DISCOVER the Road to Financial FREEDOM!

What would you do if You are a RM5 Million Lottery Winner?

Financial  Freedom?

Quit Your Jobs?

Travel?

Buy your Dream Homes?

I have a Bad news for you as a Lottery Winner!

You would be Broke again within 10 years or Less!

WHY?

If you do not manage your Finance correctly now, given another RM5 Million would not make it any better.

It would “Multiple” your mistakes, so instead of making RM5,000 mistake, you make RM500,000  mistake.

Therefore it is very important to learn to increase our Financial Intelligence even  when we do not have much money now.

If we cannot even manage RM5,000, what make you think we can manage RM50,000

Statistics has show us that most people who became Rich through Lottery typically end up broke within 10 years after they won their money.

You can avoid this by increasing your Financial IQ NOW.

Read the a real life story illustrating below.

Lotto winner Callie Rogers reveals hell her £1.9m fortune brought

CHEQUE-OUT: Shopworker Callie’s big win

TEENAGE lotto winner Callie Rogers today confesses how instant riches plunged her into a crazy drug hell – as she blew an astonishing £250,000 on COCAINE.

With only £20,000 left from her £1.9million jackpot she reveals she is battling to overcome the nightmare dark depression that has plagued her since her win aged just 16.

In her frankest interview ever Callie, 22, (whom you can see speaking on video below) told how despair drove her to attempt suicide THREE TIMES, and how she fears her two children will be taken from her.

Incredibly she admitted: “I honestly wish I’d never won the lottery money – and knowing what I know now I should have just given it all back to them.

“I was just too young to cope with suddenly having that amount in the bank when I’d come from nothing.

“In the past six years I’ve sunk into a black hole – a black hole that at one point I thought I could never crawl out of.

“I was spending a fortune on cocaine, a nasty evil drug which tears your life apart. I’ll be honest, about £¼ million of my win has been wasted on it. Most of it wasn’t for me, it was for my ex Nicky Lawson who was addicted to it.

“But it was all my money that bought it. And that makes me absolutely disgusted with myself for allowing that to happen. I might as well have thrown it down the toilet.

“I started taking coke within weeks of winning the Lottery and pretty soon I was hooked. It made me forget about all the problems in my life and at the start made me feel like everything was OK.

“But that didn’t last long and soon drugs made me fall into a deep, dark place. Somewhere which made me feel I didn’t want to live any more.

“I honestly just felt so low I thought in death I’d find a safer happier place.”

But brave Callie is now determined to turn her life round for the better, spurred on by chilling memories of the moment she hit her lowest point last November.

I sunk so low death seemed a safer place

She already had a history of attempted suicide, once before the big win and then several years ago by overdose. But late in 2008 the demons returned.

She’d not touched cocaine for three years and had rid herself of sponging fiance Nicky, but taken up with new boyfriend Ryan Thompson, a drug dealer.

Speaking from the three-bedroom terrace house where she now lives with her mum in Cumbria, Callie told us: “Suddenly Ryan made my life spiral out of control all over again, dabbling with cocaine on a couple of weekends.

“It wasn’t like Ryan was a bad guy, unlike Nicky. He was just young and naive and had fallen in with the wrong crowd.

“It wasn’t anything like when I was doing cocaine with Nicky but it sent me back to that dark place where I started to feel like I was better off dead.

“I was still recovering from my on-off relationship with Nicky and mentally I wasn’t well. He was sending me up to 100 abusive texts a day. One said, ‘Why don’t you do everyone a favour and finish yourself off?’

“It was at the end of November on Ryan’s birthday when everything just crumbled. We’d all been drinking heavily and doing cocaine. It was a Saturday night.

“A few of us went back to my house but then Ryan didn’t come home. I was calling him and calling him but he didn’t answer.

“I knew he was with another girl and I just couldn’t cope with any more disappointment in my life. The children were with my mum and dad and I just remember collapsing on the floor of my living room and sobbing. I was so wrecked on drugs and drink that most of it’s a bit of a blur.

“But I couldn’t sleep as I was so wired. And because of the cocaine I just started to get more and more anxious until the only answer was to kill myself.

“I swear it wasn’t a cry for help. I just wanted to die. I simply couldn’t take any more.

I tried to kill myself three times – it wasn’t a cry for help

“So I staggered to the bathroom and took a razor blade to my wrist. Ryan later found me and thought I was dead. He was high on drugs too but with a friend managed to get me to hospital in a car.

