Author: <span class="vcard">Reginald Harper</span>

Stop These Habits If You Still Want to Win

Sometimes, winning a lottery is not about the quality of strategy you have or even your money. Sometimes, it is all about your habits.

Here are some bad habits in the lottery and in most online betting that you should stop doing right now if you still want to win.

Betting on everything

It does not matter how experienced you are or how much money you have, you can’t win all games at once. Here is one useful tip from the pros. The less game you play, the higher your winning chance. The is no ‘win more by betting on more games’ in betting. If you still believe this, you better stop doing it.

Being emotional

We know how enthusiast you are while playing the game, but never let your emotion controls you. There is no way you can win the game if you don’t cool your head first. Losing your clam will not help you win the game. So, keep your emotion away from the table. You are not going to need it in this game.

Chasing your losses

Chasing your losses just because you believe you will eventually win all of them back, is completely baseless. There is no guarantee that you will have them back. No one, not even the best pro in the world can give you this kind of warranty. In fact, in most cases, people who keep chasing their losses end up losing more than they have already lost. So, the final question is up to you now, will you stop when it is necessary or will you just continue without any guarantee of winning?

Blaming your luck

Things have changed and so should your mindset. Lottery is no longer about luck. This game is all about using your skills and observation. You may still win a game with your luck, but there is only a slight chance of it. Instead of wasting your time on your luck, there is a better way to win a lottery. You can observe the game data and use statistical methods to predict your winning chance. If the outcome tells you to avoid the game, you better do that. I know that even statistics can’t give you 100% guarantee to win that game, but at least it gives you 100% guarantee of not losing big.


Once again, winning a lottery is not about spending everything you have just because you think it will be helpful. Some of the biggest winners ever in lottery claim that one of the reasons they win is because they know to begin and stop. They didn’t chase the until the end if they don’t know the chance. In other words, they are not greedy. It may be a simple tip, but it has helped so many people out there.

Plus, being greedy also means you allow your emotion to take control of yourself. This is never a good way of playing. Always remember to keep your head cool and think objectively.

Lottery Strategies You Need to Know

Some people believe that lottery is all about luck. Well, I don’t think so. A lottery is a game and the best way to win a game is by using a strategy. There are plenty of strategies you can use to win a lottery, from tracking, wheeling, pooling, and even using a special software.


Tracking or frequency analysis is a strategy where players keep track of a certain number, including how often the number is drawn. The more frequent the number comes out, the higher your chance to win if you use that number. This is the most common tracking strategy.

There is another one, though. It is called tracking cold number. Cold numbers are the least frequent winning numbers. Some people believe that cold numbers are better because they haven’t been picked so far

Some experts, however, believe that the best combination comes out of both numbers. That means you should combine hot and cold numbers if you want to increase your winning chance.


Wheeling is a strategy where you create a master list of your best numbers and use a coded system to play these numbers in some kind of round-robin using different combinations. Experts believe that wheeling can help you increase your winning chance since it involves creating combinations from your numbers.

However, this strategy is also quite expensive. Therefore, before you use this method, make sure you have set up your budget. You should play only within this budget. Then, based on this budget, you need to decide how many numbers you want to include in your master list. This is the safest way to play wheeling or else, due to the possible combination and how many numbers you have, you can easily go bankrupt.


Simply said, pooling means you join other lottery plays, put some money, and together with the other player, use the ‘collective’ money to buy tickets. Since there are more people involved, you will have more resources to buy the ticket and, therefore, increasing your chance to win the prize. However, since you use the collective money to purchase the ticket, if that ticket turns out as the winning one, you have to split the prize to all members.

Also, for your own good, make sure you join a pool of people you can trust. You certainly don’t want to give your money only to be taken away by someone you don’t know. The second thing is, make sure the pool is operated only by reputable and trustworthy professionals. To keep your share maximum, your pool should have less than 15 members.

