#unclaimed money in texas

[goldenrefundretrievers]

Unclaimed Funds Revealed: How to Find and Recover Your Lost Money

Did you know that billions of dollars in unclaimed funds are waiting to be claimed? These unclaimed assets stem from sources like forgotten bank accounts, uncashed checks, insurance payouts, and even tax refunds. Surprisingly, many individuals are unaware that they might have unclaimed money just waiting for them. This guide will help you understand what unclaimed funds are, how to conduct an unclaimed money search, and the steps to find and recover your lost money.

What Are Unclaimed Funds?

Unclaimed funds refer to financial assets or money that remain unclaimed by their rightful owners. After a period of inactivity, these funds are usually handed over to government agencies or financial institutions for safekeeping. For instance, if you forget to update your address after moving and your bank account becomes inactive, the remaining money in that account may be classified as unclaimed funds.

Common sources of unclaimed funds include:

Inactive bank accounts

Unclaimed paychecks

Payouts from insurance policies

Utility security deposits

Overlooked retirement accounts

Forgotten stocks and dividends

Recognizing what qualifies as unclaimed money is an essential first step to uncovering assets that could be yours.

How to Start Your Unclaimed Money Search

Finding unclaimed money might seem overwhelming, but with the help of modern tools and resources, it’s easier than ever. Follow these steps to kickstart your search:

Check Government Databases

Start by visiting official government platforms like MissingMoney.com or your state’s treasury website. These resources are free, trustworthy, and offer access to records of unclaimed funds across various states.

Search in All Relevant States

If you’ve moved between states, ensure you search for unclaimed funds in every state where you’ve lived. Many unclaimed assets are held in the state where they were originally established.

Leverage Unclaimed Money Finder Services

Consider using services designed to assist with locating unclaimed funds. Some of these third-party tools are free, while others may charge a fee for their advanced features.

Reach Out to Financial Institutions

Contact banks, insurance companies, or previous employers directly to inquire about any unclaimed assets linked to your name.

Tips for Recovering Lost Money

Once you’ve identified potential unclaimed funds, recovering them is straightforward if you follow these steps:

Verify Your Identity

Provide the necessary documentation to prove your identity. This typically includes a government-issued ID, proof of address, and possibly your Social Security Number.

Submit the Required Forms

Most states require you to complete a claim form, either online or by mail. Ensure all details again to avoid any interruptions in processing.

Keep Track of Your Claim

Processing times for unclaimed funds vary. Maintain a record of your claim submission and follow up with the respective agency if there are delays.

Beware of Scams

Be cautious of unsolicited offers to help you recover your money, especially if they demand a large fee upfront. Stick to official resources or trusted services that charge minimal or no fees.

Why It’s Important to Check for Unclaimed Funds

The amount of unclaimed money waiting to be discovered might surprise you. Recovering these funds can:

Strengthen your financial position

Help you pay off outstanding debts

Increase your savings for future goals

Moreover, if left unclaimed for an extended period, these assets may eventually be absorbed by the state. By conducting regular unclaimed money searches, you can ensure that your rightful assets don’t slip away.

Ending Words

Navigating the complex world of unclaimed funds doesn’t have to be a solo journey. Our dedicated team of professionals is here to make the process simple and stress-free. Whether you’re just beginning your search or need guidance with submitting a claim, we’ve got the expertise to help you reclaim what’s rightfully yours.

Let us help you turn potential unclaimed assets into real financial gains. Don’t let your hard-earned money remain unclaimed—take the first step towards recovering your lost funds. Contact us now, and let’s make your unclaimed money search a success!

[gladiatorcunt]

- # 🎰 All or Nothing (Ace in the Hole) !!

cw: afab!reader, breeding, implied murder, inaccurate fallout au (vault inspired by Fallout 76 bc i just wanted one mention of appalachian horror vibes), reader lowkey has a old man fetish (mentions of age gaps though no specific men are mentioned), childhood best friends to strangers to lovers (forcibly), future extreme dubcon, fallout typical sexism and expectations & creepy behavior (attempted grooming (?)), biblical undertones, ambiguous time period, implied southern setting & characters, unedited

1k event / commissions

It’s been so quiet for ages now, deathly silent as if everyone in the world was perfectly sound asleep. Your world consists of metal tunnels buried deep underground, a myriad of dark rooms that are meant to simulate the life you’re supposed to have on the surface. A cafeteria, where there’s hearty chuckles and playful ribbing over food even astronaut’s would have turned their noses up at. Piles of meat the same color as a fresh corpse, slightly moldy cheese and bread on the days the ego maniac people in charge are feeling fancy.

Green Houses, meeting rooms, infirmarys, kitchens, breeding rooms bedrooms, you truly have it all in vault 426. Jewel of the Texas Commonwealth. Even the howling coming from above like a hailstorm can be soothing when you have nothing else to listen to. They say your name when your back is turned, when they know you can’t venture out to see them. The temptation has driven people mad before, it will again. Right now, you wander through the vault searching for any sign of life. Yesterday you were arguing with your Ma over what she had done, hitching your wagon to one of the few unclaimed men your age. Now you were wishin’ on stars the elders used to talk about seein’ that you would peek around the rusting corner to find her waiting. You don’t want to wonder why there’s blood on the wall, varying between bright and darker shades of red.

Not a single peep from the man you were meant to marry, ‘your last chance at a proper purpose’ Pa had said. This vault wasn’t strongly steered in the direction of being a hive for breeding, but in these uncertain times more pairs of hands ready to rebuild the world were more than encouraged. Seeing as this bubble of refuge from the acid sky was so precious, every life counts. You knew that future would be yours someday, and you didn’t really mind. It got boring occasionally in the vault, knitting the same garment again and gossiping with your Ma’s friends about the same subjects. Maybe a cock in your cunt would settle your nerves, caring for a baby would be a task that would never end.

The wedding was supposed to be today, at noon on the dot. You overslept, panicking when your kitschy alarm clock didn’t rouse you from your dreamless sleep. It wasn’t until you zipped up your blue and yellow suit and tip toed outside of your room that you truly felt afraid. What reason would you have had to feel the uncomfortable emotion before? Life was so serene and idyllic nestled in the dirt, your vault a poor man’s sword in the stone. An intoxicating comfort zone that you cared more about staying in than fighting against, though there whispers from dwellers who felt otherwise. Your childhood friends, Patrick and Art, who you have drifted apart from over the years.

It was childish, your past feelings of jealousy, it wasn’t hard for them to become the most eligible bachelors in the community. There were only a handful of single young men left these days, or your only option was a old timer who had already broken in quite a few wives. They have the chipped belts and rough hands to prove it, you’ve gotten a rush of fluid in between your thighs when you lie awake and think about it for too long. Perhaps it wouldn’t be too terribly awful if you got saddled with a stern older man, some beaten down part of your brain begs for it. Your Pa’s buddies used to say that they would bet good money on tight your velvet grip would be.

There were many invitations to sit in on their blackjack games left unanswered in your Ma’s nightstand, under brass lock and key.

But to see your friends be giggled and fawned over made your stomach churn, so you pushed them away and focused on living as any good dweller would. Preparing to spend your years with your lips frozen in a smile and your holes split open around wrinkly skin, your shape molded by your husband. If you could’ve known that that would only make more determined to prove their toughness to you, that they would be the hands clasping pearls around your neck and slamming their dicks into your untouched flesh.

“Aw, hell-” A deep voice gasps and grabs ahold of your fore arms, wrestling you into an abandoned bedroom as you walk past.

You squawk, flapping your arms around in an effort to fight. Then you see him, Art, smiling gently and reaching out to cup your tear covered cheek. His other hand is free, which means that the man restraining you has to be Patrick. Where one is, the other will he close behind. There’s a saying about smoke and fire, and you hear the crackling embers as Art gingerly slides his other hand around your neck. A new fangeled set of pearls, hard won and all yours. Call it an engagement present.

“There you are, Angel Face, we were so damn worried about you.” Art coos, the ‘damn’ hissed in a way that gives off a ‘I still haven’t got used to being allowed to swear’ impression.

You think he could the be the angel, a scythe discarded in favor of a well used hatchet lying on the floor. His blood splattered curls call to you, or the absurdity of the situation must be sinking in and overpowering your ability to accept reality. Of course you had sensed their hungry eyes burning holes into your soul, yes you had heard the shuffling and muffled shouts outside your door. The way it would creak open when you were believe to have succumb to slumber. You don’t feel bored, and that’s enough of a thrill for you to recognize where your new place in the food chain is. The bottom.

“I don’t- I- What’s goin’ on? Where is everybody?” You ask, stupid and content to be their lover in distress.

Patrick readjusts his hold on you and wraps his arms fully around you, spinning you around to come face to face with him. If you thought Art looks drenched in blood, Patrick appears to be made of it. There’s lightning in his eyes, a phenomenon you’ve only heard and never seen. But this must be what it’s like, electrifying and God given. You’re stained now, no doubt about it, visibly and in your spirit.

“They went nuts, like a bunch of rabid dogs.” He grunts. “We had to defend ourselves, had us out here runnin’ around like headless chickens because you were gone.”

