Get 27% Rakeback on Full Tilt Poker

Your bonus code is: POKERONLINE247

Rakeback Rate

• 27% rakeback and $600 sign up bonus

High Volume and Team Rakeback Rates

• 27% is the maximum rate allowed by Full Tilt

Poker Network

• Independent

Current Sign Up Bonus Offer

• 100% up to $600 for ALL new players + 27% Rakeback

Additional Poker Room Promos

• None at present

Tournament, SnG Fees and Bonuses

• Tournament & SnG Fees are included in rakeback calculations – Bonuses are deducted from rake

Multi-Table Capabilities

• 16 tables at one time. 12 SNG/Tourney max and 8 ring game max, but no more than 16 tables at any one time.
• Players can email FT support to get 16 of either but the total maximum cannot exceed 16 tables.

Special Payment Features

• Full Tilt rakeback is paid directly to your poker account every week (usually on Fridays)

How is Player Rake Share Calculated

• Dealt – Rake per person is total rake in hand divided by number of players involved in hand.

Poker Room Support Details

1. support@fulltiltpoker.com

Full Tilt Poker is upping the ante in our Guarantee tournaments.

Now you can play in our $1,000,000 Monthly Guarantee tournament for your share of a guaranteed, million dollar prize pool.

If you’d like play for your share of a huge prize pool, join our $1M Monthly Guarantee tournament. Satellites for this $500 + $35 tournament start at just $1 or 50 Full Tilt Poker Points and are running now. What’s more, if you continue to play in our satellite tournaments after winning a seat in our $1M Guarantee tournament, we’ll credit your account with 535 T$ if you win again.

With at least $1,000,000 up for grabs, there’s never been a better time to play at Full Tilt Poker.

Win as many satellites as you can to participate in this month’s $1M Guarantee Satellite Challenge. First place gets $1,000 and second place gets $500. For more information, see the Satellite Challenge Rules.

• 4 WSOP Bracelets
• 2008 WSOP Europe Main Event Champion
• 3 Best All Around Player awards
• Over $8.5 Million in Career Tournament Earnings

John “JJ” Juanda plays online exclusively at Full Tilt Poker.

John started playing tournaments in 1996 and won the World Poker Open Championship in 2001. The following year, he won his first World Series of Poker bracelet (in the Ace to Five Triple Draw Lowball event), and then won two more WSOP events in 2003.

In 2002, John was named Tournament Champion of the Year, and was the 2001 and 2002 Runner-Up in the Card Player “Player of the Year” standings. He also has three Best All-Around Player awards.

John made 15 final tables in 2004, and placed fifth in both the 2005 Five-Star World Poker Classic and the 2005 National Heads-Up Poker Championship. Most recently, he earned nearly $500,000 in Monte Carlo, Monaco after winning the Monte Carlo Millions Consolation tournament, finishing sixth in the Monte Carlo Millions Main Event, and finishing second at “The FullTiltPoker.Net Invitational Live from Monte Carlo.”

In 2006, John beat out some of the best poker players in the world including Phil Ivey, Barry Greenstein, Jason Gray, and Jeff Lisandro to win the Aussie Millions Speed Poker Million Dollar Challenge. He received $1,000,000 in Australian Dollars, which works out to around $732,000 in U.S. Dollars. John continued to cash regularly on the tournament circuit in the following years, posting two top-10 finishes at the 2008 WSOP, taking seventh in the $5K No-Limit Hold ‘em Shootout tournament and sixth in the $5K Pot-Limit Omaha event.

John had one of the best weeks of his career at the start of October 2008. He won the 2008 WSOP European Series Main Event Championship in London, claiming his 4th bracelet and more than $1.5 million in prize money. This included a historic final table, as it set WSOP records for length at 19 hours and 10 minutes, along with the number of hands played at 484. Within the week, he added over $570,000 to his earnings by placing second in the EPT London £1 Million Showdown.

Look for John playing online at Full Tilt Poker.

Take part in the FTOPS XI Satellite Challenge and put your game to the test by winning as many FTOPS XI tournament entries as you can.

