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Slot machines are the most popular game in any casino. Sure, people bet more on the lottery, and the worldwide sports betting market is huge. But slot machines are the game du jour in most casinos, especially in the United States. Sadly, slot machines games also offer the worst odds in the casino except maybe for keno. BetUS is a fully licensed sportsbook providing a reliable and secure sports betting service to millions of satisfied online betting customers world wide since 1994. BetUS offers football betting.
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Slot machines are the most popular game in any casino. Sure, people bet more on the lottery, and the worldwide sports betting market is huge. But slot machines are the game du jour in most casinos, especially in the United States.
Sadly, slot machines games also offer the worst odds in the casino except maybe for keno. The compounding effect of making hundreds of bets per hour at the slots make these games a bigger moneymaker for the casino than keno.
There’s no science to playing slots. You put your money in, spin the reels, and hope for the best. The only decisions you make are which game to play and how much to bet.
This post covers how much you should bet. You’ll often hear so-called gambling experts say you should always place the maximum bet on slot machines. Play games win cash instantly.
This isn’t true for most games.There Are Two Kinds of Max Bets on Slot Games
You’ll only find one “Max Bet” button on a slot machine game, but some games allow you to adjust the number of paylines you bet on. These are older games. They preceded the guaranteed “243 ways to win” games.Best Bet SlotsMany of the slot games that use configurable paylines have 20 to 50 paylines. You can turn them all off but one.
The first time I saw one of these games, a friend of mine called them “penny slots.”
The minimum bet was 10 cents per payline and the game had 25 paylines. The minimum bet was, to my way of thinking, $2.50. You could never bet just a penny on that “penny slot” game.
The maximum bet was $1 per payline. This was a sneaky way of getting the players to lay down more money. If you hit “Max Bet” on that machine, it took $25 in credits from your balance.The More Complicated the Slot Game, the Less Likely You’ll Win

If you don’t understand how much you’re betting when you push a button on a slot game, there’s something wrong with the game. Perhaps the gaming industry just went through a phase of bad design.
But just because a slot machine game has multiple paylines, you shouldn’t assume that you’ll lose money if you bet on fewer paylines. Each bet on each payline is a separate bet, so playing all the paylines at once might make you more likely to see a winner. But you’ll also see more losing spins on the other paylines to compensate (in the long run, anyway).Slots Bet Online Casino
The game is still programmed to spin as if all the paylines are active. I watched in horror, as that $25 bet spun the reels. I got lucky and the machine paid a low prize. I didn’t lose $25.
You can save money on a slot machine like this in two ways.
*You can bet on fewer paylines.
*You can lower the size of your bet.
My buddy disabled all the paylines and played $1. We saw a big prize combination come up but it didn’t pay anything. It was on a deactivated payline. There was no pattern on the one active payline.A Few Older Games Increased Your Probability With Your Bet Size
This kind of game worked in the opposite way. You didn’t disable or enable paylines. The game’s help screen said some features were only enabled for the max bet.
We deduced that meant the theoretical return to player was calculated only for the max bet. And if the game wasn’t allowing you to use all the features with lesser bets then it must have had a lower RTP.
I went back to play some blackjack that night but my friend stayed and played that game. He did okay, not great. He said it made a big difference to play the max bet.A Basic Slot Game Doesn’t Change the Probabilities

Whether it’s a 3D video slot with monsters running around the screen or just a classic three-reel game, if the slot game doesn’t disable paylines or require max bets, then the probabilities don’t change.
You can bet the minimum or maximum credits, and it won’t affect the outcome of the game. You simply change the number of guaranteed spins you can play.
If you have $300 and a game has a $1 minimum, you can play that game 300 times. If you make a maximum bet of $5 on every spin, then you can only play the game a maximum of 60 times (if you lose every time).
This makes a difference to some players. Other players say you’re not going to lose 60 times in a row, so why worry about that? Bet the max and get the most from your prize.Most Progressive Slot Games Only Pay on Max Bets
If you’re playing a progressive slot game, then you need to make a maximum bet. I’ve seen a few games with multiple progressive jackpots where you only needed a max bet for the biggest jackpot.
If you have two versions of the same slot game, one is progressive and the other is not, you might as well play the max bet on the progressive version of the game. Don’t ever play anything less. The progressive jackpot is awarded randomly.
Progressive slot games have a mixed reputation. I’ve talked to people who refuse to play them. They’re convinced the payouts are less on progressive games.
And I know people who almost exclusively play progressive slot games. They would rather win a big prize beyond whatever the machine itself pays. They don’t have to win $1 million if they can come away with a few thousand.
I’ve seen it play out both ways. I’ve never been in a casino where someone won more than $10,000.The Math Says Max Bets Put You Ahead Faster

Assuming you find a slot machine that pays reasonably well, maybe it’s on a “hot” streak despite its regular RTP, why not play only max bets?
If the maximum payout is 1000x your bet, you’ll make $999 on a $1 bet or $4995 on a $5 bet. That’s a really simple equation, so why doesn’t everyone bet that way?
If you’re down to your last $20, you may decide to “roll it up. ” But what’s the difference between rolling up $20 and rolling up $200?
It comes down to how many spins you can guarantee yourself. This is a psychological game we play with ourselves. The odds of winning on the next spin are the same regardless of how much you bet.There Is Another Advantage to Not Making Max Bets
If you want to play a lot of different games and you don’t have an unlimited bankroll, then playing minimum bets allows you to spread your time around.
Some players like to test the games when they visit a casino for the first time. They make a decision based on luck.
I remember watching a man approach a slot machine late one night. I was getting ready to leave. He put a dollar in the machine and spun the wheels.
He went down the line of machines until one of them paid. There, he stopped and began playing.This strategy has no better chance of winning than any other strategy. But if the player feels better playing slots this way, that’s what matters.Conclusion
Slot game designs have become more polished, but their rules are less confusing. People want to push a button and win some money.
