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Cancelled.Winning numbers of the Kentucky Lottery stand as drawn. The Kentucky Lottery is not responsible for misprinted numbers on this page or any other medium. The Kentucky Lottery makes no expressed or implied warranties or representation of any kind as to the content, accuracy, completeness, reliability, or timeliness of the information contained on this web site or any link provided herein.*Jackpot PrizeThe Jackpot Prize will be paid, at the election of the player made no later than 60 days after the player becomes entitled to the prize, with either a per winner annuity or cash payment. The amount of the annuity and the amount of the cash payment will be determined according to the Game Rules. The Jackpot Prize will be divided equally among all winning Jackpot Prize winning plays. All annuity prizes will be paid in thirty (30) graduated annual installments (increasing each year), with the initial payment being made in cash followed by twenty-nine (29) annual installments funded by the annuity. If the cash value option is elected, the player will receive a single present value cash payment which will be less than the annuity amount. In some cases, the annuity option may not be available - see Game Rules for complete details.**Power Play amount for Match 5 prize is set and will be no more than $2 million. Jackpot prizes are excluded. See Game Rules for multiplier odds.***The set prize amounts listed above are based on the probable number of winners sharing the prize pool. In some cases, these prizes may be paid on a pari-mutuel basis, and could be lower than published prize levels. In this case, the Powerball set prize,Power Play prize amounts, and Double Play prize amounts will be announced by the Powerball Product Group following the drawing.****Double Play amount for Match 6 prize is set and will be no more than $10 million. Jackpot prizes are excluded. See Game Rules for complete details.

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Updated July 26, 2023Present Value of Annuity Formula (Table of Contents)FormulaExamplesCalculatorWhat is Present Value of Annuity Formula?The term “present value of annuity” refers to the series of equal future payments that are discounted to the present day. However, the payment can be received either at the beginning or at the end of each period and accordingly there are two different formulations.In case the cash flow is to be received at the beginning, then it is known as the present value of an annuity due and the formula can be derived based on the periodic payment, interest rate, number of years and frequency of occurrence in a year. Mathematically, it is represented as,PVA Due = P * [1 – (1 + r/n)-t*n] * [(1 + r/n) / (r/n)]where,PVA = Present Value of AnnuityP = Periodic Paymentr = Interest Ratet = Number of Yearsn = Frequency of Occurrence in a yearIn case the cash flow is to be received at the end of each period, then it is known as the present value of the ordinary annuity and the formula is slightly different and it is expressed as,PVA Ordinary = P * [1 – (1 + r/n)-t*n] / (r/n)Examples of Present Value of Annuity Formula (With Excel Template)Let’s take an example to understand the calculation of Present Value of Annuity in a better manner.You can download this Present Value of Annuity Formula Excel Template here – Present Value of Annuity Formula Excel TemplatePresent Value of Annuity Formula – Example #1Let us take the example of an annuity of $5,000 which is expected to be received annually for the next three years. Calculate the present value of the annuity if the discount rate is 4% while the payment is received at the beginning of each year.Solution:Present Value of Annuity Due is calculated using the formula given belowPVA Due = P * [1 – (1 + r/n)-t*n] * [(1 + r/n) / (r/n)]Present Value of Annuity Due = $5,000 * [1 – (1 + (4%/1))-3*1] * [(1 + (4%/1)) / (4%/1)]Present Value of Annuity Due =$14,430Therefore, the present value of the annuity is $14,430.Present Value of Annuity Formula – Example #2Let us take the example of David who is expected to receive a series of equal quarterly future cash inflow of $1,000 for the next six years. Calculate the present value of the future cash inflow if the relevant discounting rate based on the

