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New Post. Go to Category.. Grabbit while you can It's Gone, but was it any good? I won! Important update! Please take the time to familiarise yourself with the latest version. Bettingmad Forumite posts. Can anyone shed any light on this scenario? A friend has told me that he works 2 days a week being a Monday and Friday. He works for a large organization and his entitlement sheet states he is entitled to We get the pro rata entitlements and how they are worked out.

The question though is because of his working pattern which happens to fall on every BH this year then 8 days are deducted from his entitlement which leaves him with just 6. If another colleague worked on a Tuesday and Wednesday they would get Can he ask to work another day in the BH week? Or can he ask to be paid for 4 and have the other 4 without payment?

Thanks in advance. JReacher1 Forumite 4. Why would it be fair for them to get the bank holidays and another Normally it wouldn't be this bad, he is just unlucky that xmas day, New Years day and the Boxing Day bank holiday all falls on a Friday or Monday. Simply put, the company can dictate when his holidays are taken, and they have dictated he must be 'on holiday' if he is due into work when it is a bank holiday.

Of course he could ask if he could work a different day on bank holiday week, and if they are busy they may agree, but they are not required to do so. Furthermore, we continue to foster a close alliance with several organisations such as the Bundesliga Stiftung Foundation of the German Bundesliga , among others.

Promotion of amateur and trend sports We were all beginners once: the promotion of amateur clubs is of special importance to us. Tipico supplies sports clubs with high-quality brand name team kits and equipment at very attractive prices or even free of charge. Membership of associations and organisations: German Sports Betting Association and Play Fair Code Tipico has a responsibility to serve as a role model in the sports betting market.

The German Sports Betting Association DSWV provides an excellent platform to support common corporate interests, develop substantial industry topics and jointly promote ideas. Together with other members of the association we endeavour to foster constructive dialogue with all parties involved in the regulatory process. We are also committed to the Play Fair Code, an Austrian association for the protection of integrity in sport.

Play Fair Code provides prevention education programmes in Austria s two professional football leagues and has established an outstanding reputation throughout Europe over the years. Cooperation with the media Tipico has always been a sought-after partner for the media.

And not just for match day coverage: together with our media partner Sky we support several social projects in the field of sport. As a member of the German Association for Telecommunication and Media DVTM , we are also delighted to be able to pursue our ideas with strong partners. Tipico is one of these companies headquartered in Malta, employing The sports betting market was widely liberalised around people from 28 different nations in areas back in the s in the betting-mad United King- such as product development, information technology, dom.

Several large companies were able to establish marketing, customer service, finance and human themselves there. More often than not, their shops resources, among others. It is not even unusual for Tipico was one of the first companies to obtain a members of the Royal Family to bet money on sports licence in the German federal state of Schleswig- or horse racing at Ascot. Our neighbours in Austria Holstein, which was issued under stringent conditions. It is therefore hardly surprising that some of applied for a licence in the Netherlands.

Tipico is also the industry s biggest providers are headquartered making every effort to obtain licences in other German in Austria. In recent years, more and more countries federal states after Schleswig-Holstein. At the same in Europe have turned towards a liberalisation of the time, we endeavour to assist legislative institutions sports betting market, not least due to rulings by the in their attempt to establish workable regulations.

European Court of Justice in Brussels. Malta was among Our ambition is to help develop substantial customer- the first countries to implement comprehensive reg- friendly playing fields in the sports betting sector, ulations for the provision of sports betting services. The shop concept includes important components such as the exclusive ebet sports betting software as well as state-of-the-art devices for cash management and accounting.

The concept roll out began in It has a modern atmosphere and embodies professionalism, security and reliability, making it possible to attract new target groups. In recent years, we have also introduced several successful innovations in the types of bets we offer. Customers in the betting shop can track the progress of their open bets live on screens and in the company of fellow punters.

Those who are unsure of what to bet on can examine Tipico s full betting schedule, which is updated daily. A central information system also constantly displays live odds, results, previews and conferences. We have consistently focused on a high-value franchise concept from the beginning. Prospective franchisees need to fulfil an array of criteria before they qualify as Tipico franchise partners.

