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Meta: Congratulations! You just won millions of dollars in the lottery!

Congratulations! You just won millions of dollars in the lottery! That's great.
Now you're fucked.
No really.
You are.
You're fucked.
If you just want to skip the biographical tales of woe of some of the math-tax protagonists, skip on down to the next comment. To see what to do in the event you win the lottery.
You see, it's something of an open secret that winners of obnoxiously large jackpots tend to end up badly with alarming regularity. Not the $1 million dollar winners. But anyone in the nine-figure range is at high risk. Eight-figures? Pretty likely to be screwed. Seven-figures? Yep. Painful. Perhaps this is a consequence of the sample. The demographics of lottery players might be exactly the wrong people to win large sums of money. Or perhaps money is the root of all evil. Either way, you are going to have to be careful. Don't believe me? Consider this:
Large jackpot winners face double digit multiples of probability versus the general population to be the victim of:
1. Homicide (something like 20x more likely)
2. Drug overdose
3. Bankruptcy (how's that for irony?)
4. Kidnapping
And triple digit multiples of probability versus the general population rate to be:
1. Convicted of drunk driving
2. The victim of Homicide (at the hands of a family member) 120x more likely in this case, ain't love grand?
3. A defendant in a civil lawsuit
4. A defendant in felony criminal proceedings
Believe it or not, your biggest enemy if you suddenly become possessed of large sums of money is... you. At least you will have the consolation of meeting your fate by your own hand. But if you can't manage it on your own, don't worry. There are any number of willing participants ready to help you start your vicious downward spiral for you. Mind you, many of these will be "friends," "friendly neighbors," or "family." Often, they won't even have evil intentions. But, as I'm sure you know, that makes little difference in the end. Most aren't evil. Most aren't malicious. Some are. None are good for you.
Jack Whittaker, a Johnny Cash attired, West Virginia native, is the poster boy for the dangers of a lump sum award. In 2002 Mr. Whittaker (55 years old at the time) won what was, also at the time, the largest single award jackpot in U.S. history. $315 million. At the time, he planned to live as if nothing had changed, or so he said. He was remarkably modest and decent before the jackpot, and his ship sure came in, right? Wrong.
Mr. Whittaker became the subject of a number of personal challenges, escalating into personal tragedies, complicated by a number of legal troubles.
Whittaker wasn't a typical lottery winner either. His net worth at the time of his winnings was in excess of $15 million, owing to his ownership of a successful contracting firm in West Virginia. His claim to want to live "as if nothing had changed" actually seemed plausible. He should have been well equipped for wealth. He was already quite wealthy, after all. By all accounts he was somewhat modest, low profile, generous and good natured. He should have coasted off into the sunset. Yeah. Not exactly.
Whittaker took the all-cash option, $170 million, instead of the annuity option, and took possession of $114 million in cash after $56 million in taxes. After that, things went south.
Whittaker quickly became the subject of a number of financial stalkers, who would lurk at his regular breakfast hideout and accost him with suggestions for how to spend his money. They were unemployed. No, an interview tomorrow morning wasn't good enough. They needed cash NOW. Perhaps they had a sure-fire business plan. Their daughter had cancer. A niece needed dialysis. Needless to say, Whittaker stopped going to his breakfast haunt. Eventually, they began ringing his doorbell. Sometimes in the early morning. Before long he was paying off-duty deputies to protect his family. He was accused of being heartless. Cold. Stingy.
Letters poured in. Children with cancer. Diabetes. MS. You name it. He hired three people to sort the mail. A detective to filter out the false claims and the con men (and women) was retained.
Brenda, the clerk who had sold Whittaker the ticket, was a victim of collateral damage. Whittaker had written her a check for $44,000 and bought her house, but she was by no means a millionaire. Rumors that the state routinely paid the clerk who had sold the ticket 10% of the jackpot winnings hounded her. She was followed home from work. Threatened. Assaulted.
Whittaker's car was twice broken into, by trusted acquaintances who watched him leave large amounts of cash in it. $500,000 and $200,000 were stolen in two separate instances. The thieves spiked Whittaker's drink with prescription drugs in the first instance. The second incident was the handiwork of his granddaughter's friends, who had been probing the girl for details on Whittaker's cash for weeks.
Even Whittaker's good-faith generosity was questioned. When he offered $10,000 to improve the city's water park so that it was more handicap accessible, locals complained that he spent more money at the strip club. (Amusingly this was true).
Whittaker invested quite a bit in his own businesses, tripled the number of people his businesses employed (making him one of the larger employers in the area) and eventually had given away $14 million to charity through a foundation he set up for the purpose. This is, of course, what you are "supposed" to do. Set up a foundation. Be careful about your charity giving. It made no difference in the end.
To top it all off, Whittaker had been accused of ruining a number of marriages. His money made other men look inferior, they said, wherever he went in the small West Virginia town he called home. Resentment grew quickly. And festered. Whittaker paid four settlements related to this sort of claim. Yes, you read that right. Four.
His family and their immediate circle were quickly the victims of odds-defying numbers of overdoses, emergency room visits and even fatalities. His granddaughter, the eighteen year old "Brandi" (who Whittaker had been giving a $2100.00 per week allowance) was found dead after having been missing for several weeks. Her death was, apparently, from a drug overdose, but Whittaker suspected foul play. Her body had been wrapped in a tarp and hidden behind a rusted-out van. Her seventeen year old boyfriend had expired three months earlier in Whittaker's vacation house, also from an overdose. Some of his friends had robbed the house after his overdose, stepping over his body to make their escape and then returning for more before stepping over his body again to leave. His parents sued for wrongful death claiming that Whittaker's loose purse strings contributed to their son's death. Amazingly, juries are prone to award damages in cases such as these. Whittaker settled. Again.
Even before the deaths, the local and state police had taken a special interest in Whittaker after his new-found fame. He was arrested for minor and less minor offenses many times after his winnings, despite having had a nearly spotless record before the award. Whittaker's high profile couldn't have helped him much in this regard.
In 18 months Whittaker had been cited for over 250 violations ranging from broken tail lights on every one of his five new cars, to improper display of renewal stickers. A lawsuit charging various police organizations with harassment went nowhere and Whittaker was hit with court costs instead.
Whittaker's wife filed for divorce, and in the process froze a number of his assets and the accounts of his operating companies. Caesars in Atlantic City sued him for $1.5 million to cover bounced checks, caused by the asset freeze.
Today Whittaker is badly in debt, and bankruptcy looms large in his future.
But, hey, that's just one example, right?
Wrong.
Nearly one third of multi-million dollar jackpot winners eventually declare bankruptcy. Some end up worse. To give you just a taste of the possibilities, consider the fates of:
So, what the hell DO you do if you are unlucky enough to win the lottery?
This is the absolutely most important thing you can do right away: NOTHING.
Yes. Nothing.
DO NOT DECLARE YOURSELF THE WINNER yet.
Do NOT tell anyone. The urge is going to be nearly irresistible. Resist it. Trust me.
1. IMMEDIATELY retain an attorney.
Get a partner from a larger, NATIONAL firm. Don't let them pawn off junior partners or associates on you. They might try, all law firms might, but insist instead that your lead be a partner who has been with the firm for awhile. Do NOT use your local attorney. Yes, I mean your long-standing family attorney who did your mother's will. Do not use the guy who fought your dry-cleaner bill. Do not use the guy you have trusted your entire life because of his long and faithful service to your family. In fact, do not use any firm that has any connection to family or friends or community. TRUST me. This is bad. You want someone who has never heard of you, any of your friends, or any member of your family. Go the the closest big city and walk into one of the national firms asking for one of the "Trust and Estates" partners you have previously looked up on http://www.martindale.com from one of the largest 50 firms in the United States which has an office near you. You can look up attornies by practice area and firm on Martindale.
2. Decide to take the lump sum.
Most lotteries pay a really pathetic rate for the annuity. It usually hovers around 4.5% annual return or less, depending. It doesn't take much to do better than this, and if you have the money already in cash, rather than leaving it in the hands of the state, you can pull from the capital whenever you like. If you take the annuity you won't have access to that cash. That could be good. It could be bad. It's probably bad unless you have a very addictive personality. If you need an allowance managed by the state, it is because you didn't listen to point #1 above.
