For many of us, talking about money is embarrassing, especially revealing our income and spending habits in public. So it's no wonder that seeking investment advice from computer program is so popular.

    Consultancy firm Accenture found that 68% of global consumers would be happy to use robot-advice to plan for retirement, feeling it would be faster, cheaper, and fairer than human advice. “Many of our customers say they feel awkward in face-to-face meetings, preferring an online experience where they don't feel nervous,” says Lynn Smith, a director of robot-advice firm Wealth Wizards. So how does robot-advice work and is it really any better than traditional financial advice?

    Robot-adviser firms use algorithms (算法) to analyse your financial situation and goals and then work out an investment plan to suit you. Basically, you answer lots of questions online about your income, expenses, family situation, attitude to risk and so on, and then the algorithm allocates (分配) your savings to a series of investments, from index funds that aim to imitate a particular stock market index or sector, to fixed-income bonds.

    Robot-advice is certainly growing in popularity. But are we really happy to give up the human adviser completely? “No” is the short answer. Accenture finds that a significant proportion of us still want human interaction, particularly when our finances are complex. “When a customer needs advice surpassing a number of different regulatory regimes, human advice will be required, says John Perks, managing director of life and pensions at UK insurer LV, which launched its Retirement Wizard robot-advice service two years ago.

    The truth is that only about a quarter of funds managed by clever humans overcome the market as a whole, so when you take into account the much higher management fees you pay for that kind of service, the performance difference is likely to be marginal (微不足道的) for most of us.

    The robots may be coming, but in this case at least, they seem to be on the side of the small investor trying to save for a comfortable retirement.

    On a cool morning, Wilson Kasaine heads out along a dirt path in southern Kenya. His calmness makes it easy to forget that he's tracking one of the most dangerous animals in the world. Kasaine is tracking lions—especially one lion called Marti, who is the real-life Lion King of Selenkay Conservancy.

    Tracking lions on foot may sound like a death wish, but Kasaine has been doing it for most of his life. Born into a traditional Maasai family he quickly grew to understand the beauty and danger of wildlife. Living with big wild animals forces him to develop a good sense of where they have been and where they may be going. During his 12-kilometer walks to and from school, he learned how to tell the paw prints (爪印)of a lion from those of other animals.

    Growing up, Kasaine knew that improving his tracking abilities would help him avoid surprise meetings with dangerous animals. For many Maasai, tracking is mainly a matter of self-protection. But Kasaine is tracking lions to meet them and to protect them. He leads a small group of wide-eyed tourists over the red sandy path, searching for the lion that has left upon it his prints.

    Each year, thousands of tourists crowd Kenya's national parks to try to have a look at the “big five”; elephants, rhinoceros, leopards, buffaloes and lions. The international draw of these animals matters a lot because the nation's economy is tied to the protection of its wildlife. If Kenya's wildlife disappears, so does its second-largest source of income.

    Wildlife protection efforts in Kenya meant marking off land exclusively (专门地) for animals. But it also meant that the people who had originally lived in the area were forced to leave their land and into smaller surrounding areas. They are also finding it increasingly hard to keep a traditional Maasai lifestyle. But people are glad that it really makes a difference to wildlife protection.

    Rain beat against the window, matching my mood. I should have known that my new job at the hospital was too good to be true. Throughout the day, rumors (传言) warned that the newest employee from each department would be laid off. I was the newest one in the training department.

    My boss appeared. “You probably know we're cutting back,” he said. “Administration wants us to offer outplacement classes to help those employees find other jobs, showing them how to act in an interview, for example.” “Fine,” I answered unwillingly, not knowing what else to say.

    I decided to go home early that day. In the hall, I met the lady who brought us cookies every Friday. She was a little woman with gray hair. Only her head and the top of her green apron were visible over the cart (小车) loaded with cleaning supplies. At least she had a job!

    At the final meeting, laid-off workers formed a line at the door. A colleague whispered, “I can't believe our Cookie Lady is being laid off. We'll miss her as much as we'll miss her cookies.” When the colleague spoke to her in Spanish, I knew my classes would be useless for her and I realized how much better off was than this poor woman.

