Lottery Online

Lottery Online

Lottery Online is a great way to buy lottery tickets for the US Powerball, Mega Millions and more from the comfort of your home. The best sites have user-friendly interfaces and make the entire process quick and easy. They also feature mobile versions so you can play whenever and wherever you want. However, you should be aware that you are likely to come across scams when playing Lottery Online, so be sure to research any site thoroughly before spending your money. https://sarahrogomusic.com/

If you’re looking to purchase a ticket in your state, there are plenty of options for you. Many states’ online lottery websites allow you to purchase tickets individually or in bulk. Some even offer subscription services that let you play multiple drawings for weeks or months at a time. In addition, most online lotteries use geolocation technology to ensure that you’re located within your state’s borders. This is to help prevent people from purchasing tickets across state lines, which is against federal law.

Aside from state-run online lotteries, there are also a number of private businesses that offer their own online lottery games. These companies often act as middlemen for official government-run lotteries and offer players the opportunity to play a variety of both national and international games. These sites are usually regulated by a gaming commission and must have a solid payout record. In addition, they must be secure and have SSL encryption to protect your personal information.

Another way to play the lottery is through a gambling website that offers odds on specific outcomes of upcoming draws. These websites are similar to sports betting sites, but they focus on the results of lottery games instead of individual sporting events. These sites aren’t as common as their traditional counterparts, but they can be a good alternative to buying a physical ticket.

While the majority of lottery games have odds that are extremely low, there are some games with higher odds than others. For example, a Powerball jackpot might be worth hundreds of millions of dollars, but you would still be a long shot to win it. There are even lottery games with no jackpot at all, but you can still win big by forming a winning combination of numbers.

The Lotter was the first US online lottery, and it now offers a complete list of games in all 50 states. The site is simple to navigate, and the entries look just like the physical tickets you’re used to buying at the store. It’s important to note that lottery laws vary by state, and some only allow residents of the state to play.

When it comes to Lottery Online, it’s always best to go with a trusted source that has been around for years and is backed by the Better Business Bureau. This way, you can rest assured that the company is legit and will take care of your money if something goes wrong. Also, beware of lottery websites that promise huge jackpots for small investments. They might be fake and could disintegrate your prize before you’re able to claim it.

Lottery Online

Lottery Online hongkong prize is becoming a more common way to play the lottery, with more and more states authorizing it. It also gives players access to more games and jackpots than they would be able to buy in person at traditional lottery retailers. While it’s true that some states have tried to block it, most people still prefer it over visiting brick-and-mortar stores for tickets.

While lottery retailers are carefully vetted before being allowed to sell their tickets, it’s much harder to do the same for a website selling tickets online. This is why it’s important to research a lottery site before you decide to use it. Look for a license from a recognized authority and check how long they’ve been in business. Also, consider the quality and variety of deposit and withdrawal options. A good lottery site should have a lot of popular banking methods.

The best lottery sites offer a simple, secure way to purchase your tickets. They’re available 24/7 and let you select your numbers on a desktop computer or mobile device. You can also compare jackpots and odds, as well as the winning history of previous drawings. Some also allow you to purchase entries for the same lottery from different states and countries. This means you can maximize your chances of winning.

Lottery Online sites can be run by private businesses or by the state itself. The latter is more likely to have strict regulations for their operators. They may also have to meet certain requirements regarding data security and responsible gambling. These regulations may include age and location verification, which can make it difficult for some to participate in the lottery online.

Another thing to look for when choosing a lottery site is its registration process. Some require a valid email address to register. Others may ask for a government issued ID number or social security number to verify your identity. They’ll also need to collect your bank account information so they can transfer any winnings to you.

Aside from these requirements, most lottery websites provide easy-to-use interfaces. They also feature live chat support and customer service representatives to assist you with any issues you might have. Some also have a dedicated app for smartphones.

Some of the largest lotteries in the world can be played on the Internet. These sites generally don’t purchase tickets for you, but they do act as middlemen. For instance, theLotter has agents from 25+ offices who will go into a retail shop and purchase an official ticket in your name. Then they will scan the ticket and send it to you. In addition to these services, theLotter offers subscriptions and multi-draw packages.