Why not let the state just handle it for you and give you your allowance?
Many state lotteries pay you your "allowence" (the annuity option) by buying U.S. treasury instruments and running the interest payments through their bureaucracy before sending it to you along with a hunk of the principal every month. You will not be beating inflation by much, if at all. There is no reason you couldn't do this yourself, if a low single-digit return is acceptable to you.
You aren't going to get even remotely the amount of the actual jackpot. Take our old friend Mr. Whittaker. Using Whittaker is a good model both because of the reminder of his ignominious decline, and the fact that his winning ticket was one of the larger ones on record. If his situation looks less than stellar to you, you might have a better perspective on how "large" your winnings aren't. Whittaker's "jackpot" was $315 million. He selected the lump-sum cash up-front option, which knocked off $145 million (or 46% of the total) leaving him with $170 million. That was then subject to withholding for taxes of $56 million (33%) leaving him with $114 million.
In general, you should expect to get about half of the original jackpot if you elect a lump sum (maybe better, it depends). After that, you should expect to lose around 33% of your already pruned figure to state and federal taxes. (Your mileage may vary, particularly if you live in a state with aggressive taxation schemes).
3. Decide right now, how much you plan to give to family and friends.
This really shouldn't be more than 20% or so. Figure it out right now. Pick your number. Tell your lawyer. That's it. Don't change it. 20% of $114 million is $22.8 million. That leaves you with $91.2 million. DO NOT CONSULT WITH FAMILY when deciding how much to give to family. You are going to get advice that is badly tainted by conflict of interest, and if other family members find out that Aunt Flo was consulted and they weren't you will never hear the end of it. Neither will Aunt Flo. This might later form the basis for an allegation that Aunt Flo unduly influenced you and a lawsuit might magically appear on this basis. No, I'm not kidding. I know of one circumstance (related to a business windfall, not a lottery) where the plaintiffs WON this case.
Do NOT give anyone cash. Ever. Period. Just don't. Do not buy them houses. Do not buy them cars. Tell your attorney that you want to provide for your family, and that you want to set up a series of trusts for them that will total 20% of your after tax winnings. Tell him you want the trust empowered to fund higher education, some help (not a total) purchase of their first home, some provision for weddings and the like, whatever. Do NOT put yourself in the position of handing out cash. Once you do, if you stop, you will be accused of being a heartless bastard (or bitch). Trust me. It won't go well.
It will be easy to lose perspective. It is now the duty of your friends, family, relatives, hangers-on and their inner circle to skew your perspective, and they take this job quite seriously. Setting up a trust, a managed fund for your family that is in the double digit millions is AMAZINGLY generous. You need never have trouble sleeping because you didn't lend Uncle Jerry $20,000 in small denomination unmarked bills to start his chain of deep-fried peanut butter pancake restaurants. ("Deep'n 'nutter Restaurants") Your attorney will have a number of good ideas how to parse this wealth out without turning your siblings/spouse/children/grandchildren/cousins/waitresses into the latest Paris Hilton.
4. You will be encouraged to hire an investment manager. Considerable pressure will be applied. Don't.
Investment managers charge fees, usually a percentage of assets. Consider this: If they charge 1% (which is low, I doubt you could find this deal, actually) they have to beat the market by 1% every year just to break even with a general market index fund. It is not worth it, and you don't need the extra return or the extra risk. Go for the index fund instead if you must invest in stocks. This is a hard rule to follow. They will come recommended by friends. They will come recommended by family. They will be your second cousin on your mother's side. Investment managers will sound smart. They will have lots of cool acronyms. They will have nice PowerPoint presentations. They might (MIGHT) pay for your shrimp cocktail lunch at TGI Friday's while reminding you how poor their side of the family is. They live for this stuff.
You should smile, thank them for their time, and then tell them you will get back to them next week. Don't sign ANYTHING. Don't write it on a cocktail napkin (lottery lawsuit cases have been won and lost over drunkenly scrawled cocktail napkin addition and subtraction figures with lots of zeros on them). Never call them back. Trust me. You will thank me later. This tactic, smiling, thanking people for their time, and promising to get back to people, is going to have to become familiar. You will have to learn to say no gently, without saying the word "no." It sounds underhanded. Sneaky. It is. And its part of your new survival strategy. I mean the word "survival" quite literally.
Get all this figured out BEFORE you claim your winnings. They aren't going anywhere. Just relax.
5. If you elect to be more global about your paranoia, use between 20.00% and 33.00% of what you have not decided to commit to a family fund IMMEDIATELY to purchase a combination of longer term U.S. treasuries (5 or 10 year are a good idea) and perhaps even another G7 treasury instrument. This is your safety net. You will be protected... from yourself.
You are going to be really tempted to starting being a big investor. You are going to be convinced that you can double your money in Vegas with your awesome Roulette system/by funding your friend's amazing idea to sell Lemming dung/buying land for oil drilling/by shorting the North Pole Ice market (global warming, you know). This all sounds tempting because "Even if I lose it all I still have $XX million left! Anyone could live on that comfortably for the rest of their life." Yeah, except for 33% of everyone who won the lottery.
You're not going to double your money, so cool it. Let me say that again. You're not going to double your money, so cool it. Right now, you'll get around 3.5% on the 10 year U.S. treasury. With $18.2 million (20% of $91.2 mil after your absurdly generous family gift) invested in those you will pull down $638,400 per year. If everything else blows up, you still have that, and you will be in the top 1% of income in the United States. So how about you not fuck with it. Eh? And that's income that is damn safe. If we get to the point where the United States defaults on those instruments, we are in far worse shape than worrying about money.
If you are really paranoid, you might consider picking another G7 or otherwise mainstream country other than the U.S. according to where you want to live if the United States dissolves into anarchy or Britney Spears is elected to the United States Senate. Put some fraction in something like Swiss Government Bonds at 3%. If the Swiss stop paying on their government debt, well, then you know money really means nothing anywhere on the globe anymore. I'd study small field sustainable agriculture if you think this is a possibility. You might have to start feedng yourself.
6. That leaves, say, 80% of $91.2 million or $72.9 million.
Here is where things start to get less clear. Personally, I think you should dump half of this, or $36.4 million, into a boring S&P 500 index fund. Find something with low fees. You are going to be constantly tempted to retain "sophisticated" advisers who charge "nominal fees." Don't. Period. Even if you lose every other dime, you have $638,400 per year you didn't have before that will keep coming in until the United States falls into chaos. Fuck advisers and their fees. Instead, drop your $36.4 million in the market in a low fee vehicle. Unless we have an unprecedented downturn the likes of which the United States has never seen, should return around 7.00% or so over the next 10 years. You should expect to touch not even a dime of this money for 10 or 15 or even 20 years. In 20 years $36.4 million could easily become $115 million.
7. So you have put a safety net in place.
You have provided for your family beyond your wildest dreams. And you still have $36.4 million in "cash." You know you will be getting $638,400 per year unless the capital building is burning, you don't ever need to give anyone you care about cash, since they are provided for generously and responsibly (and can't blow it in Vegas) and you have a HUGE nest egg that is growing at market rates. (Given the recent dip, you'll be buying in at great prices for the market). What now? Whatever you want. Go ahead and burn through $36.4 million in hookers and blow if you want. You've got more security than 99% of the country. A lot of it is in trusts so even if you are sued your family will live well, and progress across generations. If your lawyer is worth his salt (I bet he is) then you will be insulated from most lawsuits anyhow. Buy a nice house or two, make sure they aren't stupid investments though. Go ahead and be an angel investor and fund some startups, but REFUSE to do it for anyone you know. (Friends and money, oil and water - Michael Corleone) Play. Have fun. You earned it by putting together the shoe sizes of your whole family on one ticket and winning the jackpot.
submitted by DamnDam to PromptsJustforMe [link] [comments]

