The Best Ways to Play The Games of The Massachusetts State Lottery

Instant Win Scratch Tickets

Have you ever been to a corner store and witnessed an unusual flood of people there, many in and out of their cars, some just sitting mesmerized in a trancelike state, and wondered, ‘what on earth is going on here’? What you have just witnessed is the result of a new release of an Instant Win Scratch Ticket from the Massachusetts State Lottery. I’m sure it comes as no surprise to you that it’s all about entertainment and money. There really is only one thing capable of generating that type of excitement at corner stores and ‘quick stop gas stations’ throughout the state so, there’s also no wondering why the state holds a ‘legalized monopoly’ on the industry.

You may however, have wondered, ‘how do all those people know when a new instant win game is released’? The answer is, they watch for new release announcements on the New Lottery Instant Game Tickets page of the Massachusetts State Lottery Official Web Site. In this way they are always apprised of new opportunities to hit the jackpot.

As for the sudden furor of it all, it can be explained simply with what’s well know throughout the ‘scratching community’, in an attempt to gain popularity for a game, each new instant games release is saturated with winning tickets.

So, now a week as gone by and the crowds have dissipated at the ‘scratching posts’ and you a have some former presidents burning a hole in you pocket. Short of a cold shower, you decide what to do, buy yourself some instant win lottery tickets! Now comes the dilemma, which games tickets to buy? Before extinguishing those fiery historical figures, refer to the Instant Prizes Claims page of the Massachusetts State Lottery Official Web Site. Additionally you may want to check the Instant Prizes Under 1,000,000 page.

What you are looking for is the claimed vs. total columns on the right side on both of the listing pages. By scanning those two columns you can easily see how many prizes are both available and claimed. Now at this point it becomes perfectly obvious that you only want to purchase tickets for games that have more unclaimed prizes than claimed prizes. After all, why throw away your hard earned money on a 46 claimed prizes out of 50 available prizes game ticket when you can purchase a 28 vs. 66 or 18 vs. 80 and have something on the order of 30 to 60 more chances of winning the grand prize amount! Granted though, all those winners will not be in circulation at the time of your purchase.

This begs the question of how much money to spend on your instant win ticket purchase. Most “professional ‘scratchers’” remark, you must spend at least $100 on one game at one time to have any real chance of winning a jackpot, claiming, you really need several full fresh sheets of tickets in order to better your chances of your scratching revealing that jackpot. However prudence dictates you can only buy as many scratch tickets as your budget will allow. So, if spending $100 simply is not in your budget today, perhaps over time, putting some money aside for a ‘new instant win release treat day’ would be an acceptable way to both play by the ‘rules’ and, make it relatively ‘affordable’ to do so.

Cash WinFall

A ‘one wheel’ game, Cash WinFall, being the Massachusetts State Lotteries newest game, has an interesting twist on its jackpot. The money is rolled down to lesser winners! If no grand prize has been won before the jackpot pool reaches $2 Million, that $2,000,000.00 or more then gets dissipated through to all lower level wins of that draw. Meaning, if the jackpot is $2 Million or more, and there is no jackpot winner, that $2 Million goes to all the prize winners in that drawing. Pretty neat! Now it’s quite obvious when to play Cash WinFall!

Mega Millions

A two wheel game, Mega Millions is the Massachusetts version of the highly popular multi state game PowerBall. Being a 2 wheel game, the odds are quite high against picking all 6 winning numbers. In fact they are quite a bit higher than PowerBall odds. One would naturally assume because the odds are higher, there would be less frequent winners with higher jackpots. That simply is not the case. PowerBall has jackpot winners, on average over the past year, approximately once every 6 weeks (8 winners) with 9 figure jackpots numbering 4. While Mega Millions has jackpot winners, on average over the past year, approximately once every 4 weeks (14 winners) with 9 figure jackpots also numbering 4. One can reasonably assert that those figures are a result of the participating states population and economic demographics.

So how do all those people win? The Official Web Site of Mega Millions states quite clearly on its Winning Picks page [http://www.megamillions.com/winningpicks/download_numbers.asp] that ‘Lottery games such as Mega Millions are random and it is impossible for anyone or any lottery analysis software to predict exactly what will be the next drawn balls. However, patterns can still be observed from the balls that are randomly drawn for different periods of time’. That being said, you can obviously have a better chance of winning through a lottery related form of Statistical Analysis. For more information on Statistical Analysis and how it applies to the Massachusetts State Lottery, visit MassLotteryResult.com. So, when should you play this game? You should really only play Mega Millions about the 4th week after every jackpot winner!