I think caution is only warranted if you’re unfamiliar with the games and you don’t know immediately if they have any special rules. It’s always a good idea to read the pay tables first.
And if you’re a little confused by the game rules, then only play minimum bets until you understand what the game is doing.
There’s no need to rush into max bets if you’re not ready to take that chance.
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Win or lose for every wager that they place. The same cannot be said with spread betting, which can make some people a little nervous. There’s also the potential for huge losses, and when we say huge, we mean HUGE. With some spread betting markets, it’s possible to lose the initial stake many times over. Spread betting is any of various types of wagering on the outcome of an event where the pay-off is based on the accuracy of the wager, rather than a simple ’win or lose’ outcome, such as fixed-odds (or money-line) betting or parimutuel betting. A spread is a range of outcomes and the bet is whether the outcome will be above or below the spread. If Spain had won by one goal, the -1 asian handicap would have pushed ur bet. Think of it as Ireland started the match up 1-0. Since they won by 2 or more, the bet was a winner. What is a Point Spread or Side Bet? A point spread is used in sports betting to even the odds between two unevenly matched teams. Each team is given a point total by the oddsmaker that can either be added. Simply put, covering the spread is the goal of every bettor who has placed a point spread bet. This SI Gambling 101 feature explains what it takes to cover the spread. What is a Point Spread?
Point spread betting is the most popular form of sports betting. The vast majority of sports wagers use a point spread thanks to the popularity of football and basketball. Even though this type of betting is so popular, it may take awhile to understand.
The point spread is sometimes known as an equalizer for sportsbook operators. All teams aren’t created equally, so sportsbooks can create a point spread for a game so that each team playing has an almost even chance of winning the game. In a way, the point spread will even the field for both teams.
The point spread gives a reason for bettors to risk money on both teams. The better team playing in the game is considered favorite. They have to win by the point spread offered by the sportsbook. The favorite in a game is listed as being minus (-) the point spread.
The worse of the teams playing in the game is called the underdog. The bettor wins if this team wins the game outright or loses by an amount smaller than the point spread. The underdog in a game is listed as being plus (+) the point spread.
Let’s use the upcoming Super Bowl between the Kansas City Chiefs and Tampa Bay Buccaneers as an example.
Using this example, the Chiefs opened as 3-point favorites over the Buccaneers (currently Chiefs ). The Chiefs need to win by 4 or more points to cover the spread.
Likewise, the Buccaneers opened as 3-point underdogs. That means the Buccaneers would need to win the game outright or not lose the contest by 4 points or more. If the line is Chiefs -3 and they win by exactly 3 points, the betting result is a “push” and bettors for both sides would get their wagers refunded.
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ALSO READ: 5 Fun Super Bowl prop bets to considerPoint spread betting odds
Point spreads are usually set with -110 odds, but pricing often fluctuates at online sportsbooks. This is the sportsbook operators’ house edge. The odds guarantee the sportsbook operator will see a little money over time. When the odds are set at -110, the bettor must wager $110 to win $100 (or $11 to win $10).
The odds on a point spread are most commonly known as the vigorish or “vig” for the sportsbook. You might hear this small profit margin for the sportsbook called the “juice” by some sports bettors.Point spread FAQsWhat does ‘pick em’ or ‘pick’ mean in NFL betting?
A “pick em” (sometimes seen as “pick”) is when the teams have a point spread of zero, meaning neither team is favored. In this instance, you’re essentially picking moneyline and your bet will be determined on the winner alone.What does -7 and +7 mean in NFL betting?
A spread of minus-seven (-7) means that a is favored to win the game by a touchdown (technically, a touchdown and the extra point). A team favored by -7 must win the game by eight or more points to win the bet. If the team wins by seven, the result is a “push” and the bet is refunded.
A spread of +7 means the team must win the game or lose by fewer than seven points to win the bet. A loss by seven would result in a push.What does -3 and +3 mean in NFL betting?
A -3 spread means that the favorite must win by more than a field goal to win the wager. A three-point win would result in a push and the sportsbook would refund the wager.
A spread of +3 means the team listed as the underdog must win the game or lose by fewer than three points to cash the bet. A three-point loss would be graded as a push by the sportsbook and the bet would be refunded.Why are point spreads in the NFL so much lower than in college?
In 2019, the Baltimore Ravens led the NFL in point differential per game at +13.7 points; the Miami Dolphins ranked last in the NFL in point differential per game at -11.7. Even Kansas City– known for their explosive offense– had an average point differential in 2019 of just 9.7 points. The net point differential in the NFL is -14.1, or -0.9 points per game. Basically, the talent differential in the NFL is so minute that even mismatched teams often draw games within a score of each other.
NFL spreads are most commonly between one point and four, with six being a heavy favorite and extremes coming out around 15-20 point favors. (For those wondering, the 1941 Chicago Bears hold the NFL record of point differential at +15.7 points per game. Conversely, Ohio State had a +33.1 average point differential in 2019.)Point spread and odds movement
Sportsbook operators often aim to have equal money on both sides of a point spread. When the money is exactly split the sportsbook operator will see the exact vigorish as their profit margin. If all things are equal over time this will maximize how much money the sportsbook operator can make.
In an effort to have equal money on both sides of a wager, the sportsbook operator will move the point spread to attract money on the side that customers aren’t betting on. The odds for a point spread might change before the actual point spread. There are certain point spread numbers, like 3 and 7 in football, the sportsbook operators would like to avoid moving away from since the final score margin falls on these two numbers most often.
For example, if a lot more money is wagered on the New England Patriots -3, the vig may shift from -112 to -115 and -120 before the line moves to -3.5.Run and puck lines
Football and basketball games are mostly bet using a point spread. The less popular major sports, baseball and hockey, are mostly bet using a moneyline. In an effort to make baseball and hockey more appealing to point spread bettors, the sportsbook operators offer run and puck lines, respectively.
