An Unconventional Guide to Paying for College

Staying Away From Debt in College – A How To Guide

Posted by on Jan 24, 2019 in Getting Started | 0 comments

debt in college

Life in America is more expensive than it ever has been. Food, healthcare, transportation – the costs of these necessities and others have shot up considerably over the past generation while wages/salaries have remained stagnant.

This hasn’t stopped Americans from living their best lives, though. Where incomes are not able to afford things outright, credit cards have filled the void. Near zero interest rates and subprime mortgages/car loans have convinced people to buy properties/vehicle they couldn’t otherwise afford.

Similarly, easy access to student loans has helped young people to overcome the soaring cost of education.  Costing less than $1,000 USD/year in 1980, today’s students shell out more than $20,000/year on average. If education tracked inflation, students would be paying approximately $2,100/year to go to school.

As a result of this lofty numbers, many students graduate with five or even six-figure debt burdens. This is a troubling trend, as student loans are exceptionally difficult to discharge through bankruptcy. In this post, we’ll define the student debt problem, discuss ways to keep this number low, and you can pay down your balance as quickly as possible post-graduation.

College has never been tougher

Unless you have wealthy parents, you’ll probably have to apply for a student loan. The days when you could pay for your tuition by working a summer job are long gone – average tuition costs at public universities have now crept above $10,000/year. Good luck finding a gig that pays $2,500 per month, never mind one that allows you to save that amount.

The stakes have never been higher. The employment market, despite low unemployment rates, is a tough one, as Millennials and members of Generation Z are competing for an ever-shrinking number of lucrative positions in fields like tech and engineering.

Unsurprisingly, students are under an enormous amount of stress these days. They devote as much time as possible to their studies, only taking time for extracurricular activities that complement their resume. To score a decent-paying entry-level job, getting top grades is a must.

Those who miss out are left to take whatever jobs they can find. Many of these positions are only available on a contractual basis, are poorly paid, offer few (if any) benefits, and have schedules that don’t guarantee set hours from week-to-week.

These are just a few of the factors working against students nowadays. Yet, given the paucity of opportunities for those with high school diplomas, many young people feel like they have no other choice but to take on a five or six-figure debt load – and hope it all works out in the end.

Keeping the debt monster in check

So, you need to take on debt to finance your post-secondary education. This doesn’t mean you are doomed to a life of wage slavery, though – by adopting a few crucial habits early on, you can avoid drowning in an ocean of red ink after college.

(1) Avoid credit cards – Avoid credit card peddlers like the plague. These predators lurk in student centers and unions at the start of every school year, hoping to prey on the ignorance of those who lack life experience.

Listen – you’re already tens of thousands of dollars in the red. Going deeper in the hole will only make things worse. When you look at the fine print, you’ll find that these cards charge absurd interest – 20-30% annual rates are not uncommon.

Fail to pay off your balance once (one crazy night at the bar is all it takes), and charges will add up faster than you could ever imagine. Live within your means – if you don’t have the cash for something, don’t buy it. 

(2) Get a part-time job – As discussed earlier, some students feel the need to devote themselves fully to their studies. As a result, they don’t think they have room in their schedule to accommodate a part-time job.

It’s possible to excel in your studies, belong to a club, and be employed – it’s all in how you manage your time. Parkinson’s Law states that any task will expand to fill the time frame allotted for its completion. Working 15-20 hours per week will limit the amount of time you have to write papers, do homework, and study, forcing you to focus on the essentials.

This will not just improve your finances, but your grades as well. According to a study conducted by the Bureau of Labor Statistics, students who worked 20 hours per week or less logged an average GPA of 3.13, compared to the 3.04 achieved by their jobless counterparts.

Pair that with the $150-$200 per week a good part-time gig can get you, and you’ll get through college in better shape than many of your classmates.       

(3) Refinance your loan – Most young people have little to no credit history. As a result, interest rates charged on student loans can be shockingly high. Fortunately, this can be fixed soon after graduation; about a year into your first job, shop around for a financial institution that will refinance your student debt. Having your rate dropped from 6% to 4.5% will save you about $750 per year in interest payments, amounting to $15,000 over a 20-year repayment period.

Good habits key to a prosperous future

Adopting solid financial habits in college will set you up for the rest of your life. By keeping yourself busy in school, you won’t be fazed by work projects that overwhelm many fellow entry-level workers. This will help you stand out to your superiors, paving the way for a promotion early in your career.

