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Reminder: Please settle and pay your debt first before playing lottery. Pay early to prevent loan interest. Save as much money into your private retirement scheme, because 75% people is not ready for their retirement nowdays and the kwsp, epf and cpf money will finish in just 5 years. Credit cards like visa and mastercard are easy to get, think carefully before you spend money and buy something with it. Do not play any online gambling or going to casino, because it is very addictive and hard to manage budget. Clairvoyant and tarot psychic reading can help to increase chances of winning the lottery sometimes, but please be careful.