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Featured Replies

  • Author
11 hours ago, bernorange said:

Are these winnings treated differently from interest for taxes?

Don’t know. People on the internet claiming that only prize amounts over$600 are reported to you. 

From their FAQ

 

Quote

Since the interest isn’t technically “interest” - it’s a “savings bonus” coming from Yotta, As long as you earn less than $600, we don’t report anything. It’s up to you to report the income.

If you earn over $600 in a year from Yotta (savings bonus plus prizes) then we are required to report the income you earned to the IRS.

 

4 weeks in with luck index of 50 +/- 5 every week. Looking like 1.47% annual return. 

  • Author

Deposited $1,200 and have won $16. However I’m fairly certain that was due to the referral tickets. Thanks everyone. 

One criticism that I have with then as a lottery game is that they’re a bit stingy with the medium level rewards: 5k, 1.5k and 1k. The amounts are generous but they are shareable with others so Yotta locks in a worse case scenario for themselves of 7.5k per week for that range of prizes. And it was only a $2.5k payout last week.

Last week 17 people hit the $1500 prize but won $88 each.

my suggestion to them was a second chance raffle that they if no hits the 5k that week, they randomly pick one person who made a scheduled deposit that week. 

 

Another $25 deposit
Another .15 cent win
Total savings : $2,126..80

Still better rate than a normal savings account

Sent from my SM-G950U using Tapatalk

I've won $19.15.  I'm going to cash it out and rub it on my titties.

Another $25 deposit
A new $ 10.10 win
Total savings : $2,161.90

Sent from my SM-G950U using Tapatalk

Fuck it, i'm in. To my kids, my the odds ever be in your favor!

The wife joined the same time I did and has only won 15 cents twice and 20 cents once. The rest of the weeks a big fat 0 

I won $0.00 this week for the 1st time. It still beats anything I can get at the bank. I'd be worried if the effective interest rate was much higher.

  • Author

Started out with 1K and set up an auto $50/wk, but decided over the weekend to push more of my emergency savings into it. Seems likely they will pay better than I was getting at Ally or Marcus.  .6%.

I find my weekly winning attitude is a lot like an A&M team. Feeling good going 2 for 2 on Mon-Tue. Then I have a couple of days where I still match numbers but can't hit 3 on one ticket. Then on Sat-Sun, I win a little bit to make me think next week is the week.

 

  • Author
10 hours ago, Nice Guy Eddie said:

Oct: 21%

Nov: 1%

FYI, the high Oct returns were due to that I only deposited 1K initially and many of you used my referral code to earn me free tickets for a week. My earning dropped significantly when the referral tickets dropped off. But I've offset that somewhat by adding more of my own funds.

7 minutes ago, Droopy said:

Signed up as well, thanks man!

Same I got a bunch of cash sitting around to pay for our home renovation so this seemed like a good option.

oct:  0.96%

nov: 1.27%

shits rigged yo

 

31 minutes ago, CBT said:

oct:  0.96%

nov: 1.27%

shits rigged yo

 

Beats a savings account

  • Author

I have my first 3 match ticket after a Wednesday draw. I’m completely convinced the 10m is mine or at least the Tesla.  I have about 12 hours left on that dream. 

7 minutes ago, Nice Guy Eddie said:

I have my first 3 match ticket after a Wednesday draw. I’m completely convinced the 10m is mine or at least the Tesla.  I have about 12 hours left on that dream. 

I got one too.  Already picking out which boat I want.

10 hours ago, TKthunder2 said:

I got one too.  Already picking out which boat I want.

Glad I didn’t make that down payment...

3 straight weeks of $0. Ever since I initiated that unlucky recurring deposit...

Another $25 deposit
A .70 cents  win
Total savings : $2,212.60

Total win $ since first deposit : $12.30

  • Author

My November APY was 1.39% (or so the app tells me.)

Not bad when you can't even find a 5-year CD above 1% at the moment. Even though I'm not hitting the higher prizes, I'm ok with this return.

Got a 4 number match yesterday. Missed on it today but it says a gotta ball match tomorrow is $47

Another $25 deposit
A .60 cents win this week
Total savings : $2,238.20

 

I never had fun saving before until this. It's an account off to the side that just slowly adds up. 

11 minutes ago, Samson's Wig said:

Where are you guys seeing your APY?  Or are you calculating it yourself?

on the bottom of the app its the second icon from the left that looks like a bank 

  • Author

I've also had a lucky month so far at 2.64%. I had a $7 ticket win last week which I think was the largest I've had to date. I also deposited a larger amount this past weekend so maybe the $ winnings will be higher now.

Another $25 deposit
A .60 cents win this week
Total savings : $2,289.45

Dec APY 1.42%

Slow and steady. Havent won any big prizes , but its something.

Last week I had a ticket that matched the first 4 numbers (Monday-Thursday) and didn’t hit a damn thing the rest of the week. $10.55 win 

Nov 5.35%

Dec 5.27% 

7 hours ago, 3adays said:

Last week I had a ticket that matched the first 4 numbers (Monday-Thursday) and didn’t hit a damn thing the rest of the week. $10.55 win 

Nov 5.35%

Dec 5.27% 

damn, you are doing better than I am. wife hasnt won shit over the last several weeks, says its rigged

I haven’t won Jack shit either. I won $.36 so far. My real savings is in an online high yield and I don’t see a big reason to make a switch over just yet. 

38 minutes ago, Johnny Chimpo said:

I haven’t won Jack shit either. I won $.36 so far. My real savings is in an online high yield and I don’t see a big reason to make a switch over just yet. 

Where and what rate?

I got 4 numbers last week also for a nice $15.10 'win'. 

Nov 1.48%

Dec 1.68%

  • Author
2 hours ago, nineliveslost said:

damn, you are doing better than I am. wife hasnt won shit over the last several weeks, says its rigged

 

1 hour ago, Johnny Chimpo said:

I haven’t won Jack shit either. I won $.36 so far. My real savings is in an online high yield and I don’t see a big reason to make a switch over just yet. 

How much do you have in Yotta? If you have a low amount, your variability in wins is going to be high, with it being low on most weeks. I have 20k there, and I'm seeing a consistent, boring 1.5%. But I still see weekly swings.  If someone has $500, they will most likely have weeks of $0 since they only have 10 tickets. I'm sure some online math whiz has figured out what is the minimum # of tickets to hit the median win %. 

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