Additionally, there is enormous pressure to keep up with the Joneses post-college. By resisting the temptation to have the latest cars, clothes, and gadgets, you’ll have all the money you’ll need to pay off your student debt ahead of schedule.

Habits, good or bad, have a ripple effect. By sowing the seeds of responsible time & financial management, you’ll reap a bountiful harvest in the years and decades to come.

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How to Start Your Own YouTube Channel and Make Money

Posted by on Dec 20, 2018 in Featured, Getting Started | 0 comments

youtube logo

Finding a job that works around a crazy college schedule can be difficult. But many students need the extra income to help cover tuition, books and other living expenses while in school. Many have taken to the idea of work that has flexible hours and the ability to work at home or on the go. Several different options are out there for the taking for just about any college student or individual willing to do some work to make some money. Some people have opted to use their cars as a means for making money through Uber or Lyft. Another option is to blog or create a YouTube channel. These two options are similar in their means that they can be done anywhere and at anytime. YouTube provides an easier platform for gaining an audience, since people will use YouTube like Google as a search engine for videos.

Finding a Niche for Youtube

You have decided to create a YouTube channel to help cover costs of school, but you need to find an idea that you are capable of doing with little to no research. Something you can record and do on the fly… There are tons of ideas out there already! Just because the idea is taken absolutely does not mean you can not copy it and create your own audience. With personality and a good idea people will watch your channel. Where there is an audience, money can be made! If someone else has already done it, it can make it easier for people to find your channel while they are searching for the other popular channels.

Popular ideas for starting your own channel include:

Live streaming of video games: Gamers will watch other games, just like people watch football on Sundays. It may seem strange but it’s true.

Bloopers: Video yourself trying new and strange things or products some may be successful ventures, but the ones that will get you the most views are the ones with unfortunate mishaps.

Cooking: Young people no longer have access to home ec. classes and people now use YouTube videos to learn how to cook. This gives you three different options a day seven days a week as chances to build your portfolio on your channel by recording what you were going to do anyway: cook and eat!

Your audience is worldwide, and the ideas are endless! The ability to work from home or anywhere is great! However, as any successful entrepreneur will tell you, the work can take over. While you can work anywhere anytime, it doesn’t mean you should or have to. Many entrepreneurs find themselves working 80 hour a week for themselves instead of setting limits. While you CAN work anywhere and anytime it isn’t always the best way to get ahead. Working for yourself can also be lonely, while many people are watching you, you actually aren’t getting real social interaction that you need to maintain a healthy lifestyle. Be sure to get out of the house, your basement, your office or where ever you record and enjoy life outside too!

Once your channel starts getting views and then you can eventually start earning an income. You can do it through advertising, subscriptions, selling your own merchandise et al. Your channel can be a great source passive income on past work, but you want to keep moving forward because the fad of your channel may lose its luster and the income could eventually dwindle away. It is rare that people become multi-millionaires through their channels, but don’t let that deter you from trying to get a piece of the YouTube pie!

Some notable success stories that you may not have heard of with success with YouTube and beyond are:

Blippi

Blippi: This guy started making videos for toddlers back in 2014. He shows them places to play and how to play. Stevin John is Blippi and discovered that his nephew was watching low budget and low quality shows on YouTube and wanted to create something fun for him to watch. His desire to provide entertainment for his nephew grew to 2.8 million subscribers and has been viewed over 2.34 billion times!

His background in online marketing and digital creation has definitely paid off! Now instead of a one man show, he has a team of people behind Blippi helping him make his videos. He has not lost that touch even after great success for engaging children in watching him on his channel. He is like the modern day Mr. Rodgers for kids who grew up in the 70’s and 80’s. He talks to you as if you are with him and takes you on his adventures. As a well loved child character he is regularly requested as a character to meet with Make-A-Wish Foundation. All of this in only 4 years!

Ryan Toys Review

Ryan Toys Review: Ryan is a young child and his parents record him opening and playing with new toys. Thus, giving the public an honest review of toys from a child’s perspective. Ryan Toys Review started back in 2015, Ryan asked his mother why he wasn’t on YouTube when there are so many other kids that are on YouTube. She soon decided to leave her full time job as a chemistry teacher to work on building Ryan Toy Review. Clearly a good financial decision as of December 2018 the channel has seventeen million subscribers and the channel videos have been viewed over twenty-six billion times.

