Cash For Annuity

In your heart, you know you are going to win a lotto jackpot eventually. Or else why do you buy lottery tickets? Here is some advice for your head and heart while you get ready to win.

1) Don’t make promises you do not intend to keep. It is easy to tell someone: “If I won the lottery, I would pay off your mortgage” or “When I win the lottery, I will buy you a new car” Such statements, even meant as sympathy for another’s plight, can come back to haunt you. You may forget you said it. Yet when you do win the lottery, that person to whom you uttered your promise will remember vividly and expect to collect their “due” And if you pay off the mortgage or buy that car, it will not mean as much if it had not been “expected” or “promised”

2) Don’t trust anyone to hold your lottery tickets before the drawing. When large sums of money are involved, it is surprising how a long-standing friendship or family tie can become meaningless. Be forewarned: Buy your own lottery tickets — or at least have them in your own safekeeping before the drawing takes place. As an extra precaution, sign the back of your winning lottery tickets immediately. After the drawing, possession is 99 percent of the law.

3) Stick to a budget. Don’t play with money you are afraid to lose. Scared money seldom wins. Keep it fun so that your attitude remains positive. Enjoy it with others by pooling your money with friends, family or co-workers. Not only is it more enjoyable playing with others, but it also stretches your lotto budget. When you pool your money with others, you can afford to use the larger lotto wheels.

4) Have your lotto pool sign a Pooling Agreement. Pooling your money with others to share in more lottery tickets is a great idea, but do not pool your money with anyone without a signed agreement. You may think you are risking only a few dollars. But if the lottery ticket wins, you have put at risk potential millions.

5) Don’t be afraid to skip a drawing. To further stretch your lotto dollar, play a large wheeling system once a month and skip the other drawings in between. Or use the money you might have spent (but didn’t) on some other form of entertainment. If you have a multiple prize win, you can afford to spend more on lottery tickets next time, such as playing two or more lotto wheels. You may be on a hot streak. When you don’t win, stay on a self-imposed budget until you win again. But keep in mind, there is one thing all lottery jackpot winners have in common: They all bought a lottery ticket!

6) Keep your lottery tickets safe. Keep your lottery tickets in a safe place and check them immediately after the drawing. Collect your small prizes (under $600) right away before the expiration date. Most states give you only 30 days to claim small wins from lottery agents. After that, you must mail them in or visit a claim center.

7) Save your losing lottery tickets. Save all of your losing lottery tickets because they are tax deductible, dollar for dollar, against your lottery wins. Receipts for other gambling losses can also be deducted against lottery wins. When you win even a second prize, you will be glad to have those deductions at tax time.

Play some low-odds games. If you want to start winning sooner rather than later, invest the greater portion of your lottery budget on the cash-5 game offered in your state. You will win more prizes more often when you play the lower odds pick-5 games. Top prize might be only a hundred thousand dollars or so. Nevertheless, I guarantee that when you win one, you will be very, very happy!

9) Trust your hunches. Although my strategies are scientific, based on mathematical probability, I am a great believer in playing hunches, too. If you feel strongly about a certain number, play it. Your inner conscious mind becomes stronger and more accurate as you use it. Even your hunch muscle has to be exercised to work efficiently. It is very important to think of yourself as a lucky person — to think of yourself as a winner.

10) Practice saying, “No,” before you win the lottery. The most important word any jackpot winner can learn to say is an emphatic “No!” Many jackpot winners have gone bankrupt because they allowed freeloading friends, relatives, neighbors, and others to bleed them dry. If you think you don’t have the backbone to harden your heart against endless sad tales of need and greed, then do not accept your lottery win in a lump sum. Opt for the annuity payout and collect your lottery win in annual installments.

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Banks make most of their money through convenience fees charged to customers. When you are in the market for a new checking account or want to move to a new bank, there are a number of things you should take into consideration before selecting the bank to open your checking account with.

Insurance

It used to be very rare for a bank to fail. The current economy has increased bank failures though, and when looking to open any bank account, it’s important to take the possibility of a bank failure into consideration. The Federal Deposit Insurance Corp insures deposits from eligible banks and financial institutions in the US up to $250,000 per depositor. Make sure your bank is covered by the FDIC before you open an account with them.

Choosing a Checking Account

Most everyone relies on a checking account in order to pay their bills and hang on to their money before it’s needed for a purchase or expense. You have a number of checking accounts from which to choose, from free accounts (no maintenance fees) that don’t require a minimum balance; to accounts that offer interest if you maintain a certain minimum balance; to money market deposit accounts with higher interest paid but higher minimums required and a limit to the number of transactions you can make in any given month. There are specialty accounts for groups of people, too – like student checking, or senior citizen accounts.

Compare your local bank checking account options with online checking account options to find an account that will charge you the least amount of fees and provide the most interest for how you are likely to use the account.

Avoiding Overdraft Fees

People who live paycheck to paycheck often end up paying hundreds of dollars each year in the form of bank overdraft fees. At an average of $39 per occurrence, overdrafts are costly fees that you should do everything in your power to avoid! What happens when your account falls short is the bank will honor the largest debit or check that’s outstanding first, which means each of your smaller checks will result in individual, overdraft fees. Instead of bouncing a single check, you end up paying an NSF (non sufficient fund) on each of the individual transactions.

While many banks will cover the non sufficient funds for you under “overdraft protection” all that means is your money is paid out to the person or business you wrote the check for or used your debit card for; but that the bank will charge you for that privilege. See if you can get standard overdraft protection, and link your checking account to a savings account. If your account is overdrawn they can tap into your savings account for the funds instead of charging you for the NSF.

Some banks hold your deposits for 10 business days for larger or nonlocal checks. Standard wait time for a regular check deposit can be 2-4 business days. This can make it difficult – if you are cutting things close, always find out when a deposit will come available so you know when you can use the money from the deposit.

Understand Your Debit Card

Almost all checking accounts include a debit card, but this is another way for banks to make money off their account holders. Sometimes if you use the debit card as debit at the retailer, you pay a fee – but if you chose credit instead at the same retailer, it wouldn’t cost you anything more than the cost of whatever you’re buying.

Using your debit card in an ATM machine owned by another bank will result in paying fees to the other bank, and your own bank as well. Paying $5 or $6 to take $40 out in cash is never a good idea, but you may not even realize it since the ATM only announces the fees of their OWN bank (not what your bank will add at the end of the month).

Using a debit card to reserve travel accommodations or purchase gas sometimes puts a hold on your account that’s more than what you actually spend. It can take a week or two for the hold to be lifted, and meanwhile you don’t have access to any of those funds which can result in overdrafts if you’re not aware.

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In this edition of Speaking of Settlements, Mark Wahlstrom discusses the huge sea change in the settlement industry that has been brought on by the federal take over of AIG. While some might argue with that description, the fact is that 80% of the company will be in the hands of the US government thanks to the $85 billion infusion of cash. What is the impact going to be on the annuity holders, claimants, policyholder and lawyers who do so much business with AIG? What are the impacts of the structured settlement industry where AIG has market leadership? Listen in and find out, or go visit The Legal Broadcast Network to learn more.

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