These alternative lines give point spread bettors a chance to wager on other sports using a more familiar method of betting. Since points (runs and goals) aren’t as easy to come by in baseball and hockey, the odds with the lines may have a wider spread than a football or basketball game.What is a Point Spread or Side Bet?
A point spread is used in sports betting to even the odds between two unevenly matched teams. Each team is given a point total by the oddsmaker that can either be added or subtracted to the final score, thus factoring into if the bet was won or lost.
Example:
The point spread for Super Bowl XLI was:
Colts –7
Bears +7
The (-) before the 7 indicates that the Colts were the point spread favorites. The (+) indicates that the Bears were the point spread underdogs.1 Spread Meaning In Sports Betting
If one were to bet on the Colts, the Colts would have to win by a total of 8 points for the bettor to win. If one were to bet on the Bears, the Bears would have to win outright or lose by no less than 6 points for the bettor to win. A 7 point victory by the Colts would equal a push or tie.
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Playing one of the Wicked Winnings series online is a mission impossible, which is simply amazing, having in mind how unbelievably popular these slots are. One exception is the Wicked Winnings 2 which can be purchased and downloaded from Google app store. The special features are way too basic and the trend continues in all three releases, however, on the whole, the game provides a fair share of small. Wicked Winnings Slot Machine Big Wins This means the casino will match your first deposit with 100% up to Wicked Winnings Slot Machine Big Wins a maximum of £100. Wicked Winnings Slot Machine Big Wins So, if you deposit £100 you will receive £100 extra Wicked Winnings Slot Machine Big Wins in bonus money. Most first deposit bonuses comes with a minimum deposit requirement as well as a wagering. Original Wicked Winnings Slots. Released at the turn of the millennium, the original game features 5 reels and offers 243 ways to win. The 243 ways to win is called Reel Power in this game. The minimum amount that you must bet is $0.50 while the maximum is $200.00 per spin.
Wicked Winnings was introduced by Aristocrat more than a decade ago. The launch of the game was a real hit and made its players look forward to its further sequels. The good thing about the slot is that it won’t let you down in terms of rewards. Even if you start with small bets, you will have high possibilities to win!
Wicked Winnings game follows the pattern of 243 ways to win. It is also known as reel power. All the games are playable across any device. You can find this slot available anywhere on the casinos online.Gameplay Characteristics and Features
As the name suggests itself, the background of the game is spooky, and from the very beginning, you’ll see witchcraft too. The mystic and cartoonish ravens, fiery flames, heaps of gold, goblet glasses, and skulls are present in this Wicked Winnings slot.
The main character is a lady in a fascinating red dress appearing to be bold, classy and fiery. She’s the protagonist of the game and a wicked lady devil, and also the wild symbol. The lower valued symbols are from the deck of cards; these are 10, J, Q, K and A. You’ll find many other high valued symbols too; they are as follows:
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The minimum amount that can be used as a bet is 0.50, and the maximum amount is 200 per spin. The minimum coin size is 0.01, and the maximum coins size is 4. You’ll get a total number of 243 winning lines per round, and that means there is no shortage of paylines. The average RTP of all the sequels of the game is 93.96%. The jackpots offered vary in all the sequels.
In part 1, the payout range is from 10 to 100 coins as credits. In part 2, the graphic content became advanced and the chances of getting the bonus increased.
In part 3, there is a total number of 6 reels and a special feature called XtraReel Power. To obtain this power, a player has to stake a minimum of 40 coins. Every sequel has one or the other advantage and is super profitable, so play Wicked Winnings slot machine online to grab generous payouts.Wicked Winnings 1
In part 1, you have to match the symbols in a winning combination to get rewards. The Wicked Winnings casino slot online belongs to the classic evolution slots.
Though the first release has limited features, the continuous wins and simple rules made the game interesting. Even if you are cannot win by landing rewarding combinations, you can get some credit from the game symbols. These can help you increase your winning amount during free spins.Wicked Winnings 2
This game boasts of an improvised quality in graphics and high stake options. Those players who do not wish to place big bets during the game shouldn`t go for this option. There is a bonus round that presupposes re-spins and has an interesting addition when compared with the first release.
While playing the bonus rounds, you’ll come across two bonus features that’ll get activated. In the bonus round, the initial bets get doubled. One additional feature of multipliers is included.
Under the first bonus feature, one is eligible to get 15 free spins if he/she gets a flame icon on its first and the last reels. If the wild symbol appears on the second, third and fourth reels on the screen, then a player will get a chance to re-spin the remaining reels to increase the number of winning outcomes.
These advantageous re-spins can help you reach the apex of your winnings, so play Wicked Winnings for real money! To increase your wins, you should use some helpful tips. One of them is to place lower stakes and to try the Wicked Winnings free mode of the game to develop your own gambling strategy. GWicked Winnings 3
There are 6 reels in this release. Even if you can not create winning combinations, the slot will not let you go empty-handed. The sound quality is good and maintains the suspense of the coming symbols.Wicked Winnings Slot Machine Wins Raja
The background, the game structure, play lines, and design have been greatly improved in the release. Free instant win scratch cards.
Another important feature of this sequel is the XtraReel Power, which will get activated with the stake of 40 coins.What Slot Machine Wins The Most
To collect amazing rewards and prizes, try out this amazing Wicked Winnings casino slot online! Be ready to take home a considerable amount of real money.Conclusion
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As a result, we have decided to take the matter in our hands and offer you a list of websites to download cracked apps for Android without any security concerns.
