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Old August 1st, 2007, 08:55 PM
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Default If you suddenly had 50 million dollars......

First and foremost, quit my job immediately!!!

Pay all bills big and small

My top two dream vacations;

Book a 1st class flight to Hawaii and stay about 30 days!!

Book another 1st class flight to Fiji Islands and stay another 30 days!

Back to the homefront, find and buy my dream home near the ocean

Throw a HUGE catered pool party for family and very close friends,

Relax and enjoy our new home with hubby!!!


P.S. I always said I would do this if I became rich, and I am sticking to it;

Sponsor 6 innercity teenagers with the best grades, and they would all received full scholarships to any college of their choice. I would choose the number 6 because thats the month and day I was born.


Can't think of a better way to spend that money! and they all succeed, its money well spent!

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Old August 1st, 2007, 09:42 PM
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Buy a suite on the ResidenSea, the cruise ship you live on.
Open a recycling business in Tahiti.
And the inner city kid thing, too.


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Old August 1st, 2007, 10:11 PM
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Originally Posted by Phil&Liz
Buy a suite on the ResidenSea, the cruise ship you live on.
Open a recycling business in Tahiti.
And the inner city kid thing, too.


Phil & Liz
Residensea, WOW!! thats nice If only my husband would cruise
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Old August 1st, 2007, 11:16 PM
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I would only tell my lawyer, my accountant, my son and my best friend, outside of that I would tell no one (and I would send my lawyer to collect my money)

I would not change my lifestyle or buy anythng expensive or quit my job

I would change my phone number and never post on these boards again

I would establish my non profit

I would send my friend Luanne a small donation so she could help the kids that she teaches

In about 2 years from this date, I would throw one heck of a party on the Dave Koz Smooth Jazz Cruise
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Old August 1st, 2007, 11:23 PM
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I don't want to be greedy, I'd settle for 1 million!
I'd quit working, invest the money, retire, and make sure my kids were well set up in their lives.
Oh, and book a dream cruise of course!

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Old August 1st, 2007, 11:47 PM
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I would not change my job, but would buy a new house, and pay off what we owe.

I would establish a fund for kids with the lowest grades, and give them the step up they needed. I would gladly take Venice's money for that same purpose.

I would start a non profit organization to lobby Washington on heath care for Veterans.

I would also not let anyone know that I had the money, because you can't help everyone, and I am a softy.

I would probably not tell Jim either, because he would quit his job, and then sit home and complain that he had nothing to do.

I don't picture me cruising more than once or twice a year, but if anyone knew I had the money, I might be in a situation where "Let's grab the money and throw the old lady over board"

I would be one of those good Santa's you hear about once in awhile who gives out money once a year on street corners.
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Old August 1st, 2007, 11:48 PM
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Hey RD - nice pool!!!

Winning - give to my favorite charities and my friends some. Like the idea of the innercity kids. And, of course, cruise in a much fancier cabin.
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Old August 2nd, 2007, 01:05 AM
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Who says I don't ALREADY HAVE 50 million???

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Old August 2nd, 2007, 01:49 AM
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One of our locals who worked for a Charity Kitchen feeding the downtrodden won a million.
He quit his job at a Tel co and started working at the Kitchen full time.
He then went out and bought them a brand new commercial oven.
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Old August 2nd, 2007, 04:13 AM
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If I won $50 Million I would..........

Make a generous donation to cancer research.

Make a generous donation to develpomental disabilties, mental retardation, autism and mental health foundations.

Retire and travel. Probably buy a house here in Florida.

Make sure my daughter and grandchildren are set for life.

Laura
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Old August 2nd, 2007, 06:10 AM
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Would not quit your job???? Would continue to live as you do now??? You have to be kidding!!! My job would be over day one. I may not make sweeping changes in my life style but I would make some, like immediate retirement. I would vacation a lot, I would help out friends and family, I would donate money and (more importantly) time to charites I donate to now. And I would have lots of fun.

And cruise, of course.
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Old August 2nd, 2007, 06:50 AM
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I would not quit my job, because I love what I am doing. I am still considered young compared to some, and I think I would go batty without my school kids to look out for.
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Old August 2nd, 2007, 06:56 AM
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Donna--

If you ever stumble into $1 million, don't quit your job before you have a serious sit-down with a very competent finacial professional. A million bucks ain't what it used to be. In fact, the financial community doesn't much talk about "millionaires" any more. They now talk about HNWI's, which stands for "high net worth individuals," which is usually defined as those with $1 million in investable income, exclusive of their homes. There are now well over 2.5 million people in the US who fit this description, and well over 3 million in North America as a whole. Those whose million includes their home equity are known as "mass affluent," "emerging affluent," "sub-HNWI," or "HNWI wannabees." And there are about 10 million of those. So, having the kind of money you're talking about is not at all rare any more, and the reason of course is inflation--compounded inflation. It's interesting that when we were kids, "millionaire" was the definition of wealthy, but only now is it beginning to be elcipsed by the "HNWI" idea as inflation marches on.

