{"id":49551,"date":"2022-10-24T01:11:27","date_gmt":"2022-10-24T01:11:27","guid":{"rendered":"https:\/\/adamfayed.com\/?p=49551"},"modified":"2024-02-23T05:28:26","modified_gmt":"2024-02-23T05:28:26","slug":"what-are-some-things-that-people-who-have-won-the-lottery-wish-they-had-done-differently","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/economics\/what-are-some-things-that-people-who-have-won-the-lottery-wish-they-had-done-differently\/","title":{"rendered":"\u00bfQu\u00e9 cosas desear\u00edan haber hecho de otra manera las personas a las que les ha tocado la loter\u00eda?"},"content":{"rendered":"<p>Escribo a menudo en Quora.com, donde soy el escritor m\u00e1s visto sobre temas financieros, con m\u00e1s de 422,4 millones de visitas en los \u00faltimos a\u00f1os.<\/p>\n\n\n\n<p><strong>En las respuestas que figuran a continuaci\u00f3n me he centrado en los siguientes temas y cuestiones<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00bfQu\u00e9 cosas desear\u00edan haber hecho de otra manera las personas a las que les ha tocado la loter\u00eda?<\/li><li>How can you make money grow and invest while working abroad?<\/li><li>How do I invest in S&amp;P 500 in Europe?<\/li><li>What are your thoughts on Elizabeth Warren&#8217;s proposed wealth tax?<\/li><\/ul>\n\n\n\n<p>Si quieres que responda a alguna pregunta en Quora o YouTube, o est\u00e1s buscando invertir, no dudes en<a href=\"https:\/\/adamfayed.com\/es\/#contact-me\">&nbsp;p\u00f3ngase en contacto conmigo<\/a>, correo electr\u00f3nico (advice@adamfayed.com) o utiliza la funci\u00f3n de WhatsApp que aparece a continuaci\u00f3n.<\/p>\n\n\n\n<p>Es posible que algunos de los enlaces y v\u00eddeos a los que se hace referencia s\u00f3lo est\u00e9n disponibles en las respuestas originales.&nbsp;<\/p>\n\n\n\n<p>Fuente de todas las respuestas: p\u00e1gina Quora de Adam Fayed.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/What-are-some-things-that-people-who-have-won-the-lottery-wish-they-had-done-differently\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 cosas desear\u00edan haber hecho de otra manera las personas a las que les ha tocado la loter\u00eda?<\/h2>\n\n\n\n<p>This is Jack Whittaker:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-d525568007532f58344a49ed148d2212-lq\" alt=\"\"><\/figure>\n\n\n\n<p>He won US$314.9 million in 2002.<\/p>\n\n\n\n<p>That is now twenty years ago. Adjusted for inflation that is much bigger in today\u2019s money.<\/p>\n\n\n\n<p>What happened to him?<\/p>\n\n\n\n<p>Less than a year after his win, thieves broke into his car when he was parked near a strip club.<\/p>\n\n\n\n<p>They made away with over $500,000 he kept with him\u2026\u2026\u2026in cash.<\/p>\n\n\n\n<p>That wasn\u2019t the end of his troubles. At the same strip club, managers plotted to drug him and then steal from him.<\/p>\n\n\n\n<p>It ruined his life and he lost a lot of the money.<\/p>\n\n\n\n<p>Just goes to show you what can happen.<\/p>\n\n\n\n<p><strong>So be careful:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>How you spend money. Even if you have a lot, you can get into trouble<\/li><li>How you manage money. He could have invested for dividends and lived a great life, not even touching the principle.<\/li><li>Who you associate with in-person, especially if people know you are wealthy and carry around cash in his case.<\/li><\/ul>\n\n\n\n<p>He isn\u2019t the only one. Most lottery winners either go broke, or feel the win destroyed their life.<\/p>\n\n\n\n<p>It is the sudden nature of the change in circumstances which is hard to deal with.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/What-are-your-thoughts-on-Elizabeth-Warrens-proposed-wealth-tax\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are your thoughts on Elizabeth Warren&#8217;s proposed wealth tax?<\/h2>\n\n\n\n<p>It is based, at least partially, on envy.<\/p>\n\n\n\n<p>Even if it wasn\u2019t, it isn\u2019t practical. There are already capital gains and buying taxes on assets and dividends.<\/p>\n\n\n\n<p>If you try to tax unrealized capital gains (a kind of \u201cwealth appreciation tax\u201d), what happens during the years when asset prices are down like in 2022?<\/p>\n\n\n\n<p>Do people get a tax rebate? How about asset-rich, cash-poor, people? Many won\u2019t be able to afford to pay.<\/p>\n\n\n\n<p>More importantly perhaps, some of the rhetoric is dangerous. If people want to advocate for a new tax, then fine.<\/p>\n\n\n\n<p>It should be argued on its merits, positives and negatives in a calm manner.<\/p>\n\n\n\n<p>But as Mark Cuban says here, she makes comments like \u201cyour kind\u201d and \u201cbillionaires and their friends\u201d:<\/p>\n\n\n\n<p>Not only is it factually wrong, but it is dangerous. You wouldn\u2019t be able to get away with saying \u201cyour kind\u201d, based on somebody\u2019s ethnicity, religion or many other things.<\/p>\n\n\n\n<p>If a politician said \u201cyour kind\u201d about say immigrants, people would rightly say that it could incite a small number of people to act violently.<\/p>\n\n\n\n<p>It is dehumanizing language, and implies the super wealthy are a monolithic group who all have similar political views, which we know isn\u2019t the case.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/How-can-you-make-money-grow-and-invest-while-working-abroad\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can you make money grow and invest while working abroad?<\/h2>\n\n\n\n<p><strong>Most of the same fundamentals exist, with some caveats i will deal with later in the answer.<\/strong><\/p>\n\n\n\n<p>If you are working abroad you need to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Invest for the long-term. This will compound your gains and reduce risk<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-f4f2abaf83ad35cc7004cd539396be25-lq\" alt=\"\"><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Invest and not speculate. A long-term, sensible, plan, is always likely to beat trying to get into short-term trends. We have seen that in recent years with many people getting into meme stocks and crypto at inflated prices.