I know someone who would bet $300 to $400 every week on 4D and Toto. It is simply mind-boggling to me. When I found out, I suggested that he should save the money every week instead. To me, it is a no-brainer. I explained to him that, in a month, he would save $1,200 to $1,600 and in a year, he would save $14,400 to $19,200! That is quite a lot of money. His reply to me, "Hey, what if I gave up and one of the 4D or Toto combinations I always buy appear as first prize har? You compensate me har?" I was speechless! I mean if he had listened to me, I would have gone on to explain the next step of how he could invest that $14,400 to $19,200 a year for a dividend income of $720 to $960 a year which althougH ......