A Sad but True Texas Lottery Winner Story ....

True story. A young lady won the lottery. Her Boyfriend made it known that he expected half, since he bought her the ticket. Her husband became a somewhat wealthy ex-husband.

I could NEVER afford to win the lottery.

I did my family tree and it seems I'm some way kin to the entire countryside!!!

Lotterys are nothing but legalized theft from the poor and ignorant."

If I put on my "greedy, heartless Republican hat", I would be all in favor of every lottery imaginable, since the poor would pay the taxes that I would normally have to pay. But I don't want lotteries because I believe they are inherently immoral and respect what God says about enabling the misery or the poor or helping put burdens on them.

Darwin award contender

Is it not their "constitutional" right to be stoopid? We do alcohol and tobacco. Lotto should be a choice left to the people - not blocked from the ballot because politicians want to control how the stoopid spend.

Besides, the money discarded on lottery tickets cannot be used to buy smokes and Mad Dog 20-20.

"Agreed, Don't try to live like Donald Trump. Just live a lot better the way you are. IOW pretend like nothing happened and keep mouth shut."

Donald Trump can't even live like Donald Trump. Most people just don't have the knowledge or will to handle money. Whether they are poor or wealthy. One problem most have is their idea of charity is handouts instead teaching other people to feed themselves.

What most disgusts me about these stories is the squandering of the wealth. All those Family and Friends that received from this man will squander it as well. It just tears me up to see people piss money away. When it can be put to good use in creating jobs and more wealth.

It's a welfare/entitlement human action cycle.

First people are thankful for the aid.

Then they expect (or feel entitled to) the aid.

Then they demand the aid.

Then they are angry because it's not enough.

re: neighbor becomes wealthy does not allow us to put a claim on that wealth

But isn't that exactly what the voters do so often, by electing or returning to office politicians who convince the less wealthy that those with more owe them something and the power of government can rightly be used to help them get what's owed them?

re: I see no pleasure in spending another man's money

And that's the difference been a liberal and a conservative! Liberals delight in being generous to the "less fortunate", and have no problem using the money of others to do it.

You have certainly summed it up very succinctly!

Darwin award contender

Nope, he doesn't qualify for the Darwin. He left a wife and 3 kids.

And we would quickly discover family and friends we never knew we had.

I cannot imagine in my wildest dreams going to some friend or family member with my hat in hand with a sheepish grin trying to suck up to them because they had a financial windfall. Where's the dignity in that? Shameless!

The lottery is nothing but a tax on those who cannot comprehend Probability and Statistics

Yup. The problem is that if the State doesn't do it the Mafia will. A large portion of this revenue should be plowed into an anti-gambling ad campaign, highlighting stories such as this.

Several years ago I read an article in an airline magazine on what to do if you won a large lottery - in excess of $1M. The article was a composite by some attornies and accountants. They recommended not cashing in at first, but contacting an accountant and an attorney. I know the attitude of most towards lawyers, but this seems like a good idea. Have him prepare a will, POA and a trust. When you do cash the ticket they recommended the proceeds go to the trust with the trust then paying the ticke holder. This gets the ticket holder out of the position of having everyone and their brother calling for a handout.

They recommended other things like an unlisted phone number, immediately leaving on a vacation/trip of at least 45 days so many will tend to forget about your winning and go on with their lives. Tell the press to pound sand - you will be obligated by the lottery to give an interview and give them the use of your situation for PR, but that is the extent of the press coverage.

Yes, give lots away to what you consider worthy causes, church, charitable organizations of various types, but keep family and friends at an arm length. You will get calls and letters from everyone under the sun caliming to be related or have aworthy cause. Send them to your attorney or accountant and have them prepare a response - takes you out of being the bad guy.

However, after saying all this. I guess I don't have to worry as I do not buy tickets, considering the lottery is nothing but a tax on the poor, I will not contribute to it. As a case in point, the Kentucky Lottery was $95M this week. There was an office pool with a minimum contribution of $10. Out of about 15 or so that played they are all out the ten bucks and I still have mine. Who was the winner there? Had they won I guess I would have gotten a promotion as the next two supervisors above me both played.

