f****l
发帖数: 8042 | 1 Whoever it is, the ticket holder is set to claim a monstrous amount of cash.
The winner can pick a one-time cash option, which would be a cool $878
million before taxes.
Otherwise, the full $1.537 billion jackpot -- again, minus taxes -- would be
paid in annuities over 29 years.
为啥？不是号称1.6B，为啥不全给别人winner。 | D***r
发帖数: 7511 | | W*****B
发帖数: 4796 | 3 Here's how much the $1.537 billion Mega Millions winner will get to save
and spend
The $1.537 billion Mega Millions jackpot win marks the largest in the game&#
39;s history and the second-largest lottery prize ever.
The lump-sum option is $877.8 million. Even after federal taxation of 37
percent and South Carolina's 7 percent tax, the total take would be
roughly $491.7 million.
Applying the so-called 4 percent rule — considered a safe yearly withdrawal
rate — would mean about $19.6 million could be tapped each year without
the winner worrying about depleting their haul.
It finally happened.
After three months of no Mega Millions jackpot winners, a single ticket sold
in South Carolina beat the 1-in-302.6-million chance of matching all six
numbers in Tuesday night's drawing.
The final jackpot amount came in at just under $1.54 billion, marking the
largest amount in Mega Millions history and the second-largest lottery
jackpot ever. Leading up to the drawing, lottery officials estimated that 75
percent of possible number combinations had been sold.
South Carolina lottery officials are encouraging the winner to sign the back
of the ticket and put it in a safe place — and then take a deep breath.
And while all eyes might be on the Palmetto State for more information about
the newest member of the one-percenters club, there's a pretty good
chance that the world will never find out who won.
South Carolina is one of a handful of states that allow winners to receive
their prize anonymously. For the person (or group of people) laying claim to
the massive Mega Millions jackpot, that's good news.
"Last night's winner should definitely take advantage of that
anonymity," said Jason Kurland, a partner at Rivkin Radler, a law firm
in Uniondale, New York. "The luxury of going through this process
without having to worry about cameras and reporters is invaluable."
He added, though, that it might be harder to keep the secret closer to home.
"This jackpot captured the imagination of the entire nation, so I'm
sure residents of South Carolina are eager to find out who the winner is,&#
34; said Kurland, who helps lottery winners navigate their sudden windfall.
"If someone all of a sudden quits their job and starts spending money,
people will be talking, I'm sure."
It's also important to tell as few people as possible about your win.
Past lottery winners have discovered the hard way that long-lost friends and
family — not to mention complete strangers — can come calling, looking
for loans or outright handouts.
And given the sheer size of this jackpot, the stakes are pretty high.
Regardless of whether the winner chooses to take the haul as an annuity
spread out over three decades or as an immediate lump sum, the amount will
be life-changing.
The lump-sum option — which most lottery winners choose — is $877.8
million. Even after federal tax totaling 37 percent and South Carolina's
7 percent income tax, the total take would be roughly $491.7 million.
Many financial advisors recommend taking the lump sum. If the windfall is
managed and invested properly, you could end up with more over time than the
annuity option would deliver.
And while investing and saving might not seem as exciting as spending, there
would be no shortage of money available for that, as well.
Experts say it's OK to splurge on yourself upfront, whether it's for
a new car, new house, overseas vacation or something else you've been
coveting. The important thing is to set boundaries right away, even when the
amount of the win seems unlimited.
"It's important to set up a preliminary plan and budget right from
the start," Kurland said. "Emotionally, having an initial structure
in place is extremely helpful for winners, because this is such an
overwhelming experience."
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One common way to help ensure the money lasts is the so-called 4 percent
rule. That is, if you withdraw no more than 4 percent of your money each
year, it should last decades as long as it's properly invested in a
diversified portfolio, said certified financial planner Jim Shagawat,
president of Windfall Wealth Advisors in Paramus, New Jersey.
Applying that withdrawal rate to the after-tax estimate of $491.7 million
would mean about $19.6 million could be tapped each year without depleting
your wealth.