Gay Romance Non-explicit called; "THE MIRROR," by Max Sparrow

Gay Romance Non-explicit called;
The Mirror Can See the Truth

VISIT MY WEBSITE AT www.maxsparrowbooks.com For Blog and More Reads

About The Mirror

This is a short story that looks into the life of two lovers. The main character finds himself in a sudden position of success, but he cannot handle the pressure that is a manifestation of his personal fears. His lover helps him along the way, but because he has trouble accepting his identity, the relationship becomes sour over the years. While his lover is loyal to him, loyalty only goes so far. The main character finds himself hitting rock bottom as he uses substances to cope with the pain. It has a classic ending. Bottom line- The Mirror is about accepting who you are as a person and being a homosexual doesn't define you. It is only a sexual preference. This story is one of my most popular writings.

The Mirror

(Creative- Non-Fiction)
By:
Max Sparrow
The Present…
I toy with my wedding band. Turning the ring sideways, I let out a sigh, and read the description out-loud. "To my true love, Max.” Today would have been our tenth year wedding anniversary.
I pull out a 200 dollar vintage, 2009 bottle of Dom Perignon from the fridge. It was Matt’s favorite beverage, and I sip it slowly. Everybody forms a concept of love that they feed upon as churchgoers feed on scripture and I have come to the dreary conclusion that no human knows what love really is. This thought sways in my head like the gentle branches of a Magnolia tree as I take another sip of the champaign. I look at the busy streets below my penthouse balcony. People move in different directions as they go about their daily tasks. Some carry briefcases while others hold the hands of children. A few walk at a brisk pace, and further down the street, by the subway, tired and weary beggars sit as they cling to the warmth of their jackets. I often wonder what other people feel— if they feel? Do the people walking on the streets feel the same pain that rips me apart?… It is a pain I have never known until I met Matt. It is something that I can only describe as heartache.
The story of Matt and I’s separation is long and unhappy. I learned through the moments of my twisted relationship that there are no happy stories in life. There are only happy moments.
Years Ago…
I loved looking at the blinking billboards and touring the casinos. As I strolled outside the Las Vegas Walkways and looked at one flashing sign after the other, I was in awe. Each sign was seductive in its own ways. Offering great gambling odds, deals on drinks, and shows. I wondered who replaced the bulbs that burned out and how long the bulbs lasted. A woman’s voice swept out into the streets as she serenaded those passing by the casino doors with a sweet melody. I looked up at a flashing neon sign above me but I didn’t bother to read it. The flash of the bright light and the voice was excitement enough. I fought the bustling crowd as I went inside. There were young couples, groups of people, and in front of me an elderly man who kept shouting over the noise to his wife.
“I can’t hear you!” She screamed back and I could see the frustration on her face as she pushed buttons on her hearing aid. I was inclined to give a smile of amusement, but I knew a day would come when I might find myself in the same predicament. I was in my early twenties but everybody told me I had an old maid’s perception about the world. One professor in college looked at me and said, “Max, if you were sliced in half, there would be more rings to count than a 200-year-old tree.” The class laughed but I did not. I knew I was unusual because I saw the world in a different light. It was as if everybody around me was watching the world unfold as if it were a movie in black and white while I was looking at the same movie but in color. I felt and I perceived conflict in society from a much more emotional standpoint. This usual perception of the world led to bouts of depression that interfered with my ability to function. At times, I felt like my mind was being spun in a cement truck— around, and around.
I passed through crowds of people and towards the seductive voice of the honey-toned women. She had a soft voice. It was like she was singing a lullaby solely to me. I hadn’t been the only one who heard her as I followed the crowd:
“That voice”
“I Know!”
“Beautiful!”
I was almost into the theater hall when my eye caught a waitress gliding down a hallway with a tray of cocktails. Her job was to lubricate spenders on the casino floor as they offered customers something more valuable than money— hope. The creation of this illusion would empty their pockets into the casino’s coffers.
“Ma’am,” I hollered through the crowd as I battled my way towards her. She was speeding towards the casino tables in a shimmering sequin dress. I picked up a glass of cabernet as she passed without her noticing me.
With my glass of wine I finally entered the room that the sensational voice was drifting from and as my eyes gazed upon this talented singer, my heart cried for her in pity. While I wasn’t a music critic, I thought the packed theater was a testament to her voice’s beauty. Sadly, however, that was all that was beautiful about her. Even from a distance, where I stood, I saw her giant clown nose stretched across her watermelon-shaped head. Giant moles were scattered across her face and she had a drooping double chin. I knew regardless of how wonderful her voice was — what people saw on the outside would always deter her from rising up the ladder of success. I wondered what she saw when she looked in the mirror?
I was moseying about aimlessly and it was close to midnight when I thought I should turn in. It had been a night full of blinking signs, gasping gamblers, and good wine. I was struggling to walk in a straight line and had lost count of how many drinks I had. My vacation was almost over, I thought dreadfully. I had a consistent problem of taking joy away from things that had yet to end. I was mauling over the return to Louisiana in two days. “Back to the same old,” I told myself. In my mind, I began weaving unneeded thoughts of distress of returning home to the hot sticky, humid town of Baton Rouge when I collided with another person. The content of my glass went flying across the man’s white shirt.
“I am so sorry— oh God— I am so sorry," I was babbling frantically. "I will give you money to pay for the dry cleaning,” I said, and I was panicking. When I looked up, I went silent. Our eyes met, and we both looked into each other’s eyes. He had the slightest smile on his face and his eyes were the warmest and inviting blues I had ever seen.
“I’m Matt,” he said as he broke the silence and extended a hand. He didn’t seem the least bit bothered that his shirt was soaked in red wine.
“I am Max," I replied and shook his hand nervously. "And the name of the red wine on your shirt is cabernet." He laughed at that, and I smiled.
“Would you like to have a drink with me at the bar?” He asked and I couldn’t help but stare at him curiously for a moment. His eyes lit up but brighter than any moon I had seen, and they glistened with more beauty than any stars. I saw the entire universe dancing in his eyes. Even more— they lit a fire in me. I tended not to engage with men that made my heart feel the slightest bit warm. Love was a foreign concept that I evaded because I saw it as mindless and irrational. I have scoffed at many people who have told me that I might one day be at its mercy. At that moment I would have had to agree.
“Yes, sure a drink,” I said. He led the way to the bar.
We talked late into the night. Matt was a professor of psychology but when he asked me what my profession was— I paused. I tipped my drink and guzzled down the contents of the glass before responding. My eyes found their way to the bottom of the floor.
“I recently submitted a book for publication. I was given an advance and I thought— what the hell— I’ll go to Las Vegas.” I answered while I propped my head up with my elbow on the bar counter.
“I find that incredibly romantic,” He replied softly as he leaned in and gave me a gentle kiss. As our lips met I felt a rush of ecstasy flush through my body. I should have walked away but I couldn’t. There was something about his charm that held me captive.
