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A few weeks ago I received a call from someone here in Palm Harbor who became a new client. Attorneys can be a good shield from those with immediate hands’-out after friends and relatives hear you won the Lottery. My first rule for clients who’ve  won big money – before you redeem your winning prize ticket have all your homework done.  Lottery winners are generally very anxious to get rid of the ticket and convert it to cash, but it’s best to learn about protecting and preserving your money before you get it. Questions to be answered: Should the winnings go into your individual name, or the name of a corporation, LLC, Living Trust or Family Partnership?
If you’ve ever wondered about the calculation for those who take their winnings by lump sum rather than annual payments, the value of his winning ticket was immediately diminished by around 30%. For those keeping score, between the reduction for lump sum and the taxes owed after the lump sum is calculated, Paul ended up walking away with around 53% of the amount he “won” on his ticket.
All winning tickets larger than $250,000 must be claimed in the Tallahassee headquarters of the Florida Lottery Office.
A lawyer representing a Lottery winner must have many conversations with his client to be assured that the client is adequately protected from all financial angles. Finally, if you’re lucky enough to win the Lottery and smart enough to hire legal representation, make sure to hire a lawyer who charges by the hour – not a percentage of your winnings. But make no mistake, the odds of winning the Lottery or Lotto are still astronomical and it is a huge mistake to play beyond your financial means. Brian Carlin from Cloghers, a member of Tralee Bay Sailing Club was with the Danish crew Team Vestas Wind when their vessel hit a reef in the Indian Ocean 300 miles north of Mauritius. A brand new two storey school will be built on a site next to O’Shea’s Texaco in the village. Thousands of students attending Presentation, Mercy Mounthawk, CBS The Green, Gaelcholaiste Chiarrai and Colaiste Gleann Li had a day off as members of teaching unions walked the picket line outside the schools. And it was all to promote a new organisation which is the brainchild of a Derryquay native, Eamonn Sayers.

The 83 year old Kilgarvan man had been ill for some time and died in Kerry General Hospital.
Tom ‘Roundy’ McEllistrim from Ballymac, who won several All-Ireland titles in an illustrious career which spanned decades, passed away on Sunday morning, December 7. Originally from Dublin, but living in Kerry for many years, Mrs Dowling, a mother of three, was a German teacher in Presentation Secondary School in Tralee. Murphy, a native of Oakpark, is currently filming in LA playing Russian gangster Osip Agranov in the series.
On October 8 we passed the magic million mark and on December 8, we went over 2,000,000 views from 190,000 users according to our Google Analytics data. This lucky guy had just won millions of dollars, not from a weekly lottery drawing, but from a Florida scratch off ticket, of all things.
There are many variables in how much a lump sum amount lessens the face value of the winning number, but for Paul, his take home was about 70% of the original winning amount. While the Florida Lottery takes out an immediate 25% of the lottery winnings, those who take their winnings lump sum are almost always in the highest tax bracket – currently 39.6%. For my part, I took care of Paul’s Estate Planning to protect his assets and his family in case something happened to him, along with his health care directives. Believe it or not, some online articles actually discuss this which I think is unconscionable. Planned as a 60 week project, it is hoped pupils and staff will be in the new school by Christmas 2015.
Galway, his daughter Annette Keegan and son Timothy Foley celebrated winning €350,000 at National Lottery offices in Dublin.
A post on his son Michael’s Facebook page read: “It is with a sadden heart that I have to inform people of the passing of my father, my friend and my mentor Jackie Healy Rae.
Not every lottery winner needs legal representation, but it’s a good idea for larger amounts.

However, the better course is to keep your winnings a secret from all but immediate family until everything is set up. Is the lump sum amount that will be wired to your bank safe when the FDIC only insures up to $100,000 per account?
In my client’s case the difference between the 25% that was automatically withheld and what he will owe the IRS next tax season (an extra 14.6%) amounted to an additional few hundred thousands of dollars on top of what Lottery withheld! After taxes are paid, he’ll have a few splurges (bigger house, new car), but after assessing everything with a financial investor, he decided he would continue working.
Every effort has been made to ensure that the winning numbers and other information posted on this website are accurate. Since his annual income is low he will need access to some of his winnings for all the new responsibilities of home ownership, real estate taxes and insurances. So, I accompanied Paul to the health insurance agent’s office to help him through the maze of insurance options for himself and his family.
No valid claim may be based on the winning numbers or other information contained on this website. With the right investments, the money should be growing faster than his small monthly withdrawals so this will not present a problem.
That new home purchased also required a meeting with another insurance agent for homeowners, flood and sinkhole insurance. The information should always be verified by contacting the Official Lottery before it is used in any way.
In the event of a discrepancy between the numbers posted on this website and the official winning numbers, the official winning numbers shall control.

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