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Skip to content. Share this: Twitter Facebook. In the next section, we'll look at where all the money goes.
Most U. In New York State, which has one of the most complicated lotteries in the country because of its payout system, "How much I am getting?
When you buy a New York Lotto ticket, you have to choose between a lump sum and a series of annual payments, and you can't change your mind later.
You would receive the first payment for 2. One year later, you would receive a check for 2. In order to guarantee that the funds for all of these payments are available, the New York Lottery buys special U.
These are also known as zero-coupon bonds. A zero-coupon bond pays a certain amount of money when it matures. The longer the amount time before the bond matures, the less it will cost you today.
When a winner claims his prize, the New York Lottery asks seven different bond brokers to quote a package of bonds that will pay each of the 25 future yearly payments.
They buy the bonds from the broker at the best price for the complete package. An investment bank holds the bonds, and each year when one matures, the funds are automatically placed in the New York Lottery's cash account.
The funds are transferred to the prize-payment account, and a check is written for the winner. Typically, the whole package of 25 bonds ends up costing the New York Lottery a little less than half of the jackpot amount.
However, most winners don't opt for annual payments. About 80 percent of winners choose the lump sum option , which is usually about half of the jackpot amount.
Since the New York Lottery has to pay a lump sum to buy bonds anyway, it is just as happy to give that same amount of money to the winner instead.
It still goes through the process of getting quotations for the bonds, but instead of buying the bonds it pays the winner the amount the bonds would have cost.
Most people take the lump sum because they figure that they can invest the money and do a little bit better than the approximate 5-percent interest that the bonds would earn.
But, if your winnings were in the millions of dollars, you would be paying closer to 37 percent the highest tax bracket in federal taxes when tax time comes.
Add state and local taxes, and you might end up with only half of your winnings when you are done paying taxes. Collect the vocabulary that you want to remember while using the dictionary.
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