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Illinois:The Lottery’s Next Big Loser

I saw a headline indicating that Illinois was about to get out of the lottery business.The state’s plan is to turn over the running of the lottery for the next 75 years to private investors in exchange for a huge sum up front — perhaps $10 billion. Indiana is considering following suit. The states seem to think they can do more with the money if they get a big balance all at once, albeit less money than the lottery would earn them over time. I understand that line of thinking.

Illinois wants what virtually every lottery winner wants: the money up front. Although now some lottery winners can take a large lump sum right away (of course, much less than the supposed value of the winning ticket), for years they were paid their jackpots in annuities over 20 or 25 years. There’s a major difference between getting a million dollars right away and getting 20 annual checks for $100,000 or so. Yes, both amounts are considered fair, but the lump sum is much preferable: you don’t have to wait to buy your mansion, or (more prudently) you can invest it, earn interest on it, and be protected against inflation.

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The Lottery Winner

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Arnold Schwarzenegger to Lease State Lottery

Analysts from Wall Street testifying at a State Senate hearing in California on Wednesday said that leasing the California State Lottery could raise enough money to help finance health care reform, but only if lawmakers loosen rules enacted to prevent runaway gambling.

Governor Arnold Schwarzenegger announced proposals last week to generate two billion dollars a year to help pay for universal health insurance by leasing the state's lottery. Many experts feel that one way to make the lottery more attractive to bidders is to allow it to undergo a technological transformation that would include the use of equipment such as video lottery terminals resembling slot machines.

'The less constraints, the higher the value,” said Steve Juarez of JPMorgan Chase.

Juarez and other experts at the informational hearing stated that rolling back restraints in the 23-year-old initiative that authorised the lottery would entice more players and boost the current three billion dollars in annual sales and also the long-term value of the games.

However, Fred Jones, an attorney for Californians Against Gambling Expansion, said any such change would be ‘more like going from bows and arrows to fully automatic weapons’ aimed at the poor. The lottery, he said, is part of the gambling industry that mimics a regressive tax that disproportionately hurts low-income people.

'This is very much a political matter and a very important public policy transaction,' said Kathleen Brown, the former State Treasurer and current Head of West Coast Operations for Wall Street investment firm Goldman Sachs.

$13 Million Lotto Winner Shares Journey To Jackpot

An Orlando man who just knew he'd win the lottery one day finally did last Saturday.

He'd already won $100,000 twice and another $50,000 along the way, but this time it was more.

Jose Salmon was so sure that he'd hit it big one day, that since 1998, he was spending $600 a day on lottery tickets.

Accountants win $15M in lottery

15 bean counters from Burlington win $15 million after playing same numbers in lottery for 8 years

Oct 05, 2007 04:30 AM

Paola Loriggio
Staff Reporter

It takes more than a winning lottery ticket to change an accountant.

Of the 15 accountants splitting Wednesday's $15,477,335 Lotto 6/49 jackpot, nearly everyone plans to use the winnings to pay off bills and mortgages or make some strategic investments.

Not Dianne Sherring. She's buying her husband a boat.

"He's wanted one for years," Sherring said as she and her colleagues picked up their cheque at the Ontario Lottery and Gaming prize centre yesterday afternoon.

Now, she said, he can have one.

The group – colleagues from the Burlington waste management firm Newalta Industrial Services – has been buying lottery tickets together for roughly eight years, and always picks the same numbers, said another winner, Jim Vallance.

It's only happenstance that there are 15 of them and $15 million to share, Vallance said.

"It's a coincidence," the Grimsby resident said.

Still reeling from the news, the new millionaires struggled to contain their high spirits long enough to pose for photographers.

"Yahoo!" whooped fellow winner Doug Steeves as he gave a happy dance for the cameras.

Sherring's hands shook as she passed the cheque – a regular one, not an oversized novelty – to her colleagues.

Though the winning numbers were revealed Wednesday night, the group didn't know its luck until the following morning.

Sherring, the group co-ordinator, was too busy to check on Wednesday, like she usually does.

When she got to work yesterday morning, co-worker Sandra Cooper, another winner, insisted she look up the results online.

"Dianne and I both hate our jobs," Cooper joked when asked about her urgency.

(Two of the winners plan to retire in light of their windfall, but not Sherring and Cooper.)

Sherring caved in to the pressure and logged on to the lottery website.

"By the time I got to the fourth number, my heart was beating fast," she said. "By the time I got to the sixth number, it was like `Oh, my God!'"

