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NY lottery millionaire inspired by a dream

New York LotteryNew York Lottery: NY lottery millionaire inspired by a dream
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HAVERSTRAW, N.Y. — For Edwina Silvera, one dream led to another.

On Oct. 14, the 49-year-old West Haverstraw, New York, resident dreamed of her late father, who told her something special, a message she wanted to keep private, which inspired her to buy a scratch-off game that night.

Against long odds, Silvera landed the lucky "$2,500 A Week for Life" ticket and won the top prize of $2.5 million.

"Normally I buy the $2 ticket and I decided why not splurge? So I did. And I'm glad that I did," Silvera told New York Lottery's Yolanda Vega on Friday at the Railroad Deli in Garnerville, where Silvera bought the winning ticket for $5.

Silvera, who works in hospital administration in Westchester, didn't actually scratch off the ticket until the next night while watching TV.

"I looked at it and said, that's not right," said Silvera, who called her husband upstairs to confirm her disbelieving eyes.

The 20-year Rockland resident, and mother of two adult children, will get $130,000 a year — or $86,034 after withholdings — for the rest of her life. She said the money will let her live life with "less stress." Not bad for someone who only plays the lottery once every six months or so.

"I'm still waiting to see the actual money," she said. "Seeing is believing."

Her big plan for the money: hire a local contractor to finish her basement. And invest the winnings wisely. Silvera happened to buy a new car shortly before she became a millionaire.

She has no plans to retire, even if that means battling traffic on the Tappan Zee Bridge to get to her job in Westchester.

"It's a lot but it's not that (much money) for me to not work," she said with a laugh.

Silvera said she's "living in the moment" and looking forward to sharing the good news with friends and relatives. She said she passed on taking a lump sum payment because "I'm young and I'm going to live for a very long time."

"You keep living and we'll keep paying," Vega said.

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15 comments. Last comment 2 years ago by THRIFTY.
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United States
Member #122468
February 1, 2012
530 Posts
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Posted: November 24, 2014, 10:26 am - IP Logged

Congratulations to Edwina on her win. Hopefully she has a very long life and can enjoy her win for years to come. Interesting that Edwina said "It's a lot but it's not that much money for me not to work". If I won what she did and had $86,034 after withholdings yearly that would be plenty for me to retire on. I definitely agree that the dream of her late father may have inspired her win. I feel luck was on her side since she played so rarely.

    maringoman's avatar - images q=tbn:ANd9GcTbRxpKQmOfcCoUqF2FyqIOAwDo7rg9G-lfJLAALPGWJWwiz19eRw
    Massachusetts
    United States
    Member #37433
    April 14, 2006
    2747 Posts
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    Posted: November 24, 2014, 10:49 am - IP Logged

    Congratulations to Edwina on her win. Hopefully she has a very long life and can enjoy her win for years to come. Interesting that Edwina said "It's a lot but it's not that much money for me not to work". If I won what she did and had $86,034 after withholdings yearly that would be plenty for me to retire on. I definitely agree that the dream of her late father may have inspired her win. I feel luck was on her side since she played so rarely.

    The state of MA offers the same game at the same price. In some random weeks I play it instead of playing the PB and MM.

    Congratulations Edwina. That's a nice hit.

    That money's gone fo ever

      LottoMetro's avatar - Lottery-024.jpg
      Happyland
      United States
      Member #146344
      September 1, 2013
      1129 Posts
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      Posted: November 24, 2014, 11:05 am - IP Logged

      Congratulations to Edwina on her win. Hopefully she has a very long life and can enjoy her win for years to come. Interesting that Edwina said "It's a lot but it's not that much money for me not to work". If I won what she did and had $86,034 after withholdings yearly that would be plenty for me to retire on. I definitely agree that the dream of her late father may have inspired her win. I feel luck was on her side since she played so rarely.

      If I won what she did and had $86,034 after withholdings yearly that would be plenty for me to retire on.

      I think many people would agree, but don't forget Edwina lives in NY, where the cost of living is significantly higher than elsewhere in the country.

      For me, would it be enough to retire....hmmm....it would be close but it wouldn't be a guaranteed "retire now" income stream. Maybe after 10 years or so. I picture myself traveling in retirement and that in itself can be very costly. If the net amount was closer to $200K or more per year I could see myself retiring immediately.

      I'm sure a lot of frequent players frown on her habit of playing only a few times a year, but that just goes to show that anyone can win, regardless how much they play. I think it's a little unhealthy to constantly pursue a dream that may not ever be fulfilled. As I've implied in other posts, it's hard to play catch up when you're in the hole from many losses. But if you've only played every now and then, even small wins can easily cover that and you still have a "chance" to win big. The most likely outcome is a loss anyway, so might as well take your time to getting there.

      LM

      If the chances of winning the jackpot are so slim, why play when the jackpot is so small? Your chances never change, but the potential payoff does.
      If a crystal ball showed you the future of the rest of your life, and in that future you will never win a jackpot, would you still play?

      2016: -48.28% (13 tickets) ||
      P&L % = Total Win($)/Total Wager($) - 1

        ThatScaryChick's avatar - x1MqPuM
        Idaho
        United States
        Member #56506
        November 21, 2007
        6537 Posts
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        Posted: November 24, 2014, 1:14 pm - IP Logged

        Congrats to Edwina on her win! Yes Nod

        "No one remembers the person who almost climbed the mountain, only the person who eventually gets to the top."

