20.4亿美元！美国加州开出了人类史上最高奖金彩票

华尔街见闻2022-11-09

尽管不是自己中奖，但赢得强力球头奖，而且还是人类彩票史上最高的头奖，光是想想已经很激动人心。强力球彩票官方周二表示，美国加州阿塔迪纳市售出了一张20.4亿美元的破纪录头奖彩票，这名幸运到飞起的彩票持有者，成为世界史上最高奖金彩票的获得者。加州彩票公司发推文说，这张彩票是在乔氏服务中心（Joe’s Service Center in Altadena）售出的。Powerball.com网站上公布的...

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朱翔_6536
·2022-11-10
10億，每年3個點就有3000萬了。
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未来期货
·2022-11-09
推遲開獎，最後還是逃脫不了內盤的方式結束戰鬥
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彭信栋
·2022-11-09
中國人可以買嗎
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嘞撸虎7
·2022-11-09
閱
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饥不择食
·2022-11-09
我就想問問，扣完所有費用，還剩多少錢。
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龙疼虎乐
·2022-11-09
肯定要一次性提走[開心] 其他選擇都有風險
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- 龙疼虎乐:
  哪儿都一样[开心]
  2022-11-09
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- 棋魂:
  你以为那是国内...
  2022-11-09
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2036159d
·2022-11-09
我要是買，就是我了
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尧月
·2022-11-09
投資賠了算誰的…
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昨夜梦见你
·2022-11-09
牛逼
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liuxiangwei
·2022-11-09
[微笑]
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- liuxiangwei:
  [微笑]
  2022-11-09
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Mingzu
·2022-11-09
[微笑]
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- Mingzu:
  [微笑]
  2022-11-09
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California has opened the highest prize lottery in human history","themeId":"","isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/cfec67556e42556ace67b684a5e4bace","symbols_score_info":{},"content_text":"尽管不是自己中奖，但赢得强力球头奖，而且还是人类彩票史上最高的头奖，光是想想已经很激动人心。强力球彩票官方周二表示，美国加州阿塔迪纳市售出了一张20.4亿美元的破纪录头奖彩票，这名幸运到飞起的彩票持有者，成为世界史上最高奖金彩票的获得者。加州彩票公司发推文说，这张彩票是在乔氏服务中心（Joe’s Service Center in Altadena）售出的。Powerball.com网站上公布的结果也显示，在加州有一位中奖者全部中了6个号码。据称，周一晚上创纪录的强力球大奖的抽奖被推迟了几个小时，抽签最终于美国东部时间周二上午8点57分在佛罗里达州塔拉哈西（Tallahassee）举行。可以想象，美东时间11月7日晚上，不知道有多少人苦苦守候在屏幕前，等待成为亿万富翁的那一刻，而延迟可能导致很多人经历了一个无眠之夜。强力球官方协会称，周一的头奖达到创纪录的19亿美元，但到开奖时已增至20.4亿美元，“使其成为世界上最高的彩票奖金”。中奖的号码是10-33-41-47-56，红球是10。统计显示，赢得头奖的几率是2.922亿分之一。加州彩票发言人Carolyn Becker说，中奖者尚未现身，并补充说：“今天上午某个人正拿着一张非常重要的票子。”尽管中奖者尚未现身，但这张彩票确定让一个人成为了百万富翁——乔氏服务中心的老板Joseph Chahayed，他因为是售出这张中奖彩票的零售商，而获得了100万美元奖金。虽然你可能不是头奖得主，但彩票公司敦促玩家们检查他们的彩票，看看是否中了其他的奖项。根据管理强力球的多州彩票协会(Multi-State Lottery Association)的数据，超过1120万张彩票中了现金奖，总计9810万美元，其中22张彩票中了5个白色号码，但没有中强力球，赢得了100万美元的奖金。分29年拿还是一次性拿，成了幸福的烦恼？20.4亿美元是一笔天大的意外横财，很难想象这位得主此时此刻会是什么样子。不过，这20.4亿美元怎么提取，也是个问题。头奖获得者有两种方式提取他们的奖金，如果选择年金方式，分29年提取，可以带回家20.4亿美元。按年金支付方式，第一笔现金会在3000万左右，以后每一年付款都会比上一年多5%。如果选择现金方式，一次性取现，到手税前金额只有9.98亿美元，足足相差10亿元。很多获奖者都选择现金方式，毕竟“一鸟在手胜过百鸟在林” 。虽然这9.98亿美元与20.4亿美元相去甚远，但理论上奖金得主最终可以将这笔一次性资金变成超过20.4亿美元——但也有最终可能失去一切的风险。并且选择年金方式，也可能会承担税收风险。年金得主每年也需要交税款。如果未来税率下降，意味着你可以得到更多的奖金。而如果税率上升，你可能会发现自己希望一次性减少损失。但许多专家更支持年金方式。芝加哥律师Andrew Stoltmann说：“超过90%的获奖者会立即一次性领取奖金。”“这通常是一个很大的错误。”这位律师表示，头奖得主必须做出的第一个决定，就是选择分29年拿还是一次性拿，而通常他们会选错。Stoltmann表示，年金方式不仅可以带来更大的收益，而且分期付款还可以让头奖得主有机会建立一支经验丰富的团队，包括一名会计师、财务顾问和一名律师，以保障资金和利益最大化。富达理财顾问公司(Fidelity 's eMoney Advisor)的注册理财规划师、高级理财规划顾问Joe Buhrmann说，分散支付是一个值得考虑的问题，“尤其是从数学和心理学角度考虑”。他说：“即使你把钱都花光了，明年还有一张可以提取现金的支票，这是非常确定的。”并且多州彩票协会称，如今由于利率上升，与一次性现金方式相比，年金选项获得的奖金比以前更多。而9.98亿美元还有税收方面的后果：选择现金支付方式，将首先扣除24%的联邦预扣税，大约为2.39 亿美元，然后还会有37%的最高个人所得税等着要交。除非中奖者能够通过慈善捐赠等方式减少应税收入，否则还有13%（约1.297亿美元）要缴纳给美国国税局。