The pair's resounding shrieks of "Oh, my God" soon alerted the entire seven-floor office building.

"I think all of Burlington knows," Steeves quipped.

"It was just like the commercial," Sherring said.

The winners come from Grimsby, Hamilton, Smithville and St. Catharines. They are between 32 and 70 years old.

LOTTERY WINNER HAS BAD TIME

Money doesnt always make you happier

Cool Cash Lottery Winner!

My very first scratch-off lottery ticket was a $5,000.00 winner! Guess I'm just lucky, seems I win something most of the time I play.

Law Of Attraction Lottery Winners Attracting Wealth

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Psychic Wins Lottery

Saturday September 16th 2006 in Western Australia, Psychics share 22 million dollar payout.

Beat The Lotto

At long last you can SKYROCKET your chances of winning to Beat The Lotto.

Reduce the odds, GUARANTEED…

Every one has played the Lottery, yet that elusive big win, or even small profitable one, continues to elude us... apart from the very lucky few!

It’s time to reduce the gamble; it’s time to sway the odds in YOUR favour.

Now, here's something completely new, WHICH COULD CHANGE YOUR LIFE.

But first, a question. . .

How much easier do you think it would it be to capture the 6 winning numbers in a lottery draw if you were allowed to select and use an entire group of 14 numbers in the attempt, instead of just the usual six?

OK, you could still miss all 6 winning numbers, but the answer I hear you shouting is of course: "This will make it many times easier"..

And you'd be exactly right!

But let's be realistic here, your chances of finding those 6 winning numbers when you use a complete group of any 14-numbers to trace them are hundreds of percent greater than when you're confined to just the ordinary 'use 6 to find 6' procedure.

In other words, seeking a group of 6 using a group of 14 beats the pants off of using 6 to find 6!

Of course, selecting your 14-numbers is only part of the story - albeit an important part!

Having done so, you must then be able to arrange them into a series of highly potent 6-number game groups that you would play on the lottery to give you not just one but many chances of winning a share of the prize money.

Put another way, selecting a group of 14-numbers that subsequently proves to incorporate the 6 winning numbers is the first step. The second step is to construct a series of 6-number game groups using those 14-numbers and to do it in such way that most, if not all, of the captured winning numbers are brought together in one or more of the constructed 6-number game groups that you play on the lottery.

So, to summarize, there are two essential elements:

The first is to select any fourteen numbers played on the lottery in question and in doing so to capture the six winning numbers within that selected fourteen numbers group.

The second is to 'crunch' those fourteen numbers selected in a manner that isolates the winners and pulls them together in a series of 6-number game groups - all of which you play at one and the same time in a given lottery draw.

The first of those two elements is down to you as the player. But the exciting thing about this aspect is that a review of any lottery anywhere often reveals numbers that are drawn with significantly greater frequency than others. As a start point, these are the numbers to include in your 14-numbers group. And there are ways of refining the choice procedure.

The second element is where the 'something new' I mentioned earlier now takes its bow of introduction.

An awe inspiring new system that I've chosen to call BeatTheLotto.

In brief BeatTheLotto has its roots in higher mathematical formulae that calculate the risk, chance and likelihood of 6-number game groups that are derived from the 14 selected numbers mathematically being most likely to incorporate the six winning numbers, and generate no less than seventeen 6-number game groups with a high probability of success - always provided that those six winning numbers are in the first place contained within the 14-selected numbers.

So, does BeatTheLotto work? How reliably does it draw those winning numbers together? How much prize money can BeatTheLotto put in your pocket - and how often?

Judge for yourself.

To test BeatTheLotto I looked-up the results of the British Lotto draws made between 8th November and 26th November, 2003, inclusive. I only chose the British Lotto because this is where I live, BeatTheLotto will crack any lottery in any country.

I took the six winning numbers for each of the dates concerned and added to them eight additional numbers chosen at random to give the required 14-numbers selection for BeatTheLotto.

And the question was, "If I'd chosen these six different sets of fourteen numbers on the dates concerned and processed them through BeatTheLotto and then played the seventeen games recommended each time by BeatTheLotto, what would have been the outcome for me?"

