Winning a multi-million-dollar lottery is rare enough, but you have to be extremely lucky to take home a billion-dollar prize, because there have only been a handful of those jackpots in all of history.

U.S. lottery jackpots typically go much higher than Canadian ones, and can top hundreds of millions of dollars if they go several draws without a winner.

But a billion-dollar prize? That doesn't happen often.

In fact, the recent Mega Millions prize is only the fourth billion-dollar jackpot ever.

Still, there are a few lucky individuals — and groups — who can say they won one of the biggest jackpots in the history of Mega Millions and the Powerball.

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Here are the six largest lottery prizes ever:

#1: $1.586 Billion Powerball:
The world's largest-ever sum won in a lottery was worth over $1.5 billion and was split between three different winners.

On January 13, 2016, three California, Florida and Tennessee residents became the winners of the gigantic sum; best of all, they got to keep all the money.

Florida and Tennessee don't have a state income tax, while California doesn't deduct taxes from lottery winnings on tickets bought in-state, reported AP.

#2: $1.537 Billion Mega Millions:
On October 23, 2018, one lucky resident from South Carolina became the winner of the world's largest lottery jackpot in history to be won by a single ticket.

To say he was lucky is an understatement.

The winner, who decided to remain anonymous, actually let someone ahead of them in line to purchase a Mega Millions ticket, scoring themselves the winning ticket.

The commission's executive director, Hogan Brown, said in a statement that the winner "marvels at how every decision made that day brought the winner to the store, at that very moment."

"A simple act of kindness led to an amazing outcome."

#3: $1.337 Billion Mega Millions:
On Friday 29 July, a lucky ticket-holder in Illinois became a billionaire overnight after hitting the third-largest jackpot in U.S. history, worth $1.337 billion.

The person’s identity was not revealed, but Mega Millions said there was only one winning ticket.

It was the second-highest jackpot ever awarded in Mega Millions history.

#4: $1.05 Billion Mega Millions:
A four-member Detroit lottery club won the third-highest lottery jackpot amount of $1.05 billion on January 22, 2021.

After a tax reduction, the winners took home an immediate lump sum of $557 million.

An attorney for the club came out with a statement on behalf of the winners saying, "This kind of money will impact the families of our club members for generations to come. We plan to stay humble and pay it forward through charitable giving in southeast Michigan."

Starting a real estate investment business can be a great way to grow your wealth. However, it’s important to have a well-thought-out plan in place before you get started. In this article, we will discuss the steps you need to take to create a successful real estate investment business plan. We’ll talk about setting short-term and long-term goals, as well as how to financially plan for growing your real estate portfolio.

WHY CREATE A REAL ESTATE INVESTMENT PLAN?

There are a few key reasons why you should create a real estate investment plan:

1. To set short-term and long-term goals for your business

Without having clear goals in place, you may be prone to making impulsive or impractical decisions as you begin your investment journey. Use your goals as a barometer.

2. To figure out how much money you need to save up for your investments

Creating a business plan means getting crystal clear on what out-of-pocket expenses to expect as you grow your portfolio.

3. To develop strategies for finding good deals and growing your portfolio

Your business plan should have a clear and repeatable strategy you can use to source, acquire, and manage your investments.

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Now that we know why a plan is so important, here are the 10 steps you need to follow in order to create a real estate investment business plan.

1. STEP 1: DEFINE YOUR SHORT-TERM GOALS
2. STEP 2: DEFINE YOUR LONG-TERM GOALS
3. STEP 3: ASSESS YOUR CURRENT FINANCIAL SITUATION
4. STEP 4: CREATE A SOLID FINANCIAL PLAN
5. STEP 5: RESEARCH THE MARKET
6. STEP 6: CHOOSE YOUR INVESTMENT STRATEGY

NOW IT’S TIME TO CREATE YOUR BUSINESS PLAN

Even if you’re not raising funds or seeking outside investment, it’s always a good idea to have a business plan in place. This will help you stay organized and keep track of your progress over time. It can also be helpful when applying for loans or other financing.

Now that you know your goals and what you need to do to achieve them, it’s time to put together a real estate investment business plan. This will act as your roadmap for growing your portfolio and achieving success in real estate investing.

CONCLUSION

Real estate investing can be a great way to build wealth and create financial security for you and your family. But like any business, it takes planning, hard work, and dedication to succeed.

By following the steps outlined in this article, you can create a real estate investment business plan that will help you reach your goals. Stay focused on your goals, do your research, and take action to make your dreams a reality!

