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．

    Even if trees cannot walk, they are still on the move.

    In parts of the Arctic, entire forests are moving northward. Across the Arctic, temperatures are rising faster than anywhere else in the world. As that happens, the tree line that marks where forests stop and the treeless tundra (冻原) starts has been shifting northward. Trees growing along the tree line must protect themselves from the cold wind. To dothis, plants tend to grow horizontal (水平的) branches low to the ground. The energy it takes for trees to grow this way means they don't have enough energy to make seeds.

    But as Earth's climate has been warming, trees no longer have to just grow horizontally. Many can instead grow up toward the sky. This takes less energy. And with all that leftover energy, these trees have started producing more seeds. This happens especially in places where white spruce (白云杉) grows.

    White spruce, which is a North American tree, is quite able to produce a lot of seeds, which can move long distances in the wind. When wind­blown seeds end up on the tundra beyond the tree line, they eventually can sprout(发芽) new trees. This explains how a forest can move. Of course, the process would work only if the tundra were warm enough. But in recent years, the whole planet has been warming.

    New trees will provide shelters for some snow. Keeping the sun's rays from making the white surface disappear. Instead, the trees absorb the sun's heat. This warms the surrounding air. The extra warmth encourages even more trees to produce seeds. That further boosts a forest's ability to expand. In addition, more trees will trap more snow, preventing much of it from being blown away. Snow can trap heat in the soil below, which encourages trees to grow. The recent rise of temperatures has helped more trees grow past the tree line. People worry about impacts on the animals that depend on frozen conditions for food and shelter.

    With all the traditional media channels, including newspapers, magazines and television shows, shrinking, advertisers are worrying about how they can reach customers. Banners(横幅) ads on our devices are ugly and disturbing. To overcome various digital problems, the ad industry has been serving up a sneaky(不光明正大的) solution: make ads look less like ads and more like the articles, videos and posts around them.

    This trend, called native advertising, has taken over the Internet; even the websites such as NYTimes.com and Wall-Street.com are using it. On Facebook and Twitter, every 10th item or so is an ad; only the small subtitle “Sponsored（赞助）” appearing in light gray type tells you which posts are ads.

    Won't dressing up ads to make them look like reported articles mislead people? Sometimes, yes. An Interactive Advertising Bureau study found that only 41 percent of general news readers could tell such ads apart from real news stories. And it's getting worse. Advertisers worry that the “Sponsored” label discourages readers from clicking, so some websites are making the labels smaller and less noticeable. Sometimes the labels disappear entirely.

    At a recent talk about the difficulty of advertising in the new, small-screen world, I heard an ad manager tell an impressive story. She had gotten a musical performance – paid for by her soft drink client- perfectly inserted（插入）into a TV awards show, without any moment of blackness before or after. “It looked just like part of the real broadcast!” she recounted happily.

    Look, it is great that native advertising works. But if advertisers truly believe in their material, they should have no problem labeling it as advertising.

    For now native ads continue to be a fashion- with no laws governing them and no labeling standard. But that could change; the Federal Trade Commission has begun considering regulation. If the new generation of digital advertisers clean up their act according to the regulation, native ads might become more acceptable.

    If you are in Dubai you may notice a robot police officer sharing the street with you. Your first thought might be, “Have I walked into a movie set？”

    The answer is no. That robot is Dubai's newest police officer. The robot has a touch screen instead of a gun. The robot will be employed mostly at shopping centers and other places popular with visitors.

    The robot's face has eyes but no mouth or nose. It stands 165 centimeters tall and weighs 100 kilograms. If the robot works well, Dubai says 25 percent of its police force could be robots by 2030. The robot cop(巡警) was officially presented at Dubai's Gulf Information and Security Expo and Conference in May.

    The police hope the robot will make life easier for the people of Dubai. Khalid Al Razooqi is Director General of Smart Services at the Dubai Police. He said the robot can help the public every day, and that “it won't ask for any sick leave”.

    The robot cannot make arrests (逮捕). But it can recognize faces and compare them to photographs on a criminal database. It can also sense emotions. People can use the robot's touch screen to do things like reporting a crime, paying fines and reporting lost or found things. They can also ask how to get somewhere. The robot can greet and shake hands with people. So far, the robot can speak Arabic and English. It soon will learn other languages such as Russian, Chinese, French and Spanish. In addition to having a touch screen, the robot has a camera that can live stream video to a police command center.

