Play the new popular game including scratch cards and claw machine every day! 100% free to play! Check your fortune today! Happy scratch is a great day that you can earn free rewards easily. Begin your journey of happy scratch for a chance to win bonus and big prizes. We wish you good luck on daily lucky scratcher and claw machine games, which cost you nothing, just enjoy playing. You register on the S2Win website via Web or Mobile to win multiple times daily cash prizes from N2, 000:00, N5, 000:00, N15, 000:00, N50, 000:00, N150, 000:00 N500, 000:00, N1, 000,000:00. Each pin utilises a random number generator for all games on S2Win. You win by matching corresponding numbers after scratching the foil stripe. Our Ruby Red 7s scratch-off ticket has over $80 million in cash prizes. The $20 ticket has four top prizes of $4 million and gives you 20 chances to win. You can also try your luck on the Full of $500’s scratch-off ticket. The $5 game has over 10,000 prizes of $500. This ticket has the best odds of winning a $500 prize out of any of our $5 tickets. Although Happy Scratch makes it hard for people to cash out, I can’t call it a scam without solid proof. As I mentioned, Happy Scratch is an app where you accumulate digital currencies in the form of cash and coins. However, those are digital rewards that don’t have real value and are not yours until the company puts real cash in your pocket. Check out the download rank history for Happy Scratch in United States. Rank History shows how popular Happy Scratch is in the Google Play, and how that’s changed over time. You can track the performance of Happy Scratch every hour of every day across different countries, categories and devices.
How to Use a Lotto Payout Calculator?
A lottery payout calculator is an online program used to determine how much of a lottery jackpot you will see, instead of the lump sum advertised as the jackpot.
Most lotteries offer an advertised jackpot that is hard to get your head around, if you’re an average working person who is used to thinking of money in terms of hundreds and thousands, and not the millions. Figuring out how much the government is going to withhold in taxes, or how much an annuity is going to pay, is hard to figure in your head.
Instead, you use a lottery payout calculator tool. All you have to do is go to a website with a lottery calculator, put in the amount of the lottery winnings you expect to have, and in a fraction of a second, the lottery jackpot calculator spits out the information you’re seeking.
Cash After Taxes
One number calculated is “cash payout after taxes”. While tax rates vary from one state to the next, you can get a good general idea of how much of the lottery proceeds you’re going to see, and how much the government is going to see. Let’s take a look at an example.Imagine you win a lottery with a jackpot of $10,000,000. Then imagine you decide to take the “cash option”, where you get a lesser percentage of the jackpot up front, instead of an annuity for the next 30 years. All you have to do is put in the percentage the cash payout is (which you can find on the lottery’s official website) to see how much money you’ll actually take in-hand.
Percentage of Cash Payout
Let’s continue with this example, assuming the percentage of the cash payout you get in a lump sum amount is 55.4% (which is about average). The cash payout is therefore $5,540,000, which is what you really win with the cash option.
Taxes Withheld when Winning the Lottery
But that’s not all yours, of course. If you want to enjoy your big lottery win, you want to keep the state and federal governments happy. So you have to calculate how much of your cash payout you have to give to the government in taxes to make yourself legal. Let’s assume this amount is somewhere around one-third – we’ll say 32%.
If you take out 32% of $5.54 million, you give $1,772,800 to the various state and federal authorities. That leaves $3,767,200 in lottery cash payout after taxes.
Lottery Cash Payout after Taxes
So when you win a $10 million jackpot and take the cash option, you’re probably going to see a little over a third of that money in your checking account. Don’t be too upset, though. Somewhere between $3 million and $4 million should be more than enough to live on for the rest of your life, if you use good sense.
The problem is, many people who win the lottery don’t practice good sense. That’s why it’s good to have a firm idea in your head how much money is going to be yours. $3,700,000+ is a ton of money, but it’s not an infinite amount. If you blow your money on big houses and a fleet of cars, and then you make a few bad investments, you’re going to burn through that money real fast. So understand you have to have good sense.