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*1 Best Cracked Android Apps Site ListBest Cracked Android Apps Site List1. BlackMart Alpha
Cash check online now. Blackmart Alpha is quite an identical Google Play Store but all the apps can be download here for free. The user interface is quite easy and lucid and hence it doesn’t take much time getting used to. Also, you don’t need to create an account. This is the best cracked android apps site to initiate the download right away.URL:https://www.blackmart.us
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*You can get the full version of the applications.2. APKPure
ApkPure has many of the apps found in the Google Play Store and is a very good alternative of PlayStore. The website is secure and you don’t need to worry about virus threats. You can also download previous versions of the app in the mirror websites.URL:https://apkpure.com/
Play online game and win cash in india. Features of APKPure:
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*Apps are categorized in user-friendly behavior.3. Mods APK
If you enjoy playing video games then Mods APK is the site for you. Playing Android games with premium features unlocked give joy to another level. You can easily beat anyone’s ass using a cracked version. One can download cracked versions of almost all of the Android games available. URL:https://modsapk.com
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This is another cool premium cracked Android apps site accessible freely. The problem with the website is the mediocre web-design which gives it substandard web design. Other than that there are no issues. Well, you will be able to download GetAPK file directly from here.URL:http://getapk.co
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*You may feel outdated design, but it’s quite useful to download cracked apps for Android.5. OnHax
Onhax is very good cracked android app site to use this year. The website has security services to prevent unauthorized alterations and other threats. The only problem with the site is the frequent ads. Hence, you might consider using an Adblocker.URL:https://onhax.io/
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Just as the name suggests, this is a place where you can get at the paid Android apps for free. The user interface and the website design go hand in hand and makes it very easy for the user to get what they want. This cracked android app site is the choice of many youngsters nowadays.URL:https://apk4free.net/
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This website has some pretty good games and is something gamers should be looking at. The website is regularly updated with new games and apps. The layout and user interface is quite straight forward. Mods of your favorite game will be assuredly available here.URL:https://www.revdl.com/Mozzart Bet Ke
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*Android games and OBB files are available for almost all of the games.8. ModAPKDown
Using this website you can get your favorite cracked apps for free. The latest version of the apps is provided. Moreover, the website is quite secure and neatly arranged. This is another trusted best cracked android apps site.URL:https://www.modapkdown.com
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*The website is constantly updated and hence you can find the latest versions of the Apps.
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*It’s one-click OBB installer will help you installing games outside of Play Store.9. AllFreeAPK
This website has all the Apps you need for your Android Devices. More importantly, it does not charge for the Apps. You can consider it as a proper alternative to the Google Play store. In comparison to other cracked android apps site, you may feel quite less useful.URL:https://www.allfreeapk.com/
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*You can get the highly-rated apps and games in APK format.
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*You can search any app or game by package name too.10. ApkWhale
If we sit and build a list of best cracked Android apps site, ApkWhale can’t be boycotted at any cost. It has got a cool website design with the best navigation. Hunt of yours towards any mod will be ended here. You can even submit your mod on ApkWhale as well.URL:https://www.apkwhale.com
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In this article, we have provided you with information on the best cracked android apps sites. Your suggestion for such sites is welcome. Otherwise, if you have any queries regarding this list, let us know via the comment section.2 Make smart bets wherever you goTechnical informationcom.mozzartbetFreeAndroidEnglish 189,960Jan 15th, 2019Older versions20.07 Jan 15th, 20192.1.2 Jul 8th, 2016Rating4.042commentsfancywhitepapaya32033 Mozzart Bet App Download9 months agoReplycalmbluepeacock76920 in 2019
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There’s a good chance you’ve heard of BetOnline before. Since launching in 2004, this site has grown to become one of the biggest and best online gambling sites in the US. As many already know, this site also has a fantastic mobile platform. Today, our team is going to break down the best features of the BetOnline app.
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SBI Personal Loan Interest Rates - Updated as on 07 March 2021
*Sbi Interest Rates Fd
*Sbi Interest Rates Fixed Deposit
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*Sbi Interest Rates Calculator
*Sbi Deposit Interest Rates
SBI Personal loan Interest Rates under various categories & different schemes as follows:SBI Xpress Bandhan LoanXpress Credit Personal LoanSBI Pension Loan12.15% - 15.15%11.65% - 14.65%11.60%Xpress Credit Loan (IT Employees)SBI Salary Package Ac holdersNon-Permanent Employees (NPEs)13.05% - 15.05%10.65% - 12.15%12.55% - 14.90%Jai Jawan Pension LoanPension loans to Coal Mines PFClean Overdraft Loan11.60%11.60%16.70%OD for E-commerce purchasesLoan against sharesLoan against NSC / KVP13.75%10.65%12.80% Get gifts upto ₹ 18,490 on disbursal.
A premium of 05 bps will be added for the customers who is not having salary account with SBI (B)- HOME TOP UP CARD INTEREST RATE STRUCTURE (FLOATING): EBR 6.65% A premium of 15 bps will be added. SBIC CAD Prime Rates Effective - March 30, 2020 2.45%. SBIC USD Prime Rates Effective - March 17, 2020 3.25%.Rates as of 25th June, 2020. The GIC is paid out in 12 equal monthly payments into your.
Refer to T&C - www.deal4loans.com/personal-loan-offers.phpList of Documents required of SBI Personal LoanSalaried (Salaried Class)EligibilityLoan AmountDocuments RequiredResident of IndiaMinimum - Rs 24,000 in metro and urban centres and Rs 10,000 in rural/semi-urban centresMaximum: 12 times net monthly imcome (salaried and pensioners)
*Passport size photograph
*Identity proof
*Office address proof (self-employed and professionals). The documents can be shop/establishment certificate, lease deed or telephone bill
*Latest salary slip and Form 16 (salaried persons)
हिंदी में जानकारी के लिए, यहाँ SBI पर्सनल लोन हिंदी में पढ़ेंSBI Personal Loan EMI Calculator
To figure out how much emi for the loan amount you have to pay for; you can use this emi calculator tool. For calculate you can just enter your loan amount, interest rate & tenure repayment period.
