Bet on the KY Win for Life – It Might Ensure Your Financial Future

What would you do if you had an extra $1,000 a week to spend? Would you take out a loan on a new car? Have your house refurbished? Buy a new TV? Take a vacation? Or do all of them, why not? If you would like to try your luck at winning $1,000 a week for the rest of your life, you can join the KY Win for Life lottery game. If you win the grand prize, you’ll receive a quarterly check of $13,000 (less the applicable taxes) for the rest of your life. And betting costs only $1.00 per game.

How do you play the KY Win for Life game? All you have to do is pick six numbers from one to forty-two in one of the play areas of the Win for Life playslip (each playslip has five play areas). Or you can ask the computer to pick six numbers for you using the Quick Pick option. The official Kentucky Lottery site also has a lucky number cruncher application for all of its lotto games that you can use to pick numbers to bet. After you’ve picked your numbers, mark how many draws you would like to play on the playslip; you can play up to 16 consecutive drawings using the same numbers. Or you can play single draws and then use your non-winning ticket to bet the same number for the next draw by presenting it to the retailer and asking to “play it again”.

During the draws, which are held every Wednesday and Saturday, six numbers will be drawn for the winning combination. Then a seventh, Free Ball number will be drawn. If your ticket matches all six numbers in the winning combination, you’ve won the grand prize. However, if you’ve only gotten five numbers plus the Free Ball number, then you’ve won $1,000 a week for a year or a total cash prize of $52,000. There are also consolation prizes you can win if you match four up to three numbers, and the prizes will be bigger if one of the numbers you match is the Free Ball number.

To find out if you’ve won, you can watch the live draws held at 11 pm Eastern Time/10 pm standard time on Kentucky Lottery network stations such as WKRP Cincinnati, Louisville the CW and Lexington the CW KYT. You can also listen to draws on participating local radio stations, look for the results in local newspapers and posted at Kentucky Win for Life outlets, or you can visit the Kentucky Lottery website where you can search the site for specific numbers and dates to see if you’ve won in the past.

Once you’ve won, make sure to sign the back of the ticket as proof of ownership and to make sure that no one else can claim your prize in case you lose it. Winning tickets can be validated the morning after the winning draw. You can claim major prizes at the Kentucky Lottery Headquarters in Louisville, KY while smaller prizes $25.000 and below can be claimed at regional offices, prizes $5,000 and below at authorized cashing agents and prizes $600 and below at Win for Life outlets. Note that all prizes must be claimed within six months (180 days) from the winning draw date.

Texas Hold ‘Em Poker – Can You Beat a Bot?

When I first started to learn the game of chess, I bought a cheap chess playing computer from Radio Shack. I was pretty good at the novice level, but when I moved the setting up a notch or two, I soon realized just how poorly I really played. I never won a game. That was 30 years ago. Computers have come a long way since then.

I mention this because it ties in with an article I recently read about a poker playing Bot. (A poker bot is computer program written to play online poker.) Before I get into that, let me tell you about an experience I had several years ago. A gentleman stopped by my computer store one morning and asked me if I could get him the fastest computer on the market. Then he told me that when an even faster one comes along, he’d buy that one too.

I asked him what he was going to use it for (So I’d know how to set it up.) and he was very hesitant in answering me. Finally, he invited me to his house, saying it would be easier for him to show me than to explain what he was doing.

When I got there, I found two computers setting side by side. One was state-of-the-art, the other was just an average system. After much him-hawing, he finally told me that he was making a ton of money playing Backgammon on the Internet. I thought he was kidding, but he wasn’t.

Here’s what he was doing. He was entering high-stakes online Backgammon tournaments that paid big bucks to the winner. He had an edge. He had purchased a world class Backgammon program and was running it on the “fast” computer while he played the tournament on the slower computer. He would duplicate the ‘live’ game, move by move on the “fast” system, and it would analyze the board positions and tell him what move to make next. Because time was at a premium, he needed the fastest computer he could get to do the analysis. I was amazed.