“I was going in and out of consciousness and willing myself to die. I remember feeling angry with Ryan because I just didn’t want to be saved.

“After the hospital stitched me up a nurse said, ‘What are you going to do if we let you go?’ And I said, ‘I’ll do it again.’

“But after a couple of hours they couldn’t keep me any longer so they let Ryan take me home then sent a counsellor to talk to me.

“And since then I have NOT touched any drugs and I’ve started to rebuild my life because I never ever want to feel as low as I was that day.

“I love my children to bits and know I have to sort myself out for them. But without them honestly I think I’d have killed myself a long time ago.”

Ryan was later jailed for 22 months after cops found £5,000 worth of cocaine and a stun gun he had hidden in Callie’s cupboard.

When Callie won the lottery back in 2003 as a £3.60 -an-hour shop assistant it should have been the start of a wonderful new carefree life.

But today she reveals how it all began to unravel within weeks when she fell for jobless Nicky – the man she blames for getting her hooked on drugs, and the man she’s battling over custody of one of their two young children.

“The first time I ever tried coke was because of Nicky,” she said.

“It was barely a month after I’d won the money. Him and a friend drove me down to the docks, parked up and got out a white substance I’d never seen before.

I won’t lie I have blown most of it .. but I don’t care

“Nicky said it was cocaine and would make me feel amazing. I was so young and naive that when he said, ‘Go on, Callie, don’t be boring, it’s only a line’ I did it.

“Pretty soon Nicky and I were doing it all the time.

“We moved into a bungalow I bought in Flimby and it was just partying all night every night. I was so impressionable Nicky brainwashed me into doing everything he said. He used to get money from me and go and score drugs for him and all his friends.

“Nicky was blowing £500 every day on cocaine as he needed about 10 grams daily just for himself. I was never that hooked but pretty much every weekend I’d snort up to three grams.

“It was only when I fell pregnant I knew I had to give it up. And up until last November I did, because I wanted so much to be a good mum.”

But it took five long years of mental torture before Callie could give up Nicky.

“He’s a vile, disgusting germ of a man I wish to God I’d never met,” she said. “He has spent about half a million just for himself and even used to draw money out of my bank account to buy me my own Christmas and birthday presents.

“And as if the drugs and taking my money weren’t bad enough he then went and slept with my younger sister Lauren when she was just 16.

“Like a fool I even took him back after that. It ruined my chances with a brillant boy called Joe who I think could have really been great for me.

“Nicky manipulated Lauren just like he did me so I never, ever was mad with her.

“I know what Nicky’s capable of. He lured her with drugs and ruined her life, too.” Callie is brutally open about how she squandered her £1.9 million.

“I won’t lie, I’ve blown most of it,” she said. “But, do you know what? I don’t care.

Nicky texted: Do everyone a favour, finish yourself off

“Because all that money has brought me is heartache. Yes I enjoyed buying fast cars, holidays and clothes for the baby but honestly I’m glad it’s nearly all gone.

“I have the £20,000 in the bank, and that’s about it. But that’s a lot more than most 22-year-olds.

“Once I spent £20,000 taking 11 of the family to Disneyland Paris. And I splashed out £12,000 on two boob jobs.

“But I can’t think about it as it just depresses me and I need to move on. As long as me and the kids have enough to live comfortably then that’s enough for me. I did set up a trust fund for my son when he was born and it had £30,000 in it.

“Every penny I made from selling interviews went into that account along with his child benefit. And I never once touched it. But Nicky treated it like his own and now there’s only £15,000 left.

“For as long as I can remember I’ve suffered from depression. And there are times in my life when I just haven’t been able to cope, like the first time I tried to kill myself with a blade when I was 13.

“I think everyone thought money would help mend my lost childhood but it just made things much, much worse.

“Suddenly I went from having nothing to having more money than I could ever imagine, and I was only 16.

“Everyone all over the world was reading stories about me and I hated being in the spotlight.

“With hindsight I wish someone had taken the money off me when I won it and given it back to me when I was mature enough to handle it.

“But now, thanks to the counselling and my family, there are more and more times when my life is starting to feel more balanced.

“And when I feel myself slipping back to a dark place I’m now getting better at coping with my depression.

“I was on anti-depressants years ago but not any more. Now I just rely on my friends and family to help me through.

