Eat your vegetables.Wash your hands.Always say“please”and“thank you”.We are full of advice for our children, but when it comes to money,we often have little to say.As a result,our children may grow up with clean hands and good manners,but without any idea how to manage their money.

    Here are some basics that will help guide them their entire lives:

    Show them the future.If your 13-year-old girl were to save $1.000,invest（投资）it at 8% and add $100 every month,by the time she's 65,she would have $980,983!

    Be careful of credit（信用）.Credit cards can help you buy necessary things and build a credit history,but they must be used responsibly,which means paying off your debt in time.Explain to your children that when you buy something using a credit card,you can easily end up paying two or three times what you would have paid if you used cash.

    Teach patience.Suppose your child wants a new bicycle that costs $150.Rather than paying the cash,give him some regular pocket money and explain that by putting aside,say,$15 each week,he will be able to buy it for himself in only ten weeks.

    Provide incentive（激励机制）.Tell your children the importance of saving."For every dollar he or she agrees to save and invest rather than spend,you agree to add another dollar to the pot,"says Cathy Pareto,expert in money planning.

    Explain your values.Values and money are deeply intertwined（纠缠在一起）,says Eilleen Gallo,co-author of The Financially Intelligent Parent.When your child demands that you buy something,explain why you really don't want to buy it.“You might say,‘I'd rather save that money for your education,'”advises Gallo.Every time you spend or don't spend money,you have a chance to share your values.

Two good friends, Simon and Jason, met with a car accident on their way home one snowy night. The next morning, Simon woke up blind. His legs were broken. The doctor, Mr. Smith, was standing by his bed, looking at him worriedly. When he saw Simon awake, he asked, " How are you feeling, Simon?” Simon smiled and said, “Not bad, doctor. Thank you very much for doing the special operation. Mr. Smith was moved by Simon. When he was leaving, Simon said, "Please don't tell Jason about it. “Well…Well…OK,” Mr. Smith replied.

Months later when Jason's wounds healed, Simon was still very sick. He couldn't see or walk. He could do nothing but stay in his wheelchair all day long. At first, Jason stayed with him for a few days. But days later, Jason thought it boring to spend time with a disabled man like Simon. So he went to see Simon less and less. He made new friends. From then on, he didn't go to visit Simon any more. Simon didn't have any family or friends except Jason. He felt very sad.

    Things went from bad to worse. Simon died a year later. When Jason came, Mr. Smith gave him a letter from Simon. In the letter Simon said, “Dear Jason, I am disabled. But I want you to be a healthy man. So I gave my eyes to you so that you can enjoy life as a healthy man. Now you have new friends.

I'm glad to see that you are as healthy and happy as usual. I'm glad you live a happy life. You are always my best friend". Simon”. When he finished reading the letter, Mr. Smith said, “I have promised that I will keep this a secret until Simon is gone. Now you know it.

    Jason stood there like a stone. Tears ran down his face.

    Have you ever run into a careless cell phone user on the street? Perhaps they were busy talking, texting or checking updates on WeChat without looking at what was going on around them. As the number of this new “species” of human has kept rising, they have been given a new name — phubbers（低头族）.

    Recently, a cartoon created by students from China Central Academy of Fine Arts put this group of people under the spotlight. In the short film, phubbers with various social identities bury themselves in their phones. A doctor plays with his cell phone while letting his patient die, a pretty woman takes selfie（自拍照）in front of a car accident site, and a father loses his child without knowing about it while using his mobile phone. A chain of similar events eventually leads to the destruction of the world.

    Although the ending sounds overstated, the damage phubbing can bring is real. Your health is the first to bear the effect and result of it. “Constantly bending your head to check your cell phone could damage your neck,” Guangming Daily quoted doctors as saying. “the neck is like a rope that breaks after long-term stretching.” Also, staring at cell phones for long periods of time will damage your eyesight gradually, according to the report.

    But that's not all. Being a phubber could also damage your social skills and drive you away from your friends and family. At reunions with family or friends, many people tend to stick to their cell phones while others are chatting happily with each other and this creates a strange atmosphere, Qilu Evening News reported.