<\/li><li>Reinvest dividends. This makes a huge difference long-term<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-38c4cb4515f8efcdd652562d147448aa-pjlq\" alt=\"\"><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Be diversified, especially when you are older. Putting all your eggs in one basket doesn\u2019t make sense.<\/li><\/ul>\n\n\n\n<p><strong>The key differences about <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/living-abroad\/\" title=\"vivir en el extranjero\" data-wpil-keyword-link=\"linked\">vivir en el extranjero<\/a> son:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>You usually can\u2019t get access to your home countries social security system. Back home, investing 10% of whatever you make might be enough for retirement, because you are paying into the retirement system. Many expats panic when they are older, after not putting enough aside for themselves and their family in the previous years.<\/li><li>Tax-efficient local investment vehicles, such as ISAs in the UK, aren\u2019t usually available for expats, so offshore investing makes more sense for most non-American expats. For American expats, most forms of offshore investing have became too difficult due to PFIC and other rules<\/li><li>Many people are on fixed-term contracts overseas. If you are a teacher back home, you can still have a position for life, or at least it is difficult to fire you. Overseas, you are often paid more, but are on two or three year contracts working in teaching, oil &amp; gas, intergovernmental organizations etc. This makes saving and investing even more important.<\/li><li>Many investment providers won\u2019t accept for certain overseas countries. Even those who do, often have restrictions if you move again. So, finding a truly portable, global and expat-friendly provider is key.<\/li><\/ol>\n\n\n\n<p>So, the same fundamentals apply, but the urgency is often bigger.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.quora.com\/How-do-I-invest-in-S-P-500-in-Europe\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How do I invest in S&amp;P 500 in Europe?<\/h2>\n\n\n\n<p>It is quite simple.<\/p>\n\n\n\n<p>There is the S&amp;P500 domiciled on the New York Stock Exchange. You can buy that on many investment platforms, but you are then liable to US-taxes on dividends.<\/p>\n\n\n\n<p>You also face a small risk of US estate taxes if you die, even if technically you shouldn\u2019t.<\/p>\n\n\n\n<p>To get around this problem, iShares, BlackRock, Vanguard and many other providers have created S&amp;P500 ETFs which are domiciled in Ireland and the London Stock Exchange.<\/p>\n\n\n\n<p>Some are in Euros. Others are in Pounds, USD and other currencies.<\/p>\n\n\n\n<p>Most investment platforms will offer this solution, at least in Mainland Europe and the UK.<\/p>\n\n\n\n<p>In addition to that, you can buy something like MSCI World, which has a 50%-60% allocation to the US markets, alongside others:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-f0e4691b2af053066669d4773caf1af4-lq\" alt=\"\"><\/figure>\n\n\n\n<p>So, over half the position will be closely correlated to the S&amp;P500.<\/p>\n\n\n\n<p>One thing I would add is I wouldn\u2019t buy the S&amp;P500 if you are watching the recent performance.<\/p>\n\n\n\n<p>Many people didn\u2019t want to buy the US stock markets in the early 80s, after close to two decades of underperformance, or in 2010, due to the lost decade after the 2000 crash.<\/p>\n\n\n\n<p>The point is, US stock markets and international ones \u201ctake it in turns\u201d to outperform one another:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-a3396c9a1d08fedff3da65109770a9a2-pjlq\" alt=\"\"><\/figure>\n\n\n\n<p>The US markets are arguably less risky longer-term due to the international nature of American firms. There is a Starbucks, Apple and Coca-Coca being sold in almost every major city in the world.<\/p>\n\n\n\n<p>Apple and many companies also make more money outside of the US these days, than inside:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-8a95d82bd2a0d0000293fcf2caffca59-lq\" alt=\"\"><\/figure>\n\n\n\n<p>That doesn\u2019t mean that the US stock markets will always outperform during every ten-year timeframe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfLe duele la indecisi\u00f3n financiera? \u00bfQuiere invertir con Adam?<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2.png\" alt=\"\" class=\"wp-image-41190\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2.png 1024w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-300x177.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-768x453.png 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-81x48.png 81w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 cosas desear\u00edan haber hecho de otra manera las personas a las que les ha tocado la loter\u00eda?<\/p>","protected":false},"author":1,"featured_media":49555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[31342],"tags":[],"class_list":["post-49551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/49551","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=49551"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/49551\/revisions"}],"predecessor-version":[{"id":80786,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/49551\/revisions\/80786"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/49555"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=49551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=49551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=49551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}