A hard thing to swallow

A hard thing to swallow

Life can be tragically unpredictable, the good fortune and positive outcomes we anticipate can suddenly become dire circumstances. One man’s life story reveals a vivid example. His story shows that carefully developed plans and substantial assets are sometimes not enough. It also reveals that resources which we think can cover every contingency can still fall short. Finally, it demonstrates that an asset we think might be least helpful in the late stages of life can actually become a safety net. The asset is a life insurance policy that can be converted to a lump sum payment during the life of the insured. For additional local paper samples visit bestessaycheap.

This is the life story of a successful business owner. He married a successful business owner. They made a comfortable life in an upscale home and neighborhood. They enjoyed family, travel, grandchildren and good health. The husband’s active lifestyle began to foreshadow difficulty when this avid 55 year+ aged distance runner suddenly began to slow down. He lost strength and vitality. He experienced increasing levels of pain in his lower limbs. The situation worsened as running became shortened, then even walking became difficult without assistance. The descent in his health reached a low when he was diagnosed with ALS, better known as Lou Gehrig’s disease. It was a disease which causes a progressive and total paralysis. It was disease that had no cure.


Facing terminal illness: Financial planning for his survivors
By Gary Weiss @Money December 13, 2012: 4:09 PM ET


He had private health insurance, a substantial income, and private disability insurance. However, the expense and difficulty of gaining treatment for an incurable disease was physically, emotionally, and financially draining. Soon, he was deeply involved in use of savings and retirement monies (such as Roth IRA and 401(K)). He spent a great deal to re-fit his home with special equipment so that he could continue to work. As his condition worsened, he had to stop work and was fortunate to have received a buyout of his ownership share.

His health worsened as predicted as paralysis spread to his limbs then torso. He noticed periods in which it was difficult to eat and breathe; there were periods in which it was very hard to swallow. At some point, he would lose the ability to breathe on his own and the swallow reflex. There were possibilities of living on a ventilator, and being fed by intubation. The prospects of lingering in such a state were made more difficult by thoughts of the financial impact on his wife and family. The extended and intensive costs could erode remaining assets should survival extend beyond a period covered by current resources.

A substantial life insurance policy was one of his remaining assets. In the event that his needs were to exceed available resources, this asset could be converted into a lump sum. The option to convert the insurance, to engage in a viatical settlement, had not been used. In this case, it might not be used. However, the overall situation illustrates that a final illness can be a financially devastating experience. It can exceed means even for a family with above average income and assets. Conversion of life insurance to aid the end of life medical expenses is a valuable option. Even when as extraordinarily well-prepared as this family, it is important to consider the benefits of life insurance conversion with a viatical company. Life insurance is an important asset during life too. Contact Harvest ACS to learn more about life settlement, the process and what to expect.

18 thoughts on “A hard thing to swallow

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  12. By way of his own passion for the sport and Poker Chip India , Vishaal
    hopes to popularize this card game in India. Whereas quite a lot of his buddies host friendly residence
    video games of poker commonly, he says the true take a look at of mettle and development of ability as a poker player,
    happens solely if you start playing on-line poker.
    An avid poker participant, he stop his plush,
    handsomely rewarding investment banking job and took
    to playing poker professionally, for a residing.
    You can play at the poker sites mentioned above, however if you happen to wanted to purchase one thing from the
    online poker websites store, you wouldn’t be allowed to.

    They won’t ship what you purchase to an Indian address so it’s best to
    cash in the player reward factors for money or match tickets.

    This ruling could make clear whether each worldwide and India-solely poker websites are authorized or not in India.
    As per Indian Structure gambling comes inside State topic,
    however, the aforementioned central Act is
    relevant in all of the States which would not have any specific playing laws.
    The explanation it is referred to as loopy pineapple as
    a result of the game has an underlying crazy factor of seeing the flop and offering players increased odds of creating some strong palms till they discard their
    weakest card. Keep on taking part in poker on-line free
    of charge and we’ll redeem your free chips for cash.

    Still though, the impression of a Supreme Courtroom decision of this magnitude in favor of poker would definitely be
    persuasive to some degree a minimum of. There have been some one-off
    judgments abroad (some Danish, Swedish, Russian and U.S.
    state courts have recognized poker as a talent-based mostly sport),
    where poker has been construed as a game involving a considerable diploma of ability” and therefore excluded from the ambit of gambling, the prevailing mood globally is to model all card games as playing.