Here are the results:

8th Nov: 7 lines with 3 winning numbers 1 line with 4 winning numbers 1 line with 5 winning numbers

12th Nov: 5 lines with 3 winning numbers 2 lines with 4 winning numbers 1 line with 5 winning numbers

15th Nov: 6 lines with 3 winning numbers 1 line with 4 winning numbers 1 line with 5 winning numbers

19th Nov: 5 lines with 3 winning numbers 3 lines with 4 winning numbers

22nd Nov: 5 lines with 3 winning numbers 1 line with 4 winning numbers 1 line with 5 winning numbers

26th Nov: 7 lines with 3 winning numbers 1 line with 4 winning numbers 1 line with 5 winning numbers

OK, so no jackpot. But the results achieved add-up to superb cash returns. RANGING FROM HUNDREDS TO THOUSANDS OF POUNDS IN CASH WINNING!

And in five of the six tests BeatTheLotto is within just ONE number of landing the jackpot.

How impressive is that?

Using the 14-numbers selection approach to find all six winning numbers won't necessarily guarantee your getting all six winners in a single 6-number game group and therefore winning the jackpot.

Of course you may likely do so, and these six tests imply that at some point you will, but because you've trawled the six winners using a 14-numbers net there is a possibility, depending upon where they're positioned within the 14-numbers, that they may not all be brought together in any of the 6-number game groups that you play.

However, as you see, BeatTheLotto will consistently give you multiple wins per draw comprising of various combinations of three, four and even five winning numbers per group.

And, of course, from time-to-time BeatTheLotto will more than likely capture all six winners in one of the 6-number game groups to give you that jackpot win.

As you will know, the British Lotto is a 6-Pick 49-ball lottery. But playing a 6-Pick 42-ball lottery obviously makes it even easier to include the required 6 winning numbers in the 14-numbers selection needed for BeatTheLotto.

Test results may vary from the examples given depending upon how numerically close or otherwise the winning numbers are to each other but will nonetheless consistently demonstrate BeatTheLotto's sensational potential for producing big prize profits from any 6-Pick lottery - not just once, but time and time again.

Just get those six winning numbers within your selected fourteen, and you're in the money - every time!

Bonus

BeatTheLotto Pick-5
Development & Test Report

When I set out to create the Pick-5 version of BeatTheLotto I felt it was vital to retain the outstanding power inherent in the existing Pick-6 version.

And so I’ve incorporated in BeatTheLotto Pick-5 a great deal of the BeatTheLotto Pick-6 procedures and under testing have found the new Pick-5 Application’s performance to be comparable to that of the original Pick-6 version.

The main difference you’ll notice between BTL Pick-5 and BTL Pick-6, aside from the fact that the games played comprise only 5 numbers, is that BTL Pick-5 deploys 20 games whereas BTL Pick-6 needs only 17 games. This is a consequence that arises out of retaining the BTL Pick-6 14 numbers selection procedure whilst reducing the games size from 6 to 5. But the considerable advantage of retaining the full 14 numbers selection procedure for Pick-5 is that it provides you with the same high potential catchment factor for the winning lottery numbers, even though it means you need to play an extra three games per lottery draw.

For data to run my tests with Pick-5 I went to the Website of BeatTheLotto customer Eva Dorn’s favourite lotto, the Carolina 5, and noted the results of the five draws from January 27th to February 10th, 2004, inclusive. Then, to simulate real playing situations, I mixed each of the actual five sets of winning numbers for those dates with randomly chosen nine other numbers to give in each case the required total of fourteen numbers to run through the BTL Pick-5 selection process.

Here are the test results:

February 3rd First test: First test: 3 lines x 4 numbers 3 lines x 3 numbers Second test: 6 lines x 3 numbers

February 10th First test: 7 lines x 3 numbers Second test: 3 lines x 3 numbers 1 line x 4 numbers

February 6th First test: 1 line x 4 numbers 2 lines x 3 numbers Second test: 4 lines x 3 numbers

January 30th First test: 4 lines x 3 numbers Second test: 2 lines x 3 numbers 1 line x 4 numbers

In the case of January 27th draw we have a most interesting situation in that the spread of winning numbers – 1,12, 19, 23 and 35 – makes the game an extremely hard one to call. The acute difficulty is due to two of the winners, 1 and 35, being at the opposite ends of the total 36 numbers in play.

Because of this I put BTL Pick-5 through no less than TWELVE separate test runs for this particular group of winning numbers and used different combinations of random numbers and, with the exception of the winning number 1 which always occupied the first selection cell, experimented with different placing of the winning numbers in the selection grid within the changing sequence of random numbers.

