Well I have made up my mind about cash versus annuity and I am going to go with cash.  Even though you get more money in the annuity over the annual payments I think that getting my winnings all at once will be better.  Plus you never know when you can actually die so I would like my will made out and the money ready to be dispursed between my loved ones then locked up in an annuity.  So when I win either mega millions on friday or powerball on saturday I will be taking the cash.  Thank you for listening to me rant.-weshar75