You won the lottery! You can finally forget about all those bad tickets and unlucky numbers. But what happens next? After you hit the jackpot? Read on and you will learn how to win a prize and manage your money wisely.
Steps
What to do immediately after winning
- Write your name on the ticket, of course, unless it is prohibited by the rules or unless it prevents the creation of a blind trust that could receive the money on your behalf.
- Make several copies of both sides of the ticket, and place the original in a safe deposit box at a reliable bank.
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Contact an attorney immediately. You need to evaluate your legal options in terms of maintaining bank accounts and sharing winnings. A lawyer will be able to advise you and warn you about possible pitfalls.
Analysis of legal and financial consequences
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Protect your privacy and anonymity. Many lottery winners are published in the media, and it is likely that local newspapers will ask you for an interview.
- The method you choose to receive your winnings may help protect your privacy. Or you can maintain anonymity with the help of legal entities.
- Think carefully about whether you need media attention. It may be fun to appear on the evening news and become an instant celebrity, but it comes with its own set of inconveniences. Friends will start asking you for money. Your actions will be constantly monitored. Now, as a rich person, you will be expected to do certain things. If you want to avoid all this, you don't need media attention at all.
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Consult an attorney about creating a blind trust. This option will allow you to receive your winnings anonymously. You will be able to give a power of attorney, and the lawyer will help smooth out any rough edges in the agreement.
Consider taxes. The only inevitable things in life are death and taxes. It’s probably too early to think about death, unless, of course, winning makes your heart beat too fast. But there will definitely be taxes. It is better to consult a lawyer in advance about all the details.
- All lottery winnings are subject to taxes, whether they are received in one lump sum or paid out in annual installments.
- Keeping lottery winnings in a trust has some tax advantages, as it avoids probate after the winner's death and minimizes estate taxes.
- Simply put: trusts are not taxed as much, so consider this option!
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If the tickets were purchased jointly, form a partnership. If you purchased tickets as a member of a group, you and the entire group will likely have to spend several hours discussing and planning your activities.
- Consider the circumstances surrounding the joint purchase of the ticket. Was there any verbal agreement to split the winnings? Can it have any legal force? Forming a legal partnership in this situation is preferable to having one person receive all the checks.
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Consider the role of spouses or loved ones. Lottery winnings may be considered marital property, especially if the ticket was purchased with joint money.
- This means that in the event of a possible divorce, this money will have to be divided. Even if the parties are not married (or cannot marry, as is the case for same-sex couples in some states), both parties may still be entitled to receive the winnings.
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Consider gifting money to family members and friends. Lottery winners can gift a portion of their winnings and avoid gift taxes, as long as the amount donated does not exceed the exclusion limit. Gifts to charity may also result in favorable tax consequences.
- Consider donating to charities you care about or to organizations that truly need the funds. Cancer research organizations and children's charities are quite popular.
- Get gift recipients to sign confidentiality agreements. After signing such an agreement, they will not be able to disclose the fact of receiving the gift for five years.
Creating long-term winning benefits
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Contact a trusted accountant or financial advisor. It's best to do this before you start spending money. They will help you weigh all your options and advise you on the smartest way to manage the money you win.
- A financial advisor will discuss with you how much money you would like to spend and how much to save, whether to invest the money, and if so, how. In addition, he will most likely make a forecast of when you might be able to leave work.
- Consider a private bank or banker exclusively for lottery winnings, and transfer the investment profits to a regular savings account, transferring money to a checking account if necessary.
- Set up a trust in a private bank for your children and grandchildren.
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Allow yourself a modest initial increase in spending. Lottery winners often go broke because they lose their minds and immediately start buying houses and cars. Spend a little and save the rest so that you can live off the interest.
- It may not be the most attractive offer, but balance your short-term interests with your long-term goals. In the long run, no one ever regrets saving money.
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Consider the possibility of receiving your winnings not in full, but in annual payments. This will give you the opportunity for a year or two to make potentially bad financial decisions while learning to manage your money better.
Consider not quitting your job. Yes, now you are rich; however, you need to keep yourself occupied and distracted from spending money. You can work part-time or go on vacation for a while.
