Little Tom down the street calls our dog "The keep dog". Zip is a sheep dog. But when Tom tries to say " Sheep", it comes out "keep". And in a way Tom is right. Zip is always bringing things home for us to keep! I'll tell you about some of them. Zip's first present was a shoe. It was made of green silk. We didn't know how Zip found the shoe. But after a moment, Mary, my big sister, told me the shoe had a strange smell. I nodded(点头) and held my nose. "What do you think it is?" "It smells like something for cleaning. I think someone tried to clean a spot (污点) off the shoe. Then he put it at the door to dry." Along came Zip. And good-bye shoe!" I said. "We should take it back." "We can't".said my sister. "Maybe little Tom is right," Mary said. "Maybe Zip is a keep dog!"

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    My grandmother often said to me, “You can count the number of your true friends on the fingers of one hand.” For a long time I thought this was true. However, I've now discovered my grandmother was only half right. Maybe we do only make a few best friends in our lifetime, but those aren't the only people that we can call friends. There are many different types. Let me tell you about a few of them.

    One type of friends is the type I call the “football mom friend”. My neighbor Sally is a good example. We both have kids who play football in a football club, and someone has to take them to practice and pick them up. Sally and I and two other mothers take turns to do this. We meet sometimes and have tea and talk about what our kids are doing, but those are the only times that we meet each other. I enjoy being with these women, but we don't do anything else together.

    Another type is called the “hobby friend”. That's the person you share an interest or a hobby with. Michael and Cater, who are brothers, are a good example of this type. We're all in a bird watching club. Every few weekends the members of the club go on a trip to watch different kinds of birds. There's nothing romantic about my relationship with Michael and Cater, of course. We just share interest in birds.

    Then there's the “other half of the couple” type of friends. Jim is married to Rose, a friend that I've known since college. When Rose married Jim, I realized that I would have to be Jim's friend if I want to continue to be Rose's. Jim and I don't share so many interests, but we do have a friendly relationship.

    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.

    Welcome to LoongBridge Volunteer Summer Camps! Click HERE to join us!

    Type/Focus: Arts, Community Service, Study Abroad, Teen Travel

    Description: For this year, we have 3 kinds of programs for young students (aged 8-20) all over the world.

    Volunteer & Culture Camp (3 weeks): June 29—July 20

    One-day visit to children Charity（慈善）Villages to give some help, understand their lives, and learn from these children who never give up though they have family misfortunes.

    Language & Arts Cam (3 weeks): June 25—July 15

    Chinese language study through high-quality classroom education, one-on-one partnership with local Chinese students, real-life conversation etc.

    Chinese traditional arts learning including Chinese painting, erhu and paper-cutting.

    Learning-China Camp (2-3 weeks): July 4-July 20/July 15-August 5.

    Chinese history learning from visiting museums and ancient capitals of China: Beijing, Xi'an, Luoyang.

    Learning about today's China to know its rapid development and new challenges through activities, factory tours, city walks, etc.

    Understanding the lifestyles of Chinese people in different ages from talks, home visits, shopping experience, etc.

    Phone: 010-45652571

    Email: info@loongbridge.com

    Two years ago, something happened that changed the way I look at the world. On my birthday, my grandfather, walking home with his hands full of groceries, fell and hit his head on the sidewalk. Just as we were leaving to meet him for dinner, we got the call that he was in the hospital. At first, I thought nothing of it, but when I heard the whole story, I couldn't believe it. He hit his head so hard that he had a blood clot in his brain and it had to be operated on immediately. Everyone thought he would die.

    Although my grandfather survived emergency brain surgery, he had complications (后遗症). He could hardly talk and he couldn't walk. Shortly after, he was admitted to a nursing home. Today, he lives at home with my grandmother and is doing much better, but this isn't about him. It's about what I saw at that nursing home.

    I saw something that many people haven't seen, and some do often choose to ignore it, I saw more sadness in those days visiting the nursing home than I thought. In that one place were hundreds of old people who were alone and forgotten.

    So what as to be done with the situation of the old? This is not an easy question, but something must be done. Perhaps groups in the community could assign each member to one nursing home patient with whom they could keep in regular contact. Maybe a school could focus on a nursing home and send cards, pictures and letters to residents. If periodic visits were arranged, I'm sure that for some, if not many, those students would be the only visitors they had all month. These are just a few ideas; we all need to work together.

    I hope everyone to tour a local nursing home I further expect you to do something about it. You'll brighten someone's day, or maybe even his or her life.

Open water swimming

    I had only swum in open water a few times, and always in gentle lakes, so I wasn't prepared for how rough Lake Windermere appeared on a cold day. A swimmer told me the water felt colder than it had been measured, and that the water was a bit rough. But I, along with 10,000 others, was about to complete the challenge.

    Most of the people taking part were doing a one-mile race, and 10 races were planned over the weekend. There seemed to be a mix of open-water enthusiasts alongside complete beginners—which is precisely the aim of the swims, to get as many people as possible completing their own challenge. The oldest woman competing was 77, taking part in the two-mile race, alongside a man who last year had swum in every one-mile race.

    I had chosen the third one-mile race of the day. There were over 600 people in my race. We were taken through an acclimatization area  a children's paddling pool-sized part of the lake where we moved in to feel how cold the water was. "Not too bad" was everyone's thought! Then we headed out towards the middle of the lake.

    We'd been warned that the first 100 metres would be really rough. However, somewhere near the 750m mark I was still waiting for the calm; it felt more like swimming in the sea than a lake. I tried to focus on my breathing and technique, and just keep going. As I approached the 400m-to-go mark my lower right leg became painful. I recalled overhearing people talking about how they kept swimming through the pain, so I tried. But it didn't work. I began to feel the entire leg tight and painful. I didn't want to stop, so I bent my right knee and just kicked with the left leg.

    Finally I saw the finishing post, and I just concentrated on getting there—still one-legged. My finishing time was 38 minutes 25 seconds but that didn't matter—the atmosphere was fantastic and everyone felt a sense of achievement, whatever their time. I'm hooked, and want to give it another go. I've already signed up for my next open-water swim.