How to Prevent Fraud in Your Small Business

Most small business owners don’t even consider that their employees could be stealing from them until it’s too late.

The average small business fraud lasts 24 months and costs $200,000 by the time it is discovered according to the 2008 Report to the Nation from the Association of Certified Fraud Examiners (ACFE).

Three former employees of PBS&J, a Miami engineering firm, pleaded guilty in federal court to their roles in embezzling 36 million dollars in a scheme that lasted more than 12 years. (According to a report by the Miami Herald on September 29, 2006.)

The average American business loses 7% of revenue (sales) to fraud – more than the total profits in many small businesses. There are five main causes of a higher incidence of fraud in small businesses.

1. Trust. Small business owners tend to be closer to their employees, know them personally as well as from a business standpoint. For an employee to steal from you, you must trust them. Employees Crimes against Humanity tend to be more trusted in small companies.

 . Small workforce. With a small number of employees, many business owners believe that controls are impossible. This isn’t true. Even with a small number of employees, some controls can be implemented. Even a small number of controls can reduce the likelihood of fraud. For example, the ACFE report indicates that companies with a job rotation / mandatory vacation policy had 61% lower fraud losses.

3. Failure to delegate. Small business owners tend to want to be in control. As a result, employees are hired, given a job, but the owner retains important parts of the job for themselves. As a result, there appear to be controls. Unfortunately, the owner has over burdened themselves with too many tasks; and, as a result, they do a poor job in executing them. For example, signing checks without thoroughly reviewing documentation.

4. Overlapping and unclear job responsibilities. In a small business, it often seems that everyone is responsible for everything. If a job needs to be done, everyone is expected to pitch in. Unfortunately, this provides an opportunity for a dishonest person to overcome controls by being able to work in more than one part of the business.

5. Controls not a priority. Finally, controls just seem not to be a priority for most small business owners. There is a pervasive “it can’t happen to me” attitude. Unfortunately, it can happen to you! Spending some money now to install a number of preventive controls should be seen as an investment (no different from an insurance policy), not as an expense. Like insurance, you hope you will not need it – but if you do, controls can be there to help.

A former Home Depot employee pleaded guilty in New York federal court to taking millions of dollars in kickbacks from vendors to ensure their products would be stocked by the company. He shared more than $2.5 million in bribes with other company employees in a scheme that extended over three years. (According to a report by Reuters on June 30, 2008.)


Free Online Casino Games – Blackjack and Video Poker

Playing online casino games is thrilling, but perhaps the high of excitement is also making money for you. And if all the fun is completely free, just go ahead and do it! Playing online casino games has a lot of fun aspects about it. There are different types of online casino games and all of them have a different fun factor. But you need to understand that you need to play wisely so you do not lose your money in the process. This means that you should learn some tips about playing online casino games before actually getting started.

The best thing about playing free online gambling games and free online casino games is that there are no real money transactions involved. All transactions are purely online Vao Roi Tivi. When you play online casino games, you will be dealing with a dealer casino games, and not with a physical gambling establishment.

So you have the advantages of not having to physically gamble in the brick and mortar casinos. You do not need to worry about dealing with long lines and wait in those long lines. With online casinos, many people find that they can play many different types of casino games from all around the world. In addition, you can play online casino games for free and play at your own pace.

When people get ready to play online casino games, they often wonder what kind of bonuses they can receive. There are several ways that people can receive these bonuses. Some casinos offer them to new players. Other casinos offer bonuses to people who play multiple games on their site or to players who try out their site.

In some cases, you can get bonuses by simply signing up to play online casino games. By doing this, you become a part of the dealer’s down payment pool. This is a way that casinos reward people for helping to generate income for them. The dealer’s down payment will be divided between the actual casino account and the player who will receive the bonus. However, you may not necessarily receive a bonus when you sign up for a site.