- Now is the time to think about your dream career. Stock broker, skydiver or school teacher - now you can do what you love.
- Consider going back to university. If you enjoy studying and find it fulfilling, consider enrolling in some courses that interest you. You don’t have to go to Harvard, you can go to a simple local university, the main thing is to make your brain work.
- Consider taking a financial course to help you better understand your financial advisor team's reports.
- Pay off your debts.
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Invest, invest, invest. You know the saying “it takes money to make money”? So, this is no longer an obstacle for you, you have money, and by investing it wisely you can also increase it.
- Remember, if investment returns do not exceed inflation, then the “purchasing power” of your money is actually decreasing.
- Diversify your portfolio, but also allocate something for risky investments. Consider safer options: pension funds, time deposits, certificates or money markets. Study finance.
- For US residents, the following information may be helpful: The government insures each bank account for $250,000, so if you want complete security, don't keep it in one account. large amounts. Invest the rest of your money.
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When buying things, pay with a credit card with a good bonus system, and pay off the credit card debt from your current account. This will allow you to receive certain bonuses. Be sure to repay the debt on time, otherwise you will have to pay interest to the bank.
Try to stay in the shade. Save your old friends, they have already been verified. Try not to attract unnecessary attention.
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Buy wisely. You may have enough money to buy an island and found a small nation, but it will still need to be governed. Before you buy anything, think about the potential costs associated with the purchase.
- Think carefully before buying a house. What will the property taxes be? What will the utility bills be? How much will you need to spend on maintenance? Consider that home values often change depending on the market.
- Think carefully before purchasing a fleet of expensive cars. After the first trip by car, its cost drops by 50%. Expensive cars require expensive maintenance, and in some countries there are significant taxes on imported cars.
- Remember, when dealing with small banks, go straight to the top manager. In the case of large banks, go to the private finance department or something similar for wealthy clients. They'll offer you more options, and they'll be more knowledgeable about details like privacy and security.
- Don't start spending without counting. Set a weekly spending limit and promise yourself not to exceed it.
- First, pay off your debts. Before you buy all sorts of stuff, free yourself from debt obligations.
- Control yourself. Extravagance can lead to loss of friends and personal crisis.
- If you can maintain your habit of handling money wisely even after have a good day, then you will always have money for emergencies. Buy some of the things you've always wanted and get back to your old normal life.
- Give it back old car some charitable organization.
- Don't brag, it will annoy people.
- Remember, be smart with your new wealth. Don't make impulse purchases of things you don't need. Your family may expect you to help, but you don't have to by default, it's your money, not theirs.
Warnings
- Many lotteries will require permission to publish the game and the winner, you should contact an attorney and try to prevent this on the grounds that such actions violate your right to confidentiality. If this fails, try to disguise yourself when photographing for the media: dark glasses, different clothes, some kind of disguise.
- Try not to let money be the main topic when communicating with friends, relatives, girls/guys.
- Remember, you cannot buy happiness. Some of richest people the world at the same time and one of the most unfortunate.
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Try to be quiet. Until you receive the money, do not tell anyone about your winnings. Whatever the amount, your life will change and you will have to get used to it. Relax, breathe deeply and don't chat. Maintaining confidentiality is very important.
Read all instructions carefully. This must be done before you receive your winnings. Instructions can be found on both the lottery ticket and the lottery agency's website. You don't want your winnings to be cut because of a stupid technical detail.
Winnings up to 200,000 rubles. pays lottery network"Balt-Loto" and other payment centers big prizes. You can receive winnings up to 300,000 rubles in Moscow in lottery center"Stoloto" on Volgogradsky Prospekt. Find the branch closest to you with the required payment limit on the stoloto.ru page by entering your city in the search bar.
Russian lotto: how to get winnings from a ticket purchased at Pyaterochka
Win up to 1000 rubles. you can get it on the website stoloto.ru. To do this you need to register. Then click “Check” on the insert for the game you want.
Enter the circulation number and your receipt number, click “Confirm”. On the page that opens, enter the bar code ( numeric combination at the bottom of the receipt). The money is transferred to your Wallet, the personal account of the Internet participant.
How to receive winnings from a ticket purchased at the post office
Winnings up to 1000 rubles. You can get it at Russian Post offices.