$50 million, well, that's another story, even after taxes. But you know what, the idea of NOT quitting your job isn't ridiculous at all, depending on your age. Sometimes that anchor is important, and some people find working when they don't have to very rewarding. Louise, the original poster, could probably do all the things on her list--within reason--for about a tenth of that $50 million.
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Old August 2nd, 2007, 08:01 AM
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I would hire AR as my financial consultant and instead of paying him in cash, I would send him on a cruise per year if his advise continues to make me money..bad year..he gets an inside cabin..good year..balcony cabin (VBG)

someone once wrote a book that talk about 26 lottery winners in New York and the only one who came out ok was the winner that did not change his modest lifestyle..everyone else did not fare as well

also depending on your health, if you like your job and you have a good health plan, you should stick with it for no other reason then being able to manage that health component
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Old August 2nd, 2007, 08:21 AM
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You WOULD quit your job. When word got out, and it would, people would hound you to death for money not to mention all your 'relatives' you didn't know you had coming out of the woodwork.
You can read real stories of people who have won big sums of money in the lotteries.
And someone said send their lawyer to get the money. You've got to be kidding. There isn't a lawyer anywhere I would trust that much. The lotteries will agree to anonimity(sp) so I would get my own money.

Invest most of it and try to become one of the 765 billionaires.
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Old August 2nd, 2007, 08:45 AM
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Venice--

That's how I pay my financial guy--except that I buy him cars. In a bad year he only gets a Lexus. Well, maybe it just feels that way.

And of course you're right that lottery winners who screw everything up are the rule, not the exception. That's mainly because most people have no experience handling money beyond the standard paycheck-to-paycheck routine. And since they don't know what they don't know, they just go berserk and make one bad decision after another.

Not all of those bad decisions have to do with friends and relatives hounding them for money, but that does play a part.

As for "getting" the money, neither my lawyer nor I would go and "get" it. It would be transferred electronically into a number of separate money market "parking lots" that I would establish while my advisors and I were working out how to allocate/invest it. And before I would even allow that to happen, I would undertake a detailed analysis of the tax situation with accountants and planners, because with numbers that big, even the nature of constructive receipt can change the tax picture.
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Old August 2nd, 2007, 09:03 AM
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I wouldn't change things too much from what they are. I'd pay off both my daughters homes, and probably buy them a vehicle each. (The one with my grandsons would get a top of the line Honda Odyssey, and the other daughter an Acura) I'd quit my job, (planning to reture in a year or so anyway) and we too would cruise in much nicer cabins.
Residensea????Not on your life. I too saw the T.V. show about these snobs, and they are not my kind of people.

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Old August 2nd, 2007, 09:04 AM
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I have about 15 years left to work, so quitting my job would not be a problem for me at all

My husband has very good insurance at work, and he said he would continue to work until whenever!

He has every summer off, so our vacations would be spent at our tropical pool in the yard or in Myrtle Beach!!!!!

Good comment about the health insurance!!!
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Old August 2nd, 2007, 09:13 AM
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Quote:
Originally Posted by CruzNut
Hey RD - nice pool!!!


!! Thats her " Lido deck"

Phil & Liz
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Old August 2nd, 2007, 11:53 AM
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Well, I would pay off all those college Loans and what ever other debt is linger in the shadows. Pay off my nieces and nephew's colleges debts too - to give them a little boost. Also make sure my mom was taken care of and my in-laws - as they are all elderly.

I would pay off all our church debts too and add central air to the sanctuary - we really need it during our hot, humid summer days, even tho' we don't have a lot of them.

A goal at our church is to start a pallitive care home, for people who have no family, to give them a place to go while to die - this would be a privilege to provide.

I have only driven used vehicles - usually bought with close to 70,000 miles on them...so I would buy a new car of some sort. Nothing extravagant - just new and in any color I had a whim for.

Our local High School is in desperate need for a new running track and a score board for the Field Hockey team - sports my kids were involved with - I woul like to provide those too.

Make sure local kids had warm clothes for winter. Help Kids in our church who are poor be able to go to college.

Travel a little more. My dh would never retire so young - so extensive travel would have to wait. Maybe help bring some economic stability to our area. This part of Vermont has the highest umemployment rate consistently. Maybe buy a franchise of St. Hubert?

I would love to have a little farm with mini goats, donkeys, sheep and alpacas, but that might be unrealistic.
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Old August 2nd, 2007, 12:01 PM
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Quote:
Originally Posted by VTJen
Well, I would pay off all those college Loans and what ever other debt is linger in the shadows. Pay off my nieces and nephew's colleges debts too - to give them a little boost. Also make sure my mom was taken care of and my in-laws - as they are all elderly.

I would pay off all our church debts too and add central air to the sanctuary - we really need it during our hot, humid summer days, even tho' we don't have a lot of them.

A goal at our church is to start a pallitive care home, for people who have no family, to give them a place to go while to die - this would be a privilege to provide.

I have only driven used vehicles - usually bought with close to 70,000 miles on them...so I would buy a new car of some sort. Nothing extravagant - just new and in any color I had a whim for.

Our local High School is in desperate need for a new running track and a score board for the Field Hockey team - sports my kids were involved with - I woul like to provide those too.