The channel is ranked as highest paid YouTube channel for 2018! They only just started this 3 years ago. YouTube was a lifestyle changer for their entire family. They have now brought in his twin sisters to help review toys and doing regular child friendly videos.

Philip DeFranco

Philip DeFranco: This guy records himself talking about what he has read in the news and his personal reactions to it. With a totally different audience than the two previously mentioned YouTubers, DeFranco started his channel back in 2006. His subscribers are much older than the other two YouTubers, but this could also be because adults are much more likely to remember video channels without having to ‘subscribe’ to them. He has 6.32 million subscribers and has been viewed 2.51 billion times.

He has been nominated for numerous awards and even won some as well, like Sexiest Geek in 2008 by Wired and a regular nominee and winner for the Streamy Awards from 2010-2018. He won in categories Best News Series, Best News and Culture Series, Audience Choice for Best Series of the Year, and News and Current Events.

Each of these people once all started exactly where you are today. Their education and backgrounds did not impact their desire to build an audience and build it. The old saying ‘If you build it they will come’ if definitely true if you have a good idea and can deliver it in a way that your audience will want to watch! They wanted to make some extra money and be in control of their project. Anyone can start a YouTube channel. You don’t have to be skinny, beautiful or even talented! You simply need a good idea and a personality that people will enjoy watching. If you are an amateur baker learning step by step or if you are just talking about what upset you in the news today. People will watch! So get started today, and yes there is a video on YouTube on how to get started on YouTube!

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How to start a freelance business the right way

Posted by on Oct 23, 2018 in Getting Started | 0 comments

freelance business

The typical 9-5 office job lacks the glamour it once had. It once provided the income, prestige, and fulfillment that once defined the American Dream – not anymore. These days, stagnant salaries, 12-hour work days, and piles of soul-crushing work are becoming the norm.

Is that all there is?

No. There are people who still enjoy their careers in 2018, but many have chosen to build theirs from the ground up. The freelancing revolution is in full swing – by 2020, 43% of all workers in America will be self-employed.

Want to join them? Below, we’ll talk about everything you’ll need to address before you can make your favourite coffee shop your new office.

Find an overlap between your skills and what the market needs

Writing, graphic design, web development – these are just a few areas in which you can specialise as a freelancer. To succeed, though, it is vital to research your target market’s needs. Or maybe you like being in front of a camera and create a Youtube channel.

If hundreds of writers in a specific region are churning out the same content, it will be tough for you to make ends meet.

On the other hand, finding someone who writes quality ad copy can be difficult. Specialise in this niche, and you will be able to earn much more per project than lower skilled writers.

Whether it is writing technical documents for oil & gas companies, coding SaaS apps, or creating covers for e-book authors, a lucrative income can be found at the intersection of your skill set and the needs of the market.

Name your price

The temptation to undercut the competition can be overwhelming – don’t do it. First, most established freelancers are too well-connected to worry about having future work opportunities ‘stolen’ from them. Second, underpricing oneself can create a poverty trap that can be tough to escape from.

To figure out a fair rate for your skill set, research the websites of colleagues who do similar work. If their fees aren’t displayed, contact them as a ‘customer’. This may feel awkward but remember – successful freelancers get dozens of e-mail messages every day.

You will be far from the first person who ghosted them after sending over their rate card. If this bothers you, be transparent about your intentions – many freelancers are happy to help out their brethren.

Create a high-quality website

It is not enough to be on social media. A website gives self-employed professionals a platform to sell themselves to clients around the world. On it, you can break down the services you offer, showcase your work in a portfolio, display testimonials, and more.

Don’t think you have the technical prowess to set up a website? It has never been easier for everyday people to get their own web portal up and running thanks to WordPress.

Web hosts like Bluehost and HostGator offer a streamlined installation process that usually takes less than five minutes – you don’t need to be a nerd to set up a website these days.

Can’t afford to set up your own domain? Establish a web presence for free on WordPress.com or Blogger. While we recommend having your own space, this is a quick way to get on the web for no cost.

Once you are ready to show your site off to the world, optimise your site’s SEO, buy some Google Ads,  get on social media, and print business cards – these steps and others will make it easier for clients to find your home on the web.

