no one was signed up for today (plus I was super busy earlier), so I'm posting a bit late, under a throwaway account! Fair warning: I'm VERY verbose, so this will be long!
Section One: Assets and Debt
As I mentioned above, I make $56k per year as an administrator in higher education. My husband (K) just got a raise to making $155k per year. He works as a lawyer, has been in the workforce for about 12 years. I won't get into too many details but he works for a small boutique firm, not Biglaw. He also sometimes gets a yearly bonus of around $10k-20k but it's not guaranteed or anything like that. K and I have totally combined finances, so the below numbers are for both of us. I have a humanities PhD but I decided to leave academia and find an alt-ac job. My current position has good work-life balance (I never work past 5 pm), but pays terribly and my university is very badly run. I'm hoping to leave higher education all together in the future and am currently enrolled in a certificate program to try to make a career transition to instructional design.
The big elephant in the room is that my husband, K, makes a lot more money than me. When we first met, he was paying off massive amounts of student loans and making much less, and I was debt free with a lot of savings, so we both spent about the same amount. Now he makes 3x what I make and we are both debt-free, so the difference is much more noticeable. We do argue about money sometimes (more in the past), but the reality is that I have a humanities PhD and will likely never out earn him, and he knew that when I married him, lol. Because of all the labor I do around the house and in our lives to support him as he works a much more intense job, I was very clear that I believed we should split our finances equally as soon as we got married. We don't have separate accounts and we generally check in with one another whenever we are planning to spend more than $100. This system works for us for now.
I also want to address the question about parental or family support. Although I technically paid all of my own bills since I got my Bachelor's degree, my parents supported me a lot by paying for my flights home to visit at Christmas or in the summer as Xmas presents/birthday presents. My parents also paid for my undergraduate degree (and K's parents paid for his undergraduate degree as well). They also gave us about $15k to pay for our wedding.
Finally, my parents recently gave me $20k as an "early inheritance." They told me they plan to do this every year (depending on the stock market). We put this money into a brokerage. I don't consider my parents rich, as they both worked hourly jobs in health care my entire life (as a nurse and respiratory therapist - both with only associate's degrees). We never owned a new car, when we went on vacation we stayed in hostels , and shopped almost exclusively at Goodwill. But they scrimped and saved and now they have over $1 million in a retirement account. So I want to acknowledge my financial privilege in that I came from this kind of background. K's parents are similar.
Retirement Balance: $186k (combination of 401k, 403b, 457, 2 Roth IRAs, and taxable brokerage account).
Equity: None, we rent.
Savings account balance: Approximately $45k.
Checking account balance: Right now, around 8k.
Credit card debt: Right now, around $3k. But we pay it off each month with our checking account balance.
Student loan debt: $0. We finally paid off my husband’s law school loans (around $130k), last year. I didn’t have any student loans from undergrad (parents paid) and my MA & PhD were fully funded.
Section Two: Income
Income Progression: I’ve been working in my current field for 3 years. I started off making about $53k and got tiny 2% “merit increases” twice. Then in July my payroll title was changed, which triggered a required raise of about $2k. (I am dramatically underpaid).
Before my current position, I was in academia. I worked as a visiting assistant professor for one year at my alma mater (made $50k for 9 months of work) and before that I was a graduate student for 7 years. I was paid $18k-21k in stipends each year and my tuition & benefits were covered. Luckily, I lived in a very low cost of living area and this was enough for me to live on without going into debt. I got my PhD in 2017. Before I was a graduate student, I taught English in Japan for three years and made around $36k per year. In high school and college, I had random jobs that provided grocery/spending money, but I was lucky enough to have parents that paid my tuition and my rent in college.
I’m currently trying to make a career change (as you will see in my diary) and enrolled in a certificate program which runs from Autumn 2020 to Spring 2021 in order to help with that.
Main Job Monthly Take Home: $7,634. This probably seems low relative to our joint income, but we max out our 401k (K) and 403b (me). I work for the state government, which means I’m also eligible for something called a Deferred Compensation Plan (457b). This is basically the same as a 401k but you can withdraw contributions and gains from the account at any age without penalty (of course, you still have to pay taxes). I also max this out, and the limit is the same as a 401k/403b - $19.5k. Also this number is before K’s raise is accounted for. It won’t increase until his end of February paycheck.
Other deductions - I have health insurance taken out (about $80 a month for me, K’s firm covers his premiums) and taxes. WA has no state taxes, so it’s only federal taxes. I used to have to pay $50 / month for a bus pass (K's was free), but I don’t pay any longer because I’m working from home during COVID.
Final note - the sum I mentioned in the headline includes a variable bonus my husband gets. My base pay is $56k and his is $155k (as of February 1). This year he also got a bonus of $20k, which is set up a bit strangely. About $4k of this was structured as a 3% matching contribution to his 401k and the rest was taxable income. In small law firms, it’s unusual to get any 401k match so this was nice.
Side Gig Monthly Take Home: None.
Any Other Monthly Income Here: We get some interest from our savings account… like $25 a month.
Section Three: Expenses
Rent: Rent comes to approximately $2,050 total for a one-bedroom apartment. Rent itself is $1886, then we have pet rent ($25 per month), bicycle parking ($15 a month) and water / sewage / gas, which is usually $120-150 (variable cost).
Renters insurance: $157.76, paid annually. $13 a month.
Retirement contribution: In addition to the 401k, 403b, and 457, which all come out before taxes, we max out our Roth IRAs. That means $500 each per month per person (for a yearly total of $6k each). As I noted up top, we match out our 401k and 403b (19,500 each) and our 457. My employee also offers a 7.5% match. K's employee offers a 3% match but it is included in his yearly bonus so it's not guaranteed (confusing).
Savings contribution: We put $500 per month into our emergency fund. We also put about $860 a month into our “sinking fund,” which covers large and small annual or sporadic purchases such as vacations, gifts, Amazon Prime renewal, car insurance and renters insurance, etc.
Investment contribution: $875 per month into a taxable brokerage at Vanguard.
In total, we save about 47% of our gross income. We can do this because we keep our housing cost low relative to our high income, we don’t have any debt remaining, we don’t have any kids or parents who need financial support, and we’re very privileged in a lot of ways. We are hoping to FIRE within 10 years.
Debt payments: None.
Donations: We budget $100 per month for donations, which includes one-time donations as well as some reoccurring donations. My husband does pro bono work as well. I would like to increase this by quite a bit, but I still have a hard time budgeting for donations because I spent 7 years living on approximately $20k a year. To go from that to making more than 10x that amount within 3-4 years is obviously something that I am very privileged for, but it is still hard for me emotionally to comprehend at times.
Electric: ~$50-100 (billed every other month)
Wifi/Cable/Landline: An extortionate $87.12 for slow internet that only works for Zoom calls about half the time. Do I really live in one of the tech cities of the future?
Cellphone: $170 (This includes both service and paying off two new iPhones. We could have paid them off up front, but it was actually cheaper by like $50 to go on a payment plan.)
Subscriptions: BritBox ($7.70), Spotify ($16.50), HBOMax ($16.50), We Hate Movies Patreon (my favorite podcast - $8.81). My parents pay for Netflix and my sister pays for Hulu, and we all share.
Gym membership: None. K and I both run and do yoga with YouTube videos. Before the pandemic, we went to yoga classes pretty frequently in person. I’d like to do some online synchronous yoga classes but find it hard to make time.
Pet expenses: Varies, but I budget $50 per month and also include an emergency fund for my cat’s vet bills in our sinking fund. She’s 11 years old and probably asthmatic, so I know her vet bills are going to increase over time.
Car payment / insurance: We own our car outright. Insurance billed yearly is $2,097, about $174 per month.
Regular therapy: $0
Paid hobbies: Nothing regular, sporadic language classes and art supplies.
Other expenses: Right now I’m doing a certificate to hopefully help with a career change. The total cost for tuition is about $5k and we already saved it up (included in our 'sinking fund') basically through spending less during the pandemic. I’ve paid two quarters so far, and the last quarter (due in March) will be a bit more - about $2.3k.
__________
Day 1
Morning: I wake up at 5:30 am. Ever since the pandemic, my sleep schedule has been shot. At first, I was so happy not to have to leave the house at 7:15 for my 45 minute bus commute and I slept in a lot. But the stress (and maybe getting old?) has made me an early riser, no matter how much I try to sleep in. I do value my early mornings with just me, my cat, and my coffee, though.
I start work at 8 am and begin by triaging my emails. I have a bunch of deadlines this week, so it’s busier than usual. My job tends to be very seasonal, and sometimes I have a ton of work and sometimes I have none and can work on other longer-term projects. I have a piece of toast for breakfast and place a Whole Foods delivery order for the following day at 10:30 am. We made a meal plan and put everything in the cart the day before ($117.36, including tip).
Afternoon: I have my lunch break from noon to 1 pm. It doesn’t really matter when I take my lunch break, since I’m salaried, but the others in my office are hourly so in the before times we used to always close our office during the same time. I have a piece of leftover delivery pizza and some spinach risotto that I made a few days earlier. I also have half a brownie – the last one from a batch I made a few days ago (K gets the other half). He also has leftovers for lunch.
I should say at this point that both K and I are lucky enough to have been working almost entirely from home since early March. An area near Seattle was one of the first places to get hit by COVID-19, and my state and both of our employers have been taking it very seriously ever since. Working from home hasn’t always been easy since we live in a 600-square foot apartment. Also, there is a three-story townhouse being built directly next door to us and I can hear the pounding in my dreams at this point.
Around 2 pm, I go for a 2-mile run. I feel like some money diarists tend to toss off things like “oh, I went for an easy 7 mile run,” at the drop of a hat, so I want to be clear – running for 2 miles isn’t easy for me; it’s exhausting, annoying, sweaty, and generally gross. Also I am very slow. But it has kept me sane during quarantine.
Meanwhile, my husband goes to our local pet store to get an enzymatic cleaner (our cat peed in one of our suitcases… I think it’s probably a lost cause, but it was basically brand new, so worth a try) and special weight-loss cat food. Our cat is an 11-year-old rescue from the Humane Society and she is a chonky girl. We had to sign a waiver when we adopted her, saying that we understood that she was very overweight, lol. Our vet recommended a special diet food, rather than just restricting her intake as we have been doing, so we will give it a try ($78). My husband also stops buy our local wine store and picks up two bottles. We’ve been doing a dry January, so this will be our first drink for a while ($27.53).
I have a phone interview scheduled for 4 pm – just a preliminary interview with an internal recruiter. It’s the first ‘corporate’ job interview I’ve ever had, since I’ve been in academia my entire life. I’m trying to make a pivot into instructional design / training and development. I’m just excited to get an interview. It seems to go pretty well, but who knows. They tell me they will probably get back to me by the end of this week.
Evening: My husband whips up a random meal of fridge remnants – pesto pasta with sausage and a fridge salad with feta and bell peppers. It’s pretty tasty with a little Sauvignon Blanc. During dinner, we play a card game we call gin rummy, although it bears no resemblance to the actual game. After dinner, I make a chocolate cake with orange buttercream frosting and we watch Cobra Kai.
Daily total: $222.89
Day 2
Morning: Up early again, a piece of toast for breakfast (very exciting). We’re out of eggs until our Whole Foods order arrives. I’m working on creating some tedious but necessary spreadsheets this morning.
Noon: Our Whole Foods order arrives around noon. Excitement! They’ve given us a half-rotten bag of romaine lettuce and substituted pecans for hazelnuts. I should probably just double mask and go to Trader Joe’s myself (our regular spot, only a 5-minute walk from my apartment). I’m just getting anxious about these new variants.
I have leftover meatloaf and spinach risotto again for lunch. Lots of meetings and more organizing spreadsheets in the afternoon. Around 3 pm, I go for my daily ritual - a 20-minute walk around my neighborhood. It’s still raining slightly but I need to get out. Halfway through the walk, I get an email from my apartment manager telling me the apartment will no longer accept debit card payments, direct deposit, or credit card payments for paying rent. In other words, only checks or money orders (?!). Ugh. Our lease is up in 4 months and we will not be renewing our lease. Our last apartment manager was a gambling addict who may have been stealing people’s identities, but by God, he kept things working. Ever since they fired him, this place has been going downhill.
Evening: I check my bank statements to update my budget spreadsheet and realize that I have been billed the wrong amount of rent. They actually charged me less than they should have. I don’t trust my apartment manager not to start charging me a late fee or something for this, so I call them up. They are baffled by how to fix this, which you would think would be the one thing you would want to get right, if you’re renting out apartments.
K cooks dinner – steak with a Roquefort sauce and glazed brussels sprouts. It’s from a French cookbook we recently bought and it is delicious. I work on classwork for my certificate program while he cooks. After dinner, I do the dishes and buy the 13th season of RuPaul’s Drag Race. I watch the first episode – lots of shocking twists and turns! I’m planning to watch the rest of the episodes together with my younger sister, M ($22.01).
Daily total: $22.01
Day 3
