Do you feel guilty(内疚的) for something you did? Maybe you made a mistake that hurt someone. {#blank#}1{#/blank#} Either way, the simple words "I'm sorry" can help you and others feel better. It's not always easy to admit(承认) what you did is wrong. But you can't learn from your mistakes without admitting them.

Apologizing(道歉) is an important part of personal growth. When you apologize, the other person knows that you understand his feelings. {#blank#}2{#/blank#} But in fact, it shows that you are strong enough to put others before yourself. After apologizing, you may become closer to your friend than before.

But even after you decided to apologize, you may not be sure how to do it. {#blank#}3{#/blank#}

①Show that you feel guilty and understand how the other person feels. For example, you could say, "{#blank#}4{#/blank#} I feel terrible for talking to you like that."

②Don't keep doing what you apologized for.

③Don't put off(推迟) making an apology.{#blank#}5{#/blank#}

Apologies can be hard, but they are necessary for healthy relationships.

    In 2009 a group of parents in Lymington started sharing worries about their children's money-management skills. Pocket money was now stored in a building society rather than a piggy bank (储蓄罐); household shopping was done online; the children rarely saw their parents handling cash. They were spending online, too. Money had become intangible. How, then, were children to learn its value?

The answer they came up with was GoHenry, an app now available in America as well as Britain. It is designed to help young people learn good spending habits through real-world money activities. Parents sign up with their own bank accounts and pay a monthly fee of £2.99 or $3.99 for each child aged six or over. Adults and children download separate versions. Parents can schedule pocket money and set chores. When those are marked as done, the child is paid the agreed amount. Parents can see what the child has bought and where. And they can choose where the card can be used: in shops, online or at ATMs.

Children get cards printed with their name. They can put money in savings pots, view their spending and balances, and set savings targets. "They could decide to save ten dollars for a friend's birthday in four weeks' time, or set a goal at 12 to have $2,000 to buy a car at age 18," says Dean Brauer, one of GoHenry's founders. "The app tells them how much to save each week to meet their goal."

A big benefit of such apps is that they inspire family conversations about money. According to the latest research, more than half of British parents find the subject hard to discuss with their children. And yet most agree that children's attitudes to money are formed in their early years.

Some GoHenry customers are wealthy parents who worry that their children will grow up with little knowledge of money. Others have slim incomes but regard the app as a preparation for their child's future. Some say that they have been in debt and want their children to avoid that mistake when they grow up; others that the app is cost-effective because their children learn to plan spending. Even though young people no longer touch and hold money, they can still be taught to handle it well.

Why Live Near the River?

Imagine pioneers traveling west in the 1800s. In those days, it was hard to find running water and shops where to buy things. As time went by, most pioneers had to make their homes near a river so that they could get water easily.

How did rivers help people live in the past?

Back in the pioneer days, people grew their own food, caught their own fish, and collected their own water.{#blank#}1{#/blank#}People also used rivers as roads, traveling on boats. Traders shipped goods (货物) to people from other areas.

{#blank#}2{#/blank#}

When building many factories right next to rivers for the water's power to make machines work, some people choose to live near a river for working. They use the river to ship large goods, and some of them work at these factories where power factories provide electricity for homes and businesses.{#blank#}3{#/blank#}

Who wouldn't want to live near a river?

Some people are nervous about living near rivers because rivers can cause floods (洪水). Every once in a while, floodwaters rise higher than a house, ruining (毁坏) many things in the house.{#blank#}4{#/blank#} Such waste causes water to smell bad and pollutes the crops (作物) we eat. Water and crops in polluted areas can make people very sick.

How do people decide where to live?

 {#blank#}5{#/blank#}Rivers can provide jobs and fun activities in a beautiful place. However, those living by rivers should be willing to accept possible problems as well.

    Julia and Lisa have a picnic on Sunday. At 7: 00 o'clock, they have {#blank#}1{#/blank#}(早餐)Then they take some picnic food {#blank#}2{#/blank#} them to a park(公园). In the park, they s{#blank#}3{#/blank#} many flowers(花). Lisa wants to pick (采摘) some.{#blank#}4{#/blank#}Julia tells her not to do that. At 12: 00, they{#blank#}5{#/blank#}[hæv] their lunch. Their picnic food is very {#blank#}6{#/blank#} [nais] .Eggs and hamburgers are {#blank#}7{#/blank#}  (they )favorite {#blank#}8{#/blank#} [fu:d]. After(在……之后) lunch, they fly {#blank#}9{#/blank#} (kite) in the park. At 4: 00 in the afternoon they go home . Their mother {#blank#}10{#/blank#} (ask) them, "Do you have a good time?" "Yes." they say. They are very happy.

I'm enjoying my staying in Canada. It is my first experience of studying abroad, and I am trying to 1  as much as possible. Classes here are much more fun and very different from classes in 2  . There are very few chances to practise 3  and listening in China, so although many Chinese students have good 4  , their speaking is not good. Studying English at Fern is much more practical. We actually 5  the language we are learning. I couldn't speak any English at all when I arrived here. 6 after about a month, the situation changed. Things started getting 7  and I made friends and started to settle in(安顿下来). I am really 8  to learn English here and Fern is a very good language school.

I have always wanted to have a sister. In my Canadian host family my dream has 9 . On the first day when I arrived, my host family welcomed 10  warmly. All the family members were 11  and helpful, and they made me feel at home at once.

My " 12 " , Joise, is very kind. She often explains their manners to me. Her mother explains ordinary things like housework. Together they 13  me to study and understand Canada. Joise told me a 14  . Last year, she met a Chinese student on a plane. She said she felt sorry 15 she did not say anything to the girl.

I'm happy to live in Canada. I think it will be an important experience in my life.