The All-Russian State Lottery "Russian Lotto" is famous for its winning draws. Over the past few months, two jackpots have been announced,.

And these amounts are simply amazing. Many players are wondering where and how to get a win, especially if it is several million. If you bought a ticket, and as a result it brought a win, read the rules for receiving money.

Where to get a win?

If you become the owner of a lucky ticket that brought a win, after an emotional outburst, the question arises, where to get the win?

You don't have to receive your winnings. This is provided for security purposes. The winner will be able to receive amount up to 10 thousand rubles. This amount will be issued at lottery retail outlets. Everyone else will have to receive the winnings to a bank account, but before receiving it, you must inform the organizers about yourself.

How to get a?

To receive prizes, provide winning ticket organizers. It is worth remembering that the ticket is valid for 6 months from the date of winning.

We receive money at the point retail or communication shop. After the draw has passed and the ticket has become a winning one, it is necessary to indicate to the organizers how the ticket was purchased: through retail outlets or on the Stoloto website.

For those who purchased a ticket on the site and won up to 100,000 rubles, we receive the winnings by transferring to electronic cats, for this, just click the “transfer to qiwi wallet” button and the winnings will automatically go to the wallet.

For winning tickets from 100,000 rubles, it is necessary to send a letter to the address of the organizers, where to put the ticket, a copy of the passport, the winning code received by SMS, Bank details. The winning amount will be transferred to the personal account.

When a person wins several hundred million, he begins to worry about how he will receive his Jackpot. But do not worry, no one will give such an amount in hand. Naturally, any winnings are transferred anonymously and only to a bank account. For payment, we will register at the organizer's office, arrive there and fill out an application, providing a passport, ticket and code from SMS.

For those who purchased a Gosloto ticket at retail outlets, there is another way to receive a win. If the winnings amounted to up to 2,000 rubles, present your passport and ticket at the place of purchase.

In the event that the winnings exceeded 2,000 rubles, you need to send a letter to the address of the organizer, enclosing a ticket, a copy of your passport, and bank details.

For those who are lucky enough to become a millionaire and win from 2,000,000 rubles, you need to make an appointment at the organizer's office and arrive there at the appointed time with documents confirming your identity and winnings. And also provide bank details.

What tax?

It should be borne in mind that any winnings over 4,000 rubles are taxed in the amount of 13%. It is mandatory to pay this amount, as it is provided for by Russian law.

In some cases, the amount of tax can reach 30% and it applies to non-residents of the Russian Federation

Rate 35% applies to incentive winnings. These events are held as part of advertising and in order to increase trade. It is not worth neglecting the tax collection, since the authorities tax service all the same, they will be notified of the winnings and, if the declaration is not submitted on time, they will send an invoice for payment, where penalties will also be indicated. In the worst case, the tax debt will be transferred to the bailiffs.

Having become the lucky owner of a lotto win, it is best to follow all the rules for receiving Money as well as the procedure for paying taxes. And moreover, the winner of the state lottery will not have any problems. He can spend the money as he pleases.

You won the lottery! You can finally forget about all those bad tickets and unlucky numbers. But what will happen next? After you hit the jackpot? Read on to find out how to claim your prize and manage your money wisely.

Steps

What to do immediately after winning

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 talk. Maintaining confidentiality is very important.

Read all instructions carefully. This must be done before you receive your winnings. Instructions are 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, do you?

• Write your name on the ticket, of course, unless it is prohibited by the rules or if it does not prevent the creation of a "blind" trust that could receive money on your behalf.
• Make several copies of both sides of the ticket, put the original in a deposit box of a reliable bank.

1. Contact a lawyer immediately. You need to evaluate your legal options in terms of maintaining bank accounts and splitting winnings. A lawyer will be able to advise you and warn you about possible pitfalls.

   Analysis of legal and financial implications

   1. Protect your privacy and anonymity. The names of many lottery winners are published in the media, and most likely, local newspapers will ask you for an interview.

      • It is possible that the method you choose to receive your winnings will help protect your privacy. Or you can remain anonymous with the help of legal entities.
      • Think carefully about whether you need media attention. It might be fun to appear on the evening news and become a celebrity right away, but that comes with some inconvenience. Friends will start asking you for money. Your activities will be constantly monitored. Now you, as a rich person, will be expected to take certain actions. If you want to avoid all this, you don't need media attention at all.

   2. Consult with an attorney about creating a "blind" trust. This option will allow you to receive your winnings anonymously. You will be able to give power of attorney, and a lawyer will help smooth out any rough edges in the agreement.