The twelve separate results are:

• 1 line x 3 numbers
• 3 lines x 3 numbers
• 3 lines x 3 numbers
• 2 lines x 3 numbers and 1 line x 4 numbers
• 3 lines x 3 numbers
• 2 lines x 3 numbers and 1 line x 4 numbers
• 2 lines x 3 numbers
• 3 lines x 3 numbers
• 3 lines x 3 numbers
• 3 lines x 3 numbers
• 1 line x 4 numbers
• 1 line x 3 numbers and 1 line x 4 numbers

You should bear in mind that these are the results of twelve separate tests on the same group of the actual 5 winning numbers taken from the January 27th 2004 draw of the US Carolina 5 Lottery. Remember, too, that this particular set of winning numbers is extraordinarily difficult to handle because two of them are at extreme opposites ends of the total numbers in play, effectively leaving BeatTheLotto Pick-5 with only 3 of the 5 numbers involved having vital positional flexibility.

Yet, despite all, in what by any standard of measurement must rank as a seriously punishing test, BeatTheLotto Pick-5, as you can clearly see from the results tabled above, succeeded in generating a full house of winning games.

On that basis I am happy to offer BTL Pick-5 to you as a worthy bonus companion to BTL Pick-6.

Frankly, once you've run through a few trials using past lottery results you'll begin to realise just how much real lottery-winning power you have in your hands with BeatTheLotto.

But don't take my word for it! You don't have to risk a penny to prove me wrong!

However, if I'm right, you could be just one ticket away from a lottery jackpot.

I'm absolutely convinced that BeatTheLotto will change your life. When you stop to consider, the vast majority of people world-wide never have won much, if anything, from playing the lottery. And truth to tell, choosing 6 to find 6, most never will.

But BeatTheLotto can change all that, providing many with a means of taking a worthwhile regular and substantial profit and doubtless creating a few new millionaires along the way.

And if all that wasn't enough I'm pre-launching BeatTheLotto at an unbelievable introductory price. As BeatTheLotto extends it's reach into the marketplace I shall be retailing it at $97.

But during this pre-launch time I'm slashing that to just $39.95

My reason is that I want to get people using it and winning with it. The more winners the more the word will spread, the more people win...

So order BeatTheLotto before midnight tonight July 28, 2007 and take advantage of the amazing pre-launch offer.

Best regards,
Donald Hunting

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2007 - My 17th Year Helping Thousands Win Lotto!...

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"Do You Wonder Why You Can't Win Lotto ... While Hundreds Who Ordered My 1-Minute, 300% Guaranteed Lotto System Are Winning Prizes Each Week?"

From: Ken Silver - The $2 Million Dollar Lotto Guy
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t's a proven fact... my unique Silver Lotto System can massively increase your lottery win odds - and get you winning every 8 out of 10 games - Guaranteed! (I'll return your purchase price and also give you a year's $94 Lotto Membership if you don't!)...

Play My System: Just follow the easy step-by-step directions with this system for any lotto game in the world, like Maher M...WINNER: $537,396.59!

Follow My Easy 1-Step Plan: Set and forget! You only do it once. And you don't have to spend a fortune to get great results. Your investment can be just a few dollars a game like John Tay...WINNER: $500,000.00!

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Everyone has their own way of playing lotto

Some folks play when they can afford it.

Other folk play when they can't afford it!

Others - when the winning numbers are close in one game - will immediately go out and play another game in the hope that their 'good luck' streak will continue.

None of the above is a good idea. But particularly relying on good luck.

Because there's no such thing as a streak of good luck. It's just when two or more good things happen together we sit up and take notice because it looks so unusual.

It's just life being random, but looking connected.
Find out more at Easy Lottery Winner

PSYCHICS AND THE LOTTERY

Whatever your belief about the credibility of psychics, I do believe that some people are just more in tune with the universe than others.  Also, that not all psychics are created equal.

 

I have found the websites of several psychics lately.  Amongst the postings some will list a subscription that you can purchase for winning lottery numbers.  They will list winning numbers that they have predicted.  I just wonder how the winning numbers that they have selected corresponds with the total number of people that have signed up for subscriptions or are the numbers that they are selecting just a natural occurrence that fall into line with the laws of probability.

 

If you are going to purchase a subscription for lottery numbers from a psychic, as with anything, do your homework and let the buyer beware.

