Fighting to Win Back Your Love Again Lyrics
Everybody needs coin to survive. It's a fact we may not like, but it's all the same a fact. Another inescapable truth is that most of united states of america could utilize more money for the things we need also equally the things we just desire. That probably makes the hope of winning the lottery sound like a dream come true, but the reality is much more complicated than that.
Consider this cautionary tale of a adult female in desperate need who won an unbelievable amount of money. The choices and mistakes she made afterwards winning ultimately resulted in losing it all. Her story reminds us all to never forget that coin doesn't buy happiness.
Run 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 four with two low-paying jobs. On peak of this, one of her children had just been diagnosed with cognitive palsy.
Because of her child's special needs, Marie was forced to quit both of her jobs to care for him full time. Plainly, the $188 million lottery windfall seemed like a Godsend when Marie won, but unfortunately, she made a serial of poor decisions that resulted in her losing it all.
Marie's Original Plans
Marie made some promising comments virtually what she planned to do with the lottery coin — $127 million later on she chose to get information technology in a lump sum. "Commencement I'grand going to pay my tithes, because I wouldn't have none of it if it weren't for God."
"After that, I'chiliad going to gear up accounts for my kids…I'g going to purchase a house for me and my kids, then make sure my family unit is all adept." Marie also told WGN-TV, "I don't have to worry almost the word 'struggle' no more and neither practise [my children]."
The Waiting Game
Although most lottery winnings are non life changing, lottery jackpots are huge, and there are rules for challenge those winnings. If a person wins less than $599, the establishment that sold them the ticket pays them their winnings. Withal, at that place is a lengthy process involved in challenge large lottery winnings.
The ticket has to be verified by a scanning machine. Next, there is a waiting flow for the coin to exist awarded, and the winner must fill out some identification paperwork. Final, 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
One of the more difficult choices when a person wins millions of dollars in a lottery is whether to go the money in a lump sum or in installments. The dilemma occurs because there is a large penalisation for getting all the coin faster in a lump sum.
Marie had the pick of collecting the entire $188 million over 30 years or forfeiting $61 million and collecting the remaining $127 1000000 much sooner. Financial experts commonly recommend taking the lump sum and investing the money. That allows y'all the opportunity to brand coin on your winnings instead of the country. Marie chose the lump sum.
Uncle Sam'south Cut
Many people don't know how much taxes people accept to pay out of lottery winnings in the U.S., then we'll break information technology downwards for you. Although the unabridged tax corporeality wasn't reported in Marie Holmes' instance, she definitely paid millions to the authorities.
In the U.S., lottery winnings are considered income by the IRS, on both the state and federal levels. Therefore, North Carolina would have taken 5.8% of Marie's $127 million, and the Federal Government would have taken anywhere from 25% to 39.6%, depending on tax subclass and other factors. Near people pay the highest charge per unit.
Setting an Example
When Marie won the lottery, she had plans that all sounded very honorable. She said she would donate first to her church and and so move out of her mobile dwelling and buy a new firm for her children. She also planned to prepare college funds for them.
Marie told NBC, "All the struggle that I ever went through, information technology was all for [my children]. I desire them to understand that money doesn't alter you, but it can help you." The public vicious in love with Marie afterward hearing near her history of poverty and difficult knocks before she became wealthy.
Could She Handle It?
The reputation that Marie had in her hometown and elsewhere was that of a hard-working, unmarried mother who, according to her family and friends, "understood the value of a dollar." At i point, she had two jobs — Walmart and McDonald's — to support her four children. Therefore, nobody expected her to make poor decisions about where the money would go.
Of course, no one took into business relationship that Marie was inexperienced and uninformed well-nigh how to handle large amounts of money. When she started deciding how to spend the lottery money, the public viewed her as immature and irresponsible.
Financial Counselor, Please?
When people who aren't wealthy win a lot of money, information technology'south highly recommended that they seek professional person help about how to manage the money, including what Non to do with it. The average American has absolutely no experience handling large amounts of money.
Financial advisors warn that even titanic amounts of money can disappear rapidly if it isn't invested wisely. In the example of Marie Holmes, information technology seemed like her centre was in the correct place and she was doing what she thought was right, but some expert advice definitely would have helped her out.
The Bad Judgment Begins
The start thing dubbed a poor judgment call past the public was the $15,000 Rolex that Marie bought her boyfriend, Lamar "Hot Sauce" McDow. The watch was more than jewelry than a timepiece and was reportedly "dripping with diamonds."