In the last few years, Texas Hold’em, not Backgammon has become the game of choice. It’s estimated that as many as 2 million Texas Hold’em players ante up online each month. The PPA (Poker Players Alliance) has over 1,000,000 registered members in the United States. I’d guess that most of these players figure their odds of winning online are about the same as they would be if they were playing in a physical casino. That may not be the case.

One problem when doing anything on the Internet is that you can never be sure of who or “what” you might be doing it with. That’s true with chat lines, messaging services, and now, even fellow poker players. There are poker bots you can purchase on-line that are specifically programed to play ‘limit’ Texas Hold’em. They analyze the game in real time. They know the ‘percentage of winning’ as the hand unfolds. They don’t get tired and make mistakes, they play using the most powerful poker strategies available including pot-odds, and they need ‘no’ human intervention at all. Some of them can even play up to eight tables at the same time.

Bots are outlawed in almost every online casino. But because they are so hard to detect, my guess is…many of them are playing right now and the other players at the table have no clue as to what they’re up against! Remembering my experience with the chess computer…I doubt I’d stand a chance against a poker bot. Not in the long run. Of course, they don’t win all the time. There’s still a lot of luck involved in any card game. But if I were a betting man, I’m afraid I’d have to bet on the bot.

Walking Tour Of Downtown San Jose – Costa Rica

Downtown San José usually doesn’t make it to most tourists must-see spots in Costa Rica. Most folks do not want to spend time visiting San José but you are really missing out on seeing a real vivid part of Costa Rica. Sure it’s congested and smoggy but a lot of people go visit New York City. And although you can now fly directly to Liberia so you can hit the beaches without even stopping in San José, the fact is most people still fly into the San José International Airport so why not go on a walking tour of downtown San José?

Here is the route I take friends on when visiting Costa Rica. Depending on how much you get into it this tour it could take several hours even a full day.

If you have a rental car parking is very cheap. I like the parking lot across the Omni shopping center so that is where I’ll start this tour. Make your way towards East of Calle 4, Avenida central near the Plaza de la Cultura where you will see a lot of people and pigeons hanging out along with the street preachers, comedians, and musicians all preforming live. Across the plaza is the famous Teatro Nacional. It opened it’s doors in 1894 and it is beautiful. Guided tours are available. Across from the theater is the Grand Hotel de Costa Rica. Which is the most famous hotel in Costa Rica. It used to be the most exclusive and luxurious hotel in Costa Rica. They have a nice outside cafe where you can have a coffee or a drink and a snack. Their sandwich de jamon (ham sandwich) is delicious. There is also a casino inside the hotel if you’re the gambling type.

Back towards the theater and down the grassy steps on Calle 5 is the tourist information center of the ICT. It’s open Monday-Sat 9-1, 2-5. From there you can enter the plaza’s underground exhibits including the Gold Museum which features pre-Colombian artifacts. Admission is $6 and it’s open daily 9:30-4:30.

The main road off the Plaza de la Cultura has been made into a pedestrian mall so you can walk freely since cars are not allowed. Keep an eye on your valuables and don’t wear jewelry that can be snatched by thieves. Here you will see many shops and restaurants vying for your attention on both sides of the streets.

Some good stops include La Casona which is off the pedestrian mall just look to the right off of the Calle Central and you will see it. It’s a two story building full of typical Costa Rican souvenirs. You can take care of all your gifts for friends and family right here. You will also see the Librieria Universal which is one of the oldest stores in Costa Rica. You can buy gadgets, maps, books, and more. You will also see Libreria Lehmann another great bookstore.

There you’ll notice a large monument to Costa Rica’s democracy which is a group of bronze campesinos standing humbly but firm looking up proudly. It’s out in front of a large building which is the Banco Central. Keep walking and you’ll pass La Gloria, Costa Rica’s largest department store. Across La Gloria is the Banco de Costa Rica a huge black marble building.

Make your way down towards the Mercado Central. The market is crowded full of shops, restaurants, produce stands and more. It covers the whole block of Avenida Central 1 and calles 6-8. This is a great place to take in the daily life of local Costa Ricans. You will also find some interesting food and meats on display. There are herbs sold for medicinal use with claims of curing ailments.

If you’re claustrophobic or don’t like crowds do not visit the market! Two blocks down is the historic Correo Central building. If you’re a stamp collector check out the second floor where they have a museum of the Costa Rican postal history with rare and old stamps on exhibit.