 

Elaine

 

 

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8 lottery winners who lost their millions - MSN Money

8 lottery winners who lost their millions - MSN Money

Having piles of cash only compounds problems for some people. Here are sad tales of foolishness, hit men, greedy relatives and dreams dashed.

By Bankrate.com

For a lot of people, winning the lottery is the American dream. But for many lottery winners, the reality is more like a nightmare.

"Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of $5.4 million. Today the money is all gone and Adams lives in a trailer.

"I won the American dream but I lost it, too. It was a very hard fall. It's called rock bottom," says Adams.

"Everybody wanted my money. Everybody had their hand out. I never learned one simple word in the English language -- 'No.' I wish I had the chance to do it all over again. I'd be much smarter about it now," says Adams, who also lost money at the slot machines in Atlantic City.

"I was a big-time gambler," admits Adams. "I didn't drop a million dollars, but it was a lot of money. I made mistakes, some I regret, some I don't. I'm human. I can't go back now so I just go forward, one step at a time."

Living on food stamps

William "Bud" Post won $16.2 million in the Pennsylvania lottery in 1988 but now lives on his Social Security.

"I wish it never happened. It was totally a nightmare," says Post.

A former girlfriend successfully sued him for a share of his winnings. It wasn't his only lawsuit. A brother was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. Other siblings pestered him until he agreed to invest in a car business and a restaurant in Sarasota, Fla., -- two ventures that brought no money back and further strained his relationship with his siblings.

Post even spent time in jail for firing a gun over the head of a bill collector. Within a year, he was $1 million in debt.

Post admitted he was both careless and foolish, trying to please his family. He eventually declared bankruptcy.

Now he lives quietly on $450 a month and food stamps.

"I'm tired, I'm over 65 years old, and I just had a serious operation for a heart aneurysm. Lotteries don't mean (anything) to me," says Post.

Deeper in debt

Suzanne Mullins won $4.2 million in the Virginia lottery in 1993. Now she's deeply in debt to a company that lent her money using the winnings as collateral.

She borrowed $197,746.15, which she agreed to pay back with her yearly checks from the Virginia lottery through 2006. When the rules changed allowing her to collect her winnings in a lump sum, she cashed in the remaining amount. But she stopped making payments on the loan.

She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed $1 million for medical bills.

Mark Kidd, the Roanoke, Va., lawyer who represented the Singer Asset Finance Company who sued Mullins, confirms her plight. He won a judgment for the company against Mullins for $154,147 last May, but they have yet to collect a nickel.

"My understanding is she has no assets," says Kidd.

Back to the basics

Ken Proxmire was a machinist when he won $1 million in the Michigan lottery. He moved to California and went into the car business with his brothers. Within five years, he had filed for bankruptcy.

"He was just a poor boy who got lucky and wanted to take care of everybody," explains Ken's son Rick.

"It was a hell of a good ride for three or four years, but now he lives more simply. There's no more talk of owning a helicopter or riding in limos. We're just everyday folk. Dad's now back to work as a machinist," says his son.

Willie Hurt of Lansing, Mich., won $3.1 million in 1989. Two years later he was broke and charged with murder. His lawyer says Hurt spent his fortune on a divorce and crack cocaine.

Charles Riddle of Belleville, Mich., won $1 million in 1975. Afterward, he got divorced, faced several lawsuits and was indicted for selling cocaine.

Missourian Janite Lee won $18 million in 1993. Lee was generous to a variety of causes, giving to politics, education and the community. But according to published reports, eight years after winning, Lee had filed for bankruptcy with only $700 left in two bank accounts and no cash on hand.

One Southeastern family won $4.2 million in the early '90s. They bought a huge house and succumbed to repeated family requests for help in paying off debts.

The house, cars and relatives ate the whole pot. Eleven years later, the couple is divorcing, the house is sold and they have to split what is left of the lottery proceeds. The wife got a very small house. The husband has moved in with the kids. Even the life insurance they bought ended up getting cashed in.

"It was not the pot of gold at the end of the rainbow," says their financial advisor.

Luck is fleeting

These sad-but-true tales are not uncommon, say the experts.

"For many people, sudden money can cause disaster," says Susan Bradley, a certified financial planner in Palm Beach, Fla., and founder of the Sudden Money Institute, a resource center for new money recipients and their advisors.

"In our culture, there is a widely held belief that money solves problems. People think if they had more money, their troubles would be over. When a family receives sudden money, they frequently learn that money can cause as many problems as it solves," she says.

