Kerala Jackpot

Lottery is a form of gambling. Kerala State Lottery was started in the year 1967. The initiative was taken by the then State Finance Minister Sri. P.K. Kunhu. During that period Kerala was suffering from acute unemployment. The number of unemployed youth at the beginning of the third five year plan was above 1.3 million1. The shift from agriculture to industrial and commercial activities, the craze for white collar jobs, the growth of service sector, insufficient increase in non tax revenue such as interest, dividend and profit, increased public expenditure etc. were the factors that led the finance minister to think of a supplementary source of income for the state.

Thus lottery was introduced mainly for reducing unemployment and to a certain extent for supporting the state revenue. Lotteries were conducted by private agencies at that time. Later private lotteries were banned. Today, only the state government conducts lottery. Rules and regulations for conducting lotteries have been framed and lotteries have become a common affair now. At present it gives employment to more than 3 lakh people and contributes, more than Rs. 10 crores a year to the state government by way of profit. Income tax deducted from the prize amount also comes to crores of rupees. Above all, large amount is lying with the state government as undistributed prize.

Started as a monthly programme Kerala State lottery is currently having on an average 5 draws a week. The first prize distributed in a draw has increased from Rs. 50000 to Rs. 1 crore and even more. Total sale of tickets has also increased from Rs.75 lakhs to Rs.125 crores a year. Thus it is felt that the lotteries play a significant role in the life of Kerala people.

But research scholars, academicians and policy makers have not attempted much on the subject. This research gap motivated the scholar to choose this topic. Research problem can be rigorously identified and conceptualised only after a detailed literature review.
A survey among 300 samples were made from the different regions – southern central and northern. The districts of Thiruvananthapuram, Thrissur and Kannur were selected at random for the purpose and 100 samples from each district were selected and studied to analyze the motives behind buying tickets and the extent of faith the public has in the Kerala State Lottery. A survey among 90 respondents was made from winners of large prize amounts to analyze the pattern of utilization of prize money.

A survey among 150 samples was also made from the sellers of tickets to analyze the income earned by them from this activity. The sample sizes were kept low because of the difficulties in getting the relevant group. The Director of Kerala State Lotteries, a few district lottery officers, a few very large and very small sellers of tickets, the President of Kerala Lottery Agents Association (KLAA) etc. were also contacted and interviewed for their opinions and attitudes about the Kerala State Lottery. Collected data were analysed using appropriate and relevant techniques.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Free Browser Games – New Browser Games

Facebook Games – List of all social games on Facebook network | Free Browser Games – New Browser Games

Restaurant City is a 2D social restaurant management game that allows players to start and run their own restaurant from the ground up. Re-arrange and design your new restaurant with a variety of decorations. Hire a complete staff made up of friends, set the daily menu, gather ingredients, and keep the customers happy. Although comparable to other games like Café World and Pet Society where players can cook up savory meals in Restaurant City it’s all about the ingredients. Players buy, earn, trade, and even grow necessary recipe ingredients to create meals. Work with or compete against neighbors for the position of the top restaurant on the block.

Starting Your Own Restaurant, the Gameplay

In Restaurant City players are in charge of their own fully functioning restaurant. Each player starts out small with several tables, chairs, and stoves. Before the game can begin users have to hire some of their Facebook friends to work for them. A quick click on their avatar and then desired job will accomplish this task. Once all of the waiters, chefs, and janitors have been assigned players are ready for business. Restaurant City has a helpful Open Hours feature that allows players to choose opening and closing hours to fit into their playing schedule. This option prevents users from having to rush and log back in simply to check on their restaurant. There are various shifts available for managers to choose from. Each shift has a coin fee. Shorter shifts earn more profits since they’re cheaper. Players can schedule their employees to work any length of time from 30 minutes to 24 hours. Employees complete tasks automatically following their assigned duties. Janitors clean up spills, waiters serve meals, and chefs stay busy behind the stoves cooking. Players take on more of a managerial role so the gameplay is fairly slow paced. Coins and XP are earned through leveling dishes, serving customers, and visiting neighbors. Players spend most of their time using strategy to boost their rank, collecting necessary ingredients, and decorating. Each restaurant has a popularity number. The more satisfied customers the higher the rating will go up. Users have to figure out how to balance the staff in a way that will serve all of the incoming customers in a timely manner. Customers who have to wait too long will walk out and decrease the restaurant’s popularity rating.