Win your first entry into any of our FTOPS XI events and we’ll automatically register you for that event. For every additional satellite you win to that event, we’ll credit your account with T$s equal to the tournament entry. For example, if you win five satellites into the $500 + $35 FTOPS XI Main Event, you’ll receive a tournament entry and $2,140 in T$.

Win more event entries than anyone else and receive the T$ equivalent of two more buy-ins. Finish in second place in any of our FTOPS XI Satellite challenges and receive the T$ equivalent of one more tournament buy-in.

Take on the challenge and prove that you’re a satellite star today.

Satellite Challenge Rules

• Event #1 $200 + $16 NL Hold ‘em
• Event #2 $240 + $16 PL Omaha/8 Knockout
• Event #3 $200 + $16 Stud
• Event #4 $300 + $22 NL Hold ‘em 3xShootout
• Event #5 $200 + $16 Limit Hold’em 6-max
• Event #6 $500 + $35 PL Omaha 6-Max
• Event #7 $100 + $9 NL Hold ‘em Rebuy
• Event #8 $240 + $16 NL Hold ‘em Knockout 6-max
• Event #9 $500 + $35 NL Hold ‘em Heads Up
• Event #10 $300 + $22 NL Hold ‘em
• Event #11 $200 + $16 HA (half PL Hold ‘em, half PL Omaha)
• Event #12 $1,000 + $60 NL Hold ‘em Second Chance
• Event #13 $200 + $16 NL Hold ‘em 1 rebuy and 1 add-on
• Event #14 $500 + $35 HORSE
• Event #15 $200 + $16 NL Hold ‘em Turbo 6-max
• Event #16 $200 + $16 Omaha/8
• Event #17 $300 + $22 NL Hold ‘em 6-max Rebuy
• Event #18 $200 + $16 PL Omaha Heads Up
• Event #19 $300 + $22 NL Hold ‘em 4xShootout 6-max
• Event #20 $200 + $16 NL Hold ‘em 6-max
• Event #21 $300 + $22 Razz
• Event #23 $100 + $9 PL Omaha Rebuy
• Event #24 $120 + $9 NL Hold ‘em Knockout
• Main Event $500 + $35 NL Hold ‘em

Play Online Poker

Earning Points

Start earning Full Tilt Points by playing in any qualifying raked real-money hand in a ring game or a real-money Multi-Table Tournament or Sit & Go with a tournament fee:

• Ring Games: For each dollar raked from a pot, every player who was dealt cards for that hand will receive 1 Full Tilt Point. For example, if $2.00 in rake is taken from a pot, each player who was dealt cards will receive 2 points. Fractional points are also awarded; if $2.25 in rake is taken, players will receive 2.25 points. A maximum of 3 points can be earned per hand.

• Tournaments: For every dollar paid in Multi-Table Tournament or Sit & Go fees, you’ll receive 7 Full Tilt Points. There is no limit to the number of points you can earn per tournament. For example, if you play in a tournament with a $10 buy-in and a $1 tournament fee, you’ll receive 7 points; if you play in a tournament with a $200 buy-in and a $16 tournament fee, you’ll receive 112 points.

Spending Points

Once you’ve earned enough Full Tilt Points, you can use them to:

• Get clothes, electronics, books, DVDs and more from the Full Tilt Poker Store; earning points is the only way to get the items available in the store
• Enter exclusive Full Tilt Points tournaments, where you can win entries to satellite tournaments and other great prizes

Keep track of your points balance by clicking the red Cashier button in the game lobby.

Double and Triple Points

Earn double or even triple Full Tilt Points just by playing in your favorite ring games and tournaments during our daily Happy Hour periods. Look for specially designated tables with the “smiley face” next to them in the game lobby to start earning points faster. Your bonus points will automatically appear in your account, so all you have to worry about is how to spend them.

If you haven’t already, download Full Tilt Poker and start earning Full Tilt Points today.

Turn $22 into your share of a $100,000 guaranteed prize pool by playing in the $100K Double Deuce every Sunday at 16:35 ET (21:35 GMT). Buy in for $20 + $2 for your chance to play for the winner’s share of the prize pool, guaranteed to be nearly $20K each week.