So what are you waiting for? Start planning today and see how real estate investing can change your life.

A bookmaker is a person who accepts bets on a variety of different competitions or unpredictable outcomes, though usually sporting events. He or she will typically set the odds or rates for how a bet will pay out if successful, and typically uses points spreads in an effort to offset the potential loss he or she may take from bets made. This work usually involves a high understanding of the various factors that can go into a sporting event and knowledge of the various teams and what is happening with each. A bookmaker may be able to work legally in some areas, while other areas may outlaw bookmaking or relegate such work to government agencies.

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Also called a bookie, a bookmaker will typically establish the odds involved with a sporting event or similar situation on which he or she will take bets. In general, he or she will actually take bets and accept money as well as pay out money to winners, though this may depend on the organization being run. Some bookmakers may work in areas where such gambling is illegal, but still make predictions and set odds for winning or losing simply out of enjoyment of the practice. In some areas, a bookmaker may even set odds and take bets on a number of non-sporting events, such as the outcome of a political election.

A bookmaker will typically make money on events not based on who wins or loses, but simply by virtue of the bets being placed. By setting odds in the right way, a bookmaker can still make a profit even with a high payout due to the total number of bets placed. This practice is usually what will set apart bookmakers who are profitable from those who are unable to continue to operate. Many bookmakers also utilize a “points spread” system to better offset potential losses. This type of system establishes a margin by which a team must win in order to payout to someone betting on that team.

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The legality of what a bookmaker does typically depends on the country in which he or she is living and working. In the US, for example, bookmaking is typically illegal and can only be done legally in the state of Nevada. Other countries, such as Canada, Sweden, and Japan, have legalized the practice but such operations are controlled and operated by the government. In the UK, on the other hand, the legality of bookmaking has often gone back and forth, though it has become legal and now contributes to the national economy.

Welcome to Rae Podcast. In this episodes I want to talk 10 essential tips qrrange furniture for beginners

Let's get start!

1. Take measurements

Measure the room, making note of the length and width of the space from wall to wall. It’s important to know the size of the space you are working with in order to pick appropriately-sized pieces.

2. Pick a focal point

Is there a certain decorative art piece or an element of the room that you’d like to highlight in the space you’re designing like a window, mantle, media center, or fireplace? Once you’ve decided what the focus of the space is, you can arrange the furniture around it.

3. Create conversation areas

This is especially important for living and family rooms, where the way you arrange your furniture will decide how you’ll live in it. Orient the seating to face the focal point of the room. Sofas and chairs should face each other and be no more than 8 feet apart.

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4. Arrange tables and storage cabinets so they are accessible

After you’ve decided on the focal point and set up the seating area, place the tables and storage cabinets. While you’re arranging these pieces, keep in mind what they’re used for.

5. Think about visual balance

When it comes to any type of interior design, balance is an important aspect. Size and placement of certain pieces will be the most important part of achieving a uniform layout. Avoid clustering all of the large furniture pieces together and be sure to vary shapes, sizes, and textures of furniture in the room to keep it balanced.

6. Consider traffic flow

You’ll want to ensure that the space you design is as functional as it is impressive. Allow at least 30 inches between furniture pieces so that guests can easily move around them. In smaller spaces, consider nesting tables or furniture that fold up to create extra space while not in use.

7. Choose your area rug wisely

An area rug is great for anchoring your furniture and adding some extra texture to a space. It’s important that you select a rug that is the right size so that it doesn’t throw off the scale of your furniture.

8. Use the right sized wall art

Art can tie a room together in bold and exciting ways. One trick to make any room seem larger is to use the right size wall art for the space. Any artwork that is hung should be approximately two thirds the length of the largest furniture piece.

9. Add lighting elements

Make sure that your space has lighting with both practical and aesthetic value. While windows will make for a great source of natural light, using a mix of both overhead, floor and table lamps will assure a well-lit room.

10. Incorporate your personal style

This is the last rule, but likely the most important. No matter what space you are designing, make a point to incorporate your personal style. Before you start out, specify the look you want to achieve. 

When we think of CCTV cameras, the first image that likely comes to mind is some kind of an office or a corporate setup, which has a high footfall of people. You might also think of a government or administrative offices, which have CCTV installations to not only monitor those who come and go but also play a role in internal surveillance. We can all agree that CCTV cameras are meant to keep an eye to protect what is precious, but we often overlook that our most precious intangible asset is the safety of our family and loved ones at home, isn’t it? After all, even a home is susceptible to many risks, some of which can far outweigh the commonly known commercial risks. This is probably a realization that many share today, which is why domestic CCTV installations in Hai Phong are rising by the month.