While the major lotteries tend to get all the attention, there are also many smaller ones with big prizes. These can be as large as a few million dollars, and the odds of winning are quite high. Most lottery websites have a system in place to credit prizes to your player account automatically. This is especially helpful for small prizes, as you won’t have to worry about claiming them in person. For larger prizes, however, you’ll usually have to submit proof of identity before you can receive your winnings.

How to Choose a Casino Online

TOGEL HARI INI are popular with gamblers because they provide a safer way to gamble without having to leave the comfort of your home. They offer all the popular table games as well as some specialty games not available at traditional brick-and-mortar casinos. The best online casinos will also have a wide selection of top slot machine games and video poker.

Online casino sites are accessible on any device. In addition, they allow you to play for free. You can choose the casino that offers the most features that suit your gaming preferences. Before signing up, you should always look into the casino’s licensing and security measures. You should also consider the payment options, the incentives, and the layout of the site. Choosing a reputable website can help ensure that your gaming experience is fun and rewarding.

You should also find out if you can fund your casino account through e-wallets or credit cards. You may be able to set up a prepaid credit card that will work like a conventional debit card. Some casinos will even let you deposit at the cashier’s desk. However, you can only use this option if you live in a country where gambling is legal.

You should also check to see if the online casino accepts cryptocurrencies. Many of the best casinos will accept Bitcoin and other cryptocurrencies. In addition, you should find out if the online casino uses an SSL certificate to protect your information.

You should also be sure to choose a casino that allows you to play with real money. This will ensure that you have access to the best promotions, including the jackpots. It will also allow you to get the most out of your gaming bankroll.

In addition to a great gaming experience, you should also consider the site’s layout and customer service. Ideally, you should be able to reach the customer support team through email, phone, or a chat feature. You should also check to see whether or not you can set a spending limit on your online casino site.

Online casinos are one of the most popular forms of entertainment today. Millions of people go online to place bets and roll the dice. The biggest draw for players is the chance to win a huge jackpot. These jackpots can give you a life-changing prize. A good online casino should have a progressive jackpot. In other words, the jackpot keeps increasing as the game progresses, until someone wins it.

The best online casinos will offer hundreds of slot machine and video poker games. In addition, you will find a wide variety of games, including blackjack, baccarat, and roulette. You can also enjoy the thrill of playing against a real dealer.

Another reason to choose an online casino is its bonuses and promotions. Some of the most popular online casinos have special offers that are designed to attract new players. These include no deposit bonuses, which can be used to test out the games without having to make a deposit. These bonus programs often have wagering requirements, which require you to wager a certain amount of money before you can cash out.

Benefits of Buying Lottery Tickets Online

Buying togel tickets online is a popular option for many players. Buying tickets from the comfort of your home can save you a lot of time and money. With more and more US states offering online sales, you can now buy lottery tickets in the US without having to go out.

You can also find dozens of other benefits when you play lottery online. For one, you can play more often. You can choose from a variety of games and jackpots. You can buy tickets for mega-jackpots like the US MegaMillions and Powerball. There are also plenty of games to choose from that are less than $20, and some even cap at under $10. You can even play keno, scratch-offs and raffles.

Whether you are a first-time player or a seasoned lottery player, playing online is a great way to increase your chances of winning. You can choose from a variety of platforms and lottery tickets, and you don’t have to worry about dressing up or dealing with collecting prizes. Buying lottery tickets from an online vendor allows you to make purchases anytime of the day or night. Some vendors accept credit cards, debit cards, and PayPal, so you can pay in a secure way.

Some of the largest multi-state lotteries in the United States are the Powerball, Mega Millions, and Lotto America. Each of these lottery systems has its own draw games and instant win games. You can also join a multi-draw package and get access to a wide variety of games. In addition, you can subscribe to a lottery that allows you to play every draw for a set amount of time. This way, you can continue to play for months and years without ever having to visit a retail store.

You can also purchase tickets for the Michigan togel, which has set all-time sales records. In March 2016, the Lottery’s online sales topped $8 million a week. The proceeds from ticket sales are deposited into the state’s school fund, senior care programs, and tourism. In addition, a portion of the proceeds goes to open space conservation and wildlife habitats.

You can also play the Virginia Lottery, which has several draw games and multi-state games. The proceeds from ticket sales in the Virginia Lottery help to build public schools. In addition, you can buy tickets for Keno, Scratch-Offs, and three in-house games. The North Carolina Lottery has been around since 2005. In that time, it has contributed more than $5.5 billion to education programs. You can watch the draws on six television stations. You can also purchase lottery tickets online through the Lottery’s official website.

