The Winners Club is a bank accountspecially designed for teenagers. It has been made to help you better manageyour money. The Winners Club is a transaction account (交易账户)whereyou receive a key­card so you can get to your money 24/7—that's 24 hours a day, 7 days a week!

It's a club with impressive features forteenagers：

● No account keeping fees!

You're no millionaire so we don't expectyou to pay large fees. In fact, there are no account keeping or transactionfees!

● Excellent interest rates!

You want your money to grow. The WinnersClub has a good rate of interest which gets even better if you make at leasttwo deposits (存款)without taking them out in a month.

● Convenient

Teenagers are busy — we get that. Youmay never need to come to a bank at all. With the Winners Club you can chooseto use handy tellers and to bank from home using the phone and theInternet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you willreceive a FREE magazine full of good ideas to make even more of your money.There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice forteenagers. And it is so easy to join. Simply fill in an application form. Youwill have to get permission from your parent or guardian (so we can organizethat cool key­card) but it is easy. We can't wait to hear from you. It's thebest way to choose to be a winner!

    The question of what children learn, and how they should learn it, is continually being debated and redebated. Nobody dares any longer to defend the old system, the parrot-fashion（way of learning by repeating what others say）of learning lessons, the grammar-with-a-whip（鞭子）system, which was good enough for our grandparents. The theories of modern psychology have stepped in to argue that we must understand the needs of our children. Children are not just small adults; they are children who must be respected as such.

    Well, you may say, this is as it should be, and a good idea. But think further. What happens? “Education” becomes the responsibility not of teachers, but of psychologists. What happens then? Teachers worry too much about the psychological implications（暗示） of their lessons, and forget about the subjects themselves. If a child dislikes a lesson, the teacher feels that it is his fault, not the child's. So teachers worry whether history is “relevant” to modern young children. And do they dare to recount stories about violent battles? Or will this make the children themselves violent? Can they tell their classes about children of different races, or will this encourage racial hatred? Why teach children to write grammatical sentences? Oral expression is better. Sums? Arithmetic? No; real-life mathematical situations are more understandable.

    You see, you can go too far. Influenced by educational theorists, who have nothing better to do than write books about their ideas, teachers leave their teaching-training colleges filled with grand, psychological ideas about children and their needs. They make complicated preparations and try out their “modern methods” on the long-suffering children. Since one “modern method” rapidly replaces another, the poor kids will have well been fed up by the time they leave school. Frequently the modern methods are so complicated that they fail to be understood by the teachers, let alone the children; even more often, the relaxed discipline so necessary for the “informal” feeling the class must have, prevents all but a handful of children from learning anything.

    Nearly 19 percent of teachers of color (有色人种教师) left their jobs after the 2014-2015 school year. Some left for personal reasons like taking care of their families. But 50 percent said they left because they were dissatisfied with their employment situation, such as poor working conditions, student discipline problems and large class sizes. Thus, taking immediate measures to improve it is our top priority.

    For years, researchers have proved the benefits of increasing the share of minority teachers in schools, especially as our public school system has turned to one that is made up mostly of minority students. Teachers of color, who are more likely than their white counterparts to choose to work in racially diverse (多种多样的) schools, offer particular benefits to their students. Graduation rates increase among minority students when they are taught by racially similar educators, research shows. They can also serve as positive role models, and their presence reduces the chance of racial discrimination at school.

    The Shanker Institute report suggests that the rate of minority teacher hiring is not the whole problem. The problem is what happens after these teachers enter the classroom. These teachers often work in high-poverty rural schools. They are more likely to have less-desirable working conditions.

    Diversity is a key component to equality and opportunity. Where there's a diverse teaching workforce, all kids thrive. So solutions must be found at once to turn this trend around. Firstly, schools should develop mentorship programs that support minority teachers once they are in the classroom. Secondly, more money should be spent in improving working conditions in these schools. Of course, school headmasters should also be evaluated on their ability to retain teachers of color.

    Helen Monson has always been interested in helping her community. Her first volunteer experience was for the American Red Cross when she was in high school. When she was a school teacher, she also found time to volunteer.