Winnings up to 2000 rubles. paid out by the Balt-Loto lottery network.
Stoloto, how to get winnings on a ticket
You can win over 2,000 rubles in several ways.
Transfer to your personal account. To do this, you need to send a set of documents by regular or express mail.
Place in the envelope:
statement;
original receipt;
a copy of the passport or other identification document (pages 2, 3 and page with registration);
Bank details.
Stoloto, how to get winnings from a ticket purchased on the Internet
So, you won the Russian Lotto. Congratulations! Now you need to find out how and where to collect your winnings. If you paid a receipt on the website stoloto.ru, a message will be sent to your phone with secret code. Receipt of winnings from such receipts is carried out through your personal account on stoloto.ru.
Billion draw 2018: Russian lotto was drawn for a billion New Year who won, see draw 1212
You can find out whether your Russian Lotto ticket won on the official lottery website stoloto.ru.
Stoloto is a company that has permission from the state to conduct lotteries. Of course, the Stoloto Trading House often has positive reviews, because hundreds of people became winners by purchasing a “Russian Lotto” ticket, “ Housing Lottery", "Gosloto" 3 out of 36", "Gosloto" 7 out of 49", "Rapido", the legendary "Sportloto" and many others. All Stoloto lotteries, reviews about them and rules can be found on the website stoloto.ru.
So, if you have already bought a lottery ticket, and not only bought it, but also guessed the winning combination, and you received an SMS with congratulations, then all that remains is to settle some minor formalities - and you can spend your winnings. By the way, it is not necessary to rush headlong to get your money; the Stoloto Trading House gives the winners 180 days to receive their winnings, starting from the day following the day of the draw. That is, the winner must be announced within six months. How and where you receive your winnings depends on how the bet was placed.
Certainly, multi-million dollar winnings are issued at the main office of Stoloto, but for smaller winnings you don’t have to go to the capital, but simply come to our partners from whom you purchased the lucky ticket. Retail points of sale pay winnings upon presentation of a receipt - regular paper or electronic.
By the way, it is very important to save your receipts, because without them the ticket is not valid. We ask everyone to note that retail outlets do not give out winnings if bets are made via the website or SMS. In this case, to receive your winnings, you can simply go to your personal account on stoloto.ru and there choose a convenient way to withdraw money. Details can be found on the website of the Stoloto Trading House. To do this you need to personal account Click on the type of receipt - electronic or paper. If the bet is placed via the website or SMS, then your receipt is electronic; at points of sale or terminal - paper. If you bought your winning lottery ticket from our partners - Euroset, Megafon communication stores, Svyaznoy store, Baltbet or 1xBet bookmaker, Russian Post office - then the receipt is electronic.
In addition to the receipt, to receive your winnings you will need identification documents - this is a passport. And don’t delete the SMS with the winning code, you will need it too. If you accidentally deleted such a message from the Stoloto Trading House, then do not be upset, your winnings will still go to you. You just need to send a request to the short number 9999. The request format is as follows - the word “code”, a space and the receipt number. Please note that a space must be included in the message. The code will be sent to you in a new SMS from the Stoloto Trading House. The price for requesting a code is the same as for all SMS messages under your mobile operator's tariff plan.
Play TD lotteries "Stoloto", reviews read about it on the website and win super prizes. This is the most The best way become a millionaire.
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Instructions
There are different lotteries in our country. And each organizer has its own procedure for receiving prizes. In any case, if you are lucky, you should carefully read all the nuances on the organizer’s website. And yet, let’s consider this issue using the example of two popular lotteries: Gosloto and Golden Key. Let's start with "Gold". The results of the draw are published in " Komsomolskaya Pravda"and the regional press. According to information on this website, prizes of less than 1,000 rubles can be received as early as next Tuesday, but over a thousand - only after a month and within six months from the date of publication of the results. You can receive money at the central office - in Moscow, or from regional representatives - all this information is available on the website. You also need to indicate whether you want to receive it in cash or by transfer to an account in any Russia. If you received a real prize - an apartment or a car, you also have a choice. Just like in the famous one. "Field of Miracles" - a prize or money. If it is money, then you will become the owner of an amount equivalent to the cost. You just need to call the phone number that can be found on the back and inform about your decision. To receive the prize you must present the ticket itself and your passport. It’s not convenient for you to go to Belokamennaya, you can send a registered ticket or with a valuable letter and indicate your address.
