In the early 1980s, one of our neighbors asked my mom if she would make a few gift baskets for her to give as gifts for the holidays. My mom agreed and news of the unique gift baskets my mum was making spread like wildfire throughout the neighborhood. My mum was busy throughout the holiday season, so she asked a friend to help her. When the orders continued after the holiday season for baby gifts, birthday gifts and more, it occurred to them that maybe this job could be turned into a business and they did it.

    My mum went into her business because she had a creative idea. She got orders and filled orders. But there was no purpose and no real strategy(策略). In 1991, my mum' s partner got into financial trouble and there was not enough money to support either my mum or her partner.

    So if you are led by your creativity or enthusiasm, make sure you ask yourself what you want out of your business. If you don't set goals, how will you know what direction to go in? Do you want to create jobs and growth in the economy? Are you looking for a hobby? You can't keep scores if you don' t know what game you are playing.

    After my mom's partner gave up, she had to abandon(抛弃) her business to support herself. She swore（发誓）she would run a business again and do it differently the next time. However, there wasn't a "next time" for her. She passed away just after her 51st birthday. She never had someone tell her how important having a goal was. She never had an opportunity to be everything that she could be.

    There are no right or wrong goals, only the ones that matter to you. Set them so that you can make progress and achieve success, whatever that may mean to you.

    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.

    Traffic Light Reading is one of students' favorites! And it's so simple. Here's what to do: Take three pens in different colors, most suitably red, orange and green. But it's not too important as long as teachers and students are both clear on the colour code they're going to use.

    Students read a text, not worrying too much about how much they understand. Teachers can ask them to re-read when students are paying attention to vocabulary. Start by underlining the words that they understand completely (including names, numbers etc) in green.

    Then students re-read the text and underline the words that look familiar-they maybe know them but aren't too sure about them. You guessed it: in orange.

    Finally, students read the text a third time underlining the words they clearly don't understand in red. Sometimes teachers might want to set students a limit for how many red words they underline, telling them only to underline the words that they believe are seriously blocking their understanding of the text as a whole. Generally, however, students are pleasantly surprised by how few words are red and how many are green. Seeing their ability laid out in a visual way really helps to increase confidence.

    Once the whole text is underlined, teachers can give students a limit of 5, 10 or 15 words, depending on the length of the text, and tell them they're only allowed to look these words up in a dictionary. This helps them to recognize words that are actually getting in the way of their understanding of the text and words that they don't know but actually don't impact their whole understanding of the text.

    This is a useful activity that can be done with a printed text, in a Google Doc, on RealtimeBoard, or set as a homework task for some independent study.

    When emergency workers arrive at an old firehouse in New York City, the way they greet each other is not what you might expect. These first responders say," Ni Hao!" "Ni Hao" means "hello" in Mandarin Chinese.

    First responders are the first emergency workers to arrive at a fire, traffic accident or other emergency. Some first responders are fire fighters, while others can be Emergency Medical Technicians.

    In Brooklyn, New York, over 20 first responders are studying Mandarin Chinese for about two hours a week. The class is the first of its kind. It is offered by the New York City Fire Department Foundation.

    The U. S. Census Bureau recently reported that some New York neighborhoods are made up mostly of immigrants. Some people have predicted that the Chinese community is likely to become New York's largest immigrant group. They think the city will have' the largest Chinese community outside of Asia.

    The Census Bureau also found that almost 200 languages are spoken in the city. So, knowing different languages is important, especially if you are a first responder.

    Lieutenant(中尉,少尉) Steve Lee is president of the Fire Department's Phoenix Society. He says that first responders must be able to communicate quickly and effectively when an emergency happens. He explains that first responders enter neighborhoods and communities to assist regardless of where they are from. Many times first responders do not speak the same language as the people they are called to help. He adds that it is vital, or very important, that first responders are able to communicate with the people calling for help.

    Without help from homeowners and others, Lee adds, discovering exactly where a fire is burning can be a real problem. First responders need to ask questions such as "What building? What address? What apartment?" And the most important question," Is there anybody left in the building and where?"

    Many of you may have used Siri, a voice assistant of US tech company Apple. You only have to say "hey Siri" and it will answer to your command. However, we may be sacrificing our privacy to enjoy this convenience.

    According to a recent report by the Guardian, Siri can be accidentally triggered and start recording private conversations, such as discussions between doctors and patients. Some of these recordings are then given to workers outside the company to review.

    Apple claimed the data was used to help Siri improve, but users were not informed of this measure in the first place.

    Apple's Siri is not the only voice assistant to come under fire.

    In 2018, Alexa, a voice assistant developed by US tech company Amazon, recorded a private conversation between a couple and sent it to a stranger without their permission.

    These issues deepened concerns that tech companies are infringing users' rights of privacy.

    Many people have long feared that tech companies are listening and collecting data from private conversations, reported Forbes. Using this data, third party companies could then paint an accurate picture of users' habits and preferences in order to serve them more targeted advertisements, or even worse, sell this private data.

    Despite this risk, the popularity of voice assistant seems to be unstoppable.

    "In the near future, everything from your lighting to your air-conditioning to your refrigerator, your coffee maker, and even your toilet could be wired to a system controlled by voice," commented The Atlantic.

    Colin Horgan wrote on the blog site Medium that he believed people's daily lives will soon become a source of data.

    "The sounds of our homes, the symphony of life – laughing, crying, talking, shouting, sitting in silence – will no longer be considered memories, but data," he wrote.

    To deal with the issue, Blake Morgan, reporter for The Atlantic, believed that the answer is transparency.

    "All companies need to have messaging ready to explain to customers what they do with private data," she wrote on The Atlantic.

    A 27-year-old inventor, Joco Paulo Lammoglia, has come up with a new device ( 设 备 ) named the AIRE mask, which is capable of transforming the wind energy provided by the wearer's breath into electrical energy. This means breathing has become a source of renewable energy. The inspiration for the invention came from his watching children blowing on pinwheels (纸风车).

    The device is worn like a mask equipped with tiny wind turbines (涡轮) and it can work its magic even while people are sleeping, running or hanging around, since energy is created from one's breath. The principle of this AIRE mask is simple. The invention uses the wind flow created by breathing and changes it into energy that can charge mobile phones and iPods. Simply put this mask connected to your mobile phone on your face. The rest takes place naturally through your breath that provides power to run turbines which produce electricity.

    Lammoglia explained how useful he hopes the AIRE will become. He said, "I hope to bring the concept into production and reduce the carbon footprint. It can be used indoors or outdoors, while you're sleeping, walking, running or even reading books." Apart from saving energy and contributing to environmental protection, it also encourages the practice of physical exercise. This is an entirely all time renewable energy source. Its energy is available 24 hours a day, seven days a week.

    Lammoglia explained why he thought the AIRE was so useful, saying, "Though many of our modern devices offer benefits, they tend to consume a high amount of electrical energy. This may cause problems for the environment, especially if the energy used by these devices is produced by non-renewable sources.

    The AIRE mask will be future's cheaper source of charging mobile phones. It would save energy and allow people to never have to worry about their phone dying unless they stop breathing.