to Win You Again Trembling Hands Lyrics
Everybody needs money to survive. It's a fact we may not like, only it's notwithstanding a fact. Some other inescapable truth is that most of us could use more coin for the things nosotros need every bit well as the things we just want. That probably makes the promise of winning the lottery sound like a dream come true, but the reality is much more than complicated than that.
Consider this cautionary tale of a woman in desperate need who won an unbelievable corporeality of money. The choices and mistakes she made after winning ultimately resulted in losing it all. Her story reminds us all to never forget that money doesn't buy happiness.
Come across Marie Holmes
When she was 26, Marie Holmes was living a difficult life in North Carolina. She was a hard-working, single mother of 4 with two low-paying jobs. On top of this, one of her children had merely been diagnosed with cerebral palsy.
Because of her kid'due south special needs, Marie was forced to quit both of her jobs to care for him full time. Obviously, the $188 one thousand thousand lottery windfall seemed like a Godsend when Marie won, merely unfortunately, she made a series of poor decisions that resulted in her losing it all.
Marie's Original Plans
Marie made some promising comments most what she planned to exercise with the lottery money — $127 1000000 after she chose to get information technology in a lump sum. "First I'm going to pay my tithes, because I wouldn't have none of it if it weren't for God."
"After that, I'thousand going to set up accounts for my kids…I'm going to buy a firm for me and my kids, and then brand certain my family is all good." Marie too told WGN-Television, "I don't have to worry about the word 'struggle' no more than and neither practice [my children]."
The Waiting Game
Although nigh lottery winnings are non life irresolute, lottery jackpots are huge, and at that place are rules for claiming those winnings. If a person wins less than $599, the institution that sold them the ticket pays them their winnings. Nevertheless, in that location is a lengthy procedure involved in claiming large lottery winnings.
The ticket has to be verified past a scanning machine. Next, at that place is a waiting period for the money to exist awarded, and the winner must fill out some identification paperwork. Last, the winner must decide if they want all the coin in a lump sum or have information technology dispersed in installments for 30 years (on boilerplate).
Choices, Choices
I of the more than difficult choices when a person wins millions of dollars in a lottery is whether to get the money in a lump sum or in installments. The dilemma occurs because in that location is a big penalty for getting all the money faster in a lump sum.
Marie had the option of collecting the entire $188 million over 30 years or forfeiting $61 million and collecting the remaining $127 million much sooner. Financial experts commonly recommend taking the lump sum and investing the money. That allows you the opportunity to make money on your winnings instead of the state. Marie chose the lump sum.
Uncle Sam's Cut
Many people don't know how much taxes people have to pay out of lottery winnings in the U.South., so nosotros'll pause it downward for you. Although the entire revenue enhancement amount wasn't reported in Marie Holmes' case, she definitely paid millions to the government.
In the U.S., lottery winnings are considered income past the IRS, on both the country and federal levels. Therefore, North Carolina would accept taken 5.8% of Marie's $127 million, and the Federal Government would take taken anywhere from 25% to 39.6%, depending on taxation bracket and other factors. Most people pay the highest rate.
Setting an Case
When Marie won the lottery, she had plans that all sounded very honorable. She said she would donate first to her church building and and then move out of her mobile home and purchase a new house for her children. She also planned to set up college funds for them.
Marie told NBC, "All the struggle that I ever went through, it was all for [my children]. I want them to understand that money doesn't change y'all, simply information technology can help you." The public roughshod in love with Marie afterward hearing about her history of poverty and hard knocks earlier she became wealthy.
Could She Handle It?
The reputation that Marie had in her hometown and elsewhere was that of a hard-working, unmarried female parent who, according to her family and friends, "understood the value of a dollar." At one point, she had two jobs — Walmart and McDonald's — to support her 4 children. Therefore, nobody expected her to brand poor decisions about where the money would go.