Morning: K has an 8 am dentist appointment, so he takes off early. He already paid for the work last month, so there’s no charge. I have a piece of toast for breakfast and get to work checking my emails. It’s 8:20 am and the construction crew building a townhouse next door is blasting mariachi music. I’m glad someone is having fun. At least the sun is coming out.
Someone at work has made a critical error, but it wasn’t me, thank God. I was the one who found out about it, but it’s still going to cause a big old headache for me. I’m ready to be done with this job. K and I go for a run so that I can exhaust myself enough to no longer be furious about said careless error.
Noon: I have leftover spinach risotto and meatloaf again – exciting. I’m busy at work but frankly, not a lot going on other than that. Still no word about fixing my rent payments. I’m not really willing to pursue this any further at this point.
Evening: I start making chili (Turkey Chili from the NY Times) and cornbread (from my new cookbook, Jubilee). K is doing some work on our investments when he announces that, somehow, a transfer was scheduled from our checking account to our savings account of $55k (?!) We obviously don’t have $55k in our checking account, so we start frantically trying to figure out what’s going on. Numerous phone calls later, we still don’t know if that was a hack, if my husband somehow mistakenly scheduled the transfer himself, or if the bank messed it up. Either way, it doesn’t seem like any harm was done since the bank with our checking account just declined the transaction. But it seems really strange and worrisome. We get to work changing the passwords on all of our accounts, just in case it was some kind of hack.
After dinner (and chocolate cake), I have a Zoom happy hour with a local friend. We occasionally see each other outside but it’s nice to have a longer chat from the comfort of our living rooms. We both love murder mysteries, so we signed up for a service where a company sends us letters with clues and we try to solve the mystery together. It’s a fun way to stay connected and look forward to something during the pandemic. The service costs about $15 per month, but I paid for it in lump sum for 3 months, so it’s not included in my budget above. I drink some wine and we vent about work (we work at the same place) before getting started on the puzzle.
Daily total: $0
Day 4
Morning: I sleep in a bit, which is nice. Get up around 7 am. My parents are both getting their 2nd vaccine today – they’re both in their 70s and I am so relieved. I send my mom a “congratulations on being vaccinated!” text and we chat for a bit. I have leftover cornbread with honey and butter for breakfast – soooo good.
Work is not particularly exciting today, but someone sends me a last-minute request for something that does not need to be so urgent. I feel annoyed. Still no word from the interviewers on Monday, and I’m beginning to suspect I wasn’t selected to move forward. Too bad. K pays for a Wordpress website for the year (it’s a work-related website, but sadly his work doesn’t reimburse him). It costs $92.48.
Noon: The mariachi music is particularly loud today. I stand out on my balcony in the sun for a while and watch the workers. It’s been interesting seeing a house go up next door in real time, especially since I’m at home all the time. The workers are balancing on the top of the third story wall without, as far as I can see, anything like a safety line. It seems unsafe, but I presume they know what they’re doing.
We booked a cabin for the upcoming weekend in the Hood Canal region of Washington to do some hiking and birdwatching. I want to be as safe as possible and not go to any grocery stores or risk spreading COVID in any way while I’m there, so I place another grocery order with Whole Foods just for some special treats for the weekend. The cabin has a small kitchen and a grill, so we’re planning to make a fancy steak salad on Saturday. I order chips and hummus, some fancy cheese and meats, Tate’s cookies (I’ve heard a lot of good things about these), a baguette, and the ingredients for the steak salad. I also order a few staples I forgot in our last order, like sweet potatoes, more coffee, and half and half. It comes to $87.41, including tip, but that does include like $30 worth of steak. For some reason, I can’t order a small amount of steak online, so I’m planning to freeze half of it for later. (I include this purchase in our vacation fund budget, rather than under our regular grocery budget).
Around 2 pm, K makes a quick trip to our local wine store to buy an Oregon pinot noir and some port to enjoy at the cabin ($59.45). This store has an outdoor walk-up counter where you can tell the owner what you’re looking for, and he brings you some options (the store is way too small to allow customers to enter during Covid). It’s fun to chat with another human being, even briefly.
Evening: After work, we spend a little time rebalancing our investing and retirement accounts. We decide to put more money into bonds and a little bit into REIT’s as a hedge against a potential crash or recession in the future. Then I start making dinner – Broken Eggs (Huevas Rotas) from the NY Times cooking site. You basically cook the potatoes in a skillet in water, spices, and olive oil, and then sauté them to crisp them up once the water evaporates. Then you add onion, lots of garlic, and finally some eggs. It is delicious. I eat it with leftover cornbread while watching RuPaul’s Drag Race season 13 with my sister – we watch the first two episodes. It’s full of twists and turns. A note about this – we have an elaborate procedure for watching shows together developed during quarantine whereby we start the show at the same with an earbud in one ear, while FaceTiming. I also have chocolate cake, of course.
Later, I get an email that I’ve signed up for HBO on Amazon Prime. I definitely have not. I text my mom, who shares my account, and she tells me she signed up by mistake. I cancel right away and luckily they won’t charge us for it.
Meanwhile, K is doing an online Japanese language class over Zoom. He’s been interested in learning ever since we went to Japan last January. I lived in Japan for 3 years so I was able to take us around to a lot of more obscure places and he really enjoyed the trip – it was a blast.
K starts a YouTube yoga class (from Do Yoga With Me – my favorite channel) and I join him for part of it before bed around 10 pm.
Daily total: $239.34
Day 5
Morning: I get up around 7 am and we go for a run first thing. I prefer running early in the morning because there are fewer people to avoid during COVID. We do a different route today – it’s longer (3 miles) but has fewer hills. It’s a slog, as always, but I feel good when I get back right around 8 am. I jump straight onto my computer to start checking work emails and my husband makes us avocado and egg toast for breakfast - it is absolutely delicious.
We talk about how our bathroom smells distinctly mildewy (yay for being a grown-up because I guess this is what we talk about now) and we buy two big buckets of DampRid on Amazon ($26.60). I’ve found this to be a necessity in Seattle. Mid-morning, I take a break from work and start packing for our trip to the cabin.
Noon: I have leftover potatoes and cornbread for lunch, and my husband has the leftover chili. We finish getting ready to leave and head out right after lunch, taking a half day. The only problem is that I have attend a meeting at 3:30 pm, so we head out hoping to get there in time. Our cabin is near Quilcene in the Hood Canal region of Washington, about a 2 hour drive or a 2 hour ferry ride + drive. We are initially planning to take the ferry both ways, but realize that we mistimed the ferry departure, so we drive the whole way instead. Luckily, there’s little traffic mid-day, and we arrive at our Airbnb around 3:00 pm.
The Airbnb is beautiful! It’s a small cabin handmade by the owner, whose house is next door. It’s very rural, with a beautiful view. It’s tiny, but has a little kitchen and a waterfall-style shower with river rocks on the floor. It’s a great place to get away for a short time. Luckily, it also has good reception and I’m able to sit in on my meeting with no problems. My husband also does a little work, and then at 5 pm we’re free!
In our planning, we decided to get takeout on Friday night, since the little kitchen isn’t designed for any serious cooking. We call ahead to a local restaurant to order burgers (one of only 2 restaurants in the whole town). It’s around 5:30 pm and the place is deserted. It’s a microbrewery, but they tell us they haven’t been making beer since COVID-19 hit. None of the workers are wearing masks when I walk in, but they put them on when they see I’m wearing one. I pick up our order - a few bottled beers and burgers and fries ($49.52 including tip).
Back at our Airbnb, we watch Big Trouble in Little China and enjoy our very messy, but delicious, burgers (it costs $4.39 to rent). The movie is very campy but fun. I love silly action movies, as you will see with my other viewing choices. We wrap up the night in a very exciting fashion, eating chocolate cake and watching old episodes of the original Star Trek.
Daily total: $80.51
Day 6
Morning & noon: When we wake up around 8 am, the weather is looking thankfully clear and even sunny! We were expecting rain, so we’re really glad. We decide to go hiking today, and we head out before even having breakfast, with snacks and lunches packed. Our first destination is a hike called Mt. Zion, but unfortunately, we run into enough snow 2 miles before the trailhead that we decide to turn back. We don’t have any traction for our Subaru and don’t want to risk getting stuck on a very narrow mountain road. Instead, we drive another hour or so to the Lena Lake trailhead, a very popular and less strenuous trail. It’s about 7.5 miles roundtrip with 1200 feet of elevation gain.
By this time, it’s around 11:30, but luckily there is still parking. It’s a great hike up, and we run into relatively few people. We always mask up whenever we pass anyone, as does about 50% of the people we meet. The others… not so much. Around a mile from the lake, we start to run into snow. It’s turned into a beautiful sunny day, and I’m loving seeing all this snow! It’s a bit slippery, but not too bad. We make it to the lake mid-day, and it’s super jammed – there’s only a small viewpoint accessible, so everyone is crowded in there. I feel a bit uneasy with all the unmasked people, but we manage to find a spot away from the crowd and sit down to eat our lunch of apples, chips, and energy bars. There are a ton of robber jays there (Canada Jays) which try to eat our chips. It is fun watching them, but I’m annoyed to see some kids feeding them – it’ll just make them that much more aggressive. Bad trail manners.
On our way back down, we get stuck behind a group of 5 unmasked adults, who refuse to cede the narrow trail to faster hikers. I’m a slow hiker myself, so, to be clear, I’m not angry at slower walkers being on the trail but have some self-awareness and let people pass! especially if you’re going to go hiking in a big group during a pandemic! We finally get back down and head back to our Airbnb.
Evening: Back home, we explore some of the trails our Airbnb host has set up around his extensive property, and then relax on the deck. The sun is breaking through the clouds and it feels wonderful to sit out in nature and feel the sun on my back. We open up a bottle of wine and have a few pre-dinner snacks (more chips and hummus). For this night, we brought ingredients to make a steak salad. Our Airbnb host has kindly set up a charcoal grill for us, so we grilled the steak and toast some bread on the side.
We eat dinner while watching the truly terrible Jean Claude Van Damme movie Bloodsport and finish up the very last of my chocolate cake. It’s amazing that anyone ever let Van Damme act… or should I say ‘act.’ I also have a Tate’s chocolate chip cookie or two, accompanied by a little port. My husband and I are truly very old people at heart, so we finish up the night watching a few episodes of Columbo.
Daily total: $0
Day 7
Morning: Unfortunately, K had insomnia last night, so he sleeps in pretty late. I drink coffee in bed and enjoy looking at the view out our big windows. Once he’s up, we get packed up and write a thank you note for our host. It was a great stay.
One of my big hobbies is birding and K enjoys wildlife photography, so we go out to look for some lifers! (The first time you see a new species of bird). Did I mention we are very old people in (relatively) young bodies? We first go to Dosewallips State Park and see some bald eagles, great blue herons, lots of various ducks, and a flock of Canada Geese, which, strangely, includes a domesticated gray goose. He’s much larger than the Canada Geese and seems to be watching over them. It’s kind of cute. Unfortunately, a lot of the birds are too far from shore to be seen clearly.
Our next stop is Point No Point (I love all the sad & disappointed names that early Westerner explorers gave places in the Washington/Oregon coast), a popular birding spot. We see a ton of birds here, and I can understand why it’s so well-known - Red-Breasted Mergansers, Western Grebes, Common Goldeneyes, Pacific Loons, and a few others I can’t identify yet. Most excitingly though, we see a whole pile of otters! They’re lounging around together on a rock just offshore and a ton of people are watching. We watch as they all slip off the rock and go hunting in the shore. It’s my first otter sighting in the wild, and it’s so cool! We also see some seals and possibly a sea lion. It’s a great spot for wildlife. We eat some snacks (hummus, chips, some sliced meat & cheese) before we head out.
I really want to come back to this area another time and explore further, but K has decided that we need to get back home in time for the Big Game. We take the 3:00 pm ferry back to Seattle ($16.40) and get home around 3:45 pm. I veg out at home while my husband watches football. He’s a Patriots fan but he still loves Tom Brady (??) so he’s happy to see Florida win. I don’t understand sports team loyalties at all, but whatever, I’m glad he’s happy. We order from a new Indian place called Spice Box and get vindaloo, roganjosh, and vegetables pakora – so tasty ($53.96). Happily, there’s enough left over for lunch the next day, since I have no plans for what we will eat yet!
I’m really dreading work the next day, as I know that it will be obnoxious. I want to get out of my job so badly, but it doesn’t look like I’m going on to the next interview stage for the job I interviewed no back on Monday. I’m feeling kind of down about it. I try to stay positive and promise that I’ll apply for at least 2-3 new jobs next week. I bake up some frozen cookie dough I had in the freezer and feel sorry for myself. We end the night by watching another episode of Columbo.
Daily total: 70.36
Food + Drink: $395.23
Fun / Entertainment: $26.40
Home + Health: $26.60
Clothes + Beauty: $0
Transport: $16.40
Other: $170.48
Grand Total: $635.11
I think this week was pretty normal for us. Obviously we spent a bit more than usual due to the weekend cabin trip, but nothing outrageous. Our largest consumer spending category is definitely food and drink – we live in a very busy area of Seattle with tons of restaurants and bars so believe it or not, we actually used to spend even more on eating out. We still try to support our local places by getting takeout or delivery during the pandemic and even occasionally getting a few drinks outside. I spent more than usual on groceries due to stocking up for the weekend away.

