April is Financial Literacy Month，when Americans of all ages are encouraged to learn how to be smart about money.And this year，fifth­grade Rachel Kelly from Naperville，Illinois，is already at the head of her class.Kelly,11, won a nationwide contest called the Stock Market Game.

    Students who take part in the Stock Market Game，run by the SIFMA Foundation，a financial­education organization，pretend to buy stocks (股票) worth $100,000.Then they have to read financial news over several days to see if their investments would have gained money or lost money and write an article explaining their choices.

    “I  wanted  to  choose  a  company  that was well­known，” writes Kelly.“I thought about products that I see every day，so cars came to my mind.” Kelly picked the Japanese car company Honda Motors.“Honda Motor Company is the No.1 producer of motorcycles in the world and the fifth­largest producer of automobiles behind Toyota，Volkswagen，General Motors and Hyundai，” says Kelly.

    Honda makes many different kinds of cars，which Kelly thinks makes the company a safe investment.She explains that even if the cost of gas goes up，Honda has a good chance of staying in business because of the company's fuel­efficient cars，which run on less gas than most cars made today.

    “If one of their departments is not doing so well，it won't affect the overall company sales，” she writes.

    Because the stock Kelly picked performed well and her article was persuasive，Kelly won this year's contest.About 600,000 students from 4th to 12th grade competed.

    Founded in 1764 by French traders, St. Louis today is the fifteenth largest urban area in the United States. There are many attractive destinations for tourists.

American Kennel Club Museum of the Dog

    Dog lovers who visit St. Louis won't want to miss this 14,000-square-foot museum. Inside are over 500 paintings, prints, watercolors, and a variety of other dog art objects.

    The Museum is open year round, Tuesday through Saturday 10 AM to 4 PM, and Sunday 1 PM to 5 PM. Admission is $ 5 for adults, $ 2.50 for seniors, and $1 for children up to 14.

Anheuser Busch Brewery

    The Anheuser Buxch Brewery tour is not just for beer lovers. The tour includes the historic Brew House. Then the tour continues to the modern Bevo Packaging Plant. The best will be the Budweiser Clydesdale stables. The tours are always free.

Gateway Arch

    Designed by Eero Sarinen and Hannskari Bandel, it took over two years and 900 tons of stainless steel to build. It is the tallest of the country's National Monuments. The Arch is part of the Jefferson National Expansion Memorial. About one milion people per year come to the top of the Arch, where there is an observation platform providing a great view of the city.

St. Louis Zoo

    First version of the St. Louis Zoo opened in 1904 at the St. Louis World's Fair, but in the century since it has grown into one of the chief zoos in the world. The passenger train takes visitors around the Zoo, which contains over 9,000 animals of over 800 species.

    The Zoo is open every day but Christmas and New Year, with summer hours of 8 AM to 7 PM, and hours the rest of the year of 9 AM to 5 PM. Admission to the Zoo is free.

    A group of graduates, successful in their careers, got together to visit their old university professor. Conversation soon turned into complaints about stress in work and life.

Before offering his guests coffee, the professor went to the kitchen and returned with a large pot of coffee and a variety of cups—porcelain, plastic, glass, crystal, some plain looking and cheap, some exquisite and expensive—telling them to help themselves to the coffee.

    When all the students had a cup of coffee in hand, the professor said: "If you noticed, all the nice looking expensive cups were taken up, leaving behind the plain and cheap ones. While it is normal for you to want only the best for yourselves, that is the source of your problems and stress. Be assured that the cup itself adds no quality to the coffee. In most cases it is just more expensive and in some cases even hides what we drink. What all of you really wanted was coffee, not the cup, but you consciously went for the best cups. And then you began eyeing each other's cups.

    Now consider this: Life is the coffee; the jobs, money and position in society are the cups. They are just tools to hold and contain life, and the type of cup we have does not define, nor change the quality of life we live. Sometimes, by concentrating only on the cup, we fail to enjoy the coffee God has provided us."

    God brews the coffee, not the cups. Enjoy your coffee!

    "The happiest people don't have the best of everything. They just make the most of everything."

    Live simply. Love generously. Care deeply. Speak kindly. Leave the rest to God.

