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．

    The U.S. Department of Labor statistics (统计) show that there is an oversupply of college-trained workers and that this oversupply is increasing. Already there have been more than enough teachers, engineers, physicists, aerospace experts, and other specialists. Yet colleges and graduate schools continue every year to turn out highly trained people to compete for jobs that aren't there. The result is that graduates cannot enter the professions for which they were trained and must take temporary jobs which do not require a college degree.

    On the other hand, there is a great need for skilled workers of all sorts: carpenters, electricians, mechanics, plumbers, TV repairmen.

    These people have more work than they can deal with, and their annual incomes are often higher than those of college graduates. The old gap that white-collar workers make a better living than blue-collar workers no longer holds true. The law of supply and demand now favors the skilled workmen.

    The reason for this situation is the traditional myth that college degree is a passport to a prosperous future. A large part of American society matches success in life equally with a college degree. Parents begin indoctrinating (灌输) their children with this myth before they are out of grade school. High school teachers play their part by acting as if high school education were a preparation for college rather than for life. Under this pressure the kids fall in line. Whether they want to go to college or not doesn't matter. Everybody should go to college, so of course they must go. And every year college enrollments (入学) go up and up, and more and more graduates are overeducated for the kinds of jobs available to them.

    One result of this emphasis on a college education is that many people go to college who do not belong there. Of the sixty percent of high school graduates who enter college, half of them do not graduate with their class. Many of them drop out within the first year. Some struggle on for two or three years and then give up.

    Language is always changing. In a society where life continues year after year with few changes, the language does not change either. The earliest known languages had difficult grammar but a small, limited vocabulary. Over the century, the grammar changed, and the vocabulary grew. For example, the English and Spanish people who came to America during the sixteenth century gave names to all the new plants and animals they found. In this way, hundreds of new words were introduced into English and Spanish vocabularies. Today life is changing very fast, and language is changing fast too.

     There are several major(主要) language families in the world. Some scientists say there are nine main families, but other scientists divide them differently. The languages in each family are connected, and scientists think that they came from the same parent language. About 3 percent of the people in the world speak languages that are not in these major families.

    A recent study led by researchers from the National University of Singapore (NUS) has found a clear link between the color of a taxi and its accident rate. An analysis of 36 months of detailed taxi, driver and accident data from two fleets of yellow and blue taxis in Singapore suggested that yellow taxis have fewer accidents than blue taxis. The higher visibility (能见度)of yellow makes it easier for drivers to avoid getting into accidents with yellow taxis, leading to a lower accident rate.

    The study was led by Prof Ho. To test whether there was a causal relationship between the color of a taxi and the number of accidents the taxi had, the research team analysed data collected by the largest taxi company in Singapore. The researchers found that yellow taxis have about 6.1 fewer accidents per 1,000 taxis per month.

    The researchers also studied the economic effect of changing the color of the entire fleet of taxis to yellow. The Singapore taxi company involved in the study owns about 16,700 taxis in a ratio(比例) of one yellow to three blue taxis. If a commercial decision is made to switch from blue to yellow taxis, 76.6 fewer accidents would occur per month or 917 fewer accidents per year. Assuming an average repair cost of $1,000 per car and a downtime of six days, switching the color of all taxis to yellow could produce an annual savings of $2 million.

    "We are eager to continue to validate(证实) the findings of our study by looking at the use of yellow in other types of public transport, such as school buses. For instance, we hope to compare the accident rates of yellow school buses against other colors to find out if yellow is indeed a safer color for school buses. Besides, we are also interested to look at private-hire vehicles and do a comparison of the accident rates of vehicles that are of different colors," explained Prof Ho.

    This is a time of year when high school students and their families are thinking hard about college. As seniors, juniors, and parents identify their top choices, discussions typically focus on the college itself. Is the institution small or large? How strong are the academics? What is the social life like? Do I like the campus? Such considerations are important, but they can cover the all­important question: Where will these college years lead?

    Applicants should think seriously about which college on their list can best prepare them for the real world. They should look for campuses that offer well­structured programs to help them form a direction for their lives and develop the capacity to take steps along that path.

    One of the most striking recent phenomena about college graduates in America has been the "boomerang" student: the young person who goes away to college, has a great experience, graduates, and then moves back home for a year or two to figure out what to do with his or her life. This pattern has left many graduates — and their families — wondering whether it makes sense to spend four or more years at college, often at great expense, and finish with no clear sense of who they are or what they want to do next.

    The trend points to one of the great shortcomings of many of our nation's leading colleges and universities. Structured opportunities to think about life after graduation are rare. The formal curriculum focuses almost universally on the academic disciplines of the arts and sciences.  Advising on how various majors connect to pathways into the workplace is typically haphazard (没有条理的). Career planning offices are often shorthanded and marginal (不重要的) to college life.

    It doesn't need to be this way, and in recent years some of the country's top colleges have enriched their academic offerings with opportunities for students to gain real­world experiences.

    A Russian spacecraft traveling to the International Space Station Thursday had to make an emergency landing when a rocket engine failed to fire. It was the latest in a recent series of failures for the Russian space program, which is also used by the U.S. to carry its astronauts to the station.

    United States astronaut Nick Hague and Russian astronaut Alexei Ovchinin landed safely about 20 kilometers from Dzhezkazgan in Kazakhstan. The city is about 450 kilometers from the Russia's Baikonur space center, which Russia operates through an agreement with the Republic of Kazakhstan.

    Both the U.S. space agency NASA and Russia's Roscosmos reported that the two were quickly recovered from the landing area by rescue crews. A spokesman for Russian President Vladimir Putin said, "Thank God the crew is alive" after they had landed safely.

    About two minutes after launching, the three-stage Soyuz booster rocket suffered an unspecified failure of its second stage. Russia's TASS news agency said the capsule carrying the two men separated from the troubled rocket safely. This caused the capsule to drop very sharply into the Earth's atmosphere. Parachutes（降落伞）helped slow the returning capsule. Search and rescue teams were sent to recover the crew.

    Russia's RIA news agency reported that Russia has immediately put off all manned space launches after the failure. Roscosmos head Dmitry Rogozin said he had ordered a state commission to carry out an investigation into what went wrong. He said Russia will share all relevant information with the U.S.

    The TASS news agency said that the ISS crew has enough supplies and that the failed launch will not affect operations.

    The U.S. and other nations have depended on Russia to carry astronauts to the ISS since the retirement of the Space Shuttle program in 2011. In coming years, American aerospace companies SpaceX, with its Dragon 2, and Boeing, with its Starliner, are expected to return to space.