The First Rule of Finance is to live within your means by spending no more than 80% of your take-home pay．If you take home $ 100 per week, spend no more than $80．

    But ever look at what people spend their money on? I have relatives and friends deeply in debt, spending $ 12 for every $ 10 they earn instead of the $ 8 you know they should be spending．When I see them, they're proud of their new whatever．"What do you think of my new truck?" asked one from the driver's seat．"Do you like my new shoes?" asked another on high heels．"Check out my new big screen．" said a third while holding the remote in his living room．We've all heard people fishing for compliments on their new toys ．

    Every one of them was proud of what they'd financed．They seem to have bought it for the purpose of being proud, of showing off, of keeping up with the Joneses．"Look at my new …?"is everybody's favorite phrase, even when the object in question isn't theirs at all and won't be new when they've finally paid for it, if they ever do．

    They're proud of being stupid．They think it's cool to drive the financed car, wear the financed shoes, and watch the financed TV, but to smart people, whose opinions are the only ones we should respect, these people look dumb as rocks．

    The Joneses, nine times out of 10, are financially stupid．That's why they have all that stuff on borrowed money．Why try to copy them? Worse, why try to impress them? Copy and impress smart people, the ones who own their stuff．If you want to impress smart people, debt is the last way to go about it．Trying to impress a money-smart person by going into debt is like trying to impress Olympic swimming champion Michael Phelps by drowning in a pool．Michael Phelps is impressed by good swimming and a money-smart person by good money management．

    New research shows sheep are clever

    People often make jokes about how dull sheep are, but new research shows they may be cleverer than we think. Researchers at the University of Cambridge discovered that Welsh mountain sheep have brainpower that equals rodents (啮齿动物). Tests found that the sheep can map the area they live in, and some may even be able to plan ahead.

    Young fish prefer noisy neighbors

    A new study has shown that young fish like to live on reefs (暗礁) with noisy neighbors! Researchers from the universities of Auckland and Bristol found that young fish looking for a home choose areas where other noisy fish live. The scientists produced all kinds of sounds which had been recorded in different natural environments. The young fish seemed to prefer the sounds of natural reefs, compared with noisy animals! The scientists compared the choice to a music fan wandering around at a music festival, choosing to set up a tent closest to the music they like best!

    Butterflies are disappearing

    A new study has shown that 17 species (物种) of butterfly found in Europe have dropped by 70% in the last 20 years. The information collected from 3,000 sites across 15 countries shows it may be caused by the loss (减少) of grasslands covered with flowers. You can encourage butterflies to come into your garden by planting flowers.

    Prinker: Color Your Way

    Tattoos always look so cool, but actually getting one is quite a commitment. After all, apart from using expensive laser removal therapy, they stay on your skin forever.

    The Prinker is here to change the game. It is a device (设备) that lets you create or print any image or temporary tattoos within a matter of seconds. It is connected to your smartphone and you can select a bunch of preloaded tattoos available in the app.

    This device was exhibited at The International Consumer Electronics Show in Las Vegas this year. It is manufactured by a Korean startup company called “SketchOn”.

    You can sketch your ideas out on your skin with this portable device that is almost twice the size of a computer mouse. This is a nice way to support your team in the match by printing its logo or design onto your skin. You can also share your tattoo designs with others through the app. It is also a fun and creative toy for kids to play with.

    In order to print the design, all you need to do is select or draw a design on your mobile and then press and rub the base of the device against your skin and you are done. These designs and images are water resistant but can be washed off with soap water. The ink of the Prinker is non-toxic and is made only from certified cosmetic ingredients. Each cartridge (墨盒) contains enough ink for about 1,500 tattoos, or as J₊ R. Smith would call it, “a good start.”

    The Prinker is developed by a small team of five members. The company is planning to launch the device in China and then in the United States. The device is currently commercializing in Korea as a rental device. The agencies and organizations pay $150 for a day to use it in their events or marketing.

    The current version of Prinker is aimed towards business users (think festivals, carnivals, sports events, promotion campaigns). But the company is working on a home version, and hopes to have it available to buy before the end of 2018. SketchOn estimates the personal model will retail at $200. The company is currently seeking to partner with international agencies for distribution opportunities.

    Although Prinker is currently aimed towards novelty and creative purposes, its technologies could eventually be adapted for use by professional tattoo artists or medical professionals who provide tattoos for patients, such as after a breast cancer operation or skin graft.

