The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account (交易账户) where you 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 expect you to pay large fees. In fact, there are no account keeping or transaction fees!

● Excellent interest rates!

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

● Convenient

    Teenagers are busy — we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet...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 will receive 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 for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission from your parent or guardian (so we can organize that cool key­card) but it is easy. We can't wait to hear from you. It's the best way to choose to be a winner!

    You carry a 1.3 kg mass of fatty material in your head that controls everything you will ever do. This fantastic control center lets you think, learn, create, and feel emotions. It also controls everything your body does. What is this amazing machine? It's your brain — a structure so amazing that the famous scientist James Watson called it ＂the most complex thing we have yet discovered in our universe＂.

    Imagine your kitten jumped onto the kitchen counter, and was about to step onto a hot stove. You would have only seconds to act. In situations like this, your brain reads the signals from your eyes and quickly calculates when, where and at what speed you need to run to save her. Then it tells your muscles to move. No computer can match your brain's great ability to download, process, and react to the flood of information from your eyes, ears and other sensory organs.

    If a bee lands on your foot, sensory neurons(神经元) in your skin send this information to your brain at a speed of more than 240 kilometers per hour. Your brain then uses motor neurons to send a message back to your foot: Shake the bee off quickly! Motor neurons can send this information at more than 320 kilometers per hour!

    Your brain contains about 100 billion tiny cells: neurons — it would take you more than 3,000 years if you tried to count them all. Whenever you dream, laugh, think, see or move, tiny chemical and electrical signals are racing between these neurons along billions of tiny neuron pathways. Believe it or not, the activity in your brain never stops. Countless messages fly around inside it every second, like a super-fast game of table tennis. Your neurons create and send more messages than all the phones in the entire world. And although a single neuron generates only a tiny amount of electricity, all your neurons together can generate enough electricity to power a light bulb.

    A sense of humor is something highly valued. A person who has a great sense of humor is often considered to be happy and socially confident. However, humor is a double-edged sword. Sometimes it can damage self-respect and annoy others.

    People who use bonding humor tell jokes and generally lighten the mood. They're thought to be good at reducing the tension in uncomfortable situations. They often make fun of their common experiences, and sometimes they may even laugh off their own misfortunes. The basic message they deliver is: We're all alike, we find the same things funny, and we're all in this together.

    Put-down humor, on the other hand, is an aggressive type of humor used to criticize others through teasing. When it's aimed against politicians, as it often is, it's extremely funny and mostly harmless. But in the real world, it may have a harmful effect. An example of such humor is telling friends an embarrassing story about another friend. When challenged about their teasing, the put-down jokers might claim that they are "just kidding," thus allowing themselves to avoid responsibility. This type of humor, though considered by some people to be socially acceptable, may hurt the feelings of the one being teased and thus have a bad effect on personal relationships.

    Finally, in hate-me humor, the joker is the target of the joke for the amusement of others. This type of humor was used by comedians John Belushi and Chris Farley—both of whom suffered for their success in show business. A small amount of such humor is charming, but routinely offering oneself up to be embarrassed destroys one's self-esteem, and fosters depression and anxiety.

    So it seems that being funny isn't necessarily an indicator of good social skills and well-being. In certain cases, it may actually have a negative effect on interpersonal relationships.

    TOASTMASTERS

    Toastmasters is an international organization, designed to develop effective speaking and listening skills. It was set up in 1924 by Ralph Smedley and it's headquartered in California. It has a double purpose: the personal growth and strong effective communication skills.

    Who is Toastmasters open to?

    Many people think Toastmasters is open only to those who wish to be professional speakers, but that is not true. Toastmasters is open to the public at large. Any person who wishes to improve his public speaking is welcome. And also, those who just want to increase their overall self-confidence are encouraged to attend.

How can Toastmasters help you?

    Joining Toastmasters, a person will learn different methods of communicating what he really wants to say, and equally important, he will learn what the audience expects so he can send that message to them in an organized way. Some people are comfortable around friends, but when they appear before a group they don't know, they get nervous. The organization helps its members to get calm and organize thoughts, and express them in an effective way.

    Most often, people assume that when one is listening, he is also paying attention. This is not always true. Many times people are waiting for their turn to speak and are not really listening at all. Toastmasters can develop a person overall in organizing their thoughts, getting information from others and receiving effective feedback（反馈）.

    How does Toastmasters train people?

    Toastmasters has a way of learning by doing. The Toastmasters International Organization provides a menu called the basic menu because it gives a guideline for the development of speeches. These speeches can meet different purposes. For example, one might need voice training; another might be to organize his thoughts or develop use of humor in speeches. There is an eight-week program for young people and also an eight-week speech course offered for adults. As a person continues to give speeches and improve, he progresses from the point of being fearful to stand before a group to the point where he can speak to any group of people with confidence.

    In Canada, rights come with responsibilities. These include:

Obeying the law—one of Canada's founding principles is the rule of law. Individuals and governments are regulated by laws and not by arbitrary actions. No person or group is above the law.

    Taking responsibility for oneself and one's family—getting a job, taking care of one's family and working hard in keeping with one's abilities are important Canadian values. Work contributes to personal dignity and self -respect, and to Canada's prosperity.

    Serving on a jury—when called to do so, you are legally required to serve. Serving on a jury is a privilege that makes the justice system work as it depends on impartial juries made up of citizens.

    Voting in elections—the right to vote comes with a responsibility to vote in federal provincial or territorial and local elections.

    Helping others in the community—millions of volunteers freely donate their time to help others without pay -helping people in need assisting at your child's school volunteering at a food bank or other charity, or encouraging newcomers to integrate. Volunteering is an excellent way to gain useful skills and develop friends and contacts.

    Protecting and enjoying our heritage and environment—every citizen has u role to play in avoiding waste and pollution while protecting Canada's natural, cultural and architectural heritage for future generations.

    It's difficult to know the exact answer to whether babies dream and what they dream about. However, sleep experts have shown that newborns dream the most in the first two weeks after birth. Babies spend most of their sleeping time in REM(rapid eye movement) stage. As dreaming takes place in a light state of sleep, newborns tend to wake up due to noises, movements and other factors. When dreaming, newborns make a few noises and their eyes move. They may move around the sides or up and down. They may laugh, scream, or cry during the REM sleep. Also, their facial muscles, hands, and legs move, due to which they may wake up. So wrapping a baby in swaddling(裹紧的) clothes can keep the baby's body from moving and help them sleep better. As babies grow, their body movement decreases when dreaming.

    Studies say that the brain activity associated with dreaming is essential for the babies' mental development. During the REM stage, the flow of blood to the brain increases. As a result, certain nerve proteins are produced, which are the building units of the brain. Babies get stimulation from what they see, hear, or feel. The brain processes the information acquired while awake, and stores what is essential to the individual. A study concludes that babies learned while they were dreaming.

    What's the time for babies to start dreaming? Researchers say that before birth, babies start experiencing REM sleep around week 25, and so they may start dreaming at the point. On the contrary, some psychologists believe that children start having dreams when they are about 5 years old. At that age, they start becoming aware of themselves and begin to understand the things around them, which is what dreams are actually made of.