“And being a mum gives me so much joy I know I have to stay on top of things.

“I just want to provide them with the peaceful safe environment they deserve. They make me so proud and I want them to feel the same about me.”

And there’s plenty of people rooting for her.

Last night a representative of Lotto organisers Camelot told us: “Our team of advisors have always offered help and support to Callie and we’re still here if she ever wants to take advantage of this.”

Callie, who has a son aged four and a daughter who’s nearly two, now dreams of finding love with a man she can rely on.

She said: “After Nicky slept with my sister I turned into a cold heartless cow. I lost all my trust and am so scared to fall in love in case someone abuses me like that again.

“All I want is to settle down and give the kids a stable family life, but I just don’t know if I’ll ever give my heart to another man.

“Nicky calls me a slag when I refuse to go back to him. But in all my life I’ve only had two one-night stands.

“I did meet someone a month ago but for now we’re taking it slowly as I don’t want to get hurt.

“We haven’t even had sex yet and we’re just enjoying getting to know each other.

“I just hope one day I find a man I can be happy with and who doesn’t hurt me. But I’ll never ever let myself fall for someone like Nicky again.”

Talk about blowing through cash.

Not only did British teen lottery winner Callie Rogers, 22, spend nearly all of her $3 million jackpot in less than 6 years, she spent a substantial amount of it on cocaine, the Daily Mail reports.

Rogers told the Daily Mail that her ex-boyfriend Nicky Lawson got her hooked on cocaine and that she spent over $400,000 on the habit.

“I was spending a fortune on cocaine, a nasty evil drug that tears your life apart,” says Rogers. “I’ll be honest. about a quarter of a million pounds of my win has been wasted on it.”

The News reported earlier in August that the young woman who won millions from the lottery as a teenager was broke, but much happier that way.

At the tender age of 16, Rogers won a jackpot of 1.9 million pounds, or about $3.1 million. But  the stress of overnight riches caused lots of problems for the teen at a time in life when a minimum-wage job is more than many kids can manage.

“My life is a shambles and hopefully now it [the lottery jackpot] has all gone I can find some happiness. It’s brought me nothing but unhappiness. It’s ruined my life,” another article in the Daily Mail quoted a friend of Rogers as saying.

Rogers has moved back into her mother’s house and is working three cleaning jobs to make ends meet, according to the Mail. She has two children, ages one and four, with Lawson.

Allegations that Lawson tried to steal her money and the heartbreaking worries that resulted led Rogers to attempt suicide – the first of two tries at ending her life, according to the paper.

And how did she burn through the rest of the money so quickly?

It was spent on expensive cars, gifts, loans to family members, four houses she bought and furnished for herself and family members, luxury vacations, plastic surgery, clothing and partying, and a trust fund for her children.

from:nydailynews.com/news/2009/08/31/2009-08-31_teenage_lottery_winner_callie_rogers_broke_at_22.html

Winning Lotto numbers not always the ticket to dreams, success

Noreene and James Gordon of Tampa celebrate their good fortune as they claim their lotto winnings of $23.98 millon in February 2000.

TAMPA – One person’s blessing is another person’s curse.

Most of us dream of winning the lottery; of days spent leisurely on the new boat, or jetting to sun-splashed beaches in southern France. For some, that sudden wealth is a burden; a constant struggle of having to say no to family and friends and yes, take what you want, to the government.

In all the cases, the sudden, life-changing wealth changes them. Whether the change is for the better depends on the person. While some relish never having to worry about how much a car or house costs, others find the newfound wealth too much to handle.

Some have stories about dreams fulfilled, about investments that ensure wealth for generations to come. Others talk about making an effort not to change at all; of continuing to work; of driving the same car, living in the same house.

And others tell of a plague of problems and of sieges of beggars; family, friends and strangers; of lawsuits between relatives and of being dragged to court by the government; and in one case, prison on tax fraud charges.

Many, contacted for this story, just didn’t want to talk about it. Here are a few who did:

Jay Vargas

Jay Vargas was only 19 last year when he won $35.3 million in the Powerball jackpot. He lived in South Carolina and worked a no-end-in-sight construction job. At the time, he lived on his own, went to school, worked and paid his own rent, he said. Life was hard.

Then his numbers came in. His life forever changed.

“I was living large, at first,” he said. “I partied hardy. When this first happened, I partied like a rock star.”

Having to deal with sudden wealth at first was a problem.

