April is Financial Literacy Month，when Americans of all ages are encouraged to learn how to be smart about money.And this year，fifth­grade Rachel Kelly from Naperville，Illinois，is already at the head of her class.Kelly,11, won a nationwide contest called the Stock Market Game.

    Students who take part in the Stock Market Game，run by the SIFMA Foundation，a financial­education organization，pretend to buy stocks (股票) worth $100,000.Then they have to read financial news over several days to see if their investments would have gained money or lost money and write an article explaining their choices.

    “I  wanted  to  choose  a  company  that was well­known，” writes Kelly.“I thought about products that I see every day，so cars came to my mind.” Kelly picked the Japanese car company Honda Motors.“Honda Motor Company is the No.1 producer of motorcycles in the world and the fifth­largest producer of automobiles behind Toyota，Volkswagen，General Motors and Hyundai，” says Kelly.

    Honda makes many different kinds of cars，which Kelly thinks makes the company a safe investment.She explains that even if the cost of gas goes up，Honda has a good chance of staying in business because of the company's fuel­efficient cars，which run on less gas than most cars made today.

    “If one of their departments is not doing so well，it won't affect the overall company sales，” she writes.

    Because the stock Kelly picked performed well and her article was persuasive，Kelly won this year's contest.About 600,000 students from 4th to 12th grade competed.

    Paying a higher price than usual for a ticket to see a film in 3D is the annoyance of many a cinema-goer's life.

    But there may be a benefit to doing so, as a study has found that 3D films exercise the brain and improve short-term functioning in a similar way to brain-training tests.

    The research found that people who watched a movie in 3D improved cognitive (认知) skills, compared to those who watched it in 2D.

    The research was led by neuroscientist(神经学家) Dr Patrick Fagan from Goldsmiths University in London. More than 100 people took part in the experiment, where participants watched Disney film Big Hero 6 in either standard format or RealD 3D.

    They also carried out a brain-training-style test before and after seeing a section from the film. The test covered memory, reaction times and cognitive function and the results were compared later.

    According to the research, which was carried out in partnership with science group Thrill Laboratory, participants experienced a 23 percent increase in cognitive processing, as well as an 11 percent increase in reaction times.

     Fagan said that the results showed enough of an improvement in brain function to suggest that 3D could play a part in improving brain power in the future.

    “These findings are more significant than you might think,” he said. “It is a fact that people are living longer and there is a noticeable decline in cognitive brain function in old age which can worsen future quality of life. There has never been a better time to look at ways to improve brain function. The initial results of this study show that 3D films may potentially play a role in slowing this decline.”

    A second part of the experiment involved those watching the film being fitted with headsets that scanned brain activity and this too showed heightened (加强的) activity when watching 3D. According to the results, participants were seven percent more engaged with what they were watching, adding to argument that 3D movies are more like watching real-life—something Professor Brendan Walker from Thrill Laboratory agreed with.

    “As Professor Brendan Walker's test concluded, 3D films are more attractive and heighten the senses — this, in turn, makes the brain run at quicker speeds,” Dr Fagan said.

    I want to tell you the story of one of my old friends called Bob，His teachers called him A Troublemaker，They also said that he had no future and no hope. But now he owns a small second -hand bookstore store which makes him enough money to live on and also to support his mother.

    He told me that after he finished grade nine, he went to study at a technical college. He was a pretty bad student so he became one of the gang (一帮) leaders there. Many of them got caught many times for fighting.

    It looked like nothing could change his life. That was until one sad day when his father died. That changed everything.

    After his father died, his mother had to work very hard to make enough money to support the family. He told me that he really pitied his mum after his dad died. He felt that he needed to earn some money rather than let his mum work alone. He loved reading cartoon(卡通)books and had been collecting them for years. As his family was short of money, he decided that he should sell them. He did this by the side of the road where his mother was selling food.

    Soon he realized that his books were very popular. So he decided to set up his own business. He started his business by going around buying cartoon books from other people. He bought them for 25% and then sold them for half price. He could make enough money to help support the family.

    He was a troublemaker to his teachers but he is a hero to me. If you are judged as a bad student or as someone being stupid, I suggest you pay no attention to what they say. Just do your best in everything. Don't give up so easily. Believe in yourself. If you think that you can do it, then you can. Believe me, one day you could be more successful than those persons who looked down upon you.

Urban Transportation in Canada

    Public transportation Transit passes

    All cities and most major towns in Canada have a public transportation system with one or more modes of transportation(bus, subway, train, etc. ) The bus is the most common form of urban transportation in Canada. To use public transportation, you must purchase a ticket or a transit pass. Transit passes allow you unlimited use of public transportation for a specific period (one month or more). They are usually cheaper than buying many tickets if you plan to use public transportation often.

    Transportation for people with disabilities

    Public transportation often has features to assist people with disabilities. In many cities and towns, there are also transportation services available specifically for people with limited mobility, such as specially equipped buses. You can find out about these services in the same way you would learn more about other public transportation options.

    Etiquette on public transportation

    When taking public transportation such as a bus or train, it is important to understand the unspoken rules of conduct in the shared space. Here are a few things to note:

    Be polite and respectful to others around you. For example, maintain an appropriate noise level when talking or making a phone call.

If you are carrying a backpack or a large shoulder bag in a crowded public transit vehicle, keep it close to you, preferably at your feet to avoid hitting people with it as you walk by.

    Avoid pushing or touching others in order to make more room for yourself. Sometimes public transit can become very crowded, but it is important to keep calm and give others appropriate personal space.

    Have your proof of payment accessible in case you are asked to show it.

B

    My friends and I had just finished lunch at a hotel when it started to rain heavily. When it became lighter, I decided to get my car which was parked at my office three streets away.

    My friends argued that I shouldn't go, mainly because I was seven months pregnant（怀孕的）then. I made it clear to them that I'd be very careful. One of them wanted to come with me but I insisted that she stayed with another friend who needed help with her baby.

    I walked out of the hotel and started making my way to the car. At the crossing, a van stopped and a man came out with an umbrella. Before I knew what was happening, he walked right beside me and told me he'd escort（护送）me to my destination. Although I was very embarrassed and refused, he insisted that he would.

    During our walk, he kept telling me to walk slower, as the ground was wet. When we got to the car-park, I thanked him and he went away. I did not get his name and may not even recognize him now. Did he purposely stop for me? I'll never know.

    So how did I pay it back? I was at home when I noticed two Indian construction workers walking in the heavy rain. They were probably on their way to the working place near my home. I went out and passed them an umbrella. They were completely surprised by my action, and I told them they should take and keep it. They were very grateful to me, probably wondered why a stranger was offering such kindness. I was so relaxed and happy that day.