One of the most popular ways that people enjoy playing online casino games for money is by playing slot machines. Blackjack and video poker are two of the more popular slots games that people play for money online. In most casinos, slot machines are part of the Video Poker machines that are found throughout the main casino. However, you do not have to travel to Las Vegas or Atlantic City to play video poker. You can play online casino games right from your home by using a credit card or your e-mail address.


Finding Your Inner Strength (AKA Cultivating Your Inner Good Witch)

My clients come to work with me for a variety of reasons. Some clients come to deal with anxiety, insecurity, or unhealthy relationships with food. The ‘presenting problem’ is often different, but the common motivator is usually the same – there is a part of their life that isn’t working and feels confusing. They feel lost. They want something different but don’t feel they know how to get there. Everyone comes seeking more clarity and better solutions for moving forward.

Have you ever felt this way about life?

Have you ever felt dissatisfied or unhappy 토토사이트 and didn’t know quite what to do or how to change your situation?

Have you ever felt as though you couldn’t make a decision, or that there were a million different people living inside your head, and all of them want something different?

I may as well be asking you – “by any chance, are you a human being?” because this happens to every single on of us.

One of my favorite topics to present on is the use of metaphor in therapy and healing work. I absolutely love it (and anyone that has worked with me will tell you I use it all the time). One of my favorite metaphors for developing our inner strength when life gets confusing is the Wizard of Oz (yes, you heard me right).

There are many reasons that the Wizard of Oz is one of the most famous movies of all time. It’s a great movie, but in my opinion, it is also one of the greatest metaphors in our common cultural sphere – and I want to break it down as I see it for you to help you look at your situation a little clearer.

In the movie, Dorothy finds herself in a confusing and unknown world. She just wants to go home.

She is told that she has to find this great all knowing Wizard, and that he will have the answer, so she sets out to find him, believing that he has the solution to her problem.

On her way she meets the Lion without courage, the Tin Man without a heart, and The Scarecrow without a brain. She also meets a wicked witch, and a good witch. And then there’s Toto.

So – Here we go – metaphor time.

In your life, you are Dorothy. Along your path, you get lost from time to time in situations that feel scary and unfamiliar. You just want to go “home” – and in real life – “home” is the reconnection with our self.

As we go down the yellow brick road (which is life), we face some scary stuff (flying monkey’s anyone??).

We also aren’t alone. We travel with a cast of characters, much like Dorothy, only – they are in our mind. We all have our own version of the Lion, The Scarecrow, and the Tin Man. We have our inner good witch and bad witch as well. In therapy, we get all fancy and call these inner parts “ego states”. The theory is that we have parts of our identity that exist that play different roles and have different functions.

We all have that part of our self that can be really frightened, and we all have the part that can really be courageous (both parts of the Lion). We all have the intellectual part and the capacity to not “know” something and be confused (both parts of the Scarecrow). We all have the connection to heart, and have part of ourselves that is able to disconnect from that (usually out of defense) and be without our heart (both parts of the Tin Man). We also have the wicked witch ego state, which is commonly referred to as the “inner critic”, but is the voice in our head that torments and criticizes us.

Lastly, we also all have our good witch. This is the ego state that I believe is connected to the divine and is there to support our highest good. This is where I want to focus.

As adults we have the capacity to choose which ‘part’ we want to feed. We can actively and consciously choose which ego state gets to run the show. We can choose which voice we listen to and which voice we actively reinforce. We can choose to listen to the good witch, and let her advice and direction guide our journey.


TOTO Toilets Review – Why Choose A Toilet Such As the Drake Two Piece or Ultramax One Piece?

TOTO is a leader in the home appliances industry. For many years, the brand has engineered and crafted products that offer good performance in the plumbing world. TOTO toilets in particular are among the best in the world, due to their EcoPower faucets and advanced flushing technologies.

If you’re interested in a new toilet for your bathroom, this is the brand you should start out with. The products offer benefits such as low water consumption, efficient flushing, quiet operation, and so forth.