“I thought about how I’m going to maintain it,” he said. “That was the biggest thing. I had hundreds come up to me looking for money. I had a lot of lost cousins.”

He said that for the past year and a half, he has kept track of his own money and kept the partying to a minimum, which isn’t so easy when you’re 20 years old, with millions in the bank. He took a course in personal finance and so far has been on what appears to be the right track.

“I watch my own money myself,” he said, and he has made sure his life slowed down since he came to Tampa.

Now, the young entrepreneur is dabbling in the creation of a reality television show that melds two of his dreams: professional wrestling and beautiful women. He spends all his time promoting the project called “Wrestlicious.”

He works on the show out of the New Tampa home he shares with his wife and former model, Shana, and his new baby daughter.

He chose Tampa, he said, because it is home to a lot of professional wrestlers who he wants to get to appear on his show.

“Wrestling is to Tampa,” he said, “like NASCAR is to Charlotte.” Wrestlers live here and that’s who he needs to be part of his show. “If you go out,” he said, “you are going to just see a lot of those guys.”

He plans on staying in Tampa.

“I love it here,” he said. “I plan to stay here for awhile. And I’m still working. But it’s just following my dream working, the kind of work that I want to be doing,”

Rhoda Toth

For $13 million Lotto winner Rhoda Toth, who, along with her second husband, Alex, picked the winning Lotto numbers in 1990, the good luck spiraled into full blown misery.

The winnings accelerated a downward trajectory for the Hudson couple, ending in allegations of infidelity, gambling losses, estrangement, death and prison.

The money sparked enough strife within the Toth family to spark a lawsuit pitting mother against daughter.

Now 30, Tifany Diehl, the daughter, lives in Indiana and is largely estranged from Rhoda Toth, her on-again, off-again mother. Only recently has she begun speaking to her and then, only sparingly via e-mail and telephone conversations to the federal lockup that her mother calls home.

“I hurt every day inside not having a mother in my life,” Diehl said.

The winnings didn’t make a monster out of her mom, but it didn’t help, either, Diehl said. Rhoda Toth abandoned her first husband and her two children long before she won the lottery.

“There is a piece of my heart that hates that woman,” Diehl said in a recent interview. After she hit the Lotto, Toth tried to woo her children back into her life, but it didn’t work.

“She was busy gambling and running with men and living the high life,” Diehl said, and within two years of the windfall, the Toths were borrowing money to pay bills.

The Toths found themselves living in a trailer in Pasco County, drawing electricity from a device hooked up to a running car engine. The 25-year marriage, which had been in trouble for years, crumbled amid allegations of infidelity and that was before the Internal Revenue Service came knocking, looking for $1.1 million it says the Toths owed in back taxes.

Alex Toth died in 2008, several months before his trial on tax fraud charges and last year, a federal judge ordered Rhoda Toth to serve two years in prison.

The 52-year-old ex-multimillionaire pleaded guilty to filing false tax returns over several years.
Rhoda Toth is in the Federal Medical Center Carswell in Fort Worth, Texas. She is scheduled to be released in April and she’s counting the days, she said in a recent telephone interview.

She’s well known among the inmates there because of her Lotto history, she said. They call her Martha Stewart.

“I’m struggling,” she said. “It’s very hard, depressing. I have no family left. It seems like it’s been a curse on the family from day-one. When we found out we had the winning ticket, I was in shock. I told him [her husband, Alex] I wanted to give it back, I was not happy.”

The money flew out of the accounts, she said. Gambling and living large took a lot of it. Giving it away took the rest, she said.

“We were trying to please everybody,” Toth said. “We were buying cars and homes and taking people on vacation and doing things with them they have never gotten to do. Our friends, they didn’t have anything. We were paying their bills and buying them clothes. We didn’t want them running around like we were running around before.”

She has some advice to lottery winners.

“I would go get financial counseling,” she said. “I’d make sure I’d get a proper attorney and two accountants who knew what they were doing, who specialized in this kind of thing. I would go get some type of counseling myself to make sure I was able to control and handle all this.”

That winning ticket, she said, ruined her life.

“I have a trailer with no power,” she said. “I have no husband. He gave up. He didn’t want to live anymore. He hated life in general. He hated the way the money took us down.”

When she gets out, she plans to move back to Florida where a widow’s pension and a disability check amounting to nearly $1,100 a month will have to do. Out of that, she has to pay $100 a month to the IRS, which has placed a lien on her home and all her property, she said.