That same boyfriend ultimately toll Marie much more than. The Port City Daily reported Lamar was a gang member and a drug dealer afterwards he was arrested and charged with "conspiracy to traffic in opium or heroin" in April 2016. He connected to get arrested throughout their human relationship, and Marie spent millions on his bond and defence force.
The Saga Continues
Before being 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 later serving his judgement, he lived in the $350,000 domicile that she had purchased subsequently winning the lottery.
Co-ordinate to the Daily Mail, of the original amount of $188 million, Marie was left with nearly $88 million after deciding to take her winnings in a lump sum and paying taxes. This is all the same 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 they heard she won the lottery. The people included friends, family members and numerous others, all requesting diverse amounts of coin for all kinds of reasons. Unfortunately, this experience is common for lottery winners.
Marie and Lamar were constantly harassed for money handouts, and information technology became very stressful for them. Marie was quoted equally saying, "When money comes, there are more than problems," according to reports.
Racial Intolerance in Their New Home
Another problem that plagued Marie and her family in their new life in their new domicile was harassment from neighbors due to racial prejudice. The neighborhood that Marie moved into with her family unit was an intolerant, primarily white customs, and much to the family's chagrin, the residents were non interested in changing.
According to Lamar, "One neighbor set up a camera to tape everything nosotros 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 not want us there. They were prejudiced." Lamar reported these agonizing events to the Daily Mail service.
The Church Donation
Marie stayed truthful to her word, which was reported in a press release as "The first affair she promised was to tithe — give a tenth of her winnings to charity." Marie donated a total of $700,000 to her hometown church, Pleasant Hill Missionary Baptist Church building, located in Shallotte, NC.
The church reportedly used the money for much-needed renovations. Marie told the press the church was an of import part of her life and her religion and that she had been attention that particular church since she was a child.
Pastor Disaster
Unfortunately, a dissimilar pastor made contact with Marie and her family with an evil ulterior motive. Pastor Kevin Matthews claimed that "God led him to them," and although they certainly regretted information technology subsequently, Marie and her family believed him and allowed him into their lives and their home.
Soon after meeting Marie, Pastor Matthews asked her for $1.5 million and then he could build a retreat. Co-ordinate to him, Marie verbally agreed to fund the projection, although at that place is no evidence to support that. He so went ahead and began structure on the retreat using his own money. Marie did not contribute.
Wicked Intentions
Citing a exact agreement in which Marie allegedly promised to donate $i.5 million for his retreat, Pastor Kevin Matthews announced publicly that he was suing Marie Holmes for $10 meg. The amount of money named in the suit was inexplainable, considering the amount he was allegedly promised was much less.
The public believed Pastor Matthews was beingness ungrateful and greedy. His behavior seemed unbecoming of a Christian leader to almost people of organized religion. The justification for his lawsuit was that he had a verbal agreement with Marie for a coin donation and compensation for "emotional distress."
Public Outrage
As soon as the media caught air current of the lawsuit, they uncovered that Matthews did not announced to exist affiliated with whatsoever church building. This led to a astringent, angry public backfire. People shamed Matthews for being a fraud and trying to scam a nice lady out of her rightful winnings.
One YouTuber, "Donald the Repentless," was then mad almost this that he put out videos entitled, "F*** You Pastor Kevin Matthews." Public opinion was clear that this so-chosen "pastor" was nothing but a money-grubbing scam creative person preying on a nice lady to go his hands on a lot of undeserved money.
To Top It Off: Infidelity
In more bad news for Marie and her children, the media reported that her ex-convict young man was being unfaithful. Unfortunately, information technology was also reported that she herself paid Lamar's mistresses hush money to go 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 coin from her to pay prostitutes for "sexual favors." Unfortunately, the video went viral, as juicy gossip frequently does.
Powering Through
Instead of withering under the scrutiny of the media and the public, Marie decided to take drastic measures to improve her circumstances. She gathered her strength and took matters into her own hands past turning to a well-known life coach to get some advice nearly how to improve her life.
Marie contacted Iyanla Vanzant, who has her own show advising people nigh their relationships on the Oprah Network. Vanzant is a renowned author and motivational speaker with a huge post-obit 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 show, her mother, Fontella, came out and revealed that the numbers she chose for the winning lottery ticket were really hers and that they had a very special meaning.
"I kept dreaming about your brother that we lost. His birthday, he was the third child, he'd have been 25 that yr. Those were the numbers." When Marie asked her mother why she didn't claim the money for herself, Fontella replied, "I just wanted yous to meliorate yourself for the babies."