Head back towards the plaza de la cultura heading north passed the ICT offices and Gold Museum.

You will see a park in the middle of the city, which is the Parque Morazan. It’s near the Aurola Holiday Inn. At the center of the park is the Music Temple, patterned after Le Trianon in Paris.

Head 2-3 blocks north and you’ll run into the Parque Bolivar and the location of San José Zoo which is opened daily form 9-4:30. Admission is only around $2.00.

Heading east you will pass the Parque Espana which is full of plants and trees in the middle of the city. Keep going on Avenida 7 you will see la Casa Amarilla which is the home of ministry of foreign relations. It has a nice park in front. Both donated by Andre Carnegie. Near by is the Centro Nacional de Cultura open Tue-Sat 10-5. It houses a museum and theaters. Near by is the Museum of Contemporary Art and Design also open T-Sa 10-5. Admission is $3 and they have art and exhibits from all over the world.

Up the hill on Ave 7 is the Biblioteca Nacional which is the national library. It faces the largest city park, the Parque Nacional. Check out the Monumento Nacional which honors the battle again filibuster William Walker. The statue was made in France Rodin Studios and shipped to Costa Rica.

Across the street from the park you will see the statue honoring Costa Rican hero Juan Santamaria holding his torch and the Legislative Assembly which hoses the Costa Rican congress.

Two blocks south of the Parque Nacional is the Museo Nacional open Tue-Sunday 8:30-4:30. This a very popular tourist attraction. Admission is $4 and you get to tour the former Bellavista Fort. You can still see the bullet holes from the 1948 civial war. Excellent exhibits in Spanish and English.

Next stop after the museum is the Plaza de la democracia. You can see it from the museum. This is rather new built in 1989 to commemorate democracy. It features a statue of Jose Figueres hero of the 1948 civil war. Former president who abolished the army after the civil war. The plaza is full of tented market stalls selling everything from clothing, jewelry, to hammocks and crafts.

Places To Eat

There are several great spots to grab a quick bite, a cup of coffee, or a cold cerveza. For a nice cup of coffee and a delicious bagel-yes, bagel-Bagelmen’s is a must. Located on Avendia Central in Barrio California downtown.

Cafe de la posada on the pedestrian walkway south of the national museum. More local in nature. Good stuff.

Giacomin. Coffee and Italian style pasteries. Located near the Fischel pharmacy downtown.

Manolos which is right on the pedestrian mall. Excellent casados and delicious churros.

There is also a Pops downtown right around the corner of the Plaza de la Cultura right on the pedestrian mall. Best ice cream in town.

If need be you’ll find all the franchise stuff downtown like KFC, Pizza Hut, Burger King, Macdonald’s, Taco Bell, and Wendy’s. For a bit more Latin fare try Rosti-Pollos which is downtown right across Cine Vanidades.

There you have it. A great walking tour of downtown San José which hits all the great spots. So wear comfortable shoes and have fun!

A Couch Potato’s Guide to Poker on TV!

I love Poker. I love to play it. I love to read about it. I love to watch other people play it, especially on TV. It’s an inexpensive way to learn from the pros. You can see what they do in real-world situations, not just what they say they would do in their books. Watching Poker helps improve your game. You can learn pot odds, combinations, order of hands and many other basics as well as advanced, psychological strategy such as tells.

I watch a lot of Poker on TV. Yes, I do. Apparently, the networks are taking notice of the TV-viewing public. A lot of us are crazy for Poker. In this article, I’m going to discuss several, TV series that are still running now, that I highly recommend and regularly watch.

1) Celebrity Poker Showdown. This is on Bravo, usually on Thursday nights. Poker Pro Phil Gordon and comedian Dave Foley (Kids in The Hall, News Radio) are the moderators for this light, fluffy show featuring celebrities such as Alex Trebek, Ben Affleck, Rosie O’Donnell and Camryn Manheim. Some of the celebs are really very good. Of course, there is also that wonderfully evil moment when you can watch someone on the D-List or above sink on the river.

