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How smoking can impact your health insurance policy

Smoking can have a negative effect on your health. The warning message that is printed on every cigarette box states, “Smoking is harmful to your health.” Tobacco smoking is responsible for 30% of all cancer deaths. It also increases the risk of developing heart disease 16 times more often.

India has almost 120 million smokers. According to the World Health Organization, India accounts for around 12% world’s smokers. From 78 million men smoking tobacco in 1998 to 108 millions in 2015, the number of them has risen. Six million people die each year from tobacco consumption. Over 5 million people die from direct tobacco use, while 0.6 million are killed by second-hand smoke. The Government banned smoking in public places starting October 2, 2008, due to serious health risks.

It can be detrimental to your health and cause you to pay higher premiums for health insurance policies. This is due to the increased risk of developing a chronic illness or a shorter life expectancy. As a reward for living a healthy lifestyle, a non-smoker receives premium discounts. It is best to not smoke and to inform your insurance company about your smoking habits. This will help you cover any health problems related to smoking.

People are curious about how smoking affects their health insurance, and the cost of it. Let’s talk about the effects of smoking on your health insurance policy.

Smoking: What Does It Include?

Smoking is the inhalation of smoke from tobacco, whether it’s cigarettes, cigars or beedi. You will be covered under the health insurance policy regardless of whether you smoke regularly or not.

You can purchase health insurance for smokers, but the insurance company might charge you an extra premium or refuse your application. This is based on how many cigarettes you smoke. Additional health checks may be required for smokers. This will help insurance companies determine the risk factor and charge the premium accordingly.

How smoking affects your health and insurance premium

You can have serious health consequences from smoking. Some of these are listed below.

Circulatory System: Having a smoking habit increases your risk of heart disease and high blood pressure. Atherosclerosis could be caused by the buildup of fatty acids.

The Immune System: Long-term and severe illnesses can be caused by smoking. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.

Respiratory System Smoking can cause damage to the lungs and even lead to breathlessness. Smoking can cause damage to the air sacs in the lungs and increase the risk of developing chronic bronchitis.

Oral Health Smoking may lead to tooth decay, tooth staining and gum disease.

Cancer: Long-term smoking can also cause cancer in various organs.

An insurance company will consider the severity of diseases and deaths that can be caused by smoking when determining whether to offer health insurance. This is why smokers must pay higher premiums in order to have health insurance coverage. Smokers are typically charged around 15% to 20% more by insurance companies. Smokers will need to have additional medical screenings before an insurer issues a policy.

We need to understand the premium that a smoker is charged over a non-smoker.

Ritesh, a non-smoker, purchases an individual health policy with Rs 5 lacs coverage. The annual premium amount for a 1 year policy term is Rs 4,656. Raj (a smoker) purchases an individual health plan. He is charged an annual premium amount Rs 7,552. Ansh is in the smoker category, which results in an increase in premium. Raj pays Rs 2896 more for smoking.

Smoker with a Health Problem

You may be a smoker who has contributed to your declining health condition. You can get a health insurance policy if you are honest about your medical history.

After assessing your risk profile, the insurance company will decide on terms and conditions and the premium that you will pay for health coverage. Pre-existing conditions will result in higher premiums and a waiting period. You may also consider a critical illness policy if you need immediate coverage for your rapidly deteriorating health condition.

Conclusion:

Smoking can have a negative impact on your health, and your insurance policy. A higher premium will be charged by an insurance company if there is a risk involved in providing health coverage. Important: You should disclose all information about your health and smoking habits. If you are caught hiding or giving false information, your insurance company might decline to settle the claim.

 

NCAA 84vn Sheet

Fans of sports betting, whether they are into football or basketball, continue to grow in popularity. There are many reasons why people enjoy it. While some think it’s more enjoyable than simply watching a game, others see it as more serious and place bets on winning games to make money. There are many ways to place a wager. The handy and useful 84vn sheet is one of the options. People have many options when it comes to choosing which sports they want to bet on. The most popular sport is basketball, with many people placing bets on both NCAA and NBA games. These games have different rules and there are no set rules. How do sports betting sheets fit into the whole betting game?