“So, you’re a writer?” He asked, pulling away from my lips and brushing his long bangs away from his dazzling blue eyes. I wanted to grab him by the shirt with my fists and press my lips against his while we tumbled down upon the ground in passion.
I downed another drink before replying, “Yes I am. I am a writer.” Matt smiled at this.
He told me that he had come to Las Vegas on a similar mission— to explore. “I love traveling. There is so much beauty in the world, and I don’t want to miss any of it.”
“Where have you traveled to?” I asked as my eyes were drawn to the red wine stain on his neatly button-down shirt. A simple mistake that could shift the direction of my life. Such irrelevant choices could lead to profound change— simplicity is underrated, I decided at that moment.
“Oh, I have been to the United Kingdom. I love Paris and London. I fell in love with their culture. One of my favorite things to do was look down from my studio apartment at night and watch people bustling in the busy street below.” He placed his hand on mine. It felt warm. It felt right. I loved it.
We spent hours talking about our traveling experiences. Our conversation would begin to die down after a couple hours and he we stared at each other for several seconds of comfortable silence. “Wanta come to my hotel room?” I did not hesitate. Downing another shot of vodka, I said, “Let’s go!”
We got married in Las Vegas and exchanged wedding rings. Matt told me that night, I had something special about me. I was innocent and beautiful. I wanted to believe that.
I moved with Matt to Arizona where he worked at a local college, and my book was published. It received good reviews, and it appeared in every bookstore. The book consisted of many references to the homosexual lifestyle and the fear and shame I had because of my sexuality. People bought it. Some Christian fanatic groups burned my books— but either way— my book was being purchased.
One week after it was released I was drunk more than usual, and I shared my feelings with Matt. “I am not somebody who deserves success,” I said. Matt eyed me curiously before smiling at me.
“We all deserve success, Max. I believe true success is happiness,” he replied. “Are you happy?” He asked me.
I thought about what he said for several moments as I looked off in a daze and into the blackness of the night in the far window of the room. Finally, I reconnected my eyes with his and said softly, “Let’s have a martini.” Matt laughed at me.
The publisher called me a week and a half after the book's release. They insisted that I go on tour and begin writing another book. After I hung up the phone, I picked up Matt’s cigarettes. It had been years since I last smoked, but the slender tubes of tobacco calmed my nerves. I was laying in bed with Matt as I hung up the phone and struck a flame to my cigarette.
“What the hell are you doing?” Matt asked as he lay on his side and looked at me curiously.
“That was the publisher,” I said as I adjusted my head against the pillow and took deep breathes from the cigarette.
“I don’t want you smoking, Max,” Matt said as he tried to take the cigarette from my hand. I pulled it out of his reach.
Mat looked at me with discerning eyes before asking, “What did the publisher say?”
“I-I- I don’t want to talk about.” I stood up from the bed and paced back and forth. I was puffing on the cigarette with such fury that the coal had already dwindled to the filter. The heat of the ash could be felt on my knuckles. This was my chance, I thought to myself. I had an opportunity, to show my skill but I knew, I could serenade the audience with beautiful words just like that singer serenaded me in Las Vegas. I could writer wonderful pieces of literature for the publishing firm but at the end of the day when we both looked in the mirror, we were hideous. These thoughts of despair might have all been all in my head but when you believe something long enough, it becomes a truth.
I turned towards Matt and relayed what the publisher said. He laughed.
“You just got great news, and you are stressed?” Matt replied as he continued to smile. “What is it you’re afraid of?” I looked at Matt and was silent. “Well, let’s hope you never win the lottery. God forbid— cause that would make you go nuts!” He continued to laugh, but I looked away.
I finally said in a whimper, “I can’t, Matt. I can’t handle the pressure. I can’t do this.” I put my cigarette out in the ashtray and lay beside him on the bed. He grabbed my shoulder as he nestled my head on his lap.
“Yes, you can— I believe in you, and I know you can do this.” He said soothingly while he stroked my hair. He lifted my chin with his hand and gave me a tender kiss.
I would begin to promote my book, and started writing the next one. Matt and I would travel the country. The first trip we took was to Chicago, and I was nervous. The doctor prescribed me Ativan. I ate them like tic-tacs. With the Ativan and alcohol mixed, I could successfully handle book reviews and attend book signings with ease. When people thanked me for writing my book, I couldn’t help but squint my eyes in puzzlement and wonder how they could not see who I really was. Yet I still managed to say, “It was my honor.” I pulled it off these events successfully.
While I signed books; I took praise, and made small talk with people who bought my works, Matt was in charge of filling the coffee cup with vodka. I would sip on it while listening to people tell me how much my book meant to them. My repertoire with the public was considered incredibly positive as I began to engage with bigger audiences and more fans.
I remember the day we ended the publicity campaigns.
“I gotta to tell you-you're amazing with people.” I looked at Matt as he collapsed into a chair at the airport.
“Looks can be deceiving," I replied and smiled but it was a meager smile.
Earlier that day we had attended the last promotional event. It was late afternoon, and we were waiting to board a plane back to Arizona. My attention was focused on the bottle of Ativan I was emptying into my hand.
“Why are you taking so many pills?” Matt asked curiously. I didn't reply until he stood up and snatched the bottle from my hands.
“You don't need these,” he said, pulling the bottle above his head and out of my grasp. Matt was taller than me.
“Please give them to me,” I begged. “Please.” For a moment he looked at me carefully. Then he handed me the bottle but was silent. He was silent the entire plane trip home. I preferred the silence.
Days would pass slowly for me. I stayed in our house for lengthy periods of time with curtains drawn and the lights off. I would lay down in bed while I typed my book. Once a month I would make an appearance and read lines from my new work. The readings continued to go well, but as deadlines approached for my second manuscript, I would drink even heavier.
Matt continually insisted that we socialize. I was content to drink away the night as my fingers glided across the keyboard. My refusal to accompany Matt outside of our apartment started fights. It would lead to the first of several eruptions.
“Max, for fuck sake, we are going out!” He hollered. He was already dressed and looked charming in his blue jeans, Tommy Hilfiger shirt, and a sports coat that fit snugly on him. His black hair was combed to the side.
“I have to write,” I replied as I took a long drag from the cigarette and exhaled slowly. That was only half of the truth.
“Every day it’s the same shit. You say you will go out with me and never do,” Matt protested as he slammed his hand down on the desk I was typing on. “Look, Max, I know your work is important, but you are becoming obsessed with this. Let that go... Common, Please! We can go to some clubs. Get drunk. Trust me— it will be fun. We can get a banana daiquiri— your favorite,” Matt said as his voice became relaxed. He stood behind me while he rubbed my shoulders. When I didn’t reply he went to the windows and begun to open drapes as he let the rays of the setting sun shun through the windows. At last, I looked up at him with weary eyes, as he said, “We can go out dancing. Perhaps we could dance to your favorite song? The first song we danced too.”
Matt walked over to me and grabbed both of my hands and said, “Look into my eyes.” I did, but only for a moment.
