For many of us, talking about money is embarrassing, especially revealing our income and spending habits in public. So it's no wonder that seeking investment advice from computer program is so popular.

    Consultancy firm Accenture found that 68% of global consumers would be happy to use robot-advice to plan for retirement, feeling it would be faster, cheaper, and fairer than human advice. “Many of our customers say they feel awkward in face-to-face meetings, preferring an online experience where they don't feel nervous,” says Lynn Smith, a director of robot-advice firm Wealth Wizards. So how does robot-advice work and is it really any better than traditional financial advice?

    Robot-adviser firms use algorithms (算法) to analyse your financial situation and goals and then work out an investment plan to suit you. Basically, you answer lots of questions online about your income, expenses, family situation, attitude to risk and so on, and then the algorithm allocates (分配) your savings to a series of investments, from index funds that aim to imitate a particular stock market index or sector, to fixed-income bonds.

    Robot-advice is certainly growing in popularity. But are we really happy to give up the human adviser completely? “No” is the short answer. Accenture finds that a significant proportion of us still want human interaction, particularly when our finances are complex. “When a customer needs advice surpassing a number of different regulatory regimes, human advice will be required, says John Perks, managing director of life and pensions at UK insurer LV, which launched its Retirement Wizard robot-advice service two years ago.

    The truth is that only about a quarter of funds managed by clever humans overcome the market as a whole, so when you take into account the much higher management fees you pay for that kind of service, the performance difference is likely to be marginal (微不足道的) for most of us.

    The robots may be coming, but in this case at least, they seem to be on the side of the small investor trying to save for a comfortable retirement.

    A layover（临时滞留）or flight delay can be extremely fun in these international airports.

Munich Airport, Germany

    Aviation（航空）lovers passing through Munich can take a behind-the-scenes tour to learn how the airport operates. Visitors can also tour three historic aircraft and a retired rescue helicopter, climb up to a 28-metre high observation platform for an up-close view of take-offs and landings, and watch films on aviation in the airport's 60-seat cinema. Travelers can also kill layover time at an 18-hole mini-golf course, or even stop in for a teeth cleaning at the airport dental office.

    Changi Airport, Singapore

    After a long flight to Singapore, travelers can relax in a Balinese-style swimming pool, work out at the airport gym, or enjoy a drink and live musical performances at the airport's Music Bar. The airport also boasts a tranquil butterfly garden, and a “fragrant garden” which is home to 15 species of plants and trees. Free movies at one of two airport cinemas also keep passengers entertained.

    Schiphol Amsterdam Airport, the Netherlands

    Schiphol is Europe's fifth-largest airport. Here passengers can view the works of Dutch masters free of charge, and try their luck at airport's casino（赌场）. You can even have your wedding ceremony at Schiphol—couples can choose from four different wedding packages, including a 1930-style ceremony held on a Dakota military aircraft.

    San Francisco International Airport, California

    The airport's 24–hour AirTrain not only moves passengers between terminal, but also provides a fun view of the runways. There are three aquariums（水族馆）to explore, along with interactive play area, an aviation museum, and a library. If that's not enough to keep the little ones busy, travelers can rent portable DVD players and movies for use in the airport.

    While the start of a new school year is always exciting, this year was even more so for some elementary school students in Auckland, New Zealand. They became the world's first kids to be" taught" by a digital teacher, Will. Will is just an avatar(用户头像)that appears on the student's desktop, tablet, or smartphone screen, not a human-like robot walking around the classroom.

    Auckland energy company Vector and AI company Soul Machines worked together to develop Will, which has been modeled after the human brain and nervous system, allowing it to perform human-like behavior. The digital teacher is currently assigned to teach Vector's" Be sustainable with energy, "a free program for Auckland elementary schools.

    Just like the humans it replaced, Will is able to instantly react to the students' responses to the topic. Thanks to a webcam(网络摄像头)and microphone, the avatar not only responds to questions the kids may have, but also picks up non-verbal cues(非口头提示).For instance, if a student smiles at Will, he responds by smiling back. This two-way interaction not only helps capture the students' attention, but also allows the program's developers to monitor their engagement, and make changes if needed.

    Vector's Chief Digital Officer, Nikhil Ravishankar says," What was fascinating to me was the reaction of the children to Will. The way they look at the world is so creative and different, and Will really captured their attention."

    Will, in place since August 2018,has been a great success thus far. However, regardless of how popular it becomes, Will is unlikely to replace human educators any time soon .For one, the avatar's knowledge base is severely restricted. But more importantly, even the smartest digital avatars could never predict and react to all the unexpected situations that educators have to deal with on a daily basis. However, it could come in handy as a" personal tutor", providing kids with one-on-one help on specific subjects or even topics.