One really good option is the Drake Two Piece Elongated model. It has low water consumption and still managed to deliver efficient flushes. With its powerful flushing system, it can help lower your water bill.

It also has a nice, contemporary appearance, and can be used in commercial buildings and family bathrooms both. It’s available in cotton white, bone, beige, or ebony. The Drake Two Piece 토토사이트 system comes with trip level, tank, cover, and chrome fittings. The seat is sold separately. There are quite a few of them to choose from.

If you would prefer a round toilet, you might be interested in the Drake Round Two Piece. It also features the G-Max flushing system. It’s a fast and efficient toilet that is built to last for years. It can fit in any family bathroom.

Where this model really stands out is its ability to offer commercial-grade flushing. It can be used as a residential toilet, yet performs just as efficiently as a commercial one. With its large water surface and neat tank trim, this is one of TOTO’s finest products.

If the design isn’t right for you, there are plenty of other choices, such as the Ultramax One Piece. This is a one piece toilet that only uses 1.6 gallons of water per flush. Thanks to its powerful jet flush and large water surface, it can keep itself clean. The flushing performance is commercial-grade, yet still very quiet. The 3-inch valve is more than 100% larger than the conventional 2-inch valve found on other toilets.

The way the toilet is designed makes it compatible with a number of SoftClose seats. You could also upgrade to a Washlet seat, which is even more comfortable. There are a few different colors to choose from, including cotton white, bone, beige, and colonial white. The Ultramax One Piece toilet can blend seamlessly into any bathroom.


7 Must-Learn Principles About Hazard Analysis and Critical Control Point

The food service industry faces a range of challenges that can impact their organizations’ overall operations. To retain their competitive edge, managers are always on the lookout for better strategies to run a hotel, bakery, cafe or restaurant.

From conceptualizing the right menu, addressing staffing concerns, improving customer engagement and marketing, and increasing cash flows to sustain the business operations, business owners will find themselves adjusting from time to time to stay afloat.

One important aspect both owners and managers must have a complete understanding of is the international standard on Hazard Analysis and Critical Control Point (HACCP), which is focused on risk reduction of food safety hazards.
Identification and control of potential hazards are important steps under an HAACP system and may include the following hazards: physical, biological or chemical.

Companies engaged in the food production sector and whose operations involve manufacturing, processing or handling can turn to HAACP to eliminate possibilities of food product contamination.

The heart of HAACP lies on its seven basic principles.

1. Implementation of a Hazard Analysis

Companies must start evaluating their activities and pinpoint hazard-prone areas. As stated, hazards may exist in physical conditions (such as metal contamination), biological conditions (such as viral or bacterial exposure products), or chemical (such as possible product exposure to toxins at various development stages).

Hiring a third-party expert who can help food production organizations arrive at an objective hazard evaluation will be a big help. It would be ideal if there is an internal team who can handle this 먹튀검증, otherwise, tapping external service provider will save the company precious time in identifying the hazards and evaluating the hazards. After which, identifying critical control points come in.

2. Identification of Critical Control Points(CCP)

This stage refers to steps that need to be taken to control the hazards or an assessment whether such hazard pose immediate risk to end user. Also, this step will involve the deployment of minimum or maximum cap for processing characters (i.e. pH, chlorine levels salt, temperature) level, time, etc.) to contain the hazard. Such CCP limit will determine the subsequent steps to be implemented, with the end goal of controlling impact on the product.

3. Establishment of Critical Limits

Setting benchmark for every CCP should be the next stage. Parameters need to be identified and established, including minimum temperature and other factors. The team must be aware also of limits set by regulatory authorities covering the control point.

4. Establishment of Control Plans

Processes need to be measured at the CCP and must be duly recorded to establish the fact that critical controls have been established. Decision makers need to ask themselves if round-the-clock monitoring of the CCP is required or what measurements must be put in place to reach a confidence level that everything is being supervised. Such monitoring will determine the success of the HAACP system and can either be done through physical quantification or observations, which will guide in the decision-making process when things go awry.