Sports betting sheets are essential when one wants to evaluate, especially for the bettors, how a player plays or participates in games. A sports betting sheet can provide information about the team and their performance during previous games. A sports betting sheet can provide valuable information to help the bettor decide which team to place a bet on and help them to analyze their chances of winning. A sports betting sheet can contain a record of past games. It also provides a solid basis for predicting the outcome of the current match. These sheets are based on facts, so people can rely on them more than their gut feeling.

People are now looking for ways to increase their winnings and their betting experience in a world where sports betting is more popular than ever. A good sports betting sheet is one thing, but a betting system can make or break a betor’s chances of actually winning. When it comes to betting on sports, especially for those who intend to do this long-term, the importance of having a good system is also key. A good betting system will benefit the bettor as it allows him or her to increase his or her winnings over time. The bettor will feel more relaxed when placing a bet on a sporting event if he or she has a good betting system and a sports betting sheet. Because they have an idea, or at the very least, a prediction of what the outcome of the game they are betting on. This would make sports betting more fun and exciting, as well as make it more profitable. This is what every sports fan would want. Exhilaration and money? Sign me up

84vn Systems for the NCAA and NBA

Nearly everyone can find ways to increase their income. This could be in real-world office situations or entertaining activities that make a lot of money through profitable betting. 84vn is big in the sports world. It is absurd to not bet on your favorite sports team if you are passionate about the game. Betting is a passion for most sports fans. What are sports betting systems?

Strategies for betting on sports are strategies that give the gambler or bettor an advantage in the game. It’s like a grouping of activities that, when combined for a particular game for a certain sport, can show a very profitable situation in betting.

Sports betting systems can be confusing for a beginner. But if you can identify the best system, you can get the win-win situation that you’ve been looking for. How do you choose the most reliable and profitable betting system for your business?

Computer analysis tools can be used to determine the odds of betting on sports. The bettor then analyzes the results to determine which team is more favoured. There are also factors that can help determine sports betting systems. These factors, which are based on previous performance, include psychological, motivational and biological factors that favor one team over the other. A betting system’s success is generally dependent on multiple factors.

A great place to bet on basketball is the NCAA and NBA. It adds excitement and fun to every game. Additionally, it allows you to make extra income in an easy way. If you look at basketball sport betting from a global perspective, you will see that there are many avid fans who participate in a successful system and reap the rewards. Non-bettors may consider betting a wasteful activity or a wasteful investment, but many are making a living from this system. There is nothing better than betting. You both have fun and win endlessly.

It is essential to identify the most effective basketball betting systems in order to place successful bets on every game. The odds of winning are determined by betting systems. You will have greater odds of winning in the betting market once you are familiar with the odds.

Sports betting systems are the key to better and more consistent returns on your bets. Bettors should spend time researching the best betting systems for them at least one week before each game. You will be able to hit the jackpot every time you choose the one that suits you best.

Five Reasons to Use Digital Marketing Services to Transform Your Business

Don’t feel guilty if e-paper has taken over newspaper in your home. This is not a rare occurrence. In a few years, it will become a commonplace. This is due to the widespread penetration of internet services, the availability of high-end smartphones in remote parts of the globe and the ease of access. The online space is where most of the action happens, and it has become a popular hunting ground for many businesses.

Digital Marketing

Marketing is more than just selling products and services. It’s a holistic process that aims to create a predetermined impact. Marketing is an influential force that can transform businesses. Experts stress the importance of Forefrontcomms.com marketing to help a business grow. The internet is growing in popularity and offers ample opportunities for businesses – both new and existing – to capture market attention and turn it into tangible benefits.

Why digital marketing is essential for every business

Every business that wants to be a prominent player in their industry should use digital marketing. This process involves many channels and a variety of tools to achieve the desired goal. This process is more goal-oriented than traditional marketing methods and can deliver results faster than traditional methods. These are the top reasons to rely on it for a profitable business.