These include an impeccable reputation, various official licences and a conclusive business concept, among others. Acceptance of and adherence to our Tipico standards, from business operation to customer protection, is mandatory for all franchisees. In return, our partners can rely on our market-leading shop concept and benefit from the strength of the Tipico brand. We also provide a vast variety of additional information about events and teams.

For those who prefer betting on sporting action from home, Tipico provides a comprehensive online offering. Once punters have created a user account, they can easily access the sportsbook as well as a range of additional helpful information and features at TIPICO. No matter whether they are at the stadium cheering on their favourite team, on a trip or at a sports bar with friends: the Tipico app is the ideal companion in every situation. The Tipico app also allows punters to view gaming and account balances as well as place bets.

Live betting is particularly popular. Bets can be placed or adjusted during the course of a match, making betting considerably more exciting. We offer in-play betting for more than sports events every day. Live betting is a real crowd-puller in our shops, creating a genuine stadium atmosphere among the punters. Alternatively, in-play bets can be placed online at home or via the Tipico app when on the go. Last but not least, our new TIPPN app, a newcomer in our digital Tipico world, offers our customers a unique mix of entertainment and innovation.

This includes, for example, the current account balance as well as an overview of all money transactions and the punter s entire betting history. Moreover, holders of a Tipico customer card do not require a bet printout and thus benefit from special access to terminals that process all transactions electronically. Tipico s success story would therefore be unthinkable without Booxware, the innovative technology and software provider from Karlsruhe, Germany.

Founded in , the company was born out of collaboration between bookmakers and software developers who set themselves the common goal of developing high-quality hardware and software solutions for the sports betting industry. To date, Booxware is a pioneer in this specialist field. To safeguard this success, more than IT and technology experts from around the world are constantly working to enhance ebet, the market-leading bookmaker software, and develop new, intelligent hardware and software modules.

Tipico and Booxware have been partners since their respective inceptions. Without the technological innovations of Booxware, our customers would not be able to enjoy the entertaining and secure betting experience we offer across all established channels. Booxware has been a reliable partner, not least to our franchisees, from the word go.

Booxware GmbH provides our shops with the entire range of technical equipment, from cash systems to display servers through to automatic betting machines. Quick help with technical problems is vital especially on weekends and football matchdays when crowd-pulling events are pending in around 1, Tipico betting shops across Germany, Austria, Denmark and Belgium.

Available seven days a week, Booxware guarantees technical support around the clock. Whenever something gets broken, spare parts or replacements are delivered across Germany within just a few hours, and a technician is always there to assist the franchisee. Tipico franchise partners benefit from a service that is second to none in the entire sports betting industry. Booxware is undoubtedly considerably more than a technical service provider for the Tipico family. Within just a decade, Booxware has earned itself an excellent reputation for being an innovative think tank.

This success has extremely positive side effects: more and more masterminds and young talent from across Germany and around the globe see Booxware as an attractive employer and key player in the IT and software industry. This marks an investment in innovation and enhancement that the entire Tipico partner network will benefit from.

Not least due to their many years experience in various fields of business and sport: Thomas Wolter held executive positions with international logistics companies for fifteen years. Christian Gruber worked as Head of Media and Public Relations in professional football for twelve years.

Before that he spent several years as a corporate communications consultant specialising in corporate and crisis communication for renowned companies in the chemical industry, among others. Our regional sales managers, field and office staff are always on hand to provide on-site support for any enquiries regarding the retail business: fro basic information to concrete location requests right through to that special moment of a shop opening.

Every day, our marketing and sales experts develop tailored solutions for all the needs of our franchise partners. A modern shop concept was recently designed to create a consistent and engaging interior for the growing number of Tipico shops across Germany. Tipico franchisees can also rely on experienced shopfitting experts, who will find customised solutions for the planning and implementation of the concept in each individual shop.