A lottery official confirmed that, yes indeed, they held the only winning ticket in the $31 million drawing.

"So we headed straight to a safe deposit box," says Harrell's oldest son. Additionally, before rushing off to Austin to collect his money, Texas's newest millionaire put financial safeguards in motion as well.

After taking the ticket to a safe deposit box, Harrell contacted Steve Drake, the host of the KPRC-AM financial talk show. Drake put the Harrells in touch with attorney Karen Gerstner, one of the few experts in providing legal and financial advice to those who have cashed in big on the lottery.

"Lottery winners are always in a hurry to get their money, so you have to rush around like crazy and put their documentation together," says Gerstner. A pleasant, dark-haired woman in her forties, Gerstner has a nurturing demeanor. She seems more likely to offer someone a glass of milk and a plate of cookies rather than cutting-edge financial advice.

Gerstner recalls that the Harrells were hardly an exception when it came to wanting their money yesterday, that when she first met the Harrells, Billie Bob mentioned that his bank account was overdrawn. Instead of letting them rush to grab the winnings, Gerstner urged the couple to take it slow.

The legal specialist explains that the lottery allows only one claimant for the prize, so she suggested that the Harrells establish a trust to receive the payments. When they won, the Harrells elected to take their winnings in annual installments for 25 years.

Gerstner says married couples who win often don't realize that if their spouse dies, the estate is suddenly faced with a huge, sudden tax burden that includes tax due on future lottery payments. A trust avoids that tax overload, she explains.

Although Billie Bob and Barbara Jean were champing to move into a higher tax bracket, Gerstner convinced them to let her set up the trust first.

At the Harrells' insistence, both Drake and Gerstner accompanied them to Austin to pick up the first installment check three weeks after the lottery drawing. Following the presentation ceremony, the Harrell family, their parents, their minister and their advisers all lunched together to celebrate -- over hamburgers, french fries and onion rings. Gerstner says she could tell that Barbara Jean and Billie Bob were each close to both sets of parents, although the trust contained no benefits for the parents. The Harrells agreed with her that the trust should be modified to provide those benefits.

Gerstner drafted a revised trust with provisions for the parents and mailed it to the Harrells. It was never signed and returned, she says, although Gerstner was not concerned. Soon after getting their hands on the money, the Harrells took a trip to Hawaii. Gerstner also learned that Billie Bob became interested in purchasing art and real estate. She attempted to contact them several times, by both phone and mail, about finishing the trust modifications and doing more tax planning. She never heard back.

"I just figured they were too busy," says Gerstner. When Barbara Jean called her six months later, the Harrells' marriage was unraveling.

In February 1998 Barbara Jean and divorce attorney Mike Stocker instructed Gerstner to revise the trust so her money would be separate from Billie Bob's.

The estranged wife, says Gerstner, explained that Billie Bob was spending money like mad and had a young girlfriend.

"I was very sad to hear about the divorce," says Gerstner. "But I could understand that Barbara Jean was fed up with Billie Bob's case of the middle-aged crazies."

Barbara Jean Harrell refused to speak with the Press. However, her three children -- Billie Bob III, Ben, 22, and Michelle, 20 -- agreed to be interviewed, but only if their attorney was present.

According to the kids, not long after Billie Bob won the lottery, life in the Harrell household was forever altered.

"First of all, we had to change our phone number about seven times," says Ben, the executor of his father's estate. He did most of the talking for his older brother and younger sister. "It was supposed to be unlisted, but then someone would call. People seemed to have no trouble getting the number. We also got a mountain of mail."

Letters, says Ben, were usually handwritten notes from people who said they felt moved to write to the Harrells and explain to them their own dire situations. And yes, they all wanted to know if there wasn't some way the Harrells could help them financially.