  • Concrete analysis, adaptation: Digital marketing uses user activity to gather concrete data about the target group. This data is real-time and updated regularly, which allows for more precise analysis. It is highly effective in forecasting market trends and adapting accordingly.
  • Unhindered communication Traditional marketing processes can create barriers that prevent messages from reaching your target audience. Digital marketing communication is free from such obstacles because it engages customers with undivided attention.
  • Customized content Communication strategists use data to determine messages that are easily understood by customers, address their needs or solve their problems, and direct them towards purchasing the products or services.
  • Customer tracking Digital marketing services target specific customers by identifying them using their device and their demography. Analytics are used to predict customer behaviours, preferences and determine their actions. It monitors customers from their first interaction through to the end of sales.
  • Dynamic approach This dynamic approach uses real-time data to reach the largest customer base, provide an immediate solution, and aid in sales. This reduces the time between procedures and encourages consumer engagement and sales.

Six Tips to Success in remote hub Job Interviews

Remote interviews may be possible if you are applying for a job in a different country, or if the manager is on a business trip. These remote hub interviews are becoming more common with the increasing globalization of the work market and technological advancements. These interviews are conducted over instant messengers such as Skype, or by telephone. It is important to be prepared and to have the right strategies to succeed.

Prepare yourself technically.

It is important to prepare all equipment and software for remote interviews. You can borrow a friend’s computer camera if you don’t have the funds to purchase one. No matter if you are interviewing over the internet or by phone, it is important to verify the connection.

It is important to be familiar with all aspects of the software and hardware you will use. It is important to be able to set the settings and troubleshoot common problems.

Do your research.

To learn as much about the company’s culture and history, you will need to do extensive research. It is important to check their website and their profiles on social media. It is important to gather enough information that will allow you to show them that you are the problem-solver they are looking for. It is important to know how to dress and approach the interviewer.

Practice.

This is especially important considering the fact that you will need to manage the technology while still focusing on the essence and job interview. Practice with a friend to get feedback on technical aspects such as volume, light, interference, and personal performance aspects such as confidence, clarity, and professional conduct. To ensure your best performance, take note of your weaknesses and work to remove them.

Arrange the right setting.

You will need a well-lit, quiet place for remote job interviews. It is important that your background, which will be seen by the interviewer, is clean and tidy. Your background should be professional. You should not have any personal photos or other items behind you. Books are a better choice.

Professionalism is key to a successful interview.

Dress professionally, from top to toe, as if you were going to a traditional interview. You should be punctual and have all your equipment ready. Focus on a positive attitude, smiling even when you can’t see the interviewer and focusing on your positive outlook. You should let the interviewer know that you are listening and say “yes” when necessary.

Use helpful cues.

Even though a camera has a limited range, it can still be used. This allows you to keep cues at the side of your computer. Notes can be prepared with company information, statistical data, and questions you intend to ask. These are not your cues. These cues should not be ignored.

Now you are ready to nail the remote job interview.

Alles, was Sie über Instagram Likes wissen müssen kaufen

Instagram Likes kaufen ist noch relativ neu, wenn es um Social Media Netzwerke geht. Es gibt viele Leute, die nicht wissen, wie man es richtig benutzt. Viele Menschen zögern, sich anzuschließen, aber es ist nicht schwierig.

Sie werden angenehm überrascht sein, wie einfach es zu bedienen ist, wenn sie sich die Zeit nehmen, die Website und die App durchzusehen.

Sie möchten Instagram beitreten, sind sich aber nicht sicher, wie Sie es verwenden sollen. Lesen Sie weiter, um mehr über Instagram zu erfahren.

Was ist Instagram?

Instagram ist ein soziales Netzwerk, auf dem Sie nur Bilder hochladen können. Nach der Anmeldung erhalten Sie ein Profil. Sie können einige Informationen über sich selbst hinzufügen, aber dann sind es nur Fotos.

Nehmen Sie ein Foto auf und laden Sie es dann in die App auf Ihrem Telefon oder auf die Website von Ihrem Computer hoch. Sie können ihm dann einen Namen und einige Tags geben und sogar Filter anwenden.

Sie haben die Möglichkeit, das Foto in anderen sozialen Netzwerken wie Facebook oder Twitter zu teilen. Sobald Sie die Freigabetaste drücken, ist das Bild jetzt live und kann von anderen in Ihrem Profil angezeigt werden.

