彩票号码开出55555
1月17日，中国体彩最新开奖结果出炉，排列3的开奖号码为“555”，排列5的开奖号码为“55555”，清空5亿奖池，引发热议。
啥也不说了，今天我们一起来看看彩票中奖了怎么办，先学起来！希望大家有一天能用上这些知识！
🤔️小作业：
1. According to the article, what should a lottery winner prioritize immediately after winning?
A) Celebrating with family and friends.
B) Announcing their win publicly.
C) Maintaining confidentiality.
D) Contacting lottery officials.
A) Immediate increase in happiness.
B) No psychological effects.
C) Opportunities for philanthropy.
D) Impact on mental health.
无注释原文：
If you win the lottery, here's what you should (and shouldn't) do
From: CNN
July 19, 2023
So, you won the lottery. Congrats! What do you do now?
Once you're done screaming and dancing in a shower of champagne, take a moment to gather yourself and start thinking about the more pragmatic aspects of your new life as a multimillionaire (or billionaire).
So what will you do with the cash? Do you take the lump sum or the annuity paid out over time? How much will you give to charity, friends and family?
First things first, according to experts: Keep your mouth shut.
Before you broadcast your sudden windfall to the world, and even before you contact lottery officials, you'll be wise to surround yourself with a team of lawyers and financial advisers.
Most states will not let you claim the prize anonymously, which means you'll need to act fast to protect yourself before you're inundated with vultures or new-found relations.
And while this might seem obvious, don't forget to document your win. Make copies of both sides of your lottery ticket, and then lock it up somewhere only you can access it.
Then, get to work. And it will be a lot of work.
“I think it can be more of a curse than a blessing for some, just in all of the work that has to be done,” Belinda Herzig, senior wealth strategist at BNY Mellon Wealth Management, told CNN late last year.
Hiring a lawyer should be a top priority. And not just any lawyer.
“Find an attorney who has experience dealing with people with this level of wealth, because it is different,” says Herzig.
That means aiming for a specialist at a large national law firm.
Next up, you'll need an accountant and a financial adviser to protect your wealth from “creditors and predators,” as Herzig puts it.
Again, you'll want to look for experts at larger institutions who have experience figuring all this out. (Your neighbor Gary the CPA might be a great pal who's done your taxes before, but he almost certainly hasn't dealt with an influx of wealth like the one you, lucky lotto winner, are dealing with.)
Another thing to keep in mind: It pays to be a good person. One of the biggest winners of the Powerball will be the IRS, which gets its cut in federal income tax, Herzig says, but you can offset some of your tax liability by using philanthropy as a way to receive a charitable deduction.
Once you're lawyered up and have a solid financial team you trust, have those advisers look over the lottery's rules before you sign the original ticket, according to State Farm's consumer-advice site Simple Insights.
The rest is mostly personal finance 101: Pay off your debts, set up savings, diversify your investments and keep up a robust emergency fund. Your crack team of helpers can manage it all for you.
But there's one big piece of the lottery puzzle that you can't farm out to lawyers, and that's your mental health. Plenty of past winners serve as cautionary tales about the psychological impact of sudden wealth, and all the changes that come with it.
- ◆ -
注：完整题目见本文开头；中文文本为机器翻译并非一一对应，仅供参考
含注释全文：
If you win the lottery, here's what you should (and shouldn't) do
From: CNN
July 19, 2023
So, you won the lottery. Congrats! What do you do now?
恭喜你，彩票中奖了！接下来，该怎么办呢？
Once you're done screaming and dancing in a shower of champagne, take a moment to gather yourself and start thinking about the more pragmatic aspects of your new life as a multimillionaire (or billionaire).