My first time trying to do some actual DD - I would greatly appreciate any feedback.
TLDR: Personally I will be investing into LUCK. I wouldn't put your life savings into it, but the potential is just as real as the risk. I'm thinking that it COULD go as high as $9, but would be happy with $3-5.
Overview
Company Info: (LUCK.V) Real Luck Group Ltd. – Sector Consumer Cyclical – Gambling
Parent company to luckbox.com a global esports wagering web site.
Stats:
https://preview.redd.it/gnet170bxrf61.png?width=1155&format=png&auto=webp&s=248475dac916a7ff5a9b63af65825ef802df2b23
Catalysts:
3/2/2021 – Adds sports betting to luckbox platform ahead of superbowl weekend
5/2/2021 – Available on Google Play in 15 new countries (19 total) including US and Canada.
Good earnings, Expected Good Earnings, Profitability, Enough Funding to make it into the following FY, New FDA Trial Findings, Patent Filing and Approval, Partnerships, Insider Buyout, Sudden Change in Market Conditions that Increase Demand for the Company’s Services, New Contracts, Institutional Investment, Activist Investment
Risk:
Competition/Competitors
The main competitor in this space seems to be Unikrn, although they are not publicly traded. There are other competitors, but they don’t possess the coveted Isle of Man license which stops crime in the gambling industry
Challenges to Protecting Intellectual Property
I’m not entirely sure about this but I don’t see a good reason why other companies couldn’t just get into this space fairly easily. CSE: FANS is into this space already with a market capitalization of $148M, NASDAQ:GMBL is in the space with a market capitalization of $109.5M.
Hard to find financials
As hard as I may look, I am unable to find any substantial financial information. This is concerning with their enterprise value being much lower than the market cap.
Market Cap vs Enterprise Value
Market cap is currently double the enterprise value
Share Shorts as of 15/1/2021
Currently 500 shorts on LUCK.
Currently fairly high penny flipping footprint
This seems to be one of the stocks I hear a lot about on penny stock forums and reddit
Only one brand
It seems now that Real Luck Group only has the one brand luckbox.com with no plans to change that in the future.
Generally, my thoughts:
Overall, I think this has so much potential. They initially got into esports but are moving into regular sports and with an app on the way (IF THE APP WORKS WELL) I think they could quickly dominate the industry especially since traditional betting methods are either not available or not necessarily safe due to COVID-19. I think they also have more room to grow with online betting including looking into chess – although I’m not sure if this is on their radar.
Other comparable companies: CNSX: FANS 52-wk high 1.32 NASDAQ: GMBL 52-wk high 9.75. Both of these companies have done well in the past 6 months. I have every reason to believe that LUCK has the potential to go above and beyond GMBL’s 9.75 due to the integration of the app and sports.
My largest concern with the company is the lack of financials and a enterprise value that makes me think they’re in debt, but I can’t say for sure. Also the 500 shorts makes me think that someone smarter than me knows something I don't.

