Monday, 3 February 2025

澳洲乐透领奖指南:领奖不踩雷,钱袋不缩水 - Aussie Lotto ? Financial Freedom? Understand Everything in One Article

 

别让大奖领到手就亏,这些细节决定你的财富命运 - Don't Let Your Jackpot Win Turn into a Loss, These Details Determine Your Wealth Destiny



一、领奖流程详解(以新州、维州为例)

1. 确认中奖与有效期

  • 核对彩票:通过官方APP(如The Lott)扫描二维码或登录账号核对号码;线下票需保存实体票。

  • 有效期:中奖后需在 12个月内 领奖(各州可能略有差异)。

2. 领奖渠道

  • 小额奖金(<$1,500澳元)

    • 线上账户自动到账(需绑定银行账号)。

    • 线下票可在授权零售商处兑换(需出示身份证明)。

  • 大奖(≥$1,500澳元)

    • 必须联系彩票中心(如NSW Lotteries)预约领奖,通过支票或电子转账方式领取奖金。奖金将在两周的确认期后发放。需本人携带:

      • 中奖彩票原件。

      • 身份证明(护照/驾照+Medicare卡)。

      • 税务文件(TFN税号,避免预扣税)。


二、线上账号购票 vs. 线下个人购票的差异

对比项

线上账号购票

线下个人购票

身份绑定

实名注册,自动关联银行账户

匿名购买,需实体票证明所有权

领奖速度

小额奖金即时到账;大奖仍需人工流程

需人工核验,流程较慢

安全性

电子记录防丢失,但需防范黑客风险

依赖实体票保管,丢失无法补办

税务处理

自动扣税(如适用)

需主动提供TFN,否则预扣47%税款


三、捐赠要求与应对策略

1. 捐赠性质

  • 自愿性:澳洲彩票机构 不会强制要求捐赠,但领奖时可能收到慈善机构合作提案(如捐款给红十字会、儿童医院等)。

捐赠的好处

税收优惠:捐赠给慈善机构可能会带来税收优惠,具体取决于当地税法。

社会形象:捐赠可以提升个人或企业的社会形象。

个人满足感:帮助他人可以带来个人满足感。

  • 税务影响

    • 捐赠给 注册慈善机构(DGR) 可抵税(需保留收据)。

    • 例:若中奖50M,捐赠1M给DGR机构,可减少应税收入1M(按45450,000)。

2. 拒绝捐赠的礼貌理由

  • 理由1
    “我需要先与财务顾问制定长期计划,目前无法承诺具体捐赠金额。”

  • 理由2
    “家族成员的健康/教育需求优先级较高,暂未分配慈善预算。”

  • 理由3
    “计划未来成立个人基金会系统化捐赠,当前需保留资金进行筹备。”


四、大奖领取方式与财务规划

1. 领取方式

  • 一次性领取(Lump Sum)

    • 全额奖金扣除预扣税后一次性支付(假设50M,税后约26.5M,按最高税率47%计算)

  • 分期领取(若有)

    • 澳洲部分彩票允许年金支付(如分20年),但需提前确认条款。

    • 计算公式示例(假设年利率5%,分期20年):

  • 对比选择:若投资回报率 > 分期利率,一次性领取更优。

澳洲乐透大奖有的可以分期付款,有的不可以,主要取决于具体的乐透游戏类型,以下为你具体介绍:

可以分期付款:如 “乐透人生(Set for Life)” 游戏,头奖为每月支付 2 万澳元,持续支付 20 年。

通常一次性支付:像周六乐透(Saturday Lotto)、周一和周三乐透(Monday & Wednesday Lotto)、澳乐透(Oz Lotto)、强力球(Powerball)等,通常情况下中奖者可选择一次性领取奖金。你可以通过资讯投资机构,并制定计划,达到类似分期付款的效果,但是税收难以避免。