Our biggest little tournament, the $100K Double Deuce gives you the opportunity to turn a small buy-in into a huge score. You can satellite into this tournament for as little as $0.60 or 200 Full Tilt Points – imagine turning just $0.60 into almost $20K for a victory!

Play Online Poker

Our biggest Guarantee tournament of the week just got even bigger.

Join us at 18:00 ET on Sunday to play for the winner’s share of a prize pool guaranteed to be worth at least $750,000. Registration for this giant tournament costs just $216 with satellites starting for as little as $2 + $.25. You can also win your way in using just 300 Full Tilt Poker points.

What’s more, if you continue to play in our satellite tournaments after winning a seat at our $750K Guarantee tournament, we’ll credit your account with 216 T$ if you win again.

Register today and have fun playing your way to some serious cash.

Win as many satellites as you can to participate in this week’s $750K Guarantee Satellite Challenge. First place gets $400 and second place gets $200. For more information, see the Satellite Challenge Rules.

Now you can play in our $1,000,000 Monthly Guarantee tournament for your share of a guaranteed, million dollar prize pool.

If you’d like play for your share of a huge prize pool, join our $1M Monthly Guarantee tournament. Satellites for this $500 + $35 tournament start at just $1 or 50 Full Tilt Poker Points and are running now. What’s more, if you continue to play in our satellite tournaments after winning a seat in our $1M Guarantee tournament, we’ll credit your account with 535 T$ if you win again.

With at least $1,000,000 up for grabs, there’s never been a better time to play at Full Tilt Poker.

Win as many satellites as you can to participate in this month’s $1M Guarantee Satellite Challenge. First place gets $1,000 and second place gets $500. For more information, see the Satellite Challenge Rules.

Play for your share of the more than $1 million in guaranteed prize pools on Big Money Sundays by competing in these great events:

• The Sunday Brawl – The fight begins at 14:00 ET (19:00 GMT) where you can play for Knockout Bounties and your share of $350K in guaranteed prize money
• The $750K Guarantee* – Take a seat in our biggest weekly guarantee tournament starting at 18:00 ET (23:00 GMT)
• The Sunday Mulligan – Tee it up one last time in our popular $200K Guarantee at 19:05 ET (00:05 GMT).

Satellites for all of these events – and our other popular Guarantee tourneys are running now starting for just $2 + $.25 or 50 Full Tilt Points.

Start playing today and see why Sundays are big money days at Full Tilt Poker.

*One Sunday every month the $750K Sunday Guarantee will be replaced by the $500+$35 $1M Monthly Guarantee.

• 1 WSOP Bracelet
• 2 WPT Championships
• 2004 WPT Player of the Year
• Over $7.3 Million in Career Tournament Earnings

Erick Lindgren plays online exclusively at Full Tilt Poker.

Erick won his first major tournament at the Bellagio in 2002 and followed that up with his first WPT win just 10 months later. Not even six months after that, Erick won the Poker Million III, where he walked away with the million dollar top prize.

Erick came back strong at the start of 2006, when he took third in the WPT No-Limit Hold ‘em Championship event at the Borgata Winter Open. Then, Erick won the Fourth Annual Five Star Poker Classic. In June 2006, Erick won $600,000 in the $120,000 No-Limit Hold ‘em event at the “FullTiltPoker.Net Pro Showdown at the Red Rock Casino.” After that, he cashed in four events at the 2006 WSOP, finishing second in Short Handed No-Limit Hold ‘em to fellow Full Tilt Poker pro Jeff Madsen.

After a few months rest, Erick returned to form at the 2007 Aussie Millions where he won the Main Event and more than $795,000 in prize money. He cashed in a number of tournaments throughout the rest of the year, including two top-10 finishes on the WPT and an eighth-place finish in the WSOP’s $1,500 No-Limit Hold ‘em Shootout event.

In June of 2008, Erick earned his first WSOP bracelet. He worked his way through a starting field of 331 players to claim victory in the $5K Mixed Hold ‘em event. In addition to his bracelet, Erick earned over $374K. That victory brought Erick’s career tournament winnings to more than $7 million and moved him to 20th on the all-time money list.

Given his drive and competitive nature, we’re sure he won’t stop there.