5. Establishment of Corrective Steps

Steps must be established way ahead in anticipation of non-compliance to critical limit. The goal is to ensure the probability of releasing an unsafe product is eliminated. A process evaluation will establish the main source of the problem and its subsequent elimination. The approach is two-pronged: control of products that failed oversight, and elimination of the nonconformity and prevention of a repeating occurrence.

6. Establishment of Verification Plans

Validating the HAACP plan is the focus of this step. This will also involve checking the system if it is being implement according to the agreed plan, such as calibrating instruments as well conducting CCP audit, product testing, and prior shipment review. Also, these activities will exclude monitoring.

7. Establishment of Reporting and Certification Plans

Recording information to establish that there is indeed production of safe product is an instrumental element of the HAACP system. Details of the recording include the HAACP plan itself, the personnel behind the plan, hazard assessments, flow charts, monitoring plan, critical limits, actions taken, procedures, and verification steps.


Nausea As the Traditional Verification of Pregnancy

Since the time when cave men wandered the Earth and the time when man first set foot on the Moon, technology has been improving our lives and changing the way that we live and resolve problems, but human beings have changed very little. Over the last few centuries, scientists and medical men have improved the experience of pregnancy for most women by reducing risk to life and virtually eliminating pain. Despite the medical improvements, the woman’s body functions in its reproductive role as it has since before recorded history.

Less than a lifetime ago, before pregnancy testing kits became available at every corner drug store, the first public verification that a woman was “with child” was her daily bout with nausea early in the pregnancy. The onset of nausea also provided the mother to be with confirmation of her suspicions when she missed her last menstrual period. Morning sickness was Mother Nature’s way of announcing to the world that a brand new human being was under construction. It was a harbinger of happiness or dismay, depending upon the mother to be’s situation 먹튀검증. Despite the advances of pregnancy detection kits, it remains as a recognized public announcement today.

The ancient Romans recognized the onset of nausea as the start of the second stage of pregnancy, which began about six weeks after conception. This second stage was a four month period that was characterized by nausea and morning sickness, upset stomachs, and cravings for unusual foods. This does sound strikingly familiar and so modern. Even during those ancient times, the remedies used for providing symptomatic relief were not so different from those remedies practiced today: eating foods in small portions throughout the day, eating only easily digested foods like soft boiled eggs, and drinking lots of liquids in small amounts. In spite of the fact that Rome of that day ruled the world over one thousand years ago, traditional home remedies for morning sickness and nausea remain the same.

Today, if a woman wishes to determine for sure whether or not she is pregnant, she can purchase an easy-to-use pregnancy testing kit at her local pharmacy and find out in the privacy of her own home. As with the women in ancient Rome, her first suspicion will be that first late period which never does come. The pregnancy kit confirms her suspicions. Her final verification about her condition will be, as it was for the women of Rome, the onset of nausea and other symptoms of morning sickness. Modern fathers will learn in much the same way as the Roman fathers, by the retching sounds coming from the bathing area.

Thanks to technology, the way we detect pregnancy and assist women in childbirth has reduced much of the danger and discomfort that had been associated with pregnancy in past generations. Yet, the ultimate verification of the pregnancy continues to be the natural occurrence of nausea and morning sickness – Mother Nature’s harbinger of new life.


Top Natural Remedies to Fight Dry Winter Skin and Hair

Dry winter air and harsh temperatures zap moisture from your skin, leading to chapping, irritation and dryness. An estimated 81 million Americans are impacted by dry, scaly, itchy skin in the winter, with the worst coming between the months of November and March.

Many turn to topical moisturizers to help, but while they may offer some short-term relief, they often contain chemicals that do not belong in your body. For instance, 36 percent of facial moisturizers and 34 percent of body lotions tested by the Environmental Working Group were found to be contaminated with a cancer-causing toxin called 1,4-dioxane, which readily penetrates your skin every time you apply it.