In Gosloto, winnings can be received within 180 days from the date of the draw. Amounts less than a million can be received by transfer to your personal account. If you are not a Muscovite, then you can send a ticket by letter, attaching to the original ticket a copy of your passport, a statement from a lottery participant, and bank details. If you have won more, then your personal presence at the central office is necessary. If during this time you were unable to receive your winnings for some reason, you need to send a letter to the organizer, attaching the same documents. And the organizer will decide for himself how valid your reason is. If the reason is not considered valid, then the money will go to the state, alas. But this is if you purchased the ticket in the usual way. After all, it is now possible to play via SMS, on the website, in instant payment terminals. Money won on the website can be received on the website, by transfer to the participant, or in the terminal by entering a code that will come to you via SMS. Amounts over 15,000 rubles can be transferred to your personal account by sending all the same documents listed above, but also attaching the winning code received via SMS.
Sources:
- Results of Russian Lotto No. 1183
Excitement and love for easy money will never allow the popularity of all kinds of jokes and lotteries to fade. The winning percentage in them is usually low, so the lucky ones who manage to earn millions in a matter of minutes become real celebrities. Even if your ticket turned out to be lucky, you still need to be able to get the winnings.
You will need
- For this you will need yourself winning ticket, as well as identification documents.
Instructions
Be sure to save it - this is the only proof of your winnings. If the winning amount is not high, then you can apply for it at the place where you purchased the ticket. Some pay on the spot amounts of no more than 2 thousand rubles, others - no more than a thousand. In this case, everything is quite simple, in exchange for a ticket, you receive your winnings. Things are more complicated if you managed a larger amount.
Video on the topic
note
After paying the tax, do not forget to fill out and submit an income tax return to the tax office.
If the ticket is damaged, then this is not a reason to refuse to pay you for your winnings. The main thing is that the date is readable on it, winning combination numbers, circulation number, and barcode.
Many food and consumer goods manufacturers offer incentive lotteries. There are people who have made winning prizes in such lotteries their hobby. They call themselves prizols. You too can become one of them.
Instructions
Choose the lottery you like and start collecting caps or stickers. Please note that it is more rational to find some of them on the street than to buy them with groceries, since consuming them in the amount required to receive a prize can have an extremely negative impact on your health. This is especially true for sugar-containing drinks, coffee, alcohol and tobacco products. But keep in mind that the organizers of some lotteries may use cash receipts when issuing large prizes - check this further in the forum.
We often see in almost all newspaper kiosks in the most prominent place tempting lottery tickets that attract us with big prizes and bright pictures. Gambling people often buy such tickets (especially since their cost turns out to be within 100 rubles, and it is possible to win much more).
Tickets can be bought anywhere, but when the coveted numbers appear winning is no longer so easy. How to find out where you can get your winnings in the Russian Lotto lottery.
To begin with, let's define the period during which the lottery winnings can be received. It is equal 6 months from the date of the draw ticket If for some reason you do not withdraw the money, it is transferred to the lottery fund.
Tickets can be purchased in two ways:
- buy a physical lottery ticket at a point of sale;
- buy an electronic lottery ticket via the Internet (for example, on the website stoloto.ru).
Best buy lottery tickets at those sales points where they will provide you with a receipt with a bar code (it’s easiest to use it to get your winnings directly via the Internet) or register your phone number and the bar code will be sent to you via SMS.
If you only have a lottery ticket in your hands and nothing else, you will have to go to an authorized sales center for such tickets, where they can pay you the winnings. If the amount is large, they can transfer it to the current account whose details you provide when applying for winnings.
If you have a bar code, then you can win the Russian Lotto lottery:
- via the Internet on the website stoloto.ru (registration required);
- in the Svyaznoy store;
- in the Megafon communication salon;
- at the Russian Post office;
- in several betting offices (1xBet, Baltbet and Balt-lotto).
What you need to have with you to receive your winnings:
- passport for identification;
- ticket;
- receipt with bar code.