2. 税务优化建议

  • 成立信托(Trust):分散收入至低税率家庭成员。

  • 资本增值策略:将奖金投入房产或股票,利用CGT折扣(持有>1年税减50%)。

  • 养老金注资:通过非优惠性供款(Non-Concessional Contributions)避税。


五、关键注意事项

  1. 匿名领奖:新州、昆州允许通过信托或律师匿名领奖;维州需公开身份。

  2. 安全措施:领奖前签署保密协议,聘请安保团队防止信息泄露。

  3. 法律顾问:必须咨询税务律师和财务规划师(预计费用20,000−50,000澳元)。


通过以上规划,可实现 税后收益最大化 并规避风险。建议中奖后立即联系专业机构定制方案。

Tuesday, 28 January 2025

超简单!白嫖本地AI工具:Ollama 和 LM Studio 教程 - Steal This Trick! Free Local AI Tools: Ollama and LM Studio Tutorial

本地 AI 自由,开启无限可能 - Local AI Freedom, Unleash Infinite Possibilities

宝子们,今天给大家分享两款超绝的本地 AI 工具,能让你实现 AI 自由,还不花一分钱!

一、Ollama:极简上手

Ollama 这个工具,用起来简单得很。先去它官网,点 Github 链接,有两种下载方式,安装包下载更方便,手动安装适合爱折腾的小伙伴。安装好后,回到首页,点击 “Explor models”,就能挑选你心仪的 AI 大模型下载啦。下载完,打开终端,就能用起来。比如你下的是 Llama 3.2,启动命令就是 “ollama run llama3.2”,启动后直接问问题,不想用了输入 “/bye” 退出,就这么简单!

二、LM Studio:图形界面超友好

LM Studio 也很不错,官网无需魔法就能访问,直接下载安装包安装。它有个图形化界面,快速教程没啥用,咱可以跳过。一开始没模型,点击左侧第四个按钮,就能搜索下载模型。要是在 “魔法地区”,去抱脸网其镜像网站下载就行。点击左侧边栏第三个按钮,还能改模型存放位置。

下载好模型,在左侧边栏点击第一个按钮加载模型,不想用了点 “Eject” 去掉。以流行的 Deepseek 模型为例,问它能不能搜索在线信息,答案是否定的,但它会给其他搜索引擎信息;问它最新知识库,是 2024 年 7 月的。试了下 “奶奶秘药” 问题,它直接给了段代码,能在本地无限生成呢。当然,不知道这些秘药是否能用。清除历史记录也一键搞定。

三、结合工作:以翻译软件为例

LM Studio 个人免费使用,还能和工作结合。在左侧边栏点击第二个按钮加载模型,右侧边栏 “API Usage” 会提供 API 名字和本地服务器 IP 地址。以翻译软件为例,打开设置页面,选 “更多翻译服务”,“Add OpenAI compatible service”,自定义服务名,复制粘贴 IP 地址,API Key 随便写,再复制粘贴模型名,点 “Verify service”,出现 “Successful” 绿标就设置成功啦,不想用了删除也方便。

这两款本地 AI 工具,没有复杂限制,用起来超自由,赶紧试试,开启你的 AI 新体验!



Hey guys, today I'm going to share two awesome local AI tools that can give you AI freedom without spending a penny!


1. Ollama: Extremely Easy to Get Started

Ollama is very simple to use. First, go to its official website and click the Github link. There are two download methods. Downloading the installation package is more convenient, while manual installation is for those who like to tinker. After installation, go back to the home - page and click "Explor models" to select and download your favorite AI large - model. After downloading, open the terminal and start using it. For example, if you download Llama 3.2, the startup command is "ollama run llama3.2". After startup, you can directly ask questions. If you don't want to use it anymore, just enter "/bye" to exit. It's that simple!


2. LM Studio: User - friendly Graphical Interface

LM Studio is also great. Its official website can be accessed without "magic". Just download the installation package and install it. It has a graphical interface, and the quick tutorial is not very useful, so we can skip it. At the beginning, there is no model. Click the fourth button on the left to search for and download models. If you are in a "magic area", you can go to Hugging Face or its mirror website to download models. Click the third button on the left - hand sidebar to change the storage location of the AI large - model.

