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Old 08-21-2010, 01:50 AM   #1
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Serious question - Winning the lottery

So we all dream about winning the lottery, and all the nice cars, clothes, trips, and money you can have. But, do you ever wonder about the negative things you get yourself when you claim your ticket?

Do you claim, or do you have an older relative claim for you? I'm sure we've all known some undesirables in our lives. People that are fun to hang out or associate with, but you want nowhere near you now because they are the shady type.

Do you sign a contract with your relative? This alone will question the trust in your own family. Never know, $40 million, right?

What about relationships? Probably get cocky and start cheating. Family ruined. Also not to mention people asking to borrow money. You might think it's easy gifting money now, but something tells me it's a different story once you really are forking over $100k to people. And what about those people who you've promised to give $1million dollars "if I ever win the lottery".

Just a few examples, you may not even have these issues, but they are highly possible.

Is it all really worth it to trade for an abundance of money? Or you can have a great modest life while working.

But to answer my question, I'd still take the money.
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Old 08-21-2010, 02:05 AM   #2
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I never play the lottery, however I had thought of winning it.

From the outside I would think i would love to invest it, but it must be a different case when you have the money, the temptation to splurge on your hearts content is inevitable. I would like to say i want to keep working if i ever win. It's hard to say.

I would never reveal to anyone that I had won the lottery, I believe there is an option to keep it confidential, I would not tell my family, only the wife would know, not even the kids. I would donate a bunch to charity then live comfortably. However, If family did need help in a financial situation, I would willingly to help them.
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Old 08-21-2010, 10:35 AM   #3
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if you think they are shady stop hanging out with them..

if you don't trust your family - who can you trust?

dont make promises you can't keep - starting now!

its your choice to act cocky, and be douche or live a normal life while doing some easy work to pass the time.


i will take the money
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Old 08-21-2010, 12:44 PM   #4
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From what I've read most people that win the lottery are worst off later in life from either losing their millions or friends/family. I'd still risk it and take the money...
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Old 08-21-2010, 01:59 PM   #5
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I never play the lottery, however I had thought of winning it.

From the outside I would think i would love to invest it, but it must be a different case when you have the money, the temptation to splurge on your hearts content is inevitable. I would like to say i want to keep working if i ever win. It's hard to say.

I would never reveal to anyone that I had won the lottery, I believe there is an option to keep it confidential, I would not tell my family, only the wife would know, not even the kids. I would donate a bunch to charity then live comfortably. However, If family did need help in a financial situation, I would willingly to help them.

Your name becomes property of the lottery corp if you win..... otherwise BCLC coudl just pocket the millions and say the "winner" wanted to keep it confidential.
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Old 08-21-2010, 02:15 PM   #6
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I have made the odd promise to buy some people cars or some shit like that. To be 100% honest, it depends on how much i really won. If it was 1 million, i`d bank it, and keep it to myself, because at the end of the day, all i can really get is my self a house. If it was in the 10 millions, i`d share with the family, Like my uncles and Aunts get like 1 in total, donate 1, and 1 each for my brothers, and give my mom 1. and the rest is for me to have a comfortable life. Winning the lottery doesn`t mean i need to be Mr. Deeds now
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Old 08-21-2010, 02:19 PM   #7
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Win it, keep it low key, and invest it/donate it. I would pay off my parents' mortgages, buy my grandma the promised BMW/Benz, and then pretend the rest never existed by putting it into investments.
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Old 08-21-2010, 08:45 PM   #8
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Pretty much what I would do. I am used to not spending lavishly, and have no desires to do so. I'd buy my family their homes, buy myself a nice home, and invest the rest so I could raise my own family without having to work. It would be awesome
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Old 08-21-2010, 11:31 PM   #9
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We'd all like to think about how things will pan out... but like a few of us who've responded, I don't think you'd really know how you would act unless you're put in that position. Really comes to a mind over matter issue.

But like all dreams, its fun to entertain. So what would I do?

Being so young, I can't imagine how many of the few people I actually know would come up to me and hassle me for some of it. I mean sure, I'd help a select few pay off their tuitions, come along on vacations, have a little down time. But when it comes down to it, how crazy are these people actually going to get just cause you have money (And these are my more trusted/honest friends I'm talking about)? Then you could ask about the crazies... are my Aunts/Uncles/Cousins really going to come hunt me for the money? Being first generation Chinese it seems like they'd have a little more pride than that, but who knows, and it's not like I'd neglect helping them financially in one way or another. And how about the distant relatives I've never met? Luckily for me, my family likes to keep to itself, so I doubt my name even goes past our little family tree bubble.