There are natural topical options – coconut oil makes a particularly good moisturizer for your skin – but even better are the natural tools that can support your skin at the cellular level, helping to protect, restore elasticity, increase hydration, promote smoothness and more…


Exposure to ultraviolet light (UV) from the sun (the sun is still bright even in winter) as well as pollutants in your environment contribute to the formation of free radicals, which take a toll on your skin by damaging DNA and promoting the formation of age spots and wrinkles. Antioxidants help to prevent and repair free radical damage to your skin (and elsewhere in your body).

While dietary sources of antioxidants (fruits, vegetables, green tea) are crucial for skin health, there may be some benefit SkinCell PRO in applying them directly to your skin as well. Those that are particularly important for skin health include:

  • Vitamin A: When applied topically, vitamin A may help reduce wrinkles, smooth out roughness and help fade brown spots.
  • Vitamin C: Fights free radicals that may cause wrinkles and sagging, and helps protect your skin from UV damage.
  • Vitamin E: Both dietary and topical vitamin E helps your skin to keep its natural moisture, making it key for fighting dryness. Vitamin E also helps neutralize free radical damage from UV exposure, especially when combined with dietary vitamin C, helping to reduce irritation.3
  • Green Tea: This natural beverage is a potent source of antioxidants, including the polyphenol EGCG. Not only does EGCG help to eliminate free radicals, it also helps to rejuvenate your skin by re-activating dying skin cells. Researchers have compared it to a “fountain of youth” for your skin cells.

Essential Fatty Acids

Essential fatty acids (EFAs) are healthy fats your body cannot make on its own, so you have to get them from dietary sources. They play an important role in the health of your skin cells and are necessary for both proper skin cell function and appearance.

Fatty acids, for instance, keep your cell membranes healthy, which is the key barrier that not only keeps water and nutrients in (leading to more hydrated, elastic, softer skin) but also allows waste products out.

Further, people with a fatty acid deficiency are more likely to have dry skin, as well as increased water loss across their skin. So if you want to maintain moisture for the winter, making sure you’re getting enough EFAs is essential. Look for:

  • Omega-3 fats, found in fish, such as salmon and sardines, and fish oil
  • Gamma-linolenic acid, such as evening primrose oil

Minerals: Zinc and Selenium

Just as your skin needs antioxidants and vitamins, it also needs minerals, such as zinc. Your skin is in a constant state of renewal, and it needs zinc to help support this process. Your skin takes an extra beating in the winter, which is why including lots of zinc-rich foods in your diet (oysters, pumpkin seeds, beef, crab, lima beans, chick peas) is so important for healthy skin repair and regeneration from the inside out.

Selenium is another mineral to focus on in the winter, as it is a free-radical scavenging antioxidant that can protect your skin from damage as well as help with tissue elasticity. Just a few Brazil nuts a day will give you your recommended selenium intake (or try shitake mushrooms, salmon, shrimp, eggs and garlic).


Play Online Slot Casino – Tips to Increase Your Winning Chances

Online slot casino is referred as the most haphazard game of chance enjoyed by most gamers based world wide. Gambling being a wonderful option to make money, every player desires to become rich through it. However, not all players can get lucky as some may end up losing everything. This is where comes the importance of knowing which game to select, when to start playing and how much should a player bet and lastly when to stop.

The online games slots form to be a fun selection for all those players who do not have a lot of spare cash with them to play. To most players, online slot casino game is a relatively secured alternative. It is an easy game that does not require any guesswork or technique of any kind. However, you have to ensure to follow certain important steps that will help you to come out winning a jackpot while playing.

If you look to grant a chance to online slot casino machines, then you can consider few tips that will help you to earn more. Thus, in the following lines, you will come across few essential tips that will help you to increase your overall winning chances at online เกมสล็อตออนไลน์ slots. These include

Setting up your bankroll:

Online slot casino being a popular game of chance requires setting up of bankroll well in advance. If you set your bankroll from before hand, it will be helpful for you not to get involved in the thrill of playing the online slots. Remember being disciplined will help you to a great deal. It will not make you fully engrossed with the gaming excitement rather than help you to do certain calculations from before.

