Investing in yourself

    Figuring out how to invest your money can be a difficult task. This is something that you will want to learn how to do.

    {#blank#}1{#/blank#} Things that will improve your knowledge, skills or health are all great investments. However, before you start, you need to be clear about what you will gain out of doing all of these things.

    You may think investing in yourself means investing in your education. {#blank#}2{#/blank#} . There are some other things you can do as well as buying a gym membership or learning a new skill.

    So what are some specific things you can do? {#blank#}3{#/blank#} . Reading books can really expand your mind and allow you to learn different skills and gain knowledge. I'm talking about the books where you will actually learn a new skill, not fiction books.

    You can also take courses and attend seminars. These programs are taught by people with a high level of knowledge or skill. {#blank#}4{#/blank#} . Only in this way can you avoid being fooled by some sales presentation.

    Moreover, investing in yourself is a safe way to keep your money. Although a savings account is seen as the most secure investment, that isn't 100% safe. Even if you never experience your bank closing down, the return is little when inflation(通货膨胀) is taken into consideration. {#blank#}5{#/blank#} . But over time, they will show up in terms of your happiness level as well as your level of success.

A. This is just one way.

B. The benefits will stay with you.

C. If you aren't a reader, you should start with that.

D. The more you do this, the more valuable you will be.

E. Of course, you need to do some research before investing.

F. The best way to invest your money is to invest it in yourself.

G. When you invest in yourself, you may not see gains right away.

    Greece's finance minister says his country's financial situation is “terribly urgent” and the crisis could come to a head in a couple of weeks. Yanis Varoufakis gave the warning after eurozone finance ministers met in Brussels to discuss the final €7.2bn tranche(援助资金) of Greece's €240bn EU/IMF bailout(紧急援助).

    Ministers said Greece had made “progress” but more work was needed.

The Greek government is struggling to meet its payment obligations（责任）.Earlier, Greece began the transfer of €750m (£544m, $834m) in debt interest to the International Monetary Fund - a day ahead of a payment deadline.

    “The liquidity（资产流动性） issue is a terribly urgent issue. It's common knowledge, let's not beat around the bush,” Mr Varoufakis told reporters in Brussels. “From the perspective of timing, we are talking about the next couple of weeks.”

    Greece has until the end of June to reach a reform deal with its international creditors. Its finances are running so low that it has had to ask public bodies for help. The crisis has raised the prospect that Greece might default（违约） on its debts and leave the euro.

    In a statement, the eurozone finance ministers said they “welcomed the progress that has been achieved so far” in the negotiations,” but added: “We acknowledged that more time and effort are needed to bridge the gaps on the remaining open issues.” Eurogroup chairman Jeroen Dijsselbloem said there had to be a full deal on the bailout（紧急财务援助） before Greece received any further payments. “There are time constraints(限制；约束) and liquidity constraints and hopefully we will reach an agreement before time runs out and before money runs out.” he said.

    There had been fears that Greece would default on its IMF debt repayment due on Tuesday. However, a Greek finance ministry official was quoted as saying that the order for repayment had been executed（实施） on Monday. Almost €1bn has been handed over to the IMF in interest payments since the start of May.

    It is unclear how the government came up with the funds, but the mayor of Greece's second city Thessaloniki revealed last week that he had handed over cash reserves in response to an appeal for money.

    Booking a theatre

    These locations have theatres available for rental:

    Fairview                • Palmerston                • York Woods

    Priority Bookings

    Each June, theatre booking requests for dates in the following calendar year (January to December) are accepted.

    For more information call the Room Booking Unit at 416-397-5969.

    Regular Bookings

    For people who didn't make a booking request in June, call the Room Booking Unit at 416-397-5969 to check for remaining dates.

    Completing a Booking

    Once the library receives a request, staff will check the availability and place a tentative booking for you. You will then receive a contract that you must return with payment within 10 calendar days of the tentative boding and with a minimum of two months before the first booking to confirm the booking.

    Payment

    Payment for the first booking and any bookings in the current month is due when you return the signed contract. If you have booked for multiple months, payments for those months are due at the beginning of each month.