    The Earnings Tax Act, 1961, International Alternate Management Act (FEMA) 1999, Anti Money Laundering Regulation, Information Know-how Act, 2000, Indian Gambling Act, and so on would collectively govern the legal legal responsibility of on-line poker websites in India. Most poker video games are performed in dollars or euros and India has fairly strict foreign money management legal guidelines that make it difficult to alternate larger amounts of currency with out particular licenses. With the recognition of poker, casinos in India have blended the fun of this sport with exquisite aura on floating ships and hill facet resorts.

    Since 2010, a number of on-line poker websites have come up in India with Adda52 and Pokabunga leading the charge. While hearing an utility by and its traders, the courtroom famous that online poker played for actual-money should be classed as playing. A great way to observe is on-line on a Fb sport or another on-line poker site. Not too long ago there was 1,000,000 dollar free roll on pokerstars, to play in it it is best to have a ticket. Most poker rooms in India are nonetheless small, containing eight tables on the most.

    At Perry4Law and Perry4Law’s Techno Legal Base (PTLB) we consider that cyber regulation due diligence , Internet middleman obligation and cyber due diligence for poker india Indian corporations needs to be stored in mind by diverse e-commerce websites and gamers. Rummy has already been pronounced to be a Recreation of Talent” by
    Indian Supreme Courtroom on numerous counts and there could also be nothing new about this Settled Authorized Place” inside the present litigation. Faced with the techno authorized issues concerned in adjudication of the legality or illegality of on-line card video games, the Supreme Court docket of India held that it will not resolve the legality or illegality of on-line poker, on-line rummy, online card video games, etc.

    Nagaland’s new legal guidelines have not quite opened up the market for on-line poker, but they’re main the best way in what might be a vital market. Let it is reside, on-line or on line casino poker, you can at all times profit from , irrespective of the sort of recreation you select to play. The gray” space
    that on-line gambling is perceived has led to certain circumstances such
    as the following. Instead, the court docket avoided the problem (paywall), saying that the unique case did not really consult with playing
    Rummy for money.

    They’ve lately signed a handle the WPT World Poker Tour to type a formidable partnership.

    While you do use our cellular app, please just remember to settle for push notifications, in order
    that you don’t miss out on our superior tutorials, poker
    guides, poker promotions and the most recent happenings at Starpoker.
    Also the second tournament i.e. the IPC 10k Friday Night Event is the traditional Freezeout which
    really starts off the weekend so many gamers were expected
    to fly in after work that evening. Well we cant say about actual world however on this planet of
    online poker, betyourskills makes it attainable so that you can grow to be
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    Our Flash recreation developers have produced numerous custom web
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    Our web site is among the most famous Indian Poker websites which supply you an opportunity to Play Poker Online with real cash.
    He notes that , by means of its advertising, has primarily tried to focus changing the notion about poker and creating awareness in regards to the high diploma of ability it includes.
    When even the Bitcoin exchanges of India are beneath regulatory scanner, particular person on-line poker web
    sites experiment with Bitcoins is basically dangerous.

    It’s changing into an increasing number of frequent to see
    players from India on the final tables of the perfect on-line poker events.
    Ravi and Kavita, as properly, commonly play on They are saying
    the options of depositing cash on the web site are very friendly with all debit cards and credit cards being supported by reliable
    payment gateways. It is your one cease poker
    destination with limitless poker action in a secure and pleasing interface.

    The introduction of a brand new invoice by the Nagaland Indian authorities in April
    2016 noticed poker listed as a recreation of talent – positioning it as authorized and controlled – and giving on-line gamers a wider selection of game choices. https://usados.pplware.sapo.pt/author/alysa50565/

  13. There’s only one benefit to Macau immigration not
    stamping your passport: you’ll be able to plausibly deny ever having been there.
    Many sites don’t require it, while there are some that do.
    If you do not like obtain options, then there are lots that present play without that requirement.
    The leading website for ability based games in India additionally affords Rummy to its customers.
    The Payment and Settlement Act, 2007 permits Reserve Financial institution of India to control all online and electronic mode of transaction. Poker, a sport of excessive talent,
    requires intensive mental acumen in mathematics and chance,
    as well as in understanding participant psychology. Playing at authorized Indian poker web sites improves your sport
    and provides you access to bonuses for deposits and different
    promotions. Stated in a press launch that it has introduced
    on the services of the British poker star,
    who’s the country’s all-time match money earner.