    My first introduction to Chinese art was an early morning walk in Beihai Park in Beijing. There, I saw elderly people writing on the pavement with paintbrushes which were a metre long! I soon learned that they were doing water calligraphy − writing in water. The words have meanings, but they are also art. The calligraphy quickly disappears, of course. But tomorrow, the old people will be back.

    Temporary art like this is very popular in China. Every winter, Harbin, in northern China, is visited by sculptors and tourists from around the world. They come for the Harbin Ice Festival, when the city has huge sculptures made out of ice. The sculptures are bigger than houses, and they take weeks to make. Harbin's freezing winter temperatures make it very difficult for the artists to work outside. But the weather also means that the sculptures will be protected until the spring.

    Of course, not all Chinese art is temporary − some of it has been around for a very long time! Near the city of Xi'an, I visited the amazing terracotta warriors, or soldiers. In 200 BC, 8,000 statues of soldiers were made by sculptors out of a material called terracotta. They are as big as real people and they all have different faces. An important king had the statues produced to protect his body after he died. They stayed under the ground with the dead king for over 2,000 years, until they were discovered by a farmer in 1974.

    At the China Art Museum, in Shanghai, I saw wonderful 16th-century Chinese paintings of tall mountains, trees and cliffs. The paintings were beautiful, but they didn't look very realistic to me at the time. 'Mountains aren't like that,' I thought. But that was before the last stop on my trip: the mountains of Zhangjiajie National Park.

    These mountains were used by film director James Cameron in his sci-fi film Avatar because they look like something from another planet. On my last weekend in China, I took a cable car up into the mountains there. Trees grew on the sides of hundred-metre cliffs, and strange towers of rock appeared out of the morning fog. It looked just like the pictures in the China Art Museum. For a moment, I felt like I was inside a Chinese painting!

    Some spiders hunt on the ground, others build webs to trap their food, but the grass water spider catches its prey by running along the surface of the water.

    This special water spider lives on the grassy banks of streams where mosquitoes, damsel flies and other insects come to feed and breed.

    Although it is one of the largest spiders in New Zealand, it has an unusual ability. It doesn't disturb the water as it waits for its meal, and there is barely a ripple(波纹) when it skims(掠过) across the surface at lightning speed to catch its prey.

    Grass water spiders deal swiftly with larger insects like damsel flies by pulling their heads under the water and holding them there until they drown.

    After a meal, the grass water spider spends up to half an hour grooming(修饰) itself. It wipes its eight eyes, brushes its antennae(触角), and takes special care to clean the hairs on its body.

    It is the hairs that trap tiny bubbles(泡沫) of air so that the spider can run down a blade(叶片) of grass and stay underwater for up to an hour when it is frightened. The hairs also keep the spider dry, even underwater.

    It is only when the female spider is caring for the young that she does not hunt on the water. After mating, she produces a large egg sac(囊), which she carries around for five weeks. Once the eggs start to hatch, she attaches the sac to some blades of grass or a thistle. She then tears the sac open and releases the tiny spiders into the nursery web.

    Right in front of the Minneapolis Central Library, a row of green hikes sits parked in a special stand. Each hike is designed with the logo "Nice Ride" the name of the city's bike-share program.

    Nice Ride bikes are a lot like the library books that people come here to borrow. To rent a bike, you simply use your membership card at a Nice Ride bike station. Members can rent one of 1, 200 bikes from 138 stations throughout Minnesota's largest city. People use the Nice Ridebikes to go to work, to go out on business, or just to enjoy the city's many bike paths.

    The rise of bike-share programs like Nice Ride is encouraging more people than ever to choose biking over driving. Skyrocketing gas prices and concerns about the environment have also gotten people to dust off their bike helmets, pump air into flat tires, and hit the road.

    Why ride? Not only is biking good exercise, but switching from a car to a bike also reduces the amount of pollution in the air. Carbon dioxide, a greenhouse gas linked to climate change, is one of the many polluting substances that come out of a car's tailpipe.

    Bike-share systems are found around the world in cities like London, Paris, Barcelona, and Melbourne, Australia. The largest program—with 70, 000 bikes—is in Wuhan, China.

    To make roads friendlier to non-motorists, the U. S. Department of Transportation has invested more than a billion dollars in cycling and pedestrian projects in recent years. The money went toward building thousands of miles of on-street bike lanes and bike-and pedestrian-only passages called greenways.