Learn about taxes

taxes

As an employee, taxes are something you never have to think about. Every two weeks, the payroll department automatically deducts local and federal taxes, as well as entitlements. When you work for yourself, though, this responsibility falls squarely on your shoulders.

A newly-minted freelancer’s first tax season can be a painful one; not because of the amount they owe, but because they forgot to budget for it in the first place.

Make an appointment with an accountant before sending out a single invoice. They will educate you on the records you’ll need to keep, quarterly filing dates (if applicable in your area), tax breaks, and so on.

At minimum, calculate your effective tax rate and deduct this amount from your daily gross earnings. At month’s end, transfer everything that is owed into a segregated savings account. This way, you’ll avoid spending money that isn’t yours.

Prospect for clients

Now that you’ve learned how to set up, market, and run your freelance business, it’s time to get some clients. With any luck, some may have already reached out via your website. If not, it’s on you to find them.

But before calling or e-mailing every company in your area, take a second to think about the work you want to do.

You may be an ace at building websites, but if banking bores you to tears, taking on clients in finance might not be the best idea. If you constantly check out houses on your morning jog, though, designing sites for real estate agents might be a better fit.

Next, draft a solid pitch. Feel free to reuse it for multiple prospects, but leave plenty of room for customisation – nobody likes to receive a generic pitch e-mail they’ve seen dozens of times before.

Cut to the chase – quickly explain what skills you bring to the table, as well as the specific value you intend to deliver.

Keep a record of every business you contact. This way, following up unanswered pitches becomes easier. Most successful entrepreneurs are busy – sending them a gentle reminder two weeks later will increase the likelihood of a reply.

Cut the cord

Unless you have six to twelve months of expenses saved up, we don’t recommend quitting your job to start a freelance business. Instead, leverage your free time outside of work to build your practice on the side. This way, you’ll avoid having financial stress influence your decisions.

Once you have built up an income you can live on (as well as the six to twelve-month buffer mentioned above), schedule a meeting with the boss and turn in your two-week notice – the real work is about to begin!

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When Should College Students Start Looking for Their “Adult” Job?

Posted by on Jul 13, 2017 in Getting Started | 4 comments

Adult job

It’s something that every college student starts to stress out about during their educational career – when do you start to look for your first “adult” job? The job search can be incredibly time consuming and overwhelming. Many students might feel discouraged by their prospects, or maybe they’re expecting a job to fall into their lap just because they’re on their way to earning their degree. However, especially in today’s world where it’s not always what you know but who you know, job searches are much more about networking and pursuing opportunities with people you know or could potentially be introduced to. So, knowing that your job hunt might take a little longer, do you start to look for an “adult” job while you’re still in college? Or do you wait until you’ve graduated and have your degree in hand?

The Difficulties of Job Hunting

We live in a very connected world. Even if you’re able to find a job posting on a website or in the paper, it’s likely that the poster already knows several people or can be introduced to several people who are the ideal applicants. However, don’t allow yourself to be consumed by the doom and gloom rumors that all college graduates struggle to find a job. In fact, only 2.5% of college graduates are unemployed as of a January 2017 survey. That doesn’t mean the job search is easy or that there are jobs out there that are a perfect fit for everybody, but there are ways to deal with the difficulties of the job hunt.

It may be tempting to put off your job search until after you graduate. Logically, this might appear to make sense. Ideally, if you focus your time while in college on your studies, your grades will be better. Better grades mean a higher GPA, and that should mean a higher likelihood of finding an amazing job after you graduate. This logic is faulty. While GPA is a factor, most places of employment aren’t going to be scrutinizing your college transcript. Just seeing that you earned a degree is usually enough to qualify you for employment (unless, of course, you’re going into a very high tech or niche-specific field).

If we look at how job hunting works these days (78% of college graduates say that networking played the largest factor in finding a job after college), we know one thing for sure: it’s time consuming. So, the right way to go about your job search is to start as early as possible while you’re still in college. This will ultimately save you money in the long run because before any student loans or hefty post-college living expenses kick in, you’ll already be squared away with a salary-earning job. If you wait to start job searching until after college, it’s likely you’ll take a bit of time to do so. During this time, you won’t be earning money, you could potentially be going into debt to pay for your lifestyle, and you won’t be putting any money towards student debt, savings, or retirement funds.