You weren’t brought up to know much, except that animals will be animals and man reacts accordingly. Patrick’s words make about as much sense as anything ever could, and you’re desperate to believe whatever yarn they have to spin you. Art nods and saunter up behind you. He wetly pecks you on the cheek, his lips ‘Smack!’ing the plump skin as he pulls back. You gasp and they share a foreboding laugh, shoving you further down a long dusty hallway where you can pretend that nothing bad has ever happened to you. That your Virgil and Dante followed after you with innocent intent.

“Get ‘em in the stirrups, Pat. Need these legs spread nice and wide. Don’t we, sugarpie?”

Your heart drops and floats back up at a jackrabbit’s pace, “W-what?”

Your look over your shoulder is perfectly timed, your hair framing your face like a pre-war Hollywood starlet. The kind that could cry at the drop of a hat and deep throat a stuffy executive’s cock in one go. Simmering heat pools in your belly, every circle of hell seemingly setting themselves aflame in your body. And while you know they wouldn’t dare seriously terrify you, they would probably get a kick in their pants if you let a sliver of fear slip. They’re men who no longer have a societies rules to wear as if they were costumes after all, perfectly chiseled faces and painted masks.

Offering you a marriage license so they plant you in a gilded cage, but Midas ghosted his fingers along your roots years ago. When you stumbled in on two boys playing a game that used to be popular in the pre-war days, a yellow-green fuzzy ball bouncing on a wired net racket. You giggled when an elder scolded them for staging their challengers match in the hall. And with the sound of a bell, the walls came tumblin’ down.

Patrick’s grin writes your name on the dotted line, “Our pretty lil’ cock socket, we’ll repopulate in no time at all.”

They had already stolen your wedding outfit that same day way back when, slim pickings have to be snatched up in this dog eat bitch world. But they were something far above dogs with malleable forms and a blunter bite, they were opportunists and God always has his eye on those who can seize what he provides.

The House always wins.

- 2024, do not cop/translate/feed my work to ai

[cliff-montgomery]

U.S. Workers Owed Over $163 Million In Back Pay

By Cliff Montgomery - Jan. 13th, 2024

Over 208,000 U.S. workers deserve an extra $163.3 million in pay from businesses that violated wage laws, according to the U.S. Department of Labor.

In an apparent response to such crises, the Labor Department’s Wage and Hour Division has created Workers Owed Wages (WOW). It is a website that allows a person to determine if a company for which they have worked is one of the businesses that owes their employees back pay - that is, the difference between what the worker was rightfully owed and the amount they were paid.

If a worker finds that a company for which they worked is listed on WOW, he or she may then use the site to determine if they are one of the workers owed money. The Labor Department has collected this money from the companies, and will pay these workers what they are rightfully owed.

Many times, the companies claim that they wished to pay their workers, but were not able to find the often former employees to whom the money is owed.

Last year, WOW helped workers claim over $26.9 million of their hard-earned cash, which benefitted almost 4,000 workers.

But thousands of others who are owed these wages have not utilized the Labor Dept. website. That’s an issue, as Labor only retains the funds for three years - after that, the unclaimed funds become the property of the U.S. Treasury.

Why can’t the companies just send the wages to the workers who earned them? The simple truth is that many of these workers are at or near the bottom of the wage totem pole. So, as one might expect, “representatives from the Wage and Hour Division [have] said many of the employees who are owed wages come from under-served populations,” according to a recent article on the matter published by USA Today.

The workers include “such [people] as young workers, migrant workers and those earning near minimum wage,” the article added.

And such workers will frequently change matters in their lives like addresses or jobs, making it especially hard to track them down, according to federal sources.

“One of our top priorities is to ensure that the back wages we recover are swiftly paid to the workers who earned them,” recently stated Labor Department wage and hour administrator Jessica Looman to USA Today.

“Yet, a portion of that money remains unclaimed because some of the workers due back wages cannot be located,” she added.

“They may have changed jobs or changed addresses and cannot be notified of the money owed to them,” continued Looman.

Knowing which workers are often underpaid, there perhaps is little surprise that the construction, food service and health care industries are the most common culprits in failing to pay their workers all they have actually earned, according to Labor Department data.

For instance, “a total of 36,534 people employed by the food service industry are owed back wages that have already been paid out by [i.e., collected from] their previous employer,” stated USA Today.

Pennsylvania companies appear to have been the chief culprits in this matter, failing to pay their workers more than $19 million. The wages remain unclaimed, according to USA Today.

Companies in California, Texas, Massachusetts and Virginia have fared almost as poorly, often failing to properly pay workers the full wages they have earned.

In short, companies in these five states failed to properly pay $74 million to the workers who need it most.

And of course, companies in these states are not the only culprits. In Florida alone, more than 10,000 workers are owed over $6.17 million, according to Labor Department data.

There may be more questionable reasons for the failure of these companies to pay their workers what they actually earned.

Lissette Vargas, who serves as the Labor Department’s acting district director of its wage and hour division, informed South Florida’s WTVJ-TV that these companies may well have violated numerous federal laws, from overtime and minimum wage violations, to the Family and Medical Leave Act or laws regulating child labor.

It should be added that “those who believe they may have experienced wage theft [should be informed that] the Labor Department provides resources and information on worker’s rights,” as stated by USA Today.

[pistoleroplains]

A Sunday in Marfa, Texas, est. Ten Years ago

Archer and Texas decided to take a look in Texas’ attic, where they find their grandparents old box of stuff that Texas gathered after their recent passing. What they didn’t expect was a deed to unclaimed land up in Northern Montana.

“What do you think we will find in this box? Any… magazines? You know, the ones with-“ Archer teased, a cocky grin spread across his face as Texas quickly interrupted him.

“Archer… Is that really the only thing on your mind? Really?” Texas laughed, throwing a hand up in the air. “What? No! Just there are a lot of- wait what’s this?”

Digging through the box of what seemed to be all old books with their pages deteriorating due to improper storage, Archer came across something… interesting. It was a simple piece of paper. A paper with lettering that was nearly faded, but still legible in places where they can tell it was a deed to some plot of land.

“Tex- look at this, will ya?” Archer raised the paper up, reading it the best to his ability as Texas strode on over, leaning in to read what the paper had to say. “A deed? In Northern Montana? When did grandma and papa live in Montana?” Texas questioned, scratching his head in confusion.

“No idea, man.” Archer shrugged, not taking his eyes off the paper once as if it was going to vanish right in front of him.

“So, grandma had land in Northern Montana inherited, but she never claimed it?” Archer paused for a moment, trying to study the photo that was attached to it. “The property looks beautiful. Imagine the amount of space we’d have! Gun and Tex can around in bigger pastures!”

Texas was shocked to say the least, but a bit of him was excited. What did this mean for them? “I didn’t know of this. Think it’s still… valid?” He looked up to Archer, “Would we be able to claim it? We should try. Save up money, sell this ranch, move out there. Seems to be cheaper livin’ out there as well.”

Archer hummed in thought, “you’d sell your ranch for this land?” He brought the letter down to his side, turning his full attention to this cousin. “I think we should do this too. In honor of them.”

[idahomag-com]

The Powerball Fever Grips the Nation: A Billion-Dollar Dream

In the realm of lotteries, few moments captivate the nation's imagination like a soaring jackpot, and the current Powerball frenzy is no exception. With the jackpot swelling to an eye-watering $1.4 billion after a suspense-filled Wednesday drawing that yielded no winner, the anticipation leading up to Saturday's drawing has reached unprecedented heights.

Unraveling the Winning Numbers: 10/4/23

The nation held its breath on Wednesday night as the winning numbers were announced: 10/4/23. Despite countless hopeful hearts, the grand prize remained unclaimed, setting the stage for what promises to be a historic Powerball event on Saturday.

The Power of a Billion Dollars: Life-Altering Potential

To put the magnitude of this staggering jackpot into perspective, consider this: if a lucky soul had clinched Wednesday's drawing, they would have been presented with a tantalizing cash option of $551.7 million. This astronomical sum is more than just money; it represents the power to turn dreams into reality, to change lives and reshape destinies.

Navigating the Maze of Powerball Odds

As aspiring millionaires and dreamers flock to purchase their tickets, it's essential to understand the odds stacked against them. The chances of securing the Powerball's top prize stand at an astonishing 1 in 292.2 million, emphasizing the colossal challenge faced by participants. Yet, it is precisely this element of chance that fuels the excitement, as every ticket represents a glimmer of hope and the possibility of a life-altering windfall.

Cracking the Powerball Code: Rules and Rewards

Entering the Powerball arena requires a simple $2 investment, allowing players to select five numbers from one to 69 for the white balls and one number from one to 26 for the red Powerball. Alternatively, the element of fate can be embraced by opting for randomly generated numbers, adding an intriguing twist to the game.

Securing the coveted jackpot demands an exact match of all five white balls and the red Powerball. However, the allure of Powerball extends beyond the grand prize, offering eight additional pathways to victory based on the number of matched balls in various tiers. Non-jackpot prizes range from a modest $4 to a substantial $1 million, with the option to amplify winnings through the "Powerplay" feature, multiplying non-jackpot prizes by 2, 3, 4, 5, or 10 times.