Together with our technology service provider Booxware, Tipico supplies its franchise partners with high-performance equipment, designed to meet the individual needs of each partner or customer. Tipico s Frankfurt-based team conducts effective training sessions and comprehensive employee briefings to fully prepare our franchisees employees for work in the betting shop.

The Tipico Germany team also provides a highlyefficient and comprehensive marketing and communications service. An interdisciplinary team of sports enthusiasts is in charge of Tipico s corporate image and ensures brand compliance primarily in Germany, but also beyond. In addition to creating and producing attractive advertising media for Tipico franchise partners, the team s range of services also includes supervision of our sponsoring partnerships and high-profile brand ambassadors from the field of sport.

Working in close cooperation with authorities, associations as well as politics and the media, the team has a reputation for being an expert partner for the topic of sports betting in Germany. In our interview with Oliver Kahn, Michael Konsel and Peter Schmeichel, we talked about sporting success, modern goalkeeping and integrity in sport. Former FC Bayern Munich goalkeeper Oliver Kahn, now a prominent football expert, is delighted to collaborate with his two former goalkeeping colleagues.

Peter Schmeichel was renowned for his outstanding performance with Manchester United in the nineties, while Michael Konsel caused quite a stir during his time at Rapid Vienna and AS Rome. Today, the trio are joint brand ambassadors for Tipico. Most people do, however, know that discipline and endurance are vital to achieving success. What other skills does it take to be a top-class goalkeeper?

Michael Konsel MK : Mental strength is of crucial importance for a goalkeeper, and this is a hidden talent at first. Whether or not a goalkeeper has the ability to adjust to difficult situations only becomes obvious when he is under pressure during a match. Everyone develops his own strategies. I always memorised all kinds of situations in my head. I made sure I analysed negative experiences thoroughly and tried to turn mistakes into something positive.

And speaking of generations has goalkeeping changed over the years? Peter Schmeichel PS : Today, a goalkeeper must have good football skills. A few years ago, when kids kicked a ball about on the street it was always the tallest, the fattest or worst player who was sent between the posts. This has totally changed.

Kids want to become a goalie, it s seen as cool position to play nowadays. The goalkeeper s physique has also changed. Today, goalkeepers are more lithe and athletic instead of being big and chunky. During my active career, especially at the beginning, there was a great demand for large goalkeepers built like bodybuilders.

He embodies something really special that no one else offers. I can t even say precisely what it is, but he is extremely close to perfection. MK: Absolutely. Neuer has the right philosophy. A goalkeeper also needs to be an outfield player to help his team and he is very good at that. OK: Peter Schmeichel was actually a role model for my generation. I was just 18 years old and he stood in the opposite goal without any gloves on!

That really impressed me laughs. What memories do you have of that match? OK: I can still clearly picture those final minutes when Manchester United took advantage of an element of confusion in our team. What followed afterwards was not what we had hoped for PS: Bayern should never have taken Lothar Matthaeus off. However, you got over it. Two years later, you won the Champions League title. It might have been a worse setback if you hadn t won the title then.

OK: That s true. PS: It was a very emotional match for me by the way as it was my final appearance for Manchester United. I had family and friends in the stadium. It was an overwhelming feeling. To be honest, I was close to accepting the offer.

MK: Tactical training still plays a vital role in Italy. Sometimes it was just exhausting to keep on repeating the same exercises for hours on end at AS Rome. PS: In England, the atmosphere in stadiums changed when terraces were banned. Stadium safety and security management is now excellent and terraces should be allowed again. The German Bundesliga is a positive example, showing how safe standing can work. It s not easy to create a good atmosphere in an all-seater stadium.

You can t dance when you re sitting laughs. OK: In the last years, a lot has changed in Germany regarding atmosphere. Many families now come to the stadiums. Although modern arenas are bigger and always packed, this had led to a decline in the classic match atmosphere. Attendance figures have increased, but the fans don t make as much noise.

Can you explain why? OK: Betting is totally different in Germany and England. While some Germans still view betting rather dubiously, it is very popular in England. It s a substantial part of all kinds of sporting events and a popular activity among people from all social classes including the Royal Family. PS: Absolutely, English football supporters love to meet up at a pub before kick-off to bet on matches. For them a match is much more than 90 minutes. They can t wait for kick-off time.