    I decided to do something for her. I wrote to a newspaper expressing how I felt about the unselfishness of the Cookie Lady who needed a job. A few days later, my article appeared in the newspaper and the Cookie Lady was allowed to stay in her position. On the same day, I received a letter, which seemed so unlikely that I read it twice. “An editor of a local magazine likes your piece and wants you to call her next time you're looking for work …”

    FOREIGN TEACHERS ARE NEEDED ALL OVER CHINA

    Ad No.90374

    Posted Oct 12, 2016 13:27 by Amanda

    Date due: Dec 12,2016

    Beijing Language Teaching Part Time

    We are looking for Teachers, whose Native Language is English, willing to teach in China.

    Mostly schools are in South of China.

    The Benefit package for ESL Teachers includes:

    Period: 1st Mar.2017 to 1st Jul.2017

    Salary: 4,000 yuan to 5,000 yuan /Month

    Teaching load&schedule:20 teaching hours per week

    A rent-free, fully furnished apartment for living room, bedroom, kitchen and bathroom

    Kitchen equipment provided. Other electric appliances will be supplied: water heater, microwave etc.

    If you are interested, please read the information above and kindly send your application to attach the following documents(doc or JPEG format). The subject to be mentioned, as "Teach in China".

    ⒈Resume(简历)

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    ⒊A copy of your valid passport

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    If you want to disturb the car industry, you'd better have a few billion dollars: Mom-and-pop carmakers are unlikely to beat the biggest car companies. But in agriculture, small farmers can get the best of the major players. By connecting directly with customers, and by responding quickly to changes in the markets as well as in the ecosystems(生态系统), small farmers can keep one step ahead of the big guys. As the co-founder of the National Young Farmers Coalition (NYFC, 美国青年农会) and a family farmer myself, I have a front-row seat to the innovations among small farmers that are transforming the industry.

    For example, take the Quick Cut Greens Harvester, a tool developed just a couple of years ago by a young farmer, Jonathan Dysinger, in Tennessee, with a small loan from a local Slow Money group. It enables small-scale farmers to harvest 175 pounds of green vegetables per hour—a huge improvement over harvesting just a few dozen pounds by hand—suddenly making it possible for the little guys to compete with large farms of California. Before the tool came out, small farmers couldn't touch the price per pound offered by California farms. But now, with the combination of a better price point and a generally fresher product, they can stay in business.

    The sustainable success of small farmers, though, won't happen without fundamental changes to the industry. One crucial factor is secure access to land. Competition from investors, developers, and established large farmers makes owning one's own land unattainable for many new farmers. From 2004 to 2013, agricultural land values doubled, and they continue to rise in many regions.

    Another challenge for more than a million of the most qualified farm workers and managers is a non-existent path to citizenship — the greatest barrier to building a farm of their own. With farmers over the age of 65 outnumbering(多于) farmers younger than 35 by six to one, and with two-thirds of the nation's farmland in need of a new farmer, we must clear the path for talented people willing to grow the nation's food.

    There are solutions that could light a path toward a more sustainable and fair farm economy, but farmers can't clumsily put them together before us. We at the NYFC need broad support as we urge Congress to increase farmland conservation, as we push for immigration reform, and as we seek policies that will ensure the success of a diverse and ambitious next generation of farmers from all backgrounds. With a new farm bill to be debated in Congress, consumers must take a stand with young farmers.

    Angel Garcia Crespo is a computer engineer at Carlos III University of Madrid in Spain. His group has invented a new way for deaf-blind people to "watch" TV. The idea for the technology grew out of previous work by his group. The team had already worked on making audiovisual(视听的) materials accessible to people with either vision or hearing disabilities. But the group wanted to help people with both challenges. So they asked some deaf-blind people what would help.

    In addition to relying on their sense of touch to communicate, deaf-blind people can also get and send information with a Braille line. The Braille system uses patterns of raised dots to stand for letters and numbers. A Braille line is an electronic machine with a changeable Braille display. Dots rise up or drop down based on the information sent to the machine.

    Now the new system changes TV signals to data a Braille line can use. "The key to the system is the possibility of using subtitles(字幕) to collect TV information, " Garcia Crespo explains. "Subtitles travel with the image(影像) and the audio in electromagnetic waves we don't see. But an electronic system can keep those waves. "

    First, a computer program, or app, pulls out the subtitles and visual descriptions from the broadcast signal. The system then combines the information and changes both into data for Braille.

    Now another app gets to work, which sends the data out to people's Braille lines on demand. "This is done in real time, in less than a second," Garcia Crespo says. This lets a deaf-blind person "watch" TV as it's broadcast. The system will work with various Braille lines, as long as there's a bluetooth connection available. Now, the system is only used in Europe, and it should soon be available in the US.