The Numbers Game

A 4 wheel game and the oldest of the Massachusetts State Lottery Games, The Numbers Game has been in operation since 1975. More than 10,000 drawings have made players the happy winners of tens, hundreds and, thousands of dollars every day. Number odds being quite reasonable, one would assume winning this game to be relatively easy. Nothing could be farther from the truth. The fact is, the way you are forced to play this game aids in stacking the odds much farther against you than you may think. With it’s all 4 any 4, first 3 last 3 any or exact, 2 digit combinations, .25c, .50c, $1, $2, and $5 play options, coupled with payouts less than $10,000, playing this game is a real challenge, as too is it’s worthiness of being played. What the designers of this old lottery game seem to have overlooked is,it’s not how to play but what you win, something the newer games embrace fully. That being said, The Numbers Game does have its merits. There are lots of people out there who only want to bet .25c or .50c and, not even Keno offers that option. What this game really needs is a simple ‘any 3’ option including a ‘$5 only’ bet and a maximum $500 payout. That alone could catapult the popularity of The Numbers Game to stratospheric levels. So what’s the best way to play this game? .25c and 50c bets only, any combinations you want. The layman perspective is, pick 4 out of 40 on The Numbers Game and maybe win $10,000. Pick 5 out of 35 on MassCash and definitely win $100,000, spending $1 or more should be saved for MassCash.

MassCash

An older ‘one wheel’ game that, since its inception in 1991, has paid its $100,000 jackpot to more than 2500 winners! With its reasonable odds and reasonable payouts it’s easy to see why this older game continues to be popular. With jackpot winners nearly every drawing, and multiple winner too, you can play this game whenever it’s drawn!

MegaBucks

An older ‘one wheel’ game that, since its inception in 1982, has paid more than 1700 winners varying prize amounts totaling about $2.5 Billion. A fairly tough game to win, jackpot winners are, on average, paid out every 10 -12 drawings. So, naturally you only play this game every 10 – 12 draws after a jackpot winner.

Keno

A ‘newer one wheel’ computer driven game and a masterpiece of modern gambling Keno, is designed for people with a lot of time on their hands. After all, where else can you have a chance to win $1 Million every 5 minutes 21 hours a day, 6 days a week, and 13 hours on Sunday! When should you play this game? Whenever you’ve had just enough to drink to think you can actually pick 12 of the 20 numbers drawn from a pool of 80. Seriously, Keno is a very fun game and, when played correctly, can create hours of enjoyment for little to no money spent. In fact people have been known to play all night and leave no poorer than when they started! How is that? Keno allows you to win if you don’t pick any of the winning numbers! Amazing! Well, maybe not all that amazing as Lottery Officials have obviously figured out that it’s harder to not pick any of the winners than to pick 1, 2 ,3 or 4 winners when playing a 12, 11 or 10 spot game as you don’t win anything for picking less than 5 winning numbers. But, if you are the unluckiest person around you could win all night long! So how do you play this game? The odds are just as good winning a prize on the 7 spot wager as the 1 spot wager so play the 7 spot though the best over all odds are on the 2 spot wager. Simply show up, pick you numbers, pay for however many games your visit will cover and, cash out when you leave.

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Why is Financial Planning Important? Joss Finance

Personal financial planning is important because it provides you with a method of organising your financial tomorrows for yourself and is unreservedly about planning for the unforeseen and empowering you to have the independence to handle unpredicted events in your life. Successful personal financial planning is therefore, extremely important for anyone who wishes to stay ahead of their finances.

Doubtless personal finance is a demanding subject to grasp and comprehend fully and for that reason an individual as a matter of course is inclined to shy away from it, building defenses in an effort to avoid having to comprehend it’s effectiveness. However, with everything in life effort will equal reward in your courageous attempt to rid yourself of financial constraints. For many persons, your objectives in finance are to achieve financial freedoms. Having a well developed financial plan is central to prosperous personal financial future.

The next action of personal finance planning is to determine where you are today such as how much money you have stored up, the value of your investments and what types of investment vehicles they are. This plan will give you a blueprint directing you towards achieving your goals, what products you should be investing in, for what time period you should invest for, whilst considering your constraints such as your attitude towards risk. Blueprints such as these will provide you with some great quick start methods on how you can begin to better manage your finances beginning today.