    Check out our tsunami (海啸) facts and lean some interesting information related to these great walls of water that can cause so much destruction. Find out what causes tsunamis and read about some notable recent examples of tsunamis that have occurred around the globe.

    Tsunamis are huge waves of water that are usually caused by earthquakes or volcanic eruptions.

    As a tsunami approaches the shore, water may move back from the coast. If it is shallow enough, the water may be pulled back hundreds of meters. If you are in the area, observing this is a good indication that a tsunami is on the way.

    Regions in tsunami danger zones often have warning systems in place to give people as much time to evacuate (撤离) as possible.

    When tsunamis hit shallow water (often near the coast), they slow down but increase in height.

    An earthquake in the Indian Ocean off Indonesia in December 2004 caused a tsunami that killed over 200, 000 people in 14 countries.

    In March 2011, the Tohoku earthquake off the eastern coast of Japan caused a tsunami that was a major factor in the death of over 15, 000 people.

    The tsunami waves created by the Tohoku earthquake reached heights of over 40 metres (131feet) in mine areas, wiping out coastal towns and causing a number of nuclear accidents.

    The Japanese word "tsunami" literally means "harbour wave".

    Tsunamis are sometimes referred to as tidal waves but this term has fallen out of favour because tsunamis are not related to tides.

    Alison Malmon was ending her freshman year at the University of Pennsylvania. US, when she got the news: Her older brother Brian, a student at Columbia University; was suffering from mental illness.

    Inspired by this, Malmon formed a group at her university to organize students to talk openly about mental health. It soon blossomed into a national organization that today has more than 450 campus chapters. Leaders with the organization spend their time talking with college students about the pressure that today's young people face.

    "What you hear often is just a need to be perfect," said Malmon, "and a need to present oneself as perfect." A new study in the UK proved that this need for perfectionism is simply part of today's society. In the study, two researchers studied more than 40,000 students from the US, Canada, and the UK. They found that what they called "socially-prescribed (社会定向型的) perfectionism" increased by a third between 1989 and 2016.

    Lead researcher Thomas Curran said that while so many of today's young people try to present a perfect appearance online, social media isn't the only reason behind this trend. Instead, he said, it may be driven by competition in modem society, meaning young people can't avoid being sorted and ranked in both education and employment. That comes from new normal situation like greater numbers of college students, national examination and parenting that increasingly emphasizes success in education.

    For example, in 1976, half of high school seniors expected to get a college degree of some kind. By 2008, more than 80 percent expected the same. The researchers also said changes in parenting styles over the last two decades might have had an impact. As parents feel increased pressure to raise successful children, they in turn pass their "achievement anxieties" onto their kids through "too much participation in their child's activities or emotions

    Those in the mental health community like Malmon say they're concerned about the impact the culture of perfectionism has on mental health on campuses. "Mental health has truly become this generation's social justice (公正)issue," she said. "It's our job to equip them with the tools and to let people know that it's not their fault."

    Assistant Professor of Chemistry

    The University of Chicago: Physical Sciences Division: Department of Chemistry

    Location

    Chicago, Illinois

    Description

    The Department of Chemistry at The University of Chicago invites applications for the position of Assistant Professor of Chemistry in all areas of chemistry.

    Applicants must apply online at apply.interfolio.com/66199 and upload a cover letter, a curriculum vitae with a list of publications, a brief outline of research plans and a one－page teaching statement. In your cover letter, please specify(注明) one sub－discipline that best represents your research interests (inorganic, materials, organic, physical, theoretical or chemical biology). In addition, three reference letters are required.

    Qualifications

    At the time of hire the successful candidate must have completed all requirements for a PhD in Chemistry or a related field. Joint appointments with other departments are possible.

    Application Instructions

    Review of applications will begin on October 7, 2020 and will continue until all positions are filled.

    Apply to: apply.interfolio.com/66199

    Equal Employment Opportunity Statement

    The University of Chicago is an Affirmative Action/Equal Opportunity/Disabled/Veterans Employer and does not discriminate on the basis of race, colour, religion, sex, sexual orientation, gender identity, national or ethnic origin, age, status as an individual with a disability, protected veteran status, genetic information, or other protected classes under the law. For additional information please see the University's Notice of Nondiscrimination.

    Job seekers in need of a reasonable accommodation to complete the application process should call 7737021032 or e-mail equalopportunity@uchicago.edu with their request.