Knowing your machine:

Most players are found to make a common mistake in the game of slots. For example, most players set out to play without prior calculation of certain important factors. These kinds of players are found to play without realizing that they actually have not placed the right number of coins in order to get the best payout. So ensure not to make a mistake the next time you play online.

Opt for the possible highest paybacks:

Slots being the game of chance you should always look out for the biggest ever payback when you play it. Players will include far much better winning chances when the payback percentages are found to be bigger. Most online casinos usually offer payback “between” 75% to 97%.

You should always look for those casinos that offer online slot casino games with over 97% as their payout. This is a simple strategy if slot payouts are more it automatically increases your opportunities of winning to a great extent.

Play for maximum coins all time:

The casino payback percentages present in the online slot casino are usually calculated to have the jackpot amounts. The jackpots are basically paid on the maximum coins, which are played and this become the main incentive for playing the maximum coins.

Online slots being the game of chance, a jackpot forms to be the main fun of it. In most cases, slots jackpot can become all the more life changing offering players the opportunity of playing with maximum coins.


Online Slot Machines Is Becoming More Popular Every Day

SlotXO has been the leading online casino for many years. Which has always been considered as budget-friendly and you’ll definitely have a great experience too. Unless you get lucky enough in gambling, you already know Or if any site is a scam. And definitely has the most loyal members in the world of the highest slot casino.

slotxo สมัครเล่นง่ายได้เงินจริงกับสุดยอดเว็บพนัน -  แหล่งรวมเกมและเทคนิคการเล่นสล็อต เกมยิงปลา

The thing about online gambling is that you need to have luck on your side and slotxo fits this description perfectly. As long as you play slot games in slot games, you can be sure to win big. As long as there are slot games being played, there will always be someone who would want to take your slot money. If this is you, then online gambling is just perfect for you.

Now, let’s admit it – yes, there are a lot of scammers in the Internet. It seems like almost every search engine you do will pull up spam sites that promise to make you rich overnight with no effort SLOTXO. And this is one of the major reasons why a lot of people are apprehensive about playing online slot games. But with slotxo, these fears have gone away. Now, playing online slot games will bring you financial freedom and a chance to be your own boss.

Playing online slot games has brought benefits not only to casino owners but also to slot players. If you’re looking for a way to earn extra income while staying at home, then by all means play slots. What you need to do first is to learn how slot machines work. You don’t really have to memorize any pattern on how they work – all you need is to know their basic functions.

First, online slot games include various progressive jackpots. These progressive jackpots can reach millions of dollars. There are basically two types of progressive slots – straight and mixed line. The straight slot machines include random number generators that come up with different numbers each time the button is pressed while the mixed line features re-routable numbers.

With online slot games, you can switch from straight and mixed line slots to any other type of slot machine. There are literally tons of different slot machines in online slot games – all of which offer various advantages and bonuses for the players. Some of them include bonuses that feature cash bonus, credits, and spins while others simply feature game points or coins that accumulate and can be exchanged for prizes or other things such as cash. In some cases, online slot machines include slots that allow you to transfer your winnings to cash while others will award you with coupons, gift cards, and other things.

When you play online slots, you need to remember that there is always the chance that you will lose more money than you would win. Because of this, it is important that you treat slot games with some degree of caution. Although there are some people who claim that online slots are easy to play, you still need to be cautious when playing these slots. Online slot machines are not suitable for those who are new to gambling as they can often result in losses that may even bankrupt you.

However, if you are careful and do not let fear ruin your fun, then online slots can be a great way to pass the time while at the same time enjoying the variety that this type of gambling offers. In addition to having a lot of fun, online slot games also provide many benefits such as allowing you to stay at home and play rather than having to drive back and forth to a casino. This means that you can enjoy a game from the comfort of your home with no additional costs to pay. With all of the benefits that online slot games offer, it is hard to imagine why anyone would choose traditional slot games over them.