Annuity Calculator
Any good lottery payout calculator is going to come with lottery annuity payout calculator, too. This is the full payout over a longer period of time, usually 25 to 30 years time. Going back to our example, you see the full $10,000,000, but it gets paid to you in annuities over a long period of years.
Let’s imagine the full jackpot annuity is paid over 25 years. Then a lottery annuity payout calculator is going to give you the amount of the annuity you are paid each year, until the lottery has entirely paid you the ten million dollars. Lottery annuities tend to start paying one amount, and the amount goes up over the course of the years. For instance, it’s common for the first year’s payment to be in the $250,000 range.
If you assume the amount starts at $250,000 and continues to increase in gradual yet steady increments over the years, you are likely to get two-hundred and fifty thousand dollars in the first year, over $300,000 by year 7, over $350,000 by year 11, over $400,000 by year 14, over $500,000 by year 21, and all the way up over $597,000 in the 25th and final year of your annuity. So it’s like you have a really well-paying job for the next 25 years of your life, with raises every year.
Should I Take the Cash Payout Option or the Annuity?
That’s a great question. Most people choose the one lump sum payout, and if you are a good business person and you save your money well, you can turn that $3.7 million into more than you’ll receive over the course of the annuity. That’s “if” you are those things.
The fact is, most “rich” people who are polled do not live in mansions, drive expensive cars, wear designer clothes, and eat gourmet foods. Most millionaires polled claim they drive nice cars, live in reasonable (yet nice) homes, prefer jeans and t-shirts to double-breasted suits and Paris fashions, and avoid the obscenely expensive restaurants.
That is, rich people conserve their money. They know how hard it is to come by money, so they keep as much of it as they can. They don’t go on spending sprees. They don’t invest in whatever investment opportunity that pops into their knucklehead friends’ heads. Instead, they live comfortably, but not extravagantly, get a stock portfolio and a stock broker who helps them diversify their investments, then find a business they know and understand (or can learn) and invest the rest of their cash in their own business ventures, and otherwise handle their finances like someone with a perishable amount of money.
If you don’t think you’ll do that with on lump sum jackpot amount, then you should take the annuity. But that’s my two-cents worth. Let’s discuss lottery payout calculators again.
Calculating Jackpot Wealth
The lottery calculator helps you start to visualize what you’ve won in the lottery, or how much you hope to win. Instead of a vast amorphous amount of money, you see what the realistic figure after all the hype has died down and the I.R.S. has taken its share of the jackpot. A good jackpot payout calculator also offers you a breakdown of the kind of money you’ll see yearly as part of an annuity, and eventually lays out before you both options in easy-to-imagine terms. This lets you make a clear-minded decision about which lottery payout you need to take: an annuity or the lump sum payout option.
This post is part of a series of posts we’re publishing about the lottery. Other posts in the series include:
Bumper scratches suck.
Whether it’s at the hands of a rogue shopping cart, a teething puppy, or your neighbor Greg mixing up the gas with the break, they can suck cash out of your wallet too.
For more severe bumper scratches, you can pay up to $600 dollars to get them repaired, according to howmuchisit.org.
The good news is, if the bumper isn’t severely scratched, you have several DIY options available that cost less than $100 bucks and will take less than an hour of your time.
Pokie com games. And considering how common bumper scratches are, knowing how to perform this repair yourself will save you a lot of time.
Before we can get to that, we need to assess the scratch to figure out how to repair it, or if it’s even feasible for you for a DIY project on the weekend.
Step 1: Assess Your Scratch
Light
Light scratches are almost entirely cosmetic, like this example above. The scratch has no depth to it, and there’s no dent associated with it. These are fairly easy to remove, and there’s no need for a more professional solution.
To tell if a scratch is light, run your fingernail over it. If it catches, it’s a heavy scratch and will need some more effort to repair.
Heavy
Heavy scratching is usually the result of you hitting something, or having your car hit by another car. Recessed scratching is accompanied by denting. The paint may be completely removed with a heavy scratch. Is ignition casino down.
