An accquaintance of mine was diagnosed with lung cancer late last year, given +/- one year to live. He promptly quit smoking & drinking, cleaned up his act and started preparing for what lay ahead. Last week he bought an instant-win scratch off ticket that won $1 million dollars, $50,000 annual for twenty years on annuity. Talk about two of the biggest emotional peaks possible in someone's life! This man is looking into selling his winnings (transferrable) for lump sum settlement, obvious reasons. He has no children, no long-term relationship and wishes to seek further medical advice at the Mayo clinic or somewhere comparable. He is asking $400k for the ticket, which after taxes (Federal and NYS) would probably make the after-tax true return of something like +/-$600k in twenty years. If anyone is seriously interested in buying a guaranteed-return note like this, please PM me with an offer and I'll pass it along. I have no idea what such a guaranteed return instrument is truly worth... investors seeking some type of % return could structure that based on purchase price.