Lottery tickets ! - Chicagoland Sportbikes
Chicagoland Sportbikes
 
Open Forum This forum is for all off-topic discussion.

Reply
 
LinkBack Thread Tools Display Modes
post #1 of 52 (permalink) Old 12-23-2002, 01:09 PM Thread Starter
Registered User
 
2weelpilot's Avatar
 
Join Date: Apr 2002
Location: Spring Grove, IL
Posts: 18,082
Location: Spring Grove, IL
Sportbike: yz250f
Years Riding: 25 years
How you found us: dont recall
           
Lottery tickets !

I was in WI yesterday and got my tickets for the big $300,000,000.00 drawing on Christmas Day !!

Did any other suckers get suckered into buying(wasting) money on it ?

*dreaming how to spend it*
2weelpilot is offline  
Sponsored Links
Advertisement
 
post #2 of 52 (permalink) Old 12-23-2002, 01:15 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
i didnt, i dont waste my money of dreams that are to luck.

but hey nothing wrong with it. just add out the amount of money there making money off of it, the states that is...its usually 5 times the amount there giving away EASY, and they got the cash in the hand, but OH if you want a lump sum, it gets cut down to the pennys on the dollar .


anyway i hope the people that wins on it can REALLY use the money. and do good and help other that really have it bad in there life.
instead of blowing it on stupid shit



Odysseys is offline  
post #3 of 52 (permalink) Old 12-23-2002, 01:29 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
no.

Hey Ken that lump sum payoff is the way to go. If you do the figures it just gives what it cost them to give it to you now instead of them spreading it out like an annuity. That way you can take that whole amount and make the same amount they would have given you over time by putting it in your own annuity or try to get a better interest payoff other ways. It makes no sense to take it in payments.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #4 of 52 (permalink) Old 12-23-2002, 01:40 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
then whats all this crap i heard about...ok you won 200 million....do you want a lump sum now of 100 million or take the 200 million in payments over the next 30 years?



Odysseys is offline  
post #5 of 52 (permalink) Old 12-23-2002, 01:43 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
then whats all this crap i heard about...ok you won 200 million....do you want a lump sum now of 100 million or take the 200 million in payments over the next 30 years?

It's crap. If you die during your payments they won't pass on to your kin. There are so many better investment options you can and should do with that kind of dough and taking an annuity defies so many diversification rules with that much cash. There are just so many reasons to take the lump if you actually win.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #6 of 52 (permalink) Old 12-23-2002, 01:43 PM Thread Starter
Registered User
 
2weelpilot's Avatar
 
Join Date: Apr 2002
Location: Spring Grove, IL
Posts: 18,082
Location: Spring Grove, IL
Sportbike: yz250f
Years Riding: 25 years
How you found us: dont recall
           
you mean $300,000,000 doesnt ineterest you intrying your luck ? Hell the $5 I spent is less than I spend supersizing my value meals in a month ! ! <<< (I need to work on that !!)
2weelpilot is offline  
post #7 of 52 (permalink) Old 12-23-2002, 01:46 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
so brain i am right in the way the offer to pay you off?
lump sump of the total you won right now...OR...collect the total over 30 years if you remain alive.

am i right?

if so then thats what i said to begain with...but your saying, screw that take it and spend it while you are alive since they wont give the rest of the payment to anyone else.


so which is correct....i think your going to say both are.



Odysseys is offline  
post #8 of 52 (permalink) Old 12-23-2002, 01:47 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
mike sorry bro, it doesnt intrest me



Odysseys is offline  
post #9 of 52 (permalink) Old 12-23-2002, 01:50 PM
 
Join Date: Apr 2002
Posts: 916
 
Like Crazy said... You'd be Crazy to NOT take the lump sum.


by taking the lump sum (100mil) and investing it, you will end up with (hopefully) more than the 200mil over 30yrs. Plus you will be paying 2002 taxes not 2028 which would probably also save you $$ (taxes rates tend to not go down). In addition to this your family would forever have the money, even if you die. Tons of reasons to take the lump sum payout.