Harrell family members were at times prisoners in their home. People drove by outside, hoping to catch a glimpse of these lottery winners. Others wanted to touch them, for luck. During a shopping trip at Wal-Mart, a woman approached Barbara Jean and told her that she had purchased $500 worth of lottery tickets in the same drawing won by the Harrells, and she expected them to refund her money. The incident frightened Barbara Jean.

"People would tell you that their daughter was dying, and couldn't we just send a check to help her live," says Ben. "They'd tell you their life story, and you'd like to believe them, but you just can't."

At least most of the Harrells didn't buy the sob stories. Billie Bob was different, say his children. In addition to his new interest in art, antique cars and real estate, Billie Bob also enjoyed helping other people, his kids say. Perhaps too much so.

Upon receiving the first installment, a check for around $1.2 million, Harrell first handed over 10 percent -- his tithe -- to Calvary Tabernacle Pentecostal, the church in Trinity where he worshiped. A family friend became pastor of a church in Colorado, so Billie Bob wrote a check to that congregation. One Christmas Billie Bob ponied up the cash for 480 turkey dinners for needy families. The kids also say anytime a member of Calvary Tabernacle was in a tight spot, Billie Bob was there with his ever-present checkbook and pen.

"I think a lot of people just came to expect him to do that," says Ben. "People would make a fuss over him, and he really enjoyed that a lot. He enjoyed the attention. He'd rather have that attention more than buying himself something."

There were also, the children say, gifts for another admirer: Billie Bob had found a young girlfriend. She worked at the pharmacy where he got prescriptions filled for high blood pressure, depression and acid reflux. And she got from him a car, jewelry and other presents.

Most disturbing of all, say the kids, were the companies that relentlessly attempted to get their father to sell his future lottery installments in exchange for a lump sum. One of the most persistent, they say, was Stone Street Capital, a company that operates out of Bethesda, Maryland, and specializes in cashing out lottery winners and other people who are to receive large payments spread over several years. And after a couple of years of hemorrhaging money, Billie Bob apparently decided that he could no longer live on his half of the $1.2 million a year. He signed on with Stone Street for a quick infusion of cash. But to get the money, Billie Bob knew that the trust would have to be altered. He once again turned to attorney Karen Gerstner.

After splitting the trust in half, with Barbara Jean and Billie Bob getting equal shares of the lottery winnings, attorney Gerstner assumed she had heard the last of the Harrells.

Instead, she says, things got worse a few weeks later when she began receiving calls from Houston attorney Vic Bonner, who claimed to represent Billie Bob. Gerstner says Bonner told her that he had finally hooked up Billy Bob with Stone Street. Bonner told her that Billie Bob would receive $2.25 million in cash in exchange for ten years' worth of his share of the lottery winnings, worth more than $6 million gross. Gerstner says she immediately knew it was a very bad deal for Billie Bob. She was also concerned about the legality.

"It is not legal in Texas for a lottery winner to assign their stream of payment [to someone else] in order to obtain any kind of loan or purchase anything," says Gerstner. She assumed that after she relayed her concerns to Bonner, that would be the end of it.

It wasn't. Gerstner says Harrell and Bonner then began pestering Barbara Jean about getting in on the deal. Harrell said it somehow involved the acquisition of bonds through a company called H&H Worldwide, and a man named Paul Hulse (who reportedly lives in one of the homes purchased by Harrell). As Billie Bob explained it to Gerstner and Barbara Jean, the bond would service the debt that he would have after doing the loan with Stone Street. That explanation left even a financial expert like Gerstner, as well as Harrell's family, with their heads spinning.

"In talking with him about the deal," says son Ben, "I found he could never actually completely explain to you how the deal would work. Every time it was something different. Something would change, and something off-the-wall would come in."

Despite the warnings of his financial attorney and the misgivings of his family, Gerstner says, Billie Bob still plowed ahead. She still believes the arrangement circumvents the spirit of the state law, if not violates it. According to the contract, Billie Bob's half of the trust was placed in the control of TrustCorp America, Inc. It would receive the annual lottery payments, which would be used to repay the Stone Street loan.

