The Winners Club is a bank accountspecially designed for teenagers. It has been made to help you better manageyour money. The Winners Club is a transaction account (交易账户)whereyou receive a key­card so you can get to your money 24/7—that's 24 hours a day, 7 days a week!

It's a club with impressive features forteenagers：

● No account keeping fees!

You're no millionaire so we don't expectyou to pay large fees. In fact, there are no account keeping or transactionfees!

● Excellent interest rates!

You want your money to grow. The WinnersClub has a good rate of interest which gets even better if you make at leasttwo deposits (存款)without taking them out in a month.

● Convenient

Teenagers are busy — we get that. Youmay never need to come to a bank at all. With the Winners Club you can chooseto use handy tellers and to bank from home using the phone and theInternet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you willreceive a FREE magazine full of good ideas to make even more of your money.There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice forteenagers. And it is so easy to join. Simply fill in an application form. Youwill have to get permission from your parent or guardian (so we can organizethat cool key­card) but it is easy. We can't wait to hear from you. It's thebest way to choose to be a winner!

    “Now stretch(伸展) over your right leg!” my dance teacher yells over the music. “If it doesn't hurt, you're not trying hard enough. Hold that stretch for 30 seconds!" My dance teacher works hard to form us into the dancers we desire to be. In order for this to occur, we stretch hard a lot!

    Dancing is a real passion of many people, including me. I work hard to make myself better, and prove that I am good enough. Performing a dance routine is more than just a  performance. Dancers tell stories when they dance. It is a way for us to express our personal feelings. Just letting go and letting your body move with the music can create your emotions. Dance tells us things that our mind secretly hides.

    “Get up and do it again!  You need to keep your spirits up!” Even though I am completely worn out after my dances, I love to hear those words. It gives me a sense of relief knowing that I can again express my feelings out on the floor.

    “Practice makes perfect! Come on. We have a competition this weekend, and we need to work harder!” Competitions are the best possible example of fun. For a dancer, life cannot get better than competitions. The thrill of losing yourself onstage is a rush of energy rushing through your body! The feeling is unexplainable. As you sit there putting on your makeup, fixing your hair, and putting on your costume, the rush just gradually grows until it is ready to be released onstage.

    Finally the time comes to tell your story. Standing backstage waiting for your name to be called is one of the scariest moments. You are ready to show the world what you are capable of and what you have been perfecting for a while. Once your number is called, you walk out onstage. The applause at the end tells each dancer that their story has been received, and that the dance has been brought to life.

    It is quite reasonable to blame traffic jams, the cost of gas and the great speed of modern life, but manners on the road are becoming horrible. Everybody knows that the nicest men would become fierce tigers behind the wheel. It is all right to have a tiger in a cage, but to have one in the driver's seat is another matter.

    Road politeness is not only good manners, but good sense too. It takes the most cool-headed drivers great patience to give up the desire to beat back when forced to face rude driving. On the other hand, a little politeness goes a long way towards reducing the possibility of quarrelling and fighting. A friendly nod or a wave of thanks in answer to an act of politeness helps to create an atmosphere of good will and becomes so necessary in modern traffic conditions. But such behaviors of politeness are by no means enough. Many drivers nowadays don't even seem able to recognize politeness when they see it.

    However, misplaced politeness can also be dangerous. Typical examples are the driver who waves a child crossing the street at a wrong place into the path of oncoming cars that may not be able to stop in time. The same goes for encouraging old ladies to cross the road wherever and whenever they want to.  It always amazes me that the highways are not covered with the dead bodies of these grannies (奶奶).

    An experienced driver, whose manners are faultless, told me it would help if drivers learnt to correctly join in traffic stream without causing total blockages that give rise to unpleasant feelings. Unfortunately, modern drivers can't even learn to drive. Years ago, experts warned us that the fast increase of the car ownership would demand more give-and-take from all road users. It is high time for all of us to take this message to heart.

    He was once referred to as the Picasso of poetry. Beloved by Chileans of all classes, he is one of the most widely read and respected poets in history. And this year is the 100th birthday of Pablo Neruda (1904-1973).

    Born with the name Neftali Ricardo Reyes Basolto, he was a tall, shy and lonely boy. He loved to read and started to write poetry when he was ten. The American poet Walt Whitman, whose framed picture Neruda later kept on his table, became a major influence on his work.

    However, his father did not like the idea of having a poet for a son and tried to discourage him from writing. To cover up (掩饰) the publication of his first poem, he took the pen name Pablo Neruda.

    In 1924 Neruda gained fame with his most widely read work "Twenty Love Poems and a Song of Despair". Yet his rich experience as a diplomat and exile (流亡) made him go beyond the theme of love. His work also reflected the political struggle of the left and development of South America. He was awarded the Nobel Prize for Literature in 1971.

    Neruda loved the sea which he saw as creative, destructive and forever moving. He found inspiration in the power and freedom of the waves and the seabirds on the coast. "I need the sea because it teaches me," he wrote. "I move in the university of the waves." He loved how the sea forever renewed itself, a renewal echoed in his work.

    The English language has a lot of words which can be used in many different ways and in many different expressions.

    One such example is the word matter. In fact, matter can mean just about anything. It could be one of the most useful words in the English language.

    Let's get to the heart of the matter—a matter of principle (原则).

    If someone says that you owe (欠) him $50, but you don't, a friend might say, "Well, you could pay him the $50. It's not that much money. Then you won't have to hear him say it anymore." But if you do not owe him the money, do not pay him the money. It's a matter of principle.

    There is another way to use the word matter. But be careful with your choice of words.

    If you ask someone, "What's the matter?" it shows you are worried about the other person. But saying, "What's the matter with you?" has a completely different meaning. And it usually sounds rude (粗鲁的). In fact, when you say, "What's the matter with you?" you are suggesting that the person did something wrong or stupid.

    Another expression that could sound rude is to say, "It doesn't matter to me." Here, it depends on the context, and how you say it.

    Let's say you tell someone that a friend just got a big raise at work. That person answers with, "It doesn't matter to me." Here, it means he or she does not care. And it sounds rude.

    But saying, "Oh, you pick where we eat dinner. It doesn't matter to me." does not sound rude. In this situation, "it doesn't matter" shows you are easy-going (随和的).

    No matter how you look at it and what you say, matter is a very useful word. And it's only a matter of time before you will become an expert on the use of matter.

Dear Mary,

    How are you? I saw you posted some wonderful photos of the coastline near your hometown. You're really getting into your photography! Right now I'm taking a break from social media (媒体) to write you an email.

    Remember you said you'd like to come over to the UK sometime this year? Well, I was thinking that this year you might like to come to the Edinburgh Festival with me in August. I've got an aunt with a flat in the city centre who could put us up.

    Do you know much about the festival? It's very famous — the biggest, most popular arts festival in the world! There are lots of things going on — art exhibitions (展览), concerts of all kinds, modern dance, a book festival, etc. The thing it's most famous for is the newest and most exciting theatre. People come from all over the world and perform (表演) in their own language.

    In Scotland you have the best of both worlds: culture and wild land. After the festival, we could hire (租) a car and go up to some of the islands off the west coast, like Skye. The weather can be changeable in August, but the landscape (风景) is beautiful, with empty beaches and rocky mountains. It's the perfect place for you to take photos. Afterwards, we could head back to the east coast and visit my friend Rob in St. Andrews. It's really pretty and Rob's enjoyable to be with. You'd get on well with him.

    So, why don't you have a think about it and then get back to me? Take your time, there's no rush.

    Speak to you soon.