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An annuity is a financial product that provides a series of regular payments, typically for a fixed period of time or for life. It’s often used to generate income in retirement.But before you finalize the terms of your annuity contract, you’re granted a special window to review the terms of your investment in more detail.Each state insurance department sets its own minimum requirement for free look periods. In this article, we’ll explore each state’s standards so you can make the most of this time.What is an annuity free look period?A free look period is an important time frame provided by annuity companies to give prospective buyers the chance to carefully review their contract.This period — typically lasting at least 10 days but varying by state — offers a final opportunity to determine if an annuity aligns with your financial goals. If you’re not satisfied with the contract, you can cancel it within this period and get a full refund.Your free look period starts when you receive your annuity contract. To make an informed decision, start reviewing this document as soon as you receive it. Annuities can be complex, so consider seeking guidance from a lawyer, financial advisor or tax professional during your free look period.Free look minimum requirements by stateHow long you have to review your annuity contract depends on the state you live in. While insurance companies may offer you more time to review your contact, all companies must grant you at least the minimum number of days required by state law.A majority of states give you 10 days to review the contract, and some offer more time to review a replacement annuity. Other states — 13 in total — only require insurers to provide you with a free look period if you weren’t given a buyer’s guide and disclosure documents prior to receiving the contract.Here’s how annuity free look periods break down for each state.StateFree look minimum requirement Alabama15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Alaska10 daysArizona10 days. 30 days if the buyer is 65 years or older.Arkansas10 daysCalifornia30 daysColorado 15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Connecticut 10 daysDelaware10 days for a new policy. 20 days for. ANNUITY PC Power Manager - Shareware - ANNUITY PC Power Manager is a software application that allows users to manage the power consumption of their computers. This software helps users save energy and reduce their electricity bills. Annuity PC Power Manager 1.0 download - Spr vce pl nů nap jen Annuity PC Power Manager je aplikace, prostřednictv m kter můžete spravovat všechny

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Your Tax BreakdownEnter your details to calculate your net winningsAll calculations are instant and secureCalifornia Annuity Lottery Tax CalculatorUse our California annuity lottery tax calculator to estimate your after-tax winnings. Federal taxes apply at a 24% withholding rate only if your winnings exceed $5,000. Additionally, we calculate California state taxes based on current tax rates. Get a clear estimate of your final take-home amount after deductions.How to Calculate Taxes on California Annuity Lottery WinningsOur calculator simplifies tax estimation in three easy steps:1Select California as Your StateChoose California to calculate applicable federal and California state taxes.2Choose Annuity PayoutSelect annuity to see how your winnings are taxed over time.3Enter Your Winnings AmountInput your total winnings and click 'Calculate Winnings'to see your estimated after-tax payout.Why Use Our California Annuity Lottery Tax Calculator?State-Specific Tax Estimates: Includes California state taxes alongside federal withholding.Instant Net Winnings Calculation: Get a quick estimate of your after-tax take-home amount.Compare Annuity Payouts: See how tax treatment differs between payment options.Completely Free & Easy to Use: No sign-up required—just enter your winnings and get instant results.Frequently Asked QuestionsDoes the calculator include local taxes for annuity payments in California?The calculator includes federal and California state tax rates but does not account for local taxes, which may vary.How accurate is the calculator for annuity payments in California?This calculator estimates annuity payouts based on federal and California tax rates, but actual taxes may vary depending on your income bracket each year.What happens if I receive annuity payments from California but live elsewhere?Some states tax annuity payments where they are earned, while others tax them in the state of residence. Consult a tax professional to understand your obligations.How do annuity payments affect my tax bracket in California?Annuity payments are taxed as ordinary income each year, which may impact your federal and California state tax brackets

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To be received at the end of each period, then the formula for the present value of an ordinary annuity can be expressed as shown below.PVA Ordinary = P * [1 – (1 + r/n)-t*n] / (r/n)Relevance and Uses of Present Value of Annuity FormulaAlthough the concept of the present value of an annuity is simply another expression of the theory of time value of money, it is an important concept from the perspective of valuation of retirement planning. In fact, it is predominantly used by accountants, actuaries and insurance personnel to calculate the present value of structured future cash flows. It is also useful in the decision – whether a lump sum payment is better than a series of future payments based on the discount rate. Further, the above-mentioned decision is also influenced by the fact that whether the payment is received at the beginning or at the end of each period.Present Value of Annuity Formula CalculatorYou can use the following Present Value of Annuity Calculator PVA = P x [1 -(1 +r/ n)-txn] X [1 +r / n / r / n] =0 x [1 -(1 +0/ 0)-0x0] X [1 +0 / 0 / 0 / 0] = 0 Recommended ArticlesThis has been a guide to Present Value of Annuity Formula. Here we discuss how to calculate Present Value of Annuity along with practical examples. We also provide Present Value of Annuity calculator with downloadable excel template. You may also look at the following articles to learn more –Formula For Future Value of Annuity DueTime Value of Money Formula with CalculatorHow to Calculate Annuity Using Formula?Discount Factor Formula (Examples with Excel Template)Examples of Future Value of an Annuity Formula