    Dubai has plans to add other kinds of robots to its police force. Within two years, the city plans to use a three meter tall robot that can run up to 80 kilometers an hour. The Dubai government says the machine would be the world's largest robot. A human police officer will be able to sit inside and control the robot. It will be able to lift heavy objects.

    The city also plans to use an egg shaped robot to control parking areas and give tickets to people who break traffic laws.

    Children exposed to "safe" levels of air pollution in the womb(子宫) develop brain damage that damages their concentration, a study has shown.

    The research is the first too link common pollutants such as nitrogen(氮) dioxide and soot(油烟) to changes in the brains of unborn babies that mean they may struggle to focus at school in later life. The findings suggest that even comparatively clean city air could lead to worse academic performance and an increased risk of mental health problems such as addition or attention deficit hyperactivity disorder(缺陷多动障碍).

    In recent years scientists have found that children who grow up surrounded by air pollution are more likely to have a broad range of "neuro(神经)­developmental" difficulties, including autism and various kinds of cognitive(认知) damage. However, only a handful of studies have looked at the ways in which the poisonous gases and microscopic particles(微粒) that mothers and young children take in affect the brain during critical stages of its growth.

    A group led by Monica Guxens, of the Barcelona Institute for Global Health, found that exposure to air pollution before birth appeared to have slowed the development of several brain regions that play an important role in people's capacity for self­denial and sustained effort. This lack of inhibition could in turn cause "cognitive delays" when the children get older, the scientists argue in Biological Psychiatry.

    "We need this function in our daily life," Dr. Guxens said. "It controls our impulses(冲动) and our selective attention. Children need it to learn and for making decisions in later life. We're interested to see what will happen: is there going to be an impact on their academic work, are there going to be clinical implications? It might be that this will lead to problems later."

    The results were drawn from MRI scans of 873 children between the ages of six and ten in Rotterdam. Even though 99.5 percent of their mothers had lived with nanoparticle pollution levels well below EU legal limits while they were pregnant the pollution still appeared to have taken its toll(伤亡人数).

    Children who had been exposed to more pollution in the womb did worse on a test of their ability to block out irrelevant stimuli(刺激). They also had thinner outer layers in the precuneus(楔前叶) and the rostral middle frontal regions of their brains, both of which are involved in cognitive inhibition, which refers to the mind's ability to tune out stimuli that are irrelevant to the task at hand or to the mind's current state.

    Experiments on animals show that so­called fine particles are able to pass through the placenta and affect the brain of the fetus(胎儿). Dr Guxens said there were probably no such thing as a safe concentration of air pollution.

What better way to experience the history of a site than to have a hand in actually preserving it? This was the thought behind the founding of Adventures in Preservation (AIP) in 2001. The nonprofit's founders. Judith Broeker and Jamie Donahoe, were both long time preservationists and world travelers. They had seen a great many buildings in poor condition, as well as buildings that had been "restored" without the benefit of conservation expertise.

Twelve years on, they are still involved in the day-to-day management of the organization, supported by a volunteer staff located around the world, Judith's favorite projects have long been the ones in Eastern Europe, and she enjoys opportunity to travel there each year. She, along with anyone else who's joined an adventure, always quotes their fellow jammers, as they're called, as the highlight of each project. The groups are made up of people from all different ages, occupations, and cultures. Yet each time, they form a strong bond and work so well together that the work becomes fun. Which, after all, is the point of a working vacation, no?

Raising understanding of people's own heritage(遗迹) is another part of AIP projects. In many places, there is so much focus on the news that not only are heritage buildings being lost but so are the traditional building skills needed to keep them. By providing training and raising awareness of the importance of their heritage, AIP is helping keep both alive.

Next year, AIP has projects in Europe and the US. There will be even more projects the following year as projects currently under development in Ghana, Armenia, Ukraine and the US come on line. Each project is also an opportunity for travel, adventure, and personal growth, and AIP welcomes people from around the world to join a project and" "jam" with them.