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.

The Brilliance of “Design Your Own” Engagement Rings

There are few moments in life more exciting or more beautiful than that moment when two people decide to spend the rest their lives together. And when you design your own engagement rings as a keepsake token of that special moment, you’re creating a memory that will last a lifetime.

Designing your own engagement rings is a whole lot easier than you might initially think. In today’s world, many people are looking for more creative ways to express their love and devotion to another and, even though an engagement ring is certainly a very traditional token of this intent, when you design it yourself it adds a certain sentimental twist to the gesture. Not only that, but designing your own engagement ring is a good way to ensure uniqueness, as well as a good fit with her personal style. Now, you might be thinking, but I’m not a jeweler! I can’t design custom jewelry! But here’s the good news…you don’t have to have a high level of expertise or even fashion sense to design great diamond rings. You simply have to be able to choose and put together the elements you like from a selection of loose diamonds and ring settings. Here’s how the process of designing your own engagement rings works:

Step 1: Choose a Diamond
You will be presented with an array of loose diamonds from which to choose for your solitaire. Loose diamonds come in all shapes and sizes, and your search will be made infinitely easier if you take a moment to filter your diamond criteria by cut, carat, color and clarity. If you like, you can also filter your diamond search results by price, ensuring that you are only seeing the loose diamonds that fit into your specified budget.

Step 2: Choose a Setting
You’ve found the perfect diamond solitaire. Now, it’s time to choose a setting. Yellow gold, white gold and platinum are typical metal choices for the settings on diamond rings. Beyond that, a four- or six-prong arrangement will be recommended for securing the stone itself. And just like that, you’re almost done. Almost…

Step 3: Making it Your Own with Diamond Accents
That’s all it takes to put together beautiful diamond rings, but if you really want to dazzle her with a unique and distinctive piece of jewelry of your own design, then you need to take the process just one step further. Diamond accents add that extra touch of class and style that set custom engagement rings apart from the crowd; a token of your love that she’ll look upon fondly every day from this moment on.

It’s easy to design your own engagement rings and, when you see the look of joy and amazement on her face, you’ll know – without a doubt – that it was worth the extra effort involved in designing her ring yourself.

Components of a B2B or B2C MarTech Stack

It is not a secret that buying, owning, and maintaining a car costs a significant amount of money. Especially now, when gas prices are high and continue to increase. What if you could avoid paying as much as you do right now? Even while still getting to where you need to go?

Many city dwellers can. In fact, many people from Chicago are already dumping their vehicles and becoming reliant on rideshare. Current research has shown that it is in fact cheaper to use services such as Uber and Lyft in cities including Chicago, Los Angeles, New York, among others.

However, some people are hesitant to use these services due to all of the negative news stories reporting violent crimes involving drivers of such services. However, some services such as Uber are introducing safety features to help riders feel more comfortable reaching someone in case of emergency. It also helps hold drivers accountable by creating a stronger sense of authority, of being watched.

There are many benefits to using these rideshare services in bigger cities. In bigger cities drivers tend to have to pay to park their vehicles in addition to other typical costs such as gas, repairs, affordable auto insurance, etc.

On the other hand, some reports say that the cost of using rideshare will not be cheaper than owning a car until 10 years from now. But, it just depends what is best for the individual budget. In fact, news sites have even developed calculators to see if ridesharing is beneficial to your budget. Another detail that the calculator includes is the cost of time. A detail often overlooked by the monetary costs of things, but a detail equally, if not more valuable to people.

Additionally, there are options to “pool” with other rideshare users to eliminate even more costs. This option is not always the best depending on the intentions of your trip, but can be especially helpful for the commute to work, for example.

The increase in regular rideshare users creates another problem, unfortunately. The amount of cars picking up passengers has disrupted the flow of traffic in certain regions of the city, especially in Chicago. They have even increased fines of traffic violations.

The tickets and gas prices also seem to be turning away some drivers as they pay out of pocket for each item, in addition to possible rideshare insurance. But, drivers who discover that there is a growth in the city population using their services may attract attention to drivers hoping to make more money.

This then creates an issue for rideshare companies who are already struggling to pay their workers. Companies such as Uber who are providing benefits to European drivers, the costs will not go down anytime soon for them.

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