"They are getting around the lottery by creating a second step," says Gerstner. "But I think it's really a distinction without a difference. They're still skirting the lottery rules."

A state lottery spokesman told the Press he was unaware of any complaints filed with the commission regarding Stone Street. Nor, he says, have there been a significant number of complaints about buyout companies in general. Citing confidentiality agreements, a spokesman for Stone Street Capital declined to comment on the company's dealings with Billie Bob Harrell Jr. The Press was unable to contact Hulse or H&H Worldwide.

When the Press reached attorney Vic Bonner by phone at his Houston law office, he first asked, "Do you want me to name names?" When told that was indeed the idea, Bonner said he would like to collect his thoughts before responding to any questions. He is apparently still collecting those thoughts, as he did not return subsequent phone calls.

Financial adviser Steve Drake spoke with Billie Bob Harrell Jr. for the last time in early May 1999. During the phone conversation, Drake urged Harrell not to go through with the deal with Stone Street, but Harrell wouldn't listen.

"He told me he that, at that point, he was in so deep that if backed out, he was afraid they would sue him," recalls Drake. He also encouraged Harrell to take out insurance to cover estate taxes that would be due if he died suddenly.

Three weeks later -- five weeks after he signed the loan agreement with Stone Street -- that unheeded advice would prove to be prophetic.

May 22 approached as the kind of Saturday that held the prospect, however faint, of a rebound for the Harrell family.

Since his divorce three months earlier, Harrell hardly had millionaire looks. His children say he'd suffered a drastic loss in weight, dropping from 220 pounds to about 170. He looked at them with a crimson face through which all the veins in his cheeks were visible. Harrell had lapsed into a personality that was moody or outright depressed.

He told Barbara Jean he wanted a reconciliation. She didn't give him that. But she did consent to have a Saturday dinner with him and their children. Maybe it would be a small taste of the old times they'd had together.

At about 4 p.m. Harrell stopped by his daughter's place of work to pick up the keys to Barbara Jean's house because, he said, he wanted to drop off some flowers. Around 5:40 p.m. Barbara Jean, Billie III, Michelle, Ben and Ben's girlfriend arrived at Barbara Jean's house. They went through the house, but there was no sign of Billie Bob. The only area they hadn't checked was the upstairs master bedroom, which was locked.

One of the sons broke open the door. Inside, they found Harrell's nude body lying face down on the floor. Beside the body was a Winchester model 37 shotgun with a spent shell. An unfired shell was in one of the front pockets of a pair of blue jean shorts also on the floor. A police report notes that the butt of the shotgun was shattered, indicating that the weapon had been placed against the floor or a wall beam at the time of discharge.

An autopsy by the Harris County Medical Examiner's Office lists the cause of Harrell's death as a suicide from a contact shotgun wound to the chest. "The shotgun blast struck the heart and went toward the left side striking the lung and hemidiaphragm." There is some indication of a downward trajectory, since the report also mentions that Harrell's spleen was shredded by the blast, although veteran crime investigators note that it is not unusual for the BB-like 7.5-millimeter pellets to travel in odd directions inside the body.

Two veteran homicide investigators, who requested anonymity, reviewed the police and autopsy reports at the request of the Press. They indicated that while there are some minor discrepancies, Harrell's death appears to be a clear-cut case of suicide.

That finding, however unanimous among authorities, has yet to be accepted by two of the people closest to Harrell: his parents.

At their home in Trinity, east of Huntsville, Billie Bob Sr. and Tina Harrell, who are still taking their son's death hard, cautiously greet a reporter. Their minister, Guy Hargrove, who was also their dead son's pastor, is there too. The interview begins with Billie Sr. reading from Isaiah 57:

"The righteous perishes,

And no man takes it to heart;

Merciful men are taken away,

While no one considers

That the righteous is taken away from evil.