Special Software

As technology advances, so does the lottery. Today, you can see many developers offering lottery software, which they believe can help you increase your winning chance. Some of these apps offer astrology-based system, database, or other methods to help you pick the best numbers. However, please be cautious. Many of these apps are expensive, plus no one can guarantee their results. You can win big or lose big. It’s 50:50.

How Much Tax Should You Pay If You Win Lottery?

With hundreds of millions put as the jackpot, many people think you will get as much as the amount stated if you win a lottery jackpot. For example, in May 2016, Powerball jackpot hit $415 million. If someone did win the prize, some of us would think he/she would get the whole $415 million. Well, that will never happen.

In fact, if you win a lottery, there are 2 important things you should take care first: your anonymity and paying the taxes.

If you want to receive the prize in whole, the only way to do that is by splitting it into 30 payments over the next 29 years. It means you will only receive around $13.83 million per year. The amount will rapidly decrease to $269.7 million if you choose to receive it in one lump sum.

Next, you should pay the federal tax bill. Since winning a lottery is considered as ordinary income, you should pay the 39.6% federal tax. The amount is deducted from your prize and unlike in several countries, there is no way you can cut that rate.

Here is another thing. If you are a US citizen or have a Social Security Number, the US government is liable to automatically withhold 25% of your prize. If you choose the lump sum, this rate will only leave you with $67.4 million. If you can’t provide your SSN, the rate will increase to 28%. If you are a foreigner, the amount will even hit higher rate, at 30%.

You should also pay additional 14.6% federal tax, which has been applied since April 2017. It means you should cash out another $39.4 million from your winning.

After these federal obligations, you will still have more than $162 million in your wallet. Not bad, actually.

However, please be aware. Depending on where you bought the ticket and your current address, you might have to pay local state and local income tax. In New York City, for example, you have to pay 4 elements of taxes: federal, county, state, and city taxes. The more elements to pay, the less money you will be left with.

In most cases, local and state tax will cost you around 15% or roughly $40.5 million. That means you will now have around $122.4 million.

The good news is, if you live in South Dakota, New Hampshire, Floria, Texas, Tennessee, Wyoming, or Washington, you don’t have to pay the personal income tax, which also means you can keep more money.

Sharing the prize after the number is drawn is not going to help you either way. If you want to reduce the amount of taxes you should pay, you better split the ownership of your ticket before the winning number is drawn. If you do it after the drawing, sharing the prize won’t help. Sharing the prize will be considered as a gift to the receiver. As for you, you will be still considered as the sole owner of the ticket and therefore, are liable to pay all the taxes.

So, if I were you, I’d share the ticket before the drawing. If I win or lose, both sides will share the same benefit. No one will lose and everyone will happy. Isn’t it good?

Which Lottery Has the Best Odds?

PowerBall, Lotto, Mega Millions. There are so many lottery games available today. While it is true that you can join each of these lotteries, do you ever wonder about which one has the best odds? With millions of people entering the game, we know how difficult it is to win the prize, leave alone the jackpot. However, if there is a chance for you to enter a lottery with better odds than the one you have, would you mind to switch?

Here is the secret. Winning lottery is actually easy if we include the lower-tier prize, not just the jackpot. Our mistake is we are often too focused on winning the latter and forget that there are still other prizes available. The plenty amount of people who win lottery prizes each week is a solid proof for this. However, unlike the media darling jackpot winner, these people are less likely to get on the news. Maybe one or two of them managed to get on the news, but most of them didn’t. This triggers us to believe that jackpot is the only prize we can get from a lottery. Nothing else is important, even if those other prizes worth millions of dollar.

Our second mistake is we are often too focused on big-scale lottery game, such as Powerball, Lotto, or MegaMillion. In my opinion, the media should be blamed for this. They just love to put Powerball, MegaMillion, Lotto or other big lottery game jackpot winner on their show, while they seem to ignore winners from smaller lottery game. That’s when we began to ignore that there are better chances to win millions of dollar. There are lottery games with better odds to win than Powerball, Lotto, or MegaMillions.