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Web design studios may be local and virtual. Local studio may be your choice if you live in a big city and you know at least couple of web designers across the road. It is much easier for you to use their services then to chat on ICQ with sales managers or try to explain them your project by phone. But wait! Virtual Design Studios give you ultimate choice between quality and price. You may search the Internet to get the best quote. There are thousands good companies from all over the world waiting for your order and the more choices you have the better for your business.

Let’s face it: people who come to web design agencies fall into two categories in most cases: the first one is people who have little or no knowledge about Internet development and came because they want professionals to help them.

The second one is users who could make some money online, they usually good informed and know a lot of things about web design, promotion, link building, search engine optimization etc, but they also know that professionals can and will do design better. That’s the point of web design agencies: we make tools for online business: clean and quality, original and unique.

If you belong to second category so you probably had some experience in site building and know what you can expect form web design companies but I believe following text may be useful even for you as my advices will help to reduce production time and design efforts and finally total project cost.

If you never had a chance to build your website I strongly recommend to read this article. It may be your guide in the world of professional web design.

Now let’s see how you can make life easier to your web design company. You can think: if I pay the money it is not my problem how to get the best website but that will be wrong attitude: the better YOU understand what you need the easier and faster it can be achieved by designers.

First of all you need to sit down, take a peace of paper and take some notes:

The first thing you will have to deal with has nothing to do with the web design itself, it’s more related to content writing but it must be defined and will effect the rest of your actions. So first of all you need to decide:

1) What is the topic of your future website?

2) What is the goal of the site you are making?

3) What are you trying to achieve with your site. Specify a goal, preferably in one short sentence. All the time you will have to remember: only if you clearly understand what you need you will be able to explain this to web Design Company

4) Write a good description of you goals, aims and themes. Write how you are going to achieve them. When I say “good description” I mean really good, so that somebody, how knows nothing about your project could understand what you need and what you want. Web designers can not read your minds, so do not even test them. They simply cannot do that. I may recommend to give your description to somebody you trust but who does not involved in your company and knows nothing about your project. Ask your wife or your best friend, if they understand everything that will give you the idea that description was done correctly.

5) Search for competitor’s websites and note good ideas they implement on their websites. Let design company know what you like and what you do not like. Ask them not to copy the stuff from competitor’s websites but to create something better. I’m sure designers will come with something unique and beautiful if they will only know that you accept it.

These are the main points you have to be aware before starting order website design from web design studio. These tips will help you to save tones of money and efforts. Select Design Company wisely and as I said before: the better you understand what you need the easier it will be explain to designers.

You may reprint this tutorial for free as long as the content, About the Author sections and all links remain unchanged.

About The Author
Oleg Lazarenko
Production manager of Metamorphosis Website Design Studio -
Custom design, Website Templates, Web design Articles, and Tutorials.

If you have a website specialized in a specific topic, well positioned in search engines, and driving a respectable amount of traffic, this option could become an excellent source of extra income for you. There has been information about websites producing six figures incomes for their owners.

Once you are approved to begin displaying context-relevant ads in your website, all you need to do is choose the ad size and style, copy the code generated by the system, and paste it into your web pages in the place you want the ads to be shown, after this, ads will instantly start appearing in your web pages, and you will get paid for every click on an ad displayed in your website.

Affiliate Programs
Also called Referral Programs, Alliance Partnerships and Associate Programs, this is a great business opportunity for those that already have a website, to earn money selling merchants products online. Affilate Programs are partnerships between an affiliate and an online merchant. Merchants pay their affiliates for referring customers to their business.

Affiliate programs is the best option to make money online without having your own product, is a fast and easy way to start your own online business. Most affiliate programs are free and easy to join.

Online merchant accounts are variations of the traditional credit card processing used by retail stores and phone order houses. A business must qualify for merchant account; each provider has a different set of requirements.

Account opened through a bank that is a member of the Visa, MasterCard, or other credit card network which allows merchants to accept credit cards from purchasers. The funds are then transferred electronically to the merchants bank account.

