Universal Life Insurance

Universal Life is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance charge, and any other policy charges and fees which are drawn from the cash value if no premium payment is made that month. The interest credited to the account is determined by the insurer; sometimes it is pegged to a financial index such as a bond or other interest rate index. The potential advantage of the universal life policy is in its flexibility and the potential for greater cash value growth if the interest rates offered outperform the insurer's general account (that whole life policy cash value growth is based on). Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible.

Mahjong

Mahjong, sometimes spelled Mah Jongg, is a game that originated in China, commonly played by four players with some three-player variations found in Korea and Japan. The four player table version should not be confused with the popular Western single player tile matching computer game Mahjong solitaire, which is a recent invention and completely different from the table game. Similar to the Western card game rummy, mahjong is a game of skill, strategy and calculation and involves a certain degree of chance. In Asia, mahjong is also popularly played as a gambling game though it may just as easily be played recreationally.

The game is played with a set of 136 tiles based on Chinese characters and symbols, although some regional variations use a different number of tiles. In most variations, each player begins by receiving thirteen tiles. In turn players draw and discard tiles until they complete a legal hand using the fourteenth drawn tile to form four groups melds and a pair head. There are fairly standard rules about how a piece is drawn, stolen from another player melded, the use of basic numbered tiles and honours winds and dragons, the kinds of melds, and the order of dealing and play. However there are many regional variations in the rules; in addition, the scoring system, the minimum hand necessary to win varies significantly based on the local rules being used.

All tiles are placed face down on the table and are shuffled. By convention all players should participate in shuffling using both hands moving the pieces around the table, loudly, for a lengthy period. There is no fixed rule on how to deal or how to treat tiles which flip over during shuffle, though possible solutions include turning back over the pieces at the moment they are seen, turning over all revealed pieces at intervals or doing so at the end of the shuffling and forming of the wall.

Each player then stacks a row of 18 tiles two tiles high in front of him for a total of 36 tiles. Players then push each side of their tiles together to form a square wall.

The dealer throws three dice and sums up the total. Counting counterclockwise so that the dealer is 1 or 5, 9, 13, 17, so that south is 2 or 6, 10, 14, 18, etc., a player's quarter of the wall is chosen. Using the same total on the dice, the player then counts the stacks of tiles from right to left. Starting from the left of the stacks counted, the dealer takes four tiles to himself, and players in counterclockwise order take blocks of four tiles until all players have 12 tiles, so that the stacks decrease clockwise. Each player then takes one last tile to make a 13-tile hand. Dealing does not have to be this formal and may be done quite differently based on house rules.

Each player now sets aside any flowers or seasons they may have drawn and takes replacement pieces from the wall.

The dealer takes the next piece from the wall, adds it to his hand. If this does not complete a legal hand, he then discards a piece throwing it into the middle of the wall with no particular order in mind.

Local play on the street in Lanzhou

Each player takes a turn picking up a tile from the wall and then discarding a tile by throwing it into the centre and, if desired, announcing out loud what the piece is. Play continues this way until one player has a legal hand. At this point a player will call out mahjong and reveal their hand. There are four different ways that this order of play can be interrupted which is mentioned below.

During play, the number of tiles maintained by each player should always be thirteen tiles meaning in each turn a tile must be picked up and another discarded. Not included in the count of thirteen tiles are flowers and seasons set to the side and the fourth added piece of a kong mentioned below. If a player is seen to have more or less than thirteen tiles in their hand outside of their turn they are penalised.

Poker Jacks or Better Draw

Draw Poker Jacks or Better

Draw Poker Jacks or Better is played with a standard 52-card deck and one Joker. The Joker may be used as an Ace or as any card that completes a straight, flush, or a straight flush.

Players are dealt five cards face down, one at a time, in rotation. A round of betting begins (check, bet, call, raise, or fold). A player's hand must qualify with a pair of Jacks or better (higher) to open the pot. If no player has a pair of Jacks or better, the hand ends and the ante remains in the pot. A player who opens the pot must show openers, whether the hand is called or not, in order to win the pot. The remaining players may discard any number of their original cards and have the same number of cards replaced by the dealer. Another round of betting occurs. The player with the highest ranking five-card poker hand wins. Five Aces is the best possible hand (four Aces and the Joker). In the event of a tie, the pot is split equally.

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Twenty Gambling Questions

Did you ever lose time from work or school due to gambling?
Has gambling ever made your home life unhappy?
Did gambling affect your reputation?
Have you ever felt remorse after gambling?
Did you ever gamble to get money with which to pay debts or otherwise solve financial difficulties?
Did gambling cause a decrease in your ambition or efficiency?
After losing did you feel you must return as soon as possible and win back your losses?
After a win did you have a strong urge to return and win more?
Did you often gamble until your last dollar was gone?
Did you ever borrow to finance your gambling?
Have you ever sold anything to finance gambling?
Were you reluctant to use gambling money for normal expenditures?
Did gambling make you careless of the welfare of yourself or your family?
Did you ever gamble longer than you had planned?
Have you ever gambled to escape worry, trouble, boredom or loneliness?
Have you ever committed, or considered committing, an illegal act to finance gambling?
Did gambling cause you to have difficulty in sleeping?
Do arguments, disappointments or frustrations create within you an urge to gamble?
Did you ever have an urge to celebrate any good fortune by a few hours of gambling?
Have you ever considered self destruction or suicide as a result of your gambling?

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