If you live in West Virginia, you can play Keno, scratch-offs, and three multi-state lotteries. The WV Lottery has a number of draw games, including the most popular daily game, Pick 4. You can also play raffles, which are played by buying numbered tickets. These tickets contain a preprinted raffle code, so you don’t have to guess the numbers.

Judi Togel Memberi Profit Paling besar Saat Ini

Judi togel online sejak lama sudah bisa dibuktikan selalu memberi profit paling besar ke beberapa pemain. Yang di mana baik bermain lewat lajur bandar darat atau bandar togel online, Pemain dapat memperoleh profit yang paling fantastis. Bahkan juga sebagian besar website judi togel online di Indonesia sekarang ini tawarkan peluang mencetak kemenangan fantastis bermodal yang paling dapat dijangkau.

Di lain sisi games judi togel yang sudah bisa dimainkan lewat cara online ikut memberi kenyamanan dan keamanan bermain terbaik ke pemain. Cuma dengan modal piranti computer atau handphone dan koneksi internet saja, Togelmania semuanya sudah dapat taruhan secara nyaman. Dan beberapa pemain bisa juga memasangkan betting kapan pun tak perlu terhalang permasalahan waktu.

3 Profit Bermain Togel Online Dibanding Games Judi Lain

Bicara permasalahan bermain judi, Profit tentu jadi hal yang sering dicari oleh seluruh pemain. Hal itu berlaku saat anda bermain togel online. Nach, Menariknya banyak profit bermain judi togel online yang melewati games judi yang lain ada sekarang ini. Karena itu, Kami sudah membagikan di dalam 3 profit bermain togel online seperti berikut ini.

  1. Modal Bermain Paling Dapat dijangkau
    Bila ditanyakan games judi apa yang memakai modal bermain paling dapat dijangkau, Jawabnya sudah tentu ialah games togel. Ya, Togel ialah salah satu games yang tawarkan peluang memasangkan betting paling kecil. Di mana untuk beli 1 angka saja anda dapat memasangkan betting paling kecil sejumlah Rp.1.000. Hal ini sudah pasti enggak dapat anda dapatkan pada tipe games judi apa saja sekarang ini.
  2. Hadiah Kemenangan Paling besar
    Bermodal bermain yang paling dapat dijangkau semacam itu, Tidak berarti anda enggak dapat mencetak kemenangan fantastis pada games togel. Bahkan juga dapat disebutkan bila games judi bermodal kecil dan profit paling fantastis ialah togel. Di mana dengan memasangkan betting 4d sejumlah Rp.1000 saja, Anda dapat memperoleh kemenangan capai Rp.3000.000. Wow!
  3. Dapat Dimainkan Di mana Saja
    Sebuah profit dari bermain togel online ialah, Anda dapat memasangkan betting kapan pun dan dimanapun. Ingat games togel online sekarang ini enggak cuma bisa dimainkan memakai computer saja, Tetapi dapat dimainkan lewat handphone.

The Risks of Gambling Online

Gambling Online is a popular way to enjoy a variety of casino games. Rather than spending money on travel and accommodations, you can enjoy the convenience of playing these games right on your computer. However, gambling online comes with certain risks, which you must be aware of before you decide to use it. The first risk is that you may end up infected by malicious software that will damage your computer and steal your personal information. Another risk is that you could end up losing your money, so be very careful when gambling online.

One of the best ways to combat gambling addiction is by strengthening your support system. Try to enlist the help of family, friends and colleagues. You can also join a sports team, a book club or volunteer your time for a good cause. Finally, consider joining a peer support group to share your experience and get assistance. Gamblers Anonymous, which is similar to Alcoholics Anonymous, provides support for gambling addicts and offers a twelve-step recovery program. You can also choose a sponsor, a former gambler, who will provide guidance and motivation.

A number of laws prohibit togel singapore and make it illegal for some businesses to accept advertisements for gambling websites. These laws target mid-sized to large publishers and have fined Microsoft and Google for accepting ads for gambling websites. Similarly, it is illegal to transfer funds to online gambling websites. It is also illegal for banks in the United States to process payments to online casinos.