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Hi everyone,
I am starting to get extremely alarmed by the magnitude of students struggling with mental health issues this semester, whether it be stress, anxiety, lack of motivation, depression, substance use, feeling generally shitty, or anything else that could be caused or exacerbated by online school in a pandemic.
I don't think that the university does enough to advertise the mental health support it offers students, but there are resources available.
If you feel like you are struggling, even a little bit, please sit down and chat about it with someone. Family, friends, or any of the resources below. You are not alone. You are not weak for struggling. There are many many people struggling just as much as you. The Carleton discord server has tons of people who would be willing to hop on voice chat for a conversation about mental well-being, myself included. With the winter, cold weather, and exams approaching, stress and poor mental health is only going to get worse unless you get help.
Below is every resource I could find that the university offers for mental health (free). If you have anymore, please post a comment below and I will add it to the list. I think it is important to note that many of these services (see general resources) will totally be fine with you calling just for supportive human interaction. If you even think you may benefit from a chat, you should do it. Mental health doesn’t have to be an emergency to matter.
Mental health is serious. Poor mental health weakens the immune system (in a pandemic!!), shortens your lifespan, and makes you chronically ill. So does loneliness. It can escalate quickly. PLEASE act on it.
Mental Health Emergencies:
If you or someone you know is thinking of suicide – call 911 immediately.
If you or someone you know is thinking about suicide, call the Canada Suicide Prevention Service at 1-833-456-4566 (24/7) or text 45645 (4 pm to 12 am ET).
International Suicide Hotline Directory: http://www.suicide.org/international-suicide-hotlines.html
Department of University Safety: (613) 520-4444 (or, dial 4444 from any university land-line) (on-campus only. CUSERT and Special Constables are trained in mental health first aid)
Good 2 Talk: 1-866-925-5454
Distress Centre of Ottawa and Region: Available 10am-11pm, 7 days/week, 365 days/year. Call: 613-238-3311 Text: 343-306-5550 Web Chat: blue chat icon at bottom right corner of website. Service is available in English only to residents of Ottawa & the Ottawa Region. Non-emergencies welcome as well.
University Crisis Line: 613-722-6914
Hope for Wellness
Call 1-855-242-3310 (toll-free) or connect to the online Hope for Wellness chat.
Available to all Indigenous peoples across Canada who need immediate crisis intervention. Experienced and culturally sensitive help line counsellors can help if you want to talk or are distressed. Telephone and online counselling are available in English and French. On request, telephone counselling is also available in Cree, Ojibway and Inuktitut.
General Resources:
Call Telehealth Ontario at 1-866-797-0000 (toll free) to speak to a registered nurse. The nurse can help you with any health matters, including depression, anxiety or other mental health or addiction concerns.
ConnexOntario provides treatment service information if you have problems with gambling, drugs, alcohol or mental health. You can:
Call toll free: 1-866-531-2600Live web chat Email
Health and Counselling Services: 613-520-6674 (for university clinic appointments)
"We offer short term individual counseling for students struggling with many different problems like anxiety, depression, relationship problems, sexual violence, or personal and academic stress. We have counsellors who specialize in issues impacting international students, those who have experienced sexual violence, and LGBTTQS2+ students."