在香槟的沐浴下尖叫起舞之后，花点时间平复心情，是时候开始思考作为千万富翁（或亿万富翁）的新生活中更实际的事了。
champagne
champagne /ʃæmˈpeɪn/ 作名词，表示“香槟酒”，英文解释为“an expensive white or pink fizzy (= with bubbles) wine made in the Champagne area of Eastern France, or, more generally, any similar wine. Champagne is often drunk to celebrate something”
pragmatic
pragmatic /præɡˈmæt.ɪk/ 作形容词，表示“讲究实际的，重实效的；实用主义的”，英文解释为“solving problems in a sensible way that suits the conditions that really exist now, rather than obeying fixed theories, ideas, or rules”举个🌰：In business, the pragmatic approach to problems is often more successful than an idealistic one. 在商业活动中，解决问题用实际的方法往往比空想更有成效。
multimillionaire
multimillionaire /ˌmʌl.tiˌmɪl.jəˈneər/ 作名词，表示“拥有数百万家财的富翁，大富豪；千万富翁”，英文解释为“a person who has money and property worth several million dollars, pounds, euros, etc.”
So what will you do with the cash? Do you take the lump sum or the annuity paid out over time? How much will you give to charity, friends and family?
那你打算怎么处理这笔钱呢？是一次性领取还是分期领取？你会给慈善机构、朋友和家人多少钱？
lump sum
lump sum /ˌlʌmp ˈsʌm/ 表示“一次性支付的金额，一整笔款项”，英文解释为“an amount of money that is paid in one large amount on one occasion”举个🌰：Her divorce settlement included a lump sum of $2 million. 她的离婚协议包括一次性补偿200万美元。
annuity
annuity /əˈnjuː.ə.ti/ 作名词，表示“（通常指一直付到某人死亡的）年金；年金保险；年金保险投资”，英文解释为“a fixed amount of money paid to someone every year, usually until their death, or the insurance agreement or investment that provides the money that is paid”如：annuity income 年金收入，an annuity policy 年金保险单。
charity
charity /ˈtʃær.ə.ti/ 作名词，表示“慈善事业；慈善组织，慈善机构”，英文解释为“a system of giving money, food, or help free to those who are in need because they are ill, poor, or have no home, or any organization that has the purpose of providing money or helping in this way”举个🌰：She does a lot of work for charity. 她做了很多慈善工作。
First things first, according to experts: Keep your mouth shut.
在这一切开始之前，专家们有个共识：守口如瓶。
Before you broadcast your sudden windfall to the world, and even before you contact lottery officials, you'll be wise to surround yourself with a team of lawyers and financial advisers.
在你向世界吹嘘你的意外之财前，甚至在你联系彩票官方人员前，明智的做法是为自己配备一个律师和财务顾问团队。
broadcast
broadcast /ˈbrɔːd.kɑːst/ 作动词，1）表示“播送（电视或无线电节目）；广播”，英文解释为“to send out a programme on television or radio”举个🌰：The tennis championship is broadcast live to several different countries. 网球锦标赛向几个国家现场直播。
2）表示“散布，传播（信息等）”，英文解释为“to tell a lot of people about sth”
📍注：broadcast的过去式：broadcasted (美式) / broadcast 都可以。
windfall
windfall /ˈwɪnd.fɔːl/ 作名词，表示“意外之财；意外获得的东西”，英文解释为“an amount of money that you win or receive from someone unexpectedly”举个🌰：Investors each received a windfall. 投资者每人都获得了一笔意外之财。
Most states will not let you claim the prize anonymously, which means you'll need to act fast to protect yourself before you're inundated with vultures or new-found relations.