Craig Wallace, a senior funding officer for a company that buys lottery annuity payments in exchange for lump sums, agrees.

"Going broke is a common malady, particularly with the smaller winners. Say you've won $1 million. What you've really won is a promise to be paid $50,000 a year. People win and they think they're millionaires. They go out and buy houses and cars and before they know it, they're in way over their heads," he says.

Are you really a 'millionaire'?

Part of the problem is that the winners buy into the hype.

"These people believe they are millionaires. They buy into the hype, but most of these people will go to their graves without ever becoming a millionaire," says Wallace, who has been in the business for almost a decade.

"In New Jersey, they manipulate the reality of the situation to sell more tickets. Each winner takes a picture with a check that becomes a 3-foot by 5-foot stand-up card. The winner is photographed standing next to a beautiful woman and the caption reads: 'New Jersey's newest millionaire.'"

Winning plays a game with your head

Bradley, who authored "Sudden Money: Managing a Financial Windfall," says winners get into trouble because they fail to address the emotional connection to the windfall.

"There are two sides to money. The interior side is the psychology of money and the family relationship to money. The exterior side is the tax codes, the money allocation, etc."

"The goal is to integrate the two. People who can't integrate their interior relationship with money appropriately are more likely to crash and burn," says Bradley.

"Often they can keep the money and lose family and friends -- or lose the money and keep the family and friends -- or even lose the money and lose the family and friends."

Bill Pomeroy, a certified financial planner in Baton Rouge, La., has dealt with a number of lottery winners who went broke.

"Because the winners have a large sum of money, they make the mistake of thinking they know what they're doing. They are willing to plunk down large sums on investments they know nothing about or go in with a partner who may not know how to run a business."

What if you get so (un)lucky?

To offset some bad early decision-making and the inevitable requests of friends, relatives and strangers, Bradley recommends lottery winners start by setting up a DFZ or decision-free zone.

"Take time out from making any financial decisions," she says. "Do this right away. For some people, it's smart to do it before you even get your hands on the money.

"People who are not used to having money are fragile and vulnerable, and there are plenty of people out there who are willing to prey on that vulnerability -- even friends and family," she cautions.

"It's not a time to decide what stocks to buy or jump into a new house purchase or new business venture.

"It's a time to think things through, sort things out and seek an advisory team to help make those important financial choices."

As an example, Bradley says that people who come into a windfall will typically put buying a house as No. 1 in list of 12 choices, while investing is No. 11.

"You really don't want to buy a new house before taking the time to think about what the consequences are.

"A lot of people who don't have money don't realize how much it costs to live in a big house -- decorators, furniture, taxes, insurance, even utility costs are greater. People need a reality check before they sign the contract," she says.

Evelyn Adams, the N.J. lottery double-winner, learned these lessons the hard way.

"There are a lot of people out there like me who don't know how to deal with money," laments Adams. "Hey, some people went broke in six months. At least I held on for a few years."

(For more information on dealing with a sudden change in your fortunes, read "You're suddenly rich? Bummer," on MSN Money.)

By Ellen Goodstein, Bankrate.com

My Lotto Strategy

Ever since the Texas lottery started (I guess it's been about 10 years) I've always played the same numbers for each drawing. I've come to the conclusion that my numbers pretty much stink, but I'm afraid that if I were to change them now, the old numbers would hit...just because that's kinda how my luck works.

Anybody else got some number picking strategies?

Chinese Fortune Cookie

A method, hokey as it sounds, for picking numbers, is to use the little paper provided in most Chinese Fortune Cookies, with the saying, the words in Chinese, etc. There are usually lucky numbers on the bottom, I play them- haven't won yet, but who knows?

Know which form of gambling is for you

Gambling has evolved into different forms. Gambling, primarily, is a form of entertainment. It is a sport involving money, or whatever is at stake, in a game of chance. Gambling or betting began as early as 2300 B.C. Gambling artifacts, like dice, had been found in countries like Egypt, China, India and Rome. In a recent poll, 63% of Americans support legalized gambling. Another 22% agree that it must be expanded. From dice to roulettes and to computer mouse, which form of gambling is for you? Here are some choices:


*Casino games
These are gambling games usually played inside the casino. A player can win with the right tactic and optimistic mathematical probability. Here are some examples:

Poker
Poker is the most popular casino game. It is believed to have been originated from the game ‘as nas’, which is a Persian game. It uses a deck of cards for a series of betting rounds. The player with the best hand wins the pot. Poker is also regarded as a game of strategy and skill.