Another common problem with gambling is that it can make you feel desperate for money. You may be addicted to gambling to feel rich and high, or you may be seeking social status by becoming a successful gambler. Gambling can lead to a range of behavioral and mood disorders. To prevent such problems, it is essential to avoid gambling, no matter how tempting it may seem.

Many countries have banned or limited online gambling, and some are only partially allowing it. Canada, the United Kingdom, the European Union, and the Caribbean are some of the places where online gambling is legal. Most other countries have banned it, but do not enforce their bans on the internet. Therefore, if you are considering gambling online, be sure to check out the local laws and regulations first.

If you are struggling with gambling problems, you may want to seek help. There are several counseling programs available that focus on helping people who have gambling problems find healthy ways to address their problems. These can include marriage counseling, family therapy, and credit counseling. They can also help you develop coping skills. These services are particularly helpful if you are suffering from a mood disorder or another disorder.

Another option is to join a casino that offers a cashback program. Some sites offer cash back for losses – some up to $250. Others, like MyBookie racebook, offer an 8% horse racing rebate bonus. Most of these online gambling websites accept Visa, MasterCard, and some other credit cards. In addition, many people use eWallets to make transactions. Some of the most popular of these services include PayPal, Neteller, and Skrill.

Many sites offer tips and promotions to help you win the togel

To play the lottery online, there are a few steps to take. You first need to make an account with the lottery website of your choice. You can use different methods togel of payment to add funds to your account. Most sites accept Visa, MasterCard, and American Express. Some also allow you to make Bitcoin transactions. TheLotter, for example, offers over 30 different ways to make deposits. When you win, the lottery site will notify you via SMS or email. In addition, you can receive your winnings in person if you wish.

The lottery system in the United States has been evolving thanks to technology. There are now seven jurisdictions that have online lotteries. This number is down from eight in 2015, when Minnesota stopped offering lottery games online. In 2011, the Department of Justice clarified its stance on the Wire Act and opened the door for states to sell lottery tickets online. Some states have developed their own lotto online apps, while others have relied on third-party applications. In addition to lottery games, players can also play instant-win games such as Keno and virtual sports.

Another advantage of purchasing lottery tickets online is that you can participate in games from around the world. Many of these websites offer discounts on specific lotteries. Purchasing tickets for the lottery online is completely safe. However, you should stick with reputable lottery websites. These websites togel have a long history in the business, and their prizes are guaranteed. Most websites also accept credit cards and debit cards.

Upon selecting a lottery site, you will need to register an account with the site. Most vendors will not charge a fee to sign up, but they will want to verify your identity in order to send your winnings. After you have registered, you can choose which game to play and whether or not you want to pick your numbers manually. You can also choose the number of draws you want to play and what subscription you want.

In the US, there are more than forty-five state lotteries, with millions of people playing each week. The most popular lottery is the Michigan Lottery, which has been legal since 2011. Using an online lottery site can be a convenient option for lottery fans. Many sites offer tips and promotions to help you win the lottery.

Lottery websites will offer you the option to purchase multiple tickets at once, and some platforms even allow you to buy in advance. Regardless of how you choose to play, it is essential to confirm your transactions right away. You can also use lottery togel  strategies to maximize your chances of winning the lottery. Just remember to keep an eye out for scams.

If you are lucky enough to win the lottery, contact the provider for more information. Your lottery provider may offer you a lump sum payment of your winnings, or you can choose to receive the payment in the form of an annuity over several years. In the case of a massive jackpot, you will have to contact the provider of the lottery website to determine how to withdraw your winnings.

Gambling Online – Ways to Overcome Your Gambling Problem

Whether you’re addicted to online casino games or just want to improve your odds on sports wagers, there are ways to overcome your gambling problem. The first step is to gain knowledge about gambling. Then, you can improve your odds of winning. You can also learn to relax, practice togel singapore relaxation techniques, and engage in regular physical activity.

Aside from providing excellent customer support, reputable online gambling websites should also offer bonuses and promotions. They should also be easy to use and mobile-friendly. And they should have an extensive selection of games. However, remember that online gambling has its risks and should be used responsibly. There are many ways to lose money.

One way to avoid financial problems when gambling online is to set limits. Most regulated gambling websites will accept bank transfers. Make sure your bank supports this option before signing up at an online casino. You can also set a limit on the amount you can withdraw. In most cases, online gambling sites will not put a limit on how much you can withdraw, but this is not always possible.

