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LV= (Liverpool Victoria), one of the country’s oldest and largest financial mutuals, have recently stressed that their ‘mutuality had served it well over more than a century and a half’. Yet it has decided to sell and thus demutualise, subject to ratification by its member owners.
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LV= was established in Liverpool in 1844 to provide ‘penny policies’, which gave those without wealth an opportunity to bury their dead with some dignity. The need which led to the LV= being established is very much prevalent in 2020 Britain: I am writing this as news has emerged that UNCIEF have agreed to help feed families going hungry in UK. Too many live without the basic common decency of a secure home, food on the table and a fair wage. Despite the social circumstance which should make them more vital and necessary than ever, the economic system is still skewed against mutuals, co-operatives and non-traditional profit-maximising financial firms.
LV= have said they are doing this for capital reasons. The difficulties in changing financial regulations to make it as easy for a financial mutual to attain capital as a PLC are myriad, but definitely not insurmountable by political leaders who are interested in supporting different types of business.
It’s not just the ongoing burdensome regulation and poor support for established financial mutuals in which the system works against our movement. There is a need for a new generation of financial mutuals today, in exactly the same way that there was a need for different type of financial institutions providing for those not drawn from the upper echelons in nineteenth century. However, the fear is that the prevailing legislation, regulation and will is against the creation of a new generation of mutuals – whether deliberate or otherwise.
I believe that a system which valued diverse ownership and business models would ensure that LV= would be incentivised and facilitated in the same way as any private company or PLC to thrive. I also think that there would then be an even stronger case to limit the ability of mutuals such as LV= to demutualise. Many mutuals and co-operatives write into their own rules that they will never go down this path, or ensure that the bar for that to happen is higher than a press release and an AGM. When considering the proposition, the current members of LV= who wish to see a strong future for the organisation may wish to ponder the future of other financial mutuals who decided to demutualise. As has been reported, there are few success stories.
All power to the elbows of those working flat out to buck the trend and start new financial mutual – I know that the Co-operative Party will continue to campaign and plan for a world were new and existing mutuals do not face an uphill battle.
- Games Selection
FortuneJack has a collection of over 2000 games across the various categories on the website. This is undoubtedly one of the most extensive collections for a crypto gambling platform. Notably, this is without the inclusion of their broad Sportsbook selection. Below, we look at the various categories of games you can play.
- Sportsbook
The sportsbook section brings you events from all the major sports tournaments across the world. With close to thirty sports, there is a vast collection of events you can bet on. Again, the website makes it very easy to find your favorite events by arranging the games by the league and by country. In this section, you can bet on games while they play or place your bets before the start of the matches. Further, there is a section dedicated to virtual sports betting, and this is the home for people who believe in luck. At the time of writing this review, only virtual soccer and virtual basketball are live, and the two seem easy to crack.
The sportsbook interface is very clean, and we liked it. Unlike other casinos where you are forced to use a particular style of odds, you have the option to choose either the decimal format, fraction format, or the American system. The neat arrangement of the whole casino and the theme color matches the gambling mood perfectly well. We could not be happier when we noticed an event search field and a time filter on the website. Do you have a specific match you want to bet on? This is simply the best sportsbook we have encountered so far.
- Dice
Do you like rolling the dice? There is a place for you at FortuneJack. And with the ability to roll the dice either manually or automatically, you have the chance to rake in big wins from a low-risk game. The dice roll results are random, meaning the system cannot doctor the results, and it’s all up to your luck. The best part about it is that you can preset the system to increase your wager by a particular percentage automatically or to reset to your preferred base wager if you win or lose a bet. We cannot ask for a better dice game since this is just so real.
- Casino
FortuneJack casino is where the bulk of the more than 2000 games are located. This is the place you will have most of the fun while raking in profits from low stake bets. Even better, you do not need to have funds in your account to enjoy the games since close to 75% of the games have a free play mode. This offers a great way to test your luck before risking real money.
You will be surprised to notice that 19 renowned game providers are offering high-quality games on the platform. While at the casino, you can filter the games by providers, games with free play, and free spins, among other things. And what if you already have a game name in mind? This is when you can use the search button availed on the far left of the menu bar.