“I have to work,” I repeated as I pulled my hands away. I began to peck away at the keys. Matt stood still, but I knew he was staring coldly at me. He was angry and I didn’t know how to properly communicate what I was feeling. Perhaps if I had been able to communicate my feelings— maybe our relationship could have been saved.
“Fuck you, Max,” he said and he left the apartment. That was the first time he cursed at me. After he left, I put my cigarette out in the ashtray and covered my face with my hands as I cried.
Matt continued to pressure me to leave the apartment. We were in New York for an appointment with my publisher when Matt had a volatile explosion that would be the worst confrontation the two of us had during the relationship.
“Max, please, let’s go out,” He begged. “This is New York City.” I looked up at him and shook my head no, back and forth. I was stumbling to the bar in the apartment.
“I have been by your side and hold your hand through everything! I gave up my job! There isn’t a thing I haven’t done for you! I want to go out, common, Max. You will have a great time.” I was no longer paying attention to Matt. Instead, I was busy fixing a drink and laying out different Benzos on a table. Matt stood still as he awaited my response until he realized he wasn’t getting one. He walked to me, took the glass out of my hand and threw it at the wall where it shattered. Then he picked up the pill bottle with an assortment of different Benzo’s.
“What the fuck are you doing!” I screamed.
“Are you in love with me or these pills?” He hollered back as he walked into the bathroom. He unscrewed the top of the bottle and emptied the contents into the toilet.
With my teeth gritted I said, “Who the fuck do you think you are?” I grabbed him around the waist as the two of us struggled. He was more powerful and hurled me against the bathroom wall where I slumped down and began to cry. “Are you crying over me or your pills?” He asked in a flare of anger as his eyes glared down at me. Then he left the apartment.
My second book came out, and it too was well received. Not long after its release, I signed a contract for a third book. Matt and I toasted our fifth anniversary.
“I do love you Matt— I do— ya know,” I said as our glasses clinked together. That was the bitter truth.
“And I also love you,” he replied, but I felt his words were cold and distant.
“Why do you love me?” When I asked this question, Matt looked at me with a narrow gaze. He seemed at a distance.
“I just do,” he said and then stood up, and walked away.
My drinking increased as my third book progressed, and I would start to find another love— opiates. I found mixing liquor, Benzo’s and opiates together gave a fantastic high. At first, I took prescription painkillers but this quickly progressed to snorting heroin. Matt would find me passed out in front of my computer screen, picked me up, and tucked me into bed. He had stopped flushing my drugs down the toilet. When I awoke in the morning, I would find him beside me in the bed watching television.
While my relationship deteriorated, the press I worked for insisted that I continued to tour and conduct readings. The publishing house worked me like a slave, but I was living a life of luxury.
I was in a theater in New York, and drinking heavily. The previous night Matt had not come home. I questioned him about it and he said, “If you went out with me, maybe you would have a clue what I am doing!” Since I had engaged in heavy drugs, our sexual relationship had perished. I asked him if he was seeing somebody else, but he didn’t answer. Instead, he walked away from me. His overnight disappearance and possible affair led me to drink heavily on the day of a major book reading.
Matt insisted that they call off the event, but I ignored him. I stumbled across the stage and to the podium where l looked out across the hundreds of people. They were all staring back at me— waiting for me to read— clueless about who I really was. These must be weak people, I thought.
After staring blankly at the audience for several moments I would proceed to read a portion of my book as words tumbled out of my mouth in slurs. After the event, I was told that almost everything I said was incomprehensible.
I would publish my third book, and despite my crude behavior during that reading, it was still a success. The publishing house continued to request my appearance at public events, but Matt was given the authority to stop it if I was inebriated. I signed a document that gave Matt the authority to pull the plug.
My drug use continued, and Matt called off many promotional events. We fought tirelessly and when he asked me to talk to him, I couldn’t. The bickering continually worsened until the final night.
I was snorting heroin off the sink. In ten minutes I was going to be a guest speaker at a local television station. This was the first time I had done heroin outside of the apartment. There was a knock on the bathroom door. I finished the line of heroin, stood up, and proceeded to the door, but I couldn’t walk. I fell down on my face and lay helplessly. The door finally swung open. Matt looked at me on the floor.
“Help me,” I begged my hand outreached towards him. “Please," I repeated. The last thing I remembered was his cold calculated gaze bearing into my eyes— I was desperate and miserable, lying hopelessly on a bathroom floor. I was a man that many people referred to as a brilliant writer but if you don’t see it in yourself, I suppose it doesn’t matter what other people see in you. When I looked in the mirror I saw a person who flawed beyond repair and fighting a battle in life he would never win. I saw a man with a giant nose, covered in moles, and a double chin. I saw a failure.
I awoke in my penthouse apartment, under the covers and I was relieved that Matt had brought me home. The heroin must have been cut with something.
“You need help, and I am just— I am not the one to help you,” Matt said. I was trying to get the computer in my lap but stopped to look up at him. “Look at you. You can barely hold your head up.”
“I don’t know what to say. I - I am struggling. You know that,” I said softly.
“Max, I am sick of this relationship. I am sick of dealing with you when you are high. I feel like a fucking babysitter,” Matt scowled, and we stared at each other. He picked up his keys and headed for the apartment door. “Wait, Matt,” I pleaded. He did not pay me any attention. I watched as the penthouse door slammed closed and I let out a long sigh. That night I worked furiously on my computer as I wrote the beginning of my new book. I struggled to stay awake as I waited for Matt to come home so that we could talk seriously. He didn’t come home that night. I fell asleep.
I awoke the next day— one year ago to this day— and while most people would describe it as a fabulous April day; I looked out the large bay windows and managed to distort the suns rays, and cloudless sky into a dark, miserable world. I stumbled out of bed as I yelped in pain from a nasty hangover. I looked at my watch. It was 1:30 in the afternoon.
“Matt,” I said as I looked over to his side of the bed where he normally sat and watched television. He hadn’t come to bed, and I realized the television wasn’t on. “Matt?!” I cried. The shower wasn’t running. He hadn’t returned, and I expected him to come back in the next few hours or the next day. I was beginning to turn back to the bedroom when I noticed something on the door leading outside of the suite. I walked to it. Taped to the door was his wedding ring, along with a note. The note read, “Many years ago you said you couldn’t do this, and I had responded, ‘Yes, you can— I believe in you, and I know you can do this.’ Max, you can’t do this. When we first met, I loved you, but you’re the person I want to be with. I think you are a monster. You’re on your own.”
I now sit on the balcony downing champagne as I realize that I am living in Fear— Fear of success— Fear of living— Fear of intimacy— Fear of judgment— Fear that I will never be good enough. Fear of who I am. Fear is all I see when I look in the mirror.
*****Please Subscribe To Get More Information on Published Stories and Book Releases*****
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What to do if I win the lottery.