A business providing merchant account establishment and transaction processing services. It may also provide e-commerce software and handle such things as digital delivery. Independent sales organization (ISO); ISO’s act as a third party between the merchant and the acquiring bank (Merchant Bank)

As your merchant service provider, there are many Merchant Account service provides to help you in this endeavor. In this regard you have to choose a right Merchant account service provider that fills your all needs.

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It’s pretty safe to say that virtually any of us would love to be a successful entrepreneur. The trick is getting started on this path to financial security. So many of us don’t even have a clue what we wish to do in life. This is clearly an obstacle in the road. However, you can go to college and slowly figure this one out. You know, take in some knowledge, attend a few job fairs, and maybe even do some job shadowing. It’s all wonderful experience that can aid you with your future success. After all, you have to begin at some point.

It’s true; I wanted to become a successful entrepreneur by the age of 20. Unfortunately it didn’t happen that way. I was so busy doing nothing that I must have missed the opportunity. I wish someone would have come out and told me that I had to be aggressive, motivated, and driven. How was I supposed to know! I was merely a kid at the time. Anyway, these are crucial characteristics to adopt if you plan to become a successful entrepreneur. You basically have to know what you want, and go get it. Don’t give up at the first sign of trouble. This is a mere test to see if you’re worthy. Proceed on and capture your dream. That’s the way all success stories happen. Okay, well maybe except for Paris Hilton. That woman somehow makes oodles of money by just acting glib. Well maybe she’s not acting after all. Regardless, for the majority of us, a good amount of work and dedication is involved to reach the pinnacle of success. Fortunately you can get tips and pointers from the masters. So if you’re itching to be a successful entrepreneur in the near future, then I suggest you do the necessary recon work first. Hop on your PC or Mac and see what’s up. You can purchase books on how to become a successful entrepreneur. Take advantage of these wonderful sources.

So maybe you’re not quite a successful entrepreneur yet. Don’t fret over this minor issue. It’s time to get your butt in gear. It’s time to brainstorm and decide what the things are you feel passionate about in life. What are you great at? How can you make money with these things? It’s all there if you just think hard and go after it. With the Internet on your side and the world at your fingertips, you too can become a successful entrepreneur.

Have you ever noticed that with the beginning of each season there seems to be a push for people to make improvements in their lives? When the New Year arrives most people talk about making new years resolutions. When spring comes people talk about wanting to shed a few pounds to fit into summer apparel. In the fall people discuss that they are going to plan for holiday time better and at the holiday’s people make promises to make more of an effort to stay in touch with family members and friends. Usually within a few weeks of making a statement about changing our ways we are back to our old routine.

There are a few tips that you can take to help achieve your goals. One of the most important things to do is to write down the goal that you want to work on. By writing the goal down you are making more of a commitment to work on this area of your life. If you seriously want to achieve your goals discuss them with the important people in your life. By sharing what you want to accomplish with others they can help keep you accountable by asking you what you are doing to achieve your goals. Give your friends and family permission to remind you what you have said you want to accomplish.

When you are working towards something it is often times easy to forget or overlook small steps that are made to achieve your goals. By keeping a journal of the steps that are taken to achieve your goals you can look back and see that you have been working on things, or you can look back and realize that you have not been making effort and that you need to put more time into what you want to accomplish. The goals we set for ourselves are meant to better our lives and to increase our happiness. The journey towards goal achievement does not have to be paved with self denial and pain. Make an effort to enjoy the steps made along the way. Bask in the glory of making small improvements. Things are not going to change over night. If a goal is worth writing down and talking about it is most likely going to take a while to achieve it. So often people let their goals fall by the wayside because they feel defeated if they do not accomplish them immediately. When you are writing down the goals that you are working on also write down a reasonable time frame in which to complete them. Do not make the time so long that you will procrastinate and do not make it so short that you are setting yourself up for failure. Be realistic and take time to enjoy the journey to achieve your goals.

Cash advances have their interest rates higher than most credit card companies, and that in itself explains a lot if you want a cash advance. If you do want a cash advance, then you must be prepared to pay a lot of interest. You must do research before applying for a cash advance loan.