    The courts have held that Poker cannot be accepted as a recreation of skill; nonetheless it was said that it will likely be authorized
    to play poker all through the states which don’t hold it as illegal.
    In final four years, there have been numerous web sites which have
    positioned Poke in a wide range of codecs and the game has definitely picked up momentum in an awesome method.
    Any recommendations or queries concerning issues you face at or something associated
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    Poker Execs should be part of the Website as a result of that is one of the best web site to show their expertise in a
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    Whereas there are numerous online poker sites, the key to
    ensuring that you’ve got an satisfying and potentially worthwhile on-line poker experience is selecting a good on-line poker site that
    readily accept Indian gamers and make it easy to deposit.

    A three way partnership Dabur’s vice chairman Amit Burman, poker portal
    ‘s founder Anuj Gupta and founding father of the match India Poker Legend
    Pranav Bagai. Tie-ups with a number of banks and
    funds gateways to course of payments of players ensures Customers can have a
    trouble free method to deposit and withdraw funds. So if you’re bored from all the regular poker sites than Titan poker is the
    place for you. This Indian Poker site is operated and owned by WYZ Games India
    Personal Restricted and claims to provide protected and safe
    cost gateways. In 1996, the Supreme Court
    reaffirmed that ability video games are usually not
    legally included as playing in India. It started with Zynga on Facebook and i5Poker has been the
    primary home online web site to have entered this area,developed and stayed.

    Since then it had been the favourite spot for poker lovers especially on weekends.
    Along with Spartan Poker Crew Mentor Rohit Bhalla, the addition of Mohan as Workforce Pro has powered up this new group and shall be anticipated to
    do some great things within the coming months. Now I like
    to contemplate myself as a pro at the game and plenty of have suggested me to play at a poker championship.

    Nagaland and Sikkim are thus far the one states in India
    which has enacted a statute pertaining to online gaming i.e.
    Sikkim On-line Gaming (Regulation) Act, 2008 (Sikkim Gaming Act).

    No. Though the laws may be in limbo, there are no legal guidelines
    that specifically tackle the legality of an individual residing in India enjoying actual cash Web gambling.

    The highest Indian poker rooms allow you to play the poker video video games you love head-to-head in opposition to
    actual individuals or in match format for real money. The India Poker Championship (IPC) for instance, has been working since 2010 and is by far
    probably the most prestigious Poker series in the land drawing in competitors
    from everywhere in the nation. These developments are an indication that the country’s poker scene is now beginning to flourish.
    On a visit to Bangalore 6 years ago, I occurred to satisfy one in all my childhood associates who returned from UK.

    He wanted to play a quick game and I went alongside.
    I keep in mind solely IPA and Golden Aces had been the two authorized poker rooms present at the moment.I spent that complete weekend taking part in poker which was by chance launched to me on Friday continued for 6 months as I
    used to be incessantly visiting Bangalore then.

    Nonetheless, from the purchasing power standpoint, India is sort of totally different from Australia,” said Ashkenazi. We provide on daily basis poker information, poker professionals’ blogs and tweets, unique poker films, thousands of free poker articles, along with coverage from all major poker tournaments in the world. Poker is legal in India because of the Indian Supreme Courtroom that came to the rescue of poker gamers, ruling that poker is game of ability. Ought to the Supreme Courtroom rule that on-line rummy websites are not licensed, that may trigger these websites to reevaluate whether or not they can proceed to permit Indian players on their actual money tables. Here is superb app Play Poker at Poker Sq. for studying and enjoying on-line poker legally in India.

