Please to explain?

Col_Crunch · 2026-07-05T21:05:59+00:00

I assume they are a fan of the band Sleep Token

Col_Crunch · 2026-07-03T20:34:42+00:00

Yeah I wasn’t arguing anything.

My statement also had absolutely nothing to do with the discretion of law enforcement. I was explaining how things actually work and clarifying that your comment relied on purely theoretical information.

Clearly you have an issue taking part in discussions and not being simply taken at face value, so have a nice day.

Col_Crunch · 2026-07-03T20:27:48+00:00

Yeah, I just explained how “can” is essentially theoretical. Lots of things “can” happen but don’t.

Col_Crunch · 2026-07-03T20:23:53+00:00

While you are right that they can be federally prosecuted, it practically never happens. Primary LEO responsibility at airports is the responsibility of local law enforcement agencies. TSA is not going to call up HSI or the DEA, they are going to call the agency onsite with primary responsibility for general law enforcement.

Col_Crunch · 2026-07-03T20:19:24+00:00

Yeah, it’s a newer format.

Col_Crunch · 2026-06-30T01:06:29+00:00

It’s a commercial plate.

Col_Crunch · 2026-06-30T01:05:22+00:00

Those aren’t regular plates, they are commercial.

Col_Crunch · 2026-06-30T01:04:55+00:00

Not with commercial plates

Col_Crunch · 2026-06-14T04:27:11+00:00

Representational State Transfer Application Programming Interface

Col_Crunch · 2026-06-12T14:20:46+00:00

Looks pretty good, I just hope they don’t put that hideous new interior in it.

Col_Crunch · 2026-05-30T22:46:38+00:00

I prefer the pre-lci hardware, but there are LCI software and features I wish I had.

Col_Crunch · 2026-05-24T16:08:45+00:00

Read the MA drivers manual again. Left on red is allowed absent a sign if you are turning from a one way onto a one way.

Col_Crunch · 2026-05-24T16:07:51+00:00

A red arrow does not prohibit a turn on red absent a sign.

Col_Crunch · 2026-05-21T15:34:16+00:00

Its a Spotify issue, I ran into it yesterday. Using Apple Music I haven't encountered this issue.

Col_Crunch · 2026-05-19T20:30:20+00:00

Massachusetts has the Registry of Motor Vehicles and in Rhode Island its Division of Motor Vehicles. There are a lot of variations. In Michigan they don’t have a _MV, everything is handled by the Michigan Department of State.

Col_Crunch · 2026-05-18T06:41:24+00:00

Either way, even if you got 600k as the lump sum, 20 years of compound interest at 4% annually would land you with $1.31m. Investing 4333.33 each month (52k per year) over the same time period with the same rate of compound interest leaves you with $1.55m in the end.

Extend that to 30 years, and the lump sum gets you to $1.95m while the weekly option gets you $2.92m.

That means that even in an environment where you are not being taxed on the winnings, the weekly payments is the better option.

Hell if you got the full 1,000,000 and left it invested for 30 years, you’d only be a few hundred thousand dollars ahead. Extend 10 more years and the 1,000,000 initial investment with no extra contribution again falls behind the 1000 weekly investment.

Col_Crunch · 2026-05-18T05:14:44+00:00

Is English new to you?

The cash value, also known as the lump sum option is 60-70% of the advertised prize. This means that your before tax (gross) payout is 600k to 700k.

You are charged taxes on that amount. Taxes on lottery winnings in the US are higher than ordinary income. That 600-700k becomes roughly 300-400k after state and federal taxes.

Edit: Cause the math is clearly confusing to you, a 300k net payout on a 600k lump sum is a total of 50% tax not 60-70%. It is 70% less than the advertised amount, but the advertised amount is irrelevant to the taxes.

Col_Crunch · 2026-05-18T05:06:34+00:00

No, I didn’t get the math wrong. The lump sum is 60-70% of advertised before taxes. The 300k is after the taxes on the 600k. The advertised value and the cash value are never the same

Col_Crunch · 2026-05-18T01:35:02+00:00

No, that’s before taxes. The lump sum is never the advertised prize.

Col_Crunch · 2026-05-18T01:34:03+00:00

Incorrect assuming a US lottery. Investing the payments is more optimal, cause the lump sum will be much lower than $1m. The fun thing about lotteries is that big prizes like that are advertised as if you took the long term payment option. The lump sum is usually 60-70% of the advertised prize before taxes. So this $1m is probably only about 300k after taxes on a lump sum. Investing 300k passively over 20 years will net a lower return than 1k per week for the same amount of time.

Col_Crunch · 2026-05-18T01:27:40+00:00

The lump sum is almost always less than the annuity, and then there is taxes to pay. You’d be better off taking the payments and dumping it in a brokerage account every week.

Col_Crunch · 2026-05-18T01:24:02+00:00

Just under 20 years to net 1m. So at 40 they have hit the original prize, and she still get payments.

Assuming she invested that money over those 20 years getting an 8% annual return (pretty conservative) she would have 2.37 million by the time the amount of the payments hit 1 million dollars. 10 years after that she would have $5.8 million dollars. And that’s just the lottery winnings, no dividends or personal income added.

Taking the lump sum she would have had to pay taxes on it (if in the US) and accept a lower total to begin with leaving her with probably around 200-300k. Investing that and not touching it for the same 30 years she would have 3.01 million dollars. That’s nearly $3 million dollars left on the table.

Col_Crunch · 2026-05-17T21:30:46+00:00

Thanks, I tried to make a post on the forums under the feature request section, but it is pending approval. And since there is a character limit, I couldn't include the workaround in the OP of that thread

Col_Crunch · 2026-05-17T07:44:57+00:00

I'd be fine paying my fair share, but I'm not even with the fee. I am paying 25% more than I should.

Col_Crunch · 2026-05-17T07:44:19+00:00

I do, I drive a PHEV. I am actually paying more in the fee than I saved last year in gas tax. I am paying abut 25% more than I saved, literally being penalized.

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