Special Features: Enhancing the Thrill

Powerball's allure deepens with enticing features like the "Powerplay" option, allowing players to magnify their winnings significantly. The 10X Powerplay feature, while exhilarating, is exclusively applicable to jackpots worth $150 million or less. Additionally, the game introduces the "Double Play" feature, giving players an extra chance to match their numbers after each Powerball drawing, all for a nominal fee of $1 per play. These innovative additions heighten the excitement, offering participants even more opportunities to secure a win.

Where Luck Meets Convenience: Ticket Purchase Options

For those eager to participate, acquiring Powerball tickets is a breeze. Tickets are readily available at gas stations, convenience stores, grocery stores, and select airport terminals, ensuring accessibility for all enthusiasts. In the digital age, purchasing tickets has been streamlined through online platforms like Jackpocket, the official digital lottery courier of the USA TODAY Network. This user-friendly app allows players in several U.S. states, including Arizona, Arkansas, Colorado, Idaho, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oregon, Texas, Washington D.C., and West Virginia, to conveniently choose their preferred lottery game and numbers, place their order, view their ticket, and collect their winnings, all from the palm of their hand or the comfort of their home computer.

As the nation collectively holds its breath, Saturday's Powerball drawing promises not just a chance at staggering wealth but an opportunity to turn dreams into reality. With a billion-dollar jackpot up for grabs, the Powerball fever has truly gripped the nation, uniting millions in the pursuit of a billion-dollar dream.

#PowerballJackpot

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#PowerballMagic

[unclaimedmoneyblog]

How to Recover Unclaimed Money Nationwide USA

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📷

Do I Have Unclaimed Money or Unclaimed Property?

SURPLUS FUNDS If your home is sold for more than what you owe on your mortgage and for taxes, you may be entitled to Surplus Funds, which in some cases could total thousands of dollars.As per the law, after a set period of time elapses, the government may be able to permanently acquire your funds. That’s the solemn reason why surplus funds recovery firms like us exist, we ensure money is returned to rightful homeowners.Bankruptcy Unclaimed Funds | Tax Sale Excess Funds | Asset Recovery Service We put in extensive research and determine whether a homeowner is entitled to the “Surplus”. We go through millions of databases to track you down and ensure that you get what is legally yours. Some of the most common reasons for funds becoming unclaimed can be a change of address, the owner is deceased or the assets or account has been left inactive for a certain period of time.We locate homeowners who have lost their home to foreclosure sale & tax sale, research any lien holders who could possibly claim the funds, and determine who the legal claimant is. When the refund has been verified, we locate the legal claimant using internet searches and skip tracing services and contact them offering our services.

[gayhardmens82]

Steve Hooper Peebles

GLAD YOU'RE HERE!

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[blackjackreader634]

Scratch Off Strategy

Ny Scratch Off Strategy

Scratch Off Strategy For Tn Games

Scratch Off Strategy Florida

How To Improve Your Chances Of Winning Scratch-Off Lottery Tickets!

$50 Scratch Tickets. Ticket Price: $50 Start: 1/18/2021. Ticket Price: $50 Start: 10/5/2020. Ticket Price: $50 Start: 8/17/2020. Texas Lottery » Games » Scratch Tickets » Scratch Tickets Home Page Games. Powerball® Mega Millions®. Florida Scratch Off Plays; How to Win the Florida Lottery; Florida Lottery Strategies. Pick Hot Numbers. Avoid Cold Numbers. Wheel Your Number Selection. Join or Create a Syndicate. Stack Your Stake Money; Richard Lustig 7 Time Winner Reveals Secret. Buy 10 in a row. My theory – if you are going to play these scratch-off games, you need to buy 10 in a row in order to increase your chances of winning. Remember, repeated losing tickets are a sign that you are going to come across that winner. STICK TO ONE SCRATCH-OFF GAME. DO NOT JUMP AROUND FROM SCRATCH-OFF TO SCRATCH-OFF. Scratch-Offs New scratch-offs come out every First Tuesday.

Disclaimer:

All of the information inside this report reflects my own personal opinion and my own personal experiences. I am in NO way guaranteeing any winnings, results, etc. and am not responsible for any losses that may occur as a result of you using this information and/or gambling irresponsibly. By reading on you agree to these terms.

Introduction to Winning Scratch Offs:

I am sure most of you have played scratch off lottery tickets before, sometimes they are called 'scratchers.'

They are lottery tickets that you scratch with a coin to reveal a prize (or not).

With scratch-off lottery tickets, you win cash instantly! In most states, you can cash any prize up to $500-$600 at any location that sells lottery tickets.

I have won scratch off games MANY times and over the years have developed quite a few tips that have helped me increase my winnings and have some very nice winnings as well, such as $500 winners occasionally and $50 - $100 winners all the time!

You can almost call my collection of tips a 'system' but it doesn't really beat the game or cheat in any way whatsoever. It just improves your odds of winning by a significant amount!

My strategy is this. It is VERY unlikely that you will win the TOP prize, because usually there are only about 8 or 10 available out of hundreds of millions of tickets that get printed.

With that said, when I play scratchers I am not aiming for the top prize (i.e $250,000 on a $5ticket). Of course winning the top prize would be great don't get me wrong ... but it's unlikely.

Ok, let's get started with tip #1...

Play New Games!

The first tip and one of the most important ones that I will discuss, is the concept of playing 'new' games.

A 'new game' is a scratch off lottery game that is brand new and just came out recently. Most states and countries come out with new scratch off games monthly or a least quarterly. These are the ones you want to play, and this is CRUCIAL. Why? Because some scratch off games have been around for several months or even over a year ... Which means that many of the prizes have already been won and claimed for those games. Not only the TOP prizes (which can be pretty substantial amounts of money sometimes) but even the smaller prizes such as the $2 - $500 prizes can be mostly gone if a game is old.

It's not rocket science, but it makes perfect sense and you might not have thought about it before. The more all fresh and new the game... the more fully loaded with prizes it must be.

The new games are chock full of prizes! They have all the $10, $20, $25, $50, $100, $200, $250, $500, $1,000, $2,000 and $5,000 prizes unclaimed and you are much more likely to win one of these prizes on a newer game.

You can check the lotteries' website or ask the cashier which games just came out recently and other times you can tell which ones they are because they correspond to a certain holiday or month. Most state lottery web sites will tell you how many prizes a game has left, this way you can go to the store with useful knowledge on which games are worth playing and which to avoid.

Remember, we're not shooting for the TOP prizes ... But the $50's, $100's and $500 prizes are always great!

Lucky Numbers & The Best Performing ticket numbers 0, 6, 7, 8, 11, 12, 17, 18, second to last, last. I have won countless times on tickets with the above numbers.

What do I mean by numbers?

Every scratch off game session is a roll of tickets. Normally the whole roll adds up to $300 or $600 in the dollar or two range, much more now that we have $20 and $25 and soon higher.

That means in a roll of $2 scratch off tickets, there are 150 tickets -- which adds up to $300. If they're $5 scratchers, then there would only be 60 tickets in that roll.Each ticket has a number on the bottom of it. The first ticket in the roll will be numbered '000'. This may vary from state to state and is not a hard number, so ask if thinking about buying a roll.

The next ticket will be 001, then 002 and so on. So in a roll with 150 tickets, the first ticket is number 000 and the last ticket is number 149. (Because the first number is 000, NOT 001). I have found that certain ticket numbers perform VERY well consistently, over and over again ... even in different geographical locations.

NOTE: YOU CAN ASK THE CASHIER WHAT THE TICKET NUMBER IS BEFORE YOU BUY IT, THEY DON'T HAVE TO TELL YOU, BUT IT IS NOT AGAINST ANY RULES.

If the cashier won't tell you, have a talk with the store's manager to straighten things out. If the store isn't friendly and cooperative buy your tickets somewhere else.

Although they might think you are a little strange! And, if you're going to ask the number of every scratch off ticket they have ... make sure no one is behind you in line!

Understand, they will not should not sell you out of sequence tickets from the roll, if you find my theory successful you must buy the surrounding tickets as necessary around the ones I recommend to get them.

My favorite time is when I walk in and there are only a couple of tickets left, and I ask if they have more of that roll and they say yes and I buy those last tickets and 18 off the top of the new roll.

In my years of playing (and winning a large part of the time!) I have had much success with the following ticket 'numbers': 000 (The first ticket of the roll) 006 007 008 011 012 017 018 And then the second to last and last tickets, which the number will vary.

I like to play $5 scratch-offs the best. There are usually 50 tickets in the roll, with number 049 being the last ticket.

In this case, 048 would be the second to last ticket. I've had great luck with that number, as well as 049 (the last ticket of the roll).

'Winners In A Row'

What do I mean by 'winners in a row' ?

It's pretty simple. I have noticed a pattern. Sometimes when there are more than 2 winners in a row ... There will be a run of winners that sometimes lasts for 5-10 tickets!

