Still racking your brain looking for that perfect holiday gift? Here is my ultimate go-to when you need a present that’s thoughtful, quick and could actually put money back in your pocket!  There’s no need to rack your brain or worry about shipping or standing in long lines. It’s good for just about everyone from family to co-workers. Time is running out for your holiday shopping and my blogumn is here to help! So, as soon as your are done reading this – head on down to your local news stand or grocery store and pick up a pack of instant scratch off lottery tickets! You can be the hero of their holidays if they hit a big cash jackpot! With a simple $10 or $20 you can give a gift that can keep on giving. In a pinch, you can even get a nice holiday card or envelope and stuff a bunch inside. You can give them to your boss, a friend, or your grandmother. (Mine loves getting them!) I’ve done this for years, even giving to co-workers in the past. I was given a stack for my birthday this year and I kept winning over and over. It was a great feeling. I played for a few months by winning free tickets and small cash amounts that I simply cashed in for more. It’s up to the player how they want to spend their winnings, but the odds are pretty good they’ll at least receive a free ticket. Growing up in Pennsylvania, the Pennsylvania Lottery airs this holiday classic commercial, that is simply revised every season (or as of last year, redone shot for shot in high definition.)  The ad agency simply overdubs the new games to match the original jingle. Lotteries have enabled governments to fund all...