For Example: assume you taken a loan amount of Rs.2 lakh for various years @ different rate of interest than your loan calculations are as below:Loan AmountROITenure(years)Monthly EMITotal Interest2,00,00012.45%3₹ 6686₹ 406932,00,00014.95%4₹ 5561₹ 669322,00,00016.55%4₹ 5725₹ 74778Available Personal Loan Types of State Bank of IndiaSBI Xpress Credit Personal LoanSbi Interest Rates FdSBI offers loan upto 24 times of net monthly income for salaried class individuals and pensioners. The maximum limit for personal loan is Rs. 15 lakh.
*Minimum EMI per lakh Rs. 2,616 - Rs. 2,765 for 4 years.
*Interest Rates - 11.65% - 14.65% p.a
*Security - NIL
*Processing Fees - SBI charges 1% of loan amount + applicable taxes
*Part payment charges - 6 months to 60 months (or residual service period whichever is lesser)
*Minimum salary of Rs.7,500SBI Xpress Credit Personal Loan EligibilitySBI provides Xpress Credit personal loan to the employees of under noted entities maintaining salary account with zero margin:
*Central and State Government
*Quasi-Government
*Central PSUs
*Profit making State PSUs
*Education Institutions of National Repute
*Selected CorporatesMinimum Loan amount available under Xpress Credit Personal Loan
*24,000 for term loan
*10 lakhs for overdraft
SBI offers loan upto 24 times of net monthly income for salaried class individuals and pensioners. The maximum limit for personal loan is Rs.15 lakh.SBI Pension LoanInterest Rates on SBI Pension Loan - 11.60% p.a.Features & Benefits of SBI Pension Loan:
*Low processing fee, no hidden charge, no pre-payment charges
*Family pensioner (spouse authorised to receive pension after pensioner’s death) can avail loan but the applicant should not be more than 76 years.
*Maximum 50% amount of pension is considered for availing loan.
*SBI charges processing fee of 0.51% of the amount (+applicable taxes) with minimum Rs 500/-). Processing fee is not charged from SBI Defence Pensioners.Loan Amount For Central & State Government Pensioners:
*Minimum loan amount is Rs 25,000
*Maximum loan amount Rs 14 lakh for applicants below 72 years
*Maximum of Rs 12 lakh for pensioners who are between 72 and 74 years
*Maximum amount of Rs 7.5 lakh for applicants between 74 and 76 years
*For family pensioners, minimum loan that can be availed is Rs 25,000.Loan Amount For Defence Pensioners:
*Minimum loan amount is Rs 25,000
*Rs 14 lakh for applicants upto 72 years of age
*Rs 12 lakh for pensioners between 72 and 74 years
*Rs 7.5 lakh for applicants between 74 and 76 years (EMI / NMP not to exceed 50% in all the cases for Family Pensioners)Loan Amount For Family Pensioners:
*Minimum amont Rs.25,000
*Rs.5 lakh for pensioners upto 72 years of age
*Rs.4.5 Lakh for pensioners between 72 and 74 years
*Rs.2.5 Lakh for pensioners between 74 and 76 years (EMI / NMP not to exceed 33% in all the cases for Family Pensioners)
Processing Fees: For Central & State Government Pensioners (including Family Pensioners) - 0.50% of the Loan Amount + applicable tax subject to Minimum of Rs. 500
For Defence Pensioners – NILSBI Saral Personal Loan
Saral personal loan is available for any legitimate purpose to those working in corporate sector, self-employed, engineers, doctors, architects, chartered accountants, MBA with two years of employment.SBI Saral Personal Loan Eligibility You are eligible for SBI Saral Personal Loan if you are:
*Salaried and working with any leading corporate house
*Self-employed (engineer, doctor, architect, chartered accountant, MBA) with minimum 2 years’ experience.Minimum Loan Amount For SBI Saral Pension Loan
*Rs.24,000 in metro and urban centres
*Rs.10,000 in rural/semi-urban centres
SBI offers loan upto 12 times of net monthly income for salaried class individuals and pensioners. The maximum limit for personal loan is Rs.10 lakh.
Security - NIL
Processing Fees - SBI charges 2% - 3% of loan amount + applicable service tax
Repayment Period - 48 EMIsSBI Personal Loan Customer Care Number Toll Free NumberIf customers / borrowers have any queries/complaints/issues related to personal loan from State Bank of India, They can talk to a customer care executive at below mentioned toll free numbers.
*1800-11-2211
*1800-425-3800Compare SBI Personal loan Interest Rates with other banks in IndiaBankInterest RatesICICI Bank10.99 – 16.50%Kotak Mahindra10.50 - 17.25%Standard Chartered11.50 - 18.00%HDFC Bank10.75 - 20.75%Bajaj Finserv11.99% onwardsIndusInd Bank11.25% onwardsCitibank10.99%Tata Capital11.25% - 19%Fullerton India11.99 - 26.00%Check SBI Personal Loan Status of Application / Loan QueryYou can check your personal loan status in State bank of India, via these methods which are mentioned or illustrated here: check your SBI Personal Loan application status here
About State Bank of IndiaSBI is the largest lender in the country and has its headquarters in Mumbai, Maharashtra. The majority is owned by the Government of India. SBI is ranked as 236th in the Fortune Global 500 list of the world’s biggest corporations of 2019.
It is the largest bank in India with a 23% market share in assets, besides a share of one-fourth of the total loan and deposits market. Highest Bank branches with 22,010 locations. Revenue ₹2.79644 trillion (US$39 billion) (2019). Number of employees at present working in SBI are 257,252 (March 2019). ’Best Transaction Bank & Best Payment Bank in India’ Award for 2019.