It is a reality that one of the largest factors of personal debt is the overuse, abuse and ill-treatment of the credit card. Nevertheless, if you come upon such a position, do not despair, considering with a personal finance schedule you can substantially curtail your liability in 3 simple steps. Firstly you can refinance your credit cards by combining your commitments, or you can even renegotiate your interest rates with your existing credit card institution. In getting ready for a further economical constriction, it is crucial that you take a number of personal financial planning steps. There are the bills you must settle each month, and accordingly, is part of your compulsory personal finance planning routine. Keep in mind that you should endeavor to buy everything ‘on sale’ for intelligent planning. Smart personal finance planning means restricting how frequently you consume food in a restaurant, or pay out money on recreation. For that reason, by acquiring conventional approaches with your personal finance planning now, you can even so set aside crisis funds that will assist your family if times are demanding.

Once you have an precise picture of where you are today, your personal finance planning project can proceed to the next level namely deciding where you wish to be, and how to arrive there. The difficulty is that most individuals compare personal finance budgeting with sacrifices. Target your personal finance planning exploits at liberating yourself to retrain for further satisfying and more financially profitable jobs, and you will turn out to be one of the world’s most productive savers in no time. Debt management strategy tip – observe your interest rates when economical uncertainty is on the skyline given interest rates are the first to respond to making debt control crucial.

In summary therefore, and to address the issue around why is financial planning important, if professions are becoming more unstable, then personal finance planning is becoming more significant than ever, and the earlier you start to get your finances in order, the better.

Review of AVS4YOU

If you are looking for an honest AVS4YOU review which is based on personal experience and also on real testimonials collected from all over the Internet, then you’ve come to the right place. In this article I will try my best to enlighten you on some subtle and finer nuances of this software suit of products and also give you the major pros and cons of it. After reading my review I suggest you to visit the official website of AVS from which you can get more information if needed.

What is AVS4YOU

AVS4YOU is a collection of software tools (currently there are 18 tools available) for which you can purchase either an unlimited access license or a one-year access license and use ALL of the tools with that license. There is a Trial Download version for all of the tools from the official website. There is nothing better than using the software first before purchasing.

The official price for the Unlimited Access Subscription license is $59 and offers full access to all software tools with no time limits.

The official price for the One-Year Access Subscription license is $39 and offers full access to all software tools for one year only.

Who is Behind AVS4YOU

The company behind AVS4YOU.com is “Online Media Technologies Ltd” which is based in London, UK and specializes in software development for digital video and multimedia. That’s why the best software tools in the AVS4YOU bundle are the ones dealing with Video and Audio multimedia. The company developing the AVS products has been in the market since 2004 and has a very strong reputation as one of the best and most trusted software companies in the field of digital multimedia.

What’s included in the AVS4YOU package

As we’ve already mentioned above, the website offers a bundle of 18 software tools divided in 4 categories:

Video Software Category:

o AVS Video Converter (Most Popular tool)

o AVS Video Editor (Most Popular tool)

o AVS Video Remaker

o AVS DVD Authoring

o AVS Video Recorder

o AVS Media Player

Audio Software Category:

o AVS Ringtone Maker

o AVS Audio Recorder

o AVS Audio Editor

o AVS Audio Converter

Image Software Category

o AVS Image Converter

o AVS Photo Editor

o AVS Cover Editor

Miscellaneous Software Category

o AVS Disc Creator

o AVS DVD Copy

o AVS Firewall

o AVS Registry Cleaner

o AVS Antispam

The best tools included in the bundle package above are the first two categories (Video and Audio Software Tools). Indeed, the company is specializing in digital multimedia technologies, so their Video and Audio tools are the best. Especially the AVS Video Converter and AVS Video Editor are the most popular from what I have gathered after reading several testimonials.

If you are looking for firewall, registry cleaner, antispam tools etc, you will find better products from other vendors, not from AVS4YOU. However, if you purchase the registration license, you will have access to the Miscellaneous Category tools anyway, so why not use those software tools as well.

The software tools work ONLY on Windows Operating System (Win XP, Win 2003, Vista and Windows 7).

Advantages and Disadvantages

Advantages:

• Being a tech guy and video/audio fanatic, I can assure you that the video/audio tools that you will get in the bundle are probably the best in the market. I have not tried the rest of the tools (yet), but for the video and audio tools I have a great personal experience.

• Excellent price. Considering the price with which you get to download 18 top-notch software tools, there is nothing much to say about the value for money you will get.

• 30 Day Unconditional Money Back Guarantee.