Of grade, no i took into account that Marie was inexperienced and uninformed virtually how to handle big amounts of money. When she started deciding how to spend the lottery money, the public viewed her equally immature and irresponsible.
Financial Counselor, Please?
When people who aren't wealthy win a lot of money, it'southward highly recommended that they seek professional person assist about how to manage the coin, including what NOT to practice with information technology. The average American has absolutely no feel handling large amounts of money.
Financial advisors warn that fifty-fifty titanic amounts of money can disappear rapidly if it isn't invested wisely. In the case of Marie Holmes, it seemed like her centre was in the right place and she was doing what she thought was right, simply some skillful advice definitely would accept helped her out.
The Bad Judgment Begins
The first thing dubbed a poor judgment call by the public was the $xv,000 Rolex that Marie bought her young man, Lamar "Hot Sauce" McDow. The watch was more than jewelry than a timepiece and was reportedly "dripping with diamonds."
That aforementioned boyfriend ultimately price Marie much more than. The Port City Daily reported Lamar was a gang fellow member and a drug dealer after he was arrested and charged with "conspiracy to traffic in opium or heroin" in April 2016. He continued to get arrested throughout their relationship, and Marie spent millions on his bail and defense.
The Saga Continues
Earlier beingness sent to jail on drug charges in 2014, Lamar McDow lived with Marie Holmes and her children in her trailer. When he was released from jail after serving his sentence, he lived in the $350,000 home that she had purchased after winning the lottery.
According to the Daily Mail, of the original amount of $188 one thousand thousand, Marie was left with virtually $88 million afterward deciding to accept her winnings in a lump sum and paying taxes. This is withal a very big amount of money, but a loss of $100 million is obviously very significant.
Leeches Coming Out of the Woodwork
Predictably, lots of people immediately started asking Marie and her boyfriend for money later on they heard she won the lottery. The people included friends, family members and numerous others, all requesting various amounts of coin for all kinds of reasons. Unfortunately, this experience is mutual for lottery winners.
Marie and Lamar were constantly harassed for coin handouts, and it became very stressful for them. Marie was quoted every bit saying, "When coin comes, there are more than issues," according to reports.
Racial Intolerance in Their New Home
Another problem that plagued Marie and her family in their new life in their new dwelling house was harassment from neighbors due to racial prejudice. The neighborhood that Marie moved into with her family was an intolerant, primarily white community, and much to the family'south chagrin, the residents were not interested in irresolute.
According to Lamar, "One neighbor set upward a camera to tape everything we were doing. If I was driving down the road and going at the speed limit, they would wave at me for going too fast. They did non want u.s.a. there. They were prejudiced." Lamar reported these disturbing events to the Daily Mail.
The Church Donation
Marie stayed true to her word, which was reported in a press release as "The first thing she promised was to tithe — requite a tenth of her winnings to charity." Marie donated a total of $700,000 to her hometown church, Pleasant Colina Missionary Baptist Church, located in Shallotte, NC.
The church reportedly used the coin for much-needed renovations. Marie told the press the church building was an important office of her life and her faith and that she had been attention that item church since she was a child.
Pastor Disaster
Unfortunately, a different pastor made contact with Marie and her family unit with an evil ulterior motive. Pastor Kevin Matthews claimed that "God led him to them," and although they certainly regretted it subsequently, Marie and her family believed him and allowed him into their lives and their dwelling house.
Soon later on meeting Marie, Pastor Matthews asked her for $1.5 million so he could build a retreat. Co-ordinate to him, Marie verbally agreed to fund the project, although there is no bear witness to back up that. He then went ahead and began construction on the retreat using his own money. Marie did not contribute.
Wicked Intentions
Citing a verbal understanding in which Marie allegedly promised to donate $1.5 1000000 for his retreat, Pastor Kevin Matthews announced publicly that he was suing Marie Holmes for $10 one thousand thousand. The amount of money named in the suit was baffling, considering the amount he was allegedly promised was much less.