After she retired, she started volunteering to help the old. When her father was older, he was not able to see as well as he used to, which made her sad because he had always enjoyed reading.

    She decided it would be fun to read to elderly people in her community. She also helped one woman write her stories. Ann was almost 100 years old, and Helen wrote down information about her life when she visited Ann. She put the information in a book and got it published. Ann was very excited to share her life story with her children and grandchildren.

    One day Helen read an article in the newspaper about refugees (难民) who needed to learn English. Now, she meets once a week with Sahra, a 38-year-old woman from Somalia. Sahra is learning reading and writing skills. Helen gave Sahra a camera and asked her to take pictures of her daily life. She developed the pictures, and then asked Sahra questions about them. In the end they wrote a book together and used the photos in the book. This helped Sahra learn many new words about her everyday life.

    Helen says, “The most rewarding part of volunteer work is becoming friends with the people I help. They enrich my life as well as I enrich theirs.”

    Video producer and musician Justin Scholar enjoyed his fantastic moment weeks ago when he spotted his latest work playing on a huge electronic screen at New York's Times Square.

    "It's sort of the American dream to see your name up inlights,'' says the 25-year-old New Jersey native. “I'd never really cared about my name being that big, but going to New York and seeing the big screens, you always wonder if your work is going to make it up there.

    The video that helps Scholar fulfill his "American dream" was shot and produced in China, where Scholar is living and working as a media company owner. Scholar took his first Chinese class in high school seven years ago and made his first trip to Shanghai in 2015 through a study-abroad program when he was a student in New York University. The film and TV major changed his focus from technical art to traditional arts during his study in Shanghai, spending most of the time learning ink-and-wash painting, calligraphy and the guzheng, a traditional Chinese musical instrument. He also fell in love with the city, where he ate a lot of authentic xiaolongbao, or steamed meat buns, and felt safe walking on the streets at 3 am.

    Shanghai impresses Scholar as an efficient, modern city calling for greater business prosperity with foreign participation, so he returned two years later, when his career at home was already booming after making commercials for big names such as Coca-Cola and Jaguar.

    Thanks to a combination of luck and talent, he achieved the goal soon with a Chinese friend as his business partner, and the company has already produced some 15 videos for pop icons, fashionistas, and art museums in merely six months. The video that plays at Times Square, a tourism promotionalfilm for southwest China's Chongqing city, is the company's first project contracted(签合同) by a local government in China.

Standing on the South Pole at the start of the year with the wind blowing across the Antarctic, travel blogger Johnny Ward felt a wave of relief.

Just a week before, in early January 2024, he'd struggled through snow and ice to climb to the top of the Vinson Massif, Antarctica's highest peak. Years before, in 2017, he'd become the first Irish person to visit every country in the world.

Now, after decades of traveling and mountaineering, Ward could claim another world first—the Ultimate Explorer's Grand Slam (大满贯), which involves reaching the highest peak on every continent, and visiting both the North and South Poles in addition to visiting every country.

"I feel relieved," Ward recalled as he slowly made his way back to his home in Thailand after climbing to the top of the Vinson Massif and then setting foot on the South Pole. "But also I'm aware I'm a normal guy, not a world-class athlete, so I guess it was more about resilience and determination more than any ability. Although I met with lots of barriers, I overcame them one by one."

Ward had previously devoted a decade of his life, between 2007 and 2017, to visiting every country in the world. The incredible journey saw him hitchhike (搭便车) a ride on a container ship from Oman to Socotra in Yemen, travel overland from Cairo to Cape Town and travel from South Korea to Australia by bus and boat.

"It had been a huge life goal, over a decade of my life, and then when I finished that I was aimless and had no idea what to do next," he said. "I started eating badly, drinking too much, putting on weight and I ignored my business."

Ward decided that the best way to overcome this was to challenge himself again. He began running ultramarathons (超级马拉松) and climbing mountains, and soon found that with extreme purpose and direction, he was back to loving life again.

So where will Ward go next? Space? The bottom of the Mariana Trench, the deepest point of the ocean? "All good things come after suffering, and I want to share that with people. So that's the next plan," he said.