Kids Help Phone
Call 1-800-668-6868 (toll-free) or text CONNECT to 686868.
Available 24 hours a day to Canadians aged 5 to 29 who want confidential and anonymous care from professional counsellors.
Download the Always There app for additional support or access the Kids Help Phone website.

BounceBack Ontario Toll-Free: 1-866-345-0224

BounceBack® is a free skill-building program managed by the Canadian Mental Health Association (CMHA). It is designed to help adults and youth 15+ manage low mood, mild to moderate depression and anxiety, stress or worry. Delivered over the phone with a coach and through online videos, you will get access to tools that will support you on your path to mental wellness.

Empower Me 1-833-628-5589

Empower Me is a confidential support service available 24/7, 365 days a year. No issue is too big or too small—regardless of what you’re experiencing, you’re not alone.
You can get support for issues of any kind, such as:
• Stress or anxiety• Depression• Relationships or interpersonal conflicts• Family responsibilities• Substance misuse/abuse• Disordered eating• Time management• Career counselling• Financial planning or financial insecurity• Nutrition, and more
• Call 1-833-628-5589 (toll-free), available 24/7 from anywhere in Canada or the US. See the FAQ (page 4) for additional helpline numbers for international access.
*Please note that you must provide your name and school/student association when you contact Empower Me for immediate crisis services or other issues.
Other General Resources
https://www.connexontario.ca/links

Suicide Prevention/Mental Health Resources
The Centre for Suicide Prevention is an education centre which equips individuals and organizations with the information, knowledge and skills necessary to respond to the risk of suicide.
Ontario Association of Suicide Prevention provides resources, education, facts and figures and news and upcoming events.
The Canadian Association for Suicide Prevention provides information on where to find support; including a guide for early responders and a prevention toolkit for schools. Their site also provides a listing of crisis centres.

How to accelerate ecommerce growth

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How to accelerate ecommerce growth. To enable speed in e-commerce, companies need to get a bewildering number of things right. But we’ve found that three elements are particularly important: a test-and-learn culture, operations to support rapid reaction, and a customer-first commitment.

Testing and learning

Research shows that more than 50 percent of companies whose revenue growth is in the top 10 percent are more effective than their industry peers at testing ideas, measuring results, and executing changes to products, services, and ways of working. A prerequisite of successful testing and learning is an acceptance of failure as the cost of uncovering new knowledge. Recent McKinsey research shows, in fact, that respondents at successful organizations are more than twice as likely as their peers elsewhere to strongly agree that employees are rewarded for taking an appropriate level of risk. Digital natives have this mindset as part of their DNA and support it in three ways.

Embed learning

A culture of learning has to extend to every corner of an organization, but it starts with leadership. At top-performing companies, senior leaders continuously scan for new tools and practices that can accelerate performance, taking the time to learn a new solution at least monthly, compared with quarterly at slower-moving companies. They also take steps to spread knowledge. When Procter & Gamble set about building a digital culture, the consumer-packaged-goods (CPG) giant, founded in the 19th century, started with learning. It created an array of platforms, programs, and training modules to broadcast knowledge and extend training throughout the organization. Its Digital Genius Academy, for example, aimed to upskill everyone in the company in online sales and marketing fundamentals. Another program paired middle and senior managers with digital-subject-matter experts, who were usually junior, to ensure knowledge traveled both up and down the hierarchy.

Reward experimentation, even when it fails

A cornerstone of digital culture is the ability to continuously improve and innovate. Teams are empowered to test, learn, and improve without the need for a cumbersome approval process, allowing them to test new go-to-market approaches, improve the e-commerce platform, or even get new products to market first. Incentives need to be in place to support this approach. At ShopRunner, for example, executives are asked in their reviews to describe recent failures. If the failures hadn’t cost the company money, the executives didn’t get their bonuses. Incentives include providing employees with ownership and decision rights. Atlassian, an Australian enterprise-software company, hosts quarterly ShipIt Days, in which employees have 24 hours to work on anything innovative they want, provided it relates to an Atlassian product, and then present the work to the company. The company also allows employees to spend 20 percent of their time developing their own innovative ideas.

Rapid-reaction operations

Truly digital players have fully integrated e-commerce and digital sales with the rest of the value chain. This allows them to quickly react to new customer demand, adapt existing offerings, introduce new products and services, and deliver them to customers fast.
Doing this well starts with being able to spot opportunities quickly. That requires good data and a commitment to using it. Nearly half of the best-performing companies in a recent survey, in fact, collect and analyze customer data at least weekly, compared with just 16 percent on average. Companies then need to have the operational flexibility to move quickly to go after those opportunities. Take Vistaprint, a global e-commerce company that produces customized marketing materials for small businesses. Driven by the COVID-19 pandemic, in late March, Vistaprint supported a local fire department in Ontario, Canada, in developing face shields for frontline workers. By early April, after this successful run, it had reconfigured its Ontario manufacturing site and produced its first 3,000 shields for the Ontario health system. Learning from the experience, it has now scaled its mask-making operations, offering customized, stylish face masks globally.
Agility in operations and supply chain has a cumulative strategic advantage. By the time a competitor shows up with a me-too product, the first mover will have rolled out scores of improved versions and already established a solid go-to-market approach. We found that during the crisis, many companies were able to make changes to their e-commerce front-end capabilities but struggled to adapt their logistics to support the surge in demand.
Walmart, known for its ubiquitous big-box stores, has invested heavily in digital operations over the past decade. Its digital process has been put to the test during the COVID-19 crisis. When its 45 online fulfillment centers were pushed beyond capacity, the retailer turned its physical stores into mini warehouses, which allowed the company to expand its “ship from store” offer to 2,500 retail locations.
These tasks are never “done.” It’s important to continually monitor and measure results and push for improvements.

Action focused on delighting customers

One reason that focusing on the customer accelerates a business’s pace is that it helps to provide clarity and focus about what is needed and cuts down on doing things that don’t add value.
Successful digital innovators treat customer satisfaction as a primary business goal. In practice, that means investing heavily in analyzing and mitigating any customer friction points and embracing a zero-defects mentality. How do they do that? The best companies intimately understand their customers’ experience, focus on the details of what their customers really want, and layer in data to fill out the picture. To drive this focus, they use data and analytics to synchronize the e-commerce experience with physical stores, social media, inside sales, customer care, and other customer-facing channels, making it seamless for the customer to shift among them.
A good example of this focus on what the customer wants is Best Buy, a US consumer-electronics retailer. When COVID-19 hit, customers could no longer come to Best Buy stores, but they were still shopping online and wanted their products quickly. So, in just 48 hours in March, Best Buy built and rolled out a contactless curbside pickup service that has since been extended to 1,000 stores. The effort included everything from new staging areas in the stores to new roles for sales associates. Best Buy’s US online sales increased more than 250 percent, and about 50 percent were fulfilled via curbside pickup.
For businesses today (both B2C and B2B), omnichannel has become a cornerstone of great customer experience. A recent research study says 40 to 65 percent of consumers intend to continue using contactless services, such as buy online and pick up in store and curbside pickup, even after the crisis is over.

How to make the change

Becoming a fast-moving e-commerce company requires a lot of things to happen at most large companies. However, we have found that executives should focus on getting three things right.

Understand what good looks like

As simple as this may seem, many executives have real trouble knowing what excellence is in the digital realm. Even for the most experienced executives, it is crucial to step out of the day-to-day, look outside the organization, and reimagine the business. That can happen in many ways, from setting up an internal group of experts, or “tiger team,” to review the business independently to visiting top-performing companies to see how it’s done. One large consulting firm decided it needed to move away from using a cost-plus pricing model to becoming a digital-enabled solutions provider. This involved a hard look at what other forward-thinking firms were doing to serve their customers and what actions the company would need to take in order to carry out the internal shift.

Be comfortable testing your way to the answer

Even when a company has a vision of where it wants to go and what good looks like, leadership may find it difficult, even impossible, to chart a direct path to get there. In digital, so much is unknown that traditional planning—sizing up a potential opportunity and developing the capabilities to seize it—isn’t possible. This is where a test-and-learn mindset is most valuable. By creating a safe place for line leaders to “test the ground” through small pilot programs and learning from their success or failure, leaders can course-correct until the best path forward becomes clear. When done well, this begets an iterative cycle of testing, learning, and planning—for example, developing a series of A/B tests or testing minimum viable products in the marketplace.
Because executives are uncomfortable with uncertainty and unfamiliar with the idea of testing their way to a plan, however, they often either starve the effort of the necessary resources or recklessly throw money and time at it without any guardrails. The test-and-learn approach is most effective when it has some basic disciplines combined with the appropriate investment and freedom to fail and succeed.