大多数州都不允许匿名领奖，这意味着在那些想要从你这里捞取好处的人和突然出现的“亲戚”蜂拥而至之前，你要迅速采取行动保护自己。
anonymously
anonymously /əˈnɒn.ɪ.məs.li/ 作副词，表示“匿名地”，英文解释为“without the name of someone who has done a particular thing being known or made public”举个🌰：The donation was made anonymously. 捐赠是匿名进行的。
inundate
inundate /ˈɪnʌnˌdeɪt/ 作动词，表示“（被）淹没，应接不暇”，英文解释为“to receive so much of something that you cannot easily deal with it all”举个🌰：After the broadcast, we were inundated with requests for more information. 节目播出之后，太多人来询问详情，令我们应接不暇。
对比：
📍be swamped by/with：表示“使陷入（大量工作）；使面临（大量问题）”（to suddenly give someone a lot of work, problems etc to deal with）举个🌰：We've been swamped with phone calls since the advert appeared. 自从广告出来后，电话多得使我们应接不暇。
vulture
vulture /ˈvʌl.tʃər/ 1）表示“秃鹫；兀鹫”，英文解释为“a large bird with almost no feathers on its head or neck, that eats the flesh of dead animals”
2）表示“贪婪的人；趁火打劫的人（或机构）；乘人之危的人（或机构）”，英文解释为“a person or organization that is eager to win an advantage from other people's difficulties or problems”举个🌰：When a company is in crisis like this, the vultures are always hovering. 当一家公司遇到这样的危机，趁火打劫者总是会在旁边虎视耽耽。
And while this might seem obvious, don't forget to document your win. Make copies of both sides of your lottery ticket, and then lock it up somewhere only you can access it.
虽然这看起来似乎是常识，但别忘了留下你中奖的证据。把你彩票的正反面都复印一份，并将其锁在只有你能拿到的地方。
document
document /ˈdɒk.jə.mənt/ 作动词，表示“记录，记载”，英文解释为“to record the details of an event, a process, etc.”举个🌰：His interest in cars has been well-documented (= recorded and written about) by the media. 他对汽车的兴趣在媒体的报道中都有详细的记载。
Then, get to work. And it will be a lot of work.
接着，开始行动吧，将有大量工作要完成。
“I think it can be more of a curse than a blessing for some, just in all of the work that has to be done,” Belinda Herzig, senior wealth strategist at BNY Mellon Wealth Management, told CNN late last year.
去年底，纽约银行梅隆资产管理公司（BNY Mellon Wealth Management）高级财富策略师贝琳达·赫兹格（Belinda Herzig）告诉美国有线电视新闻网（CNN）：“我认为这对某些人来说是祸不是福，因为要做的工作太多了。”
curse
curse /kɜːs/ 1）作名词，表示“咒骂语；骂人话”，英文解释为“a rude or offensive word or phrase that some people use when they are very angry”。
2）表示“咒语，诅咒，魔咒”，英文解释为“magic words that are intended to bring bad luck to someone”举个🌰：In the story, a wicked witch puts a curse on the princess for a hundred years. 故事中，一个邪恶的女巫给公主施了一百年才能破解的咒语。
3）表示“祸根，祸因；祸害”，英文解释为“a cause of trouble and unhappiness”举个🌰：Noise is the curse of modern city life. 噪音是困扰现代城市生活的因素。
4）作动词，表示“诅咒，咒骂；骂人”，英文解释为“to use a word or an expression that is not polite and shows that you are very angry”举个🌰：She was cursing her brother for losing her keys. 她在骂弟弟，因为他弄丢了她的钥匙。
blessing
blessing /ˈbles.ɪŋ/ 作名词，1）表示“祈神赐福；祝福”，英文解释为“a request by a priest for God to take care of a particular person or a group of people, or God's act of doing this”，如：to pray for God's blessing 祈求上帝降福。
2）表示“好事；有益之事；幸事”，英文解释为“something that is good or helpful”举个🌰：It's a blessing that nobody was in the house at the time. 幸好当时屋子里没人。
3）sb. blessing表示“同意；支持；许可，赞同”，英文解释为“If something is done with someone's blessing, it is done with their approval and support”举个🌰：He went with his parents' blessing. 他是得到父母的同意去的。
补充两个表达：
📍mixed blessing表示“喜忧参半，福祸兼有的事物，利弊并存的事物”，英文解释为“something that has advantages and disadvantages”举个🌰：Getting into the team is a mixed blessing - I'll have to spend a lot of time training. 加入这支队伍有好处也有坏处——我得花许多时间训练。
📍a blessing in disguise表示“祸中之福，因祸得福”，英文解释为“something that seems bad or unlucky at first, but results in something good happening later”举个🌰：Losing that job was a blessing in disguise really. 失去那份工作真是因祸得福。
Hiring a lawyer should be a top priority. And not just any lawyer.
