Old School Online Gaming

Ever wondered what your parents and the adults played for fun back in their day? Or before the existence of Nintendo Wii's, Playstations, and World of Warcraft, what were the games that people played with the computer? Online gaming back then was not as high-tech as what you play now but they delivered the same amount of fun that today's online games give you. Take a journey down old time geekery and see what was deemed as hi-tech back then:

1. # TradeWars 2002
A space game developed in 1984. In TW2002, the player is a galaxy trader where the main objective is to gain control of a limited set and amount of resources, as you travel in different sectors of the galaxy. Using your earned wealth in trading, you can upgrade your spaceship, get better weapons and fight for control of planets and starbases.

2. # MUDs
Also known as Multi-User Dungeon, this is a text-based multiplayer real-time virtual world that started in 1978. It combined elements such as role-playing games, hack and slash, player versus player, interactive fiction, and online chat with a fantasy setting populated by fictional races and monsters. The objective of the game is to slay monsters, explore a fantasy world, complete quests, go on adventures, create a story by role-playing, and advance the character.

3. # MUSHes
MUSH, generally called a Multi-User Shared Hallucination, is somewhat of a text-based Second Life where you can create anything you want, be anyone you want, and do anything that you want in a multi-user game. With the popularity of MUDs in the 1980s, many variations emerged such as TinyMUD in 1989. MUSH was then created by Larry Foard who used TinyMUD's code and added a different programming language.

4. # Hunt
The old school Before Doom, created in 1985 by Conrad C. Huang and Gregory S. Couch, is represented using ASCII characters on an 80×24 terminal screen. Hunt is a multiplayer game where each player wanders around a maze, killing off other players using guns, bombs, and slime. Players can also form a team. The maze, when destroyed, regenerates over time, during which "deflectors" appear, changing the direction of the projectile. Sometimes a "wandering bomb" appears, exploding when contact is made.

5. # Empire 3.84
Considered as the grandfather of all Internet games, Empire 3.84 is a risk-like conquer-the-world game with its original version appearing in 1971 on a PDP-11/45 mainframe computer at Harvard University. It gained popularity for being cited as one of Sid Meier's inspiration for Civilization PC game series.

6. # BBS Door Games
Since the technology in the old days was pretty much text-based, online games back then usually were also text-based games played over the modem on an amateur-run bulleting board system (BBS). Supporting only one phone line, there was not WiFi back then, so players usually had to take turns when playing, but still they can compete against each other.

7. # FIBS
The First Internet Backgammon Server pretty much tells us what it is, it's the first backgammon server on the Internet. Started in 1992, it has become one of the most popular online games to play backgammon against other players around the globe.

Making Money – Get Paid to Refer

Sounds simple, making money by getting paid to refer, but is it really possible to make money by just referring people. Well the simple answer is yes you can. I came across this about 18 months ago and have been slowly but steadily seeing my earnings from it grow.

We all actually play a part in this chain. I'll give you an example:

Not so long ago I was spending a lot of time on Twitter and Facebook seeing what my buddies were up to, when one of them stated that they managed all their social profiles as well as all their email addresses in one easy desktop application called Digsby. I thought that was a pretty smart idea so I downloaded the free software and now use Digsby for handling all my social networking accounts.

Now even though I did not have to pay for Digsby my buddy who referred me was able to make money by referring me, so he was 'paid to refer', and there are 1000's of really useful software tools like that you can get paid from forseeing. Also there is a digital information warehouse that you can join for free, make money get paid to refer any of the 10'000's of the products and services that you refer of their. People can download whatever they buy straight way and you get paid money for referring them straight away too.

I know people who make 1000's a month getting paid to refer, and the ones that do not are the ones who think they are there to sell, selling does not work it's as simple as finding a group of people really eager for a solution say one on "how to train Labrador puppies" and then referring the to a digital product at ClickBank to solve their problems, it's a win win situation.

The best place to learn how to 'make money money paid to refer' is from the someone who does it every day, well the people who do it every day are called affiliate marketers.

Affiliate marketers get paid a commission on everything they refer and it does not stop with digital downloadable products either, you can take a look at company's like Commission Junction, Linkshare or even Amazon just to name a few, and make money getting paid to refer tangible goods of all kinds, it really just depends on what your into.

The Secret of Successful Container Gardening

Container gardens are great, and a lot of people are starting to look at container garden ideas today for convenient ways that they can start one. If you don’t have a lot of space but you want to grow some vegetables, flowers, or plants, you need to check out container gardens and how they can work for you. You’ll be amazed how with the right steps and secrets, you’ll know how to grow a container garden that is flourishing and looks outstanding.

Have Containers that Work for You

The great thing with a container garden is that you can use any sort of container that you want. So, if you want to use a container that is a rubber boot, you can do that, and that draws a lot of people to this style of garden. But, no matter what container you are using, you need to make sure that there is proper drainage. There are a few different ways that you can create drainage, you can do a layer of rocks at the bottom so that there is room to drain where the roots won’t grow, or you can go ahead and put holes in the containers. You also need to make sure that the containers that you are using are going to be big enough, you need to have containers that are big enough for the size of the roots that are going to grow, otherwise the plant will die off or you will stunt the growth.

Have the Correct Soil and Light Conditions for What You’re Growing

The other factor that is really important with what you are growing and your container garden is having the correct soil and lighting conditions. With soil, you will find that you may need to have different soils for different plants, so one container may have a different pH than the other soil that is out there. Also, check the light conditions so that you know if the plants that you are growing have enough light. Different plants need different amounts of light, so it will depend on what you are growing in your container garden and how much light that they need. Generally, it is best to give them light that is less harsh, like morning light instead of afternoon light that can actually burn the leaves or harm the plants. Make sure that you have the right soil and light conditions so that your plants can flourish in it and grow to what you want.

Have a successful container garden with all the tools that you need, there are all kinds of little things that you need to do, but knowing these tips and tricks will make it a lot easier to handle. There are all kinds of little tips and tricks that will give you an extremely easy to grow container garden. See what works the best for you and use these container garden ideas to get a great looking container garden that is going to look amazing and be extremely functional, you’ll love it.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.