Growing up, I used to have some relatives and friends telling me not to buy 4D. 

It is one Singapore lottery that seems to be less popular as I grow older. My parents used to buy it. Strangely, non of my colleagues, or co-worker mention buying it.

Now TOTO, which is another form of lottery, that is another story all together. During Chinese New Year, when the pool of money snowballs to a large million, it is a must purchase for many.

I guess a common gripe about 4D might be that, people don’t commit a lot to buying 4D or TOTO.

With the amount, you will win perhaps $2,000 to $10,000 with 4D. With TOTO, the winning is much more. However, strangely, I thought the odds that people win 4D is much higher.

I think the problem is that people do not think a $2,000 to $10,000 windfall of