聘请律师应该是当务之急。而且不是随便找什么律师。
“Find an attorney who has experience dealing with people with this level of wealth, because it is different,” says Herzig.
赫兹格说：“找一位在处理这种财富水平上拥有丰富经验的律师，因为不同财富水平的经验是不一样的。”
attorney
attorney /əˈtɜːnɪ/ 作名词，表示“律师”，英文解释为“In the United States, an attorney or attorney-at-law is a lawyer.”如：a prosecuting attorney 公诉律师。
That means aiming for a specialist at a large national law firm.
这意味着要瞄准一家大型全国性律师事务所的专家。
specialist
specialist /ˈspeʃ.əl.ɪst/ 作名词，表示“专家；专业人员”，英文解释为“someone who has a lot of experience, knowledge, or skill in a particular subject”如：a software specialist 软件专家。
Next up, you'll need an accountant and a financial adviser to protect your wealth from “creditors and predators,” as Herzig puts it.
接下来，正如赫兹格所说，你需要一位会计师和一位财务顾问，以保护你的财富免受“债权人和觊觎者”的威胁。
accountant
accountant /əˈkaʊn.tənt/ 作名词，表示“会计；会计师”，英文解释为“someone who keeps or examines the records of money received, paid, and owed by a company or person”如：a firm of accountants 会计师事务所。
creditor
creditor /ˈkred.ɪ.tər/ 作名词，表示“债权人，债主”，英文解释为“someone who money is owed to”举个🌰：The company couldn't pay its creditors. 该公司无力向债权人偿债。
补充相关的几个词：
📍debtor表示“借方；负债者，债务人”，英文解释为“someone who owes money”
📍defaulter表示“不履行者；不依法履行者；拖欠者”，英文解释为“someone who does not pay interest or other money that they owe, or who fails to do something that they should do by law”
📍obligor表示“义务人；债务人”，英文解释为“a person or group who must give something such as a payment or benefit to someone, according to a law or legal agreement”
📍obligee表示“权利人；债权人；债主；受惠人”，英文解释为“a person in whose favour an obligation, contract, or bond is created; creditor”。
predator
predator /ˈpred.ə.tər/ 作名词，1）表示“尾随伤害他人者，尾随作案者”，英文解释为“someone who follows people in order to harm them or commit a crime against them”，如：a sexual predator 尾随作案的色魔；
2）表示“捕食性动物，食肉动物”，英文解释为“an animal that hunts, kills, and eats other animals”。
📍《经济学人》（The Economist）一篇讲述病毒引发大流行病的文章中提到：Humans think of themselves as the world's apex predators. 人类自认为是世界上的顶级捕食者。
put
put /pʊt/ 作动词，熟词僻义，可以表示“写，说；表达，表述”，英文解释为“to write something；to express something in words”举个🌰：Why do you always have to put things so crudely? 你为什么说话总是这么粗鲁？
Again, you'll want to look for experts at larger institutions who have experience figuring all this out. (Your neighbor Gary the CPA might be a great pal who's done your taxes before, but he almost certainly hasn't dealt with an influx of wealth like the one you, lucky lotto winner, are dealing with.)