Freunde

Sie können auch Freunde zu sozialen Netzwerken hinzufügen, damit Sie ihre Fotos in Ihrem Newsfeed und ihre in ihren sehen können. Du musst sie nicht persönlich zu deinen Freunden machen, aber es ist besser, wenn du mit Leuten beginnst, die du kennst.

Unternehmen können auch als Freunde hinzugefügt werden. Wenn Sie Turnschuhe fotografieren, können Sie die Marken und berühmten Sammler hinzufügen.

Sie werden dann von anderen mit ähnlichen Interessen gesehen und werden Sie mit größerer Wahrscheinlichkeit zu ihrer Freundesliste hinzufügen. Sie werden anfangen, neue Freunde zu finden und vielleicht Leute treffen, die Sie nie persönlich getroffen haben.

Stichworte

Da es oben erwähnt wurde, könnten Sie neugierig sein, was ein Tag ist. Ein Tag ist eine identifizierende Aussage oder ein Name, der Ihr Bild beschreibt. Wenn Sie ein Foto eines Hotels in Las Vegas haben, können Sie es taggen, indem Sie den Hotelnamen und den Standort hinzufügen.

Jedes Tag beginnt mit einem Hashtag, sodass es für Benutzer leicht zu finden ist. Benutzer suchen dann nach Schlüsselwörtern und Ihr Bild wird in den Suchergebnissen angezeigt. Sie werden beginnen, mehr Freunde zu finden, sobald mehr Leute Ihr Foto sehen.

Sie können Ihr Bild nicht sichtbar machen, wenn Sie kein Tag einfügen. Nur Ihre Freunde haben Zugriff auf das Bild. Sie können wählen, ob Ihre Bilder privat bleiben sollen. Wenn Sie Ihre Bilder jedoch mit Freunden teilen möchten, die ähnliche Interessen haben, können Sie sie taggen.

Grenze

Tags können für manche Leute zu viel sein. Ein Bild kann über 20 Tags enthalten. Diese Tags werden in den Suchergebnissen angezeigt. Instagram begrenzt die Anzahl der Tags, die Sie verwenden können.

Sie sollten mit Ihren Tags vorsichtig sein, wenn Sie mehr Freunde finden und mehr Menschen erreichen möchten. Es könnte so einfach sein, das beliebteste Tag zu finden und ein Foto dafür hochzuladen.

What is a bodyguard service London? A Secret Service Agent Lookalike? Are you a goon?

When one thinks of a “bodyguard”, what do they see? If one looks at the history of “bodyguard”, most people imagine a tall, muscular, mean-looking individual capable of lifting you with one hand and throwing you around the room.

Security professionals today refer to “bodyguards”, while our associates are called “executive protection specialist” or “EP agents”.

Let’s start with the first question. What is Executive Protection?

Executive bodyguard service London refers to the combination and deployment of security measures and countermeasures in order to protect the person protected (person protected) as well as corporate assets or property.

Executive protection does not just refer to the traditional image of a goon protecting a dignitary or V.I.P. Or celebrity. The modern protection agent image centers on:

o a “non-confrontational, incident avoidance” professional.

The offensive, tactical, and assault-minded individual is able to serve his/her purpose within a “compound”.

Today’s executive protection specialist can “cover and evacuate”.

PAST or TRADITIONAL IMAGE of an EXECUTIVEPROTECTION AGENT

A large stature and flashy clothes. Whether you are legally armed or not. Forceful and aggressive. Site protection only.

CURRENT IMAGE for an EXECUTIVEPROTECTION AGENT

Average height and business attire

This comparison and/or delineation brings me to a very important issue. Too often, a client in today’s business world calls on a company or individual he or she found through the yellow pages, internet or phone and ends up talking about their very serious issues directly with someone from the list.

Today, it is not uncommon for alleged professionals to emerge almost daily with their state licenses or no license at all. Then they hang up their shingles and go about business. For example, in New York and Florida, a private investigator’s license is required to provide Executive Protection or bodyguard service. No additional training or experience is required. This happens all too often, and the so-called professionals are referred to as “extraordinaire” Executive Protection experts.

