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．

    Would you like to travel? Here is some advice for you.

    The Speaker was the title of an eight-part television series. It was produced by the BBC in the UK. The aim of the series was to find Britain's best young speaker.

    Young people between the ages of 14 and 18 from across the country were invited to take part in The Speaker. Applicants included tough-talking teens, jokers, and shy, sensitive types. The one thing they had in common was a desire(渴望) to talk publicly and enthusiastically about what was important to them.

    Each applicant was asked to prepare and film a one-minute speech on any subject-from pop music to politics, from hooligans(小流氓) to homework. From all the entries received, 160 speakers were chosen by three judges. These speakers were invited to the next stage of regional auditions(海选), where they had to deliver their one-minute speech again, but this time in front of the judging panel(评审团) and an audience. Of the 160 speakers, only 20 were selected by the judges to go through to the next stage. They then had to give another speech on a subject they were given only seconds before making the speech. Some competitors also had to speak about a picture, again without any preparation.

    The final eight were then coached by celebrity mentors(指导老师) and given new challenges to help improve their speaking skills. Their speeches were judged by the judges and their mentor. By the last part in the series, which was shown at the end of April 2009, only three competitors remained. They were taken on a research trip to Malawi, where they found out first hand the effects of children's rights, ahead of their final speech. Duncan Harrison, a 14-year-old schoolboy from Bristol was chosen as the winner by the judges and mentors.

    When asked what makes a good speaker, the actor, director and teacher, Jeremy Stockwell, who was one of the judges on the series, said, “An effective speaker must know and trust who they are, what they have to say, and why they have to say u. Whether you're playing Hamlet, delivering a political message or presenting a school meeting, you must have a story to tell, a message to pass on and a clear sense of purpose.”

    A new study from brain researchers helps explain how the human brain evolved or changed over time, to permit people to speak and write.

    Michael Ullman, the lead researcher, a professor at Georgetown University Medical School in Washington, D.C, has been studying language learning for more than 20 years.

    Ullman says his research shows that the human brain does not have a special area or system for making language. Over time we have simply reused or co-opted (指派) parts of our brain for language. And those parts, he says, are ancient-older even than humans themselves.

    "This study examines the theoretical framework (准则) that language is learned, stored and' processed in two ancient learning and memory systems in the brain."

    Ullman, Hamrick and the rest of the team looked at data from 16 other studies on language. They found that people learn language using two memory systems: declarative and procedural. Memorizing vocabulary, for example, is a declarative memory process. But learning grammar is, mostly, a procedural memory process.

    "Declarative memory, in humans at least, is what we think of as learning memory', such as, 'Oh, remember what you said last night' or things like that. And procedural motor memory is what we often call motor memory' such as how you learn to ride a bicycle." Or, Ullman adds, "These procedural memory skills become so deeply leaned that we are no longer aware that we are doing them."

    However, Ullman explains that the two long-term memory systems can share tasks. And, he adds, the adult brain uses the systems to learn language a bit differently than a child's brain.

    "Adult language learners of a second language may use their declarative memory for using grammar patterns. They think about it purposefully. For a child, the grammar may come more naturally. They don't have to think about the grammar rules before speaking."

    In addition to language learners, Ullman's study could help people who have a brain injury that affects speaking and writing. This knowledge can also help those who have learning disabilities such as dyslexia (阅读障碍). People with dyslexia have difficulty recognizing words and symbols accurately.

    Becca was 6 when she was told she had cancer on Sept. 8, 2014. She clearly remembers the bad days of her 26 months of non­stop treatment. Luckily, Becca celebrated her final treatment on Nov. 13, 2016, and she has been cancer­free ever since. But she was thinking about what her life was like while experiencing treatment.

    I was never able to do much, and that's what the kids lying in their hospital beds right now experience, asking their mom and dad, "When are we leaving? When can I play with my friends？" So I decided I have to help them.

    In February, 2017 Becca came up with the idea for Knots and Arrows, a company that makes bracelets (手镯) out of swimsuit materials (泳衣布料). Part of the money made from each bracelet goes to the organizations that help people with cancer.

    Becca created the company with her father, Gerhard Salmins. Gerhard Salmins once had cancer and already recovered from it. "I would be in the hospital sitting there crying and then my dad would come in and he would play games with me，" she said. "It made me forget about what I was going through." Becca said the name of the organization shows the motto (座右铭) she stuck to through her personal cancer journey.

    Her organization has already given thousands of dollars to research organizations and families in need. Becca said she hopes her bracelets will make people remember that great things can result from small changes. "No matter what age you are, what you look like, how you act, you can make a difference!" she said.

Immersive Van Gogh

From the creators of the blockbuster show in Paris seen by over two million visitors and still wowing crowds in Toronto, the west coast premiere(首场) of the Immersive Van Gogh Exhibit will bring the art of Vincent to life in Los Angeles.

Immersive art is not just a technical way to represent video and audio in huge spaces. The word immersive indicates a deep commitment of intentions which connect images and sounds in a way that the audience is able to experience a different way of the art.

True to its name, this exhibition transforms the iconic(偶像的) paintings of Vincent van Gogh into moving, wall-filling projections. "Immersive Van Gogh" promises half-a-million cubic feet of projections that pull from some of the post-impressionist's most recognizable pieces, including The Bedroom, Sunflowers and, yes, The Starry Night.

You will experience art like never before—lose yourself in entrancing, moving images that highlight brushstrokes, detail, and color—truly illuminating(照亮) the mind of the genius.

LOCATION

        The Immersive Van Gogh Exhibit is located at a secret place situated in the heart of Los Angeles. To be announced before the exhibit opens, existing ticket holders will receive an email with the place name and location once it is made public.

TICKET PRICES

        Tickets are available online at www.vangoghla.com. 

GIFT SHOP

        Stop by our Exhibit Gift Shop to take the magic of Van Gogh home with you! From clothing and jewelry to home décor, children's books, and so much more, you will find unique and thoughtful souvenirs at the Immersive Van Gogh Exhibit. Also be sure to check out at our online store!

        Experience the organic landscapes of Van Gogh's imagination, and journey through his brilliance and madness in a completely new and unforgettable way.