Walk in your customer’s shoes

Most executives will say that their companies are customer-centric, but often the reality is that business pressures, stakeholder demands, and market forces are top of mind. Even when leaders do commit to trying to better understand the customer (think Undercover Boss), they generally just end up experiencing the employee’s perspective, not the customer’s. For example, visits to the front line to listen to customer complaints or serve customers in stores may provide a window into employee–customer interactions, but they fall short of developing deep customer insights.
Instead, we’ve found it’s much more eye opening to analyze individual customer journeys in depth for one to two hours with six to eight company leaders. This allows executives to really question each step of the process and understand what the customer is experiencing. At one company, executives listened to a single interactive-voice-response (IVR) experience and learned that it wasn’t until 45 seconds into the call that the customer was able to make the first choice. That simple example with a single customer drove home the nature of the pain point. The team prioritized streamlining the IVR process so that the first interaction could happen within ten seconds.
Any effort to quickly scale e-commerce requires significant resources, from new kinds of talent to data analytics to IT infrastructure. While those resources are critical, we continue to believe that a learning mindset that values speed over perfection, embraces failure as much as success, and empowers team members is even more critical, and you can start the change today. Without that mindset, all the resources in the world will not result in a truly digital organization.

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Recap – Despite a huge gain on Friday, the SPY continued the bullish trend and ended up 1%. The Momentum plays on Friday were BHC and HPE. They finished at +6.55% and 4.37% respectively. If you played these in the after-hours market Friday you should have made out pretty well. Unfortunately, my limit orders were never filled. The Classic UOA picks of SABR and APA collectively did okay. SABR was quite a bit higher in the morning at 11.50 but proceeded to drop for the rest of the day ending at -1%. If you had a reasonable take profit that should have hit. The second pick, APA, ended up 9.77%.
Site update – Economic Calendar has been updated to be more useful. This week I am going to focus heavily on the resources area so be sure to check it out. Eventually it will be a database with the most useful sites both free and paid that could help you to make the best decisions possible. There is also an email subscribe button now (it has yet to be tested).
Here’s the Option Activity Summary for today –
June 8th, 2020 Option Activity Fast Facts (Stocks >$6)
Highest Multiple over Daily Avg (with ADV >5k) – IVR with 11x it’s ADV of 20,489. 202k calls traded and 31k puts.
Ticker with most contracts Traded – GE with 591k contracts traded and 2x it’s ADV of 285k. 462k calls traded and 128k puts.
Largest Put to Call Ratio (w/ Option volume over 10k) – IEF with P/C ratio of 70 and 159 calls and 11k puts.
Largest Call to Put Ratio (w/ Option volume over 10k) – SONO with 33 C/P ratio. 37k calls and 1.1k puts.
1. Ticker : FTCH
Spot Price : $15.58 +1.55, +11.05%
Company Summary (from Yahoo Finance): Farfetch Limited, through its subsidiary, Farfetch.com Limited, provides an online marketplace for luxury goods in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates in three segments: Digital Platform, Brand Platform, and In-Store. The company operates Farfetch.com, an online marketplace, as well as Farfetch app for retailers and brands. It also offers web design, build, development, and retail distribution solutions for retailers and brands. In addition, the company operates two Browns retail stores in London; one Stadium Goods retail store in New York; and two New Guards Off-White stores in Las Vegas and New York. Further, it operates approximately 50 New Guards franchised retail stores. Farfetch Limited was founded in 2007 and is headquartered in London, the United Kingdom.
Special Considerations : None
Next Earnings date: 08/06/2020
Option Information :
Today’s Option Volume : 28,438 Average Daily Volume : 3,433 Multiple over ADV:8
Total Calls : 27,462 Total Puts : 976 C/P Ratio : 28
Calls at ask % : 45 Calls at bid % : 24
Puts at ask % : 11 Puts at bid % : 52
Notable strikes : JUN 19 ’20 $16 strike with 18.7k volume today. Previous OI of 575.
My Impression : FTCH is presenting at the Deutsche Bank dbAccess 17th Global Consumer Conference 2020 June 11th, 2019.It had a large spike today, but has been as high as $16.59. The Calls at ask % looks pretty bullish to me. This is similar to FLEX, BHC, and HPE. This is mostlikely buying the rumor and selling the news. Looks solid to me, I bought shares AHs.
2. Ticker : EVRI
Spot Price : $7.88, +.90, (+12.86%)
Company Summary (from Yahoo Finance): Everi Holdings Inc. provides technology solutions for the casino gaming industry in the United States, Europe, Canada, the Caribbean, Central America, and Asia. The company operates in two segments, Games and FinTech. It offers gaming products, such as classic mechanical reel games, video reel games, core HDX, Empire MPX and the Texan HDX, wide area progressive games, and slot tournament systems; and sells player terminals, licenses, back office systems, and other related equipment. The company also provides Cash access services; Casino Cash Plus 3-in-1 ATM, a cash-dispensing machine that enables ATM cash withdrawals, POS debit card cash access transactions, and credit card cash access transactions; check verification and warranty services; CashClub that provides gaming establishments with a single dashboard interface to streamline credit and debit card cash access transaction processing and check warranty transactions; fully integrated kiosks that provide multiple functions to the casino floor; and other integrated kiosk solutions. In addition, it offers Everi Compliance, a suite of compliance software to assist with anti-money laundering regulations; Central Credit, a gaming patron credit bureau service; non-ATM terminals that perform authorizations for credit card cash access and POS debit card transactions; database services; and an online payment processing solution for gaming operators in states that offer intra-state, and Internet-based gaming and lottery activities. The company was formerly known as Global Cash Access Holdings, Inc. and changed its name to Everi Holdings Inc. in August 2015. Everi Holdings Inc. was founded in 1998 and is headquartered in Las Vegas, Nevada.
Special Considerations : Earnings 06/02/2020
Next Earnings date: 08/4/2020
Option Information :
Today’s Option Volume : Average Daily Volume : 2,537 Multiple over ADV : 9
Total Calls : 22,837 Total Puts : 293 C/P Ratio : 77
Calls at ask % : 48% Calls at bid % : 24%
Puts at ask % : 11% Puts at bid % : 16%
Notable strikes : JUN 19 ’20 10C with 12.9k vlm and 4.94 OI. 3.28k VLM at the 12.5C same expiry.
My Impression : Calls at ask % looks very bullish. 9x ADV. With the run up of PENN and DKNG I am amazed this fell through the cracks. It’s 52 wk high was $15. I don’t see any news on briefing to warrant the sharp increase.
CLASSIC UNUSUAL OPTIONS ACTIVITY –
Summary : Friday’s picks HPE and BHC ended up pretty well today. Keep in mind, both of these stocks have conferences coming up. BHC has the Goldman Sachs 41st Annual Virtual Global Healthcare Conference June 10th and HPE has the conference tomorrow. Keep this in mind if you held through today. Buying the rumor and selling the news is usually a safe bet.
Regarding the momentum stocks, EVRI and FTCH look solid to me. With the recent run up of gambling stocks EVRI seems all around solid for a shorter-term hold. I bought both EVRI and FTCH in after hours. As for the Classic UOA stocks, I’m not playing either of these but will likely do a call spread on TSLA tomorrow.
Thanks for reading.
DISCLAIMER – These are my observations that I have made at the end of each day and trades that I am considering placing or watching. I am not responsible for your financial losses if you follow any of these trades. As always, do your own due diligence.

Edit: If you liked the post please don't forget to upvote and or leave a comment!

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BetSafe Casino Full Review:

Introduction

BetSafe was launched in 2006 and has been growing ever since. The online gaming website is now available worldwide and has more than 450,000 clients from 100 countries. BetSafe is one of the leading operators for both sports betting and casino games online. Not only does it have a huge variety of gambling options but it also provides the perfect services needed to guarantee a flawless experience for its many customers. The support service is top-notch and can be used to get help quickly at any time.
BetSafe.com is operated by BML Group Limited, a company located in Malta and licensed by the MGA. Players from the United Kingdom can join thanks to the approval of the Gambling Commission, which regulates the real money gambling site. Some of the many software providers on the platform are licensed by the Alderney Gambling Control Commission to ensure fair gaming on every round. The secure site is welcoming and you can learn more about its products in our expert online review for BetSafe.

Software

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Betsafe Casino Games

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Betsafe Casino Promotions and Bonuses

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If you just want to get some extra information and you don't need to ask the support team directly, the help center also has FAQs across different categories. The details provided here could have been a bit better but there are certainly plenty of topics covered to help customers out with common issues.

