Laws that would have ensured pupils from five to 16 received a full financial education got lost in the 'wash up'. An application is calling on the next government to bring it back.

    At school the children are taught to add up and subtract(减法) but, extraordinarily ,are not routinely shown how to open a bank account — let alone how to manage their finances in an increasingly complex and demanding world.

    Today the parenting website Mumsnet and the consumer campaigner Martin Lewis have joined forces to launch an online application to make financial education a compulsory element of the school curriculum in England. Children from five to 16 should be taught about everything from pocket money to pensions, they say. And that was exactly the plan preserved in the Children, Schools and Families bill that was shelved by the government in the so-called “wash-up” earlier this month — the rush to legislation before parliament was dismissed.Consumer and parent groups believe financial education has always been one of the most frustrating omissions of the curriculum.

    As the Personal Finance Education Group (Pfeg) points out, the good habits of young children do not last long. Over 75% of seven- to 11-year-olds are savers but by the time they get to 17,over half of them are in debt to family and friends.By this age,26% see a credit card or overdraft(透支) as a way of extending their spending power.Pfeg predicts that these young people will “find it much harder to avoid the serious unexpected dangers that have befallen many of their parents' generation unless they receive good quality financial education while at school.”

    The UK has been in the worst financial recession(衰退)for generations.It does seem odd that — unless parents step in — young people are left in the dark until they are cruelly introduced to the world of debt when they turn up at university. In a recent poll of over 8,000 people, 97% supported financial education in schools,while 3% said it was a job for parents.

    It seems the more time we have, the longer we put off living the life we see in our heads, because we feel like we've got some time to kill.

    I know where you think I'm going with this, and I also know you've heard it all before: seize the day, make the most of it, live life to its fullest, and so on. But that's the problem. You've heard it all before. These ideas have their impact and have become a cliché. Luckily, that's not my thing.

    The real answers wake something up inside you. They make you think. That's what I want to give you today, the story of Bobby Darin, which wakes you up to the truth.

    If you haven't heard of the man, I know you've heard his songs. Among his many hits are Mack the Knife, Beyond the Sea, Dream Lover, and Splish Splash.

    If seven years, Darin had several top ten hit songs, was nominated(提名) for four Grammy Awards (winning two), nominated for four Golden Globes (winning one), and even nominated for an Oscar.

    So what was his secret?

    All his life, Darin had a heart condition that developed from a childhood illness. The doctors at the time said he would be lucky to live to 16. In other words, his time was limited. And this was secret. He knew the truth. He knew that we all have such a hard time accepting: Life is short. You can't just say it; you can't just hear it. You have to know it, believe it, and feel it. Because Darin knew his time was limited, he packed as much life as he could into the time he had. But he had an unfair advantage. He knew, without a doubt, his time was limited.

    There was no fooling himself, no putting it off. It was now or never.

Importance of College Education

    During the high school career, students may begin to question the importance of a college education. They might find themselves asking, “Why is it important to go to college?” The answer is that, more than ever, college graduates enjoy much greater opportunities available to them than those who have not received a college education.

    For many high school students, being able to immediately generate an income after graduation is an appealing thought. They may also be affected by the rising cost of tuition, and while it is true that a higher education may be one of the largest expenses you will ever face, the importance of a college education has become quite evident in terms of earning potential within today's economy.

    Why should you go to college? One important answer to this question is more opportunity. As opposed to generations of the past, high school graduates today are unable to obtain high-paying jobs that were once available. The U.S. has been transformed from a manufacturing-based economy to an economy based on knowledge, and the importance of a college education today can be compared to that of a high school education forty years ago. It serves as the gateway to better options and more opportunity.

    There are additional reasons as to why it is important to go to college. When students experience a post secondary education, they have the opportunity to read books and listen to the lectures of top experts in their fields. This encourages students to think, ask questions, and explore new ideas, which allows for additional growth and development and provides college graduates with more opportunities in the job market over those who have not experienced a higher education.

    The importance of a college education is also stressed because of the opportunity to gain valuable resources during the study. The more connections which are collected during your college career, the more options you will have when you begin your job search. Once you have ended your job search and have started your career, however, the importance of a college education has not been exhausted. Having a college degree often provides for greater promotion opportunity.

    So, why should you go to college? The reasoning does not begin and end with the job aspect. A good education is beneficial from many different viewpoints, and though the importance of a college education is quite evident for many high school students, what is often not as clear is how they will pay for that education.