After downloading the model, click the first button on the left - hand sidebar to load the model. If you don't want to use it anymore, click "Eject" to remove it. Taking the popular Deepseek model as an example, when we ask if it can search for online information, the answer is no, but it will provide information about other search engines. When we ask about its latest knowledge base, it is July 2024. We tried the "Grandma's Secret Medicine" question, and it directly gave a piece of code that can generate Grandma's Secret Medicine infinitely locally. Of course, I don't know if these secret medicines work. Clearing the history is also a one - click thing.


3. Combining with Work: Taking a Translation Software as an Example

LM Studio is free for personal use and can be combined with work. Click the second button on the left - hand sidebar to load the model. The "API Usage" on the right - hand sidebar will provide the API name and the local server IP address. Taking a translation software as an example, open the settings page, select "More translation services", "Add OpenAI compatible service", customize the service name, copy and paste the IP address, write any API Key, and then copy and paste the model name. Click "Verify service", and if a green "Successful" label appears, the setting is successful. If you don't want to use it anymore, it's easy to delete.

These two local AI tools have no complicated restrictions and are extremely free to use. Try them out quickly and start your new AI experience!


Friday, 17 January 2025

还在为科学上网发愁?eSIM 卡快安排上 - Struggling to Scientific Internet Access? Get eSIM Card Now

告别高价代理和建站折腾,一张eSIM卡,轻松稳定翻墙!- Say Goodbye to Expensive Proxies and Server Troubles, One eSIM, Easy Access, Stable as a Rock!

各位小伙伴,圣诞的钟声刚过,春节的脚步就近了。是不是已经开始盘算着回国和亲朋好友团聚了?但是,等等!回国之后,科学上网又成了老大难问题。别慌,今天就给大家安利一个超简单的翻墙神器——eSIM卡!


咱都知道,科学上网的法子五花八门,买代理吧,那价格贵,感觉钱包都在 “嗷嗷” 叫;自己建节点呢,虽说听起来挺酷,但没点技术功底,根本玩不转,搞不好还容易陷入各种麻烦事儿里。这时候,eSIM 卡就闪亮登场啦,妥妥的性价比之王,折衷的绝佳选择!用它来科学上网,费用亲民得很,一点也不用担心会让你的荷包大出血。而且信号稳稳当当的,刷视频、聊微信、查资料,干啥都流畅,就跟在本地网络环境似的。最让人省心的是,啥时候不需要了,手指轻轻一点,就能取消,简直不要太方便!


那这神奇的 eSIM 卡到底是啥玩意儿呢?其实它本质上就是个嵌入式的 SIM 卡,跟咱传统手机里插的物理 SIM 卡可不一样,人家根本不需要卡槽,简单来说,eSIM 卡就是个二维码。激活之后,嘿,科学上网的大门就敞开啦!它的好处啊,一只手都数不过来。首先,没卡槽,安装的时候不用费劲找卡针,也不用担心卡槽坏了,手机轻轻一扫,就能用,方便得很。其次,一台手机能同时加载好几个 eSIM 卡,出国旅游、回国探亲,不同地区的网络需求轻松切换,就像拥有好几个 “网络小助手”。再者,激活就能上网,不用眼巴巴地等运营商开通,那速度,杠杠的。最后,安全性超高,不想用的时候,一键取消,啥后顾之忧都没有。


想买 eSIM 卡也不难,roamless、felixmobile、Holafly、one NZ 这些网站都是靠谱的购买地。买的时候,准备好电子邮箱、手机号,还有驾照或者护照就行。操作步骤也简单,先在网站上买张空的 sim 卡,接着购买 eSIM 服务,等收到二维码,赶紧拿手机一扫,激活,齐活儿,就能愉快上网啦!不过要注意哦,这一套流程比较适合国外买的手机,而且手机得有 eSIM 功能,一般运营商都会贴心地列出支持的最低要求移动设备清单,买之前瞅一眼就行。要是你的手机是国内制造的,大概率没有 eSIM 功能,别着急,去淘宝花个 100 人民币左右买张 5ber 卡,这可是带有 eSIM 功能的物理 sim 卡,店家还会手把手教你咋用,有了它,国内手机也能顺利激活 eSIM 卡,不管这 eSIM 卡是从国内还是国外买的。对了,买 eSIM 卡的时候,记得看清楚,有的是全球包邮,有的可要自己掏运费哦。