    Ankit, who has now been playing for the final 4 years repeatedly, brings residence at least 2 lakh a month through his prowess at the poker tables. This was my opportunity to be forward of the curve and be one of many first people who took the game significantly, in India. We as poker lovers know what a player wants from a general gaming web site and we’re a buyer-oriented web site. It’s an India origin online gaming site that offers seamless Poker gaming for all the gamers throughout the country. It is up and operating as effectively, and options a number of licensed poker websites, the largest of which is , which even has a staff of sponsored Indian poker professionals. This has been one thing I’ve needed to do to but couldn’t, resulting from hectic work schedule that I have my very own enterprise, I will plan the calendar by balancing business and poker as well as invest time in online poker.

    Your favourite vacation spot for poker movement and poker pleasing, Starpoker, is now out there on iOS. Apart from the professionals of course, who lope freely, stilettoed on street corners exterior, contrapposto on the ersatz Rialto Bridge, transactable as shopping for a sizzling canine in Instances Sq.. Thus, even in an India-Zimbabwe match, there’s a truthful probability that some Indian batsmen may get out for no-fault of theirs; however total it’s the better crew that wins. With the advent of cell and good phone revolution in India, On-line Poker Information additionally advanced to the main cell platforms. In major metros like Delhi and Mumbai, , which describes itself as India’s biggest online poker website and claims to have over 6 lakh registered users, has begun an promoting campaign on taxis.

    With 5 decks and 3 flooring of limitless gaming motion, poker aficionados are delighted with world-class poker facilities. Adda52 could lose its spot as a result of the number one on-line poker web site in India ought to PokerStars determine to launch firms in the Indian market. These chips observe a two-color pattern and are printed with the patented Cartamundi crown symbol. Look over there, it’s Erik Seidel, Las Vegas native and Poker Hall of Fame legend, noise cancelling headphones resting around his neck; around him, players from world wide undertake the same old parlour tips: sun shades to conceal pupil dilations, scarves to obscure gulping Adam’s apples, hoodies to, dunno, appear like a thug or one thing. On-line poker is passing by way of an interesting half in Unites States (U.S.). Nonetheless, it is nonetheless to be seen whether online poker could be banned or allowed in U.S. New Jersey has reported a very good starting for on-line playing throughout the state.

    The very best online poker sites need you to be engaged, every time and wherever you occur to be. You will need to verify which kind of cellular system is compatible with your preferred on-line expertise. Nonetheless, Part 14 of the Act gives that nothing inside the foregoing provisions of this Act shall be held to make use of to any sport of mere capability wherever performed. In this three part function shot at the IPC Grand Finale 2015, we recap the year passed by for the nation’s largest poker event! Based by Jharkhand-born Anurag Dikshit, poker web sites such as went on to develop into the second largest on the earth. Sometimes, there are dozens of players competing on the poker and rummy tables at Thrill Poker, but that quantity is expected to go up shortly.

    I generally really feel although there’s a false impression that poker is straight associated to gambling. For Texas Holdem or for Blaze Poker, or a Sit n Go, cash prizes for online poker gamers are simply the most effective within the arena. Poker websites with sports activities books and online casinos connected similar to Bet365 Poker have a tendency to draw heaps extra unfastened gamers that wish to gamble. Practice your poker abilities with free poker after which play with real cash to win money. It’s good to know that all the basic varietals of poker might be discovered at online poker sites. The Mercury-branded poker site, the first to launch on the community, will soon be joined by a Mojo-branded website, with Baadshah Gaming, a subsidiary of land-based mostly operator Pleasure Group, also preparing to launch its personal skin.

    Globally, economists, statisticians and chess grandmasters, including Garry Kasparov and Steven Levitt, swear by the fact that poker involves nice skill and is probably much more difficult than chess. Now there are pretty properly-recognized gaming web sites which even claim lakhs of on-line poker players. Use of Bitcoins by online poker web sites and different stakeholders has additional raised the legal bars. Perry4Law strongly recommends that each one on-line poker web sites and their respective gamers should duly alter to Indian legal tips in order that they may not be prosecuted underneath Indian legal guidelines. This 4-5 das featured tournament which has purchase-ins starting from INR 5000 – 30,000 is a superb event and a golden probability for poker players in India to prove their mettle and showcase their expertise and make it big for themselves.