    You want to run across the street to catch the bus which is leaving soon? But wait! You'd better not. If a policeman sees you, you'll have to pay a fine. New traffic laws say that if people cross the street when the light is red, they can be fined as much as 50 yuan.

    Traffic accidents killed more than 100,000 people in China one year. Chinese cities have more cars than ever. Drivers and pedestrians must work together to make the streets safer.

    The law has new rules for drivers and pedestrians. Drivers have to slow down when they are close to crosswalks. If people are in a crosswalk, cars must stop to let them pass. There are rules for bus drivers, too. If bus drivers, smoke, drink or make phone calls while driving, they can be fined. Buses that carry too many people are also against the law.

    Pedestrians will have to walk more safely under the new law. They must cross streets at crosswalks. Also, they shouldn't climb over the fences (栅栏) along streets.

    Do you bike to school? It's not a good idea to carry classmates on the back. You could be fined 50 yuan. And stay in the bike lane (车道), when you' re riding. The big roads are for cars and buses.

    Do you like to ride your uncle's motorbike? When you put on your helmet (头盔), ask him to put one on, too. People on motorbikes must wear helmets, the new law says. If they don't, they'll have to pay 200 yuan.

    Do you ride in cars often? Don't forget to put on your seat belt (安全带), even if you're going for a short taxi ride. It could save your life.

    If you see a hit-and-run(肇事逃逸), tell the police. They may give you a reward (奖赏).And don't be afraid to help people to the hospital if they are hurt in an accident. Don't worry about money. The new law says that doctors must take care of them even if they can't pay right away.

    About one million adults in the USA need someone to help them eat. Researchers at the University of Washington are working on a robotic system that can help make it easier. After identifying different food on a plate, the robot can decide how to use a fork to pick up and deliver the desired bite to a person s mouth.

    "Being dependent on a caregiver to feed every bite every day takes away a person's sense of independence," said the researcher. "Our goal with this project is to give people a bit more control over their lives the idea was to develop a feeding system that would be attached to wheelchairs and feed people whatever they wanted to eat.

    "When we started the project, we realized there are so many ways that people can eat a piece of food depending on its size, shape or consistency(坚实度)," said the researcher, "So we set up an experiment to see how humans eat common foods. "

    The researchers arranged plates with about a dozen different kinds of food, ranging in consistency from hard carrots to soft bananas. Then the team gave volunteers a fork and asked them to pick up different pieces of food and feed them to a model. The fork contained a sensor to measure how much force people used when they picked up food.

    To design a feeding strategy that changes based on the food item, the researchers combined two different algorithms (算法). First they used an object-detection algorithm called Retina Net, which scans the plate, identifies the types of food on it and places a frame around each item. Then they developed SPNet, an algorithm that examines the type of food in a specific frame and tells the robot the best way to pick up the food.

    The team is currently working with the Taskar Center for Accessible Technology to get advice from caregivers and patients on how to improve the system to meet people's need.

Five trends to watch in the coming year

The number 21 is connected with luck, risk, taking chances and rolling the dice, all of which seem strangely appropriate for a year of unusual uncertainty. As 2021 approaches, here are some trends to watch in the year ahead.

⒈ Fights over vaccines

As the first vaccines become available in quantity, the focus will shit from the heroic effort of developing them to the equally difficult task of distributing them. Vaccine negotiations will accompany fights within and between countries over who should get them and when.

⒉ A mixed economic recovery

As economies bounce back from the pandemic, the recovery will be inconsistent, as local outbreaks and restrictions come and go — and governments turn from keeping companies on life-support to helping workers who have lost their jobs.

⒊ A less footloose world

Tourism will shrink and change shape, with more emphasis on domestic travel. Airlines, hotel chains and aircraft producers will struggle, as will universities that rely heavily on foreign students.

⒋ An opportunity on climate change

One positive side to the crisis is the chance to take action on climate change, as governments invest in green recovery plans to create jobs and cut emissions. How ambitious will countries' reduction promises be at the UN climate conference, delayed from 2020?

⒌ The year of déjà vu

That is just one example of how the coming year may feel, in many respects, like a second take on 2020, as events including the Olympics, the Dubai Expo and many other political, sporting and commercial gatherings do their best to open a year later than planned.