Owning a smartphone may not be as smart as you think. It may let you surf the Internet, listen to music and snap photos wherever you are…but it also turns you into a workaholic, it seems.

    A study suggests that, by giving you access to emails at all times, the all-singing, all-dancing mobile phone adds as much as two hours to your working day. Researchers found that Britons work an additional 460 hours a year on average as they are able to respond to emails on their mobiles.

    The study by technology retailer Pixmania reveals the average UK working day is between 9 and 10 hours, but a further two hours is spent responding to or sending work emails, or making work calls. More than 90 percent of office workers have email-enabled phones, with a third accessing them more than 20 times a day. Almost one in ten admits spending up to three hours outside their normal working day checking work emails. Some workers confess(承认) they are on call almost 24 hours a day, with nine out of ten saying they make work emails and calls outside their normal working hours. The average time for first checking emails is between 6 a.m. and 7 a.m., with more than a third checking their first emails in this period, and a quarter checking them between 11 p.m. and midnight.

    Ghadi Hobeika, marketing director of Pixmania, said, “The ability to access literally millions of apps, keep in contact via social networks and take photos and video as well as text and call has made smartphones invaluable for many people. However, there are drawbacks. Many companies expect their employees to be on call 24 hours a day, seven days a week, and smartphones mean that people literally cannot get away from work. The more constantly in contact we become , the more is expected of us in a work capacity(容量).”

    China has the highest adoption rate in the world for technology-enabled payment systems, according to a report released on Wednesday. The report, from the market research firm Nielsen, is based on a survey of 13,000 respondents in 26 countries.

    The survey showed that 86 percent of Chinese respondents said they paid for online purchases during the past six months via digital payment systems compared with a global average of just 43 percent.

    "Chinese consumers have more payment choices for products and services than ever while digital payments will continue to win over more Chinese consumers due to its convenient nature," said Kiki Fan, managing director of Nielsen China.

    The increasingly popular payment method is part of the rapidly evolving purchasing behavior of Chinese consumers. About 98 percent of the respondents in China, the world's largest e-commerce market, said they had made purchases online.

    The majority of them still make online purchases via computers, but the number of those who use mobile devices to make purchases is growing fast and is significantly higher than the average in other surveyed countries.

    At 71 percent, food-related businesses topped the list of purchases made via smart phones while event ticket purchases stood at 51 percent.

    The rising use of digital payments has attracted numerous players to the Chinese market.

    Apple Inc launched its contactless payment system Apple Pay in the Chinese mainland last month. It allows users of the iPhone 6 or more advanced versions, certain iPads and Apple Watches to pay by their devices in bricks-and-mortar stores.

    Apple's rival Samsung Electronics Co Ltd is expected to bring its own mobile payment service to China in mid-March—Sam-sung Pay.

    China's Internet giants Alibaba Group Holding Ltd and Tencent Holdings Ltd have already taken about 90 percent of the mobile payment market, but industry observers said the competition is just about to start.

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    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．

    America is a mobile society. Friendships between Americans can be close and real, yet disappear soon if situations change. Neither side feels hurt by this. Both may exchange Christmas greetings for a year or two, perhaps a few letters for a while — then no more. If the same two people meet again by chance, even years later, they pick up the friendship. This can be quite difficult for us Chinese to understand, because friendships between us flower more slowly but then may become lifelong feelings, extending (延伸) sometimes deeply into both families.

    Americans are ready to receive us foreigners at their homes, share their holidays, and their home life. They will enjoy welcoming us and be pleased if we accept their hospitality (好客) easily.

    Another difficult point for us Chinese to understand Americans is that although they include us warmly in their personal everyday lives, they don't show their politeness to us if it requires a great deal of time. This is usually the opposite of the practice in our country where we may be generous with our time. Sometimes, we, as hosts, will appear at airports even in the middle of the night to meet a friend. We may take days off to act as guides to our foreign friends. The Americans, however, express their welcome usually at homes, but truly can not manage the time to do a great deal with a visitor outside their daily routine. They will probably expect us to get ourselves from the airport to our own hotel by bus. And they expect that we will phone them from there. Once we arrive at their homes, the welcome will be full, warm and real. We will find ourselves treated hospitably.

    For the Americans, it is often considered more friendly to invite a friend to their homes than to go to restaurants, except for purely business matters. So accept their hospitality at home!

    My motivation for starting our family tradition of reading in the car was purely selfish: I could not bear listening to A Sesame Street Christmas for another 10 hours. My three children had been addicted to this cassette on our previous summer's road trip.

    As I began to prepare for our next 500-mile car trip,I came across a book Jim Trelease's The Read Aloud Handbook. This could be the answer to my problem, I thought. So I put Roald Dahl's James and the Giant Peach into my bag. When I began to read aloud the tale of the boy who escapes the bad guys by hiding inside a giant peach, my three kids argued and wrestled in their seats. But after several lines, they were attracted into the rhythm of the words and began to listen.

    We soon learned that the simple pleasure of listening to a well-written book makes the long miles pass more quickly. Sometimes the books we read became highlights of the trip. I read Wilson Rawls's Summer of the Monkeys as we spent two days driving to the beach. We arrived just behind the power crews restoring(恢复)electricity after a tropical storm. The rain continued most of the week, and the beach was covered with oil washed up by the storm. When we returned home, I asked my son what he liked about the trip. He answered without hesitation, “The book you read in the car. ”

    Road trips still offer challenges, even though my children now are teenagers. But we continue to read as we roll across the country. And I'm beginning to see that reading aloud has done more than help pass the time. For at least a little while, we are not shut in our own electronic worlds. And maybe we've started something that will pass on to the next generation.

    A young woman sits alone in café sipping tea and reading a book. She pauses briefly to write in a nearby notepad before showing her words to a passing café waiter: "Where are the toilets please?" This is a familiar scene in Tokyo's so-called "silent cafes", where customers are not allowed to speak, and only communicate by writing in notepads.

    The concept rises by a desire to be alone among youg Japanese, a situation brought by economic uncertainty, a shift in traditional family support structures and the growing social isolation(隔离). The phenomenon is not limited to coffee shops but covers everything from silent discos, where participants dance alone wearing wireless headphones connected to the DJ, to products such as small desk tents designed for conversation-free privacy in the office. One Kyoto company even offers single women the opportunity to have a "one woman wedding" – a full bridal affair, complete with white dress and ceremony, and the only thing missing is the groom. The trend has its own media expression – "botchi-zoku", referring to individuals who consciously choose to do things completely on their own.

    One recent weekday afternoon, Chihiro Higashikokubaru, a 23-year-old nurse, travelled 90 minutes from her home, to Tokyo on her day off in order to enjoy some solo time. Speaking quietly at the entrance of the café, Miss Higashikokubaru said: "I heard about this place via Twitter and I like the idea of coming here. I work as a nurse and it's always very busy. There are very few quiet places in Tokyo, and it's a big busy city. I just want to come and sit somewhere quietly on my own. I'm going to drink a cup of tea and maybe do some drawings. I like the idea of a quiet, calm atmosphere."

    The desire to be isolated is not a new concept in Japan, home to an estimated 3.6 million "hikikomori" – a more extreme example of social recluses（隐士）who withdraw completely from society.