There is one way to do the research that will answer most, if not all of your questions: the Internet — all you have to do is search for “cash advance” and you will find out all the information that you need. But don’t be drawn in by the smiling faces everywhere saying how cash advances saved them from so much debt, just browse around and look at the fine print and the interest that you have to repay the company. This kind of simple research will make you aware of the situation before you get the shock of the repayment structure.

Research is a priceless tool — it can save you lots of cash that you would rather keep than give to a cash advance company that doesn’t deserve the extra money. It is your money, and if you do your research, then you will find the best cash advance company that wants you to keep your money and they will understand that you want your money along with a lower interest rate.

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• 8 WSOP Bracelets
• 1 WPT Championship
• Over $9.2 Million in Career Tournament Earnings
• Top 10 All-Time Money List for WSOP

Erik Seidel plays online exclusively at Full Tilt Poker.

Erik was born and raised in New York where he started out as a backgammon player. He spent eight years on the backgammon tournament circuit before moving on to the stock market. For years, Erik traded on Wall Street and played poker on the side. Now he lives in Las Vegas and it’s the other way around.

The first time Erik played in the World Series of Poker Championship Event, he finished second. He made it back to the final table of the Championship Event in 1999 where he finished fourth. Erik won his first bracelet in 1994 in the $5K Limit Hold ‘em event. In 2005, he made four final tables at the WSOP and he won his seventh bracelet in the $2,000 No-Limit Hold ‘em tournament. In 2007, Erik won his eighth career bracelet, tying him for fourth all time with the legendary Johnny Moss.

Erik started 2008 in style, taking second place and $880,000 in prize money at the Aussie Millions Main Event. Just three months later, Erik bettered his results by winning his first World Poker Tour Championship and nearly $993,000 at the Foxwoods Poker Classic. He continued his fine play at the 2008 WSOP where he made two final tables, claiming fifth place in the $10K World Championship 7-Card Stud tournament and fourth place in the $1,500 Pot-Limit Omaha tournament.

When not playing in tournaments, Erik listens to music, plays tennis, and can be found playing poker online at FullTiltPoker.

• Over $7.1 Million in Career Tournament Earnings
• The Only Player to Win Four WPT titles
• Winner of the 2007 Aussie Millions Main Event

Gus Hansen plays online at Full Tilt Poker.

Gus was born on February 13th, 1974 just outside of Copenhagen, Denmark and grew up playing a lot of sports, especially tennis.

Gus has always been fascinated by numbers and math. When he was introduced to backgammon, it became a challenge and he practiced intensively until he was ready to test his skills around the world. Gus ended up in New York, touring backgammon and gin rummy clubs, and hanging out with guys like Huckleberry Seed and Phil Laak. It was during this time that Gus was introduced to various types of poker, including Stud games.

Gus played his first World Series of Poker in 1996 but, looking back, says he had absolutely no chance of winning, as he had never really played No-Limit Hold ‘em before then. After being knocked out on the first day, Gus decided to start practicing more, testing new plays and experimenting with different styles. Experimentation and mixing-up his style has been part of Gus’ game ever since.

By 1998, Gus found himself playing more poker than backgammon, and making more frequent trips to Las Vegas. When the World Poker Tour kicked off in 2002, Gus had developed a loose, aggressive style that immediately paid off, both in terms of money and recognition.

Gus won the WPT’s inaugural event, the $10,000 No-Limit Hold ‘em tournament at the Five Diamond World Poker Classic. Later that year, Gus took down another event, the $10,000 No-Limit Hold’em Championship at the WPT’s L.A. Poker Classic.

During the WPT’s second season, Gus won the invitation-only Bad Boys of Poker tournament and, in early 2004, earned his fourth WPT title at the Caribbean Adventure tournament. Gus was also in contention for another title that season, but had to settle for third place in the Bellagio Five Diamond tournament when his pocket 10s failed to hold up against his opponent’s A-Q.

Gus reached yet another final table during the WPT’s third season, but ended up with a third-place finish in the Bay 101 Shooting Stars tournament. All in all, those four WPT wins and five final table appearances earned Gus induction into the WPT’s Walk of Fame the first year they launched it. To this day, Gus remains the only player on the WPT with four titles to his credit.