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Having these tiny security cameras around your home can not only allow you to monitor what is happening in your home when you are away, but can also help protect your family and loved ones. Here are our 4 top reasons why you should get CCTV installations done at your residence:

1. The power to monitor your home from anywhere

Whether you want to monitor the perimeter of your home, or keep an eye on your kids or pets while you are away, getting CCTV installations done at strategic points in your Hai Phong home can allow you to do that at will. You could always check the camera footage on your device whenever you wish to, in case you hear an unusual sound.

2. Discourage burglars and robbers

CCTV cameras can work as a strong deterrent for burglars and robbers, as they know that they will be captured on camera. This will make your home a lot less susceptible to break-ins, as compared with homes that do not have a CCTV system installed, and provide more security for your family and valuable assets. All that would be needed is to plan their installation strategically, covering all the main entry and exit points, as well as some lesser visible areas on your premises.

3. Records everything that happens in and around your home

In the event of an unfortunate event or a break-in in your house or around, the CCTV camera footage can provide precious footage to help understand what happened, and also identify criminals or trespassers onto the property. This footage can also serve as reliable evidence in a court of law, and can bring criminals to justice.

4. Long term safety investment

CCTV camera installations can be looked at as a one-time but long-term safety investment. They require very little maintenance, and only need the occasional wipe and clean. Once you install, you can rest assured about the long term safety monitoring of your home and family. An added advantage of having CCTV installations in Hai Phong is the fact that it can help you lower your insurance premiums, as your home will be perceived as more secure.

1. How big is your room and what is in there?

Not all air conditioners will work effectively in every room, so it is important to find the right one to match the size of your room. It is also important to think about what the room is used for and how many devices or appliances there are that create extra heat. Also bear in mind that rooms such as a conservatory would require more powerful air conditioning than a room of the same size with small windows.

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2. How powerful should the unit be?

The amount of power an air conditioner has is given in BTU, or British Thermal Unit rating. This rating gives you an idea of how much cooling the machine is capable of.

A BTU is the amount of heat needed to raise the temperature of one pound of water by 1°F. When it comes to air conditioning, this measurement means the higher the BTU rating, the bigger the room it can cool. This also means that the higher the BTU, the more it will cost to run.

3. What type of air conditioner do you need?

Air conditioners come in three forms: portable units, wall split units and ceiling cassette style units. They each suit different needs and situations but ultimately deliver the same results.

Portable Units

Portable units are perfect for the home or any environment where versatility is key. They can easily be moved from room to room and between floors. Powerful enough to cool all room sizes without the stress of professional installation. Simply plug it in, vent and feel the benefits.

Wall split

These units require professional installation but do free up floor space. They are quieter than portable units and are mounted on walls with an external unit that removes the heat and any condensation from the room. As well as cooling, these units are also able to heat rooms more efficiently than central heating.

Ceiling Cassette

Similar to wall split units, these require professional installation but instead of being mounted on your wall they are fitted into your ceiling. Similarly to wall split air conditioners, a ceiling cassette unit has an external unit to remove the heat and can also be used to heat rooms more efficiently than central heating.

4. What features should you look for?

Air conditioners include a wide range of features so it is important to know which to look out for that would benefit you the most.

5. How much does Air Conditioning cost?

Everyone has a budget and different needs when it comes to buying an air conditioning unit. The cost of air conditioning varies between different requirements and efficiencies.

Ranging from as little as £200 for a portable unit and increasing in price depending on how powerful you need the unit to be, you’re sure to find one in your budget.

6. Are you able to vent an air conditioner?

All portable air conditioners need to be vented, ideally through a window or a wall but theventing hose can be placed through a slightly open door into another room or corridor. If you are unable to vent an air conditioner you will want to consider other options such as split units (wall or ceiling) or evaporative air coolers which are a great lower priced alternative to air conditioners.

Playing with toys may be a lot of fun for kids. It's crucial to remember that safety should always come first. Toys cause injuries to thousands of youngsters every year.

Learn what to check for when purchasing toys and how a few basic guidelines for safe usage may often avoid injuries by listening to this article. Additionally, keep an eye out for little things that kids could be enticed to put in their mouths, noses, or ears, such as button or lithium coin batteries, strong magnets, or other small objects.

