An artist in Oakland, California is using his skills to help the homeless. Greg Kloehn builds very small shelters that make life on the streets a little more comfortable. The structures offer the homeless some safety and protection from bad weather. Each little house also has wheels on the bottom so it can go wherever its owner goes.

    Greg Kloehn has given away at least 20 tiny houses. Several are on the roadside near an active railroad. On a recent day, Mr. Kloehn stops at one to visit Oscar Young. The two men hug. Inside his little shelter Mr. Young gets relief from cold nights on the streets. Mr. Kloehn also visits Sweet-Pea, another friend who also lives in one of the little homes the artist built. She says it keeps her safe and protects her belongings.

    In the mornings, Mr. Kloehn searches the streets for building materials. He gathers what he can and takes it to his studio. There, he puts the houses together. Empty coffee bags become roof material. A washing machine door and refrigerator part become windows. Nails, screws and the sticky glue hold all the pieces together. The artist also attaches a small electrical device to the house. The device is powered by the sun.

    Some of the people living on the streets once had normal houses of their own. But some of the people say they have learned to live with less and they are thankful to that man.

    Mr. Kloehn says his work is not a social project. He says he is just someone using his skills to help his homeless neighbors.

    How cool can libraries be in an era(时代) of iPods and Kindles? More than you think. Only if you know where to go.

Central Library: Seattle, Washington, United States

    The Central Library in Seattle is modern and fashionable and has tourists from around the world paying visits and taking tours. It was designed by Dutch architect Rem Koolhaas and American designer Joshua Prince-Ramus. Tours began in 2006, two years after its opening. The library holds various art exhibitions, book signings and other events, while visitors can stop by the Chocolati cat for a coffee and scan through the gift shop anytime.

Trinity College Library: Dublin, Ireland

    The Trinity College Library in Dublin is the oldest library in Ireland, founded in 1592 by Queen Elizabeth I. It is the largest single library in the world, also known as the Long Room, which contains more than 200,000 of the library's oldest books. The Long Room houses one of the oldest harps(竖琴) in Ireland. Dating to the 15^th century, the old harp is the model for the symbol of Ireland.

Geisel Library, University of California: San Diego, United States

    At first glance, it looks like a spaceship. Architect William Pereira, who helped design actual space launch facilities at Cape Canaveral in Houston, Texas, designed the library in 1970. It has been featured in sci-fi films, short stories and novels. The library hosts “Dinner in the Library” which invites readers for cocktails, and also a special speech from distinguished authors.

TU Delft Library: The Netherlands

    The library at the Delft University of Technology was constructed in 1997 and has more than 862,000 books, 16,000 magazine subscriptions and its own museum. The building itself exists beneath the ground, so you can't really see the actual library. What makes it interesting is the roof, which is a grassy hill. The roof covers 5,500 square meters. And it has become one of the most striking and greenest structures in the area.

    situation in which they had to observe two circles on a screen.

    At first glance,price-comparison websites are an example of capitalism at its best.But it has caused fierce competition on price and eviscerated profits.Towers Watson,a consultancy,said that "unnecessary" price competition following the rise of comparison sites in Britain had cost insurers ￡1 billion a year.

    Consumers should celebrate that;the firms' losses are their gains.But there is a catch.Comparison sites introduce a new layer of costs,including their own advertising campaigns.In theory,competition in the market for comparison sites ought to keep those costs down.But David Ronayne of Warwick University argues that consumers often lose out from comparison sites.They earn a commission for each shopper who uses them for consumption such as buying insurance.That referral（委托）cost is included in the price the consumer ends up paying.If the increased costs outweigh the saving the comparison enables,consumers end up worse off.

    These worries are not just theoretical.In 2014,Britain's competition regulator found that many comparison sites were using their contracts with retailers（零售商）to ban them from offering lower prices elsewhere.That weakened rivals' incentive（对手的动机）to cut fees,because prices on their site could not fall.By keeping prices similar,the contracts also reduced the incentive for consumers to search on multiple sites,thus helping sites retain their users.

    Weaker incentives to lower commissions mean weaker incentives to lower costs,too.That might explain why comparison websites advertise so heavily,and sometimes offer free gifts to those who use them.In a recent paper,Ben Edelman of Harvard Business School and Julian Wright of the National University of Singapore argue that when a site knows that the prices merchants provide through it will always be the lowest available,it increases investment in attracting customers,safe in the knowledge that the merchants and at last consumers will bear the cost.

    Is there any way to ensure the market for price comparison is competitive?Asking consumers to check multiple websites defeats the point of using them.One solution is to have only one site,but regulate it as a public utility（功用）. Alternatively,the governments could run the site itself.But creating good search and comparison sites may be too hard for them.It is much better to acknowledge that consumers will always have to do some comparison themselves to "keep the system honest".

    Websites that compare the comparison sites can help,although it is easy to see how they could fall prey to the same problems.Any firm with captive users（被动用户）,be it a comparison site a search engine,or a social-media platform,can charge a high price for access to the eyes of its customers.For all their innovation,Internet middlemen are not unlike supermarkets.Shoppers would never imagine that a single store had the lowest price for all the items they need.

