Hope you're not looking for anything exciting here, as I'm completely convinced that sudden overwhelming wealth would have very little effect on me. Obviously, my lifestyle would change a bit. For starters, I sure as hell wouldn't be working at AT&T. More than likely, I'd look for a part-time gig doing something that I really enjoy - photography, working at a library, mowing lawns...I don't know. After paying off all of my debts, I'm pretty sure I'd go shopping for a new vehicle. Not sure if I'd go the RV route or not, though it would be tempting. It'd be nice to be able to live out of an RV for the next 10 years or so, but I'm not convinced that I'd like driving something that big very often. Maybe something like a Hummer would be more to my liking.
The brass band would certainly receive a sizable donation, if the board could give me a good reason for needing it; and the new stadium that's being built at Furman would have my name on it.
Prominently.
I think there'd also be a new endowed scholarship at that school with my website's name on it.
After spending on those little things, I'd be left with around $335,000,000 (remember, I had to pay taxes on the original half-billion), so the fun could really begin. I figured to give about $2,000,000 each to my siblings and Dad (if he wanted it - he certainly wouldn't have to worry about money at any time, at any rate). The way I figure it, a gift of $2,000,000 is perfect - you use about half of it to pay the taxes on the gift, and you put the other half into an account that pays 4% interest. If you're not a complete goob, you could live off the interest for the rest of your life. Not in high style, mind you, but not in poverty, either.
So I'm down to $325,000,000 now.
There's a decent possibility that I'd buy some land in Vermont, but not a lot. After all, I'd have to pay property taxes on it. One idea would be to buy the land and put a certain amount - we'll call it a million bucks - into some sort of vehicle that would automatically pay the taxes out of the interest earned in perpetuity. Not sure exactly how that'd work, but I'm sure that there are accountants who'd know how to do it. I wouldn't mind paying the taxes. I just wouldn't want to deal with the hassle if it could be avoided.
So let's say that I've dumped two million on the Vermont deal. I still have $323,000,000 left. My renter would get about $500,000, Jenny would get a few million, a very small handful of friends would get one or two million each, and I'd find a cause or two that I think should get some money - a zoo or two, the humane society, maybe a youth sports organization (though I'd have to think REALLY carefully about that one).
And that'd leave me with around three hundred million....with which I'd have absolutely no idea what to do. Some of it would have to be used to screw people or organizations that I don't like, but I'm not entirely sure who or what (or how). The rest? I guess I'd open up a few hundred savings accounts or something. I mean, I'd never be able to spend that much, but I'd want it to be FDIC insured anyway. When it gets right down to it, I figure that I could live an incredibly full life on about $5,000,000 (face it- that's 50 years worth of a pretty good salary). After paying off debt, there's no reason to have any more than that, and why anyone - ANYONE - wants to have more than that is honestly beyond me.
But, at least for now, I don't need to think about it anymore; because, as previously noted, I didn't win the lottery.
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Night Lake |
I mentioned in my last post that I spent several days in Waukegan last week and had a good time. There was one slight downside to the trip, and I'm still not entirely sure how it happened. I got two voice mails on Tuesday afternoon. The first was from a photography store in Calumet, IL, and the second was from the fraud department at Discover Card. Apparently, someone managed to steal my Discover Card information during the 20 minutes that I spent paying bills (online) from my hotel room last Wednesday afternoon, and they used the information to buy a $17 e-card (online postcard, I guess) and to attempt to buy $2,500 worth of something at the photography store. Since I've - literally - never charged anything to my Discover card, their fraud department was all over it; and my card was cancelled (and all charges were dismissed) by 8:30 Tuesday night. On Wednesday, I talked to the photography store, let them know that it was a bogus charge, and learned that whoever stole the card information also learned my correct mailing address, though they were having whatever they tried to buy shipped to Maryland - in my name, apparently.
I'm not thrilled that my mailing address is apparently obtainable from the act of spying on my online bill-paying, but it appears that no harm was done. While paying the bills, I also paid my mortgage and two other credit cards, and I'm not sure if it would've been possible to grab my bank account information from those transactions or not, so I've been keeping a close eye on all of those accounts - so far, all seems to be normal. I'll continue to watch.
Lesson learned, at any rate. I will never again pay my bills from a hotel room. I can do most of the bill paying from my phone, anyway. I just like to keep a spreadsheet, which is why I normally use the laptop.
Today's picture is one that I drew with my little paint program (Fresh Paint) on my surface, and I call it something catchy: "Night Lake." I'm certain that, at some future date, it will be worth that $5,000,000 that I need.
TWD