Another way to combat your gambling problem is to seek professional help. There are professional online therapists available for anyone suffering from gambling addiction. BetterHelp offers free counseling, and their quiz will match you with a therapist who will be able to help you overcome your gambling problem. It can be daunting to admit that you’re an addict, but remember that there are many people who have overcome togel singapore this problem and are now living a life free from addiction to gambling.

Gambling Online has become a major industry in the United States. In 1996, only fifteen websites existed. By the end of 1997, there were over 200 websites. During the same period, the first online poker rooms were introduced. In 1999, the United States Senate introduced the Internet Gambling Prohibition Act, which would have banned online gambling for U.S. citizens. During the same period, multiplayer online gambling was introduced.

While many countries prohibit online gambling, there are still several jurisdictions where it is legal. The United States, Canada, the European Union, and several nations in the Caribbean are among these countries. In order to provide online gambling services, gambling service providers must be licensed by the appropriate authorities. In some countries, such as the United Kingdom, gambling is prohibited by law.

Using a VPN service can help you stay anonymous and confident when gambling online. Many of these services are fast and reliable, and you can choose from several different providers for your needs. Some of the most popular VPN services are NordVPN, ExpressVPN, and Surfshark. They’re available for both desktops and mobile devices.

Playing the Lottery Online

If you play the togel online, you can check if you’ve won. Lottery sites usually deposit your winnings into your account, but you may have to physically claim your prize in some cases. Many sites offer secondary games and other features. To ensure that you’re buying the right tickets, you should also make sure that the togel online vendor is legitimate.

You can purchase a togel online ticket online with a variety of different payment methods. Most online lottery sites accept MasterCard, Visa, and American Express, and some even support Bitcoin transactions. TheLotter, for instance, supports 30 different deposit methods. Once you’ve won, online lotteries typically send you a notification via email or SMS. You can also choose to pick up your winnings at a local retailer.

Most togel online use geolocation to track where players live. This is because most applications and websites use geolocation when you buy tickets online. However, if you purchase a lottery ticket in person, your location is not a factor. Nonetheless, some states require you to live in the state you’re playing in to qualify to play.

There are currently seven jurisdictions in the United States that operate an online lottery. Eight jurisdictions had online lotteries as recently as 2015, but Minnesota canceled their program. This came about after the Department of Justice clarified its position on the Wire Act in 2011. Although most states have their own lotto online apps, others defer to third-party applications. Some states do not yet offer an online lottery because of the verification challenges involved.

The state of Vermont is one of the few states that does not allow togel online players to purchase tickets online. Unlike most states, Vermont does not have a law requiring that lottery sales be conducted online. Despite this fact, the state continues to earn good revenue from physical ticket sales. This could change if lawmakers approve the legalization of lottery online.

The most common togel online games involve matching at least six numbers drawn by a random drawing. Some games also include a special number, such as Mega Millions and Powerball. In these cases, the player needs to match all of the numbers and the special number to win. There are also other lottery games that feature a special ball, like SuperEnalotto and Euro Millions.

There are many benefits to playing the togel online. For one, you can get automatic notifications of your winnings. Purchasing lottery tickets online is easy and convenient. You can even play in groups with theLotter Texas. Besides, playing the lottery online will save you time and gas. Plus, theLotter Texas also offers a self-limiting tool, which will help you enjoy your games responsibly.

Other states are working on implementing togel online. For example, the state of Pennsylvania passed a bill that will allow online lottery purchases. This bill will allow players to play in the state lottery. The lottery proceeds in that state benefit local businesses, transportation services, and low-cost prescription programs. Meanwhile, the lottery in Arizona has a multi-state lottery association and proceeds are donated to several public causes. Another state, Arkansas, also has a lottery organization, called the Arkansas Scholarship Lottery. The state lottery offers several draw games and multi-state games.

Lottery Online – Why You Should Buy Your Lottery Tickets Online

As a way to attract a younger audience, lotteries have begun selling tickets online. According to the American Gaming Association and Ontario togel online and Gaming, only 7% of the 18 to-35 age demographic plays the lotto. The numbers are higher for the 35-and-up demographic, where nearly half of all adults play the lottery. Online lottery sales are gaining in popularity, and more state lotteries are considering it. This is especially true of the Millennial generation, who are less likely to visit brick and mortar establishments to purchase tickets.