Timing & Experience

Timing is, in this case, the most important factor in finding a job. You never know who you’ll meet at a career fair, at a panel interview, or during a networking event, and you can’t really orchestrate the meeting with your ideal employer. These chance meetings aren’t premeditated. This is the reason you should start hunting for your job early on, to increase your likelihood of being in the right place at the right time. Of course, timing these meetings or being able to bump into someone who wants to hire you in the right place at the right time isn’t easy – if only because it’s mostly outside your realm of control. Regardless of how difficult this seems, keep pressing on. Continue to apply, send emails of inquiry, and attend networking events to maximize the time you’re spending on your job hunt.

Experience is also a critical factor in your job hunt. It can be frustrating for college students when it seems like all entry-level jobs have a high experience requirement. One way to circumvent this is by attending events within the industry you’re interested in.

Get involved early – a year or more before your expected graduation date with volunteer work, internships, networking events, and more. Although you’re a full-time student, this involvement will show very clearly that you have experience in the industry, know about the employers you’re speaking with, and you’re ready to jump into the workforce after you graduate. The job search is a stressful time, but it’s also an exciting time! Take advantage of events in your area to put yourself in front of the people you want to work for and eventually you will be working for them after you graduate!

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How to Travel Abroad for Cheap as a Student

Posted by on May 16, 2016 in Getting Started | 0 comments

asdasdOne of the biggest myths pertaining to travel is that it has to be expensive. The key to traveling on a budget as a student is to know what to spend your money on and what you should be not spending your money on. If you master this, you will be able to see double the locations in your travels. Here are my tips for how to travel abroad as a low-budget student:

  • The Hostel vs. the Hostal: For those going to the Spanish and Portuguese speaking world and do not necessarily want a low budget hostel, consider a hostal. Many non-Spanish speakers do not realize that a hostel and a hostal are not the same thing. A hostal in Spanish refers to a family owned bed and breakfast that is safe and economically. Additionally, these will give you more interaction with the locals. For example, in Madrid, one can get a Hostal for 25 Euros per night with a private room and bath that is one block from the Plaza Mayor. This is a hidden way to have the low-budget travel experience without having to stay in a room with six bunk beds.

 

  • Consider the Budget Airlines: If you are going to Europe or Southeast Asia, do not be afraid to go on the budget airlines. The key to be careful is with your luggage. Ideally, only bring a backpack and then you will not have to pay to check your luggage. Also, always print a physical copy of your boarding pass in order to avoid the fee by the airline. If you use these sometimes you can get a $1 ticket from Marseille to London or a $200 flight from Kuala Lumpur to Paris. Yes, these deals do exist and with a little creativity and intelligence, you will surely find them.

 

  • Hop-On-Hop Off Bus: These busses are in most cities that range from Europe to African cities. Where they are beneficial to a young traveler on a budget is that they eliminate transportation costs during the day that can save a great deal of money. For example, in Berlin or Cape Town, the sites are very spread out. What is best is to buy the unlimited one day or two-day pass for a set price and use the bus to get to the main sights. Usually, the bus will be positioned to hit the major points of the city and will allow you to get the lay of the land before going off on your own.

 

  • Look For the Menu of the Day: In many European countries they have lunch specials that include an appetizer, entrée, dessert, and a soda or glass of wine. Usually, you can find these specials for 10 EUR. This allows you to eat better, try the local food, and even wine taste in the process. Thus, avoid the fast food and get out there and eat good food for an affordable price.

What is important to remember as a student is that there is a cheap way to travel that is very different from traveling with your family. If you use this to your advantage, then you will absolutely be able to see a great deal of the world at a young age and add a great deal of depth to your life experiences.

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Gamble Smarter, College Boy!

Posted by on May 8, 2016 in Getting Started | 0 comments

Gambling is one of the worst thing you could do for your personal finances as a whole. Nonetheless of you are a student who is struggling financially, or a parent that has to bear the heavy costs of college enrollment. In fact, it is scientifically proven that the “problem gambling” group (people who gamble excessively to a point it has a tremendous financial and mental costs) mainly consists of poor individuals, so the fact you have little money in your possession doesn’t make you any less prone to become an addict.