The Ingredient Hunt

Restaurant City has a very diverse menu. It’s divided into four categories consisting of a starter, main, dessert, and drink. Players can serve customers Tuna Steak with Vegetables, Russian Cappuccino, Lobster, Hamburger and Fries, Pink Lemonade, Mango Pudding, Pork and Apple Chops, Chocolate Cake, Beef Enchilada, or Strawberry Milkshake. In order to cook a variety of meals, ingredients are needed. The ingredient market is limited and very expensive. There are only three items are on sale per day for coins. The rest of the ingredients require Playfish Cash to purchase. If a player doesn’t want to spend real money for common items like water, ice, bread, butter, flour, sugar, cheese, and eggs than they have to rely on their neighbors and other methods to obtain them. Players can receive ingredients daily for free by logging in and correctly be answering the Food Quiz. The questions often vary from real life cooking techniques to food trivia. It’s quite challenging. This is a unique feature in the game that educates players in a fun way. In Restaurant City an option to a garden is available similar to the game Pet Society. Players can grow their own fresh ingredients. The garden lot expands as a user levels up. Although it’s a nice touch there is no choice in the type of seeds that you can plant. A mysterious bag of unmarked seeds will produce random spices, vegetables, or fruit when ripe. New dishes can be learned and leveled up to increase XP when all the required ingredients have been collected. Neighbors can assist in the hunt for ingredients as well.

Checking Out the Competition

In Restaurant City friendly competition and friendship work hand in hand. Players can visit their friends’ restaurants to help out or take a trip to a random street to see how other restaurant moguls businesses are operating. Visiting neighbors can earn coins, XP, and a free ingredient. Remove trash from their floor like spilled soda cans, discarded pizza slices, and banana peels by clicking on them. Sometimes their restaurant may have a nasty leak, a blazing fire, a penguin invasion, a sleeping bear scaring away customers, or giant mushrooms in the garden that requires immediate attention. The first time a player visits a new neighbor they earn one free ingredient. This makes neighbors an essential part of gameplay. Users must rely on friends to earn a significant amount of XP to level up and to receive ingredients which can be tedious at times. Players can also trade ingredients with each other by clicking the Ingredient Trade icon. For some players who do not like to depend on their friends to advance in games constantly joining neighbor adds lists and bargaining for ingredients can be exhausting. All neighboring restaurants on the street are ranked in order by popularity. This system lets players know exactly how their restaurant measures up when compared to their buddies. Restaurant City takes full advantage of its multiplayer aspects allowing users to travel to random streets with players who are not neighbors and rate their restaurants.

Everything but the Kitchen Sink

The customization in Restaurant City is exceptional. Everything can be personalized from a player’s avatar to the minuscule details in the building’s exterior. Users have the option of keeping their avatar basic or personalizing it. Give your avatar a rock star Mohawk, a Princess Leila hairdo, villain attire, or cool shades. The game has dozens of various themes to choose from including a Roadside Diner, Saloon, Moroccan, Medieval, Eastern, Chinese, Japanese, Mexican, Psychedelic 60s, and Victorian style. There are also some fun unexpected designs like the UFO, Zombie, Ghost, Anime, and Princess available. It’s possible for players to create any kind of restaurant they want. The necessary basics like chairs, tables, stoves, toilets, and even drink dispensers come in an assortment of customized styles. Depending on the theme or desired look users have hundreds of items that they can add to renovate their restaurant. Click and drag new patterned tile floors, colored wallpaper, arcade machines, dividers, walls, aquariums, stereos, and arcade machines. The outside of the restaurant can be redesigned also. Change the building size from a small size to a behemoth building base. Attach various roofs or use decorations like a roving spotlight, balloons, lanterns, flags, flowers, canopy, menu signs, bouncer, benches, robot chef, and a magical unicorn. A very cool feature in Restaurant City is the music player that can be customized as well. Users can change the default elevator melody that plays over and over again to a catchier tune. Choose from the classic Pineapple Overture, upbeat My Irish Heart, Asian-inspired Delicate Spring, Latin Fiesta Brothers, or the cool mellow Lounge Lizard Slide.

Final Verdict: Great

Players participate in a competitive world overcrowded with restaurants all vying for top rank. In Restaurant City users have endless possibilities for customization. There are also some very cool features that keep the game entertaining. Explore the virtual streets in search for ingredients, listen to the music player while menu planning, message friends, or test your knowledge as a foodie in one their quizzes. It goes beyond other similar games like Cafe World or Pet Society by adding more social multiplayer options like the ingredient neighbor trade system. The slower paced gameplay with the Open Hours setting for scheduling play makes it perfect for busy gamers.

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