    Rain beat against the window, matching my mood. I should have known that my new job at the hospital was too good to be true. Throughout the day, rumors (传言) warned that the newest employee from each department would be laid off. I was the newest one in the training department.

    My boss appeared. “You probably know we're cutting back,” he said. “Administration wants us to offer outplacement classes to help those employees find other jobs, showing them how to act in an interview, for example.” “Fine,” I answered unwillingly, not knowing what else to say.

    I decided to go home early that day. In the hall, I met the lady who brought us cookies every Friday. She was a little woman with gray hair. Only her head and the top of her green apron were visible over the cart (小车) loaded with cleaning supplies. At least she had a job!

    At the final meeting, laid-off workers formed a line at the door. A colleague whispered, “I can't believe our Cookie Lady is being laid off. We'll miss her as much as we'll miss her cookies.” When the colleague spoke to her in Spanish, I knew my classes would be useless for her and I realized how much better off was than this poor woman.

    I decided to do something for her. I wrote to a newspaper expressing how I felt about the unselfishness of the Cookie Lady who needed a job. A few days later, my article appeared in the newspaper and the Cookie Lady was allowed to stay in her position. On the same day, I received a letter, which seemed so unlikely that I read it twice. “An editor of a local magazine likes your piece and wants you to call her next time you're looking for work …”

    Some people have the feeling that nothing can be done about their poor reading ability(能力）. They feel hopeless about it. Can you learn to read better or must you agree that nothing can be done about it?

    To be sure, people are different. You cannot to do everything as well as certain other people do. All the students in a class tried out for basketball, some would be very good players; others would be very poor; and many would be in between. But even the very poor players can become much better players if they are guided in the right way, and with plenty of practice. It is the same with reading. Some seem to enjoy reading and to read well without any special help. Others find reading a slow and tiring job. In between, there are all degrees of reading ability.

    Many experiments have shown that just about every poor reader can improve his reading ability. In these experiments, the poor readers were given tests of reading ability. After some of the causes of their poor reading were discovered, they were given special instruction and practice in reading. After a few months, another test of the same kind was given. In nearly all cases, these people had raised their reading scores.

    The Dunning-Kruger effect is a type of cognitive bias (偏见) in which people believe that they are smarter and more capable than they really are. Essentially, low ability people do not possess the skills needed to recognize their own incompetence. The combination of poor self-awareness and low cognitive ability leads them to overestimate their own capabilities. This phenomenon is something you have likely experienced in real life, perhaps at a holiday family gathering. Throughout the course of the meal, a member of your extended family begins spouting off on a topic, boldly announcing that he is correct and that everyone else's opinion is stupid, uninformed, and just plain wrong. It may be plainly evident to everyone that this person has no idea what he is talking about, but he talks continuously, blithely oblivious (忘乎所以) to his own ignorance.

    The effect is named after researchers David Dunning and Justin Kruger, two social psychologists. They found incompetent people are not only poor performers, they are also unable to accurately assess and recognize the quality of their own work. These low performers were also unable to recognize the skill and competence levels of other people, which is part of the reason why they consistently view themselves as better, more capable, and more knowledgeable than others.

    This is the reason why students who earn failing scores on exams sometimes feel that they deserved a much higher score. They overestimate their own knowledge and ability and are incapable of seeing the poorness of their performance.

    “In many cases, the incompetent are often blessed with an inappropriate confidence, encouraged by something that feels to them like knowledge.” Dunning and his colleagues have also performed experiments where they ask respondents if they are familiar with terms related to subjects including politics, biology, physics, and geography. Along with genuine concepts, they added completely made-up terms. In one such study, approximately 90 percent of respondents claimed that they had at least some knowledge of the made-up terms.

    So what can you do to gain a more realistic assessment of your own abilities? Instead of assuming you know all there is to know about a subject, keep digging deeper. Once you gain greater knowledge of a topic, the more likely you are to recognize how much there is still to learn. Another effective strategy involves asking others for constructive criticism. While it can sometimes be difficult to hear, such feedback can provide valuable insights into how others perceive your abilities. Even as you learn more and get feedback, it can be easy to only pay attention to things that confirm what you think you already know. In order to minimize this confirmation bias, keep challenging your beliefs and expectations and seek out information that challenges your ideas.