lotto

 Everyone knows your chances of getting hit by lightning are way better than your chances of winning the lottery, so Joan Ginther must live in perpetual fear underground. The 63-year-old scored $10 million in the Texas lottery—her fourth win since 1993 for a total of $20.4 million, reports ABC15.com. Her wins include:

• 1993: $5.4 million share of an $11 million jackpot. Her take: $270,00 a year for 19 years.
• 2006: With only 6 years of payments left, Ginther scored a $2 million jackpot. Her take: a $1.5 million lump-sum payment.
• 2008: A $3 million jackpot headed Ginther's way.

It's worth noting that Ginther has been a resident of Las Vegas during her last three wins.