Mother Teresa was born on August 26th,1910 in Skopje, Macedonia. She always wrote her birthday as 27th of August because it was the day of her baptism(洗礼), which was always more important to her than her birthday. For her work with the poor around the world, she received the 1979 Nobel Peace Prize.

    In 1928, she accepted a religious order and took the name Teresa. The order immediately sent her to India. A few years later, she began teaching in Calcutta. In 1948 the Catholic(天主教的) Church agreed her request and let her enter the convent( 女修道院) and she began to work for the poor people. She became an Indian citizen in the following year. In 1950, she set up a religious organization in Calcutta. The organization provided food for the poor people and then she set up hospitals, schools, youth centers, and homes for the sick and the dying poor. It now has branches in 50 Indian cities and 30 other countries.

    Besides the 1979 Nobel Peace Prize, Mother Teresa has received other awards for her work with the poor people. On September 5th,1997, Mother Teresa passed away, but she will continue to inspire people all over the world through her lasting present of love and faith.

    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.

    A bicycle may be seen by most people as just another vehicle (交通工具), but for many Londoners, cycling is a way of life. According to an official UK government survey in 2017, about 570,000 bike journeys are made every day in London. In fact, almost half of the vehicles that pass over London Bridge each day are bikes.

    London introduced a public bike-sharing system in 2010. "There can be no doubt that our trusty bicycles have changed the way people get around our great city," Johnson told the Guardian in 2015.

    In London, bikes are used for more than just taking short trips to and from the subway. No matter where you want to go in the city, taking a bike is usually the quickest and easiest choice.

    And it's not just shared bikes that the government is encouraging people to ride. In many companies across the UK, the UK government's Cycle to Work scheme (骑行倡议) allows employees to buy a brand new bike without having to pay any tax (税). This means that it's common to see many people cycling to and from work, and some employers even provide workplace showers and lockers (储物柜) for their workers. More importantly, a cycle-friendly boss may let you off for being late if you rode a bike to work.

    Not only is it great for the environment and our body, cycling is also good for the mind. According to National Geographic Magazine, "Bike riding can improve people's happiness."

    How do young children learn to have good values? How can parents teach their children about the importance of kindness and patience? At a time more and more parents worry about the violent images (暴力形象) their children see on TV and on the Internet. So many parents are turning to fairy tales. They want to teach their children how to behave in society by this way.

    It is believed that fairy tales have a great influence on children because they describe the two sides of good and evil (邪恶) very clearly. When children hear the tales, they learn to care about others' feelings. In each tale, they can see that there are many different kinds of people in the world and that we all have a choice about what kind of person we want to be. We can choose to do good actions, rather than bad ones, in our lives.

    What kind of values can children learn from fairy tales? In The Princess and the Pea, a poorly dressed girl says she is a princess. Few people believe her, so she is given a difficult test. When she passes the test, we learn that her dream comes true because she stays true to herself. In the Little Mermaid (《小美人鱼》), the mermaid, who lives under the sea, wishes to be with the humans on land. Through her experiences, we learn about the importance of living with and accepting other cultures.

    Teaching values is probably the main reason for encouraging children to read fairy tales. These tales can teach children lessons about human relationships that have been accepted around the world for many centuries. This might be the reason why they have been around for so long and will not disappear any time soon.

    The United States of America is mainly an English-speaking country. The majority of the population speak English as their native language. Besides, education, social activities, etc. are conducted in English. Across but for the most part, Americans speak one common language. This language is sometimes called American English.

    However, not everyone in the USA is a native speaker of English. Most immigrants (移民)are speakers of other languages. There are hundreds of communities around the USA where English is not the most commonly used languages. Chinese, Italian, German, Greek, Spanish and French are all spoken in various communities in the USA. Spanish is the second most commonly spoken language after English. It is widely spoken in New York and across the southern part of the country. For speakers of other languages, learning English is important, but teaching people to speak English as a second language was given little attention. Non-English speakers were expected to "pick up" the language by meeting with others in public. Recently, this has changed.

    Today, most large public schools and community colleges have ESL(English as a Second Language )programs; American English teachers feel that English students should learn the language the way they will use it. Therefore, ESL programs offer different English lessons to different students. Some programs teach students to communicate in English in public. Other programs teach the kind of English people who will need for their jobs. American ESL instructional methods do not lay emphasis on grammar or translation, but on the importance of communication. The goal is to get the English learners to learn by using the language.

    Have you ever taken a test that you thought you could have passed easily, only to make some silly mistakes that really hurt your grade? More than a few students have done that. And some seem to do it over and over again.

    There are several problem areas that can cause students to goof up or do poorly in a test that they could have passed.

    Some students can become overconfident in their knowledge of the subject matter. They think they know the material better than they actually do. It is easy for students to misjudge their own knowledge, and when they realize that they don't know the material, it is too late.

    What happens more often, though, is that some students feel they are smart enough to be able to guess their way through a test. So they don't bother studying the material. They are overconfident in their ability to figure things out.

    In either case, overconfidence can result in lower grades in tests. Does this apply to you?

    Another thing that can happen is that students underestimate (低估) the difficulty of the test. They expect an easy test, but the teacher throws in a real tough test that they haven't prepared for. Sometimes the teacher may cover material in the test that students weren't expecting. That can happen, especially if you weren't paying attention in class.

    Finally, there are students who don't feel that getting a good grade is important to them, so they don't bother to study or even try to do well. Such students may be trying to punish their parents, have a poor image of themselves, or are just plain foolish. Hopefully, you are not one of these students.