    There is no substitute for taking an English course in a high quality language school in an English – speaking country. els – lounge Student has partnered with some of best language schools in the UK. Choose a school from below. We can offer discounts on English courses.

    University of Liverpool, English Language Center

    You can have confidence in the University of Liverpool, which is ranked in the top 1% of higher education institutions worldwide. While studying here, you will benefit from modern and dynamic English teaching methods in small classes of fewer than 16 students.

    See University of Liverpool courses and save 12%.

    Burlington School, London

    Burlington School is located in Parsons Green, 15 minutes by underground from the center of London. Our standard of teaching is high, with courses in General and Specialist English. The coffee bar is open all day serving freshly – cooked meals, and the school organizes a range of social activities. Students either live in homestays or in one of our hostels.

    See Burlington School courses and save 10%.

    New School of English, Cambridge

    The New School of English is located in the beautiful city of Cambridge. The school is open all year and provides a range of English language courses for adults from all over the world (minimum age 16). These courses cover General English as well as courses for professionals looking to focus on specific topic areas. They have a range of accommodation choices for students.

    See New School of English courses and save 5%.

    Interactive English School, Brighton

    We are a small friendly school. Being a small school means we can meet your personal needs easily. All of our teachers are native speakers, qualified and experienced. Our prices are very affordable and start from £600 per week for full – time courses of 20 lessons.

    See Interactive English School courses and save 7%.

    Are you looking for something to do? You might like to try one of these four experiences.

    Crocodile watching

    Do you fancy getting up close to some of the most terrifying animals on earth? Crocosaurus Cove, in Darwin (Australia) has the “Cage of Death”. It's an enclosure that's lowered into a pool. This gives you a 360 degree view of a crocodile as it's being fed. The cable broke once and the cage sank to the bottom, but they've fixed it since then.

    Edge walk

    How about walking along the edge of a building several hundred meters up in the air? If that sounds like fun, head off to the CN Tower in Toronto (Ontario, Canada). Built in 1976, the tower is 553.33 meters tall.

    The Edge walk consists of a 20-30 minute stroll along a 1.5 meter wide platform that runs around the tower's restaurant roof. During the walk, you're encouraged to lean forwards as you look over Toronto's skyline (轮廓线).

    Plastic ball rolling

    Do you fancy rolling down a hill in a plastic ball?

    Plastic ball rolling is popular all over the world, but the place to give it a go is in Rotorua (New Zealand). Brother David and Andrew Akers came up with the idea in 1994. A typical orb(球) is about 3 meters in diameter, with an inner orb size of about 2 meters. There's no brake or steering mechanism, but the inner layer of the plastic ball helps absorb the shock.

    Volcano bungee jumping

    If you're looking for the adventure of a lifetime, how about going bungee jumping off a helicopter into the crater of a live volcano? As part of the jumping, a helicopter ride takes you to the Villarreal volcano, one of the most active in Chile. Once you're at the drop zone, you leap off the helicopter and fall into the volcano. Finally, you enjoy the ride back to the airport flying at 130kph.

    Attracted by the above? If so, please contact us. Only half price from March 22 to April 25th For more information, please click here.

    Whenever we're introduced to strangers, we make snap decisions about them according to our first impressions. Are they attractive or how much do they earn?

    For most Brits, simply asking someone how much they're worth' financially is considered very impolite. Thankfully, most people are kind enough to drop several hints (暗示)about their relative wealth or successful careers They always post on social media about flying to a meeting for work. They're always wearing clothes with labels big enough to silently scream about how rich they are and how well they're doing.

    It's a worrying trend, and I'm not immune to it. I've felt the warm happiness of knowing I earned more than somebody, and the baseless grey irritation of knowing that I earn less than another. I've checked into places while I know full well that anybody reading it will get jealous.

    It seems as though self-worth is increasingly being tied to the careers we choose and the money we earn. A study in 2013, for example found that nearly 17% of unemployed Americans were depressed compared to almost 6% of those who had a permanent job.

    We need to stop placing so much value on what a person earns. Don't get me wrong-being ambitious is not a fault, and achievements should always be celebrated. But when a person uses their success to judge you negatively it becomes a problem.

    If you want to know what you're really worth, here's a tip: It doesn't have anything to do with your bank account. It's about how many times you've been there for your friends. It's how many times you've been kind to a stranger It's every time you did something unselfish, or told your partner you loved him/her, or treated someone with respect no matter where they were in their own life.