Online Gambling in Atlantic City

For better or for worse, online gambling is coming to New Jersey.

In late February, Chris Christie officially signed into law a bill that legalized internet gambling in Atlantic City.

Initially the bill was vetoed by the Governor because of issues surrounding transparency and taxes. Lawmakers adjusted the text and the amended bill passed by an overwhelming majority in the legislature and earned Christie’s seal of approval.

Here are the basics of the bill:

– Casinos located in Atlantic City will be able to apply for a license to offer online gambling. Only the twelve official Atlantic City casinos will be eligible for the license. No other organizations can offer internet gambling, and face stiff fines if they do สล็อต. All facilities used for the operation of internet gambling must be located within city limits; only bets that are received by a server in Atlantic City will be legal.

– Players must be “physically present” in New Jersey to place wagers. In the future, New Jersey may develop agreements with other states where internet gambling is legal to permit out-of-state gambling. The casino’s equipment must verify players’ locations before accepting wagers.

– Any games available to play in the casinos can be played online. (For comparison, Nevada only allows poker.) As of now, sports betting will not be protected by this bill, although the state of New Jersey is trying to fight the federal statute barring the legalization of sports betting.

– The bill has all kinds of provisions to keep gambling addiction at bay, such as requiring the prominent display of the 1-800-GAMBLER hotline number, a way to set maximum bets and losses over a certain period of time, and tracking player losses to identify and limit users who may demonstrate addictive gambling behavior.

– Revenue from online gambling will carry a 15% tax. The Christie administration states that about $180 million in revenue for the state will be generated from this tax, but some analysts think this number is seriously overestimated.

The official regulations, which the bill required the Division of Gaming Enforcement to produce, were released on June 3, and are subject to a “public comment period” until August 2 before being finalized. These rules include details such as how a casino acquires the appropriate licenses and procedures for maintaining network security on gambling sites.

So, will online gambling actually benefit the state?

The Good

Revenues from Atlantic City casinos have been on the decline for the past seven years, and online gambling could be what saves the failing casinos. Since 2006, casino revenue has dropped from $5.2 billion to around $3 billion. Online gambling could be a $500 million to $1 billion industry in New Jersey, which may be enough to keep struggling casinos afloat and save jobs in Atlantic City. Further, even though estimates of tax revenue are all over the map, there is potential for online gambling to be a considerably valuable source of money for the state. The casinos will also have to pay a tax to the Casino Reinvestment Development Authority, which will provide further assistance to struggling casinos in Atlantic City.

For the player, low overhead costs mean better prizes and more opportunities to play. Casinos can incent players with free “chips” that have minimal costs for them but give players more opportunities to play and win. The convenience of gambling online allows players to play more with less travel.


One of the goals of the bill is supposedly to attract more people to visit the brick-and-mortar casinos, but it is hard to say if online gambling will actually lead to this outcome. One could speculate it could even cause people to go to the casinos less (However, this seems unlikely; the social element and the free drinks are lost in online gambling. Also, research indicates that, at least with poker, internet gaming does not reduce casino gaming.) Advertising for the host casino will be allowed on the online gambling sites, which could possibly encourage people to visit the casino but could also be annoying for players.

Online gambling could be seriously devastating for people who have gambling addictions, or even cause people to develop them, raising financial and moral concerns. Even with all the preventative steps the bill requires, it will definitely be much harder to cut off compulsive gamblers if they can place bets anywhere with an internet connection.

Regardless, it is going to be a while before the casinos can actually kick off their online gambling offerings. The regulations need to be finalized and casinos need to apply for licensure and develop their gambling websites. This means the casinos will not be enjoying this new source of revenue during the 2013 summer season, which could be Atlantic City’s toughest season ever following recovery from Hurricane Sandy.