Protecting kids from toy injuries

The majority of toy-related injuries are small cuts, scratches, and bruises. Toys, however, have the potential to be fatal or severely injured. When toys are inappropriately or dangerously utilized, this occurs.

Best List of Child-Safe Toys

1. Stand-up Car
2. Scooter
3. Balance Bike
4. Cart
5. Patin Shoes
6. Protective Accessories
7. Helmet
8. Protect Hands And Feet
9. Vehicle Mounting Accessories
10. Brain Teaser
11. Educational Toys
12. Outdoor Sports Toys
13. Wooden Toys
14. Bathroom Toys
15. Remote Control Car
16. Fashion Accessories
17. Baby Stroller

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Be wary with toys that have little batteries or loose magnets.

Be cautious when purchasing toys that use strong magnets or tiny batteries (button or lithium coins). Younger kids could be enticed to put them in their mouths, noses, or ears if they become loose, which can result in catastrophic injury. ​

Choosing the appropriate toys for a child's age

Toy age guidelines are crucial since they enable you to:

Safety of the toy (if there are any possible choking hazards, for example)

Whether or not your kid will be able to comprehend how to use the item

Whether the item will be appropriate for them given their requirements and interests at this point of development.

Important details about recalled toys

Protecting families and consumers from harmful toys is one of the objectives of the Consumer Product Safety Commission (CPSC). It establishes regulations and standards to guarantee product safety and conducts product recalls when a problem is discovered. Toys are recalled for a variety of reasons, such as harmful lead levels, choking or fire risks, or other issues that render them risky. Recalled toys need to be taken out straight away. Ask your kid's doctor about testing for high blood lead levels if you believe your child has come into contact with a toy that contains lead.

Even though you’re looking for cheap freight shipping, you still want your shipment to arrive safely and in one piece! Here’s how to do so affordably.

Wouldn’t it be nice if all packages could be shipped through the standard post service?

As a business owner, you’ve probably come across your fair share of oversized or heavy items — and you know that shipping them can definitely be more complicated than shipping standard packages.

Even though you’re looking for cheap freight shipping, you still want your shipment to arrive safely and in one piece!

In this article, we’ll discuss freight shipping and how you can do so affordably and safely.

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What’s considered freight shipping?

How do you understand what freight shipping is? Well, let’s first explain what freight is.

Freight are goods that are too large or heavy to ship through the traditional mail. Freight shipments are usually transported in bulk by truck, train, ship, or aircraft.

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What affects freight shipping prices?

There’s so much more to shipping than just the weight of the freight. Understanding freight shipping prices can be a huge stumbling block for many business owners. Don’t get bogged down overthinking it, though. Here are some factors you’ll need to consider:

What is freight class and how does it affect shipping cost?

Does freight pricing sound complicated? Don’t worry; there are controls, such as freight classification, to help.

Freight classification gives you and your carrier a standardized and uniform pricing structure for freight shipping. It also simplifies many elements of the shipping process for different types of cargo.

How to determine your freight class

Your given freight class is based on three factors; density and stowability, ease of handling, and liability.

Density and stowability: How easy your freight is to stow due to its size and weight.
Ease of handling: What kind of care your cargo needs when it’s in transport.
Liability: The value of the items you send and how risky they are to transport. (Sending clothing will be safer than carbonated drinks)
So, how difficult or easy your item is to ship is what determines its weight class.

The cheapest way to ship large packages

Have you calculated how much it’ll cost to ship your freight — and it’s making you wince? Don’t worry.

Below are some of the cheapest ways to ship large packages.

Compare rates with freight brokers

A freight broker is an individual or company that acts as your intermediary between customers who have goods to transport and authorized shipping carriers.

In fact, they’re responsible for facilitating most of the goods transported in North America. (Since most freight shippers don’t have contracts with shipping companies.)

Cheap freight shipping with FedEx, UPS, and DHL

One of the cheapest ways to send large packages is through freight shipping services. But it’s also a good idea to check and compare prices with USPS, FedEx, and DHL.

You may get a lower price depending on the weight and class of your products. Or take advantage of faster services.

Packing up your life and moving down the street or across the country doesn’t have to be disastrous. Learn how to pack boxes for moving, and you’ll be relaxing in your new space before you know it.