The above is my “don’t gamble, kids!” disclaimer. I am by no means encouraging anyone to wager their money through gambling (ESPECIALLY if its against the law where they live).

satanofcards

After we have established the fact that gambling can be the root of all evils, we have to withstand the fact gambling is a highly popular recreational activity, and especially for college students who are able to set foot inside a casino for the first time in their life. Although they can develop issues as a result of uncontrolled gambling, it’s no less of a risk than cigarette or drug consumption which incredibly trendy at this age.

Below are 7 tips that will help you control your gambling spending, decrease associated fees, and improve your chances of actually winning something back.

1. Use a set budget

Easier said than done, I know, but you need to have a stringent budget for gambling purposes, else even a one wild night can cost you dearly. The budget should be a number that you would make you feel comfortable to lose in one evening, if you occasionally gamble (once every few weeks or more seldom than that). If your frequency is higher than that, you should decide on a weekly or a monthly budget, but that’s far more difficult to track.

The best tip I have for you is to use cash when you go to a brick-and-mortar casino, without a debit or a credit card. This way, you won’t be exceeding your limits even if you really, really, want to.

2. Spend time playing in demo mode

If it’s boredom that drives you into gambling, and you need endlessly click to slot’s re-bet button, why won’t you play online on demo mode without risking any money? Although it turns things from gambling to gaming, some people can get to similar levels of enjoyment from this activity without putting any money at risk.

3. Online casinos offers lower stakes

Playing online casino games for real money can be quite destructive because you cannot set limits in the same way you can when going to a land-based casino. It’s also a non-social activity, unlike going out to a casino with your mates, which has higher risks of becoming addictive (or so I believe, found no evidence to that). On the other hand, online casinos offer a lot more variety. Variety of games, variety of promotions, variety of competitions, and also variety of stakes. While the average US casino had a $1-5 minimum per hand in blackjack, online casino enable lowballers to wager as little as $2c per hand.

4. Avoid credit and payment fees on deposit

If you are going to a brick and mortar casino, do not use credit card to make payments for your chips as it will incur additional costs in comparison to cash/debit. If you are going to gamble abroad, do not exchange your money in the casino, as the exchange rates will be drastically worse to a standard exchange bureau.  If you are playing online, check the casino’s specific fees for usage of different payment methods, and consider using eWallets that sometimes have unique promotions of if you use them to deposit (eWallets you can use for gambling: Paypal, Neteller, iDebit, Siru and a bunchload more).

5. Utilize bonuses and loyalty club memberships

Online and landbased casinos will go above and beyond to preserve you as a customer. This is exactly why casino membership cards are so great – they accumulate bonus points that you can use in the bar, restaurant or on the felt! The same applies to online casinos. The more you play, the more of your bonus you redeem. The more you deposit, the more VIP points you accumulate. This is free money that you should use, just be sure to read the fine print and understand online casino bonuses can also be a hassle because they limit your withdrawal if you have won any money (until you have fully redeemed the bonus).

6. Focus on low-house-advantage games

If you are indifferent towards the gaming experience in a casino and just enjoy the thrill of gambling on money, why won’t you try games that you have better chances of winning at? Of course that in the long run, you will end up losing money if you play casino games*, but if you play a game like blackjack or baccarat, you are likely to consume your funds at a much more sufficient pace than with slots.

* If you specialize in games like Texas Hold’em poker you might end up even winning! This is not a casino game but rather a skill game with 10-20% lifetime winners (who made more money than spent). Same thing applies to sports-betting – if you are an expert punter using a sophisticated strategy, you might win in the long term.

7. Don’t play to win

If you want to have a night evening out (or in your dorms) playing casino games, do it for the sake of entertainment without telling yourself you can win, because you can’t. It’s not a question of luck, but rather simple statistics. With every single die roll, statistics balance out. If you are playing blackjack that has an advantage of about 0.5% against optimal strategy (assuming you do use it), that means that roughly 0.5% of the total turnover will be won by the casino. So if you bet $10 a million times, you should be  about $50,000. That all there is to it, maths. You can win on a single night, or a week, or a month or even a year, but you won’t be winning in the long term.

 

Hope this was helpful to you young gamblers. Just note that in the USA online gambling is not only prohibited but also quite impossible. Online casinos that accept Americans aren’t the ones you want to be wagering your money in. For concluding words, I will refrain from using the banal “good luck” wish, and just advise you to gamble responsibility.

 

 

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