It’s possible to rehab damage like this on your own, however the damage may be too severe to completely fix the issue. It’s advised that if the damage is too severe, that you take your bumper to a professional.
Step 2: Get The Required Materials
Light
- Soap
- Bucket
- Car Sponge
- Drill
- Buffer Pad
- Buffer Liquid
- Optional: Clear Coat
Heavy:
- Soap
- Bucket
- Car Sponge
- Safety Glasses
- Protective Gloves
- Dust Mask
- 180 Grit Sanding Paper/400 Grit Sanding Paper/Sanding Block
- Masking Tape
- Microfiber Cloth
- Polyester Finishing Putty/Hardener
- Spreader (you can also use cardboard or one of those gift cards you have laying around)
- Surfacer Primer
- Touch up paint (matched to your bumper color)
- Clear coat
- Blending Solvent
How To Repair Light Scratching
Step 1: Wash Your Bumper
Using your soap, water, and sponge, clean the entire area that you intend to fix. Make sure the bumper is clean, with it being free of all salts, waxes, oils, and grime.
It’s worth it to go over the affected area several times. You really want to remove any grit and road grime ahead of step 2.
After washing, rinse well and then manually wipe it down and then allow the bumper time to dry completely.
Step 2: Buff The Scratch
Take your buffer pad and attach it to the post on the buffer bad. Work the buffing compound through the buffer pad evenly, and then buff out the scratch. Work back and forth across the scratch with light pressure.
If there’s any remaining white around the scratch, use some clear coat. Allow the bumper to sit for 30 minutes, and the scratch shouldn’t be visible.
If it is, apply more buffing compound and work around the scratch again with the buffer pad.
How To Repair Heavy Scratching
Step 1: Wash Your Bumper
Using your soap, water, and sponge, clean the entire area that you intend to fix. Desert treasure 2. Make sure the bumper is clean, with it being free of all salts, waxes, oils, and grime.
It’s worth it to go over the affected area several times. You really want to remove any grit and road grime ahead of step 2.
After washing, rinse well and then manually wipe it down and then allow the bumper time to dry completely.
Don’t move on to the next step until your bumper is completely dry!
Step 2: Mask Around The Affected Area
Using your masking tape, cover around the scratched area. Take special care to mask your lights. Make sure everything is well protected before sanding.
Trust us, you’ll want to use a liberal amount of masking tape. Don’t be afraid to mask.
Step 3: Sanding The Affected Area
Using your 180 grit sanding paper, sand the affected area until everything is completely level. Work the scratched area with a back and forth motion, using firm, but even pressure.
Once level, wipe the sanded area down well until the surface is completely smooth.
Step 4: Apply The Putty
Use a clean, fiber free board (plastic is great) to mix the polyester finishing putty and hardener. The fiber free board will help you keep everything the mixture even.
Using the spreader, apply an even coat of the finishing putty. The more even the coat, the better it will stick to the bumper, and reduce bubbling.
Once the putty is spread evenly over the scratch, let it dry for about 30 minutes.
After drying, use the 180 grit sanding paper to once again level the surface. Once the surface is level, wipe the entire area well. Check to make sure the entire surface is level before proceeding.
Step 5: Apply The Surfacer Primer
At this point, if you haven’t put on your gloves and mask, you should suit up before using the surfacing primer.
Once you’re ready, keep the surfacer primer about 6 inches from the bumper and then spray on three coats in a smooth, sweeping motion.
Allow the coat to dry for 15 minutes before applying the subsequent coat. After the 3rd coat, allow the surfacer primer to sit for 8 hours before you begin sanding again.
Once the primer has been allowed to sit, work the area to be painted with the 400 grit sanding paper, while making sure the edges are well sanded so everything is blended and level.
Once you’re finished, again wipe the area with a clean cloth, taking care to ensure minimal grit.
Before moving on to painting, make sure you mask the entire area once again.