    It can also cost you your life. There have been lots of reports on phubbers who fell to their death, suffered accidents, and were robbed of their cell phones in broad daylight.

    Winter holiday is coming, time to read something just for fun. You might soon find yourself holding your breath as you turn the pages of a frightening story, or browsing (浏览) the latest novel on your new e-reader. For those of you who want to try some reading in English, but have no idea of what to choose from thousands of choices, we'd like to offer the following books to help you out.

    The Selected Works of T.S. Spivet By Reif Larsen

    T.S. Spivet is a smart 12-year-old boy who maps everything, including faces, the dinner table and the geography of his home state of Montana (US). After seeing his work, a famous scientific organization invites Spivet to be a speaker at an important event, without knowing the boy's age.

    The Housekeeper and the Professor By Yoko Ogawa

    Because of an accident, the math professor's short-term memory lasts only 80 minutes, so his house keeper must reintroduce herself each morning when she arrives. With the help of numbers, finally the two are able to develop a relationship across the 80-minute time.

    Escape to America By Tetsuo Fukuyama

    Fukuyama decided to leave his homeland and experiment with a completely different lifestyle: living in New York City. This story of how the writer's courage and determination helped him survive in difficult conditions will encourage readers to find their own happiness.

    Talk to the Hand By Lynne Tru

    When did the world get to be so rude? When did society become so inconsiderate (不为他人着想的)? Being rude has become a point of pride for some. Talk to the Hand is a call for politeness.

    Fifty years ago I had a young family of three boys. My husband Johnny and I left them with a friend while we made a rare trip to the cinema in Liverpool.

    It was dark and pouring with rain but with the headlights shining on the road  we saw something ahead of us. Johnny pulled to a stop and I jumped out, ran to the grass edge and grabbed a small, wet, and frightened creature. I wrapped it safely in my woollen hat and insisted that my husband turn back and head for home. We thought it was a baby rabbit because it had long ears and was grayish-brown in colour. Once home, we filled a box with torn-up newspaper and a warm towel. We named our new animal Bobsy as we had no idea of its sex.

    Sadly though, on the third day with us, it caught its back foot in a door and we quickly realised it was broken. We rushed to the vet (兽医), who said, "It's only a rabbit, I'll put it to sleep." Our response was a very determined, "No way !"We found another vet and told that she was a baby hare. We were told we should continue to keep her in her box for a week and her foot would heal.

    After her recovery, Bobsy learnt to use the kitty litter tray. She would comb her long ears with her front paws. The local paper heard about this and came to our house to take her photo and write a story about her. We had her for seven wonderful years before we moved to New Zealand and we will never forget her.

    Why does most of the world travel on the right side today? Theories differ but there's no doubt Napoleon was a major influence. The French have used the right since at least the late 18^th century. Some say that before the French Revolution, noblemen drove their carriages on the left, forcing the peasants to the right. Regardless of the origin, Napoleon brought right-hand traffic to the nations he conquered, including Russia, Switzerland and Germany. Hitler, in turn, ordered right-hand traffic in Czechoslovakia and Austria in the 1930s. Nations that escaped right-hand control, like Great Britain, followed their left-hand tradition.

    The U.S. has not always been a nation of right-hand drivers; earlier in its history, carriage and horse traffic travelled on the left, as it did in England. But by the late 1700s, people driving large wagons pulled by several pairs of horses began promoting a shift (改变) to the right. A driver would sit on the rear (后面的) left horse in order to wave his whip (鞭子) with his right hand; to see opposite traffic clearly, they travelled on the right.

    One of the final moves to firmly standardize traffic directions in the U.S. occurred in the 20^th century, when Henry Ford decided to mass-produce his cars with controls on the left (one reason, stated in 1908: the convenience for passengers exiting directly onto the edge, especially… if there is a lady to be considered). Once these rules were set, many countries eventually adjusted to the right-hand standard, including Canada in the 1920s, Sweden in 1967 and Burma in 1970. The U.K. and former colonies such as Australia and India are among the Western world's few remaining holdouts (坚持不变者). Several Asian nations, including Japan, use the left as well—though many places use both right-hand-drive and left-hand-drive cars.