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1. Get rid of everything

Packing all your possessions into boxes, bags, and more can be overwhelming. Make it a little bit easier on yourself by cutting back on clutter as much as possible. Before you pack a single box, do a merciless purge of unused or unnecessary items.

2. Make a moving folder

Start collecting new addresses, rental or purchase papers, moving contracts, and more in one folder. (Consider a hard copy, rather than a digital one, in case computer or phone batteries die during the move.)

3. Pack as far in advance as possible

Ideally, you'll know about a move (even if you're not sure of the final destination) weeks or even months in advance. Start by packing off-season items and the items you won't miss. If you're moving in summer, you can pack winter coats in advance—and likely books and other once-in-a-while items.

4. Book early

If you're hiring moving services, renting supplies, or hiring professionals such as painters or cleaners to work on the house, book early. Waiting to do so could mean paying a higher price, or not being able to get a truck or movers at all, particularly if it's peak moving season.

5. Schedule utilities for your new place

Once the dates are finalized, contact your utility providers to schedule service at your new home. You don't want to arrive there, tired from the move, only to find that the electricity, water, or heat is off. Schedule it ahead of time, and keep records of your requests in your moving folder. At the same time, request service stops for your move-out date at your current home.

6. Keep the essentials with you

On the night before the move, tuck everyday essentials—a change of clothes, a toothbrush, must-have stuffed animals or toys for the kids, medications, paperwork, etc.—into a suitcase or bag you'll keep with you in the car, the truck cab, or on the plane. If catastrophe strikes and the moving truck gets lost, at least you'll have some essentials with you.

7. Invest in Equipment

A few days before the big move, stock up on supplies. The last thing you want is to have to make a run to the store while you're packing moving boxes or making sure everything is out of the house. Order or purchase box cutters, adhesive bandages, permanent markers, packing tape, paper towels, and garbage bags. (If they aren't all used during the move, they'll still be useful afterward!)

8. Get a truck with a loading ramp

If you're a DIY mover, you absolutely need a truck with a ramp. It may be cheaper to rent a truck without one, but the hassle (and struggle) of lifting every box and piece of furniture high enough to get it into the truck will add hours—plus sore muscles—to your move.

Being organized and preparing to move requires time and patience when packing all your belongings. To help you get started, read on for tips on packing up your home so you can get it down without being overwhelmed by the process.

How and Where to Start Packing up Your Home

Moving is stressful and so overwhelming, and part of the stress has to do with packing up the entire house. At first, it may seem impossible. But with helpful tips and suggestions, packing is a breeze. Just make sure you're organized and know what you need to do before you even pack the first box.

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Make a Packing Supply List

When you move or relocate, to ensure your household goods arrive at your new destination without a scratch, start with a good packing list so you purchase the right packing and moving supplies.

All About Moving Boxes

Moving boxes are generally the same weight and quality as ordinary shipping boxes, unless you purchase some made from thicker cardboard that allows for heavier packing.

Can I Pack With Used Boxes?

With most of us pinching our pennies right now, finding ways to save on moving costs not only helps keep money in our wallets​ but can also help the planet by reusing packing materials and reducing waste.

What Not to Pack and Move

Before you pack, find out what you shouldn't pack or at least what you should be careful when packing.There are some things that need special handling, items that moving companies will not move if they are not properly prepared.

How to Get Rid of Stuff You Don't Need to Move

The upside of moving is that it forces you to make a clean sweep of the house, getting rid of items that you no longer use or need. The first place to start is to determine what to sell, either online or by hosting a garage sale, and what to give away.

What's an Essentials Box & How to Pack One

Before moving or relocating, everyone should prepare an essentials box, a box full of items you'll need for your last few nights before you move and the first few nights in your new home.

Quick and Easy Packing Tips

If you only have time for one packing guide, this is the one to read as it provides tips that you may not have thought of before. So use it to make your packing quick and easy.

Packing Tips From the Professionals

When you're packing for a move, you might want to ask yourself if you should pack it yourself or hire professionals to do it for you. In many of our moves we've never used professionals to pack our things; for me, it's always about saving money.

10 Things You May Forget to Pack or Do

Over the years and the many moves, we always think we have moving down to a very fine science; however, usually in the midst of the moving chaos, we forget something and swear that we'll add it to a growing list of "forgotten items" for the next time we move.

How to Pack and Move the House Room by Room

This is the ultimate guide to packing and moving your home. With step by step instructions, along with packing tips, you won't need anything else except for packing supplies and time. We provide the motivation.