          Avatar
          NY
          United States
          Member #23835
          October 16, 2005
          3474 Posts
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          Posted: November 24, 2014, 6:20 pm - IP Logged

          Those withholdings don't represent the real after-tax income. If she was collecting a million bucks she'd probably owe more, but if the $130k is her only income she'll get a substantial refund, and probably have closer to $95k as an after-tax income. That's comfortable enough in her neck of the woods. She can move some place less expensive, but NY lottery income will always be subject t NY state income tax.

          What happens down the road is another matter. At 49 there's a good chance she'll need an income for another 35 to 40 years or more. To have an income that's comparable to $95k today will require about $190k when she's 74, if inflation runs 3% per year.

            Avatar
            New York
            United States
            Member #157288
            July 14, 2014
            170 Posts
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            Posted: November 24, 2014, 7:52 pm - IP Logged

            Congrats! That's a nice piece of change! I have to wonder though why the NY Lottery picks and chooses what winners to feature on their website.

            She probably wasn't making 86k at her job to begin with so I bet she could retire and live the same lifestyle without issue. If she has time vested at work that's even better because she can add her pension to her income once she is eligible.

              noahwill's avatar - Lottery-023.jpg
              Melbourne
              Australia
              Member #160219
              October 22, 2014
              42 Posts
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              Posted: November 25, 2014, 2:42 am - IP Logged

              Congrats to Edwina! A steady income for a lifetime is a fantastic prize! Must take off a lot of life's pressures.

                Avatar

                United States
                Member #122468
                February 1, 2012
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                Posted: November 25, 2014, 9:12 am - IP Logged

                The state of MA offers the same game at the same price. In some random weeks I play it instead of playing the PB and MM.

                Congratulations Edwina. That's a nice hit.

                You're right we do have the same game in our state. Just looked at our MA website and it shows that there are stll 7 winning jackpot tickets for that game. Unfortunately that game has a printout of 40,320,000 tickets and a 1 in 4, 032,000 chance of being a jakpot winner. In the past when I played scratchers I had tried all those week for life games and never won anything on them. It is a great prize for the winners though.

                  Avatar

                  United States
                  Member #122468
                  February 1, 2012
                  530 Posts
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                  Posted: November 25, 2014, 9:27 am - IP Logged

                  If I won what she did and had $86,034 after withholdings yearly that would be plenty for me to retire on.

                  I think many people would agree, but don't forget Edwina lives in NY, where the cost of living is significantly higher than elsewhere in the country.

                  For me, would it be enough to retire....hmmm....it would be close but it wouldn't be a guaranteed "retire now" income stream. Maybe after 10 years or so. I picture myself traveling in retirement and that in itself can be very costly. If the net amount was closer to $200K or more per year I could see myself retiring immediately.

                  I'm sure a lot of frequent players frown on her habit of playing only a few times a year, but that just goes to show that anyone can win, regardless how much they play. I think it's a little unhealthy to constantly pursue a dream that may not ever be fulfilled. As I've implied in other posts, it's hard to play catch up when you're in the hole from many losses. But if you've only played every now and then, even small wins can easily cover that and you still have a "chance" to win big. The most likely outcome is a loss anyway, so might as well take your time to getting there.

                  LM

                  Even though the cost of living is high in that state (same in my state as well) it's much more than I have ever made in a year. So you think you would need $200k or more to retire. I could easily retire on much less and with the exception of playing the lottery have always watched my expenses. You're right that anyone can win regardless of how much they play. Agree with your statement that it is a little unhealthy to constantly pursue a dream that may never be fulfilled. Also agree with your statement saying it's hard to catch up when you are in the whole for many losses. Those two reasons are why I had to reign in my lottery spending a year ago and keep myself on a budget that will allow me to play for the long haul but realistically know the astronomical odds of a lottery win are not in my favor so I no longer feel any stress about my playing since my feet are firmly on the ground.

                    shadowlady's avatar - Trek UFPSYM1.gif

                    United States
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                    April 7, 2014
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                    Posted: November 25, 2014, 10:03 am - IP Logged

                    Congratulations to Edwina.   

                    I know that if I won that prize, I would retire from my current job, because I do not make anywhere near that amount.  Then I would look around for a good hobby or interest to keep me active.

                      Gleno's avatar - Lottery-001.jpg
                      New Jersey
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                      September 25, 2009
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                      Posted: November 25, 2014, 10:06 am - IP Logged

                      Congrats to the winner. Wink

                        Get paid's avatar - Lottery-062.jpg
                        texas
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                        February 11, 2014
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                        Posted: November 26, 2014, 12:34 pm - IP Logged

                        Congrats Mrs. Silvera,Another big lotto win an still no one was struck by lightning or bit by a shark.You don,t play u don,t win.

                          sully16's avatar - sharan
                          Ringleader
                          Michigan
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                          Member #81740
                          October 28, 2009
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                          Posted: November 29, 2014, 7:18 am - IP Logged

                          Congrats Edwina, enjoy!

                          Did you exchange a walk on part in the war ?

                          For a lead role in a cage?

                           

                                                                      From Pink Floyd's " Wish you were here"

                            CDanaT's avatar - tiger avatar_04_hd_pictures_169016.jpg
                            TX
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                            Member #121193
                            January 4, 2012
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                            Posted: November 29, 2014, 7:45 am - IP Logged

                            Another winner !!!

                            Kudos Edwina .... Invest & spend wisely