还有个小细节得提醒大伙,一般 eSIM 卡都是 prepay 卡,得身份验证通过了才能激活,千万别马虎。另外,买的时候一定要确认有没有流量,有些 eSIM 卡是专门用来发短信用的,要是没流量,可没法实现科学上网,到时候干着急就不好啦。


总之呢,eSIM 卡就是咱回国上网的 “秘密武器”,不贵又好用,方便还灵活,有了它,科学上网再也不是难题!这个假期,不管是圣诞还是春节,让咱们轻松畅享网络,和家人朋友愉快畅聊,赶紧安排起来吧!



Hey folks, Christmas is over, and Chinese New Year is just around the corner. Are you already planning your trip back home to reunite with family and friends? But wait! After returning to PRC, the scientific internet access becomes challenge. Don't worry, today I'm recommending a super easy solution – the eSIM card!


We all know that there are various ways to access the Internet scientifically. Buying a proxy is ridiculously expensive, making your wallet cry. Building your own node sounds cool, but without technical skills, it's impossible to handle and might get you into trouble. At this time, the eSIM card comes to the rescue as the king of cost performance and the perfect compromise! Using it for scientific Internet access is affordable and won't drain your wallet. Moreover, the signal is stable. Whether you're watching videos, chatting on WeChat, or looking up information, everything runs smoothly as if you were in a local network environment. The most reassuring thing is that when you don't need it anymore, with a simple click, you can cancel it. It's incredibly convenient!


So, what on earth is this magical eSIM card? Essentially, it's an embedded SIM card, different from the physical SIM card we insert into our traditional mobile phones. It doesn't need a slot. Simply put, an eSIM card is like a QR code. Once activated, voila! The door to scientific Internet access opens wide! Its benefits are too numerous to count. Firstly, without a slot, installation is a breeze. No need to fumble for a SIM card ejector tool or worry about a broken slot. Just scan it with your phone and you're good to go. Secondly, a single phone can load multiple eSIM cards. When traveling abroad or visiting relatives back home, you can easily switch between different regional network requirements, like having several "network assistants". Thirdly, once activated, you can surf the Internet immediately without waiting for the operator to activate it. The speed is amazing! Lastly, it's highly secure. When you don't want to use it, just cancel it with one click and you have no worries.


It's not difficult to buy an eSIM card. Websites like roamless, felixmobile, Holafly, and one NZ are reliable purchase platforms. When buying, just prepare your email address, phone number, and driver's license or passport. The operation steps are as easy as "1 + 1". First, buy an empty SIM card on the website. Then, purchase the eSIM service. Once you receive the QR code, quickly scan it with your phone, activate it, and you're all set to surf the Internet happily! However, note that this process is more suitable for mobile phones purchased overseas and the phone must have eSIM functionality. Generally, operators will kindly list the minimum requirements for supported mobile devices. Just take a look before buying. If your phone is made in China, it probably doesn't have eSIM functionality. Don't worry. Spend about 100 RMB on Taobao to buy a 5ber card. This is a physical SIM card with eSIM functionality and the shopkeeper will teach you how to use it. With it, domestic mobile phones can also activate eSIM cards smoothly, regardless of whether the eSIM card is purchased domestically or overseas. By the way, when buying an eSIM card, remember to check carefully. Some are globally free shipping, while some require you to pay for the shipping cost.


There's one more small detail to remind everyone. Generally, eSIM cards are prepay cards and need to pass identity verification before activation. Don't be careless. Also, when buying, make sure there is traffic. Some eSIM cards are specifically for sending text messages. If there is no traffic, you won't be able to achieve scientific Internet access and you'll be in a hurry.