Credit to snatcharelli
Congratulations! You just won millions of dollars in the lottery! That's great.
Now you're fucked.
No really.
You are.
You're fucked.
If you just want to skip the biographical tales of woe of some of the math-tax protagonists, skip on down to the next comment, to see what to do in the event you win the lottery.
You see, it's something of an open secret that winners of obnoxiously large jackpots tend to end up badly with alarming regularity. Not the $1 million dollar winners. But anyone in the nine-figure range is at high risk. Eight-figures? Pretty likely to be screwed. Seven-figures? Yep. Painful. Perhaps this is a consequence of the sample. The demographics of lottery players might be exactly the wrong people to win large sums of money. Or perhaps money is the root of all evil. Either way, you are going to have to be careful.
Don't believe me? Consider this:
Large jackpot winners face double digit multiples of probability versus the general population to be the victim of:
And triple digit multiples of probability versus the general population rate to be:
Believe it or not, your biggest enemy if you suddenly become possessed of large sums of money is... you. At least you will have the consolation of meeting your fate by your own hand. But if you can't manage it on your own, don't worry. There are any number of willing participants ready to help you start your vicious downward spiral for you. Mind you, many of these will be "friends," "friendly neighbors," or "family." Often, they won't even have evil intentions. But, as I'm sure you know, that makes little difference in the end. Most aren't evil. Most aren't malicious. Some are. None are good for you.
Jack Whittaker, a Johnny Cash attired, West Virginia native, is the poster boy for the dangers of a lump sum award. In 2002 Mr. Whittaker (55 years old at the time) won what was, also at the time, the largest single award jackpot in U.S. history. $315 million. At the time, he planned to live as if nothing had changed, or so he said. He was remarkably modest and decent before the jackpot, and his ship sure came in, right? Wrong.
Mr. Whittaker became the subject of a number of personal challenges, escalating into personal tragedies, complicated by a number of legal troubles.
Whittaker wasn't a typical lottery winner either. His net worth at the time of his winnings was in excess of $15 million, owing to his ownership of a successful contracting firm in West Virginia. His claim to want to live "as if nothing had changed" actually seemed plausible. He should have been well equipped for wealth. He was already quite wealthy, after all. By all accounts he was somewhat modest, low profile, generous and good natured. He should have coasted off into the sunset. Yeah. Not exactly.
Whittaker took the all-cash option, $170 million, instead of the annuity option, and took possession of $114 million in cash after $56 million in taxes. After that, things went south.
Whittaker quickly became the subject of a number of financial stalkers, who would lurk at his regular breakfast hideout and accost him with suggestions for how to spend his money. They were unemployed. No, an interview tomorrow morning wasn't good enough. They needed cash NOW. Perhaps they had a sure-fire business plan. Their daughter had cancer. A niece needed dialysis. Needless to say, Whittaker stopped going to his breakfast haunt. Eventually, they began ringing his doorbell. Sometimes in the early morning. Before long he was paying off-duty deputies to protect his family. He was accused of being heartless. Cold. Stingy.
Letters poured in. Children with cancer. Diabetes. MS. You name it. He hired three people to sort the mail. A detective to filter out the false claims and the con men (and women) was retained. Brenda, the clerk who had sold Whittaker the ticket, was a victim of collateral damage. Whittaker had written her a check for $44,000 and bought her house, but she was by no means a millionaire. Rumors that the state routinely paid the clerk who had sold the ticket 10% of the jackpot winnings hounded her. She was followed home from work. Threatened. Assaulted.
Whittaker's car was twice broken into, by trusted acquaintances who watched him leave large amounts of cash in it. $500,000 and $200,000 were stolen in two separate instances. The thieves spiked Whittaker's drink with prescription drugs in the first instance. The second incident was the handiwork of his granddaughter's friends, who had been probing the girl for details on Whittaker's cash for weeks.
Even Whittaker's good-faith generosity was questioned. When he offered $10,000 to improve the city's water park so that it was more handicap accessible, locals complained that he spent more money at the strip club. (Amusingly this was true).
Whittaker invested quite a bit in his own businesses, tripled the number of people his businesses employed (making him one of the larger employers in the area) and eventually had given away $14 million to charity through a foundation he set up for the purpose. This is, of course, what you are "supposed" to do. Set up a foundation. Be careful about your charity giving. It made no difference in the end.
To top it all off, Whittaker had been accused of ruining a number of marriages. His money made other men look inferior, they said, wherever he went in the small West Virginia town he called home. Resentment grew quickly. And festered. Whittaker paid four settlements related to this sort of claim. Yes, you read that right. Four.
His family and their immediate circle were quickly the victims of odds-defying numbers of overdoses, emergency room visits and even fatalities. His granddaughter, the eighteen year old "Brandi" (who Whittaker had been giving a $2100.00 per week allowance) was found dead after having been missing for several weeks. Her death was, apparently, from a drug overdose, but Whittaker suspected foul play. Her body had been wrapped in a tarp and hidden behind a rusted-out van. Her seventeen year old boyfriend had expired three months earlier in Whittaker's vacation house, also from an overdose. Some of his friends had robbed the house after his overdose, stepping over his body to make their escape and then returning for more before stepping over his body again to leave. His parents sued for wrongful death claiming that Whittaker's loose purse strings contributed to their son's death. Amazingly, juries are prone to award damages in cases such as these. Whittaker settled. Again.
Even before the deaths, the local and state police had taken a special interest in Whittaker after his new-found fame. He was arrested for minor and less minor offenses many times after his winnings, despite having had a nearly spotless record before the award. Whittaker's high profile couldn't have helped him much in this regard.
In 18 months Whittaker had been cited for over 250 violations ranging from broken tail lights on every one of his five new cars, to improper display of renewal stickers. A lawsuit charging various police organizations with harassment went nowhere and Whittaker was hit with court costs instead. Whittaker's wife filed for divorce, and in the process froze a number of his assets and the accounts of his operating companies. Caesars in Atlantic City sued him for $1.5 million to cover bounced checks, caused by the asset freeze.
Today Whittaker is badly in debt, and bankruptcy looms large in his future. But, hey, that's just one example, right?
Wrong.
Nearly one third of multi-million dollar jackpot winners eventually declare bankruptcy. Some end up worse. To give you just a taste of the possibilities, consider the fates of:
So, what the hell DO you do if you are unlucky enough to win the lottery?
This is the absolutely most important thing you can do right away: NOTHING.
Yes. Nothing.
DO NOT DECLARE YOURSELF THE WINNER yet.
Do NOT tell anyone. The urge is going to be nearly irresistible. Resist it. Trust me.
/1. IMMEDIATELY retain an attorney.
Get a partner from a larger, NATIONAL firm. Don't let them pawn off junior partners or associates on you. They might try, all law firms might, but insist instead that your lead be a partner who has been with the firm for awhile. Do NOT use your local attorney. Yes, I mean your long-standing family attorney who did your mother's will. Do not use the guy who fought your dry-cleaner bill. Do not use the guy you have trusted your entire life because of his long and faithful service to your family. In fact, do not use any firm that has any connection to family or friends or community. TRUST me. This is bad. You want someone who has never heard of you, any of your friends, or any member of your family. Go the closest big city and walk into one of the national firms asking for one of the "Trust and Estates" partners you have previously looked up on http://www.martindale.com from one of the largest 50 firms in the United States which has an office near you. You can look up attorneys by practice area and firm on Martindale.
/ 2. Decide to take the lump sum.