All in all, I guess I'm fortunate my family is more on the conservative side and I'm pretty selective of the crowd I cruise with. I can't really say it's never too late to start limiting the people you guys talk to, but I suppose you could try? lol. Then again, what are the odds of winning anyway.

As for my spending habits, I suppose I can't say until I have cheque in hand, but again I think its a mind over matter situation. Be smart with that money, don't let it be your downfall, but use it as a means of enriching your life as well as those around you. A nice car, comfortable living space, see the world, and watch my money grow in property investments. Easy.

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Old 08-22-2010, 12:15 AM   #10
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If I won the lottery, I'd start off by installing some big ass televisions in the bathroom for when I'm taking a dump.
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Old 08-22-2010, 01:08 AM   #11
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Old 08-23-2010, 11:19 PM   #12
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It's very sad to win. It's true.

When you win 40 million, you buy your family a home and they think, wow, you're so cheap, you won 40 million and all you can do is just buy me a house?
Your friends would be like, wow, you just won 40 million and you won't even pay for my meals?
You girlfriend / wife starts to think, damn, 40 million and you're not giving me half of it, I'm your wife.
Your wife and kids starts to think, wow, you're won all this month and we have to still work?

I'm not talking about 40 million, even at 4 million, people think of the same thing. This is the number of issues that comes AFTER you win. You start to isolate yourself and you soon realize how lonely you are and you have no one to trust. Your internal mindset keeps thinking, wow, are they trying to be friends with me for my money.

You'll start spiraling and soon have to move away.

Long story short, this came from a friend, he wanted me to see a movie and he took me to the movies and bought me porn (we were young and printed porn was still in fashion) and it was just nice for him to do what he did. He didn't tell me how much he won but he did tell me when he paid for my movie ticket.
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Old 08-24-2010, 07:49 AM   #13
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Pretty much what I would do. I am used to not spending lavishly, and have no desires to do so. I'd buy my family their homes, buy myself a nice home, and invest the rest so I could raise my own family without having to work. It would be awesome
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Old 08-24-2010, 10:12 AM   #14
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Pretty much what I would do. I am used to not spending lavishly, and have no desires to do so. I'd buy my family their homes, buy myself a nice home, and invest the rest so I could raise my own family without having to work. It would be awesome
Yeah me too. But I think I'd still do some sort of work... maybe part time?
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Old 08-24-2010, 10:46 AM   #15
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Do you claim, or do you have an older relative claim for you?
Why the HELL would that even be considered? What good could possibly come from that? Instead of you getting all the unwanted attention, you want some relative to get it instead?

Suddenly finding yourself with a lot of money COULD potentially lead to a lot of problems, but it doesn't necessarily mean it WILL.

It's really the stupid people who don't know how to handle finances who think they could never run out of money that ends up getting themselves in trouble.

I personally think I wouldn't have a problem if I hit a lottery jackpot. I would spend some on a decently sized house, but nothing too extravagant... have at least a couple cars, one nice one like a Ferrari 430, but definitely still have a practical vehicle for daily errands and stuff.

Overall, I'm probably more cautious with saving money than I need to be, but that gives me full confidence that I'll never blow away my windfall like an idiot.
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Old 08-24-2010, 11:43 AM   #16
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for me, winning the lottery is like peace of mind. i don't have to worry about losing my job and what would happen. i could go to work if i wanted to, or not go to work.

if i won the lottery, i'd give some to family and friends. to family i'd give a big lump sum. to friends i'd give small amounts every year... like a couple of thousand. or pay for vacations. if they complain they they get zero. just because you have more money doesn't mean you have to spend it all. it's a concept i find not many understand.
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Old 08-24-2010, 03:30 PM   #17
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for me, winning the lottery is like peace of mind. i don't have to worry about losing my job and what would happen. i could go to work if i wanted to, or not go to work.
I actually really like my job and my boss... I'd probably buy a stake in the company and then stay on just to go on the more interesting/challenging jobs

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if i won the lottery, i'd give some to family and friends. to family i'd give a big lump sum.
Not a good idea. For a lottery winner, the payout is not taxable in Canada. Anything you gift to family or friends, however, is.