In 2005, Gus decided to play fewer tournaments in order to focus on his cash game. Still, even with the reduction in tournament play, Gus made it the final table at the FullTiltPoker.Net Poker Invitational from Monaco and won the Grand Final of the inaugural Poker Superstars Invitational.

In 2006, Gus has been even more selective about his participation in tournaments and other events. Recently, he played in the second season of High Stakes Poker where he won the biggest pot in the show’s history ($575,700) defeating Daniel Negreanu’s 6 6 with his 5 5 on a board of 9 6 5 5 8.

In 2007, Gus continued to build on his growing list of tournament championships, bringing home $1,192,919 for his first-place finish in the $10,000 Aussie Millions Main Event in Melbourne, Australia. Gus added another $1.7 million in tournament winnings to his bankroll in 2008 when he finished second to fellow Full Tilt Poker pro David Chiu in the WPT’s World Championship at Bellagio. 2008 saw Gus take second in the WPT’s $25K World Championship event where he banked more than $1.7 million and 10th at the WSOP’s $10K World Championship Mixed event.

When not playing tournament poker, Gus is a regular participant in the “Big Game” at the Bellagio battling it out in as many as 13 different poker games with players such as Phil Ivey, Doyle Brunson, Barry Greenstein, and David Benyamine.

Online, Gus can often be found in a high-limit Pot-Limit Omaha game or an Omaha 8/B Limit game on FullTiltPoker.com. On occasion, he can also be found in low-stakes Limit Hold ‘em and Razz games, along with low-limit SNGs and some of FullTiltPoker.com’s larger tournaments.

If Gus isn’t playing poker, there is a good chance you can find him on the golf course, the tennis court, the squash court or playing soccer with his friends, as he finds that playing sports and working out help him maintain the physical stamina he believes is needed to be a successful poker player.

Gus also finds time in his schedule to provide poker commentary for both Danish and American television shows, and is always ready to play a high-stakes backgammon match against anybody who would like to challenge him.

Gus is currently single and resides in Monte Carlo, Monaco where he spends a lot of time with his family.

• 2 WSOP Bracelets
• 2 WPT Titles
• 2003 WPT “Player of the Year”

Howard “The Professor” Lederer plays online exclusively at Full Tilt Poker.

After college, Howard moved to New York to pursue his passion for chess. It was in the back room of a chess club that he discovered poker – he was immediately hooked. For the next two years, he played poker relentlessly, clocking 70 to 80 hours a week. He went home broke nine nights out of 10.

Luckily, Howard found the Mayfair Club and became part of a group of players who were the first to experiment with No-Limit Hold ‘em in New York. They’d start at 4PM and wind down by 2AM, when all the players would go to a bar for a lively discussion of the day’s game. Everyone was new to the game, but the ideas flowed freely and their games improved dramatically.

In order to take his game to the next level, Howard moved to Las Vegas in 1993. Howard’s game continued to improve and he earned his first of two Hall of Fame titles when he won the $2,500 No-Limit Deuce to Seven Draw event at the 1994 Hall of Fame Poker Classic. A year later, Howard earned his second title by defending his Deuce to Seven Draw title at the 1995 Hall of Fame Poker Classic.

After five more years of hard work, Howard won the first of his two gold bracelets in the $5,000 Limit Omaha Hi/Lo event at the 2000 WSOP. A year later, he won his second gold bracelet in the $5,000 Deuce to Seven event at the 2001 WSOP.

Howard continued to hone his skills and in November of 2002, won his first WPT Championship title at Foxwoods. In March of 2003, Howard won his second WPT Championship title in the $5,000 Limit Hold ‘em event on The Poker Million cruise.

Just one month later, Howard won the first of his three Bellagio titles in the $2,500 No-Limit Hold ‘em event at the 2003 Bellagio Five-Star World Poker Classic. His second Bellagio win was in the $2,500 No-Limit Hold ‘em event in April 2004. His third Bellagio title came just 13 days later in the $5,000 Pot-Limit Omaha event.