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Support at Comeon Casino

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EMUCASINO REVIEW

If you haven’t ever played at EmuCasino or at least heard of these guys before, you must have been living under a rock for the past few years. Introduced in 2012, the casino had slowly started building quite a reputation, based on a large selection of top-quality games provided by some of the most powerful players in the online casino software niche.
Even though the name and all the other visual clues strongly suggested these guys have strong ties to Australia, there were some radical changes that took place at the beginning of 2020.
It may come off as a bit strange to name a casino after the emu bird at first, but despite the obvious geographical connections, this peculiar animal is actually deprived of its ability to move backward and it can endure the most extreme conditions and situations, so there’s even more symbolism right there.
Alas, the latest set of changes doesn’t really reflect the forward-thinking they were so eager to embrace so far…
This change will only affect punters who try to access the site from Australia, and it will operate as normal to all the other players who access from outside of Australia.
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This is one of the areas where this venue shines the brightest, as they really know how to throw a good party.
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Once they did have phone support as well, but that simply isn’t the case anymore.
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Licencing

EmuCasino does have an operating license, but their site doesn’t state which one. There are many trustworthy and reliable certificates that confirm these guys do care about their customers.
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Betsson Casino is well-known in the Nordics but outside this they are maybe not as recognised as the other big-ticket online casinos available to play on the internet, but it still provides a first-class service to its ever-growing base of happy and satisfied customers. Founded in Sweden, this online casino is currently based in Malta where it obtained a license to provide online gambling products in 2006.
The Betsson gambling company owns shares to fellow Swedish company Net Entertainment, one of the top casino game software providers in the world. The website also plays host to other leading names in the software industry such as Microgaming and Evolution Gaming.
You can take full advantage of the many exciting slot machine games and other timeless casino games that are available to play both online and on your mobile phone or tablet device. There are also plenty of rolling jackpots to try your luck at, meaning that you are always in with a chance of winning some seriously big money.

An expanding reputation

Although the name might not be as instantly recognizable as other online casino providers, Betsson is quickly gaining a strong reputation in in Europe. With a proud history that can be traced back to 1963, Swedish betting company Betsson is constantly on the move to expand and acquire business from its direct competitors, making it a force to be reckoned with in the online gambling trade.
In 2011, Betsson bought out all the shares of the Betsafe gambling group, expanding its customer base by a good few hundreds of thousands while also expanding its reach to UK based betting markets. The company also did business with a Chinese state-run betting company to establish a joint venture in online gaming operations within the country – making it one of few betting companies to successfully tap into the Chinese gambling market.
The Swedish gambling giants continue to venture into new markets around the world, ever-increasing its reputation as a seriously top quality online casino provider. To date, Betsson has acquired casino and betting brands across Scandinavia, The Netherlands and Georgia.
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If it's amazing animations, quality graphics, and silky smooth slot machine gameplay that you're in the mood for, then this is the right online casino for you. The company makes sure of this by going to the likes of NetEnt, Microgaming and Evolution Gaming to get its software. With big names like that working behind the scenes, you are guaranteed to get full on entertainment value for your money.
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Some of the more popular slot machines available to play on BetSpin include the groovalicious Disco Spins, the big-hitting Rugby Stars and the quite frankly weird Machine Gun Unicorn. But hey, whatever tickles your fancy.
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If you happen to get tired of all the great slot machines that Betsson Casino has to offer, then you can explore the many other casino related games available to play on the website. There is everything from casino table games such as roulette and blackjack to video poker and live casino.

Betsson Casino Payments

Even though the casino is run by Swedish operators in Malta, it is still perfectly easy and safe to make a payment to or from you account from any country they accept players from. There are ample payment methods available – including credit/debit cards, e-wallets, and prepaid vouchers – all of which are protected by the website's Verisign certified SSL encryption.
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Betsson Welcome Bonuses

Everyone loves a nice little welcome bonus and Betsson Casino has a pretty rewarding one available to new customers. The only problem is, the Betsson Casino welcome bonus is only available to new customers from certian countries.
The €200 bonus is structured as, deposit €100 and get 100% free. You would have to bet 35 times that amount before you would be able to withdraw any winnings. So, depending on which way you look at it, you might actually end up without the hassle of a hefty play-through target.
All customers of the site will be able to take advantage of some rewarding on-going promotions, all of which give you the chance to win anything from a few free spins on the slot machines to vouchers for electronic goodies worth up to €1,000.

Betsson mobile casino

If you fancy yourself a cheeky bit of casino action while you're out and about, you can do so with the excellent Betsson Casino mobile and tablet app. It's readily available to download for both Android smartphones and iOS iPhones and iPads and includes more or less all of the same fun casino features as the desktop version.
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For a betting company that doesn't get a lot of advertisement exposure (outside Scandanavia) compared to some other online gambling services, Betsson offers an adequately professional online casino service. The software runs smoothly and professionally, just like a truly big name casino site would, but you know that you will be getting a more personal and attentive service when it comes to customer support.
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Casino Days is a popular online gaming site that welcomes you with a generous new player bonus. Existing player promotions such as free spins, reload, and instant feature bonuses can also be yours when you play here regularly.
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Casino Days Bonuses and Promotions

It only takes a minute to sign up at Casino days and your reward is a generous casino welcome bonus. You can use your deposit and bonus funds to play an exciting variety of slots, live casino games, and table games. As a minimum and maximum deposit limits apply, our Casino Days review experts think this new player offer is perfect for players with all types of budgets.
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Software and Other Games

Our review of Casino Days revealed an exciting slots and games section. Subheadings such as ‘top games in Canada’ will direct you to a great choice of slots from Push Gaming, as well as other top software providers such as Booming Games, ELK Studios, and Playson. There are lots of themed slots to choose from, many of which have awesome features and bonus rounds.
Casino Days also has a ‘megaways section’ where slots feature the popular Megaways Paylines. Eye-catching titles include Great Rhino Megaways by Pragmatic Play and Temple Tumble Megaways by Relax Gaming. There’s also an ‘epic wins over 10,000x’ section, where you can play big-prize slots such as Razor Shark, Release the Kracken, and The Shadow Order.
The Casino Days live casino is another source of thrills. Check out lots of live casino games such as Andar Bahar and Teen Patti. Ezugi also provides many types of exciting live roulette and blackjack games that can be played against real dealers. Baccarat, dragon tiger, and casino hold’em are other games you can play here.
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Banking and Cashouts

You can make payments at Casino Days using a variety of currencies including Canadian Dollars, Euros, and cryptocurrencies. There is also a decent choice of payment methods such as credit cards and e-wallets. For example, you can use Visa to fund your casino account. If you’re not sure what your best banking option is, our Casino Days review team recommends you check with the cashier.
Withdrawal limits are declared in Euros, but you can cash out up to the equivalent amount of €100,000 in CAD per month. All financial transactions and personal data are processed using digital encryption in compliance with the gambling regulations of Curacao. This classifies Casino Days as a safe online gaming site.
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Support at Casino Days

If you need help at Casino days, the FAQ section is a great place to browse lots of useful questions and answers that have been asked by players just like you. It covers a variety of topics including payments, KYC checks, and bonus policy.
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Our Verdict of Casino Days

If you spend the rest of your casino days playing at Casino Days, you won’t be disappointed. You’ll be able to claim a welcome bonus when you open your account. You can then continue to enjoy reloads, free spins, and instant feature bonuses.
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Jackpot City Casino Review

Jackpot City Casino is one of the top casinos you can choose for online gambling. The site is tailor-made for Canadian players. You can play in CAD, and their customer service team employs Canadians. Also, you can even get Canada-only bonuses from time to time. Bayton Ltd has an online gaming authority license under the Malta Gaming Authority. When you’re playing in Jackpot City Casino Canada, your money is always safe. Read the review and see if JackpotCity online casino brand suits for you.

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All four parts of the $1600 bonus comes with a 50x wagering requirement.
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List of Wagering Percentages for various games:

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These numbers are typical for Microgaming casinos. In their top online casino software, it’s normal that slot and scratch and win real money games contribute 100% and everything else little to nothing. After you’ve met the wagering requirements, you can cash out your winnings at any time. The fastest way to clear the bonus wager is to play online slots.
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Popular Loyalty Program, Bonuses & Other Rewards

JackpotCity’s bonus is one of the biggest in the gambling sector for Canadian players. What’s best, your perks don’t stop there. Whether you are an online slots fanatic looking for spins bonus or a house game player, they’ve got the loyalty part covered. With a small min deposit, you can test the casino before committing with a bigger deposit.
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The loyalty program is a tiered bonus offer system where you accumulate loyalty points that you can convert to free cashback when you hit the targets. This effectively means that you will receive cashback on your casino gaming activity. That results in receiving extra dollars on top of the deposit and other promotions. The more play, the more you gain extra dollars. Jackpot City top two levels are Diamond and Platinum play.
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Casino Games

Jackpot City is one of the biggest online casino operators in Canada. JackpotCity Gaming has a gaming selection of 650 casino games. You may notice it is in the middle range when comparing to other online casinos in the industry. However, 650 games are still quite a lot to choose from, especially given how well JackpotCity Casino has distributed the games.