State Bank of India Head Office Address:State Bank of India, State Bank Bhawna, 16th Floor, Madame Cama Road, Mumbai-400021Other Products of State Bank of India: ✓ SBI Home Loan ✓ SBI Credit Card ✓ SBI Car Loan ✓ SBI Business Loan ✓ SBI Property Loan ✓ SBI Two Wheeler Loan ✓ SBI Education Loan ✓ SBI Fixed Deposit Rates
Want to earn safe returns on your investments? Then, look to invest in a fixed deposit that offers fixed returns over time. But the big question is, where should you open a fixed deposit? The question assumes significance given there are many banks and non-banking finance companies (NBFCs) waiting to make you a customer. But the largest public sector bank State Bank of India (SBI) has a distinctive advantage over others. The reason being the attractive interest rates as well as the massive PAN India presence with around 25,000 branches across the country. It won’t be wrong to say that SBI fixed deposit is a symbol of trust. Catch more of it in this page.Sbi Interest Rates Fixed Deposit
Table of Contents
*2 SBI Fixed Deposit Interest Rates and Other Details
*4 How To Apply for State Bank of India Fixed Deposit?
*5 SBI Fixed Deposit Form
*5.1 A Look at SBI’s Branch NetworkSBI Fixed Deposit Schemes
The bank offers several fixed deposit plans to cater the diverse financial needs of the customers. It provides deposits for tenures ranging from 7 days to 10 years at varied interest rates. You can open a fixed deposit account with the lowest amount of INR 1,000. Interestingly, the 5-year tax saver fixed deposit of SBI doesn’t come with the maximum limit on deposits. You have the option to select the investment period and the amount of investment as per your financial goals. Depositors can receive interest at the payout frequency decided by them.SBI Fixed Deposit Interest Rates and Other DetailsFixed Deposit AspectsDetailsMinimum Deposit AmountINR 1,000Maximum Deposit AmountNo LimitRate of Interest2.90% - 6.20% per annumTenure7 days to 10 yearsLoan FacilityUpto 90% of the Principal DepositPremature Withdrawal FacilityAvailableInterest Payout FrequencyMonthly/ Quarterly/ Half Yearly/ YearlySBI Fixed Deposit Interest Rates March 2021
SBI Fixed Deposit Interest Rates generally range from 2.90% - 6.20% per annum which is quite high seeing the current market standards. The bank pays an additional interest to senior citizens. To know the FD interest rate of different investment periods, check the interest rate table given below:Interest Rates on Retail Deposits Below INR 2 CroreDeposit PeriodsInterest Rates for General Public (in per annum)Interest Rates for Senior Citizens (in per annum)7 - 45 Days2.90%3.40%46 - 179 Days3.90%4.40%180 - 210 Days4.40%4.90%211 Days - Less Than 1 Year4.40%4.90%1 Year - Less Than 2 Years5.10%5.60%2 Years - Less Than 3 Years5.10%5.60%3 Years - Less Than 5 Years5.30%5.80%5 Years - 10 Years 5.40%6.20%Interest Rates on Retail Deposits of INR 2 Crore and AboveDeposit PeriodsInterest Rates for General Public (in per annum)Interest Rates for Senior Citizens (in per annum)7 - 45 Days2.90%3.40%46 - 179 Days2.90%3.40%180 - 210 Days2.90%3.40%211 Days - Less Than 1 Year2.90%3.40%1 Year - Less Than 2 Years2.90%3.40%2 Years - Less Than 3 Years3.00%3.50%3 Years - Less Than 5 Years3.00%3.50%5 Years - 10 Years 3.00%3.50%SBI Fixed Deposit Calculator
The SBI Fixed deposit calculator is the tool which gives an exact idea about the amount of interest that you can get on the principal amount deposited under the scheme. Using it they can calculate the total amount they are likely to receive after the maturity of the fixed deposit. They can even reinvest the interest amount to yield more interest at maturity.How To Apply for State Bank of India Fixed Deposit?
To apply for a fixed deposit at SBI, the candidate needs to fill the application form by visiting the nearest bank branch. Other way is to download the application form from the bank’s official website and submit it along with the requisite documents at the branch office. Candidates can even open the FD account online from the comfort of your home/office and save your precious time. You must have the following to apply online.Interest Rates Sbi Fixed Deposits
*Savings Account with SBI
*Internet banking username and password
*At least one transaction account should be mapped to the usernameSbi Interest Rates CalculatorSteps To Apply OnlineSbi Deposit Interest Rates
*Log in to the Online SBI account.
*Enter the username and password
*Click on the Login button
*Once the savings account is visible, click on the e- Fixed Deposit link provided on the menu.
*On clicking, the page will open where the depositor can create various deposits online.
*From the left-hand side menu, select the e-TDR/STDR option.
*Now feed the savings account number that is to be debited. Enter the amount and select the TDR or STDR option.
*Click on the confirmation button. Now, the online fixed deposit account is generated.SBI Fixed Deposit Form
The SBI fixed deposit form is available online as well as at branch offices. In order to avail the benefits of fixed deposits, you need to fill the following details in the form:
*Customer status – existing customers or new to the bank
*Applicant’s details
*Co-applicant’s details
*Funding account details i.e., the account to be debited
*Term of deposit
*Product name or the name of deposit scheme
*Frequency of interest payable
*Details of account in which interest is to be credited
*Maturity instructions (tenure of policy, auto-renewal)
*Signature of both the customersA Look at SBI’s Branch Network
SBI is an Indian multinational, public sector banking and the financial company which has its headquarters in Mumbai. It is one of the most trustworthy bank in the country. It has a wide network of 14,000 branches spread across the country.
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A scratchcard (also called a scratch off, scratch ticket, scratcher, scratchum, scratch-it, scratch game, scratch-and-win, instant game or instant lottery. In England a scratchie, lot scrots, or scritchies. Mostly, a small card, often made of thin paper-based card for competitions and plastic to conceal PINs, where one or more areas contain concealed information which can be revealed by scratching off an opaque covering.
Applications include cards sold for gambling (especially lottery games and quizzes), free-of-charge cards for quizzes, fraudulent free cards encouraging calls to premium rate phone services, and to conceal confidential information such as PINs for telephone calling cards (otherwise known as recharge cards) and other prepaid services.