Make sure local kids had warm clothes for winter. Help Kids in our church who are poor be able to go to college.

Travel a little more. My dh would never retire so young - so extensive travel would have to wait. Maybe help bring some economic stability to our area. This part of Vermont has the highest umemployment rate consistently. Maybe buy a franchise of St. Hubert?

I would love to have a little farm with mini goats, donkeys, sheep and alpacas, but that might be unrealistic.
WOW,

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Old August 2nd, 2007, 12:02 PM
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50 million...

Immediately hire a COMPETENT accountant/ financial advisor.

Pay off the family's debt... ONE TIME ONLY!

Retire.

Live off the interest.

Travel to my heart's content.

Keep an eye on that advisor.
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Old August 2nd, 2007, 12:17 PM
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Let's see now. $50 million and keep working because of the health care plan ?
I believe with $50 million, you either don't need a health plan or one could afford the best one available.

Most everyone says they wouldn't change much and intentions are good. But the truth is, everyone would change in some way. Just reality and the nature of the beast.
If one 'earns' that kind of money over a period of time, they change as needed and gradually. If one wins or otherwise winds up with that kind of money abruptly, I'll guarantee you'll change a lot of things in your life. First and foremost would be privacy and security.
Just one example - If you think you are going to keep the same phone number, I don't think so unless you hire someone to answer it.
I doubt most of us even realize how a windfall of that amount would adversely affect our lives.
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Old August 2nd, 2007, 03:04 PM
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I would go cruising 2 times a year!!! each one 6 months!!!!!!!
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Old August 2nd, 2007, 03:16 PM
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50 million????

I would hire AR as my financial consultant, not pay anything off ( why do I care I'll never need credit again) Not tell anyone at work I won, I would just work a few more weeks at the FD and spend that time telling so called leaders that they are idiots and being generally insubordinate. Then I would have AR invest all my money and live within the means of my investment returns (plus my pension) The one thing I would like to do is buy an oceanfront sports/raw bar on the ocean in the keys and doc my 40ft boat, I would live on the boat and have kuki run the restaurant and spend my days relaxing and having fun.
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Old August 2nd, 2007, 03:47 PM
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yea, how did we come by this amount.?.inheritance, lottery, wheel well of an Eastern 727 from places south of the border or what ?

if you like your job and have a good health plan and enjoy your coworkers then just go part time

I would suspect with that amount of cash flow, you would have people coming out of the woodwork and trying to sue youor be overly nice to you..if you didn't bother with me when I was broke...I don't have time for you when I have some money
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Old August 2nd, 2007, 04:02 PM
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Default If You Suddenly Had $50 Million Dollars

Fifty million dollars, would definitely change my life, no question about it!

I'd take care of the necessary stuff first. Have a new roof put on the house, new landscaping, then redo everything inside, along with a kitchen remodel. My husband needs a new car. I'd also pay off all the bills. THEN I'd hire an excellent financial planner. Michael, I'd keep an eye on that guy, too!

I would not tell anyone that I had that kind of money. If people found out, then they do, but I would not broadcast it. More personal security would be a must.

I wouldn't go crazy with giving my money away to family members, relatives, and charities but I would increase my yearly donation to the American Diabetes Association.

More travel would be on the agenda, as well.

Judy
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Old August 2nd, 2007, 04:47 PM
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I asked my hubby again how would we want to spend the money, and he said he probably would quit his job, but to keep from getting bored, buy a top of the line RV and hit the road, or spend 6 months in Europe, which would at top of his must do list!
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Old August 2nd, 2007, 08:53 PM
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Default If You Suddenly Had Fifty Million Dollars

Haven't been able to get this thread out of my mind. I just read an article about a local developer. At age 48, he has made 1.2 billion dollars. Judging from AR's post, it must be a great deal of work taking care of all that money.

With regard to donating to charities, it occurs to me that these people must get income tax breaks for their contributions. Given that fact,
I guess with my $50 million, I could donate to something else besides the ADA! The above mentioned developer gave $500,000 to a local children's charity and got a building named after himself and his wife, plus he gave another $500,000 to the Republican Party. No wonder he's good friends with CA's gov!

Judy
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Old August 2nd, 2007, 09:20 PM
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Judy

Well, of course, it depends on what you want to accomplish. If you have $1.2 billion at age 48, you can keep it in cash and bonds and live out the rest of your life in the lap of luxury, pay virtually nothing to financial planners. Because even at a modest 4% annualized return, $1.2 billion will kick out $48 million a year! And that's without breaking a sweat.

After taxes maybe $30 million; in CA maybe a little less.

At that rate, a half-million here and a half-million there is literally pocket change. With numbers like that, a certain "critical mass" factor takes over and you don't have to do very much if you don't want to, except maybe be very careful of your PIN number!

If Mr. 1.2 would be a little more aggressive, he should easily be able to earn our "benchmark" $50 million each year, after taxes. And that, of course, has nothing to do with any future earnings he may get by developing things.

BTW, I thank all of you for choosing me as your financial planner. Makes me almost wish I were one.
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