Though Howard plays a more limited tournament schedule these days, he still loves to compete – and to beat the competition. In December 2007, he reached the final televised table at the prestigious Poker Millions in London. He quickly followed that up in January 2008 when he won $1.25 million – the largest payday of his career – after winning the $100K buy-in tournament at the Aussie Millions. In June 2008, Howard posted two top-10 finishes at the World Series of Poker, finishing sixth in the $5K Limit/No-Limit Hold ‘em event and ninth in the $5K World Championship 7-Card Stud Hi/Lo event.

When’s he not playing, Howard enjoys providing commentary and analysis on FullTiltPoker’s “Learn from the Pros” and FSN’s “Poker Superstars Invitational Tournament,” lending credence to his nickname, “The Professor.”

Further cementing his nickname, Howard enjoys running a Poker Fantasy Camp where people can play with and learn from the best in the game — just like you can when you play on FullTiltPoker.

Let’s go down to the basics. The term financing refers to the act of providing a certain amount of money to an individual in order to buy a home, a car, a real estate property, et cetera. Loans and mortgages are actually types of financing. Now, when we say “refinance”, therefore, it means that we are still providing a certain amount of money. The prefix “re-“ actually points to the idea that you will be basically taking a new mortgage or loan to replace an old one.

The Advantages of Refinance

Financial analysts will claim that refinance is a great option for buyers when interest rates are low. The reason for this is quite obvious. Refinance mortgages or loans allow you to take new loans for a relatively lower interest rate. Low interest rates mean low monthly repayments. And low monthly repayments mean bigger savings for you. Of course, this only works if, and only if, the rates are low. If the rates are high, refinance is not advisable.

Another advantage of refinancing your mortgage loan is that the move will allow you to change loan terms from a long one to something shorter. With a shorter loan term, you can pay off your loan amount much sooner, thus allowing you to save more on your overall interest payments.

Other Benefits of Refinance

Besides bigger savings on your monthly bills, a refinance mortgage or loan provides you greater loan satisfaction. For instance, if you find that the terms of your current loan are unsatisfactory, you can switch to another lender with a refinance loan. You can use the money you get from your refinance loan to pay off your old loan. In addition to that, refinancing gives you the option to change your lending company whose services or programs make you unhappy or unsatisfied.

Refinance is also a good way to consolidate your monthly bills. Don’t you just find it such a complete headache to receive all sorts of bills every month? Bills which are very confusing and very time-consuming to sort? You can get rid of this problem with a mortgage refinance. Getting a second loan will allow you to consolidate all your debts into one single monthly bill. Debt consolidation is especially beneficial which aside from lessening the hassle you’d have to go through, it also reduces the possibility of a bill forgotten or a debt going unpaid.

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What Home Refinance does for you

Whenever interest rates drop, as they sometimes do, homeowners might have the opportunity to save money on their loan payments. As a rule of thumb, lower interest rates translate into lower mortgage loan rates. Home refinance allows you to take advantage of low mortgage rates. With a new loan for a relatively lower interest rate, you can save a few bucks on every monthly payment that you have to make.

The decision-making process of home refinance involves one basic calculation. And that is if your savings from reduced mortgage payments are greater than the up-front costs. This then is where the basics of home refinance decision lie.

Use a Home Refinance Calculator

Nearly all types of financial calculator require a simple rule of thumb. Often, when we want to calculate our loan finances, we are told to look for a minimum interest rate improvement of, say, two percentage points from our existing mortgage before getting serious about home refinance.

However, when it comes to home refinance mortgage, such rules of thumb can be very misleading. The cut in interest rate which you need in order to come out ahead with your home refinance venture may vary dramatically. More often than not, interest rate cuts depend on how long you plan to hold the new mortgage, how many years you have already paid on the current mortgage, and the increasingly available opportunities for cutting closing costs.

Thus, it is hard to come up with just one rule that can cover all possible scenarios involved in home refinance with reasonable accuracy. So how do you know when it’s right for you to refinance your home?

Do a little math

You can take the specific numbers that match your unique situation. Find out how much remains on your loan and what rate you are currently paying. Input all these figures into an online calculator (you can find lots of websites that hosts these useful tools for free).

For instance, you can use a calculator to find what your home refinance costs might be. You can then use the figures you get as a guide when you’re surveying potential lenders for the loan that’s just right for you.

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