In conclusion, the eSIM card is our "secret weapon" for accessing the Internet back home. It's inexpensive, easy to use, convenient, and flexible. With it, scientific Internet access is no longer a problem! This holiday season, whether it's Christmas or the Spring Festival, let's enjoy the Internet easily and chat happily with our families and friends. Hurry up and get it!


Tuesday, 14 January 2025

Win Bat 批处理带货切片


有的小伙伴需要把我之前一个视频切片的批处理文件变成windows可用的bat文件。文件名字qiepian.bat,代码如下:

```

@echo off


:: Define variable

set SOME_VAR=C:\cygwin\path


:: Remove directory if it exists

if exist "%SOME_VAR%" (

    rd /s /q "%SOME_VAR%"

) else (

    echo "file not found"

)


:: Copy a file

copy /y "C:\some\file" "C:\to\another\file"


:: Check if variable is empty

if "%SOME_VAR%"=="" (

    echo "SOME_VAR is empty"

) else (

    echo "SOME_VAR not empty"

)


:: Define a function

call :my_function

call :my_function "some param"

goto :eof


:my_function

echo hello from my_function: %~1

goto :eof

```

运行也简单,这样就好: qiepian.bat 

Sunday, 12 January 2025

ffmpeg一键切片,带货切片视频so easy - ffmpeg One-Click Slicing, E-commerce Videos So Easy

手残党福音!一行命令搞定带货切片,躺着也能赚!- For the Clumsy! One Command to Create Product Clips, Earn While You Relax!

还在苦哈哈地手动剪辑带货视频?还在对着冗长的直播录像抓耳挠腮,不知道哪段能成爆款?别愁了!ffmpeg来拯救你!这可是个免费又强大的神器,能帮你一键切片,快速生成带货短视频,简直不要太爽!


为啥要用ffmpeg切片?因为咱普通人做带货,爆款这玩意儿,说白了就是撞大运。与其花大把时间在那儿精雕细琢,不如广撒网多捞鱼,多切几个视频上传,说不定哪个就火了呢?用ffmpeg切片,效率高到飞起,省下来的时间可以用来刷剧、带娃、甚至发呆,岂不美哉?(土豪请随意,咱比不了~)


想用ffmpeg切片,就得用到它的“segment”功能。中庸之道,截弯取直,直接上命令:

```

ffmpeg -i {theVideoName}.mp4 -c copy -map 0 -f segment -segment_time {how_many_seconds} -segment_list video-list.txt -reset_timestamps 1 {theVideoName}-%03d.mp4
```

看不懂?没关系,我来给你掰开了揉碎了讲:


{theVideoName}.mp4:就是你的原视频文件名。

{how_many_seconds}:你想切成多长的视频,单位是秒。比如15秒就填15,4分钟就填240。

-c copy:这是重点!直接复制视频流,不重新编码,速度快到你怀疑人生,而且画质无损!

-map 0:确保视频里的声音也一起切进去。

-segment_time:设置切片时长。

-segment_list video-list.txt:生成一个文件,记录切片信息,以后想合并视频就靠它。

-reset_timestamps 1:让每个切片的时间都从0开始。

运行完命令,你会得到一堆 {theVideoName}-000.mp4、{theVideoName}-001.mp4 这样的文件,还有个 video-list.txt。


嫌命令行麻烦?没问题!咱还可以做个批处理文件(Mac → .sh, Windows → .bat)。


新建一个 qiepian.sh 文件:touch qiepian.sh

用 Vim 打开:vi qiepian.sh

把这段代码复制粘贴进去···

#!/bin/bash


echo "Please drag and drop the video file here, then press Enter:"

read videoFile


videoFile="${videoFile//\"/}"


if [[ ! -f "$videoFile" ]]; then

  echo "Error: File not found. Please ensure the file path is correct."

  exit 1

fi


echo "Enter the segment duration in seconds (e.g., 15):"

read segmentDuration


if ! [[ "$segmentDuration" =~ ^[0-9]+$ ]]; then

  echo "Error: Invalid duration. Please enter a valid number."

  exit 1

fi


baseName=$(basename "$videoFile" .mp4)


# Run the FFmpeg command

ffmpeg -i "$videoFile" -c copy -map 0 -f segment -segment_time "$segmentDuration" -segment_list video-list.txt -reset_timestamps 1 "${baseName}-%03d.mp4"


echo "Video has been split into segments of $segmentDuration seconds. Check the output files in the current directory."