    Me and my associates started taking part in poker once we had been in our 3rd sem of faculty. BG Poker Room is a Kolkata based gaming company where technique expert based mostly video games are performed. Get the Cartamundi James Bond poker set and interact in a fun poker recreation with Skyfall inspired poker chips and playing cards. It’s expected poker can be thought-about to also be exempt from the country’s strict playing laws if the Supreme Courtroom rejects the ruling made by the Madras Excessive Court as a result of poker can also be consider a talent recreation by the nation. Barely completely completely different from Texas Holdem, Omaha is most popular amongst poker video games for the challenge it affords. Taking part in on-line and ‘stay’ against faceless but expert opponents is an adrenaline pumping exercise that by no means fades, as you get the chance to play in opposition to completely different people every single second.

    Most poker rooms in India are still small, containing eight tables on the most. Most of the providers of on-line poker, online rummy, online card games, etc are openly flouting the laws of India especially the techno authorized obligations and cyber law due diligence (PDF) necessities. Gamers should examine with the local tax authorities for particulars and specifics in regards to the proper option to file taxes and the right amount to pay. Sooner than we start our overview of the authorized background to precise cash poker within India, I’ll simply make a mention of some useful poker pages right here on winmoney101. IPC is obviously probably the most premier and prestigious poker event in India and I am sure the whole poker neighborhood in India may be very pleased with the announcement.

    The legality provides a secure surroundings for poker web sites in India to offer seamless gaming expertise as properly. The websites that we suggest have been examined for that purpose, and gamers in India have used them without difficulty. This web page at Pokerlistings provides a superb introduction to how poker bonuses work , plus a list of a few of the most beneficial current affords. In a 2012 case, Madras HC ruled that rummy golf equipment couldn’t benefit from actual-money gambling/gaming; hence it determined to ban the game in India. To have interaction a spare hour, free poker opens up limitless poker tables and quite a few online poker players at Free poker right here is out there around the clock. The huge variety of on-line poker video games can be loved essentially the most by taking part in at our cutting edge software program.

    The Law Fee of India, a physique that advises the federal government is scrutinizing playing related legislations. Enjoying online poker at is one hundred% secure & safe as we observe the best degree of on-line safety with certifications from iTech and Alpha. The Data Technology Act of 2000 tried to regulate online playing but fell quick in a lot of categories, corresponding to whether or not or not on-line poker is a sport of talent and thus exempted from the legislation. While land-primarily based poker games in India are restricted to on line casino ships, these online poker rooms are outdoors the jurisdiction of the federal government, so players in India are safe utilizing them. Whereas a whole lot of his buddies host friendly house video games of poker often, he says the true take a look at of mettle and growth of skill as a poker participant occurs solely once you start playing on-line poker. https://forums.hexify.biz/member.php?123286-LizaRayfor

  14. Earlier than starting to play poker, it is important to have a working knowledge of poker hand rankings.
    Now that you are familiar with the fingers in three card poker, the following step is to grasp the foundations and bets you can make when you start
    enjoying. Nevertheless, poker tournaments could also be held in sure elements of India the place statutes
    expressly permit the identical. Attributable to
    sharing its match and sit-n-go video games with the Profitable Match Network, Betcoin has by far the most MTT and SNG motion of all cryptocurrency poker websites.
    With poker units you can neglect about it. They’re your absolute most
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    If you’re not as fast as the sport is, you need to discover one other desk so that you
    can play.

    Two Pair – Any two cards of the identical rank along with one other two cards
    of the identical rank. Before we get into the nitty-gritty particulars of various arms, strategies and poker science, it is
    vital to familiarise yourself with the principles of the game.
    All the principles for no-limit and pot-limit poker
    apply to no-limit and pot-restrict lowball. As soon as all 5 cards are down,
    gamers must make the most effective 5-card combination from these seven playing cards.
    For example, in actual life, a pair of kings will win more than the 26% of the time
    indicated on the chart. Poker is a zero-sum game, which signifies that each dollar
    you win was lost to you by one other person.

    Straight Flush: A straight flush (5 consecutive cards all of the same suit) beats four of a kind.

    Taking part in poker on PokerBaazi is legally permissible in India and we comply with Indian legal guidelines like Indian Penal Code, 1860, Code of Prison Procedure, 1973,
    Indian Data Know-how Act, 2000, the Public Gambling Act, 1867, Overseas Exchange
    Management Act (FEMA) 1999, and so on. Indian online poker web pages have long carried
    out enterprise with Indian prospects, offering authorized loopholes to get spherical financial restrictions in India that can make withdrawals and deposits frustrating.