It s a very emotional thing, it unites people. And that is, in my opinion, a great thing. What is your opinion on this topic as a former professional athlete? PS: I think that the level of integrity in professional sport is very high and I want to underline that right from the beginning. I think that moral standards are very high in this field. However, it is important not to forget that sports teams are a reflection of society. A cross-section of society always includes people who don t stick to the rules.

From my point of view, we re only talking about a very small number of cases and I don t see it as a fundamental problem for professional sport. OK: I can t think of any occasion during my active career where there was any suspicion of match-fixing. We re talking about top-level athletes who want to win every match. MK: Clubs and federations also have a major role to play here. In Austria, a lot more is now being done to build awareness and offer prevention education. I think this is definitely the right approach.

Thank you for talking to us! Tipico gave people across Germany reason to cheer even before the first whistle at the FIFA World Cup in Brazil, as each one of the hidden balls carried a unique code, enabling the lucky finder to participate in a 1 million prize draw without placing a bet or purchasing a betting slip.

All the finders had to do was to register on the campaign homepage and upload a selfie showing them with the golden ball. Of all those who registered on the homepage, one hundred finalists were drawn to take part in the big live TV show Golden Ball One Will Be a Millionaire. The lucky winner of the Tipico Golden Ball campaign was picked at random during the show. German goalkeeping legend and Tipico brand ambassador Oliver Kahn saved the golden winning ball fired at him by a ball machine.

The winning ball belonged to David Wanner, a year old law student from Freiburg, who beaming with delight announced he would share the 1 million prize with two friends. The trio intends to build a house for the three of them to share a worthwhile investment to end our successful Tipico World Cup campaign. Millions of fans turn up at football stadiums every week to cheer on their teams, chant their support, bemoan defeats or celebrate wins. As a long-term football sponsor, Tipico has become a permanent feature of several football leagues.

As team play is as essential to football as it is to us, Tipico commits itself to promoting sport at various levels. In Germany, Tipico cultivates a total of four partnerships with clubs from the Bundesliga and 2. Bundesliga, the top two tiers of the German football league system.

As a naming rights partner of the Austrian Tipico Bundesliga and sponsor of Austria s reigning champions RB Salzburg, Tipico s reputation as a reliable partner extends far beyond the German borders. We have gained a top international partner in Tipico. I am particularly proud of the three-year deal we have signed with such a strong and well-established company.

Now we can look forward to expanding the Tipico Bundesliga as Austria s number one sport organisation over the next few years. Hans Rinner, President of the Austrian Bundesliga Tipico also demonstrates its commitment in Denmark: as the official sponsor of the Danish Football Association DBU, we are not only a direct partner of the Danish national men s team, but our brand is also visible at the matches of the Danish Under side and the women s national team.

We are extremely proud to have gained Tipico as the official partner of the DBU. Tipico is an ambitious international player with a strong focus on football. Tipico joins us with the clear objective of getting even closer to football fans. FC Bayern Munich is the most successful German football club of all time. The club s continuity at all levels of management as well as its sporting and economic success story has had a lasting influence on German football.

This is also reflected in the club s unbeatable popularity among football fans in Germany and all around the world. Tipico has been very successful in European football for quite some time. It is therefore logical for FC Bayern Munich and such an excellently positioned international company to join forces. The partnership also includes joint PR and marketing activities as well as regular matchday events for FCB fans. The Tipico brand will also be integrated into FCB media channels thus reaching millions of fans worldwide.

An exemplary talent development programme, attractive football and an outstanding stadium offer perfect conditions for achieving that great goal of promotion to the Bundesliga. We are absolutely delighted to accompany the Red Bulls on this incredible journey.

We have established quite a number of partnerships over the past years. Tipico enters into every partnership determined to explore new opportunities as a team, develop strategies for mutual success and promote our ideas together with our partners.