除此之外，还可能需要缴纳州税。当然，年金方式也要交税，但如果政府为你做了这项工作（本质上是把奖金投入到债券投资组合中，而不是按照你的想法投资的话），那么投资收入的税可能就不会那么多了。如果拿来投资，在同样的时间范围内，可能赚得更多，而风险要小得多，因为年金支付是有保障的。即使在这段时间得主去世，年金会支付给指定继承人，就像其他资产一样。听了以上这些分析，如果你是得主，相信也会有所纠结吧。不过，正如佛罗里达州突发横财研究所(Sudden Money Institute)的创始人、注册理财规划师Susan Bradley所说的：“不要被这些微不足道的小事所困。无论哪种方式，回报都是巨大的，你的生活永远不会再和以前一样了。”","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":664657659,"gmtCreate":1668010403075,"gmtModify":1676537998444,"author":{"id":"3525822548139332","authorId":"3525822548139332","name":"朱翔_6536","avatar":"https://static.tigerbbs.com/c424d0b1921ad0269f6fce6f421c7884","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3525822548139332","authorIdStr":"3525822548139332"},"htmlText":"10億，每年3個點就有3000萬了。","listText":"10億，每年3個點就有3000萬了。","text":"10億，每年3個點就有3000萬了。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/664657659","repostId":1125009457,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":664658575,"gmtCreate":1668007415498,"gmtModify":1676537998073,"author":{"id":"4109929176496400","authorId":"4109929176496400","name":"未来期货","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"4109929176496400","authorIdStr":"4109929176496400"},"htmlText":"推遲開獎，最後還是逃脫不了內盤的方式結束戰鬥","listText":"推遲開獎，最後還是逃脫不了內盤的方式結束戰鬥","text":"推遲開獎，最後還是逃脫不了內盤的方式結束戰鬥","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/664658575","repostId":1125009457,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":664623359,"gmtCreate":1668001948675,"gmtModify":1676537997032,"author":{"id":"3533218884932259","authorId":"3533218884932259","name":"彭信栋","avatar":"https://static.tigerbbs.com/7a0364a5e74c66e5df93100172a9b672","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3533218884932259","authorIdStr":"3533218884932259"},"htmlText":"中國人可以買嗎","listText":"中國人可以買嗎","text":"中國人可以買嗎","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/664623359","repostId":1125009457,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":9987787952,"gmtCreate":1667997429177,"gmtModify":1676537996181,"author":{"id":"4092032122452460","authorId":"4092032122452460","name":"嘞撸虎7","avatar":"https://static.tigerbbs.com/451ff62190f624c13c07b54476dd5930","vip":1,"hat":"https://static.tigerbbs.com/4c5ceab71416b120bab4604c0754b52a","crmLevel":2,"crmLevelSwitch":0,"idStr":"4092032122452460","authorIdStr":"4092032122452460"},"htmlText":"閱","listText":"閱","text":"閱","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9987787952","repostId":1125009457,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":664688603,"gmtCreate":1667990537904,"gmtModify":1676537995521,"author":{"id":"3522400105646236","authorId":"3522400105646236","name":"饥不择食","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3522400105646236","authorIdStr":"3522400105646236"},"htmlText":"我就想問問，扣完所有費用，還剩多少錢。","listText":"我就想問問，扣完所有費用，還剩多少錢。","text":"我就想問問，扣完所有費用，還剩多少錢。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/664688603","repostId":1125009457,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":664681669,"gmtCreate":1667990289154,"gmtModify":1676537995468,"author":{"id":"3482550532367433","authorId":"3482550532367433","name":"龙疼虎乐","avatar":"https://static.laohu8.com/1530cc5cd548815469551d0b8c1c8ee8","vip":1,"crmLevel":6,"crmLevelSwitch":0,"idStr":"3482550532367433","authorIdStr":"3482550532367433"},"htmlText":"肯定要一次性提走[開心]&nbsp;其他選擇都有風險","listText":"肯定要一次性提走[開心]&nbsp;其他選擇都有風險","text":"肯定要一次性提走[開心] 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