Like many people, I like to gamble.
I strive to do so in moderation and with minimal risk.
Smoky casinos don't do it for me. I've only been to a casino twice in my life. The first time was in the late 1990s when I was invited to go to the Casino de Hull in Hull, Quebec (across the river from Ottawa). Not having an abundance of money, I didn't play anything and was soon bored out of my mind. I also saw some very desperate people there.
The second time was nearly a decade ago when my friend Christopher Kain and I went to the Twin River Casino in Lincoln, Rhode Island to see Don Rickles perform. It was a depressing and dreary place. As I wrote at the time, "Never have I seen so many walkers, oxygen tanks, wheelchairs and canes assembled in one place."
Sadly, Don Rickles was not much longer for this world passing away 7 months later.
I prefer to do my gambling with scratch tickets.
Perhaps once a week (give or take) I like to buy a scratch ticket.
A single scratch ticket usually. I've seen too many people buy dozens of scratch tickets. Naturally, that is their business. But for me that seems too much. For me, less is more.
My favorite is the $2,500 a Week for Life game. Sometimes, I'll buy the $250 a Week for Life or the $1,000 a Week for Life game if the $2,500 a Week for Life is game is unavailable.
The idea I could win those amounts seems a more realistic proposition than playing Mega Millions or Powerball although I do play those games once in a blue moon.
Mind you, the $2,500 a Week for Life isn't actually for life. It is paid out over a 20-year period. Of course, one can take the prize in a single lumpsum. Should I ever get that ticket, I will have to do some thinking as to I would receive such a prize given the tax implications. But I'll cross that bridge should it come.
In the meantime, I do win a fair bit on this game. Usually $15, $20, $50 - a little walking around money.
As some of you might recall, I won $100 during my most recent visit Walden Pond visit but the store wouldn't give me the money. After alerting the Massachusetts Lottery Commission about the situation, they told me I could redeem my money at any one of their outlets and recommended I go to a grocery store which would be all but guaranteed to have the cash on hand. As such, I was able to redeem my winnings from a nearby grocery store.
Last month, on a Saturday, I sojourned to Southie to play candlepin bowling. On my way to Southie Bowl, I stopped into the J&J Discount Mini-Mart on West Broadway and bought the $2,500 a Week for Life ticket. There are six winning numbers on the ticket, and one can win up to 15 times.
I began by scratching the right-hand side of the ticket. My excitement was aroused when one of my numbers matched a prize of $400. The next column saw another number with a prize of $100. I was now at $500. The next column saw two more $100 prizes. I was now at $700.
At this point, I was both disappointed and exhilarated. Given that lottery outlets could not redeem more than $600, I could not collect the money then and there. At the same time, I had not completed scratching the ticket.
The next column saw two more $100 prizes. I was now at $900. The last column gave me one more $100 prize to put me at a grand total of $1,000. Needless to say, I walked out of J&J Mini-Mart considerably happier than I did when I exited Cumberland Farms last November after winning $100.
And then I kept the excitement to myself. Because there was now the logistical detail of collecting the money. Until I collected the money I didn't want to tell anyone. Prior to writing this dispatch, I told Dad about my good fortune.
Those who win between $601 and $103,000 can collect their prize by mail, mobile app or visiting a local lottery office in person. I opted for the latter. However, this meant taking an afternoon off of work which meant I waited more than a month to claim my prize. All winnings must be claimed within one year.
That afternoon came today. I went to the Massachusetts Lottery Commission's headquarters in Dorchester. In very short order, I signed the back of my lottery ticket, filled out a yellow form, produced my state ID and Social Security number and received a check for $950 as 5% state tax is withheld.
Now $1,000 isn't what it used to be nor is $950. It doesn't cover the rent anymore. Of course, I'll have to pay federal tax on it next year. But for the moment I have money I would not otherwise have.
Of course, I would be remiss if I didn't mention the Massachusetts Lottery Commission sells lottery tickets including the $2,500 a Week for Life ticket. Since I was in the neighborhood, I bought a ticket. No dice this time. But there will be other days. Besides, I was still able to quit while I was ahead.