Renewing our partnership was therefore a logical step, and we are delighted to continue working with Tipico. I was very impressed by Tipico s wide product range. I have been working in the betting industry since and was therefore able to draw comparisons between different providers. Tipico simply stood out. Because Tipico s corporate management approach appealed to me right from the start. The chemistry must be right, that s very important.

Tipico s service offerings are second to none. For me as an entrepreneur: not having a boring office job. My day is a succession of exciting and varied tasks. And certainly during derbies between East German football clubs. This includes not gambling with borrowed money. You should only bet what you can afford. Our employees regularly attend training courses focused on pathological gambling and betting behaviour.

It is important to recognise the signs of problem gambling. Almost all Tipico franchisees are sports fans. Many are members or supporters of their local football clubs while others are recreational sport enthusiasts.

This passion is the bond that unites us with our customers. For many of our customers wagering is not the only reason to visit a Tipico shop. They are looking for company and conversation with fellow sports fans. The intense relationship between our Tipico franchisees and our customers is the key to success.

Tipico customers know that their bet is in safe hands at Tipico, so they are able to relax and enjoy the atmosphere. The relationship between the shop operators and their staff is also characterised by mutual trust and respect. All members of the Tipico family believe in the basic principle that success can only be achieved through teamwork.

A friendly atmosphere amongst Tipico family members, irrespective of their origins, is a core aspect of our open-minded, modern and liberal corporate culture. Customer card users can also review all information relating to their bets and have full access to their account information. They are always ready to provide professional on-site assistance. Carlsberg involved in football for 30 years Like a good marriage, Carlsberg s bond with football grows stronger year after year Carlsberg has been engaged with the international football community for.

Every day, tens of thousands of people pay quickly and. With currently 4 million registered customers worldwide, the company, listed on the Frankfurt stock exchange, along. With about 3. Comprehensive Betting Database 4 2. Scientific Alerting System 5 3. Fraud Scoring Database 7 4. Professional Experience 8. Integrity is the. Please play responsibly.

Updated: May. Betradar Gaming Built for Betting Virtual Sports Built for Betting Why our products are the best in the market Betradar s Virtual Sports are the top revenue-making products in the industry, delivering.

Neither the seller. October Interwetten Company Profile Betting is our sport. Interwetten has been satisfying the desires of gamers for over 20 years. Founded in as a sports betting provider, the company went online. The Domainmanagers Double Letter Score with domain. The contents of this code of conduct are based on the policy document Heijmans Code of Conduct. Heijmans N. Tipp24 is Europe s largest lottery broker and was established in


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Over the course of the year, you will have paid the additional month. Doing so can shave four to eight years off the life of your loan, as well as tens of thousands of dollars in interest. However, you don't have to pay that much to make an impact. You can also make one-time payments toward your principal with your yearly bonus from work, tax refunds, investment dividends or insurance payments.

Any extra payment you make to your principal can help you reduce your interest payments and shorten the life of your loan. Paying off your mortgage early isn't always a no-brainer. Though it can help many people save thousands of dollars, it's not always the best way for most people to improve their finances. Compare your potential savings to your other debts. For example, if you have credit card debt at 15 percent , it makes more sense to pay it off before putting any extra money toward your mortgage that has only a 5 percent interest rate.

Further, unlike many other debts, mortgage debt can be deducted from income taxes for those who itemize their taxes. Also consider what other investments you can make with the money that might give you a higher return. If you can make significantly more with an investment and have an emergency savings fund set aside, you can make a bigger financial impact investing than paying off your mortgage.

Paying extra toward your mortgage may not make sense if you aren't planning to stay in your home for more than a few years. You won't pay down your equity fast enough to make it worth your while if you are planning to move in less than five to 10 years.

You should also carefully evaluate the trends in your local housing market before you pay extra toward your mortgage. Want to build your home equity quicker? Use this free calculator to see how even small extra payments will save you years of payments and thousands of Dollars of additional interest cost. Making extra payments early in the loan saves you much more money over the life of the loan as the extinguised principal is no longer accruing interest for the remainder of the loan.