Jackpot City Slots

Aurora Wilds
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Avalon
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High 5
Immortal Romance
Mermaid Millions
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Mega Moolah
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The list of slots available includes some legendary slots like Mega Moolah, along with new exciting alternatives.
You might have your favorite, but most online players love Microgaming games like Mega Moolah. These progressive slots lure players with massive jackpots.
This slot machine needs no introductions, as it’s made tens of online millionaires. In 2017 alone, Mega Moolah crowned 12 new millionaires.

New Slots

The good news for Canadian gamers, new online slots, table games & video poker games keeps coming in the house. You can play your favourite games at this real money casino. All new online slots are reviewed by third-party authorities such as Malta Gaming Authority to the randomness of the games.
Here’s a list of popular new slots:

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The Yellow Emperor
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New online games keep popping up into the casino house lobby.
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Live Dealer Games

Even though Jackpot City Casino doesn’t advertise them on their Canadian website or have any live casino bonus in Canada. It has a live dealer gaming selection from Evolution Gaming and Ezugi, two of the top live casino game providers. Table games at JackpotCity consist of all the classics with some fun and exciting new options as well.
List of live casino games titles include:

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Live Roulette
Live Baccarat
Live Caribbean Stud Poker
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Casino Hold’em

You can play online live dealer casino games at JackpotCity also from Android, iPhone & iPad casinos Canada. Having live chats with other players and dealer makes your online gaming experience better.
You can also play in Private live dealer tables. To get access to the private tables, you’ll need to verify yourself by sending proof of identification and proof that you live in Canada (e.g., scan a utility bill). It will allow you to play with high stakes in private tables.
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Jackpot City Casino Mobile Gaming

Microgaming has provided reliable software for JackpotCity Casino mobile gaming. Thanks to that, the mobile casino is always a fun gaming experience. You can play on the move via a Jackpot City mobile site or download an app that’s also available for Canadian players.
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The smartphone sure is convenient, though, for mobile gaming in Canadian-friendly casino sites. Playing mobile games on a go is ideal to get the best online casino experience.
You get to play anywhere with an Internet connection. Just make sure the Internet connection is good enough when playing online with a mobile phone or via iPad casino, so you won’t get disconnected during the casino entertainment session.

Payment Methods

Depositing and withdrawing is fast, safe and easy for Canadians at Jackpot City.
List of Trusted Depositing Methods below:

Cheque
eCheck
ecoPayz
iDebit
Interac
Credit Card (Mastercard)
PaySafeCard
Prepaid Cards
Debit Card (Visa)
Qiwi Wallet

Canadian casino players can withdraw with the same banking options or via cheque in Jackpot City Canada. Note that banking methods might have differences how much you can withdrawal. No matter what payment method you choose, you always get super-fast cashouts. If you have any trouble, contact customer support via email or live chat that has a fast answering time.
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Conclusion: Jackpot City Casino is an oldie but goodie

It is simply the best casino promotion available, mainly when you will deposit $400 or more. They also have weekly and monthly promotions that add extra value to your casino experience!
The casino bonuses at Jackpot City are by far the best for Microgaming Casino. At other Microgaming sites, like Royal Vegas, Ruby Fortune, Quatro Casino or Captain Cooks Casino, Platinum Play Casino, Karamba Casino, getting the same value for your deposits is not an option right now.
Along with the best Microgaming bonus in Canada, JackpotCity online casino promotions are one of the reasons that have made Jackpot City popular amongst online casino Canada players.

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About Jackpot City Casino

Jackpot City Casino has been providing the exciting world of online gambling to Canadian players and the rest of the world since 1998. These online casino veterans have so much to offer from their wide selection of games like blackjack, poker, and slots to seamless banking options. They offer Canadian players 24/7 customer support, a mobile experience like no other, and so much more to create an exceptional gaming experience for everyone. Be sure to read our entire review to know why you should play at Jackpot City Casino.

Is Jackpot City Safe?

Jackpot City Casino is regulated and licensed by the Malta Gaming Authority and Kahnawake Gaming Commission, which both have stringent gambling criteria. You can rest assured that your details are in good hands and will not be shared with third parties. This online casino is endorsed for fairness and safety by eCOGRA, one of the world’s most trusted casino regulators.

Jackpot City Casino Bonuses and Promotions

Bonuses and promotional offers are a regular feature at Jackpot City Casino, offering a lovely online gambling experience for players from all walks of life. Keeping yourself updated would be best to ensure that you do not miss out on these incredible offers. One way to do this is subscribing to the casino’s newsletter.

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New players can take advantage of a fabulous sign-up bonus of up to $1600.
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Jackpot City Casino’s VIP Program

Playing frequently will obviously reap its VIP rewards. The Jackpot City Casino Loyalty Programme offers Canadian players a host of marvelous benefits. You receive Loyalty Points for each cash bet, which means the more you play, the more you win and earn. However, that means you do not earn points for bonus plays. With these Loyalty Points, you can move up through the different levels of the Loyalty Programme. For example, you start off at the Blue Level, which means you have between 0 and 999 points. There are six levels: Blue, Bronze, Silver, Gold, Platinum and Diamond. You need 60,000 or more Loyalty Points to reach the Diamond Level, and you can redeem these points for cash, or you can enter draws for vacations, cars, and much more.
Remember, Every time you make a deposit, Jackpot City casino rewards you with Loyalty Points right from the very first deposit. The points can be converted into cash back once you have accumulated enough.

Match Promotions

You can look forward to match bonuses based on your playing activity. What Jackpot City will do is send you regular weekday and weekend personalized emails containing these match bonuses. The bonuses you receive will be based on your playing activity, so the more you play, the better the bonus offers will be.

Casino Games at Jackpot City Casino

If you have been gambling online for a while now, you will know that when the name Microgaming is mentioned, only quality can be expected. Jackpot City is powered by this online gaming giant and what you will experience is high-end technology at its best. Their game selection has over 400 casino games, including over 300 online slots games. Some of their slot games have scooped up awards for their graphics and animations that bring a ‘real-world’ feel to life!
Games that can be expected include blackjack, video poker, and roulette. Here are some of the playable games powered by Microgaming from each game type.

Tournaments

Gaming tournaments are one of the most fun and exciting aspects of this casino. They are known for hosting many different types. Blackjack, poker and slots are just a few of the online casino games you can play in a tournament format. Of course, like any tournament, there is a small buy-in or entry fee. This is on top of the casino credits you will need to play the game. All you need to do is keep an eye on the tournament section of the site to know when and what to play in order to get started! It’s that easy.
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Banking Options at Jackpot City Casino

Jackpot City Casino banking options are handled via trusted providers that use the latest SSL encryption technology. There are several trusted banking options offered by Jackpot City. These banking options are popular for offering sleek deposit and withdrawal processes. Again, another trait that takes the burden off your shoulders. Remember, some of these options are region-specific, so make sure you use an option that works for your country.

Mobile Gaming

You can also play these quality games on your mobile phone, for free or real money. You can play by either downloading the Jackpot City app, or you can simply log in to the Jackpot City site through your browser. Jackpot City has industry-leading mobile software that makes playing on your mobile casino or tablet easy to do. The same safe and secure gaming experience from Jackpot Casino’s desktop experience is provided via mobile.

Customer Support at Jackpot City Casino

Every online casino in Canada should know that customer service is a vital part of online gambling. Maple Casino reviewers pay close attention to such details, so you can have a smooth gaming experience. Jackpot City has various ways you can reach their customer service team at any time of the day:

Live Chat: Available on site
Email: [[email protected]](mailto:[email protected])
Telephone: 1-800-768-1946

Overview of Jackpot City Casino

Jackpot City Casino offers what most competitors fall short on: hassle-free online gambling that pays out fast, in real Canadian Dollars. They are dedicated to providing players an unforgettable experience through bonuses, customer support and game selection. This is what keeps players, and our team here at Maple coming back for more. What more can an avid player ask for?
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