I Won A Small Amount On The Premium Bonds After Getting Married. Its In My Maiden Name. Will They

I just won $180 million dollars. What should I do?

First and foremost: Tell no one. Not a word to anyone. I mean it.Okay, one or two exceptions: get a good lawyer first. He or she will be duty-bound to keep confidential your winning this much money. He or she can be appointed by you to go to the lottery commission to hand in your ticket, get it verified, and set up the trust or trusts to receive the money.You might have seen in news reports after an enormous jackpot was won and everyone wants to know who won it, “An attorney representing the winner claimed the prize.” And that’s usually it. They might add “The attorney said the winner is a private family in the U.S.” and no other details.You want that to be your story, too, and here’s why: You will instantly be besieged by requests from family, friends, family who might not really be family, friends who might not really be friends, charities, stockbrokers, and so on. You life could be become a living Hell once people know you’re suddenly incredibly wealthy.This doesn’t mean you can’t quietly help the people you love, support the causes and charities you believe in, and so on. All that can be done without anyone knowing where the money is coming from. You can say you had a particularly good year at work, sold an idea to someone, managed to set aside a small pile of cash over the years, etc. No one needs to know.And believe it or not, you are helping the people you love as much as you are helping you. If your name is public with this gigantic windfall, people will go to your family and say “Hey, do you think you can get your [brother/sister/son/daughter/cousin] to help me out?” And if you help a family member by giving a larger cash gift than you gave another family member, the resentment starts. It’s human nature.Unlike starting and building a company, for example, then selling it for a huge profit, there’s something different about lottery wins: people will feel like you haven’t “earned” it and don’t “deserve” it, therefore you “must” share it. It will get weird. It will get tense, and probably even ugly.Do yourself and the people you love a favor: change nothing drastically about your lifestyle, quietly help those you want to help, and silently enjoy the power of true financial independence.

What benefits will I enjoy as a TCS employee?

The perks that I felt in TCS are :The most important thing is mostly they won't ask you to leave the job until unless you have done any violation. Many people used to say like TCS job is almost like a government job.You don't feel heavy burden of work as they give us the work what we can handle .You have an health insurance scheme in which you can add your parents, spouse, children .Within TCS we have a platform named as Ievolve, is an excellent platform which you can learn technologies and things 24×7 .On the basis of the leaves , if you are pregnant women , then you can get a one year of leave period without pay. Apart from that we can have a sufficient leaves per annum.If you are interested in social service then there is a good platform called as Purpose4Life , which you can do service in fields of education , environment and health. Many CSR activities are going in TCS and you can participate in all .The pricelist of food in the canteens is low compared to the outside pricelist.Within TCS we have many competitions like singing, dancing , sports, acting, photography,cooking, rangoli, traditional dress , …… everything .If you did any external certifications in any technology , TCS will reimburse your amount that you paid for that certification exam .If you are working in shifts , TCS provides a cab service. If any lady associate is working in night shift then she has to be escorted by another gent associate to her staying place . As part of security TCS follows this system.Many technical competitions are also going in the TCS which helps you to explore your technical knowledge.If you have any achievements regarding the project TCS will appreciate you in terms of GEMS , which you can use the gems to buy things online .Internally TCS has a Soft Mart where you can buy or sell anything like bikes, furniture, houses, etc.Many internal sites are there where you can have fun and post interesting topics.As TCS has many branches you can get transfer easily if you have a valid reason to be transferred like marriage or health issues.TCS takes many safety measures in order to avoid fire accidents or any other emergency situations. In fact, they will give you virtual training on how to tackle any emergency situation.Many more things are there and the list goes on …..Thanks for reading :)

Where and how do you invest your monthly salary?

Hi All,Awasum answers across from many intellectuals. Thank you for that.My answer’s context is India.Here is my answer and I KIS (keep it simple).Here is some back ground, a married with one 9 year old and staying with my parents. House is paid off and no loans.Age: 36Working Experience- 13 yearsQualification- M.TechI generally do not believe in loans until recent. one of my adviser told me to take home loan and use that money for buying another property as it will give me money at effective rate of 7 % after deducting Tax benefits.I have bought a real estate property again in tier 1 metro city (1.1 Cr.) which is on rent. No loans and fully paid off property.Pointers-I do not buy new phones, all my and wife’s cell phones are used one, I take utmost care while getting a used one, mostly from online portals. I straight away save 30% as I find some phones which are used for just 2- 3 months and available at very cheap rates, I bought a VIVO NEX almost new at 28KWe live frugal, lower middle class life style. Not much fancy and sometime boringMe and wife both believe in simple living and high thinking, we invest in books, holidays, great and quality food and experiencesWe invest in health and things which adds value to life and not lifestyle, we have joined a gym which is nearby but the cheapest in our area. Primary reason is, if the gym is far after a while it will be boring to go everyday. I have never missed 4 days gym in past 5 yearsMy son goes to international board, again nearby my home so no bus expenses, wife goes to drop and pick himSon goes to extra curricular activities everyday- learning chess, guitar, grammars and spoken English etc.No expenses for parents, they take care of them selvesNo liabilities, no loans~70% income goes in savingsPeople say I am miser, I believe them :-)Wife earns 60K a year, she does not invest, she mostly spends in charity, miscellaneous expensesI drive a Honda 2012 model, one of my bike is 12 year old and other one is 1 year oldI use bike going to office, I read some where that “If you are going alone in a car everyday to your workplace, do not consider your self educated”Suggestions are always welcome.Thank you!Edit1: thank you Venkatesh for the suggested edit