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10 times on most prize levels (not including the jackpot; see Prizes & Odds chart for details). The 10x multiplier is available when the jackpot is at or below $150 million.** Match 5+0 prize has a 2x multiplier automatically – increasing the prize amount to $2 million. The Power Play multiplier is drawn during the Powerball drawing. Prizes & Odds Match Prize Odds 1 in Overall odds of winning a prize is approximately 1 in 24.87. *The jackpot prize is estimated and shall be determined on a parimutuel basis. The jackpot prize will be divided equally among all winning plays for that prize level. The jackpot can be paid out either as a discounted lump sum payment or an annuity over 29 years (or 30 payments) as set out in the Powerball game rules. If the winner chooses the annuity, the annual payment will be increased each year by a rate as determined by the MUSL Product Group. The jackpot prize may be a guaranteed amount in certain circumstances and announced by the MUSL Product Group. 5+PB Jackpot* 292,201,338 5 $1 Million 11,688,054 4+PB $50,000 913,129 4 $100 36,525 3+PB $100 14,494 3 $7 580 2+PB $7 701 1+PB $4 92 0+PB $4 38 Power Play® Match x2 x3 x4 x5 x10* Odds 1 in: 1.8 3.3 14.3 21.5 43 All set prizes and Power Play prizes, including the Match 5+PB prize, may be reduced if claims exceed available prize fund. In such circumstances, these prizes may become parimutuel as defined in the game rules. Parimutuel means that prize amounts are shared equally among all winners of the available prize pool for that prize level. *The 10X multiplier will be available for advertised annuity jackpot levels at or below $150 million, or announced for any higher jackpots as determined by the Powerball Group. 5+PB - - - - - 5 $2M $2M $2M $2M $2M 4+PB $100K $150K $200K $250K $500K 4 $200 $300 $400 $500 $1K 3+PB $200 $300 $400 $500 $1K 3 $14 $21 $28 $35 $70 2+PB $14 $21 $28 $35 $70 1+PB $8 $12 $16 $20 $40 0+PB $8 $12 $16 $20 $40 Don’t Forget Powerball sales end on Mondays, Wednesdays and Saturdays at the times below and resume after the drawing. Retail location sales end at 9:59pm Online Play sales end at 9:57pm Once a ticket is generated it can’t be canceled, so check your play slip to make sure everything is correct. The ticket, not the play slip, is your proof of purchase. So sign your ticket immediately. How to Watch Drawings every Monday, Wednesday and Saturday at 10:59 p.m. Watch the drawings online or on any of these stations: WRAL Raleigh (ch.5) WITN

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How to Transfer Your Annuity to Another Person or EntityAn annuity is a contract between an individual and an insurance company. The individual makes a lump-sum payment or series of payments to the insurer in exchange for guaranteed payments over a specified period. These payments may be for life, a fixed number of years, or a combination. Once an annuity is purchased, the individual becomes the contract owner, and they may make changes to the annuity as necessary. This includes transferring ownership of the annuity to another person, such as a spouse or family member.Can I transfer ownership of my annuity?Yes, it is possible to transfer ownership of an annuity to another person. However, the process of transferring ownership may vary depending on the type of annuity and the contract terms. Some annuities may allow for the transfer of ownership to a spouse or other family member, while others may not allow for any ownership transfers at all based on the original application’s ownership designation.Before attempting to transfer ownership of an annuity, it is essential to review the contract’s terms and understand the transfer’s potential tax implications. In many cases, transferring ownership of an annuity may result in tax consequences, so it is vital to consult with a financial advisor or tax professional before making any changes to an annuity contract.Are there any fees or charges associated with the transfer?Generally, there are no transfer fees. The fees associated with transferring ownership of an annuity may vary depending on the specific contract and the insurance company that issued the annuity.Additionally, some insurance companies may require the new owner to meet specific eligibility requirements before allowing for the transfer of ownership, this may become an issue if a trust is or will be a designated owner.What about a transfer to a spouse?Transferring ownership of an annuity to a spouse may be a straightforward process. Many annuity contracts allow for the transfer of ownership to a spouse without any fees or charges if the new owner meets the eligibility requirements outlined in the agreement. Please consider any tax liability issues before making the change of ownership transfer.To initiate a transfer of ownership of an annuity to a spouse, the original owner must typically complete a transfer of ownership form provided by the insurance company. This form will generally require the original owner to provide information about the new owner, including their name, address, and relationship to the original owner.Once the form is completed and submitted to the insurance company, the new owner will typically receive a designation of ownership receipt reflecting their ownership of the annuity.In conclusion, transferring ownership of an annuity can be a complicated process that requires careful consideration and planning. Before attempting to transfer ownership, it is essential to review the contract terms and consult with your financial advisor or tax professional to understand the potential tax implications of the transfer. While transferring ownership of an annuity may be beneficial in some cases, it is essential to understand all aspects. ANNUITY PC Power Manager - Shareware - ANNUITY PC Power Manager is a software application that allows users to manage the power consumption of their computers. This software helps users save energy and reduce their electricity bills. Annuity PC Power Manager 1.0 download - Spr vce pl nů nap jen Annuity PC Power Manager je aplikace, prostřednictv m kter můžete spravovat všechny