The public believed Pastor Matthews was being ungrateful and greedy. His behavior seemed unbecoming of a Christian leader to most people of organized religion. The justification for his lawsuit was that he had a verbal agreement with Marie for a money donation and compensation for "emotional distress."
Public Outrage
Every bit shortly as the media caught air current of the lawsuit, they uncovered that Matthews did non appear to be affiliated with whatsoever church. This led to a astringent, angry public backfire. People shamed Matthews for existence a fraud and trying to scam a dainty lady out of her rightful winnings.
One YouTuber, "Donald the Repentless," was so mad about this that he put out videos entitled, "F*** You Pastor Kevin Matthews." Public stance was clear that this and then-called "pastor" was nothing just a money-grubbing scam artist preying on a dainty lady to get his hands on a lot of undeserved money.
To Acme Information technology Off: Infidelity
In more bad news for Marie and her children, the media reported that her ex-convict boyfriend was being unfaithful. Unfortunately, it was likewise reported that she herself paid Lamar's mistresses hush money to get away instead of getting rid of him.
In more reputation damaging news, a video surfaced on Facebook of a woman who claimed that in addition to Lamar adulterous on Marie, he was also stealing money from her to pay prostitutes for "sexual favors." Unfortunately, the video went viral, every bit juicy gossip often does.
Powering Through
Instead of withering nether the scrutiny of the media and the public, Marie decided to take desperate measures to ameliorate her circumstances. She gathered her force and took matters into her own easily by turning to a well-known life bus to go some advice about how to improve her life.
Marie contacted Iyanla Vanzant, who has her own bear witness advising people about their relationships on the Oprah Network. Vanzant is a renowned author and motivational speaker with a huge following due to her reputation for changing people's lives for the ameliorate.
The Truth Revealed
In another surprising twist, when Marie went on the Iyanla: Fix My Life talk evidence, her mother, Fontella, came out and revealed that the numbers she chose for the winning lottery ticket were actually hers and that they had a very special meaning.
"I kept dreaming virtually your brother that we lost. His altogether, he was the 3rd child, he'd have been 25 that year. Those were the numbers." When Marie asked her mother why she didn't claim the money for herself, Fontella replied, "I simply wanted you to better yourself for the babies."
The Scoop on Lamar McDow
Lamar "Hot Sauce" McDow was fortunate enough to stay in Marie's good graces long plenty to fight jail 3 times, to the tune of millions in bail and legal fees. The first time Marie bailed him out, it cost her $3 million in bail coin.
Before a year had passed, Lamar was arrested again, and Marie bailed him out again for $half-dozen 1000000. The tertiary fourth dimension Marie bailed out Lamar, information technology was $12 meg. You would think she would accept been repulsed by his criminal behavior, but she just kept spending the coin, resulting in widespread criticism.
Misery Loves Company
Marie was warned by many people that if she connected her relationship with Lamar, she could end upwardly with criminal charges herself. Unfortunately, that's exactly what happened. One night, Lamar violated his parole curfew. When the police came, they discovered marijuana in the house.
Tragically, Marie was arrested for possession in front of her children. Marijuana remains illegal in North Carolina, simply there is a pregnant racial bias about who is criminalized for it, according to the ACLU. The same number of white people as black people use marijuana, but blacks are 3.73 times more likely to exist arrested.
The Boyfriend Defense
Lamar eventually got aroused at the people criticizing Marie for spending her money bailing him out of jail, and he lashed out. To the Daily Mail service, he asserted, "We are a couple, and I am the father of her youngest child. This is what people do for each other."
Lamar went on to say, "She has the money, and she can do what she wants with it. If I had that money, then I would practise the same for her. People are just jealous because of how much she won, and people desire to see me locked in jail."
The Wolf Pit
During the taping of the Iyanla show, the bad headlines merely kept rolling in. Marie's family and fifty-fifty former friends started accusing her of actually stealing the lottery ticket from her mother, despite Fontella freely admitting on idiot box that she had given the ticket to Marie.