What you want to do in this case is get a "group play" form from BCLC, and anyone you want to give money to, you list as part winners on that ticket, along with a percentage that you want them to have. This is the same form you'd use for, say, a work ticket that's to be split between multiple people - there's nothing that says the split has to be even between everyone.

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just because you have more money doesn't mean you have to spend it all. it's a concept i find not many understand.
Think about it: even a very basic savings account gives you, what, 1.2%, 1.3% per year? You put $40M in there, that's gonna be close to $500k/year after compounding. You could leave the principle alone and live VERY comfortably off the interest alone, even after taxes.
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Old 08-24-2010, 04:47 PM   #18
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I actually really like my job and my boss... I'd probably buy a stake in the company and then stay on just to go on the more interesting/challenging jobs
my job is alright. i already made arrangements with my coworker to job share. so we get to work part time, not be too bored, see our coworkers (awesome people...i'd miss them if i ever left), and keep our pension =D


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Not a good idea. For a lottery winner, the payout is not taxable in Canada. Anything you gift to family or friends, however, is.

What you want to do in this case is get a "group play" form from BCLC, and anyone you want to give money to, you list as part winners on that ticket, along with a percentage that you want them to have. This is the same form you'd use for, say, a work ticket that's to be split between multiple people - there's nothing that says the split has to be even between everyone.
wow. if i ever win a jackpot, you'll be benefiting from it... and you can take a screenshot of this as proof


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Think about it: even a very basic savings account gives you, what, 1.2%, 1.3% per year? You put $40M in there, that's gonna be close to $500k/year after compounding. You could leave the principle alone and live VERY comfortably off the interest alone, even after taxes.
wow... this is exactly what i would do, i was just too lazy to type it out
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Old 08-24-2010, 11:44 PM   #19
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id take the money.

buy a huge house, a few toys (cars, boat, cabin)

invite my family to live with me (house would be more then big enough to accomadate them) and pretty much live my life like they do on the show entourage...friends pretty much live with me, we go out and party on weekends, but in return, they all have to chip in to play. someones cooking breakfast daily, lunches, and dinners, someones cleaning up the house...nothing to extreme...but id make the most of it while it lasts
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Old 08-25-2010, 08:02 AM   #20
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why dont;' you use most of the $
some go to investment
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Old 08-25-2010, 08:32 AM   #21
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Speaking of which, a restaurant located a block from where I live knows the $25 million winner for last week's lotto max in Ottawa.

He had a huge sign up, "We are friends of Gerry, winner of $25,000,000"
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Old 08-25-2010, 10:02 AM   #22
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I don't think I would go insane with it. I have a very clear plan.

I would give about 10% to my parents. Thier house is paid off, they really don't need much of anything but they've bailed me out several times in my life and they deserve it.

I'd pay off all my debts. (not that that's huge but it's still signifigent).

I'd make some very safe investments of an additional 10% for my daughter that she can have when she turns 19.

With what's left assuming it's a decent amount of money I would be a nice condo and some property, live in the condo while I build the house that I want. It's not a lavish house but since I have the money I can have a house that's laid out exactly how I want it right? Then when the house is build I move into it, the condo becomes my first rental property. If there's still enough money left I pick up a couple more (preferably retail/business rentals, owner liability and responsibility is much less in business rental) and yeah now I have the beginings of a lucrative rental business.

On the income from that I go back to school and see how many degrees I can collect.
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Old 08-25-2010, 12:02 PM   #23
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This is my point. Everyone has a "plan" on what they will do with the money. But no ones plan is bullet proof. I'm not talking about splurging all your money down to $0 (although it has happened).

I am trying to get at some of the problems people who win encounter. I googled this a bit and came across a few stories of people who win yet they've lost friends, family, gained paranoia, feel they don't fit into the "norm" anymore, yet they don't accept their new circle of rich friends. Also alot of winners say they actually feel guilty and leads to depression.
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Old 08-25-2010, 12:17 PM   #24
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there was a documentary on this years ago... i think it was on W-5 or the fifth estate. it was really interesting to see "the other side" of winning a jackpot.

if i won a jackpot... i don't know where this "new circle of rich friends" would come from. i suspect that friends/family would be lost, because they weren't receiving any or very much benefit from the jackpot that they feel they should.
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Old 08-25-2010, 12:22 PM   #25
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Watch "The Lottery Changed My Life" series. Mind you it's US winners and a lot of them are pretty frivolous but still some good stories in there. The tax hit they take is friggin' huge down there.
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