“It’s like a curse,” she said. “I will never get out from underneath the IRS for as long as I live. And when I die it will still be there.”

Tony Antoniou

Mamas Kitchen’s owner Tony Antoniou was born in Cyprus and won $12 million in the lottery in 1998.
Antoniou had always wanted to travel, and now he’s fulfilling his dream, although he still owns the popular eatery — well, actually, three Mamas restaurants in the Tampa Bay area and one in Nevada. That’s not to mention investments in his native land.

His three sons run the restaurants, said Mike Antoniou, who oversees the Mamas on North Florida Avenue.

The original Mamas opened on South Dale Mabry Highway in 1995 and served as the home-away-from-home for servicemen and women stationed at MacDill Air Force Base. Back then, Tony Antoniou just never took time off because he felt obligated to his customers there.

Now with his restaurants still in the hands of family, he travels a lot, Mike Antoniou said.

When he first came to the United States in 1968, he worked nights in the basement of a hotel across from LaGuardia Airport in New York.

There’s nothing like a $12 million windfall to get your hands out of the dishwater.

Investments in real estate years ago are solid, even in the downturned economy, Mike Antoniou said, and his father seldom shows up at the eateries in town, opting rather for trips to Greece and around the states.

“He’s enjoying his life,” Mike Antoniou said, adding with a chuckle, “He’s making his sons work, though. He says, ‘Hey, it’s my money.’

“He’s flies around a lot, between Greece and Nevada and here,” his son said. “He’s everywhere. He has a family business in Greece.

“Things,” he said, “are going well.”

Larry J. Gispert

Larry J. Gispert, director of Hillsborough County’s Emergency Operations Center, claimed the Jan. 12, 2007, $1.8 million Mega Money jackpot. Gispert chose the one-time lump sum payment of $1.3 million.

“I don’t think he wants to talk,” said a woman who answered the telephone at Gispert’s South Tampa home. He himself wished to keep news of his windfall on the down-low, even more than two years after his ship came in.

Gispert continues to direct operations at the EOC, taking center stage as spokesman during disasters, such as hurricanes. A county employee for nearly 30 years, Gispert has been in charge of the EOC for the past 16 years. He did not wish to be interviewed for this story.

Noreene and James Gordon

Noreene and James Gordon, a north Tampa homemaker and a retired textile worker, claimed the February 2000 Florida Lotto jackpot of $52.4 million. They chose a one-time lump sum payment of $24 million. Their first big planned purchase: a cell phone for James.

Things have changed since then.

“It’s a nightmare,” she said recently, with friends and strangers knocking and calling for a chunk of her prize.

“They don’t want a piece,” she said. “They want it all.”

Her husband died in 2006, and she has suffered three strokes since the windfall.

“People come out of the walls to take advantage of you every day of your life,” she said before ending the short telephone interview.

Betty Ann and David Messick

In December 1998, four years after winning a $9.5 million lottery, Betty Ann Messick and her husband, David, climbed back into the work force and opened the Apple Tree restaurant in Plant City.

Their money train arrived in the form of a Lotto ticket in April 1994. At the time, David Messick worked in the Plant City Parks and Cemetery department. It didn’t take long for him to decide to retire. But four years later, the Messicks un-retired.

The restaurant remained open until just recently when the shopping center where it was located remodeled and reconfigured the space. The Apple Tree never returned.

Bill Griffiths

Bill Griffiths of San Antonio won $4.1 million on June 13, 1998, a third of the total Lotto jackpot. He was 27 at the time.

“After I double-checked my numbers on Sunday,” he said at the time, “I walked into my shop on Monday at Zephyrhills Bottled Water Co. and told my boss I quit.”

With $208,666 coming his way in annual installments over 20 years, he made his hobby his full time labor of love: drag racing. Griffiths planned to pursue the sport full time and not have to worry about expenses.

The 1989 Pasco High School graduate who at the time was single and lived with his parents, vowed to put some of his winnings into a home of his own. He could not be reached for comment.

Here are the numbers

The Florida Lottery first started selling chances on Jan. 12, 1988; that was for a scratch-off game called “Millionaire.”

During the past 21 years, the lottery has donated more than $20 billion to education and doled out more than $30.4 billion to winners

from:tbo.com/content/2009/oct/01/winning-lotto-numbers-not-always-ticket-dreams-suc/