    To fight timing out”, all online poker video games have some form of action countdown clock. Predicting your oponents strategy and group, determining which pokemon your opponent has and baiting/phising details about your opponents workforce in early sport dictates late game. Innovative, safe and robust the Cyber Gaming poker software program, licensed By ItechLabs – the premier certification establishment – incorporates options similar to dynamic scalability, poker game persistence and a number of redundancies into the basic poker structure itself. On-line gambling is illegal in some jurisdictions and customers should seek the advice of authorized counsel concerning the authorized status of on-line playing and gaming of their jurisdiction.

    Suited cards are way more playable, as connecting pairs and the flush and straight potentialities with these hands put the chances in your favour as far as playable hands are concerned. Start with free play whenever you get a cling of the sport play and technique, however do not forget to enroll and play for actual cash. Doug Polk goes via the hand, analyzing each of their plays as Newhouse makes poker historical past. I’m the QA lead on the venture, so along with testing the game every day I also work with Design and Production to put in writing test plans so QA can effectively take a look at Prominence Poker.

    Great newcomers software I’ve only played one round of poker to this point so I’m unable to inform if it deserves a 5 star rating. Texas Maintain’em is a version of Draw Poker that has turn out to be the most modern version of Poker performed in the direction of the latter half of the first decade of the 21st century. Jatin Banga based the Online Poker League in partnership with GOPOKER, creating an eight-group league that began at virtually the identical time as the PSL. Omaha – Four pocket playing cards are dealt face down, betting ensues, after which 5 group playing cards are dealt face up. A participant should make a winning hand utilizing two of the pocket playing cards mixed with the three group cards.

    ComparePokerHands: 5 poker fingers are compared and the comparability outcomes are listed. Poker is thought to be an expert sport because though this recreation is played with playing cards and there is a component of luck, quite a bit is dependent upon pure skill, arithmetic, likelihood and resolution making strategy. If two arms have the same pair, the other excessive cards are thought-about for rating purposes. Gamers in India should declare their stay or on-line poker winnings and pay a 30% tax on that successful quantity. The safest guess to run and handle a legal online poker website in India is to draft the terms and situations and different paperwork very carefully protecting in mind the legal guidelines of various States.

    Thus it is doable to win a much bigger amount of money by blinds-play in on-line poker. If you can get your head around which cards make what and the names of poker palms, then you can be well on your method to changing into a better poker player. It’s mentioned the game of dice was invented in India and the narrative of one of the two Indian epics – Mahabharata – hinges on the vagaries of losing a guess too many. Since the space is developing there are only a few cyber law firms in India and cyber attorneys who can provide efficient authorized assist and companies in this regard. On this on-line poker variant, a participant has to utilize two out of 4 gap taking part in playing cards and three from the board to make a extreme hand or a low hand combination.

    In a limit poker game, for those who push forward together with your chips and another participant acts in response to your move, you’re dedicated to finishing the bet. In fact, a research means that four out of five poker players in the US use such medicine. They decided to play credit card roulette for the $2,000 dinner tab – everyone tossed their bank cards into a pile, and the server picked one at random to charge. IPA has the mandatory pedigree, processes and importantly the belief of the gamers. It’s often noted that Las Vegas poker is played by barely completely different rules than casinos in Europe, but all online games have agreed to make use of the Las Vegas Rules, as do the Texas Maintain’Em poker tournaments proven on TV including the World Poker Tour and others.

    Doug Polk candidly evaluations his personal play for us, and he also has a couple of ideas on Ivey’s play. 5 playing cards constitutes a enjoying hand; more or fewer than 5 playing cards after the draw constitutes a fouled hand. In huge-bet (that is, non-restrict) games, all types of stud require an ante from each participant, with the very best card or hand appearing first in all rounds of play. The target of Omaha poker is to make a greater 5-card hand than every other participant on the desk. It was expected that different states would comply with Sikkim, thereby opening up a serious online gambling market throughout India. This hand incorporates four playing cards of the identical rank (for instance, four aces) and one aspect card, commonly known as a ‘kicker’. http://forumalliance.net/forum/member.php?u=26439

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