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．

    A schoolgirl saved her father's life by kicking him in the chest after he suffered a serious allergic (过敏的) reaction which stopped his heart.

Izzy, nine, restarted father Colm's heart by stamping (踩) on his chest after he fell down at home and stopped breathing.

    Izzy's mother, Debbie, immediately called 999 but Izzy knew doctors would never arrive in time to save her father, so decided to use CPR.

However, she quickly discovered her arms weren't strong enough, so she stamped on her father's chest instead.

    Debbie then took over with some more conventional chest compressions (按压) until the ambulance arrived.

    Izzy, who has been given a bravery award by her school, said: "I just kicked him really hard. My mum taught me CPR but I knew I wasn't strong enough to use hands. I was quite scared. The doctor said I might as well be a doctor or a nurse. My mum said that Dad was going to hospital with a big footprint on his

"She's a little star," said Debbie, "i was really upset but Izzy just took over. I just can't believe what she did. I really think all children should be taught first aid. Izzy did CPR then the doctor turned up. Colm had to have more treatment on the way to the hospital and we've got to see an expert."

    Truck driver Colm, 35, suffered a mystery allergic reaction on Saturday and was taken to hospital, but was sent home only for it to happen again the next day. The second attack was so serious that his airway swelled, preventing him from breathing, his blood pressure dropped suddenly, and his heart stopped for a moment.

    He has now made a full recovery from his suffering.

    The 65-year-old Steve Goodwin was found suffering from early Alzheimer's (阿尔楚海默症). He was losing his memory.

    A software engineer by profession, Steve was a keen lover of the piano, and the only musician in his family. Music was his true passion, though he had never performed outside the family.

    Melissa, his daughter, felt it more than worthwhile to save his music, to which she fell asleep catch night when she was young. She thought about hiring a professional pianist to work with her father.

    Naomi, Melissa's best friend and a talented pianist, got to know about this and showed willingness to help.

    "Why do this?" Steve wondered.

    "Because she cares." Melissa said.

    Steve nodded, tears in eye.

    Naomi drove to the Goodwin home. She told Steve she'd love to hear him play. Steve moved to the piano and sat at the bench, hands trembling as he gently placed his fingers on the keys.

    Naomi put a small recorder near the piano, Starts and stops and mistakes. Long pauses, heart sinking. But Steve pressed on, playing for the first time in his life for a stranger.

    "It was beautiful." Naomi said after listening to the recording. "The music was worth saving."

    Her responsibility, her privilege, would be to rescue it. The music was sill in Steve Goodwin. It was bidden in rooms with doors about to be locked.

    Naomi and Steve met every other week and spent hours together. He'd move his fingers clumsily on the piano, and then she'd take his place. He struggled to explain what he heard in his head. He stood by the piano, eyes closed, listening for the first time to his own work being played by someone else.

    Steve and Naomi spoke in musical code lines, beats, intervals, moving from the root to end a song in a new key. Steve heard it. All of it. He just couldn't play it.

    Working with Naomi did wonders for Steve. It had excited within him the belief he could write one last song. One day, Naomi received an email. Attached was a recording, a recording of loss and love, of the fight. Steve called it "Melancholy Flower".

    Naomi heard multiple stops and starts, Steve struggling, searching while his wife Joni called him "honey" and encouraged him. The task was so hard, and Steve, angry and upset, said he was quitting. Joni praised him, telling her husband this could be his signature piece.

    Naomi managed to figure out 16 of Steve's favorite, and most personal songs. With Naomi's help, the Goodwin family found a sound engineer to record Naomi playing Steve's songs. Joni thought that would be the end. But it wasn't.

    In the months leading up to the 2016 Oregon Repertory Singers Christmas concert, Naomi told the director she had a special one in mind: "Melancholy Flower"

    She told the director about her project with Steve. The director agreed to add it to the playing list. But Naomi would have to ask Steve's permission. He considered it an honor.

    After the concert, Naomi told the family that Steve's music was beautiful and professional. It needed to be shared in public.

    The family rented a former church in downtown Portland and scheduled a concert. By the day of the show, more than 300 people had said they would attend.