In some cases the entire scratchable area needs to be scratched to see whether a prize has been won—the card is printed either to be a winner or not—or to reveal the secret code; the result does not depend upon what portions are scratched off. In other cases, some but not all areas have to be scratched; this may apply in a quiz, where the area corresponding to the right answer is scratched, or in some gambling applications where, depending on which areas are scratched, the card wins or loses. In these cases the card becomes invalid if too many areas are scratched. After losing one can scratch all areas to see if, how, and what one could have won with this card.Technology[edit]
The scratchcard itself is made of paper-based card, or plastic, with hidden information such as PIN or HRN (Hidden Recharge Number) printed on it, covered by an opaque substance (usually latex). The original cards were covered with an environmentally unsafe solvent based coating. In the late 1980s, adhesive specialist Jerome Greenfield invented a safe water-based coating still used in scratchers today that can be scratched off relatively easily, while resistant to normal abrasion. Other types of scratch panel are scratch labels, hot stamp foil or ’sandwich’ label which are technologies that is easy to produce for manufacturers without specialised equipment for applying latex panels. Unlike silkscreen latex panels that bond with the card body, labels are distinctly separate to the card body and applied by adhesion which makes them prone to sophisticated and fraudulent manipulation.[1]Gambling and quizzes[edit]Origins[edit]
The original game tickets were produced using manual randomization techniques. In 1974 the American company Scientific Games Corporation led by scientist John Koza and retail promotions specialist Daniel Bower produced the first computer-generated instant lottery game.[2] In 1987, Astro-Med, Inc. of West Warwick, Rhode Island, received the U.S. Patent for the instant scratch-off lottery ticket.[3]
Simple prize scratchcards require the player, for example, to scratch off three (or more) areas hiding numbers, symbols, etc. If all the items revealed are the same, a prize has been won. More complicated scratchcards have several different ways to win on one card. Other scratchcards involve matching symbols, pictures or words, or are adaptations of popular (card-)games such as blackjack, poker or Monopoly. Games are also tied to popular themes such as Harley Davidson, Major League Baseball, NASCAR, the National Hockey League, Marvel Comics and FIFA World Cup.
There are currently two major manufacturers of game tickets: Scientific Games Corporation, with production facilities in the USA, Chile, UK, Germany, Canada, Brazil and Australia; and Pollard Banknote, with production facilities in the USA and Canada. There are several other smaller manufacturers in North America, Europe, and Asia.Popularity[edit]
Scratchcards are a very popular form of gambling due to their low cost and the opportunity to win instantly, as opposed to waiting for a drawing like many lotteries. There is a trend[citation needed] towards more expensive scratchcards (20-50 USD) that have prizes in the millions of dollars. However, many such ’instant’ tickets sold in the US, especially in Massachusetts and New York, do not pay top prizes ’instantly,’ but rather over many years, with no cash option.
The popularity of lottery scratchcards has been increasing at a greater rate than any other form of lottery.[citation needed]Predictability[edit]
In the 21st century there have been attempts to increase the odds on finding a prize-winning card based on statistics, by tracking the amount of prize money won and cards sold to calculate accurate current odds. There have been a number of instances where a series of cards are still available although all major prizes have been won. Some lotteries make this information available to all free of charge to help promote their games [4] Hypothetically, large early payouts may exceed ultimate sales before expiration of the game card series. However, the low odds of winning – typically from less than 1 in 5 to about 1 in 2.5 – and players who buy cards unaware of the low return offset these losses, so the lottery still makes a profit.Second-chance sweepstakes[edit]
Many state lotteries also run a second-chance sweepstakes in conjunction with the retail sale of state lottery scratchcards in an effort to increase consumer demand for scratchcards and to help control the litter problems associated with the improper disposal of non-winning lottery tickets.[5] Since lottery tickets and scratchcards are considered in the United States to be bearer instruments under the Uniform Commercial Code,[citation needed] these scratchcard promotions can be entered with non-winning tickets that are picked up as litter.Break opens[edit]
Break Opens, also known as breakopens, break open cards, strip tickets, pull-tabs, nevada tickets or in some Bingo Halls as ’pickles’ are lottery or bingo cards on which there are concealed letters, numbers, or symbols that have been predetermined as winners. The cards are often made of cardboard and contain perforated cover window tabs, behind which the combinations are printed. The purchaser must ’break open’ the card, or pull up the pull-tabs, to see the information printed within, and then must confirm with winning combinations printed on the back of the card, various cards may have come from the printer highlighted as winning under the tabs. The winning combination will be highlighted, making the identification of winning tickets easier.Online gambling scratchcards[edit]
By around 2010 online versions of virtual ’scratchcard’ (not physical cards) gambling games which utilized Macromedia Flash and Java to simulate scratching a card on a computer were available. Virtual cards could be bought, and prizes collected, over an Internet connection.[6]Fraudulent practices[edit]
A widespread misuse of scratchcards is the free-of-charge distribution of cards offering a range of prizes, ranging from extremely low-value to very desirable; for example from time-limited discount vouchers redeemable only through a specified agent to cars. Cards always reveal that a prize has been won, but the nature and value of the prize can only be determined by phoning a premium rate telephone claim line costing a significant sum per minute. Calls to this number are designed by the promoter always to take several minutes, and the prize won is, in reality, always of far less value than the cost of the call, and usually not worth claiming. Regulatory authorities for telephone services have been taking action against such schemes, issuing warnings and large fines.[7]Games sold with claimed jackpots[edit]
Over the years, many lotteries have continued to sell scratch games, while failing to disclose that the larger prizes or jackpot have already been claimed in order to discourage players from no longer playing a won scratch game, though before the 2000s and direct connections between the lottery and their sales terminals could be made, there was no expectation of this to be known. In February 2018 it was reported that some scratch cards in the UK are still sold even after the jackpots have already been won. Research by The Guardian newspaper found that the £250,000 Gold game, which advertises 15 top prizes worth a quarter of a million pounds each, were still being sold after all 15 jackpots had been claimed.[8]
This happened again in May 2018, in which the 20X Cash Scratchcard was still being sold after the last jackpot prize was claimed.[9] Many lotteries since the start of the 2010s have begun to have their retailers print out up-to-date game lists from their terminals daily or weekly (often with the force of state, provincial, or national law after consumer watchdog organizations or television station investigative units have exposed the practice), which note games where jackpots have already been won or which have large prizes left, along with up-to-date winners’ lists on their websites.Cards hiding confidential information[edit]
Scratchcards can also be used to distribute confidential information, without any element of chance or skill. A common example is the phone card or recharge card sold for a price which provides specified phone call usage. The card itself, unlike a credit card, has no function in itself; it is simply a vehicle to inform the purchaser confidentially of the PIN required to make the phone calls paid for.Gallery[edit]Free Instant Win Scratch Cards WithoutSee also[edit]References[edit]Free Instant Win Scratch Cards Instant
*^https://www.slideshare.net/NigelPageMIEx/scratching-the-surface-white-paperrecharge-card-security-npagedec2010
*^’John Koza Interview – Scratchcards.org’. Retrieved 10 January 2016.