In fact, with 1 in 24 odds of winning any prize, MegaMillions has the 6th best odds of winning. This is far below French Lotto, which is considered has the best winning odds of 1 in 6. Powerball is at the 7th place with 1 in 24.8 odds. At the bottom of the list, MegaSena lottery from Brazil holds the smallest odds to win at 1 in 2,332.

So, if you ask my opinion, instead of buying a PowerBall ticket, I’d buy a French Lotto ticket if I want to win. The chance is more than 4 times greater than Powerball for anyone to win a French Lotto ticket.

Now, what about the jackpot? Is there a better place to win a jackpot than MegaMillions or Powerball? Well, sure there is. Prediction websites like increases your chance to winning a jackpot.

In fact, as far as we know, MegaMillions is the second most difficult lottery to win a jackpot with 1 : 302,575,350 odds. The worst place is SuperEnaLotto from Italy with 1 : 622,614,630 of winning odds.

How about Powerball? With $1.4 billion total jackpot, the odds of winning it is at 1 : 292,201,338. This is far below Mini Lotto from Poland where you can win the jackpot of $700,000 with 1 : 850,668. Yes, the prize is far less than Powerball, but still, you have better chance to win the prize. In some cases, there are even some people who won the prizes several times and if we sum the total prize they won, you will be surprised at how much money they’ve won.


How to Avoid Poker Scam

Everyone hates scam, especially when it comes to poker. It is so disappointing to know that after everything we’ve done and invested, there are still losers out there who want to rob our money. These so-called scammers have ‘successfully’ tricked so many players and emptied their funds.

We don’t want the same thing to happen to you. Therefore, we have compiled this list to help you prevent poker scams.

Avoid most private games

The reason is simple. The less public your game, the fewer people you have to watch the game for any dirty tricks. Use these tips to avoid any scam:

  • Do not enter any random game. Find out how fair they host the game before entering. You surely don’t want to enter a game where the rest of the players work together to trick you.
  • During the game, check of any marked cards, rigged deck, collusions or anything that cause unfair game. Leave the game immediately if one of these things happen.
  • Do not bet everything. In case the shenanigans occur, you must reassure yourself that you won’t lose everything. However, this should be your last option. Leave the game immediately even before it starts if you are unsure of the fairness.

You should never loan money

You might think that it would be best to borrow some money just because you believe you would win and gain back your losses. Let me tell you the fact. This scenario rarely happens. In most cases, you will only lose everything, plus you now have to pay back your loan. Borrowing someone’s money will never give any benefit to you. The only person who will get that benefit is the person who lend you his/her money.

However, if there is no better option than borrowing his/her money, please do consider these tips:

  1. Only lend money from someone you know so well personally. Make sure he won’t chase you even if you fail.
  2. Make sure that person’s financial situation is better than you. Things can get worse if both of you lose the game and none of you have money to bet.

Fund trading is risky

If you need extra fund for your game, consider fund trading. This is much better than the loan because both parties get the benefits. However, before attempting one, please consider these tips.

  1. Do not send first
    If still possible, ask the other person to send the fund. If he agrees, then you can rest assured that he is not a scammer.
  2. Validate the accounts
    Before sending the fund, make sure you have validated the account. The holder’s name should match exactly the other person’s name. If you can’t verify the account, do not send anything. You might end up sending the money to a scammer.
  3. Be careful with large denominations
    You should be extremely careful when it comes to large denominations. Double check everything and if you are unsure even about a tiny detail, you should abort the trading.

Beware of hidden chips

Hidden chip is a common trick among scammers. They usually conceal their higher denomination chip for you to cause confusion. They are trying to lure you and make you go all in. As you can see, this is dangerous and literally breaking the rules. The rule in poker clearly states that you have to make your higher denomination chips visible. However, there is no sanction to those who choose to ignore this rule. Therefore, you should be always aware of this trick and learn how much they do actually have in their stack.

Personal Finance Tips – How To Formulate The Difference Among Your Requirements And Wishes

If you begin tracking down your operating cost to the negligible feature, you will observe that it will be much easier to maintain track of what you actually require to expend money on – like transport from your home to your workplace and back – and stuffs you wish, like an energy drink that assists you comprehensive the day. The difference among your requirements and things your wishes assist you manage your expenses.