They will forego any semblance or operational protocol such as’security advanced work’. And, often without conducting a proper threat assessment or vulnerability assessment, they offer clients protection services at ‘cut’ prices.

They compromise the quality of the service rendered to the client and also dilute the profession.

Unsuspecting clients won’t be able to understand why they are being charged rates as low at $40 or as high as $200 an hour.
Notable: A client can get the services of a qualified professional at a rate of $100-$125 an hour in their home, and a bit more for international assignments.

Truth be told, most of these “shingle-hanging non-professionals” couldn’t explain or elaborate on the essence and procedures of Executive Protection. They also don’t know the difference between vulnerability assessment and threat assessment.

Another myth in this industry is the belief in special ops experience being essential for this field. It is false. Domestically, the U.S. continental has a high-strategy, offensive combat experience that is not the end all’ or ‘be all’ of protective assignments. However, this experience can be very important in’very high-risk’ environments such as Colombia and Iraq. The normal, everyday protective assignment is usually a one man, sometimes two man detail, and rarely more. This type of routine protective assignment is often nothing more than an ‘armed escort,’ and without any advance security work.

Protective service without security advances is simply called ‘armed escort. This scenario will leave the protectors, particularly the non-professional’shingle hangers’, just as vulnerable to attack and robbery as the person being protected.

Vaoroi on TV

Although Vaoroi is not the most popular American pastime, it deserves to be. It is an exciting game that can be challenging. However, it can also help to build team spirit at high schools, colleges, universities, and communities. Supporting a particular squad lights up their local campuses and communities with tailgating parties, squad colors, and assemblies. It can be expensive to follow your favorite team and attend every game. If your team makes it to the finals, you will be paying a lot of money for plane tickets and season tickets. Tickets to big game days like the Super Bowl are difficult to obtain. It is much easier to follow a team, or catch up with out-of-state games, and it is also cheaper to watch football on TV.

Schedules for Football TV

First, you need to find out the schedules of any local games that you are interested. NFL.com offers the largest list of professional games. It also lists all regular and post season games. NFL.com lists all shows by date, time, and channel to ensure you never miss a single game.

The506 is a little-known resource that is gaining popularity. It provides maps showing the game areas and TV schedules for each NFL season on CBS and FOX. It was created by a fan using data from titantv.com. tv.yahoo.com. zap2it.com. and foxsports.com. For the weekend’s games, the maps are updated on Wednesday night or Thursday afternoon. If necessary, updates and corrections will be made on Friday.

ESPN is a great resource for all things football. Their website will only display the schedules of their network. The site provides game results, spotlights, articles, bios and bios of stars and up-and-comers, as well as schedules. You can also find fun features like countdown clocks for the NFL draft, contests, and sections where fans can win tickets to different games.

It can be difficult to follow college football teams on television, if you live in another state than your home team, and don’t have access to local radio, stations, and newspapers. While games from smaller schools might be broadcast on local college radio stations, fans of more popular universities like Ohio State, Penn State and Louisiana State can view them on major networks such as ESPN, COX, CBSC and CBS. You can find the game schedules on each team’s website. They are usually listed by Time, Network, and sometimes the replay schedule in case you missed the live broadcast. ABC, NBC and TBS will broadcast college games. Their schedules can also be found on their websites.

Five Best Tips for Microsoft free office for PC windows User

free office for PC windows users are growing in number from all parts of the globe due to various reasons, both personal and professional. There are many ways you can make the most of Windows PCs to help improve your career, personal life and business.

Here are the top 5 tips every Windows user needs to know to optimize their computer use to increase productivity, profitability, and creativity.

1. Optimizing Windows’ System Performance

FAT32 is slower than NTFS, and FAT32 has a lower speed and accuracy for processing system tasks. Disable Windows Indexing to get faster speeds. This allows you to process tasks such as online connections faster.

You can disable Windows Indexing by opening My Computer. Right-click on drive C, or any other drive that you wish to be included in the process. Click on Properties, and make sure you uncheck “Allow Indexing Service.” You can empty your computer’s Recycle Bin, and defragment all drives.