I know that the lottery is supposed to be completely random and it is and random often includes clusters. However, These patterns over YEARS of time cannot be merely coincidence. So, please don't go out and squander your life savings thinking that this is going to be the answer. But, I bet it will increase the times you win when you play scratchers!

Let's say you're playing a $2 scratch off game and you win a free ticket so you get the next one. It's another free ticket (or a $2 or $4 prize). Then you get the next one (or two) and you win on one of those or both. Now you know you've hit a run. So far you've played 4-5 tickets but you only paid for one, $2. You can probably afford another $10 to spare if you hit one of these situations. In many of these cases, I have continued to play and after a few tickets there was a $25, $50 or even a $100 winner. MANY times.

Winner After Winning Same Prize As Price Of Ticket

Ok that might sound confusing, but it's really easy to grasp, trust me.

I find that if you win a cash prize that is equal to the same prize of the ticket (i.e winning a $10 prize on a $10 scratch off ticket) -- you will often have a prize right after it.

So basically you've already broken even, and now you're re-risking (reinvesting) your money back into the very next ticket.

I did this the other day on a $10 scratch off ticket. I won $10, cashed it in and played the next one and won $250!

Of course it's not guaranteed to work, but it has worked for me a lot of times in the past, with all different priced scratchers from $2 - $20 tickets.

'Work' A Roll - 'Break The Game'

I usually buy my lottery tickets at the same convenient store near my house.

Whenever I spot a new game, I'll give it a shot... especially if it's on the first ticket or early on in the roll.

I'll scratch one there and maybe buy the next one if I didn't win and I'll bring it home. (ALWAYS PLAY RESPONSIBLY and DON'T SPEND MORE THAN YOU CAN AFFORD!)

If I lose that one as well, or win a free ticket which is common... I will wait until the next day and play the same game.

One time I played one single game over the course of a week. Finally ... I won a $500 winner on that same roll!

Could you imagine if someone else bought that ticket before me?!

Of course there's luck involved but you do IMPROVE YOUR ODDS OF WINNING when you do things like this. ; - )

Buy A Roll

If you are in the financial position... You can also buy an entire, unopened roll for $300 and scratch off EVERY ticket in the roll!

Of course, as I mentioned before, it is unlikely that you will win the TOP prize ($10,000+) although you theoretically can.

However, what if you won $5,000 or $1,000? Even $500 would be cool!

Or you could just break even or come out a few bucks ahead, but either way it's all in good fun!

The point is... Buying a whole roll DEFINITELY improves your chances of winning a decent prize!

If you're not in the financial position to do so ... You can always go in on a roll with a friend or a group of friends ...

'Ask The Cashier'

When you go into a store to buy a scratch off lottery ticket, don't be afraid to converse with the cashier or lottery counter person and ask questions before you choose the ticket that you want to purchase.

I have asked cashiers what number the ticket is on every time I've ever bought a scratch off ticket. I just explain to them that it is a luck thing!

I have also asked if anyone has claimed any big prizes on the game I'm about to purchase. If they say, 'Oh some guy just won $50 on that game a few hours ago' I will stay away from it.

There's usually a nice winner in every roll -- At least a $25 winner, but almost ALWAYS a $50 and even a $100 winner. And every few rolls, there will be a $500 winner in there. These prizes are NOT uncommon! It's only the bigger prizes that are rarer like the $1,000 and up ones.

What NOT To Do!

Do NOT play irresponsibly and spend money that you don't have or cannot afford to spend

Do NOT continue to play a roll after you've won a prize like $50 or $100 from that roll

Do NOT play old games

Do NOT think that you are going to win every time you set out to play

Do NOT buy tickets out of a machine, if you must, buy in groups of $10 one $10 or two $5 or five $2 or ten $1

Do NOT take this information as a guarantee of any kind

Do NOT reveal your secrets to anyyone in your town or you will soon find them in your line!

Know when to stop - Play responsibly!

Conclusion

If you implement all of these tips into your scratch off lottery playing, I am sure that you will experience an increase in winnings.

Based on my experiences alone, I have no doubt that these occurrences are more than just coincidence -- Especially considering how often they happen (for me).

Remember to play the NEW games, meaning the ones that just came out recently. These are chock full of prizes!

Gambling and gambling addiction can be serious problems and I do not wish to condone out of control gambling or bad habits in any way.

My intention is to simply share my tips with fellow lottery enthusiasts who will most likely be playing anyway, with my tips or not!

'You can't win the lottery, if you don't buy a ticket!' - You can apply this quote to so many aspects of your life. Sometimes, if you don't 'take action' -- Nothing will happen!

Here's to your scratch off success,

Thanks for visiting Lotto-Logix!

Florida Lottery Scratch-Off game top prizes are limited. Click the game name for information about other valuable cash prizes available to be won in these Scratch-Off games.

Game NumberGame NameTop PrizeTop Prizes RemainingTicket CostTop Prize Winners & Retailer Information5019 $500,000.000 of 6 $5.00Winner Report5018 $30,000.005 of 12 $2.00Winner Report5017 $30,000.002 of 8 $2.00Winner Report5016 $30,000.002 of 16 $2.00Winner Report5015 $30,000.002 of 20 $2.00Winner Report5014 $30,000.005 of 16 $2.00Winner Report1485 $15,000,000.003 of 4 $30.00Winner Report1485 $1,000,000.0024 of 24 $30.00Winner Report1484 $500,000.0015 of 16 $5.00Winner Report1483 $50,000.0010 of 10 $2.00Winner Report1482 $5,000.0048 of 52 $1.00Winner Report1481 $2,000,000.005 of 8*$10.00Winner Report1480 $1,000,000.0020 of 24*$5.00Winner Report1479 $100,000.0032 of 36*$2.00Winner Report1478 $10,000.0088 of 100 $1.00Winner Report1477 $2,000,000.006 of 8*$10.00Winner Report1476 $30,000.0014 of 16*$2.00Winner Report1475 $30,000.004 of 12 $2.00Winner Report1474 $500.001,116 of 19,951 $10.00Winner Report1473 $1,000,000.002 of 4 $5.00Winner Report1472 $50,000.004 of 8 $2.00Winner Report1471 $10,000.0016 of 36 $1.00Winner Report1470 $5,000,000.005 of 10*$20.00Winner Report1470 $1,000,000.009 of 20*$20.00Winner Report1469 $2,000,000.005 of 10*$10.00Winner Report1468 $1,000,000.005 of 10 $5.00Winner Report1467 $100,000.0012 of 20 $2.00Winner Report1466 $10,000.0046 of 80 $1.00Winner Report1464 $150,000.007 of 15 $3.00Winner Report1463 $10,000.0010 of 20 $1.00Winner Report1462 $2,000,000.002 of 4 $10.00Winner Report1461 $1,000,000.002 of 8 $5.00Winner Report1460 $100,000.004 of 10 $2.00Winner Report1459 $10,000.0019 of 50 $1.00Winner Report1458 $500,000.007 of 14 $5.00Winner Report1457 $5,000,000.006 of 8 $20.00Winner Report1457 $1,000,000.0018 of 24 $20.00Winner Report1455 $10,000.004 of 34 $1.00Winner Report1450 $1,000,000.0070 of 155 $30.00Winner Report1448 $50,000.001 of 12 $2.00Winner Report1447 $10,000.009 of 40 $1.00Winner Report1446 $2,000,000.001 of 8 $10.00Winner Report1445 $1,000,000.001 of 12 $5.00Winner Report1444 $100,000.003 of 20 $2.00Winner Report1443 $10,000.0020 of 100 $1.00Winner Report1441 $30,000.004 of 15 $2.00Winner Report1440 $30,000.001 of 16 $2.00Winner Report1439 $3,000.008 of 75 $1.00Winner Report1434 $5,000,000.004 of 12*$20.00Winner Report1434 $1,000,000.0018 of 40*$20.00Winner Report1431 $5,000.0022 of 75 $1.00Winner Report1428 $3,000.0010 of 75 $1.00Winner Report1427 $2,000,000.001 of 10 $10.00Winner Report1421 $150,000.001 of 8*$3.00Winner Report1419 $1,000.00170 of 420 $1.00Winner Report1418 $500.00445 of 56,303*$10.00Winner Report1416 $3,000.0027 of 84 $1.00Winner Report1413 $30,000.001 of 10 $2.00Winner Report1412 $1,000.00127 of 420 $1.00Winner Report1409 $50,000.002 of 72 $2.00Winner Report1408 $10,000.005 of 100 $1.00Winner Report1407 $5,000,000.003 of 9*$20.00Winner Report1407 $1,000,000.0015 of 45*$20.00Winner Report1404 $5,000.0020 of 84 $1.00Winner Report1403 $30,000.004 of 30*$2.00Winner Report1398 $5,000,000.001 of 6 $20.00Winner Report1398 $1,000,000.001 of 20 $20.00Winner Report1396 $20,000.002 of 30 $2.00Winner Report1391 $2,000,000.001 of 8 $10.00Winner Report1389 $50,000.001 of 20 $2.00Winner Report1388 $10,000.0043 of 136 $1.00Winner Report1382 $1,000,000.001 of 6 $5.00Winner Report1377 $30,000.001 of 30 $2.00Winner Report1372 $10,000.007 of 100 $1.00Winner Report1371 $50,000.002 of 40 $3.00Winner Report1364 $250,000.003 of 16 $5.00Winner Report1361 $20,000.005 of 30 $2.00Winner Report1357 $30,000.002 of 10 $2.00Winner Report1349 $250,000.002 of 16 $5.00Winner Report1341 $250,000.003 of 16 $5.00Winner Report1338 $250,000.001 of 16 $5.00Winner Report1331 $250,000.001 of 12 $5.00Winner Report1302 $250,000.004 of 20*$5.00Winner Report1298 $500,000.004 of 24*$5.00Winner Report1297 $50,000.0011 of 40*$2.00Winner Report1259 $50,000.005 of 80*$2.00Winner Report

Ny Scratch Off Strategy

*Denotes games that have been reordered or have been delivered to the Florida Lottery in more than one shipment.