There are circumstances when the two overlie: perhaps you will see various new pants for $70. There would be no disagreeing you require a couple of new pants, but the cost would build you think two times. Though, there is no position in buying incredible that is contemptible, but you are not completely pleased with: why are you functioning to create money if you can’t encompass any delight in it?

There are few questions to inquire physically to see what the dissimilarity is between the things you actually require and the things you wish. What is the reason of this buy? Can it save time, power or cash for you? Will it assist you do amazing you desire or should do? When will you utilize this buy? What are the pros and cons of purchasing it at the present against waiting?

What are the things you have to furnish up to purchase that mania? Do you have to utter farewell to your investments? Will there be some delay in the buy of extra things? Can you create this buy and attach to your arrangement to reimburse down debt? Keep in brain that the genuine value of a thing you buy cannot be definite by its value plus sales tax. If you purchase something, you might loose an chance to spend that money.

A superior trick is surroundings your possess value tag to dissimilar belongings: before you make a choice to purchase something, a lunch, a car or a vacation, disregard its value tag, and make a decision how much that thing is value to you. If you do this, it will be less credible you overspend on something you don’t actually require.

So if you make a decision how much a flat screen TV is value to you and you are not eager to pay more on that, you will see that the desiring for the things only wealthy people can pay for. You will saunter gone freely from things that have a cost tag that doesn’t competition your own cost.

Tax Services – Employee Profit

As establish up or small business proprietor, I am sure you would like to be acquainted with the profit that you can present your workers. This is necessary as you would like to make sure that you are on the correct surface of the law and at the similar time employ some of these profits as “Employee Retention” tackle while negotiate with new or accessible employees. We expect after interpretation this article you will have a improved thought of characteristic reimbursement that are obtainable by employers in US.
Legislative Benefits are permission by law and have to be offered to all workers of the company.

1. Social Safety (Centralized Program paid through FICA Tax preservation from workers pay and coordinated by company)

2. Medicare (Centralized Program paid through FICA Tax preservation from workers pay and matched by company)

3. Workers recompense offers a profit to employees who are upset on the job. The reporting is typically obtained through a Property and Victim Broker all along with the Businesses General Liability strategy. The Workers recompense premiums are supported on payroll and job categorization of the workers.

4. Federal and State Joblessness Insurance: As the name specifies is an insurance payment that is paid by the company and is typically a proportion of the whole payroll. In accumulation some states have extra Insurance premiums that are billed. For example in New Jersey, Family depart Insurance premium is billed by the worker.

5. Statutory Disability offers an income substitution for those workers who undergo an accident or illness off the job. In New Jersey companies donate 0.5% of the first $30,300 of the workers’ earnings during 2012.

Non-Statutory worker profits are elective and might be obtainable to the workers. They naturally contain:

1. Health Insurance offers repayment to workers for medical operating cost acquired by them or their family members. Health Insurance acquires by the company is priced on an assembly base. The charge will be a purpose of age and gender without stare to medical form and/or the company Group’s maintains history.

2. Dental Insurance offers repayment to workers for dental operating cost acquired by them or their family members. Dental insurance charges are resolute by gender and age.

3. Group Life Insurance offers a death advantage to a workers’ recipient in the occasion of a workers’ death. Charges are resolute by age and gender.

4. Group Long Term Disability Insurance offers repayment to a worker who becomes immobilized. The advantage is uttered as a percent of income but no superior than a convinced maximum.

5. Group Short Term Disability Insurance offers supplemental repayment on top of the Statutory Disability imbursement to a worker who becomes immobilized.

6. Vision Plan offers repayment for eye examination and spectacles/contact lenses.

7. Section 125 Plan contains Medical Reimbursement, Dependent Care and Transport cost.

8. Pension Plan (401k, Profit sharing etc.). Most new companies will choose a 401k plan to present to workers. The company will make a decision if it will competition the workers’ donation in various amount.