Phil gives expert commentary. There’s a short film each week in which the basics of No-Limit Texas Hold ‘Em and the betting rules are explained. It’s entertaining TV even for newbies, pros and the star-struck alike.

2) The World Series of Poker. ESPN is currently showing episodes of the 2005 WSOP. The other night, I saw Johnny Chan win his record 10th WSOP bracelet in the Pot Limit Hold ‘Em event. It was awesome. He beat out Phil ‘Unabomber’ Laak to take the lead against Doyle Brunson and Phil Hellmuth, who were both present during the match, for the all-time record bracelet wins. Hey, don’t feel too bad for Mr. Laak. His girlfriend, the beautiful Hollywood actress, Jennifer Tilly, won the Ladies’ Event at the WSOP this year.

A week or two prior to that, I got to see Josh Arieh, a very good player who doesn’t get too much airtime (yet), play – and win – the Omaha tourney. It was great to see Omaha Hold ‘Em played on TV for a change. I loved it.

Even if you’re not a poker junkie like I am, you can appreciate the epic nature of the World Series of Poker with its international field featuring the best of the best – and a few Cinderella stories thrown in for good measure.

3) World Poker Tour on the Travel Channel. Travel the world from your chair and watch pros play in the World Poker Tour. They play in exotic locales such as Aruba and Paris. Host Mike Sexton is so knowledgeable about the game that he makes up for his co-host Vince Van Patten’s shtick. The man tries to give nicknames to any hand combination possible. Some of his groaners include:

QQ – Siegfried & Roy or Paris & Nikki (Hilton)

55 – Sammy Hagar (after the song, ‘I Can’t Drive 55’)

Rounding out the commentator group is the lovely Shana Hiatt. She interviews the pros and showcases different aspects of the poker-playing lifestyle on each episode. The WPT hosts names like Phil Hellmuth, Daniel Negreanu, Doyle Brunson, Howard Lederer and more. It’s a veritable who’s who of Poker and it comes fresh and new into your home each week.

These aren’t the only Poker shows on TV. ESPN has a drama called TILT starring Michael Madsen (Reservoir Dogs) and Eddie Cibrian (Third Watch) which is a fictionalized version of a poker pro’s dirty and dangerous life.

E! Entertainment Network, beginning on St. Patty’s Day 2005, aired several episodes of E!’s Hollywood Hold ‘Em Game. Laura Prepon, of That 70s Show, produced the show and starred in one of the episodes with her live-in love Chris Masterson (Malcolm in the Middle) and some friends, including Chris’ brother and That 70’s show star, Danny Masterson (Hyde). Other episodes had Mila Kunis (Family Guy, That 70s Show), Macauley Culkin – yes, that Macauley Culkin. He’s Mila’s beau – and Shannon Elizabeth. I haven’t seen it on recently; but, I desperately hope that it comes back. It was pretty good poker and Phil Laak was the dealer/mentor/host.

The Game Show Network has Poker Royale. This is a 6-person tournament that runs for several weeks. There are several elimination rounds, then a finale. The first had all pros. It was men vs. women. The men won each individual match; but, the ladies, led by Kathy Liebert, Jennifer Harmon and Cyndy Violette took the final – and decisive match. The second installment had Celebrities vs. Poker Pros. I found it to be a watered-down version of Celebrity Poker Showdown. I missed Phil Gordon and Dave Foley, gotta admit. The third installment, which is currently airing, is the Comedians vs. Poker Pros. I didn’t find this one too fun or funny; but, I’ve had other things to do lately.

Actually, I dropped watching that because the Fall Season picked up; and, well, I’d rather watch the Poker Superstars Invitational on FSN! This is awesome. It’s a turbo tourney – the blinds go up really quick and the play is fast – featuring Johnny Chan, Carlos Mortensen and other luminaries. It’s action-packed, high-stakes poker that goes by in the blink of eye.

If you can’t find a good online or home game, why not sit down and watch one on TV? Chances are – there’s one on the television right now. Go. Watch!

Fantasy Football – A Lesson In Monetizing Anything

Attention entrepreneurial spirits – the following would have seemed as fictional as Star Wars to our grandfathers, not to mention Vince Lombardi. However, it’s all true and there’s a valuable lesson in this – you can monetize anything!