2. Get the Best of All with Free Software

A free alternative to Microsoft Office is available for those who have just purchased a computer or desktop. It provides the best performance and enhanced productivity. This is the incredible Open Office.

Openoffice.org offers this free software. It will take you to greater heights each day. To avoid malware and hacking, use Mozilla Firefox or Google Chrome instead of Internet Explorer to download and install Open Office.

3. Take advantage of the power of data encryption for Windows XP Professional

Windows XP Professional offers the ability to encrypt files in your folders or sub-folders. This provides enough security and privacy for your most important files, whether they are personal or business-related.

From My Documents, you can encrypt any file. Right click on the file that you wish to encrypt and then go to Properties. This will take you to the General Tab, where you’ll need to click on the Advanced button. Click “Encrypt Contents to Protect Data” Double-click OK. You will be prompted to choose a folder or files to finalize the encryption. This encrypted folder can be used to store additional files for enhanced file security and business solutions.

4. How to fix CD burning problems

There are many problems that can be encountered with your multimedia device. One of the most frustrating is burning a CD to reproduce your favorite music. Most people receive an error message telling them that the CD can’t be burned. Visit the website of your CD drive manufacturer to find compatible CD types. To fix the problem, replace the CD that is currently being used with one from the compatible list.

5. Online Safety and Shopping Security

You can shop online with just one click. It is possible to compare prices online for the item you want. You can save time and make smarter decisions about which deals are best for you. You only need an online account such as PayPal or Google Checkout to pay your bills. Then you can have the item delivered straight to your door.

Passwords, as well as other personal data, are protected from theft and fraud. If the seller provides a warranty for any item purchased, you can return it for a replacement.

You can now see the Windows difference at every cost!

Tips for Sports K8Viva Kien Thuc Nuoi Ga Choi- Reverse Teasers and If Bets

Reverses and “IF” Bets

Last week I mentioned that you can play “if/reverses” in your book instead of playing parlays. You may not be able to place an “if/reverse” bet. This article will explain and compare “if” and “if/reverses bets and parlays. It also includes the best situations for each.

A “if” bet sounds exactly like it does. If Team A wins, you bet on it. The same goes for Team B. Parlays with two games happening at different times are a type “if” bet. You bet on Team A and, if it wins, you place double bets on the second team. A true “if” wager is one that you place an equal amount of money on both the first and second teams.

By telling your K8Viva K8Viva Kien Thuc Nuoi Ga Choi bookmaker that you would like to place an “if” wager, you can save two calls to the bookmaker. You can also place “if” bets on simultaneous games. The bookmaker will not place a bet until the first game has ended. The bookmaker will place an equal amount on the second match if the first one wins.

An “if” bet can be two straight bets at normal Vig, but you cannot cancel the second one later. The second bet cannot cancel after you have placed an “if” wager, even if the first game hasn’t yet started. If the first win, you’ll have action for the second. An “if” bet is more controllable than two straight bets. If the games that you are betting overlap in time, placing an “if” bet will allow you to only bet on one game if the other wins. Cancellation of the second bet is possible if two games overlap in timing. You will need to note that if the games begin at different times, many books won’t allow you fill in the second one later. When placing a bet, you must identify both teams.

If you want to place an “if” wager, tell the bookmaker that you would like to place an “if”. Then, ask them to give you Team A IF Team C for $100. This instruction will allow you to place $110 on Team A to win $100. Then, if Team A wins, you can wager $110 on Team B to win $100.

The “if” betting bet does not apply to the second team if the first team loses. Your total loss on the “if” bet, regardless of whether the second team wins or loses, would be $110. To win $100 if the first team wins, however you would need to place a $110 bet. If the second team loses, you would only lose $10. For a total win amount of $200, if both teams win, you will win $100 on Team A, and $100 on team B. The maximum loss for an “if” is $110 and the maximum win is $200. This balance is offset by the fact that you lose the entire $110 instead of $10 for each team that splits with the losing team.

It matters a lot which game you place first in an “if”, bet. Splitting means you lose the entire bet if you place the loser in the first game. If you split and the loser is on the second team, you lose the vig.