同样，你需要寻找那些在大型机构中拥有相关经验的专家。（你的邻居注册会计师老王，或许是你的好朋友，之前帮你处理过税务，但几乎可以肯定，他没有处理过像你这样的彩票中奖幸运儿突然获得大量财富的经验。）
CPA
certified public accountant的缩写，表示“注册会计师”
pal
pal /pæl/ 作名词，表示“朋友，好友”，相当于“a friend”举个🌰：You're my best pal. 你是我最好的朋友。
influx
influx /ˈɪnˌflʌks/ 作名词，表示“涌进；汇集”，英文解释为“the fact of a large number of people or things arriving at the same time”，如：a massive/sudden influx of visitors 游客的大量/突然涌入，举个🌰：Turkey is expecting an influx of several thousand refugees over the next few days. 未来几天涌入土耳其的难民预计会达几千人。
Another thing to keep in mind: It pays to be a good person. One of the biggest winners of the Powerball will be the IRS, which gets its cut in federal income tax, Herzig says, but you can offset some of your tax liability by using philanthropy as a way to receive a charitable deduction.
还有一点要记住：做好人总会有回报的。赫兹格说，美国强力球（Powerball）彩票最大的赢家之一将是美国国内收入署（IRS），它将从联邦所得税中分得一杯羹，但你可以通过慈善捐赠来获得税收减免，以此减轻税务负担。
cut
cut /kʌt/ 作名词，熟词僻义，1）表示“份，份额（通常指钱）”，英文解释为“a share of something, usually money”举个🌰：When am I going to get my cut? 我什么时候能拿到我那份钱？
2）表示“伤口；切口；割痕”，英文解释为“an injury made when the skin is cut with something sharp”如：a deep cut 一道深深的伤痕。
offset
offset /ˌɒfˈset/ 作动词，表示“抵消；弥补；补偿”，英文解释为“to use one cost, payment or situation in order to cancel or reduce the effect of another”举个🌰：Prices have risen in order to offset the increased cost of materials. 为补偿原料成本的增加而提高了价格。
📍《经济学人》（The Economist）一篇讲述疫情下机器人自动化的文章中提到：Companies reshoring production have sought to offset the high cost of human labour with the engineered sort. 把生产迁回本国的公司纷纷利用工程手段来抵消高人力成本。
📍听说2021年大英赛就考到了offset这个词，早在可口可乐将涨价文中就提到过啦。
liability
liability /ˌlaɪ.əˈbɪl.ə.ti/ 不可数名词，表示“（法律上对某事物的）责任，义务”，英文解释为“the fact that someone is legally responsible for something”举个🌰：He denies any liability for the damage caused. 他对造成的损失拒绝承担任何责任。可数名词，表示“累赘；惹麻烦的人（或事）”，英文解释为“If you say that someone or something is a liability, you mean that they cause a lot of problems or embarrassment.” 通常用复数，liabilities表示“债务，负债”，英文解释为“debts”举个🌰：The business has liabilities of 2 million euros. 该公司负债达200万欧元。
📍tax liability 表示“纳税义务；税务责任：个人或企业必须支付的税款金额”，英文解释为“an amount of tax that a person or business must pay；a situation in which tax must be paid on something”
philanthropy
📍philanthropy /fɪˈlænθrəpɪ/ 作名词，表示“博爱；慈善；乐善好施；捐助”，英文解释为“the practice of helping the poor and those in need, especially by giving money”。
📍philanthropist /fɪˈlænθrəpɪst/ 表示“慈善家”，英文解释为“A philanthropist is someone who freely gives money and help to people who need it.”
deduction
deduction /dɪˈdʌk.ʃən/ 作名词，1）表示“减法；扣除；扣除额；减免额”，英文解释为“the calculation of taking an amount or a part of something away from a total or the amount that is taken away”举个🌰：The interest I receive on my savings account is paid after the deduction of tax. 付给我的存款利息已经扣了税。
2）在剧本杀好玩吗？文中提到a deduction game 推理游戏，deduction还可以表示“（根据已知的事实所作出的）推断，推论；推论所促成的决定”，英文解释为“the process of reaching a decision or answer by thinking about the known facts, or the decision that is reached”举个🌰：Through a process of deduction, the detectives discovered the identity of the killer. 经过一番仔细推断，警探们搞清了杀手的身份。
Once you're lawyered up and have a solid financial team you trust, have those advisers look over the lottery's rules before you sign the original ticket, according to State Farm's consumer-advice site Simple Insights.