Most lotteries pay a really pathetic rate for the annuity. It usually hovers around 4.5% annual return or less, depending. It doesn't take much to do better than this, and if you have the money already in cash, rather than leaving it in the hands of the state, you can pull from the capital whenever you like. If you take the annuity you won't have access to that cash. That could be good. It could be bad. It's probably bad unless you have a very addictive personality. If you need an allowance managed by the state, it is because you didn't listen to point #1 above. Why not let the state just handle it for you and give you your allowance? Many state lotteries pay you your "allowance" (the annuity option) by buying U.S. treasury instruments and running the interest payments through their bureaucracy before sending it to you along with a hunk of the principal every month. You will not be beating inflation by much, if at all. There is no reason you couldn't do this yourself, if a low single-digit return is acceptable to you. You aren't going to get even remotely the amount of the actual jackpot. Take our old friend Mr. Whittaker. Using Whittaker is a good model both because of the reminder of his ignominious decline, and the fact that his winning ticket was one of the larger ones on record. If his situation looks less than stellar to you, you might have a better perspective on how "large" your winnings aren't. Whittaker's "jackpot" was $315 million. He selected the lump-sum cash up-front option, which knocked off $145 million (or 46% of the total) leaving him with $170 million. That was then subject to withholding for taxes of $56 million (33%) leaving him with $114 million. In general, you should expect to get about half of the original jackpot if you elect a lump sum (maybe better, it depends). After that, you should expect to lose around 33% of your already pruned figure to state and federal taxes. (Your mileage may vary, particularly if you live in a state with aggressive taxation schemes).
/ 3. Decide right now, how much you plan to give to family and friends.
This really shouldn't be more than 20% or so. Figure it out right now. Pick your number. Tell your lawyer. That's it. Don't change it. 20% of $114 million is $22.8 million. That leaves you with $91.2 million. DO NOT CONSULT WITH FAMILY when deciding how much to give to family. You are going to get advice that is badly tainted by conflict of interest, and if other family members find out that Aunt Flo was consulted and they weren't you will never hear the end of it. Neither will Aunt Flo. This might later form the basis for an allegation that Aunt Flo unduly influenced you and a lawsuit might magically appear on this basis. No, I'm not kidding. I know of one circumstance (related to a business windfall, not a lottery) where the plaintiffs WON this case. Do NOT give anyone cash. Ever. Period. Just don't. Do not buy them houses. Do not buy them cars. Tell your attorney that you want to provide for your family, and that you want to set up a series of trusts for them that will total 20% of your after tax winnings. Tell him you want the trust empowered to fund higher education, some help (not a total) purchase of their first home, some provision for weddings and the like, whatever. Do NOT put yourself in the position of handing out cash. Once you do, if you stop, you will be accused of being a heartless bastard (or bitch). Trust me. It won't go well. It will be easy to lose perspective. It is now the duty of your friends, family, relatives, hangers-on and their inner circle to skew your perspective, and they take this job quite seriously. Setting up a trust, a managed fund for your family that is in the double digit millions is AMAZINGLY generous. You need never have trouble sleeping because you didn't lend Uncle Jerry $20,000 in small denomination unmarked bills to start his chain of deep-fried peanut butter pancake restaurants. ("Deep'n 'nutter Restaurants") Your attorney will have a number of good ideas how to parse this wealth out without turning your siblings/spouse/children/grandchildren/cousins/waitresses into the latest Paris Hilton.
/ 4. You will be encouraged to hire an investment manager. Considerable pressure will be applied. Don't.
Investment managers charge fees, usually a percentage of assets. Consider this: If they charge 1% (which is low, I doubt you could find this deal, actually) they have to beat the market by 1% every year just to break even with a general market index fund. It is not worth it, and you don't need the extra return or the extra risk. Go for the index fund instead if you must invest in stocks. This is a hard rule to follow. They will come recommended by friends. They will come recommended by family. They will be your second cousin on your mother's side. Investment managers will sound smart. They will have lots of cool acronyms. They will have nice PowerPoint presentations. They might (MIGHT) pay for your shrimp cocktail lunch at TGI Friday's while reminding you how poor their side of the family is. They live for this stuff. You should smile, thank them for their time, and then tell them you will get back to them next week. Don't sign ANYTHING. Don't write it on a cocktail napkin (lottery lawsuit cases have been won and lost over drunkenly scrawled cocktail napkin addition and subtraction figures with lots of zeros on them). Never call them back. Trust me. You will thank me later. This tactic, smiling, thanking people for their time, and promising to get back to people, is going to have to become familiar. You will have to learn to say no gently, without saying the word "no." It sounds underhanded. Sneaky. It is. And its part of your new survival strategy. I mean the word "survival" quite literally. Get all this figured out BEFORE you claim your winnings. They aren't going anywhere. Just relax.
/ 5. If you elect to be more global about your paranoia, use between 20.00% and 33.00% of what you have not decided to commit to a family fund IMMEDIATELY to purchase a combination of longer term U.S. treasuries (5 or 10 year are a good idea) and perhaps even another G7 treasury instrument. This is your safety net. You will be protected... from yourself.
You are going to be really tempted to starting being a big investor. You are going to be convinced that you can double your money in Vegas with your awesome Roulette system/by funding your friend's amazing idea to sell Lemming dung/buying land for oil drilling/by shorting the North Pole Ice market (global warming, you know). This all sounds tempting because "Even if I lose it all I still have $XX million left! Anyone could live on that comfortably for the rest of their life." Yeah, except for 33% of everyone who won the lottery. You're not going to double your money, so cool it. Let me say that again. You're not going to double your money, so cool it. Right now, you'll get around 3.5% on the 10 year U.S. treasury. With $18.2 million (20% of $91.2 mil after your absurdly generous family gift) invested in those you will pull down $638,400 per year. If everything else blows up, you still have that, and you will be in the top 1% of income in the United States. So how about you not fuck with it. Eh? And that's income that is damn safe. If we get to the point where the United States defaults on those instruments, we are in far worse shape than worrying about money. If you are really paranoid, you might consider picking another G7 or otherwise mainstream country other than the U.S. according to where you want to live if the United States dissolves into anarchy or Britney Spears is elected to the United States Senate. Put some fraction in something like Swiss Government Bonds at 3%. If the Swiss stop paying on their government debt, well, then you know money really means nothing anywhere on the globe anymore. I'd study small field sustainable agriculture if you think this is a possibility. You might have to start feeding yourself.
/ 6. That leaves, say, 80% of $91.2 million or $72.9 million.
Here is where things start to get less clear. Personally, I think you should dump half of this, or $36.4 million, into a boring S&P 500 index fund. Find something with low fees. You are going to be constantly tempted to retain "sophisticated" advisers who charge "nominal fees." Don't. Period. Even if you lose every other dime, you have $638,400 per year you didn't have before that will keep coming in until the United States falls into chaos. Fuck advisers and their fees. Instead, drop your $36.4 million in the market in a low fee vehicle. Unless we have an unprecedented downturn the likes of which the United States has never seen, should return around 7.00% or so over the next 10 years. You should expect to touch not even a dime of this money for 10 or 15 or even 20 years. In 20 years $36.4 million could easily become $115 million.
/ 7. So you have put a safety net in place.
You have provided for your family beyond your wildest dreams. And you still have $36.4 million in "cash." You know you will be getting $638,400 per year unless the capital building is burning, you don't ever need to give anyone you care about cash, since they are provided for generously and responsibly (and can't blow it in Vegas) and you have a HUGE nest egg that is growing at market rates. (Given the recent dip, you'll be buying in at great prices for the market). What now? Whatever you want. Go ahead and burn through $36.4 million in hookers and blow if you want. You've got more security than 99% of the country. A lot of it is in trusts so even if you are sued your family will live well, and progress across generations. If your lawyer is worth his salt (I bet he is) then you will be insulated from most lawsuits anyhow. Buy a nice house or two, make sure they aren't stupid investments though. Go ahead and be an angel investor and fund some startups, but REFUSE to do it for anyone you know. (Friends and money, oil and water - Michael Corleone) Play. Have fun. You earned it by putting together the shoe sizes of your whole family on one ticket and winning the jackpot.
submitted by Sparky2697 to LivingTheLife [link] [comments]