Finally, wipe your bumper down one more time with a clean, damp cloth.
Step 6: Paint Your Bumper
Keeping the paint about 5 inches from the bumper, cover the affected area with smooth, sweeping motions. Apply several coats of paint to the affected area, while allowing 15 minutes between coats for the paint to dry.
After painting the final coat, allow 15 more minutes for the paint to dry.
Step 7: Apply The Clear Coat
After allowing the paint to fully drive, apply two coats of clear coat, allowing each coat to dry for 15 minutes. Use a similar sweeping motion at around 5 inches from the bumper.
Allow the last coat to dry for 15 minutes as well before applying the blending solvent.
Step 8: Apply The Blending Solvent
Finally, apply one coat of blending solvent to the edges, using a sweeping motion. Hitting the edges with the blending solvent will correct any mistakes you made during the painting and will correct any overspray.
Once you’re finished, your bumper should be completely covered, and it should be good as new.
Pro Bumper Scratch Repair Tip: You Can Remove The Bumper Cover
Your “bumper” is not what you think it is.
The piece you’re repairing is known as the bumper cover. The real bumper is hidden beneath the plastic.
This means you can remove the bumper cover to make this job easier, which can be worth doing if there are numerous scratches.
To take off your bumper cover you’ll need:
- Screwdriver (Flat/Phillips)
- Socket and Rachet or Wrench
- Pliers
- Hammer
To take your front bumper cover off:
- Open the hood of your car and look for the bolts/screws under the hood. The top of the bumper should have a row of screws that run along the front center of the car. Look where the hood closes. Remove these screws.
- Look underneath the edge of the bumper on each end. There should be plastic or metal screws, which hold the plastic cover to the metal bumper. After these are removed, you should be able to pull the bumper cover off completely.
To take your rear bumper cover off:
- Find the row of small screws along the edge of the bumper and remove them.
- Find the bolts at the corner of each bumper and remove them. The bolts are on the back side of the bumper near the top.
- Open the trunk to find the remaining screws. Most are located on the outside, but some models of car will require the trunk being opened to find them
Tips For Success:
- Keep the car out of sunlight. Bright sunlight can affect how the paint dries.
- If possible, keep your car away from dust and dirt. It’s recommended that you perform any repairs in a well-ventilated garage or driveway if possible.
- Make sure that your painting space is well ventilated.
- When you’re masking off your bumper, use newspaper in combination with masking tape. It will make the job a lot cleaner.
- If you’re dealing with heavy scratches, you’ll want to wait until it’s warm. You’ll have an easier time working with the putty, and your hands won’t freeze and mis-spray.
- Just throwing on some filler and “matching” spray paint won’t give you a good result. Take the time and do it right.
Should I Take My Car To The Shop Instead?
Sometimes the damage is more than just cosmetic.
If your bumper has been hit, or otherwise been involved in a collision, there may be damage to your body panels that you can’t see.
Driving with damage to your car’s superstructure can prove to be dangerous, which is why we recommend taking the car to a mechanic if it’s been involved in a collision.
That being said, if there are severe scratches on the bumper, or it’s otherwise shredded, you’ll be better off taking it to the repair shop.
And if that’s the case, you’ll have to make a claim on your auto insurance.
But what if your auto insurance isn’t up to par?
Because paying a $1,000 dollar deductible hurts. We get it.
We can help. In addition to our extended warranty policies, we want to help you save money on auto insurance.
In fact, we can help you save 25% or more on your annual auto insurance premium by comparison shopping with some of the nations biggest auto insurers.
This can translate to hundreds of dollars, which you’ll want to have on hand if you have to replace your bumper, for instance.
Happy Scratch Game
Get a free, no obligation quote today and start saving on auto repairs.
Happy Scratch On Pc
{{cta(‘bc6be4ae-f22a-4d98-9ad5-979ded8c9630’)}}
Happy Scratch Cash Out
Your car will thank you, and so will your bumper.
Happy Scratch App Cash Out
Happy driving!