      Consider taxes. In life, only death and taxes are inevitable. It's probably too early to think about death, unless, of course, the win makes your heart beat too often. But taxes will definitely. It is better to consult with a lawyer about all the details in advance.

      • All lottery winnings are taxable, whether received in a lump sum or paid out in annual installments.
      • Holding lottery winnings in a trust has some tax benefits, as it avoids probate after the death of the winner and minimizes property taxes.
      • To put it simply: trusts are not taxed the same way. high taxes, so consider this option!

   3. If tickets were purchased jointly, form a partnership. If you have purchased tickets as a member of a group, you and the entire group will likely have to spend hours discussing and planning your activities.

      • Think about the circumstances of the joint purchase of the ticket. Was there some sort of verbal agreement to share the winnings? Can it have any legal force? Forming a legal partnership in such a situation is preferable to the option in which one person receives all the checks.

   4. Consider the role of spouses or loved ones. Lottery winnings can be considered marital property, especially if the ticket was purchased with common 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 eligible to receive the winnings.

   5. Consider gifting money to family members and friends. Lottery winners can donate a portion of their winnings and avoid gift tax, provided the amount donated does not exceed the exclusion limit. Donations to charity can also lead to favorable tax consequences.

      • Consider donating to charities that you feel close to, or organizations that really need the money. Cancer research organizations and children's charities are quite popular.
      • Encourage recipients of the gift 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

   1. Contact a trusted accountant or financial advisor. This is best done before you start spending money. They will help you weigh all your options and advise you on the best way to manage your winnings.

      • A financial advisor will discuss with you how much money you would like to spend and how much you would like to keep, whether to invest the money, and if so, how. In addition, he will most likely make a forecast of when you could leave work.
      • Think of a private bank or banker solely for lottery winnings, and transfer profits on investments 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.

   2. Allow yourself a modest initial increase in spending. Lottery winners often go broke because they lose their heads and start buying houses and cars right away. 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.

   3. Consider the possibility of receiving the winnings not in full, but in annual payments. This will give you the opportunity for a year or two to take potentially bad financial solutions while learning to manage your money better.

      Consider leaving work. Yes, now you are rich; however, you need something to keep yourself busy and distract from spending money. You can work part-time or go on vacation for a while.

      • Now is the time to think about the career of your dreams. Stock broker, skydiver or school teacher - now you can do what you like.
      • Consider going back to university. If you enjoy and are satisfied with your studies, consider enrolling in some courses that interest you. It is not necessary to enter Harvard, you can also go to a simple local university, the main thing is to make your brain work.
      • Consider finance courses, which can help you better understand the reports of your team of financial advisors.
      • Pay off your debts.

   4. Invest, invest, invest. You know the saying "it takes money to make money"? So, for you, this is no longer an obstacle, you have money, and by investing it wisely, you can also increase it.

      • Remember, if the return on investment does not exceed inflation, then in fact " purchasing power"Your money is decreasing.
      • Diversify your portfolio, but allocate something for risky investments. Consider safer options: pension funds, term deposits, certificates or money markets. Learn finance.
      • For US residents, the following information will be useful: the government insures each bank account for $ 250,000, so if you want to be completely safe, do not keep large amounts in one account. Invest the rest of the money.

   5. When buying things, pay with a credit card with a good bonus system, and pay off credit card debt from your current account. This will allow you to get 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 shadows. Keep old friends, they are already verified. Try not to attract unnecessary attention.

      Buy smart. You may have enough money to buy an island and found a small people, but they still need to be managed. Before you buy something, think about the potential costs associated with the purchase.

      • Think carefully before buying a house. What will be the property taxes? What will the utility bills be? How much will you need to spend on maintenance? Consider that the value of a home often fluctuates depending on the market.
      • Think carefully before buying a fleet of expensive cars. After the first trip by car, its value drops by 50%. Expensive cars require expensive maintenance, and in some countries there are significant taxes on imported cars.

   6. Be considerate to your family. Your family was with you long before Fortune smiled. You may want to do something special for family members, but remember that you are not obligated to solve their financial problems.

      Deposit $250,000 on long term at high interest rates. Your bank will help you do this.