    By then, Steve was having a hard time remembering the names of some of his friends. He knew the path his life was now taking. He told his family he was at peace.

    Steve arrived and sat in the front row, surrounded by his family. The house lights faded. Naomi took the stage. Her fingers. His heart.

    The United States of America is mainly an English-speaking country. The majority of the population speak English as their native language. Besides, education, social activities, etc. are conducted in English. Across but for the most part, Americans speak one common language. This language is sometimes called American English.

    However, not everyone in the USA is a native speaker of English. Most immigrants (移民)are speakers of other languages. There are hundreds of communities around the USA where English is not the most commonly used languages. Chinese, Italian, German, Greek, Spanish and French are all spoken in various communities in the USA. Spanish is the second most commonly spoken language after English. It is widely spoken in New York and across the southern part of the country. For speakers of other languages, learning English is important, but teaching people to speak English as a second language was given little attention. Non-English speakers were expected to "pick up" the language by meeting with others in public. Recently, this has changed.

    Today, most large public schools and community colleges have ESL(English as a Second Language )programs; American English teachers feel that English students should learn the language the way they will use it. Therefore, ESL programs offer different English lessons to different students. Some programs teach students to communicate in English in public. Other programs teach the kind of English people who will need for their jobs. American ESL instructional methods do not lay emphasis on grammar or translation, but on the importance of communication. The goal is to get the English learners to learn by using the language.

    This year is considered as one of the hottest on record, but a genius cooling device in a tiny package is helping many to beat back the heat. Hundreds of thousands of people around the world have already experienced the power of it.

    What is It?

    The device is ZenCooler developed by two German engineers who were tired of the increasingly hot and punishing weather. They realized that regular air conditioning technology was a far from the ideal solution, proving to be too inefficient, and expensive to be used practically on a daily basis. Therefore, they developed the new device that is both sleek, easy-to-use, and extremely powerful. Best of all, it's no bigger than the size of a lunchbox.

    How does ZenCooler Work?

    Simply fill it with water, plug it in and turn it on. Powered by a USB cable, it can be literally run off your smartphone, power bank, and laptop. In less than 60 seconds, you will be enjoying all the benefits of a ZenCooler air-conditioned room.

    The Best Value for Your Money

    With most AC units costing upwards of $200 bare minimum, all the way up to thousands when you take installation and maintenance into consideration, ZenCooler is really a no brainer for the value you're getting. Right now, you can enjoy all the benefits and savings that Zencooler offers, for an all-time low price of only $89/unit which is an absolute steal when you are thinking about everything you're getting!

    If that's not enough of a bargain, they are also offering multi-buy discounts for as low as $49/unit available now.

    Where can you buy ZenCooler?

    Right now it's only available from ZenCooler's official website. Order now to lock in the best price! Click here to order your ZenCooler today.

Cala didn't like us. Any of us. We didn't do anything to offend her and she didn't know us but that didn't matter; she still didn't like us.

As new teachers in the Emirati school, we Westerners greeted her every day. She ignored us. She came into our rooms and bypassed us as she shook hands with all the non-Westerners. Whenever we saw her, she avoided eye contact with us. Eventually, we stopped trying to befriend her.

I wouldn't say her nationality but her friends had been fired from the school. We had been employed in their places and that was enough for her to have nothing to do with us.

Well after 16 months in the school we had a secret friend gifting. To my surprise, I drew her name from the glass jar and that meant she was my secret friend. My role was to buy her a gift and say something about her when we publicly acknowledged who our secret friend was.

I decided to gift her a coloured bangle (手镯). I added a postcard and wrote "Love and Blessings, Rose Marie.

Then came the day. We all gathered in the meeting room. When you gave your gift, you said a few kind words about your secret friend and passed the gift to her. What could I say? Everyone knew she didn't like the Westerners. She taught music in the school so I said "My secret friend is someone who brings music to our ears every day." She came forward with a huge warm smile. She hugged me and kissed me on both cheeks and accepted my gift.

Since then, she smiles often. We hug and shake hands when we meet. I have seen her wear my gift several times and I am so pleased.