To add together to the stress and drama, Lamar went to jail at this time on a seven-year sentence for charges related to possessing and selling heroin. True to grade, Marie persisted in pushing forwards and moving on with her life, demonstrating her strength and resilience.
A Goal Met
Despite poor taste in partners, Marie did make some adept decisions well-nigh what to practice with some of her coin. She ended up giving $9.vii million to diverse charities. Part of that money went to the brand-new Marie Holmes Foundation, which was established to provide for children in need.
Marie's foundation provides necessities for underprivileged children. It also holds community events, which are how some children get their schoolhouse supplies and their Christmas presents. The foundation helps struggling immature mothers like Marie was before she won the lottery.
Do Christians Take a chance?
Marie was raised a devout Catholic, and she leans heavily on her Christian faith. Some people criticized her for playing the lottery at all, because it tends to be frowned upon by the church. People have mixed opinions when information technology comes to Christians gambling.
I pastor said this to the Christian Post: "Yous can't be against the lottery, but your youth department is doing a RAFFLE! Same thing, pastor. Aforementioned THING!" The stigma remains about gambling existence an irresponsible money-waster. Others contend that there is naught specific said about gambling in the Bible, and then it's okay when information technology's non abused.
The Root of All Evil
Other religious people, such as one pastor cited in the Christian Post, pointed out that the Bible says that money is where evil originated. He scolded Marie for ownership the lottery ticket and went on to say, "Get-go, we must baby-sit against our beloved of money."
It should be noted that when the Bible does mention "casting lots," it's not normally talking nearly fabric gain, simply about God. In an example of this, Proverbs 16:33 states, "The lot is bandage into the lap, merely its every determination is from the Lord."
Some Friendly Advice
We recommend that others read the unfortunate story of Marie Holmes in case they find themselves in her shoes. It's not at all easy to become from rags to riches, and similar versions of her story have happened to others.
It's of import to understand tax laws for the long term, the rules of the lottery and investment options if yous ever find yourself in the position of receiving a large windfall of money. Be certain to hire a proficient professional financial expert to help yous decide how to manage your money to avoid reckless decisions.
A Cautionary Tale
If you lot ever happen to find yourself in the unlikely position of winning the lottery some things to watch out for include government laws, lottery rules, state and federal taxes and your previous unpaid debts. These things can assistance y'all calculate your expendable income.
Information technology may be unwise in the initial excitement to promise lots of charitable giving, like Marie did, without first doing the math to encounter what your take-home corporeality really is. Multiple millions of dollars may seem like an enormous amount, but equally Marie discovered, it's easy to burn down through it quickly if you lot are uninformed.
Further Drama
Some recall that Marie had a run of terrible luck after she won the lottery, while others call back she brought her woes upon herself with poor decision-making. A few think the truth lies somewhere in the middle of those two black-and-white judgments.
Aside from spending millions on her young man — who somewhen ended upward in federal prison house anyhow — Marie likewise made some other questionable decisions after winning the lotto, such as buying her swain a business organisation of his own and ownership her mother a firm. She besides had harassment charges filed against her for allegedly calling a woman repeatedly to threaten her.
The Bottom Line
The ending of this story is mostly grim, although Marie Holmes did do some positive things with a lasting touch earlier the concluding of her money was gone. She didn't seem to realize that she would be under a microscope with the media and the public.
Here are a couple more tips, just in case yous ever hit it big: Don't trust anyone asking for money, fifty-fifty if they seem to accept a very respectable social status (like the pastor who sued Marie Holmes). Remember the expert that money tin can do, just don't forget the bad. No matter what, don't make bold promises immediately afterwards winning.
Source: https://www.reference.com/business-finance/what-not-to-do-if-you-win-lottery?utm_content=params%3Ao%3D740005%26ad%3DdirN%26qo%3DserpIndex
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