Congratulations to the NFL. They’ve found a way to keep a huge fan base despite the myriad off the field issues they seem to shrug off weekly. The referee strike of 2012 and the inept replacements? Forget it – that didn’t even register on the NFL fan’s “List of Things to Care About. ” How could it? This is a league that has recently seen popular players either indicted or found guilty of domestic violence, rape, child abuse, and murder. Nice guys, huh? In short, there is NOTHING that would keep us from tuning in each Thursday, Sunday, and Monday (in my lifetime, I am sure there will be a game on every night of the week). TV ratings suggest this monster really IS too big to fail.

So why do we do it? It’s not because we care about who wins or loses the actual game. Some of us do, but we’re now in the minority. No, the wins and losses are not even the second reason. Sports gambling, though illegal in most states, WAS what kept the NFL atop the list for sports fans. People gamble nearly $10 billion on the Super Bowl alone. Imagine what a full season brings in. The joke used to be something like “Daddy’s favorite team is the Dolphins and he wants them to win by less than 4 points.” However, because gambling has such a negative connotation in society, people don’t talk about it much, and certainly not when they lose.

The thing that will help the NFL remain the king of the hill indefinitely turns out to be the photo negative of gambling. It’s Fantasy Football, and it’s nearly reached the point where we can remove the word “Fantasy” from the name. It’s quite real, and it’s here to stay. Gambling is illegal because it’s considered a “game of chance.” Wagering on Fantasy Football is legal because it is considered a “game of skill” (don’t ask me who decides these things, but it’s true). Gambling is ugly because it can ruin people’s lives when they lose. Fantasy Football is innocent and fun, even though the same amount of money is spent on participating, and yes, half of it is lost. With gambling, there is only money. With Fantasy Football, there is money, but also funny team names, trophies, and bragging rights. It’s market norms versus social norms, once again. Unless you live in one of the few states where gambling is legal, it takes connections to people with connections to partake. Participating in Fantasy Football only requires an internet connection and as little as a $1 investment.

Fantasy Football’s roots can be traced back to the 1960’s, but that was a different world. It wasn’t until the last 10 years, thanks entirely to the internet, that it took flight and became a craze… and a SERIOUS business. About 40 million Americans are playing some form of Fantasy Football this year, and they are spending approximately $2 billion to do so, but that’s just the beginning. When you consider the entire industry, the empire that is Fantasy Football is estimated to be worth more than $50 billion! And it’s going to continue to grow. Everybody’s doin’ it. I play, my friends play. Heck, even NFL players play! Just this week, one NFL player tweeted “I’m probably going to lose my fantasy football matchup this week cause (Adrian Peterson) can’t play Sunday for disciplining his child… ” Really.

While you won’t hear announcers talk about point spreads, they frequently refer to Fantasy statistics. The crawl at the bottom of the TV screen is now devoted to the new national pastime. As big as the NFL has become, it recognizes that it NEEDS the Fantasy Football element to keep its brand healthy, so they go out of their way to promote it. There are magazines, books, radio shows, and TV shows devoted to it and there is even a TV series based on a group of friends tied together by their Fantasy Football league. Only in America!

On-line Fantasy Football sites are raking in money, capitalizing on the popularity of this “game of skill.” One of the most popular sites boasts that it pays out more than $10 million per week. Considering they are cleverly charging 10% on every dollar to facilitate the thousands of contests among strangers, it’s easy to calculate how a company like this can quickly become worth millions almost overnight. And it’s not just NFL football. Most of these sites provide the forum for “Fantasy” baseball, hockey, basketball, golf, and the major college sports.

The lesson in all of this is simple – If you build the site, they will come, and they will come with dollars to spend. Find the product that people are crazy about and make it available to them on-line, in any form you can. If you don’t have the product itself, write a book about it. If you don’t want to write a book, write an article and sell it. Position yourself as an “expert” (whoever questions that anyway), and you’ll command a price.

Now, if you’ll excuse me. It’s nearly game time and I need to root for my kicker’s offense to move the ball down the field to the 30 and then get stopped. Strange thing, this Fantasy Football.