据State Farm的消费者咨询网站Simple Insights称，一旦你聘请了律师，并拥有一个你信任的可靠财务团队，在原始彩票上签名之前，让这些顾问们查查彩票的规则。
The rest is mostly personal finance 101: Pay off your debts, set up savings, diversify your investments and keep up a robust emergency fund. Your crack team of helpers can manage it all for you.
剩下的主要是个人理财的基础内容：还清债务，做好储蓄，分散投资，建立充足的应急基金。你的专业团队可以为你打理好这一切事务。
101
101 /ˌwʌn.əʊˈwʌn/ 表示“基本知识”，英文解释为“showing the most basic knowledge about a subject”举个🌰：You should know how to boil an egg - that's cooking 101. 你应知道如何煮蛋，这是基本知识。
📍“101”是一个常用的短语，来源于美国的大学课程编号系统，通常表示某个学科领域的入门级课程。比如，“Math 101”指的是基础数学课。因此，当说到“personal finance 101”，它的意思是关于个人财务管理的基础知识或原则。
diversify
diversify /daɪˈvɜː.sɪ.faɪ/ 作动词，1）表示“多样化；差异化”，英文解释为“to start to include more different types or things”举个🌰：Millions of years ago, changes in the earth's climate caused animal and plant life to diversify. 数百万年前，地球气候的变化导致了动植物的多样化。
2）表示“（使）多元化经营，（使）从事多种经营”，英文解释为“If a business diversifies, it starts making new products or offering new services.”举个🌰：Many wheat farmers have begun to diversify into other forms of agriculture. 很多麦农已经开始采用其他农业种植模式。
crack
crack /kræk/ 作动词，1）表示“（使）破裂；（使）裂开；（使）产生裂纹”，英文解释为“to break something so that it does not separate, but very thin lines appear on its surface, or to become broken in this way”举个🌰：A stone hit the window and cracked the glass. 石块击中窗户，打裂了玻璃。
2）表示“说（笑话）；开玩笑，说俏皮话”，英文解释为“If you crack a joke, you tell it.”举个🌰：He drove a Volkswagen, cracked jokes, and talked about beer and girls. 那时他开着一辆大众牌汽车，讲着笑话，谈论着啤酒和女孩。
📰奥巴马卸任后首次重返白宫 和拜登互开玩笑文中提到，INSIDER标题：Obama cracks joke at 'Vice President' Biden during White House event.
作形容词，可以表示“优秀的；顶呱呱的；第一流的”，英文解释为“excellent, or of the highest quality”如：a crack regiment 王牌军团，crack troops 精锐部队。
But there's one big piece of the lottery puzzle that you can't farm out to lawyers, and that's your mental health. Plenty of past winners serve as cautionary tales about the psychological impact of sudden wealth, and all the changes that come with it.
但在彩票中奖后的一系列复杂难题中，有一大难题是你无法交给律师来处理的，那就是你的心理健康。很多以往的中奖者都在告诫人们，突然的暴富包括随之而来的种种变化，对心理的冲击是巨大的。
farm sth out
farm /fɑːm/ sth out 表示“把（工作）包给”，英文解释为“to give work to other people to do”举个🌰：Magazines often farm out articles to freelance journalists. 杂志社常把文章外包给自由撰稿人。
cautionary tale
cautionary tale /ˌkɔː.ʃən.ər.i ˈteɪl/ 表示“警世故事；具警示性的事件”，英文解释为“a story that gives a warning”举个🌰：His career is recalled today as a cautionary tale of economic mismanagement. 他的职业生涯如今被人们视为经济管理不善的警示故事。
psychological
psychological /ˌsaɪ.kəlˈɒdʒ.ɪ.kəl/ 作形容词，表示“心灵的；心理的；精神上的”，英文解释为“connected with a person's mind and the way in which it works”如：the psychological development of children 儿童的心理发展。
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