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You’ve probably heard by now that the Powerball Lotto has reached a historic draw amount at a staggering 1.5 billion dollars. However, while that is a fortune to most people, before you start making plans for your windfall you should know that taxes will leave you with considerably less than that.
To get even close to the 1.5 billion dollar payout, you would first need to opt for taking your winnings in the installments, accumulating in 30 payments over 29 years over the immediate lump sum. If you choose the lump sum, the prize money drops 38 percent to 930 million.
However, that’s not all that’s taken off your winnings. You then have to deal with the federal tax bill as lottery winnings are seen as regular income which, according to Melissa Labant with the American Institute of Certified Public Accountants, means it’s subjected to the highest federal tx rate.
‘If they win the jackpot, they’re going to be subjected to the highest federal tax rate of 39.6 percent. It’s a lot more significant than folks expect. You’re not the type of consumer the US government is looking to give a tax break to,’ said Labant, director of tax advocacy.
The U.S. government also automatically withholds 25 percent of the winnings which means you’d only be taking home $232.5 million if you accepted the lump sum.
Also, come tax season in April 2017, you’ll be expected to pay federal taxes which make up about 14.6 percent of your winnings. So save about 135.8 million dollars, you’ll be needed it.
Finally, you’ll have to factor in state taxes which will shave off an additional 15 percent. This means, if you took the lump sum, you could end up with just 422.2 million. Still quite a fortune but not the 1.5 billion that was advertised.
by Temesgen Abera / 535 Views
Sexual problems, snoring, and bleeding gums are typically thought to be minor health problems. And so, most people who experience the issues tend to just ignore them.
However, these seemingly insignificant problems are actually some common symptoms of heart disease – the number one killer in the world.
When the heart and arteries begin to fail, symptoms manifest in otherwise unrelated parts in the body, revealed Dr John Erwin, a cardiologist from Texas A&M Health Science Center.
Dr Erwin revealed six of the most common – and most surprising – symptoms of heart disease that people need to be aware of.
Keeping an eye out for these problems can lead to earlier detection of the disease – and help save lives, he said.
1: SEXUAL DYSFUNCTION
Many people think of sexual dysfunction as a problem of the reproductive organs – or the brain.
However, especially in males, sexual dysfunction is a common symptom of arterial disease.
A buildup of plaque in the arteries can cause men to have a hard time achieving – or maintaining erection.
But for women, a drop in libido usually signals a post-menopausal state.
Yet, women who are post-menopausal ‘rapidly increase’ their risk factors for developing heart disease.
Menopause itself doesn’t cause cardiovascular disease.
Dr Erwin said: ‘While menopause doesn’t cause cardiovascular diseases, certain heart-health risks – like changes in blood pressure and cholesterol levels – begin around the time of menopause.’
Furthermore, many women develop a more sedentary lifestyle in that phase of their lives.
As a result, this symptom should not be ignored.
2: SNORING OR SLEEP APNEA
Few things are more frustrating in life than trying to sleep next to a snoring person.
However, despite the annoyance of snoring, Dr Erwin revealed it can actually be a sign of heart disease.
Snoring is a common sign of sleep apnea – as is morning sleepiness after a full night’s sleep.
Dr Erwin said: ‘Sleep apnea – periods of time during sleep where you stop breathing – is associated with many physiological changes that increase the risk of both heart attack and stroke.’
Snoring can also be a sign of atrial fibrillation – which is an irregular, often rapid heart rate that causes poor blood flow.
Therefore, detection and treatment of sleep apnea can lower a person’s risk of heart problems.
So, next time you hear the person next to you snoring, perhaps suggest they see a doctor – instead of just complaining about the noise.
3: BLEEDING, SORE OR SWOLLEN GUMS
Few people would ever think that gum problems could be linked to heart disease.
However, unhealthy gums are a symptom of periodontis.
That is a serious gum infection that damages the gums – and can destroy the jawbone.
Periodontis can actually lead to an increase in inflammation across the body, according to Dr Erwein.
And, over-activity of inflammatory pathways is a strong risk factor for the development of atherosclerotic heart disease and heart attack.
Thus, it’s recommended that people follow up regularly with their dentist for oral hygiene.
They should also regularly brush and floss their teeth.
4: SHOULDER OR NECK CONSTRICTION OR ACHING
Many people feel like an ‘elephant is sitting on their chest’ during a heart attack.
And many others experience ‘a squeezing sensation in their arms.’
However, not all people go through those ‘classic’ heart attack feelings.
Instead, many heart attack sufferers feel an uncomfortable sensation, achiness, pain or pressure in their neck, jaw or shoulders.
For some, that discomfort is the ‘only sign of heart pain or a heart attack’.
5: PUFFY FEET AND LEGS
Feet and legs can swell for a variety of reasons – including something as minor as heat.
However, puffy legs and feet can also be a marker of congestive heart failure.
That’s particularly true in cases where a person has unusual shortness of breath with activity – or when trying to sleep.
While it’s also true that some swelling occurs naturally throughout the day, and tends to resolve overnight, persistent swelling is problematic.
People who have constant or worsening swelling of the feet or legs should see a doctor for an evaluation of heart failure.
6: INDIGESTION OR HEARTBURN
Heartburn and indigestion are quite common – and rarely serious.
But in some instances, those seemingly benign burning or aching sensations in the upper abdomen can be a sign of heart pain or heart attack.
Additionally, persistent gastrointestinal distress – such as intractable hiccups – can also be a precursor.
And so, when heartburn, indigestion or hiccups are mixed with nausea, sweating, shortness of breath or lightheadedness, people should seek medical attention.
Dr Erwin said: ‘It’s not uncommon to see people come into the emergency room after chewing on antacids for hours before they realize the pain is something more.’
source : Daily Mail
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