Additionally, lottery winners in South Carolina get six months to claim
their prize. During that time, the winner should assemble a team of
experienced professionals to help determine how to handle their new wealth,
including an attorney, financial advisor and tax advisor.
"I'm sure the winner is extremely anxious and overwhelmed,"
Kurland said. "Like most of my clients, they probably don't want to
wait too long to claim, but they should at least take a few weeks to get
their ducks in a row, establish a financial plan and take care of estate
planning so that once the funds hit their account, they can hit the ground
running."
Meanwhile, the Powerball jackpot stands at $620 million for Wednesday night&
#39;s drawing. The chances of hitting it are slightly better: 1 in 292
million. | e****w
发帖数: 1565 | | m**********2
发帖数: 6568 | 5 人家号称的奖金金额本来就是说的分期付款的金额。从来也没隐瞒过。而且人家说的也
是睡前金额，从来也没有误导过是税后的。 | f****l
发帖数: 8042 | 6 那么一次拿光其实就只有一半咯。剩下的一半是归政府了，还是滚入下一次呢？
【在 D***r 的大作中提到】
: 几乎没有人选择分期
| W*****B
发帖数: 4796 | 7 不划算。合理投资，30年后收益都会超过这个数。另外30年很长，谁能确定发生什么。
获奖人可能活不了那么长或者lottery自己崩了。钱都拿不出来了。还有通货膨胀货币
贬值这些。
：几乎没有人选择分期
【在 D***r 的大作中提到】
: 几乎没有人选择分期
| W*****B
发帖数: 4796 | 8 实际拿到手也就不到5亿
：那么一次拿光其实就只有一半咯。剩下的一半是归政府了，还是滚入下一次呢？
【在 f****l 的大作中提到】
: 那么一次拿光其实就只有一半咯。剩下的一半是归政府了，还是滚入下一次呢？
| f****l
发帖数: 8042 | | m**********2
发帖数: 6568 | 10 是的，只要有3% 的收益就超过这个了。而且钱越多越容易投资，可以搞长线。29年的
长期投资不管是房地产还是买指数基金，都远超3%。傻到负值才会分期。
【在 e****w 的大作中提到】
: 九亿放银行29年也有16亿了
| | | S*********e
发帖数: 4 | 11 你丫真贪
【在 f****l 的大作中提到】
: 太狠了，完全是虚假宣传嘛
| m**********2
发帖数: 6568 | 12 赢得这个的没人会抱怨“虚假宣传”吧，呵呵。
【在 f****l 的大作中提到】
: 太狠了，完全是虚假宣传嘛
| t****7
发帖数: 11132 | 13 cash option拿到后还要缴近40%的联邦税，剩526m,如果还有州税的话也要缴. | D***r
发帖数: 7511 | 14 但是自制力差的人还是可以要个分期付，这样不会一下挥霍完或者被谁抢走
虽然没法搞大的投资，但一辈子过豪华生活没问题。
【在 m**********2 的大作中提到】
: 是的，只要有3% 的收益就超过这个了。而且钱越多越容易投资，可以搞长线。29年的
: 长期投资不管是房地产还是买指数基金，都远超3%。傻到负值才会分期。
| f****l
发帖数: 8042 | 15 要是扎啤伯格中了，会不会去告卖彩票的
【在 m**********2 的大作中提到】
: 赢得这个的没人会抱怨“虚假宣传”吧，呵呵。
| m**********2
发帖数: 6568 | 16 美国人哪有不知道要看小字的
【在 f****l 的大作中提到】
: 要是扎啤伯格中了，会不会去告卖彩票的
| m**********2
发帖数: 6568 | 17 这个怎么玩儿都够爽一辈子的啦，无所谓的。倒是中了个几百万的要仔细合计一把。
【在 D***r 的大作中提到】
: 但是自制力差的人还是可以要个分期付，这样不会一下挥霍完或者被谁抢走
: 虽然没法搞大的投资，但一辈子过豪华生活没问题。
| c********e
发帖数: 4283 | 18 不管是lump sum，还是分期拿，都要交最高tax bracket的联邦税，37%
各州的lottery tax不同，从0到纽约的8%+
在 txak47 (隔世追铊) 的大作中提到: 】 |
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