    For years I have had no idea what I have been doing with my life. I was a 30-year-old lawyer in New York. But being a lawyer was never my dream or goal in life. I honestly wanted to be a writer. I have a great imagination and would write amazing stories in my head. But I always knew that being a writer was never possible for me because it was a better financial decision to stay a lawyer.

    Recently, I couldn't fall asleep at my usual time of 10 p. m. and when I did fall asleep I had the same dream over and over again. The dream starts with me in the ocean trying to go for a swim and I'm searching for something, but I start to drown and have no control over my body. Then a light shines through the waters and when I look up all I can see is myself in a bright white room writing a novel. Then I hear a voice say repeatedly, “Now is the time to try something new!”

    It wasn't just a dream; it was my opportunity to make something good out of my life. That afternoon, I quit my job at the law firm and I couldn't have been any happier. My life started at 30, and every day since that point I haven't stopped enjoying life. I started to write and have been on the best-sellers list for the last two months. Things have definitely turned around.

    Change is a good thing; it gives us an opportunity to take a chance. So my two favorite words I live by and so should you are “change and chance”.

    Robert had just moved into the street and he felt strange that he was not wanted. He knew that perhaps the other boys were trying to get an idea of what kind of a boy he was. This did not help to make him less lonely. He was new and he had to be tested. Still, proving (证明) himself would not be all that easy. He did not want to run with bad boys or get into something against the law to prove that he was strong. No! He must show what he was made of in a more helpful way. That was when he got the idea.

The next day was Saturday. He knew that most of the boys would be down on the playground and choose up sides for the Saturday game. Robert knew he could play well and just might be enough to prove he was strong— and to make friends with them. He arrived early and did his step exercises. He shot the ball several times and did some other exercises—— the most difficult and most wonderful in basketball. Then the boys came. Robert went through what he had done before the game and showed what he could do.

    No one said a word. The boys just looked at each other and thought about it. In the end, when it was all over, the biggest of the group just smiled and shook his head. Robert knew he had made it.

    I come from a large family of nine brothers and sisters, and all of us have kids of our own. On each Christmas night, our entire family gathers at my oldest sister's home, exchanging gifts, watching the nativity skit put on by the smaller children, eating, singing and enjoying a visit from Santa himself.

    The Christmas of 1988, my husband Bob and I had four children. Peter was eleven, Leigh-Ann was nine, Laura was six and Matthew was two. When Santa arrived, Matthew parked himself on Santa's lap and pretty much remained dazzled by him for the rest of the evening. Anyone who had their picture taken with Santa that Christmas also had their picture taken with little Matthew.

    Little did any of us know how precious those photos with Santa and Matthew would become. Five days after Christmas, our sweet little Matthew died in an accident at home. We were lucky to have strong support from our families and friends to help us through. I learned that the first year after a death is the hardest, as there are so many firsts to get through without your loved one. Birthdays and special occasions become sad, instead of joyous.

    When our first Christmas without Matthew approached, it was hard for me to get into the holiday spirit. Bob and I could hardly face putting up the decorations or shopping for special gifts for everyone. But we went through the motions for Peter, Leigh-Ann and Laura. Then, something extraordinary happened to raise our spirits when we didn't think it was possible.

    We were just finishing dinner when we heard a knock on the front door. When we went to answer it, no one was there. However, on the front porch was a card and gift. We opened the card and read that the gift-giver wanted to remain anonymous; he or she just wanted to help us get through a rough time by cheering us up.

    In the gift bag was a cassette of favorite Christmas music, which was in a little cardboard Christmas tree. The card described it as being "a cartridge in a pine tree," a twist on the "partridge in a pear tree" verse in the song, "The Twelve Days of Christmas." We thought that it was a very clever gift, and the thoughtfulness of our "elf"(精灵) touched our hearts. We put the cassette in our player and, song by song, the spirit of Christmas began to warm our hearts.

    That was the beginning of a series of gifts from the clever giver, one for each day until Christmas. Each gift followed the theme of "The Twelve Days of Christmas" in a creative way. The kids especially liked "seven swans a-swimming," which was a basket of swan-shaped soaps plus passes to the local swimming pool, giving the kids something to look forward to when the warm days of spring arrived. "Eight maids a-milking" included eight bottles of chocolate milk, eggnog and regular milk in glass bottles with paper faces, handmade aprons and caps. Every day was something very special. The "five golden rings" came one morning just in time for breakfast — five glazed doughnuts just waiting to be eaten.

    We would get calls from our family, neighbors and friends who would want to know what we had received that day. Together, we would chuckle at the ingenuity and marvel at the thoughtfulness as we enjoyed each surprise. We were so caught up in the excitement and curiosity of what would possibly come next, that our grief didn't have much of a chance to rob us of the spirit of Christmas. What our elf did was absolutely miraculous.

    Each year since then, as we decorate our Christmas tree, we place on it the decorations we received that Christmas while we play the song "The Twelve Days of Christmas." We give thanks for our elf who was, we finally realized, our very own Christmas angel. We never did find out who it was, although we have our suspicions. We actually prefer to keep it that way. It remains a wondrous and magical experience - as mysterious and blessed as the very first Christmas.