My college economics proffessor once said "the lottery is the dumb-people tax". What he meant was the if you really look at the odds, its a waste of money to buy tickes. OTOH---somebody usually wins and you can't with unless you buy a ticket. I only buy a ticket when the jackpot is huge and I happen to be in the liquor store/gas station anyway...
vtr996 is offline  
post #10 of 52 (permalink) Old 12-23-2002, 01:51 PM
Super Moderator

 
Vcook's Avatar
 
Join Date: Apr 2002
Location: Winfield
Posts: 43,229
Location: Winfield
Sportbike: bikeless
Years Riding: 10
How you found us: Shit, you know I'm a clsb OG!
           
Send a message via AIM to Vcook
always take the lump sum. If you take 100million spread out over 20 years you run the risk of dying and the payments arent passed on to survivors. Plus, buy taking a lump sum of say 20Million on a 100Million jackpot you give yourself 20Million to invest however you like. You can make up whatever you lost out on via investments. Not going with the lump sum is the stupidest thing a lotto winner could do. The second stupidist would be not getting a financial advisor.

Chris
Vcook is offline  
post #11 of 52 (permalink) Old 12-23-2002, 01:56 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
i know what you guys are saying about taking the SUM of the total now versus taking payments over lets say 30 years, but is what i thought i heard correct?
thats the question i had.

and BTW i too would take the sum of the total now.
but dont think your going to be making a shit load of money off the market with investing

not unless shit changes here in the next few years.

besides 10 million isnt that much money to live that kind of life stlye.
the more you have or make the more you spend and the more you have to make to support it



Odysseys is offline  
post #12 of 52 (permalink) Old 12-23-2002, 01:57 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
so brain i am right in the way the offer to pay you off?
lump sump of the total you won right now...OR...collect the total over 30 years if you remain alive.

am i right?

if so then thats what i said to begain with...but your saying, screw that take it and spend it while you are alive since they wont give the rest of the payment to anyone else.


so which is correct....i think your going to say both are.
I'll put it a different way. Sorry I don't have a financial calculator here to show you numerical but here it goes.

If you take payments: They put the whole amount in an annuity which say makes 4 percent interest. You don't get any of that interest though. You just get payments on the original winnings over the course of 30 years. So after 30 years you will receive the whole amount of your winnings if you stay alive.

Now take the lump sum minus the interest they would have made, that's why it's less. You have a lessor amount but your investment options are greater. Now you can take that lessor lump sum and put it in your own annuity making 4% and eliminate the risk of losing it incase of death and come close to making the same amount by the time your done. Add in there what you want to spend and take away a bit of that principle. Then take that amount and try your hand with a bit more aggressive investments and chances are you still make the same amount as the original winning and maybe more, but maybe less too. The point is the fate is in your hands and not someone elses.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #13 of 52 (permalink) Old 12-23-2002, 01:59 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Vcook
The second stupidist would be not getting a financial advisor.

Skrew the advisor. I don't need one of those. I would however hire I good lawyer for all those hidden people that come out of the woodwork and want a piece. Better yet....I'll just hire Ken to kick some but for me

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #14 of 52 (permalink) Old 12-23-2002, 02:00 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
Quote:
The point is the fate is in your hands and not someone elses.

and how would you describe investing? as a rock solid money market without losses


i get your point though



Odysseys is offline  
post #15 of 52 (permalink) Old 12-23-2002, 02:02 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
and BTW i too would take the sum of the total now.
but dont think your going to be making a shit load of money off the market with investing


You can find a risk free or near risk free investment, at least your not handing the state money for free.

edit: that should answer your last comment as well

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #16 of 52 (permalink) Old 12-23-2002, 02:12 PM
Super Moderator

 
Vcook's Avatar
 
Join Date: Apr 2002
Location: Winfield
Posts: 43,229
Location: Winfield
Sportbike: bikeless
Years Riding: 10
How you found us: Shit, you know I'm a clsb OG!
           
Send a message via AIM to Vcook
with sums we are talking about you could find a bank that would give you a 4% or better interest rate on a fricken savings account or even a checking account! A bank would love to have a million plus of your dollars sitting it it.

Chris
Vcook is offline  
post #17 of 52 (permalink) Old 12-23-2002, 02:14 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Vcook
with sums we are talking about you could find a bank that would give you a 4% or better interest rate on a fricken savings account or even a checking account! A bank would love to have a million plus of your dollars sitting it it.
Very true Chris, I was just using 4% as argument sake. I don't have a list of options in front of me. There are so many things you can do though. You could even buy treasuries or even Municiple bonds so you don't have to pay tax on gains. Options are up to you.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #18 of 52 (permalink) Old 12-23-2002, 02:31 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
ok other then my current bonds, stock shares, and other portfolies, and savings bond, t bonds, treasuarys.

if i gave you 250,000 cash right now...how long will it take you to make it into 1 million dollars ROCK SOLID DATE and TIME?

of course i wont be making with draws from it.



Odysseys is offline  
post #19 of 52 (permalink) Old 12-23-2002, 02:36 PM Thread Starter
Registered User
 
2weelpilot's Avatar
 
Join Date: Apr 2002
Location: Spring Grove, IL
Posts: 18,082
Location: Spring Grove, IL
Sportbike: yz250f
Years Riding: 25 years
How you found us: dont recall
           
arent you only insured up to 100,000 in a bank anyway ? Holy shitskies youd have track down a bunch of banks to dump your $ in !
2weelpilot is offline  
post #20 of 52 (permalink) Old 12-23-2002, 02:40 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
ok other then my current bonds, stock shares, and other portfolies, and savings bond, t bonds, treasuarys.

if i gave you 250,000 cash right now...how long will it take you to make it into 1 million dollars ROCK SOLID DATE and TIME?

of course i wont be making with draws from it.

Well I don't usually deal with such small numbers.


Seriously....it really depends on how much risk your willing to take. If you don't care about the cash and jsut want to basically place a bet you could do it in a matter of days, but I could lose twice that amount too. If I had my financial calculater with me I could figure out by the day when certain investments, riskfree, could make you a mill. Sometimes you can get lucky and find a 400% gainer, infact one of my investments did this year. Unfortunately it wasnt' 250 g's or I'd have that mill by now.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #21 of 52 (permalink) Old 12-23-2002, 02:43 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
without getting to personal about me, but ill tell you this anything more then 100,000 in charter 1 banks, you have to get extra federal insurance to cover over that revolving balance in your account, checking and savings.
dont know about other banks to much but bank 1 i think was the same too.

i say anyone with over 500,000 in just a holding savings account should go over seas



Odysseys is offline  
post #22 of 52 (permalink) Old 12-23-2002, 02:46 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
yeah your right, my 250,000 isnt much at all
besides its just petty cash on the side

but back to it...i dont want to risk not a red cent.
so let me know when ya get your calculator



Odysseys is offline  
post #23 of 52 (permalink) Old 12-23-2002, 02:48 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
without getting to personal about me, but ill tell you this anything more then 100,000 in charter 1 banks, you have to get extra federal insurance to cover over that revolving balance in your account, checking and savings.
dont know about other banks to much but bank 1 i think was the same too.

i say anyone with over 500,000 in just a holding savings account should go over seas

That 100k is the FDIC limit for all banks. It really doesn't make sense to have more than 100k in a bank anyway unless your business warrants holding that much cash. But on a personal level IMO that's jsut lazy. There are too many options out there to put your money to work in.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #24 of 52 (permalink) Old 12-23-2002, 02:55 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
your saying my net worth of what ever is lazy?
and for the 12th time...tell me when you can turn 250,000 dollars into 1,250,000.00 without risking 1 cent with a return of what ever % on the least amount of time return.


(just so you know i am not bashing you just wondering tell me the avenues)



Odysseys is offline  
post #25 of 52 (permalink) Old 12-23-2002, 02:57 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
oh i forgot to mention, what ever i have in my savings is gaining 5% so it isnt lazy in the way your saying...
ofcourse just like everyone else i want more money



Odysseys is offline  
post #26 of 52 (permalink) Old 12-23-2002, 02:57 PM
Moderator

 
Underdog's Avatar
 
Join Date: Aug 2002
Location: Not Chicago Anymore
Posts: 9,252
Location: Not Chicago Anymore
Sportbike: 08 YZ250F, 03 Tuono
Years Riding: Eh?
How you found us: .
           
Financial guru stuff aside...here's a good way to look at it:

Cost of a hamburger 30 years ago: I have no idea...I'm not that old.

Cost of hamburger today: $1.50ish

Cost of hamburger 30 years from now: More than $1.50ish.

Point is, the value of a dollar DECREASES over time. I forget the rate, but choose your own example. Anyway, inflation sees to it that your 30 year payout is worth less and less each year. That $200K or whatever you're getting a year as a payout would be the equivalent of (pardon the super fuzzy math) like $170K by then. Net: You could say that over time, and given the economy, you'd get the same dollar amount (in relative value) either way. With a lump sum you just get it faster.

Huh? I'll stop talking now.

<---- Patrick

Property of Evil Monkey Racing

Just because I don't care doesn't mean I don't understand.


Underdog is offline  
post #27 of 52 (permalink) Old 12-23-2002, 03:09 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Odysseys
your saying my net worth of what ever is lazy?
and for the 12th time...tell me when you can turn 250,000 dollars into 1,250,000.00 without risking 1 cent with a return of what ever % on the least amount of time return.


(just so you know i am not bashing you just wondering tell me the avenues)


What I am saying is this isn't a one second answer. There are too many variables Ken. I have to know what interest rates on risk free rates. I don't have them in front of me. If I had a TVM calculator I could just figure it out with your savings account at 5% interest. But that's a variable rate and would be theoretical too. You also need to think about diversification. If you have that much cash in your savings account you would be investing like a retired person looking for income. It takes some effort but you need to sit down and figure out a risk level and take appropriate actions with your portfolio. Is it guaranteed no....but your young and have some time to take a loss. That's why I said it's lazy for a person to have that much in savings, I guess if that was maybe 3-5% of your net worth it would be a different story. Right now you have the time to make some mistakes where later in life you will not. You'll need the income from you principle. For the twelvth time I don't have my calculator on me. Sides I'm not in the personal investment biz. I'm just giving some free advice. I guess I should keep my secrets to myself though. Just like business ideas you don't want everyone knowing them or they stop working.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #28 of 52 (permalink) Old 12-23-2002, 03:14 PM
Registered User
 
Kruz's Avatar
 
Join Date: Apr 2002
Location: West of 59, North of 88
Posts: 18,885
Location: West of 59, North of 88
Sportbike: 05 CRF50
Years Riding: "Since 1992"
How you found us: You found me
           
My eyes are burning reading this.....

Lottery = poor man's tax

Always take the lump sum.....period. Well unless you are a complete moron...BTW, I have a really pimpin bridge for sale.

Most bank's are FDIC insured up to $100m. Makes no sense to get extra insurance when you can spread it around ten banks without added costs.

Assuming a 3% annual return...$250m will turn into $1MM in 47 years.
Kruz is offline  
post #29 of 52 (permalink) Old 12-23-2002, 03:16 PM
Registered User
 
Meulen's Avatar
 
Join Date: May 2002
Location: Romeoville
Posts: 19,186
Location: Romeoville
Sportbike: looking to get dirty!
Years Riding: long time
How you found us: SBN
           
Quote:
Originally posted by Kruz
My eyes are burning reading this.....

Lottery = poor man's tax

Always take the lump sum.....period. Well unless you are a complete moron...BTW, I have a really pimpin bridge for sale.

Most bank's are FDIC insured up to $100m. Makes no sense to get extra insurance when you can spread it around ten banks without added costs.

Assuming a 3% annual return...$250m will turn into $1MM in 47 years.

Thanks John, ken's got a 5% interest rate in his savings acount though and it seems he's looking for other risk free rates which I don't have quotes for.

Brian (F.K.A. Crazy)

Gamertag: CRAZY403


“You can’t escape the responsibility of tomorrow by evading it today.”

-Abraham Lincoln


“Blessed are the young, for they shall inherit the national debt.”

-Herbert Hoover
Meulen is offline  
post #30 of 52 (permalink) Old 12-23-2002, 03:18 PM
YO MAMA
 
Odysseys's Avatar
 
Join Date: Apr 2002
Location: balls deep in someones mom
Posts: 60,261
Location: balls deep in someones mom
Sportbike: 2010 Electra Glide Police Edition 103cu
Years Riding: a long time!
           
that's what i thought

And yes I do invest, and yes it is VERY diversified, some make money, some lose it with HOPING it will go back up, some is rock solid, and so on. You get the point its what you do.
I don't do it actively nor do I posses enough knowledge to do it profitable more then my current line of work. The fact is investing is investing for the future.

taking my 250,000 and going to openhimier(sp?)
j/k



Odysseys is offline  
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Chicagoland Sportbikes forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome