lump sum or installments?

[livnxxxl]

Lump sum, You do more with your money. Invest wisely in whatever.

That was the same thing I thought as well.

[jds1911a1]

technically you normally get "less" with a lump sump payout. also some people can't trust themselves not to blow it all. personaly I would take the lump payment. I would rather deal with it and the taxes all at once (knowing It would also put me in a state to make estimated payments the next text year due to an overly inflated tax bracket in the payout year). In payout plus 1 I have to way overpay my taxes and end up with a huge refund but after year 3 things settle down. That would require paying a tax preparer just to be safe for 3 years but it's worth it.

I can use that money and invest in a secure long terminvestment (class 3 transferable weapons and gold bars never lose value and usually have a very good return) but are expensive pools to dive into. Then to grow fast I could put some into a speculative shorter term investment (stocks, classic cars, or toys)

I would also put away alot of money in 529 college investment plans for my kids

[Adam West]

When you refer to gold bars....do you mean gold buillion? If so, gold certainly can and does lose value. It is a good hedge and definitely something worth adding to anyone's portfolio since Gold in theory can never drop to zero but it does swing dramatically.

[Nostalgiabuff]

What heirs?

I don't have any...

time to get busy then!

[HardyGirl]

Lump sum. I can decide for myself how to dole out my cash. (and I did get my lump sum when Mom died).

[jds1911a1]

When you refer to gold bars....do you mean gold buillion? If so, gold certainly can and does lose value. It is a good hedge and definitely something worth adding to anyone's portfolio since Gold in theory can never drop to zero but it does swing dramatically.

as a short term investment yes the prices vary wildly, just like a stock but ulnike a stock gold has inherant value (or will for so long as as a culture we put value on it and since it still has value after thousands of years that's a safe bet). Over the long haul it always retains value even if you bought at a high price in 10-15 years that price evens out into a profit just not as much. The great thing about gold is it works as a speculative or long term investment.