Online Casino
These are virtual casinos that are played on the internet. The rules are similar with actual casino games but players can either be a real or computer- generated players.

Slot machines
A betting machine that uses a coin to rotate a set of reels usually pulled by a lever. You have to get identical patterns to win.

Roulette
Roulettes were invented by Blaise Pascal, a French mathematician, in 1842. It is a simple gambling game where in you have to bet on which number a small ball will hit.


*Gambling with fixed- odds
These are certain types of game where in you have to bet on a specific outcome of a given situation. These include horse racing, baseball, motor racing, jai alai and ice hockey, among others.


*Sports betting
Even though illegal in most countries, sports betting have boomed in the gambling industry. Bets are based on a point system of sports, like baseball or football. Common sports bets are: against the spread, against odds and against a combination of spread and odds.


*Arbitrage betting
You might often see this on the web tagged as risk- free gambling. The concept is to put a bet on a particular result with varied betting groups. Being an investment procedure, it involves a bigger amount of money compared to normal gambling.


Be sure to treat gambling as a pastime, and not a source of money. When engaged in one, set a maximum spending limit. Practice gambling in moderation and don’t let it interfere with your set priorities in life.

WBIR.COM - Tennessee lottery's first raffle-style game results in 4 new millionaires

WBIR.COM - Tennessee lottery's first raffle-style game results in 4 new millionaires

Tennessee lottery's first raffle-style game results in 4 new millionaires

Million $ Madness was the Lottery's first raffle-style game. The last of 800,000 tickets was sold shortly after 9 p.m. CT Sunday night. Prior to awarding these four prizes, the Lottery has awarded $1 million or more to 12 Tennessee players, six who won from playing an instant ticket game and another six who won from Powerball, including a jackpot winner of $25.5 million and a Power Play 10X winner of $2 million.

The Tennessee Lottery began selling its first tickets on January 20, 2004. As of March 31, 2007, the Lottery has raised over $842 million to fund specific education programs, including college scholarships, pre-kindergarten and after-school programs. For more information, please visit www.tnlottery.com. For information about Lottery-funded scholarships, visit www.collegepaystn.com.

Lottery Winnings

This site if very helpful, and gives you a lot of information that you may be looking for on winning the lottery.

An inspiring story

There was a young girl in Hamer, Tennessee who, at age seven, was orphaned and had to go to the home of her older sister and be raised by the sister and her no-nonsense farmer husband. She didn't have much growing up. She worked in a grocery store, married, had a child, and then worked in a convenience store owned by Terry Derryberry.

The Tennessee lottery had launched a new scratch-off game, in which the grand prize was $1000 a week for life, with a minimum guarantee of a million dollars. The young woman had asked the owner for the last remaining 8 tickets on the old roll, and bought two with part of her small weekly paycheck. She was driving home and decided to scratch the tickets, and, to her amazement, she WON!!

She ended up buying the convenience store where she worked, and is now the proud owner. This is proof that lottery dreams can come true.

Tax considerations

When you\'re learning about something new, it\'s easy to feel overwhelmed by the sheer amount of relevant information available. This informative article should help you focus on the central points.

 

If you base what you do on inaccurate information, you might be unpleasantly surprised by the consequences. Make sure you get the whole Lottery story from informed sources.

For some taxpayers, the dream of a sudden windfall can turn into a awful tax headache. Winning a major lottery prize requires an immediate examination of the winner\'s situation, often including a choice of whether to take the award in a lump sum or as an annuity, determining if there was a preexisting agreement to share costs and winnings, deciding on whether to make gifts—charitable or otherwise—and calculating the impact on the winner\'s potential gross estate.

Every day, in 37 states and the District of Columbia, lottery contestants take a chance on becoming instant millionaires. If they win, their lives will forever be changed by new social, family, and financial pressures. Among the issues they must immediately confront are the tax implications.

INCOME TAX ISSUES

From an income tax perspective, the issues include the timing of income recognition, application of the constructive receipt and economic benefit doctrines, withholding, the ability to offset losses, and the potential to assign or sell the lottery proceeds.