Scratch Off Strategy For Tn Games

Note: Games may be reordered, and top prizes may increase proportionally.

Scratch Off Strategy Florida

Prizes, including the top prizes, may be unavailable at time of ticket purchase due to prior sale or other causes occurring in the normal course of business.

[ericvick]

SECURE Act 2.0 retirement bill clears committee and moves closer to passage

Chairman, Rep. Richard Neal, (D-MA) and Rep. Kevin Brady, (R-TX) in 2019. (REUTERS/Mary F. Calvert)

In 2019, Congress passed and then-President Trump signed the SECURE Act, which instituted a range of changes to the country’s retirement system. It included provisions to help get more part-time workers to save and improved access to annuities.

That bill represented the first major retirement legislation since 2006. Now lawmakers are looking to move much quicker in following up with a retirement bill informally being called SECURE Act 2.0 making its way through Congress.

The bill, officially called the Securing a Strong Retirement Act of 2021, cleared the House Ways and Means committee in a hearing Wednesday and is now before the full House of Representatives. Proponents are hoping for a full House vote in the coming weeks.

The bill is “building on the success of the SECURE act,” said Rep. Richard Neal (D., Mass.), chairman of the House Ways and Means at a hearing on Wednesday. He said that the provisions will “make it easier for the American family to prepare for a financially secure retirement.”

The legislation is sponsored by both Neal and the Republican ranking member, Rep. Kevin Brady (R., Tex.), and has support from different groups like the AARP, many of whom wrote letter to the committee offering supportive words. Ahead of Wednesday’s hearing, David Abbey, deputy general counsel at the Investment Company Institute, said the bill “will help American workers better plan and invest for their retirement.”

[Read more: States with the lowest and highest average retirement savings]

The bill is expected to have bipartisan support in the Senate as well. Secure Act 2.0 would need to be considered in the upper chamber before heading to President Biden for his signature later this year.

Here are a few ways the legislation will change the way Americans save for retirement.

Required minimum disbursements

A key provision raises the age people must start taking mandatory distributions in private retirement plans (401(k) plans and IRAs). The SECURE Act increased the required minimum distribution age to 72, from 70. The new bill lifts it to 75.

Story continues

Proponents note it will give retirees – who are living longer than previous generations – more flexibility as they manage a longer retirement.

The legislation also exempts retirees from minimum distributions for the rest of their life if they have less than $100,000 in all of their retirement plans at age 75. (As it stands now, when you reach age 72, you’re required to withdraw a certain amount of money from your retirement accounts each year and pay taxes on that amount.)

Chairman Richard Neal, D-Mass., left, and ranking member Rep. Kevin Brady, R-Texas, arrive for a House Ways and Means Committee markup in Longworth Building on COVID-19 relief measures on February 10, 2021. (Photo By Tom Williams/CQ-Roll Call, Inc via Getty Images)

The coronavirus stimulus bill passed last March allowed retirees to skip their minimum distributions that year if they desired.

Some lawmakers want to take it even further: “My goal is to get rid of it completely,” Brady said of the age restriction in a recent appearance at the Bipartisan Policy Center Solutions Summit streamed on Yahoo Finance.

Automatic enrollment

Another significant measure would push employers to automatically enroll new employees in the company’s retirement plan, if one is offered. Employees could opt out, but the default would be enrollment.

“It’s an embarrassment that we don’t have that yet,” Christian Weller, a professor at the University of Massachusetts, told Yahoo Finance recently about automatic enrollment. (Studies have shown that employers with auto-enrollment retirement plans have higher rates of participation.)

At Wednesday’s hearing, Neal touted the provision, saying it would help move toward his goal of “enrollment for all.” Brady added that the bill will help workers save earlier and he also touted provisions that would allow employers to help their workers pay back student loans while also saving for retirement.

The idea is to allow individuals to pay down student debt instead of contributing to a 401(k) plan, but at the same time get an employer match in their retirement plan.

One-third of private sector workers currently don’t have access to a retirement plan at work, so the change would not necessarily impact them and further exceptions could blunt the impact on current retirement plans that are grandfathered in or certain businesses that can receive exemptions from the new requirement.

Some advocates argue that Washington should go further and consider creating some sort of national retirement option for workers who don’t have access to a plan through their jobs. State-level IRA plans have been gaining traction around the country but the coverage only applies so far to the few states that have opted to set up such programs.

Other provisions

Other provisions in the bill include changes to the SAVERS credit, which lets certain lower-income workers get additional tax breaks when they save for retirement. This change would simplify the program and index the credit to inflation.

401k Pension Plan On Blackboard Behind Stacked Coins

The bill also provides a “clearinghouse” for employees to find lost retirement accounts through a national database. Recent studies have found that tens of thousands of retirement plans go unclaimed when workers move from company to company and lose track. The bill would also help workers who move from state to state who participated in different state-level plans.

There are also provisions in the bill to help workers older than 50 to catch up on contributions. The provisions would increase the catch-up amounts and also index the allowed amounts to inflation.

Like the SECURE Act, Secure 2.0 moderates changes to the private retirement system but doesn’t address the more challenging issue of Social Security, which could run low on funds as early as 2031.

Another contentious retirement issue is multi-employer pensions. The American Rescue Plan passed earlier this year included $86 billion to help shore up some of those troubled retirement plans.

Ben Werschkul is a writer and producer for Yahoo Finance in Washington, DC.

Congress looking to change or even abolish this key 401(k) provision

Covid relief package includes $86 billion to help troubled retirement plans

‘They just want a forced savings account’: New survey finds workers want more emergency saving options

Read the latest financial and business news from Yahoo Finance

Follow Yahoo Finance on Twitter, Facebook, Instagram, Flipboard, LinkedIn, YouTube, and reddit.

[racewindham]

최상위파워볼 PAYMENT OPTIONS AND JACKPOT ACCUMULATION

A LOOK 최상위파워볼 AT PAYMENT OPTIONS AND JACKPOT ACCUMULATION

Let us now spend some time having a look at the ways by which players receive their winning amount. As far as cash is concerned, they receive the prize in two installments. The first one is from the winning authority and then funds that are combined from other members are also a part of the cash winning. As mentioned a few times above, graduated 30 yearly 최상위파워볼 게임 installments is also another option. Each of these annuity payments is roughly around 5% more than the previous years’ winning amount and this speaks volumes about the professional approach of Powerball. The 5% increase is obviously to off-set the average inflation that keeps happening every year.

The jackpot amount is clearly explained to the players should they decide to go in for this option instead of the annuity payout option. This is a reasonably accurate estimate though it may not be accurate to the last dollar. This is because the estimate is based on various factors. For example, it takes into account the amount that has been accumulated into the jackpot pool from its prior drawings 최상위 파워볼 사이트. It also takes into account other factors such as expected sales that are expected during the next drawing. The interest rates of market securities are also taken into account because these are used for the purpose of funding the annuity.

According to some studies the payouts for jackpots is roughly around 32.5% of the overall non-power play revenue collections are concerned. This is based on a revenue base of around $1 per play. The amount so collected is added to the prize pool and it is used to fund the total needs of the jackpots. In case the jackpot is not won in a particular draw, obviously the prize pool is added to the next drawing. It goes on accumulating till a jackpot winner is announced.

On the other hand when we talk about the prize pool, we are actually referring to the cash that has to be paid to a jackpot winner in case they wish to go for the cash option instead of the annuity option. However, in case the winner decides to opt for the annuity choice, the market rates that are prevalent on the date of the win are used. Calculations are based on these rates 최상위파워볼 사이트 가입 based on which the first installment is paid. The remaining payout to be made through the annuity mode are invested in market securities so that the earnings and the principles invested could ensure that the commitments made to winning players are met without any problem during the entire length of the annuity. In case there are multiple winners of a particular jackpot, then the prize pool money is divided equally for all such plays.

There is no doubt that POWERBALL is governed by MUSL and it would also be worthwhile to point out here that MUSL members are bound to accept the various investment risks associated with this. Further, along with Powerball they are also obligated as a part of the contract and are liable to pay the winner all the payments as scheduled in the annuity payment agreements are concerned.