He shall enter into peace;

They shall rest in their beds,

Each one walking in his uprightness.

That Bible verse, he says, has given him and his wife great comfort since the death of their son, a man who they say always tried to do the right thing. And they cannot conceive that their son would take his own life, under any circumstances.

"He never showed any signs like that at all to us, or to anybody we've talked to," says Billie Sr. "That's what puzzles us so much."

The eldest Harrell is also puzzled by his and his wife's suddenly strained relationship with their grandchildren and former daughter-in-law. The grandparents say their son intended to make the payments on their new house and motor home. Now, they say, their grandchildren do not plan to honor their father's wishes.

But what the elder Harrells do not seem to understand is that, at the moment, their grandchildren are trying to figure out how to pay the estate taxes they owe as a result of their father's death. The Harrell children also want to know what happened to the $2.25 million their father supposedly received in exchange for ten years' worth of lottery installments. To find out, they recently hired attorney Norman Riedmueller, who says he has some questions for Vic Bonner, Paul Hulse and Stone Street Capital.

"So far there is no definite evidence of wrongdoing," says Riedmueller. "But I think it's safe to say that there's supposed to be some money in this estate. Yes, he was generous to churches, but the present state of affairs is that [the kids] can't raise the money to pay the taxes that are owed. There's nothing there. You'd think they'd be rolling in dough. And that's my assignment: Where's the money? This estate should not be in the condition it's in."

While their grandparents live 20 miles away and are in denial that Billie Bob Jr.'s death was a suicide, the Harrell children attend classes at Sam Houston State in Huntsville, living in a house that their father bought for them. From time to time, they reflect on what they had, what they've lost -- and what they really need.

"You've got to be happy with yourself," says Ben, "and happy with your loved ones. You don't take that for granted."

Ben's words are hauntingly similar to what are believed to be among the last thoughts of his father. In the bedroom where Billie Bob Harrell Jr. took his life, there were also three handwritten, unsigned notes. One was apparently meant for his ex-wife. It might as well have been addressed to his entire family:

"I didn't want this. I just wanted you."

Some people have no dignity or shame – I have a few inlaws in that category and my late wife brought a few friends into my sphere that qualify – but she did warn me about them. Even though I haven’t seen much of them since my wife’s death I have no doubt that winning the lottery would change that.

This whole story is bogus :
http://www.google.com/search?q=+lottery+%22attorney+Karen+Gerstner%22

"I feel sorry for lottery winners, and I think a study would prove that most die miserable. I will not buy a lottery ticket because I am afraid I wll WIN"

I live by that very sentiment. I am not a particular whiz with the money I do have. I appreciate the supply the Lord has given and yet I am not the best steward of that supply. I would not trust me with the big bucks and I don't think the Lord would either. Besides that, I know He isn't in the "get rich quick" business. A man who won't work shouldn't eat, He says.

It is so much better to live according to His rules than making up our own as we go along. We aren't nearly as good at it.

I can't imagine it either, unfortunately most people can. Most people have no class anymore, if they ever did.

They have yet to find a country where the wretched poor run around with big smiles on their faces.

True. But their advantage is that they don't have time to sit around and wallow in depression (unless they're on the dole).

re: Lotterys are nothing but legalized theft from the poor and ignorant

And what's worse, very little of the huge amounts of money they collect go to better the citizens of the state. Here in Florida the money was earmarked for education, but for every dollar of lottery money that went to education two dollars was taken away from education in the general funding. Turns out after more than 10 years the lottery has actually resulted in less educational spending. You simply can't trust politicians. Everyone assumed the billions of dollars that the lottery would be used to enhance spending on education, instead it was used to free up money for other projects.

If anyone has ever had a death in the family....same thing happens...all the vultures come out for their piece of the pie.

One of my favorite Mother Angelica shows when she was discussing this. She mentioned a couple of women who were fighting over their mother's custom commode. "I would have told them to take turns putting their heads in it."