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LOAD MORE. As with most lotteries, Irish lotto not only makes millionaires out of ordinary people, it also contributes to charity. Raising approx.
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LOAD MORE. How do I check my Saturday Lotto ticket? How do I claim my Saturday Lotto prize? People who have trouble controlling their spending might prefer the discipline of receiving the money as an annuity.
But you will want to compare the effective yield of the annuity with what you could earn by taking the money as a lump sum, paying the taxes and investing the proceeds.
You can opt for buying life insurance policies to cover the estate tax bill if taking an annuity will leave your family without the cash they need to pay estate tax if you die before the set period of installment over the fixed years.
You have 60 days from the time you claim your lottery prize to weigh the pros and cons. During this time, ask advisors to crunch the numbers and help you decide which type of payment suits you best.
Avoid sudden lifestyle changes. Remain calm for the first six months after you win the lottery. You can set aside a fixed amount for this indulgence and celebration.
Save the big purchases for later and plan your budget accordingly. Pay off all your debts. Whether it is credit card debt or a mortgage, your rate of return equals the interest rate on the loan.
Gather a team of legal and financial advisers. You have to cautiously judge who is helping you and who is trying to use you. Rather than signing on to a group of advisors that someone else has put together, have your own lawyer, accountant and investment advisor, and have them to work together.
Check broker records at the Financial Industry Regulatory Authority. For attorneys and insurance agents, see whether there have been any complaints filed with state disciplinary authorities.
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