Inclusion in Income
There no longer is any question (if ever there was) but that winnings from lotteries and raffles are gambling winnings included in gross income under Section 61.1 In addition, Section 74(a) states that "gross income includes amounts received as prizes and awards."2 Section 102(a) provides an exclusion from income for gifts, but a lottery prize is received in exchange for the purchase of a lottery ticket and not from the "detached and disinterested generosity" of the lottery.3

In some instances, when a lottery prize is payable in installments, the lottery may purchase a bond or an annuity, and a portion of each annual installment may be designated as interest on the unpaid balance. Section 103(a) provides that "gross income does not include interest on any State or local bond." Given the fact that a portion of each annual installment of a lottery prize is designated as interest, there is at least a color able argument that the interest being paid falls within the scope of Section 103(a). Nevertheless, Rev. Rul. 78-140, 1978-1 CB 27, states that amounts designated as interest to be paid on the unpaid annual installments of the grand prize of a state lottery, with the interest and the installments totaling the stated amount of the prize, will not be excludable from gross income of the winner under Section 103(a).
 

Sometimes it\'s tough to sort out all the details related to this subject, but I\'m positive you\'ll have no trouble making sense of the information presented above.

Win That Lotto!

There is no magic way to ALWAYS win the lotto. Anyone who promises you this is lying. However, there are strategies and systems you can use to dramatically increase your odds of winning.

The majority of people don't know these strategies, and just play the lotto blind, and their odds are slim to none. While a few "underground" lotto pro's DO know these strategies, and they use them to make a killing.

Here are just some of the things you will learn in a few minutes after you download "Win That Lotto!".

The REAL "secrets" behind how to win the lottery. No hype, no non-sense.

Top lottery systems that will put the odds in your favor. Your chances of winning will skyrocket over the average guy.

How to avoid the common mistakes average lotto players make. If you make these same mistakes, they are killing your chances of winning.

How to come up with the best number combinations. This will give you the best chance of winning the BIG jackpot or one of smaller prizes.

Which number combinations NOT to play. Certain number combinations are ALWAYS picked by 100's and 1000's of other lotto players. That means if you select the same numbers, you will have to share your prize with 100's of other people. So this is extremely important if you don't want to share your prize with 100's of others.

The do's and dont's of playing the lotto. You must know these things if you want to win.

The lotto pros' most used and popular methods of playing the lottery. Find out exactly what the lotto pro's do to win.

Advantages and disadvantages of each "system". Everything broken down for you so you can pick and choose your own methods.

How to build your own winning lotto system.

The truth behind free lotto. Is it really too good to be true?

The different lotto rules around the world. Which countries have the smallest lotto taxes, which countries have the biggest jackpots, etc..

And much more....CLICK HERE NOW!!!

Deserving winner

There is a newspaper guy that delivers every day Monday though Friday .  He is around 57 years of age.  One day I asked him how come your doing this job.  He said hun I have a mentally handicapped child which my wife and I take care of  and me not working this job along with my other won't pay for her doctors, medicines and other things. 

Well about 2 wks later I saw a different newspaper man.  I asked him where my buddy was and he said he didn't know.  Well for the next month I did not see him and I had been looking

Well to make a long story short I finally saw him at Walmart.  I went up to him said hello and told him i had been wondering where he was.  He looked at me smiled and said  God finally answered my prayers I won the million dollar lottery and finally can give my daughter the care she needs.  I congratulated him and off he went.  Finally a person one who really needed it.

Chicken follow-up

How unfortunate for that chicken.  I guess his curiosity got the best of him. 

As far as systems to win the lottery are concerned, I have read several and have tried their recommended techniques, but so far any winning that I have done has been purely out of chance.  I\'m not a big lottery player, but wouldn't mind hitting on occasion.  Might bring me back more often.  What suggestions would you have for winning at the lottery?

Elaine

From Winner to Dinner

A British newspaper reported that a chicken which picked out winning lottery numbers for its owner has been eaten by a fox. The chicken, named 'Lucky' was originally rescued from death by its owner, Billy Gibbons. Lucky used to peck out the numbers on a calculator and over time got Billy almost US$2,5000. However, the fox entered an unlocked coop - and the winner became a dinner! 

Pay Day Loans EXPOSED!!! Don't fall into this trap!

Pay Day loans may seem like a boon and a blessing to you when your paycheck doesn’t stretch until the end of the month, or when an emergency comes up. But, in the long run Pay Day loans are a bane and a burden to most borrowers who take one out. They can ruin your credit, too!

You work hard for your money. The last thing you need is to fall into a trap set by a predatory lender to drain you of your hard-earned cash.

Don’t let yourself be tricked by some slick advertising into entering a nightmare of ever-increasing debt!

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