The Scoop on Lamar McDow
Lamar "Hot Sauce" McDow was fortunate enough to stay in Marie'southward adept graces long plenty to fight jail iii times, to the tune of millions in bond and legal fees. The first time Marie bailed him out, it cost her $3 million in bond coin.
Before a year had passed, Lamar was arrested over again, and Marie bailed him out again for $vi 1000000. The third fourth dimension Marie bailed out Lamar, it was $12 million. Y'all would recall she would have been repulsed by his criminal beliefs, but she just kept spending the money, resulting in widespread criticism.
Misery Loves Company
Marie was warned past many people that if she continued her relationship with Lamar, she could finish up with criminal charges herself. Unfortunately, that's exactly what happened. I dark, 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, but there is a significant racial bias most who is criminalized for information technology, according to the ACLU. The same number of white people equally black people employ marijuana, but blacks are three.73 times more likely to be arrested.
The Boyfriend Defense force
Lamar eventually got angry at the people criticizing Marie for spending her money bailing him out of jail, and he lashed out. To the Daily Post, he asserted, "Nosotros 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 tin practise what she wants with it. If I had that coin, then I would do 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 just kept rolling in. Marie's family and even former friends started accusing her of really stealing the lottery ticket from her mother, despite Fontella freely admitting on television that she had given the ticket to Marie.
To add to the stress and drama, Lamar went to jail at this time on a seven-year judgement for charges related to possessing and selling heroin. True to form, Marie persisted in pushing forward and moving on with her life, demonstrating her strength and resilience.
A Goal Met
Despite poor taste in partners, Marie did brand some expert decisions almost what to practice with some of her money. She ended upwards giving $nine.7 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 besides holds community events, which are how some children become their school supplies and their Christmas presents. The foundation helps struggling young mothers similar Marie was before she won the lottery.
Practice Christians Gamble?
Marie was raised a devout Catholic, and she leans heavily on her Christian organized religion. 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 it comes to Christians gambling.
One pastor said this to the Christian Post: "You can't be confronting the lottery, but your youth department is doing a RAFFLE! Aforementioned thing, pastor. Aforementioned Affair!" The stigma remains virtually gambling being an irresponsible money-waster. Others argue that there is nada specific said most gambling in the Bible, so it's okay when information technology'southward not abused.
The Root of All Evil
Other religious people, such as ane pastor cited in the Christian Post, pointed out that the Bible says that money is where evil originated. He scolded Marie for buying the lottery ticket and went on to say, "Showtime, nosotros must guard confronting our love of money."
Information technology should be noted that when the Bible does mention "casting lots," it'south not usually talking nearly material proceeds, but about God. In an instance of this, Proverbs 16:33 states, "The lot is bandage into the lap, simply its every determination is from the Lord."
Some Friendly Advice
We recommend that others read the unfortunate story of Marie Holmes in case they detect themselves in her shoes. It'southward non at all easy to become from rags to riches, and similar versions of her story have happened to others.
It'south of import to understand tax laws for the long term, the rules of the lottery and investment options if you ever detect yourself in the position of receiving a large windfall of coin. Be sure to hire a practiced professional financial expert to assistance you lot make up one's mind how to manage your money to avoid reckless decisions.
A Cautionary Tale
If yous ever happen to find yourself in the unlikely position of winning the lottery some things to sentinel out for include authorities laws, lottery rules, state and federal taxes and your previous unpaid debts. These things can help you calculate your expendable income.
It may be unwise in the initial excitement to hope lots of charitable giving, like Marie did, without starting time doing the math to see what your take-dwelling amount actually is. Multiple millions of dollars may seem similar an enormous amount, just as Marie discovered, it's like shooting fish in a barrel to burn through it quickly if you are uninformed.
Further Drama
Some think that Marie had a run of terrible luck after she won the lottery, while others recollect she brought her woes upon herself with poor controlling. A few retrieve the truth lies somewhere in the middle of those two black-and-white judgments.
Bated from spending millions on her boyfriend — who eventually concluded up in federal prison house anyhow — Marie also fabricated some other questionable decisions afterward winning the lotto, such equally buying her beau a business of his own and buying her female parent a house. She besides had harassment charges filed against her for allegedly calling a woman repeatedly to threaten her.
The Lesser Line
The ending of this story is more often than not grim, although Marie Holmes did practise some positive things with a lasting impact before the last of her coin 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 you always hit it large: Don't trust anyone request for money, fifty-fifty if they seem to have a very respectable social status (like the pastor who sued Marie Holmes). Retrieve the adept that money can practice, simply don't forget the bad. No matter what, don't brand bold promises immediately after 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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