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The casino is further divided into various subcategories as below.
Video slots
3D slots
Classic slots
Blackjack
Roulette
Video poker
Scratch and
Others
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- Live casino
Many gamers like live gambling and many casinos have added this feature to their platforms. However, for a crypto gaming website, FortuneJack is way ahead of many other casinos. They have well over sixty live casino games with different themes, winning rates, and by various providers. Some of the popular titles in this category include live baccarat, live dice, live roulette, football studio, and blaze among others.
- Provably fair games
Many casinos have not adopted the concept of provably fair games. Still, FortuneJack is among the few who are continually adapting and adding new games to this rare selection. Provably fair games ensure that the casino only knows your pick at the end of the round. This, in turn, gives players confidence in the game and ensures that no shoddy activities can be done to manipulate the system. At the time of writing, Fortune Jack had titles like Mines, Plinko, Dice, and Keno, among others.
- Bonuses and promotions
Leave alone the wide casino selection, and the crypto gambling sportsbook, the bonuses, and promotions offered by the FJ casino are mouth-watering and are designed to ensure there is always something that keeps you happy and playing.
Registration and first deposit bonuses are perhaps the most lucrative promotions you will find on a crypto gambling site. Twenty-five free spins are credited to your account the moment you register an account and before you make your first deposit. The first deposit attracts a 110% bonus that can get as high as 1.5 BTC and 250 free spins spread equally across your first ten days on the casino. That’s not all, the second and third deposits attract a 50% bonus while the fourth deposit gets a 100% matching bonus.
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Further, regular players are more likely to benefit from the 50% weekly reload bonus that can be as high as 3.5 Bitcoins. There is also a 20% guaranteed monthly cashback for people who deposit at least 0.1 Bitcoins in consecutive months.
In addition to all these bonuses, you will be surprised that there are more regular promotions that you can help you gain considerable leverage. The Miami Garage, for instance, adds members a weekly reload bonus of up to 50% and guaranteed 10% cashback. Even better, there is a lucrative VIP program that is loaded with benefits, bonuses, and cashback rewards.
Other than the VIP program, regular members can participate in the EPL match day promotion and win 1 BTC for predicting seven scorers for seven preselected games. This is as easy and lucrative as it sounds and anyone can participate since it is free.
Payment and withdrawals
FortuneJack runs entirely on cryptocurrency. They accept deposits for nine popular E-wallets, namely:
Bitcoin
Bitcoin Cash
Tron
Dash
Monero
ZCash
Litecoin
Dogecoin and
Ethereum
All withdraws are processed through the same avenues, and all transactions take only a few minutes to complete. Bitcoin is a secure currency and all the transactions done through the system are heavily encrypted to prevent hacking or tracking.
- Privacy and security
Privacy is usually a concern to many players, and FJ takes it with the magnitude it deserves. It is for this reason that they enforce SSL encryption and two-factor authentication. Again, with Bitcoin technology, your financial transactions are secure and completely anonymous. There is zero chance that any government or other third parties can track you using the information you provide to the casino.
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- Customer support
As far as we could establish, customer support is available around the clock for seven days of the week. Again, the support staff is always eager to help and is well equipped with information regarding all the sections of the platform. You will, therefore, experience minimal delays and inconveniences if any. To get help, reach them through the live chat system available on the website or their official email.
- Our Verdict
We are glad to tell you that we like and would recommend FortuneJack casino any gamer looking to gain some profit. Unlike other casinos that have been accused of infiltrating the playfield with bots, FortuneJack is a fair place with high ethical standards. As much as we know through interacting with the site countless times, they do not engage in any malicious activities.
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At FortuneJack, there is a game for everyone. Regardless of the sport or genre of games you are into, you will find value on FJ. Again, the interface for the various sections and games is appealing and fits seamlessly with a gambling mood. Further, the adoption of provably fair games is a sign that they uphold and promote fair play. On a final note, we would like to let you know that this is an honest review that you can trust and only facts are listed herein.