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Strictly speaking, an annuity is a series of equal cash flows, equally spaced in time. However, a graduated annuity is one in which the cash flows are not all the same, instead they are growing at a constant rate. So, the two types of cash flows differ only in the growth rate of the cash flows. Annuity cash flows grow at 0% (i.e., they are constant), while graduated annuity cash flows grow at some nonzero rate. The image below shows an example where the graduated annuity grows at 5% per year:Regular Annuity vs Graduated Regular AnnuityGraduated annuities are found in many places including pensions that have built-in cost of living adjustments, lotteries such as Powerball, and others. Any finite series of cash flows that are growing at a constant rate is a graduated (or, growing) annuity. In fact, the growth rate can be positive, negative, or zero so this is really just a generalization of a typical annuity (which would have a zero growth rate). You might want to know how to calculate the present value of a graduated annuity if you have, for example, a legal settlement from a lawsuit or insurance company. These are often paid out in a structured settlement as a graduated annuity. You might wish to sell it to a third party and you should know how to determine its worth. This article will help with that.We have already seen how to calculate the present value and future value of annuities. Excel makes that easy

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A replacement policy. Florida21 daysGeorgia10 daysHawaii15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Idaho20 daysIllinois10 daysIndiana10 daysIowa10 daysKansas10 daysKentucky15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Louisiana 10 daysMaine15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Maryland10 daysMassachusetts20 daysMichigan10 daysMinnesota10 days for a new policy. 30 days for a replacement policy.MississippiNo legal requirement. Missouri10 daysMontana15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Nebraska10 daysNevada10 days for a new policy. 30 days for a replacement policy.New Hampshire15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.New Jersey 10 daysNew Mexico15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.New York10 to 30 daysNorth Carolina 10 days for a new policy. 30 days for a replacement policy.North Dakota10 daysOhio15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Oklahoma15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Oregon10 to 15 days for a new policy depending on when an annuity buyer’s guide and disclosure document is provided. 30 days for a replacement policy.Pennsylvania 10 days for a new policy. 20 days for a replacement policy.Rhode Island20 daysSouth Carolina10 days. 30 days if the annuity is sold by mail order. South Dakota10 daysTennessee10 daysTexas20 days for a new policy. 30 days for a replacement policy.Utah10 days for a new policy. 30 days for a replacement policy.VermontNo legal requirement.VirginiaNo legal requirement for new contracts. 10 days for replacements.Washington10 daysWest Virginia15 days. Free look period is only granted if the insurer fails to provide an annuity buyer’s guide and disclosure document at or before the application is submitted.Wisconsin30. ANNUITY PC Power Manager - Shareware - ANNUITY PC Power Manager is a software application that allows users to manage the power consumption of their computers. This software helps users save energy and reduce their electricity bills.

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In Excel, calculating the present value of an annuity is a common financial task. There are two types of annuities to consider: an ordinary annuity and a growing annuity. Each type requires a different approach in Excel. In this article, let’s explore the methods for both. Calculating Present Value of Ordinary Annuity in ExcelThe PV function in Excel calculates the present value of a series of future payments or cash flows, which is what an ordinary annuity would offer. The full syntax of the PV function is:=PV(rate, nper, pmt, [fv], [type])Let’s explain each element:rate: The interest rate per period. For annual payments, use the annual interest rate. For monthly payments, use the monthly rate (annual rate/12).nper: The total number of payment periods in the annuity. For annual payments over 10 years, this would be 10.pmt: The payment made each period. It remains consistent in an ordinary annuity.[fv]: The future value, or a cash balance you want to attain after the last payment. This is optional. If omitted, Excel assumes it to be 0 (zero), meaning the future value of the loan or investment is 0.[type]: This indicates when payments are due. Use 0 (or omit) for payments at the end of the period, or 1 for payments at the beginning. Calculation ExampleImagine you want to calculate the present value of an annuity where you receive $1,000 annually for 5 years, and the annual interest rate is 5%. In this case, the elements you need for your calculation will be:rate: 5%.nper: