ATLANTA — The nation is getting lottery fever with a Powerball jackpot spiking up to $1.1 billion for Monday night's drawing. It's the first $1 billion jackpot of the year and just the 13th to exceed $1 billion in lotto history.

But it's no secret — winning the jackpot doesn't just mean you get to stuff a billion bucks into your pockets.

First there are the taxes, both state and federal. Then you have to choose whether to go with annual payments, which would eventually deliver the full post-tax jackpot, or a lump sum payment, which would provide something like half the post-tax jackpot.

The big differentiating factor there for lottery players is what state you live in. For residents of the Peach State, with a big lottery win comes paying the state income tax of 5.19% (that rate, for

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