   • Write down your wishes, then review it with a sober head and determine what you really need. Some things are only good in dreams, but not in real life.
   • Don't waste money on things you don't need. If only a little.
   • Before withdrawing money, write down all the things you would like to do or accomplish, what you would like to avoid, how you assess the current situation and imagine the future. This is necessary in order to later re-read and remember what you were before becoming a millionaire. If your life goes downhill because of money, it might just be something you want to go back to.
   • Remember, when dealing with small banks, go straight to the top manager. In case of big banks go to the private finance department or something similar for wealthy clients. They will offer you more options, and they will be better versed in details such as privacy and security.
   • Don't start spending without an account. Set a weekly spending limit and promise yourself not to go over it.
   • First, pay off your debts. Get out of debt before you buy stuff.
   • Control yourself. Extravagance can lead to the loss of friends and a personal crisis.
   • If you can not change the habit of handling money wisely after a happy day, then money will extreme case you will always have. Buy something you've always wanted and get back to your old normal life.
   • Give 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.

Stoloto– online lottery

Registration in Stoloto, how to buy lottery tickets how to pay for tickets, check lottery tickets, get money.

Stoloto - online lottery. Step-by-step instructions on how to play lotteries on the official website stoloto.ru.

Briefly about why I play lotteries on the official Stoloto website online.

Hello dear readers. Personally, I rarely play lotteries, but my old mother used to play Russian lotteries, such as:

Russian loto, housing lottery, Golden Horseshoe, and our other lotteries.

And it's my job to buy lotto tickets.

But there are problems:

1. The nearest point of sale (post office) where I could buy lottery tickets is about two kilometers from home (four bus stops). It's not a big problem, I like to walk and walking is good for my health, but it's a pity for the time spent.

Especially when I come to the post office to buy lottery tickets, and there ...

2. Lottery or draw tickets that my mother needs are not always available. Of course, I can also buy the lotto tickets I need at the post office, but not as usual, having received tickets in my hands, but only online, through the official Stoloto website with checks (receipts) for payment with combinations of numbers, as in regular tickets.

So I thought that if it is my duty not only to buy, but also to check Stoloto lottery tickets (usually this is Russian loto And housing lottery), so why don't I register on this site and buy tickets for the necessary lotteries and draws there? No sooner said than done.

I registered on the Stoloto website and already bought the lottery tickets my mother needed several times, checked lottery tickets many times and even received winnings.

And I thought that perhaps other people would be interested in step-by-step instructions on how to play lotteries online, how to check the draws and tickets of the Russian Lotto, the Housing Lottery and other Russian lotteries, how to get winnings in Stoloto, how to receive bonuses and play for free in Stoloto lottery.

In this instruction, I will try to tell you step by step and within one article about the official website of Stoloto and how to play lotteries online there.

The beginning of step-by-step instructions on how to play stoloto.ru online lotteries correctly.

How to buy lottery tickets.

So let's start with the steps.

You can buy tickets and play lotteries online:

• On the official website, it is convenient using a computer
• On the mobile version of the site, using mobile devices
• Installed on your mobile device, mobile app Stoloto
• Via SMS
• in other ways

After registration, go to the official website of the company, open any lottery and in the section Rules of the game look and choose the most convenient way for you how to buy and play lotteries. For me the most convenient way to play lotteries is to play online on the main version of the site using a large computer monitor.

How to register on the official lottery website

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The main question of the winner: how to get a win? August 8th, 2013

When buying a lottery ticket, each of us hopes to get a big win. At this moment, few people think about what to do if the coveted prize really goes to you. How to get a big win, how quickly do you need to apply for the money due, do you need to pay tax on winnings in the lottery and in what amount? We will answer the main questions of lottery winners.

So, you are lucky and managed to hit the big jackpot in the lottery! After the first shock from such a joyful event has passed, any lucky person begins to wonder how to get a lottery win? The answer to this question lies in the rules of the lottery. Read them carefully: the main provisions can be found at reverse side ticket, and full terms lotteries and other legal information must be published on the website of the game in which you are lucky enough to hit the jackpot. If questions remain, you can call hotline”, contact the lottery distributors or the player support service for clarification.

According to current law about lotteries, winnings can be received within 180 days from the date of the drawing of the draw lottery or the discovery of winnings in the instant lottery ticket.

IN drawing lotteries small prizes (up to several thousand rubles) that have fallen out on the usual paper lottery tickets, as a rule, can be received directly at the lottery point of sale. But for a large amount, for example, for winning several million rubles, you will have to contact the organizers.

In any case, in order to receive the winnings due, you must provide a lucky lottery ticket. It is he who is the basis for the payment of the prize. It is no coincidence that experienced players are advised to sign lottery tickets with a big win. After all, if an unsigned lucky ticket is lost, then anyone who finds it can get a win on it. If your autograph is on the ticket, then there is an opportunity to prove that it belongs to you.

In order to receive a large lottery win, the player, in addition to the lottery ticket, must provide the organizers of the game with a passport, an appropriate application and the account number to which the money won will be transferred. In addition, many lottery organizers pay out large winnings only after an examination, which should confirm the authenticity of a lucky lottery ticket.

If you are lucky enough to hit the big jackpot in online instant lotteries, then everything is much simpler. You don't have to go anywhere to claim your prize. Lottery winnings are credited to the account in the player's personal account. For example, on the LotoPobeda.ru website, this happens automatically. Moreover, information about all the tickets and winnings played by the player is also stored in his personal account. The lucky person can cash out the money won in a convenient way, for example, withdraw it to bank card, personal account, to your electronic wallet, put on a mobile phone or send by transfer.

In conclusion, it is worth mentioning a few more important points. According to Russian legislation From any winnings in the lottery, a citizen must pay tax on his own. The rate is 13%. Prizes not claimed in fixed time(180 days), lottery organizers are required to keep in a special account for 3 years. This is done so that lottery winners who do not have time to apply for a prize for significant reasons can still receive a prize in the lottery. Such reasons include, for example, a serious illness, a long business trip, military service, etc. The winner must provide the organizer with documents proving the existence of such reasons. The organizers of the lottery conduct the necessary examinations and, if they are positively concluded, they pay the prize.

So, getting a lottery win should be taken no less seriously than the question of how to spend the millions won. After all, if you lose time or lose a lucky ticket, then you can completely be left without lottery wealth. The easiest way to get winnings is in instant lotteries online. In general, choose the lottery to your liking, play, win and get the coveted prizes!

We will talk about the rules for participating in lotteries on the Stoloto website. Read about what you can play and how to act to win. Find out how to check if you have won a ticket or not, as well as how to get your winnings if you played online.

08.05.2018 Alexander Fattakhov

Lotteries are the national gambling. Each of us at least once in our lives bought a treasured ticket in the hope of hitting a big jackpot.

All Russian state lotteries are concentrated in one place - in the Stoloto company. In this article, we will analyze in detail what it is, how to play Stoloto online correctly, and what the chance of winning depends on.

What is Stoloto

Stoloto positions itself as a lottery trading house where anyone can come and try their luck. The company is engaged in the sale of one and a half dozen different state lotteries, including such well-known as "Russian Lotto" and "Gosloto 5 out of 36".

Stoloto is not just a distributor, but a whole system that services state gambling.

Services include:

• retail tickets
• online sale;
• conducting lotteries;
• payouts to winners;
• Information Support.

Possible risks

Let's immediately add a fly in the ointment by talking about the risks. The organizer always wins Golden Rule any gambling. Moreover, of all fair gambling, the lottery is the most profitable for the company.

Compare with a casino. An average player who comes to a gambling establishment with 1,000 rubles in his pocket will leave with 950-990 rubles. In the lottery, this figure is at around 50%! Huge income for the organizers.

Another risk factor is high probability deceit. This fact has not been documented anywhere, but there is a large number of skeptics who do not believe in the honesty of the draws.

The main argument of all skeptics is that the pranks are broadcast on tape, and the necessary results are adjusted without showing it to the public. Sounds like a conspiracy theory, but the 2259 and 2260 records have exactly the same position of the balls at different timestamps, which is unlikely from any point of view.

What it is, we do not undertake to judge, but before the game you must soberly weigh all the risks.

What can you play in the lottery supermarket

So, you still decided to try your luck and buy the coveted ticket. Let's look at what to play and how much you can win.

As mentioned above, the site features 15 different lotteries. Conventionally, they are divided into 3 categories.

Fast lotteries

Drawings are held every 15 minutes, while large amounts up to 15,000,000 rubles are drawn. But do not think that such amounts are handed out right and left every circulation. Usually maximum amount winnings do not exceed 5000 rubles.

These include:

• KENO-Sportloto;
• Prikup;
• Rapido;
• Top 3;
• Duel;
• 12/24.

Multi-million dollar lotteries

These are the most cash lotteries. If we take the largest cash prizes, then most of them fell out in the famous Gosloto 6 out of 45.

The record win for one ticket is more than 358 million rubles.

From one to six draws are held daily for each of them. The rules are extremely simple - you must select a certain number of numbers and wait for the result. The name speaks for itself. For example, in Gosloto 4 out of 20, 20 balls are loaded into the lottery drum, and the player needs to choose only 4.

Gosloto has 5 varieties:

• 4 out of 20;
• 5 out of 36;
• 6 out of 45;
• 7 out of 49;
• Sportloto Matchball.

TV lotteries

The third variety is a real show with invited guests and spectators in the hall. Circulations are held once a week, and broadcasts are on TV in live. Huge cash prizes, apartments, cars, vacation packages and much more are up for grabs.

These include:

• Russian loto;
• housing lottery;
• 6 out of 36 (not to be confused with Gosloto);
• Golden horseshoe.

How to play on the Stoloto website - basic rules

It was mentioned above that the Stoloto company is responsible for selling online tickets for its lotteries. But we did not consider this issue in detail.

We have compiled an instruction manual for everyone who wants to try their luck without leaving their computer.

Stage 1. Registration on the site

The first thing to do is register on the site. There is nothing complicated in this - just fill out the form.

You must provide the following information:

• email;
• password;
• phone number.

You will also be asked to confirm that you are over 18 years old.

Don't try to cheat the system. For operations with large sums identity verification is required.

Phone and email must be valid. They will require confirmation.

Stage 2. Buying a ticket

First of all, you need to replenish the wallet. This is done from personal account or after choosing a lottery ticket.

The wallet is replenished in the following ways:

1. A plastic card.
2. Online banking.
3. From number mobile phone.
4. Yandex money.
5. Qiwi.
6. Single wallet.
7. Bank transfer.
8. Replenishment through terminals.

The maximum amount of one transaction is 300,000 rubles. At the same time, more than 600,000 rubles cannot be on the wallet.

Choose the lottery you are interested in from your personal account or simply on the website. After filling in the numerical field, it remains only to purchase a ticket.

Stage 3. Checking the ticket

E-tickets checked automatically. You can also see the result in your personal account.

If you do not trust the system, watch video broadcasts in the "Archive of Draws" tab. If there are controversial situations, for example, your ticket won, but the system does not consider it as such - contact technical support.

There is also an application for a smartphone, in which all player options are available.

Stage 4. Receipt of winnings

You are lucky and you have become the owner of a lucky ticket that brought you money. Where to get a prize?

The information on the site tells us the following:

1. Up to 100,000 rubles. Such amounts are automatically transferred to your personal account. Withdraw money in a convenient way for you. To receive amounts over 40,000 rubles, go to full identification personality.
2. From 100,000 to 300,000 rubles. Big winnings are given out in the centers for receiving big prizes. They are located in Moscow, St. Petersburg and Yekaterinburg.
3. From 300 000. Such huge winnings are issued only in lottery center Stoloto in Moscow.

To receive a prize of more than 1,000,000 rubles, an additional examination of the ticket will be required.

Note! You have the right to withdraw from your personal account only the money won. If you deposited 10,000 rubles, and then decided to pick them up, nothing will work.

Why I don't win - 3 possible reasons

Looking at the winners of multi-million dollar prizes, one involuntarily thinks: “Why don't I win?”. It is impossible to answer this question for sure. The science responsible for the lottery - the theory of probability - only calculates the odds, but does not choose the winner.

There are a huge number of versions, reasons. Someone believes in the conspiracy theory of the organizers and tries to deceive them. Others go to fortune tellers and psychics to increase their chances of winning.

Let's look at the lottery as a fair game of chance based on dry mathematics.

In this case, the reasons for failure will be as follows:

1. Reason 1 - you don't play enough. The chances of winning are in millionths of a percent. Here it is worth considering a simple example. There are 100 numbered balls in a bag. You need to draw the ball with number 17. If you have one attempt, then the chance of success is 1%. Two attempts - 2%. Fifty attempts - 50%. This also works with tickets.
2. Reason 2 - You stopped playing. History knows many people who hit the jackpot after ten or even twenty years of participation. Do not think that by playing once you will hit a multi-million dollar jackpot. There are times when people have won by buying one ticket, but this is the exception that proves the rule. These people are 1 in a billion. The owner of the largest prize in Russia claims to have been playing Russian Lotto since the foundation of the lottery.
3. Reason 3 - you are an unlucky person. Luck cannot be measured mathematically. But there is such a thing as "light hand". Someone is more lucky, and he draws prize tickets. And someone out of 100 will pull out the only one that will not bring anything.

Is it worth relying on intuition - what the winners say

Intuition for many is the determining factor when buying a ticket. But what do the winners say about this? Looking at the biggest wins in Russian history, it turns out quite an interesting picture.