In case the jackpot ticket remains unclaimed due to any reason, the funds that remain to that account are refunded to the members. This is done in proportion to the amount invested by them by purchasing tickets. There are clearly defined rules when it comes to regulating and giving back unclaimed funds are concerned.

Once the much-awaited Powerball jackpot is won in a particular draw, Powerball automatically announces the next jackpot and the guaranteed amount as mentioned earlier if $40 million on an annuity basis. In case the jackpot is not won, the rollover amount is $10 million. When it comes to cash payment out of the jackpot pool, it is calculated on the current value of the annuity. Due to any reason, if the revenue from the ticket sales fall below expectation, the game members are obligated to contribute additional funds so that the jackpot pool amount commitment is met. This does not generally happen, but such a scenario also cannot be completely ruled out. This may happen if the jackpot is 최상위파워볼 사이트 백조 won with the help of consecutive drawings. Such a situation may not have been thought about even a year and a half back. But the covid-19 pandemic has made such a situation possible. This is because even big and reliable names like POWERBALL have seen a dip in the sales of tickets. Further, a dip in the interest rates as far as the annuity prizes are concerned also led to this situation. Even under normal situations, if there are two consecutive jackpot winners over two drawings, one after another, then also the revenues generated may fall short when compared to the overall commitments of paying off the winning amounts for the jackpots.

엔트리 최상위파워볼 HOW TO CLAIM PRIZES

Let us now spend some time having a look at the way in which prizes are to be claimed for those lucky winners of Powerball. The first and foremost rule is that the winning ticket must be claimed only in the area or jurisdiction from where it was purchased. The residence of the winner may be somewhere else, but he or she must collect and claim the prizes only from the designated area as mentioned in the ticket when they purchase it. Powerball is very clear and transparent about this and there cannot be any reason for confusion or misunderstanding or miscommunication on this aspect.

Powerball Multi-Draw

MINIMUM AGE

The minimum age for playing Powerball is 18 but there are some exceptions to this rule. The rule is not from Powerball but from the various state governments where Powerball is present. For example, in Louisiana, Mississippi and Iowa, and Arizona the minimum age is 21. It is 19 years in Nebraska and therefore before playing your favorite Powerball game, please make sure that you are aware of this requirement. In fact, if you plan online, you will be asked your age and only then you will be able to move forward. The minimum agent is dependent on the states in which Powerball operates.

WHICH TO CHOOSE CASH OR ANNUITY?

This is a common question that comes to the mind of many people who would like to try out Powerball. Put in simple words, Powerball players need not choose annuity or cash unless they have won a jackpot. In case the players have won a jackpot, they have sixty days to choose between cash or annuity. However, this is not a rule that is applicable across the board for 최상위파워볼 사이트 주소 all states. There are some exceptions to the rule like Missouri and Florida. Here the 60 day clocks ticking from the date of the drawing. Hence, a jackpot winner must keep this in mind while making his or her desire clear to the Powerball authorities so that they are not found wanting as far as adherence to the rules and regulations are concerned.

There are some different rules as far as Texas and New Jersey are concerned. These two states require that the players decide between annuity and cash before they start playing. Some states like New Jersey and a few more like Texas allow the players to change from cash to annuity or annuity to cash after playing but before the draw.

Whether it is a jackpot or other types of prizes, the winners must claim their right to it within 90 days after the results of the draw are shared across the board. Non-adherence to this important rule is a problem that has to be handled by the players and the decision of Powerball and the local authorities is final in this aspect.

[wisepowderposts]

Person holding winning Colorado Lottery ticket from September

The Colorado Lottery issued noticed Thursday that someone is holding an unclaimed $25,000-a-year-for-life winning ticket, and it’s hoping whomever holds the ticket claims the prize before March 6.Get more news about 牛博包网公司,you can vist nb68.com The ticket’s cash value is $390,000. It was sold Sept. 9 at a King Soopers located at 750 Ridge Road in Castle Rock, according to a Colorado Lottery news release. If the prize is not claimed before the close of business on March 6, the money will be returned to the game’s jackpot pool. In Lucky for Life, palyers choose five numbers between one and 48 and pick a Lucky Ball number between one and 18. Winners can choose between a cash option or an annual payment option for 20 years. The last winning Lucky for Life numbers hit on Monday, the lottery said.People living in Seguin are checking their lottery tickets after one ticket matched all six numbers in Wednesday's drawing. The winning ticket is worth $47 million! It's the largest Lotto Texas jackpot in more than ten years.

[maximuswolf]

Math and data to maximize scratchoff wins. via /r/Lottery

Math and data to maximize scratchoff wins.

(Edited repost: the original post required a couple of small changes.)

I've been crunching a lot of numbers, sending a lot of FOIA requests, and searching for advantages.

I want to share a little bit of what I've learned so far.

Overview

These are a couple of the rules I've determined will help you win more often.

Play tickets that have sold many tickets and have many unclaimed grand prizes.

Prefer playing a few higher priced tickets over many lower priced tickets.

That's all there is to it. I'll explain the reason behind the rules in the rest of this post.

Play tickets that have been sold for a long time and have a large number of unclaimed grand prizes.

To understand this rule, you need to know a little bit of math. It's not much. It can be explained in simple terms. But it's powerful enough to beat blackjack in the casino. What you're about to read is the foundation behind card-counting. But here, we use it to beat scratch offs.

There is an important difference between scratch offs and draw games like Powerball.

In draw games, every draw is "independent". What I mean by that is the results of a previous draw have no effect on the results of the following draws.

If the draw for a pick 3 game is "3", "1", "9", then the odds that the following draw is also "3", "1", "9" are the exact same.

This is counter-intuitive to a lot of people. If you flip a coin 3 times and it comes up heads all 3 times, then it's natural to think that it's more likely to come up tails on the next flip. But it's not! It is still equally likely to be either heads or tails on the 4th flip.

The counter-intuitiveness of this is known as the "Gambler's Fallacy" and can be read about many places online, https://en.wikipedia.org/wiki/Gambler%27s_fallacy, so I won't go into any more detail. Just know that it's a mathematical fact. The previous results of a draw game have no effect on future draws.

How are scratch offs different?

But with scratch offs, previous results do affect the future. It's obvious when you look at an extreme example. Consider what happens if there is a single grand prize in 1 million unscratched tickets. Your odds of getting the grand prize is 1 in a million. But now imagine you just watched the person in line in front of you buy a ticket, scratch it, and reveal the grand prize. Now there are no more grand prizes. Your odds are exactly 0!

In that extreme example, it's clear that past results affect future odds.

This is completely different from a draw game. In a draw game, if someone hits the Powerball jackpot with 09, 36, 49, 56, 62, 08, then that doesn't mean you should or shouldn't play those exact same numbers next week. They are just as likely to appear again as any other set of numbers.

But scratch offs aren't randomized with each purchase. Scratch offs are randomized once, when the tickets are printed. Then, as the tickets are bought and scratched, the remaining tickets become less random.

This is just like counting cards at blackjack. The deck is shuffled once at the beginning of the game. Then, as cards are dealt, the deck becomes less random. Once it becomes less random in favor of the player (more big cards remaining than little cards), then the player has an advantage and can increase their bet.

How do you know which tickets have have many unclaimed grand prizes and few remaining overall tickets?

Most states publish this information on their lottery homepages.

Here is an example from the Florida Lottery for the $3 Multiplier Crossword https://www.flalottery.com/scratch-offsGameDetails?gameNumber=1429

​

https://preview.redd.it/9p5sp880x9p51.png?width=481&format=png&auto=webp&s=3d5dc49e773243274dca0952502b06f51f0d54c1

That table has a column showing the total number of tickets printed at each prize tier and another table showing the number of tickets claimed at each prize tier.

The lowest-value ticket is usually the most common. It often has hundreds of thousands of tickets printed. There is something in math known as "the law of large numbers" that makes the lowest price ticket a good indicator of what percentage of tickets have been sold. Even though the state doesn't publish how many tickets in total have been sold, and even though they don't say anything at all about the non-winning tickets that have been sold, we can use the lowest-priced ticket as a good estimator.

In the image above, you can see that 3,170,852 tickets were printed that were $3 winners. Of those, only 603,652 remain.

With some simple math, we can convert that to a percentage.

603,652 / 3,170,852 = 0.19

So about 19% of the tickets remain. 81% of the tickets have been sold.

How about the grand prizes? Are there a large number of grand prizes remaining in relation to how many tickets have been sold? To know that, we need to convert the number of grand prizes remaining to a percentage also, that we we can compare percentages to percentages, apples to apples.

There are 4 grand prizes remaining out of 20 total grand prizes printed.

4 / 20 = 0.20

So 20% of the grand prizes remain. That's almost exactly where we expect to be. That means there is not a lot of grand prizes remaining in relation to the total number of tickets remaining.

If there were 5 grand prizes remaining, then the percentage remaining would be 5 / 20 = 0.25, or 25%. Then there would be 5% more grand prizes than expected. If that were the case, this might be a good game to play!