···,保存退出(按esc,输入:wq)。

给文件加个可执行权限:chmod +x qiepian.sh

以后想切片,直接在终端输入 ./qiepian.sh 就OK啦!是不是超简单?


有了ffmpeg这个免费又高效的利器,带货切片视频还不是分分钟搞定?赶紧试试吧!



Tired of painstakingly manually editing product promotion videos? Frustrated staring at lengthy live recordings, unsure which segment will become a hit? Worry no more! ffmpeg is here to save the day! This free and powerful tool helps you slice videos with one click, quickly generating short videos for e-commerce, it's simply awesome!


Why use ffmpeg for slicing? For us ordinary folks doing online sales, achieving a viral product is mostly a matter of luck. Instead of spending tons of time meticulously editing, why not cast a wide net? Slice more videos and upload them; who knows which one will take off? Using ffmpeg for slicing is super-efficient, and you can use the saved time to binge-watch shows, take care of your kids, or even just chill! (For the big spenders, do as you please, we can't compete~)


To use ffmpeg for slicing, you'll need its "segment" function. Let's get straight to the point with a practical command example:


ffmpeg -i {theVideoName}.mp4 -c copy -map 0 -f segment -segment_time {how_many_seconds} -segment_list video-list.txt -reset_timestamps 1 {theVideoName}-%03d.mp4

Don't understand it? No worries, I'll break it down for you:


{theVideoName}.mp4: This is your original video file name.

{how_many_seconds}: This is the desired length of each video segment in seconds. For example, enter 15 for 15 seconds, or 240 for 4 minutes (240 seconds).

-c copy: This is key! It directly copies the video stream without re-encoding, making it incredibly fast and preserving the original quality!

-map 0: Makes sure the audio is also included in the segments.

-segment_time: Sets the segment duration.

-segment_list video-list.txt: Generates a file recording segment information, useful if you want to merge videos later.

-reset_timestamps 1: Resets the timestamp of each segment to start from 0.

After running the command, you'll get a bunch of files like {theVideoName}-000.mp4, {theVideoName}-001.mp4, and a video-list.txt.


Don't like using the command line? No problem! We can also create a batch file (a .sh file on Mac).


Create a qiepian.sh file: touch qiepian.sh

Open it with Vim: vi qiepian.sh

Copy and paste the code ```

#!/bin/bash


echo "Please drag and drop the video file here, then press Enter:"

read videoFile


videoFile="${videoFile//\"/}"


if [[ ! -f "$videoFile" ]]; then

  echo "Error: File not found. Please ensure the file path is correct."

  exit 1

fi


echo "Enter the segment duration in seconds (e.g., 15):"

read segmentDuration


if ! [[ "$segmentDuration" =~ ^[0-9]+$ ]]; then

  echo "Error: Invalid duration. Please enter a valid number."

  exit 1

fi


baseName=$(basename "$videoFile" .mp4)


# Run the FFmpeg command

ffmpeg -i "$videoFile" -c copy -map 0 -f segment -segment_time "$segmentDuration" -segment_list video-list.txt -reset_timestamps 1 "${baseName}-%03d.mp4"


echo "Video has been split into segments of $segmentDuration seconds. Check the output files in the current directory."

```, then save and exit (press esc, type :wq).

Give the file execute permission: chmod +x qiepian.sh

Now, when you want to slice a video, just enter ./qiepian.sh in the terminal! Isn't it super easy?


With ffmpeg, this free and efficient tool, creating product video clips is a piece of cake! Go ahead and give it a try!