Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?

    As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it's not easy to change later in life.

    Financial (金融) experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money.

    According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.

The ant—works first

    Just like ants who work heart and soul in summer in order to store food for winter, these people don't care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest(投资) in some funds and stocks with low risk.

The cricket—fun first

    The cricket wants to enjoy everything now and doesn't think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance(保险).

The snail—lives under pressure(压力)

    The snail refers to people who make life difficult for themselves. They take big long-term loans (贷款)from the bank in order to buy things such as luxury(奢华的) houses. They are happy to take big loans even though they are not sure they can afford it. This can cause problems in the future. They should plan more carefully.

    Being sociable looks like a good way to add years to your life. Relationships with family, friends, neighbors, even pets, will all help, but the biggest longevity (长寿) seems to come from marriage. The effect was first noticed in 1858 by William Farr, who wrote that widows and widowers (鳏夫) were at a much higher risk of dying than the married people. Studies since then suggest that marriage could add as much as seven years to a man's life and two to a woman's. The effect can be seen in all causes of death, whether illness, accident or self-harm.

    Even if the chances are all against you, marriage can more than compensate you. Linda Waite of the University of Chicago has found that a married older man with heart disease can expect to live nearly four years longer than an unmarried man with a healthy heart. Similarly, a married man who smokes more than a pack a day is likely to live as long as a divorced man who doesn't smoke. There's a flip side, however, as partners are more likely to become ill or die in the couple of years following their husband or wife's death, and caring for your husband or wife with mental disorder can leave you with some of the same severe problems. Even so, the chances favor marriage. In a 30-year study of more than 10,000 people, Nicholas Christakis of Harvard Medical School describes how all kinds of social networks have similar effects.

    So how does it work? The effects are complicated, affected by socio-economic factors, health-service provision, emotional support and other more physiological mechanisms(生理机制). For example, social contact can promote development of the brain and immune system, leading to better health and less chance of depression later in life. People in supportive relationships may handle stress better. Then there are the psychological benefits of a supportive partner.

    A life partner, children and good friends are all recommended if you aim to live to 100. The overall social network is still being mapped out, but Christakis says: "People are inter-connected, so their health is inter-connected."

    Controlling your food longings and dropping pounds fast is easy: Just eat breakfast. The editors of Eat This, Not That! carried out researches to determine some best breakfast food for weight loss.

Black Beans

    Protein, per 1/2 cup: 7g

    Black beans will not only fill you up for hours but also help slim you down. Wake Forest Baptist Medical Center researchers found that with black beans consumed daily, study participants' fat reduced by 4 percent over two years.

Peanut Butter

    Protein, per 2 tbsp: 7—8g

    While processed peanut butter is filled with sugar and oils, the real stuff is made with just two ingredients: salt and peanuts. The peanut is filled with heart-healthy monounsaturated fats. Nutritionist and personal trainer Kristin Reisinger suggests using the healthy fat in an AM smoothie.
Almond Butter

    Protein, per 2 tbsp: 7—8g

    “Almond butter is high in protein, fiber and monounsaturated fats,” says Martha McKittrick, RDN, CDE. “Studies have also shown that people who eat nuts are less likely to become overweight than those who avoid them, likely because it helps you feel fuller.” To get the benefits at breakfast, McKittrick suggests spreading some nut butter on the whole grain toast.

Eggs

    Protein, per two large eggs: 13g

    “Eggs are an excellent source of protein and other healthy nutrients including fat-burning choline(胆碱),” says McKittrick. Choline, also found in lean meats, seafood and collard greens, attacks the gene mechanism that causes your body to store fat around your liver, according to Zero Belly Cookbook. The more eggs you eat, the less egg-shaped you get.

    This is not a diet. It's a simple way to lose weight. You don't have to give up the food you love or join a gym. You just follow some habits thin people have. Keep them, and you'll become thin.

    Wake-up

    When you wake up in the morning, sit up slowly without using your hands. With legs straight out, lean forward(前俯) until you feel sore(酸痛的) in your back. It will use up 10 calories.

    Start with soup

    Order a clear soup, and have it before the main food. In this way, you'll feel fuller, so you'll eat less when the main food comes.

    An apple or more a day

    Apples are full of fiber(纤维) and water, so your stomach will want less. Studies show that people who eat at least three apples or pears a day may lose weight.

    Talk it up

    Every time you use the cell phone, stand up and walk around. Heavy people sit on average two and a half hours more each day than thin people. This skill is very important as standing up and walking around will burn up 50 or more calories. Use these skills, and you will have a big weight loss.

    Babies teach their older brothers and sisters empathy (移情), according to a new research. Empathy means understanding and entering others' feelings. Until now, younger kids have generally been regarded to learn plenty from their older brothers or sisters but don't give back much. But this study, published in Child Development, confirms that younger siblings (兄弟姐妹) ensure their big brothers and sisters don't grow into disgusting people—no easy task.

    “Although it's assumed that older siblings and parents are the primary socializing influences on younger siblings' development but not vice versa, we found that both younger and older siblings positively contributed to each other's empathy over time,” study co-author Marc Jambon said in a statement. Prior sibling studies have focused on the influence of older brothers and sisters, probably because their impact is most obvious. As one review of literature notes, studies have shown that older siblings influence everything from their younger siblings' motor development to their risk of smoking later in life. And although separated studies have tried to pin down effects that younger siblings have on their older siblings, the influence of baby brothers and sisters remains unclear.

    For this new study, Jambon and his colleagues recruited (招募) a diverse group of 452 Canadian sibling pairs between the ages of 18 months and four years. At the start of the study, individual researchers assessed children's baseline empathy levels by visiting the kids at home and then pretending to hurt themselves or break a valuable item. Eighteen months later, they found small but significant increases in empathy.

    One unexpected exception—older sisters did not appear to experience increased empathy after 18 months living with their little brothers, specifically. The researchers aren't sure why this exception appeared, and they recommend that future studies dive into more complex phenomena.

German cities are redrawing road markings to create new cycle paths for the duration of the Covid-19 lockdown, as cyclists demand more space to physically distance on their way to work.

Local authorities in the Kreuzberg district of Berlin trialled (试行) temporary widening of two cycle paths on 27 March, arguing it would help cyclists keep the required 1.5-metre distance apart while car traffic was down owing to Germans' coronavirus (冠状病毒) restrictions.

On Friday, the council declared the plan a success because it had improved cycling safety while not blocking traffic.

The council said it had used removable tape and mobile signs to mark out the widened paths, which can be removed when the current restrictions on movement are lifted.

Residents in 133 other German cities have formally submitted applications for similar pop-up bike paths to their local authorities on the back of a campaign by Environmental Action Germany (DUH), an environmental NGO.

The campaign group cites new research linking air pollution to higher coronavirus death rates as an argument for redrawing road signs across the country. "The coronavirus is showing us that clean air is necessary," said DUH's chair, Jurgen Resch. "It is now especially important to temporarily make it more important for people to move safely on their bikes. This will help improve air quality, enable exercise in fresh air while keeping a safe distance and avoid unnecessary accidents."

In Germany, bike repair shops are allowed to work because of the Covid-19 going on. Three federal states, Berlin, Saxony-Anhalt and Mecklenburg-Vorpommern, have allowed bike shops to stay open.