Knowing this, you can check back daily or weekly and see how the numbers change. Every day, more tickets will be sold.

Let's say a few weeks pass and couple hundred thousand $3 winners are claimed. Now there's 400,000 $3 prizes remaining.

400,000 / 3,170,852 = 0.126

If no grand prizes have been claimed in that time, then now there's only about 12.6% tickets remaining but still 20% grand prizes remaining. Grand prizes are almost 8% more likely than average!

Check your state lottery website and you can perform these calculations for whatever games you like to play.

Prefer playing a few higher priced tickets over many lower priced tickets.

I wrote software to automatically analyze every scratch off game from many different states.

As part of that analysis, I calculate the total amount of prizes that will be paid out. Since the states publish on their websites the total number of tickets at each prize tier and the value of each prize. I simply multiply the number of tickets at each tier by that tier's value and then sum the results for each tier of a game.

Another number I calculate is the cost to buy every ticket. That's a lot easier. It's simply the total number of tickets printed times the price of each ticket. If a game prints 14 million tickets and each ticket costs $10, then the cost to buy every ticket is 14 million times $10, or $140 million.

Those two numbers are all we need to calculate the "expected value" of a game.

If a game has $100 million in prizes and it would cost $140 million to buy every ticket, that means the state will make $40 million in profit. That profit comes out of our pockets.

But we can minimize our losses by playing games where the state has the least profit.

Here's a simple example. Which game would you rather play?

Game A: $100 million in prizes where it would cost $140 million to buy every ticket. Game B: $120 million in prizes where it would cost $140 million to buy every ticket.

Obviously, game B is better. The state takes less profit. That means more money in our pockets.

This is one way to rank the quality of a game. The more money that is returned to players and the less money that the state keeps as profit, the better the game.

By analyzing data from every game for multiple states, I have determined the average quality for different priced tickets.

This graph below tells the whole story.

​

https://preview.redd.it/u6hm1t7gx9p51.png?width=1645&format=png&auto=webp&s=5cd0e3afc3ef411ec7d62c23dacd14ef74291b7b

It is clear that on average, higher priced tickets are better.

Spending $100 on $20 tickets will result in an average win of $71.95 while spending $100 on $2 tickets will result in an average win of $65.65. By buying $20 tickets rather than $2 tickets, you will win an average of $6.30 more!

Why do states pay out more for higher priced tickets?

This advantage comes from economics.

It costs roughly the same amount for the state to print a $1 ticket as a $20 ticket.

Here's a table that shows the prices that GTECH, a ticket printer, proposed to the Texas Lottery.

​

https://preview.redd.it/gqpn85whx9p51.png?width=1295&format=png&auto=webp&s=c21158fa868caa4da444a5ec8404f9a8a822d3be

Usually, lower priced tickets are smaller. A $1 ticket might be 2.4 inches x 4 inches while a $20 ticket has more gameplay options and might be 10 inches x 4 inches. Those dimensions correspond to the "A" and "E" columns in the table above.

The values you see in each row are the cost per 1,000 tickets.

Let's compare.

The cost of 1 million $1 tickets of 2.4 inches x 4 inches in packs of 250 would cost $33.78 per 1,000 tickets, or about $0.034 per ticket.

The cost of 1 million $20 tickets of 10 inches x 4 inches in packs of 50 would cost $59.50 per 1,000 tickets, or about $0.06 per ticket.

That's 3.4 cents per $1 ticket and 6 cents per $20 ticket.

Why are higher priced tickets better?

The state needs to make a profit on the lottery. That's the whole point of the lottery: to make money to pay for services like education and roads.

Money that goes towards ticket printing is wasted. It's money that is taken from the players and is not kept by the state.

The less money that goes towards ticket printing, the more money is available to pay out in prizes (and to go towards public goods).

While the $20 ticket may cost more to print than the $1 ticket (6 cents vs 3.4 cents), the percentage of the ticket price that goes towards printing costs is lower.

6 cents is only 0.3% of $20. That's zero-point-three percent. Less than half of a percent of the ticket price goes towards the printing costs.

3.4 cents out of $1 is 3.4%, or over 3% of the ticket price going towards printing costs.

If you were to buy $100 worth of $1 tickets, the state would have paid $3.4 to ticket printers, leaving only $96.60 in funds to split between paying players through the prize pool and funding things like public roads and education. But if you were to buy $100 worth of $20 tickets, then the state would have paid only $0.18 to ticket printers! That leaves $99.82 to split between the prizes and state funding.

Note: The above is a simplified calculation that doesn't take the full cost of each ticket from printing to disposal. There's obviously costs associated with shipping and other services. But I wouldn't expect the percentages to change much. The economics of high-price vs low-price tickets is still the same.

Good luck!

I want to close by wishing you good luck. But now you know there's more to it than just luck. Use these tips and tricks to your advantage and make your own luck.

A final word of caution: even if you follow all of my tips, it's still practically impossible to consistently make profit from scratch offs. The best that almost anyone can do is to increase their "expected value". That's a good thing. It's huge. It's great if you're playing for fun and would be buying tickets regardless of the circumstances. But that's not good enought to play more often than you otherwise would. So, please, if you or anyone you know needs support around gambling, please reach out to places like https://www.gamblingtherapy.org/en

Remember:

If you can't afford to lose, you can't afford to play.

Submitted September 25, 2020 at 04:58AM by Dr-Lotto via reddit https://ift.tt/341rPPk

[tauruslawyers33]

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Bakery Marketing: 11 Ways to Get New Customers into Your Bakery

As someone who walks by a bakery every morning, I know just how tempting the industry’s offerings are.

And I’m not alone: in the US, bakery products account for almost $311 billion in total economic output.

That’s a lot of bread and cupcakes.

But how much dough is your bakery currently raking in? If you knead to get more customers into your bakery, it’s time to roll out these 11 essential bakery marketing methods:

1. Run a sweet giveaway

If you want to generate buzz about your bakery online, running a giveaway is one of the best options.

Why? Because many times, simply by entering the giveaway, your social followers are promoting your bakery online to all of their followers and friends.

To enter the giveaway, you can ask your followers to:

Post a picture of themselves at your bakery

Comment on one of your pictures with a clever caption

Tag someone they want to share their next pastry with

Answer a trivia question

Share their favorite treat from your bakery

The more people enter the giveaway, the further the news about your bakery will spread.

As a reward, you can offer a free treat for the winner from your selection of baked goods, or another kind of prize. Check out how Primrose Bakery used a giveaway to promote their bakery, offering their signature cookbook as the prize:

Using these social media giveaway ideas, you can feature your best products and get people talking about your bakery.

2. Satisfy people’s hunger for on-trend goodies

Food trends come and go, but some are quite a bit stronger than others. For example, the gluten-free fad has continued to grow. In fact, the total gluten-free food market is projected to grow from $3.7 billion to over $6.4 billion by 2025.

So, one way you can stay on-trend is by offering gluten-free products.

To keep up-to-date with what’s currently on trend, use a social listening tool like Buzzsumo and check out what food-related conversations are getting the most reach. Then, you can adapt some of your products to fit that trend.

Another way to find out what’s popular is by asking people directly. For example, you could run a survey through a tool like SurveyMonkey to your email subscribers, and find out what kind of pastries or foods they’d be interested in seeing. Find out what’s important to them, whether it’s gluten-free, vegan, organic, sustainable, or anything else!

To see how well this bakery marketing method works, check out the popularity of this vegan bakery in Texas:

By staying on-trend with their vegan offerings, this local bakery has amassed a social following of over 18,000 people!

3. Use delicious videos to draw them in

No one can deny that a quality video of delicious pastries can make your mouth water.

If you want to give people a hankering for your bakery’s best treats, draw them in with videos of what you offer.

For example, check out this video from Magnolia Bakery:

Seriously, who can resist that?

If you want to get creative, here are some video ideas for your bakery marketing scheme:

How it’s made: Videos that show the process of making your pastries

Before and after: Show your products before they go into the oven, and after they’re done

Tour of the store: Give new visitors a view of what your bakery looks like, from the inside and on the outside

Baking tips and tricks: Give your audience some insider advice on how to bake better

This kind of content establishes your authority as a baking expert, and builds anticipation in your audience for that delicious food.

4. Get your followers involved in new creations

People love to feel included in what their favorite brands are doing. So, why not run a poll on social media and see what people think?

For example, let’s say you have two different design ideas for a seasonally-themed cupcake. Post a picture of both of them, and ask your audience which one they like better.

This feeling of inclusivity is very powerful. Once you start selling the product that your audience had a part in producing, they’ll feel much more motivated to go out and buy one for themselves!

5. Make reviews more visible

According to one survey, 86% of consumers will read reviews for local businesses, and 68% said that reading positive reviews about a business will directly influence whether or not they use that business.

That’s why one of the best bakery marketing methods involves making those good reviews more visible to those searching for them.

There are a few different ways to do this:

Create a Google My Business Page

A Google My Business page not only puts your bakery on the map: you’ll also be able to collect and respond to reviews from your happy customers.