paris las vegas cocktail waitress video

Cosmopolitan Room Tour-Las Vegas! - YouTube Hot Nights In Sin City. Las Vegas,! - YouTube 13 Worst Tourist Traps in Las Vegas - YouTube Luxor Hotel Tour - Las Vegas (walking tour 4k) - YouTube Best things to do in Las Vegas: The LINQ - YouTube The Orleans Hotel & Casino During Viva Las Vegas - YouTube

Answer 1 of 28: What casino offers best cocktail service while gambling on reasonable price table games? Las Vegas. Las Vegas Tourism Las Vegas Hotels Bed and Breakfast Las Vegas Las Vegas Holiday Rentals Las Vegas Holiday Packages Flights to Las Vegas Las Vegas Restaurants On my first trip to Vegas i was a little disappointed about the cocktail waitresses.You see all the movies with the hott waitresses and i guess I was just expecting more.I liked the girls at the I hate the gambling there (horrible blackjack rules) but the casino is nice and the cocktail waitress uniforms are hot. Wynn: I love to play there (excellent gaming) but don't stay there. The server's uniforms don't matter because these women are beautiful inside and out lol. Sarah Blake Cocktail Waitress at Paris hotel and casino Las vegas Las Vegas, Nevada 1 connection May 12, 2014 - In den Las Vegas Casinos sind die Getränke für Spieler kostenlos. Wenn Sie der Cocktail Waitress pro Getränk 1-2 Dollar Trinkgeld geben wird Sie bestimmt oft bei Ihnen vorbeikommen. Seriously, the cocktail waitress uniforms at Paris have to among some of the worst in Vegas…and that’s saying a lot. And what a shame, since I think the rest of the details of the property are so beautiful and tasteful. Paris' cocktail waitresses may have ridiculously small thongs, but some of the peaches they split could be confused with a U-Haul, not that there's anything wrong with big butts - they're AWESOME.According to the readers of VegasTripping the hotties at the Rio have the most deliciously cut uniforms. Paris Las Vegas Hotel & Casino offers the most alluring Las Vegas accommodations, restaurants & nightlife. Experience our enticing, sexy & romantic Las Vegas hotel. One of the friendly cocktail servers at the Paris Paris Las Vegas 3655 Las Vegas Blvd South, Las Vegas, Nevada 89109 877-796-2096, Fax: 702-946-4405 One of the odd things about Las Vegas is the inconsistent policies between properties that are under the same ownership. This group is dedicated to the hardworking cocktail servers of the greater Las Vegas area. 140 Photos. 397 Members. March 1st, 2009 Group Since. Photos; Discussions; Cocktail waitress in Paris. by lucylarou 1. Cocktail waitress at the Rio... by lucylarou 1. Cocktail waitresses at the Rio. by lucylarou 1.

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Cosmopolitan Room Tour-Las Vegas! - YouTube

Hey Everyone check out this amazing room here at the Cosmopolitan:) I loved staying here! We headed to The Orleans Hotel and Casino to do a little shopping at Viva Las Vegas. I couldn't find that much information about the hotel, and there weren't... The LINQ Promenade and High Roller on the Las Vegas strip! showing different restaurants, bars, casinos, night life at the LINQ promenade! Also we show the ... 13 Of the Worst Tourist Traps in Las Vegas. Isn't the whole of Las Vegas a tourist trap? Yes, Las Vegas is designed to attracts tourists, but tourist traps a... My Luxor hotel tour and casino walk around in Las Vegas Nevada.This video starts off on the tram which connects Excalibur to the Luxor and Mandalay Bay. Onc... As the temperature soars in the desert so are the ladies behavior on the sidewalks of fremont street.!

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