The Winners Club is a bank accountspecially designed for teenagers. It has been made to help you better manageyour money. The Winners Club is a transaction account (交易账户)whereyou receive a key­card so you can get to your money 24/7—that's 24 hours a day, 7 days a week!

It's a club with impressive features forteenagers：

● No account keeping fees!

You're no millionaire so we don't expectyou to pay large fees. In fact, there are no account keeping or transactionfees!

● Excellent interest rates!

You want your money to grow. The WinnersClub has a good rate of interest which gets even better if you make at leasttwo deposits (存款)without taking them out in a month.

● Convenient

Teenagers are busy — we get that. Youmay never need to come to a bank at all. With the Winners Club you can chooseto use handy tellers and to bank from home using the phone and theInternet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you willreceive a FREE magazine full of good ideas to make even more of your money.There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice forteenagers. And it is so easy to join. Simply fill in an application form. Youwill have to get permission from your parent or guardian (so we can organizethat cool key­card) but it is easy. We can't wait to hear from you. It's thebest way to choose to be a winner!

You can't always predict a heavy rain or remember your umbrella. But designer Mikhail Belyaev doesn't think that forgetting to check the weather forecast before heading out should result in you getting wet. That's why he created lampbrella, a lamp post with its own rain- sensing umbrella.

    The designer says he come up with the idea after watching people get wet on streets in Russia. “once, I was driving on a central Saint Petersburg street and saw the street lamps lighting up people trying to hide from the rain. I thought it would be appropriate to have a canopy (伞蓬) built into a street lamp.” he said.

    The lampbrella is a standard-looking street lamp fitted with an umbrella canopy. It has a built-in electric motor which can open or close the umbrella on demand. Sensors (传感器) then ensure that the umbrella offers pedestrians shelter whenever it starts raining.

In addition to the rain sensor, there's also a 360° motion sensor on the fiberglass street lamp which detects whether anyone is using the lampbrella. After three minutes of not being used the canopy is closed.

     According to the designer, the lampbrella would move at a relatively low speed, so as not to cause harm to the pedestrians. Besides, it would be grounded to protect from possible lighting strike. Each lampbrella would offer enough shelter for several people. Being installed (安装) at 2 meters off the ground, it would only be a danger for the tallest of pedestrians.

      While there are no plans to take lampbrella into production, Belyaev says he recently introduced his creation to one Moscow Department, and insists his creation could be installed on any street where a lot of people walk but there are no canopies to provide shelter.

    Information Overload

    In modern society，if we're trying to make a decision，we often have so much information that we get confused，and we don't know what to do．This state is known as information overload．{#blank#}1{#/blank#} It can cause stress，frustration and reduced productivity．But what can we do in the face of information overload？

•Plan for only one time each day to check e-mail，social messaging sites，Wechat，etc．Don't allow yourself to check multiple times，unless you truly are waiting for an important e-mail．{#blank#}2{#/blank#}And that eats up your valuable time before getting away．

    If you are suffering from too many electronic interruptions during the weekday，ask people to call or text you during work hours only if it's really an emergency．{#blank#}3{#/blank#}

    Remind yourself that it's okay to not know everything．In fact，it's impossible to keep up with the pace of the information superhighway．The sooner you accept that，the happier you'll be．{#blank#}4{#/blank#} It is good to fall behind on the information that really isn't worth your attention．

    {#blank#}5{#/blank#}Set aside a regular time each week where you and other family members do not use any kind of electronic media technologies，including television．It could be something you do every weekend，or perhaps an hour or two every evening．

A．Just catch up with the happiest moment．

B．Know what's worth knowing and what isn't．

C．Each time you go online，you run the risk of being addicted to it．

D．Spend time with your family free from electronic products．

E．We need to find some effective ways to process the information．

F． Almost everyone suffers from it to some degree．

G．Otherwise they and you end up stealing time from your employer．

    You're in a department store and you see a couple of attractive young women looking at a sweater. You listen to their conversation: “I can't believe it—Lorenzo Bertolla! They are almost impossible to find. Isn't it beautiful? And it's a lot cheaper than the one Sara bought in Rome.”

    They leave and you go over to see this incredible sweater. It's nice and the price is right. You've never heard of the brand of Lorenzo Bertolla, but those girls looked really stylish. Their clothes follow the fashion. They must know. So, you buy it. You never realize that those young women are employees of an advertising agency. They are actually paid to go from store to store, talking loudly about Lorenzo Bertolla clothes to be heard by others.

    Every day we notice what people are wearing, driving and eating. If the person looks cool, the product seems cool, too. This is the secret of undercover marketing. Companies from Ford to Nike are starting to use it.

    Undercover marketing is important because it reaches people that don't pay attention to traditional advertising. This is particularly true of the MTV generation-consumers between the age of 18 and 34.It's a golden group. They have a lot of money to spend, but they don't trust ads.

    So advertising agencies hire young actors to “perform” in bars and other places where young adults go. Some people might call this practice misleading, but marketing executive Jonathan Ressler calls it creative. “Look at traditional advertising. Its effectiveness is decreasing.” It is true, because everyone knows an ad is trying to persuade you to buy something. However, you don't know when a conversation you overhear is just a performance.

    "Have a nice day！" may be a pleasant gesture or a meaningless expression. When my friend Maxie says "Have a nice day" with a smile, I know she sincerely cares about what happens to me. I feel loved and safe since another person cares about me and wishes me well.

    "Have a nice day. Next！" This version of the expression is spoken by a salesgirl at the supermarket who is rushing me and my groceries out the door. The words come out in the same tone (腔调) with a fixed procedure. They are spoken at me, not to me. Obviously, the concern for my day and everyone else's is the management's attempt to increase business.

    The expression is one of those behaviors that help people get along with each other. Sometimes it indicates the end of a meeting. As soon as you hear it, you know the meeting is at an end. Sometimes the expression saves us when we don't know what to say. "Oh, you just had a tooth out? I'm terribly sorry, but have a nice day. "

    The expression can be pleasant. If a stranger says "Have a nice day" to you, you may find it heart­warming because someone you don't know has tried to be nice to you.

    Although the use of the expression is an insincere, meaningless social custom at times, there is nothing wrong with the sentence except that it is a little uninteresting. The salesgirl, the waitress, the teacher, and all the countless others who speak it without thinking may not really care about my day. But in a strange and comfortable way, it's nice to know they care enough to pretend they care when they really don't care all that much. While the expression may not often be sincere, it is always spoken. The point is that people say it all the time when they like.