By taking responsibility for this page, you’ll make it easier for customers to find your reviews. Also, when they search for bakeries near them, they’ll be able to see the best bakeries, along with their star ratings.

Claim and update your Yelp profile

Yelp is a powerful place, especially for food-related businesses.

More importantly, your business may already have a page on Yelp. If left unclaimed, that page could promote inaccurate information about your business.

Once you claim your Yelp business page, you can respond to reviews, add photos and your website, and keep track of how many views and leads are coming in from your Yelp page.

Feature your best reviews on social media

To leverage the power of your best reviews, let’s take this one step further.

Sure, people can find your reviews online: but why not feature them on your social media accounts?

For example, you can take one line from a great review, and place it as text on your Facebook ads. It could look something like this:

By featuring these excellent reviews, you’re able to show potential customers just how much people already love your bakery.

There’s no doubt that reviews have the power to influence people’s decisions. Highlight great reviews, and you’ll help people see why they should be coming to your bakery.

6. Build custom landing pages for each paid campaign

Whether you’re using social media ads or paid search, each ad has its own individual goals and objectives. But, how do you know if you’re really accomplishing your goals?

For a bakery, creating individual landing pages may seem like more trouble than it’s worth. However, creating specific landing pages for each of your paid campaigns doesn’t have to be difficult, and it has some serious benefits.

For example, if you’ve created a social ad that features your bakery’s new line of cupcakes, you could create a landing page like this:

With Wishpond’s drag-and-drop page editor and responsive templates, you can create a landing page like this in just a few minutes.

Once you create your landing pages, you’ll be able to A/B test to see what works better. Plus, you’ll be getting real-time analytics to see how your page is performing in the moment.

With individual landing pages, you’ll see exactly how much traffic each ad brings in, which ones are bringing in the right type of customers, and which ones need to be adjusted.

7. Become a fountain of local knowledge

Many local businesses abandon their website’s blog after just a few posts. The biggest issue always seems to be: what should I talk about?

Your local business must become a face that the community recognizes and appreciates. So, your bakery’s blog can feature guides and articles about the local area.

For example, you could write about 10 foodie favorites from your city, the best nearby hiking trails, or local events that people should keep up with.

You can also partner with other local businesses, featuring them on your blog and generating mutual and complementary leads. They, in turn, can return the favor.

A blog can do amazing things for a bakery. In fact, Pink Cake Box, a specialty cake shop in New Jersey, has created a blog with over 120,000 visitors per month, and owner Jesse says that the blog drives a large percentage of their orders.

8. Keep up-to-date with popular hashtags

When you’re working on your social posts, it’s essential to understand the best hashtags for your business.

By using popular hashtags, you can get your social posts (and thus, your brand) in front of your target audience.

But there’s a catch: your use of hashtags needs to be strategic in order to work well.

Basically, there are three different types of hashtags that you’ll want to focus on:

Branded hashtags: These are the hashtags that include your company’s name or motto, like KitKat’s #HaveaBreak. These hashtags identify posts as being either by or about your brand.

Local hashtags: Your local area probably has its own hashtags. These types of hashtags help your local business be found by those in your area. To find these, check out what local-based hashtags other businesses in your area are using online.

Trending hashtags: The biggest trends are easy to find with tools like Hashtagify or All Hashtag. Always try to ride the wave of popular hashtags, jumping into the conversation while it’s still going on.

By staying informed of your local area’s popular hashtags, as well as the hashtags that are currently trending across the media, you’ll be able to put your social posts in front of the right people.

Check out how Martha’s Country Bakery did this by jumping onto a popular hashtag that was relevant to their local area, as well as including their own branded hashtag:

This post outperforms most of their other recent posts, and drew in quite a few comments. Could your bakery do something similar?

9. Host local events

Connecting with your community in-person is one of the best ways to build awareness for your bakery.

So, why not get out into the community and host or sponsor some local events?

For example, you could join forces with a local charity organization and sponsor an event to raise money.

Or, you could follow the lead of Bread Ahead Bakery and create your own baking school. That’s right: this bakery hosts regular baking courses to help their audience learn how to bake.

Why does this work? Because it shows people exactly how the process is done inside your bakery, and it proves that your bakers are experts in creating delicious goodies. It also gives you the ability to connect personally with your customers, develop relationships, and get people talking about you.

(Also, let’s not forget that this is a serious revenue opportunity in of itself!)

During your event, make sure to get some great pictures. Then, after the event, you can post those pictures on social media to help get the word out. You could even tag the people who came to the event (with their permission). That way, all of their followers will also see your brand.

Check out how Bread Ahead Bakery does this with posts about their Baking School:

10. Offer a loyalty program

Did you know that 79% of people say that a loyalty program made them more likely to continue doing business with a brand?

More than that, 73% of people said that they were more likely to recommend a brand if it had a good loyalty program.

Obviously, loyalty programs can have a serious impact on your business and can help promote the kind of word-of-mouth marketing that will make your bakery a local legend.

Loyalty programs don’t need to be difficult to develop. Start by deciding on what rewards you’ll offer (free coffee, free doughnuts, etc.), and then decide how customers build-up to those rewards. For example, customers could earn one point for every $1 spent, or they could get a reward after a certain number of visits.

However you choose to run your loyalty program, it will help you engage better with your audience, as well as driving new sales to your bakery.

11. Use location tags in your social posts (and get your customers to as well!)

The last essential bakery marketing tip we have for you is not to underestimate the power of location tags.

On most social platforms, you can tag your location. Then, when people search for pictures of that location, your photos will appear.

So, always tag your location when posting on social media.

By doing this, you’ll make your bakery more visible on a local scale. And, as a bonus, you can even encourage your customers to post their own pictures of your bakery with the location tag.

How?

Check out how DK’s Donuts and Bakery did this by creating a perfectly Instagram-able spot just outside their bakery:

Now, their own customers are promoting their bakery by posting pictures with the location tag. Just think about what your bakery could do with a social media photo spot like this!

Turn the heat up on your competition with these bakery marketing methods

It’s time to build your bakery into the local legend it deserves to be. Just remember to keep using these 11 bakery marketing methods:

Run a sweet giveaway

Deliver on-trend goodies

Use delicious videos

Get your followers involved in new creations

Make your reviews more visible

Create custom landing pages for your paid ads

Become a fountain of local knowledge

Keep up-to-date with trending hashtags

Host local events

Offer a loyalty program

Use location tags in your social posts

Using the right tools, like Wishpond, you’ll be able to leave your competition in the dust and become the go-to bakery for your local area.

Ultimately, you’ll have happier customers who keep coming back for more. That’s the icing on the cake! (My last bad pun, I promise.)

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[allaboutlotterynumbers-blog]

Quality Lottery Tips

There are a number of the books that one would read to understand how to win the lottery .  There are numerous steps that one should bear in the mind when checking on the set review in case you want to win the lottery.  There will be an essence to pick the software that assists you in making the correct choice. You will choose the best lottery and the drawings that help you win.  You can start to check on the correct choice of the winning lottery numbers.  You will oversee that you can settle on the correct numbers you have to break if there is a tie.  The following are some of the factors that one should consider when you desire to win the Texas lottery numbers.

One of the features to bear in mind to win the lottery.  There are an extensive entry pool and state lotteries.  The players should be ready to buy the tickets as state lotteries have better odds.   There are scratch games that one should provide in case you want to have extra chances of winning the lottery games.   You will bear in the mind that winning a jackpot and making sure that you double-check the numbers.  There are several prices that people win and in the end go unclaimed.  There is an essence of overseeing that you  Ensure that you will have to create chances of winning in the set game. Ensure that you are reviewing the numbers and getting the correct dates.

You should multiply the winning chances using the second chances games.  You should set a suitable illustration to oversee that you pick the appropriate visas.  Throwing out the lottery after pulling will not guarantee that they are not worth the choice.  It would be best if you guaranteed that you analyze the numbers and oversee that they do not take your time.  You should be ready to describe the wining of the lottery in the professional way possible.  You should get prepared to draw the suitable cash lottery numbers over the internet.  Oversee that you set the photographs on the two sides of the ticket. To know more about  cash lottery numbers, check out this page.

 It is easy to outline the set numbers to operate with if there is the suitable prediction of the numbers.  You will have to set the   set numbers of the same.  It is not authorized to purchase the lottery and involve the second chance games.  It is not necessary to acquire the compensation of the money before you purchase the lottery prices. You should assure that you settle on the best credit cards on winning the prices. Finally, ensure that you buy the tickets from the recognized sellers only.

Check out this link to learn more: https://en.wikipedia.org/wiki/Lotteries_in_the_United_States.

[texasborderbusiness]

Cornyn Announces Treasury Will Help Texans Redeem Billions in Unclaimed Savings Bonds

Unclaimed Savings Bonds in Texas Estimated to Top $2 Billion

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Texas Border Business

HOUSTON – U.S. Senator John Cornyn (R-TX) today announced the U.S. Treasury Department will assist Texans in claiming an estimated $2.1 billion in unredeemed savings bonds:

“Texans deserve access to all of their hard-earned money, whether it’s a bond purchased…