The earlier you begin paying extra the more money you'll save. Use the above mortgage over-payment calculator to determine your potential savings by making extra payments toward your mortgage. The results can help you weigh your financial options to see if paying down your mortgage will have the most benefits or if you should focus your efforts on other investment options.

As you nearly complete your mortgage payments early be sure to check if your loan has a prepayment penalty. If it does, you may want to leave a small balance until the prepayment penalty period expires. US year Treasury rates have recently fallen to all-time record lows due to the spread of coronavirus driving a risk off sentiment, with other financial rates falling in tandem.

Homeowners who buy or refinance at today's low rates may benefit from recent rate volatility. Answer a few questions below and connect with a lender who can help you refinance and save today! Current Mortgage Rates. Financial Analysis Switch to Plain English. Want to Make Irregular Payments? If you have used Bankrate. Please click here to provide your comments to Bankrate Quality Control. Compare rates with confidence.

Rates are accurate and available as of the date seen for Bankrate customers. Identify yourself as a Bankrate consumer to get the Bankrate. Planning to pay off your mortgage early. Use the "Extra payments" functionality of Bankrate's mortgage calculator to find out how you can shorten your term and save more over the long-run by paying extra money toward your loan's principal. You can make these extra payments monthly, annually or even just one time.

Decide if an ARM is worth the risk. The lower initial interest rate of an adjustable-rate mortgage, or ARM, can be tempting. While an ARM may be appropriate for some borrowers, others may find that the lower initial interest rate won't cut their monthly payments as much as they think. To get an idea of how much you'll really save initially, try entering the ARM interest rate into the mortgage calculator, leaving the term as 30 years.

Then, compare those payments to the payments you get when you enter the rate for a conventional year fixed mortgage. Doing so may confirm your initial hopes about the benefits of an ARM -- or give you a reality check about whether the potential plusses of an ARM really outweigh the risks.

Find out when to get rid of private mortgage insurance. Once you have 20 percent equity, that fee goes away, which means more money in your pocket. Simply enter in the original amount of your mortgage and the date you closed, and click "Show Amortization Schedule. Home price - This is the dollar amount you expect to pay for a home. Down payment - The down payment is money you give to the home's seller.

At least 20 percent down typically lets you avoid mortgage insurance. Mortgage Amount - If you're getting a mortgage to buy a new home, you can find this number by subtracting your down payment from the home's price. If you're refinancing, this number will be the outstanding balance on your mortgage. Mortgage Term Years - This is the length of the mortgage you're considering.

For example, if you're buying a home, you might choose a mortgage loan that lasts 30 years, which is the most common, as it allows for lower monthly payments by stretching the repayment period out over three decades. On the other hand, a homeowner who is refinancing may opt for a loan with a shorter repayment period, like 15 years. This is another common mortgage term that allows the borrower to save money by paying less total interest.

However, monthly payments are higher on year mortgages than year ones, so it can be more of a stretch for the household budget, especially for first-time homebuyers. Interest Rate - Estimate the interest rate on a new mortgage by checking Bankrate's mortgage rate tables for your area. Once you have a projected rate your real-life rate may be different depending on your overall financial and credit picture , you can plug it into the calculator.

Mortgage Start Date - Select the month, day and year when your mortgage payments will start. How to calculate mortgage payments Want to figure out how much your monthly mortgage payment will be? Multiply the number of years in your loan term by 12 the number of months in a year to get the number of total payments for your loan.

About our Mortgage Rate Tables The above mortgage loan information is provided to, or obtained by, Bankrate. Quality Assurance Compare rates with confidence. About Bankrate. Bankrate Recommends Mortgage daily rate updates Where will mortgage rates head next week?

How much house can I afford? Debt to income ratio calculator. Mortgage calculator: Alternative uses Most people use a mortgage calculator to estimate the payment on a new mortgage, but it can be used for other purposes, too. Here are some other uses: Planning to pay off your mortgage early. Mortgage calculator help Using an online mortgage calculator can help you quickly and accurately predict your monthly mortgage payment with just a few pieces of information.

It can also show you the total amount of interest you"ll pay over the life of your mortgage.