The best way to avoid uncertainty due to the order of wins or losses was to place two “if” wagers, one on each team and one on the other. Instead of wagering $110 on Team A if team B, you could bet $55 on Team A If Team B. For $55, you can make another “if” wager that reverses the order of the teams. This second bet would place Team B first and Team C second. This double bet reverses the order of the two teams and is sometimes called an “if/reverse” (or just a “reverse”).

A “reverse” refers to two distinct “if” wagers.

For $55 Team A, Team B will win $50.

For $55 Team B can win $50.

Both bets don’t have to be stated. Simply tell the clerk that you wish to place a “reverse” bet.

The result of a double “if” wager for $100 would have the same outcome if both teams win. For a total win, you win $100 on Team A, $50 on Team B and $50 on Team A. The second “if” bet gives you a win of $50 on Team A and $50 on Team B. This totals $100. When both teams win, the total win is $200.

Both teams losing would result in the same outcome as if they had played one “if” bet of $100. In the first “if” combination, Team A’s loss would result in $55 and Team B would lose nothing. The second combination would see Team B lose $55, while Team A would be left with nothing. Each bet would result in a $55 loss, with a maximum loss of $110. If both teams lose, you’d lose $110.

Splitting the teams can result in a difference. The difference is that you lose $60 on a split regardless of which team wins or loses. Instead of losing $110 if the first team loses and wins, and $10 if the second team wins but loses, This is how it works. You will lose $55 if Team A loses, but nothing on Team B that wins. The second combination will give you $50 on Team A and Team B action for $55. This results in a $55 net loss. You will lose $60 on the reverse if you combine the $55 loss on the first “if”, and $5 on second “if”. For the same $60, Team B will lose the $5 vig for the first combination and $55 on combination 2.

This smaller loss has been $60, instead of $110. There is no decrease in win when both teams win. The win for both the $110 “if”, and the $55 “if reversed” bets is $200 when both teams cover. However, the bookies would not place themselves in such a position. If Team A loses, the $50 gain is offset by the $50 loss ($60 rather than $10) when Team B loses. The “reverse” is not a cost-saving strategy, but it can make the risk less predictable and eliminate the concern about which team will win the “if” bet.

This is an advanced discussion on betting techniques. Do not bother with charts or explanations if they cause you headaches. Instead, just write the rules. In my next article, I will summarize the rules and provide a copyable list.

The general rule for “if” bets, just like parlays, is:

If you are able to win 52.5% or more of the games, DON’T. You can save money if you are not able to win consistently.

The “if” bet is a winning strategy that adds a certain amount of luck to the betting equation. Both games should be bet if they are worthwhile. You should not place bets on either one or the other based on how you will win. The “if” bet, on the other hand, will stop a bettor with a negative expectation from placing bets on the second team if the first team loses. The “if” wager saves the bettor with a negative expectation some vig by preventing certain bets.

The “if” bettor saves $10 by not beingt on the second game, when both teams lose. The “if” bettor is more expensive than the straight bettor. He pays $100 if Team A loses, and Team B wins. But he saves $110 if both Team A and B lose.

It is important that the loser does not bet more games. “If” bets can reduce the number games the loser wagers.

The winning bettor follows the exact opposite rule. Anything that prevents the winning bettor betting more games is bad. Therefore, the winning handicapper will lose money. The winning bettor will play fewer games and have fewer winners. Keep in mind that if someone tells your that you can win, they are likely to say that it is better to play fewer games. Smart winners never want to lose more games. Because “if/reverses” are exactly the same as “if”, they place the winner at the same disadvantage.

Exceptions to the Rule – When a Winner Should Place Parlays and “IF” Bets Parlays and “If” wagers should only be placed by winners with positive expectations in the following two situations:

If he has no other option, he must place a “if/reverse”, a parlay or a teaser bet.
If you are placing co-dependent wagers
There are only two situations where you can’t make a decision.

The old philosopher once said, “Is this what’s bothering you, bucky?” If you feel this way, raise your head, smile, find the silver lining and place a $50 “if” bet on your teams. You could also bet on a parlay. However, as you’ll see, the “if/reverse”, if you win, is a great substitute.