*^United States Patent 4,643,454
*^Washington’s Lottery. Financial Report 2016.
*^Tennessee Lottery. Play It Again Program – FAQ.Archived 2007-09-28 at the Wayback Machine
*^www.play-scratchcards.co.uk describing different Internet scratchcards. Encourages play, but not associated with any one provider.
*^’Scratchcard prizes may be misleading, OFT warns’. the Guardian. Retrieved 10 January 2016.
*^’Jackpots on some National Lottery scratchcards impossible to win’. Retrieved 16 February 2018.
*^’Man Wins £1,000,000 On The Last 20X Cash Scratchcard’. Retrieved 8 September 2018.Wikimedia Commons has media related to Scratchcards.Free Instant Win Scratch Cards South AfricaRetrieved from ’https://en.wikipedia.org/w/index.php?title=Scratchcard&oldid=1007660470’
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*Viking Clash Slot Tokens
*Vikings Clash Of Clans Materials
*Viking Clash SlotsViking Clash Slot Review
Viking Clash is a video slot from Push Gaming with 2×5 reels, each with 25 paylines, giving you 50 paylines across 10 reels in total. You may be able to play Viking Clash at online casinos such as YoYo, Unibet or Rizk.Theme and game basics
In the North they know no rest and no mercy, for the furious Vikings live to conquer. Clans shed blood for the right to call themselves the mightiest in the Kingdom, and Jarls, whose only desire is to wreak vengeance upon their enemies, carry on this ruthless feud –. Viking Clash is a 10-reel, 50-line online slot game with bonus round, bonus spins, instant play, autoplay, video slots, wild symbol, scatter symbol, mobile gaming, war, gold, ocean, vikings, action, weapons and warrior themes you can play at 243 online casinos.
With Viking Clash we get yet another Viking themed slots. It is the first made by Push Gaming, however. And they’ve taken a new approach, as they are wont to do. Push Gaming likes to try something new and unique and they’ve certainly managed to do so once again with Viking Clash as well. The soundtrack is epic and suited to the theme. Whilst the Vikings mostly look angry and there’s actually a clash brewing, the colours are surprisingly bright. Graphics are done brilliantly and special effects are pretty cool.
We get two sets of reels, each with unique symbols. The top reels are framed in red and you’ll find an angry looking red-bearded Viking on them, a blonde Viking and a fresh-looking Viking guy. The green set of reels also has a red-bearded, angry looking Viking, a stoic looking Viking and a Viking maiden.
The two red-bearded Vikings are the highest value symbols, offering 16x our bet for a 5-of-a-kind win. The blond and stoic Vikings each give us 12x our bet for such a win and the younglings give us 10x our bet. The Viking Shield is the wild and also comes with 16x our bet for such a winning combination. Additionally, we get a hammer, an axe and three types of runes on the reels, which are the low-value symbols. Finally, we have the Red Catapult and the Green Canon are the scatters.Gameplay and features
In the base game you get one random feature, the Wild Ship feature. At any point during the base game, a wave may come crashing across the reels, leaving behind a number of golden Viking ships that act as wilds. They’ll then sail down the reels after a payout on each reel they stop on. The reels won’t spin during that time, the ships simply move off to the left, paying out wins on every reel, where a win can be awarded.
To trigger the free spins, you’ll need three scatters, either the Red Catapults or the Green Canons or a combination thereof. You’ll get six free spins and the catapult or canon, respectively, will shoot sticky wilds to the opposite set of reels. Each subsequent catapult and canon will not only add an additional free spin but also add another sticky wild to the opposite reels. Should the wild land on a position already occupied by a wild, a multiplier will be added instead.
It sounds a little more complicated than it actually is. When we played the game, we managed to catch an additional 8 spins and wilds, including one 2x multiplier, resulting in over 500x our stake in winnings.Viking Clash Slot TokensConclusion
The theoretical RTP (Return to Player) for Viking Clash is 96.67%. That’s excellent value and if you are lucky during the free spin round, you will get much more than that back. It took us a little over 100 spins to trigger the free spins for the first time and it felt pretty good.Viking Clash is a great slot, providing lots of fun and even the base game will stay interesting with those Wild Ships sailing across the reels. They won’t show up too often, but regularly enough to keep your budget going until you hit the free spins.FactsMobileFree spinsYesYesLinesBonusround25YesReelsProgressive5NoRTPWild symbols96.66%YesVikings Clash Of Clans MaterialsViking Clash SlotsMin. StakeAutoplay0.25YesMax. StakeMultiplier100NoVolatility / Hit FrequencyScattersMedium-HighNo--
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