While there are some scam websites out there, the majority of lottery sites are legitimate and licensed by a state gaming authority. They also charge lower fees than unlicensed sites, and you don’t need to pay to withdraw your winnings. Plus, playing the lottery online is convenient and doesn’t require you to leave your home. You can choose from a variety of payment methods to suit your needs.

The best togel online sites offer instant access to lottery games and make it easy to choose numbers, purchase tickets, and compare odds. You can purchase tickets using your computer, smartphone, or tablet. These sites also have easy-to-use interfaces and don’t require any special software to play. You can also play the lotto games from anywhere you have internet access.

Moreover, online lottery games are easy to play, and their jackpots continue to increase rapidly. In addition, you can access major lotteries worldwide. As a result, you can be assured that you have the best chance of winning. Even if you’re not the next Mega Millions winner, you’re sure to be one of the few people to hit the jackpot. You could even become a millionaire overnight!

You can purchase your tickets online at online lottery sites, but you should make sure you’re living in a state that allows online lottery ticket sales. Some sites even offer bonus offers and discounts to players. If you’d rather buy your tickets from an agent, you can do so. But if you want the most convenience, you should try using an official lottery site.

Online lottery sites have also made syndicates more popular. A syndicate is a group of lottery players who pool their money and share the proceeds. Syndicates are often practiced amongst friends, work colleagues, and other groups. Some of the top lottery sites have features that help manage syndicates. They also allow players to join groups and securely pull their money. The lottery operator will ensure that the winnings are shared among all members in an equitable manner.

Several states have passed legislation allowing lottery players to purchase tickets online. The state of Pennsylvania, for example, has made it legal to play online. Players can purchase tickets for 11 draw games and the proceeds from these games go to school aid programs and other programs. In addition, the state of Rhode Island allows players to play only online keno and instant win games. The state’s lottery profits go to education, public safety, and law enforcement, and the state’s tax relief fund.

How to Play the Lottery Online

While most US states have not yet launched their lottery online, more are considering it. Right now, only 8 US states have approved lotteries on the web. In the coming years, more will be following. In fact, Canada has three national lotteries available online, while Europe is home to millions of players of Eurojackpot and Euromillions. In 1995, the state of Liechtenstein launched the world’s first lottery online.

Although lotteries are considered gambling, not all governments endorse them or outlaw them. Some regulate them; the most common regulation is the prohibition of selling lottery tickets to minors. Additionally, vendors must be licensed to sell lottery tickets. During the early 20th century, most forms of gambling were illegal in the U.S. and most of Europe. World War II saw many countries ban gambling as a form of entertainment. Now, however, lotteries are a popular choice for many people.

To play togel singapore online, you can sign up for a lottery subscription. Most state lotteries will let you subscribe to a certain number of draws and buy tickets in advance. Purchasing lottery tickets through a subscription service will eliminate the need to visit a retail outlet weekly. Alternatively, you can subscribe to Powerball draws and buy tickets for that number of draws. This will help you be ready for any lottery draw. Once you’ve signed up for a lottery subscription, you can choose how frequently you’d like to be notified.

If you live in the US, you can purchase lottery tickets online. You can also play togel singapore games online. You must be at least 18 years of age to purchase lottery tickets online. Some states, however, have increased their minimum age to 21 years or higher. Third-party apps have made lottery games available online. One of them is Jackpocket. This lottery app also supports online pooling for groups of players. For those who would like to play togel singapore games online, it’s a great way to play the lottery without leaving home.

In the US, the lottery industry is growing rapidly. The first state lottery online was approved in 2011. Since then, online lottery sites have been legal in all 50 states. These websites also offer tips and promotions to help you win the togel singapore. There are even dozens of websites that sell lottery subscriptions. Online players can easily access these websites and enter state-level or major multi-state drawings from the comfort of their own homes. In addition, some states offer instant win scratch cards online.

You can play the New York lottery online. The draws are held every Wednesday and Saturday evenings. Players choose six numbers out of 59 and if three match, they win $1. However, the payouts have been disappointing, and the lottery has been losing ground to other games with larger jackpots. Fortunately, if you win the jackpot, you can choose to receive the cash in a lump sum or a series of monthly payments.