Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly.

    The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.

    In any case, parents should make clear what, if anything, the child is expected to pay for with the money.

    At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more money until the next allowance. The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics.

    Allowances give children a chance to experience the things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save and maybe even invest (投资) it.

    Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future. Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance. A savings account is an excellent way to learn about the power of compound interest (利息). That may not seem like a lot. But over time it adds up.

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    There are many differences between country life and city life in many ways. One person even does different things in the two places.

    Julia lived in the countryside, but one year she decided to visit the capital city to do some shopping and to see the sights. She stayed at a hotel near the central market. She had seldom been to the city before, and was very excited about what she would find.

    On the first morning of her visit, as she walked from the hotel to the market, she passed a beggar(乞丐). He was holding up a notice, which said, “Blind from birth. Please give generously(慷慨地).”

    Julia felt sorry for the blind beggar and she bent down and put a dollar coin into his bowl. “Thank you.” he said.

    The same thing happened again the following day.

    On the third day, however, Julia did not have a dollar coin. She had only fifty cents, so she dropped this into the beggar's bowl.

    “What have I done wrong?” the beggar said, “Why are you so stingy today? ”

    Julia was very surprised at what the beggar said. “How do you know I haven't given you a dollar?” she said, “If you're blind you can't know what coin I put into your bowl.”

    “Ah, ” explained the beggar, “The truth is that I'm not blind. I'm just looking after this place for the regular beggar while he's on holiday.”

    “On holiday?” Julia said, “And what exactly does your blind friend do on holiday?”

    “He goes into the countryside,” the man said, “and takes photographs. He's a very good photographer.”

    Most academics would view a post at an elite university like Oxford or Harvard as the crowning achievement of a career—bringing both honour and access to better wine cellars. But scholars desire such places for reasons beyond glory. They believe perching on one of the topmost branches of the academic tree will also improve the quality of their work, by bringing them together with other geniuses with whom they can collaborate and who may help spark new ideas. This sounds reasonable. Unfortunately，as Albert Laszlo Barabasi of Northeastern University，in Boston (and also, it must be said, of Harvard), shows in a study published in Scientific Reports, it is not true.

    Dr Barabasi and his team examined the careers of physicists who began publishing between 1950 and 1980 and continued to do so for at least 20 years. They ranked the impact of the institutions these people attended by counting the number of citations each institution's papers received within five years of publication. By tracking the association of individual physicists and counting their citations in a similar way, Dr Barabasi was able to work out whether moving from a low to a high-ranking university improved a physicist's impact. In total, he and his team analysed 2,725 careers.

    They found that, though an average physicist moved once or twice during his career, moving from a low-rank university to an elite one did not increase his scientific impact. Going in the opposite direction, however, did have a small negative influence. The consequence is that elite university do not，at least as far as physicists are concerned，add value to output. That surprising conclusion is one which the authorities in countries such as Britain, who are seeking to concentrate expensive subjects such as physics in fewer, more elite institutions—partly to save money, but also to create what are seen as centers of excellence—might wish to consider.

    Hobbs was an orphan (孤儿). He worked in a factory and every day he got a little money. Hard work made him thin and weak. He wanted to borrow a lot of money to learn to paint pictures, but he did not think he could pay off the debts.

One day a lawyer said to him, “One thousand dollars, and here is the money.” As Hobbs took the package of notes, he was very dumbfounded. He didn't know where the money came from and how to spend it. He said to himself, “I could go to find a hotel and live like a rich man for a few days; or I give up my work in the factory and do what I'd like to do—painting pictures. I could do that for a few weeks, but what would I do after that? I should have lost my place in the factory and have no money to live on. If it were a little less money, I would buy a new coat, or a radio, or give a dinner to my friends. If it were more, I could give up the work and pay for painting pictures. But it's too much for one and too little for the other.”

    “Here is the reading of your uncle's will (遗嘱)，” said the lawyer, “telling what is to be done with this money after his death. I must ask you to remember one point. Your uncle has said you must bring me a paper showing exactly what you did with his money, as soon as you have spent it.” “Yes, I see. I'll do that，” said the young man.

    Driverless technology will soon enter another major global industry: shipping. Several companies recently announced plans to start self-sailing ships to improve safety and efficiency（效率）.

    One of them is Norwegian chemical company Yara International. Yara has designed to build an autonomous ship expected to start next year. The ship is fully electric to reduce air pollution. It is designed to carry containers normally transported by truck. This means the ship will also improve road safety by replacing about 40,000 truck trips a year.

    Yara plans to operate the ships by remote control beginning sometime next year. By 2020, the ships should be loading and sailing themselves. Another company focusing on self-sailing ships is the world's largest mining company, Australia's BHP Billiton. The company's Vice President of Freight, Rashpal Bhatti, recently spoke about the technology. He said, “I believe automation（自动化）will be one of the biggest changes for shipping in the future.” Autonomous ships offer important chances to improve safety and provide better efficiency results to the marine supply chain. He added that self-sailing ships could become a reality within the next decade.

    Rolls-Royce, the British automobile and engine manufacturer, is also developing unmanned shipping technologies. Oskar Levander is the company's head of marine operations. He told a conference last year, “This is happening. It's not if, it's when.” Several shipping companies have invested hundreds of millions of dollars to develop self-sailing ships expected to be used by 2025. These ships will be equipped with technology to collect weather and sea data. They will then use the data to plan out the safest, shortest and most fuel-efficient route.