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!

    Helen Thayer, one of the greatest explorers of the 20th century, loves challenges. She says, “I like to see what's on the other side of the hill.” She has gone almost everywhere to do that.

    In 1988, at the age of 50, she became the first woman to travel alone to the North Pole. She pulled her own sled (雪橇) piled with 160 pounds of supplies, and during her trip no one brought her fresh supplies. Accompanied (陪伴) only by her dog Charlie, she survived cold weather and meetings with polar bears. In fact, Charlie saved her life when one of them attacked her. Near the end of her trip, a forceful wind blew away the majority of her supplies. The last week of the trip, she survived on a handful of nuts and a little water each day.

    Helen goes to challenging places not only for adventure, but also for education. Before her Arctic journey, she started a website called Adventure Classroom. On the site, she shares her adventures in order to motivate (激发) students. She explains, “Although kids often see the world in a negative way, without hope for their future, we work to inspire them to set goals, plan for success and never give up…” Helen grew up in New Zealand. Her parents were athletes and mountain climbers. Following how parents' example, she climbed her first mountain at 9. Later, she climbed the highest mountains in North and South America, the former USSR and New Zealand.

    In 1996, she took on another challenge-the Sahara Desert. She and her husband, Bill, walked 2,400 miles across it! In 2001, she and Bill traveled on foot from west to east through the Gobi Desert in Mongolia. They hope to travel in mainland China into Sichuan and Tibet to study pandas this year.

    Helen plans to continue taking trips. She'll use her colorations, writing, photography and environmental work to create programs for her Adventure Classroom website. She wants to inspire her students never to stop facing challenges!

    When we do something, we all have our own plans. Some people are born planners. I can't claim (宣称) to be one of that kind of people. Most of the time, I try to at least expect what might go wrong. I have taken to making lists and, although I'm not yet achieving perfection, I usually manage to achieve goals. But there are times when even the best plans do not succeed. All that is left then is to smile and to make or do something using whatever is found.

Hanukkah (光明节) came early this year, perhaps too soon after Thanksgiving to allow us to prepare well. During the first night of Hanukkah, the Hanukkah candles were nowhere to be found in the entire Dallas area where we lived. Birthday candles wouldn't work! The tall long thin candle fell in small drops. "What would our ancestors do?" I thought. "What shall I do now? That's where ingenuity comes from. Don't be nervous and worried. Never let missing candles spoil a family celebration." Later what we did find was a bag of tea lights. The long, silver bread tray became the base for our tea lights. The younger ones were wide-eyed and happy as Grandpa lit the first tea light and all recited the blessing. We sat at the dining table, happy to be together and the food was plentiful.

    No matter how imperfect it is, the fact that families gather to share a special event, an event that has held meaning for so many generations of families, is the meaning itself and forms the important part of the observance (仪式). What we need to remember, and to carry with us, is the knowledge that togetherness is much better than all other concerns.

    The weather is very important to farmers. The calendar might say “August”， but the weather's more like October. For some farmers the cool weather is a good thing. For others, it's a cause for concern.

    At Apple Hill, the cooler weather was giving the Boeger Winery a chance to concentrate on bottling instead of picking. “Things were really maturing, it has just been a welcome relief to have more time to prepare.” said Greg Boeger of Boeger Winery.

    But down in the Delta, the earlier hot weather has them two weeks ahead of schedule. Their harvest actually started on Tuesday, and this cooling trend is a worry. There have been no problems yet, but for each of the last two years heavy rain right after Labor Day was a problem, one that Don Pylman would not like to see repeated.

    “If it doesn't start raining, we're in good shape，” said Pylman. “If the sun comes out and clears up we can get right back to work, but if we do get rain, the rots will start.”

    The kind of grape makes a difference as well. Thin­skinned grapes like the chardonnay variety are much more sensitive to rain than some of the others. They're also more difficult to dry off.

    So many of us hold on to little resentments that may have come from an argument, a misunderstanding, or some other painful event. Stubbornly, we wait for someone else to reach out to us—believing this is the only way we can forgive or rekindle a friendship or family relationship.

    An acquaintance of mine, whose health isn't very good, recently told me that she hadn't spoken to her son in almost three years. She said that she and her son had had a disagreement about his wife and that she wouldn't speak to him again unless he called first. When I suggested that she be the one to reach out, she resisted initially and said, "I can't do that. He's the one who should apologize." She was literally willing to die before reaching out to her only son. After a little gentle encouragement, however, she did decide to be the first one to reach out. To her amazement, her son was grateful for her willingness to call and offered an apology of his own. As is usually the case when someone takes the chance and reaches out, everyone wins.

    Whenever we hold on to our anger, we turn "small stuff" into really "big stuff" in our minds. We start to believe that our positions are more important than our happiness. They are not. If you want to be a more peaceful person you must understand that being right is almost never more important than allowing yourself to be happy. The way to be happy is to let go, and reach out. Let other people be right. This doesn't mean that you're wrong. Everything will be fine. You'll experience the peace of letting go, as well as the joy of letting others be right.

    You'll also notice that, as you reach out and let others be "right," they will become less defensive and more loving toward you. They might even reach back. But if for some reason they don't, that's okay too. You'll have the inner satisfaction of knowing that you have done your part to create a more loving world, and certainly you'll be more peaceful yourself.

    Bees in a colony work with each other to gather food, and they try to find the most nectar (花蜜)in the least amount of time possible. A small number of bees work as searchers, but when a good flower patch (花丛) is found, how do they tell other bees where to find it?

    Bees communicate flower location using special dances inside the hive, where bees live. One bee dances while the other bees watch. The dancing bee smells like the flower patch, and also gives the watching bees a taste of the nectar she has gathered. Smell and taste helps other bees find the correct flower patch. Bees use two different kinds of dances to communicate information: the waggle (摇摆) dance and the circle dance.

    Waggle dance

    The waggle dance tells the watching bees two things about a flower patch's location: the distance and the direction away from the hive.

A. Distance

    The dancing bee waggles back and forth as she moves forward in a straight line, then circlesaround to repeat the dance. The length of the middle line, called the waggle run, shows roughly how far it is to the flower patch.

B. Direction

    Bees know which way is up and which way is down inside their hive, and they use this to show direction. How? Bees dance with the waggle run at a specific angle away from straight up. Outside the hive, bees look at the position of the sun, and fly at the same angle away from the sun.

    Circle dance

    The circle dance tells the watching bees only one thing about the flower patch's location: that it is somewhere close to the hive.

    In this dance, the bee walks in a circle, turns around, then walks the same circle in the opposite direction. Sometimes, the bee includes a little waggle as she's turning around. The duration of this waggle is thought to indicate the quality of the flower patch.