• Free Trials for all the software. Just Download, Install and give them a try before you buy.

• Free Software Updates for life.

• Every new software released by the AVS4YOU website will be always free for customers that have already purchased a subscription license.

• Unprecedented Technical Support.

• The AVS4YOU website is full of excellent User Guides and Video How-To Guides to help you perform any supported task with the software tools.

Disadvantages:

• License is valid only for a single computer. If you are planning to change your computer soon, then don’t buy just before you get a new PC.

• Software works only on Windows machines (no MAC or Linux support).

• The company might go bankrupt if they keep the price so low (just kidding!).

Why Businesses Fail Without Accounting Finance Help Joss Finance

To succeed in the business world is tough and especially if you are not too familiar with the different strategies which are needed to make a business successful. Accounting finance, bookkeeping, promotion, marketing, production and manufacturing are some of the strategies that you need to undertake for running a business successfully.

Accounting finance is something that any business needs to seek help with. If you are running a large scale business, there is no question that a separate department or outsourcing is needed. If a person is running a small scale business, they may be able to handle the accounting finance work themselves, but background knowledge is a must. Attempting to calculate these figures can be very time consuming and frustrating if the education or skills are not possessed.

Accounting finance will service a business by keeping a proper record of all the financial aspects of the business. Each business needs to keep a record of all the fiscal dealings that they do on a daily basis, as this is the only thing which will help in determining how good or bad the business is doing.

Often it happens that the person handling the accounting finance or the financial aspect of the business does not make it a habit to maintain all the financial records consistently, especially the small transactions that are done on a daily or weekly basis. It is very important to have all the things documented and it will be best if these things are written down because they are quickly forgotten.

Now accounting finance help is something that you cannot avoid and so you must make sure that you get the best professionals to do the work for you. There are many well-known firms that perform excellent accounting finance. Using a true army of dedicated, experienced personnel such firms have the capacity to deal with various financial accounts, engaging in bookkeeping and income tax services. The benefits of outsourcing the accounting finance helps in every aspect of a business, and this is the reason why there is a large surge in the number of business owners and entrepreneurs opening up to the idea of outsourcing the work.

The experience of professionals can help people understand and maintain their financial records in a more effective manner. With accounting finance services, one can learn the true basis of accounting and benefit from an advantageous tax system suitable for corporations. Their intention is to use all the available resources and trained staff to help deal with issues such as audit and budget possibilities. Using such a service, greatly assists in accomplishing a company’s clear objectives.

The strategy, which will be needed for maintaining the accounts of your business properly, is different for every business. Therefore, the professional who is offering accounting finance help to your business must make sure that he is fully aware of all the different aspects of your business. Then based on that, decide what will be the best way to handle the accounts and finance of your business. Accounting finance help can do wonders to your business when doe in the correct way.

Debt Relief Grant Money – Federal Financial Aid Programs Joss Finance

Credit card debt has become one of the largest financial problems faced by a majority of people today. Many individuals struggle paying off this debt without realizing that there are debt relief grants available from Federal Financial Aid Programs, that have been set up with the specific purpose of helping the average citizen pay off their unsecured debts. While some people simply do not take advantage of these grants because they are unaware that they exist, many others don’t utilize them because the process seems too confusing for them to complete alone. Fortunately, there are programs and software available to help you get this money.

While debt relief grants are out there, finding them and applying for them is usually the most difficult part. Remember that while you may eventually be able to pay off your credit card debt by working hard and paying the minimum balance for years, or even decades, getting one of these grants will offer you immediate relief. One of the most positive aspects associated with this type of money is that unlike a traditional loan, you usually are not required to offer some sort of collateral, and will also avoid large amounts of interest.

The process of receiving debt relief grant money will require that you first apply. The individual or government group that handles this kind of relief program will want to know how you qualify, along with exactly how much money you will need. One of the main considerations will be your ability to repay the money that is currently owed by you to all of your creditors. The easier it is for you to prove that repaying this debt in a reasonable time frame without large amounts of interest is impossible, the more likely it is you will be approved for a grant.

Getting the money that you need to finally repay your debts can seem like a difficult process, but doesn’t have to be. Instead of refinancing your current debts or taking out another loan with a large interest rate, consider applying for debt relief grant money from one of the many Federal Financial Aid Programs that are available. Remember that there are many types of software and organizations available that can help you apply and simplify the entire process for you. The benefits of finally paying off your credit card debt once and for all should be incentive enough for you to start applying for these grants today.