The First Rule of Finance is to live within your means by spending no more than 80% of your take-home pay．If you take home $ 100 per week, spend no more than $80．

    But ever look at what people spend their money on? I have relatives and friends deeply in debt, spending $ 12 for every $ 10 they earn instead of the $ 8 you know they should be spending．When I see them, they're proud of their new whatever．"What do you think of my new truck?" asked one from the driver's seat．"Do you like my new shoes?" asked another on high heels．"Check out my new big screen．" said a third while holding the remote in his living room．We've all heard people fishing for compliments on their new toys ．

    Every one of them was proud of what they'd financed．They seem to have bought it for the purpose of being proud, of showing off, of keeping up with the Joneses．"Look at my new …?"is everybody's favorite phrase, even when the object in question isn't theirs at all and won't be new when they've finally paid for it, if they ever do．

    They're proud of being stupid．They think it's cool to drive the financed car, wear the financed shoes, and watch the financed TV, but to smart people, whose opinions are the only ones we should respect, these people look dumb as rocks．

    The Joneses, nine times out of 10, are financially stupid．That's why they have all that stuff on borrowed money．Why try to copy them? Worse, why try to impress them? Copy and impress smart people, the ones who own their stuff．If you want to impress smart people, debt is the last way to go about it．Trying to impress a money-smart person by going into debt is like trying to impress Olympic swimming champion Michael Phelps by drowning in a pool．Michael Phelps is impressed by good swimming and a money-smart person by good money management．

    Have you ever been to Taiwan, China's biggest island? Do you want to pay a visit there? We'll show you the best of Taiwan is land.

    Scientists have found an unexpected use for virtual reality headsets (耳机). The devices (装置), widely used by computer gamers, show pictures that can be used to test the navigational (导航的) skills of people, who were thought to be at risk of dementia (痴呆). Those who do worse in the tests will be the ones more likely to develop Alzheimer's disease later in life, scientists now believe.

    The discovery that the loss of navigational skills was associated with Alzheimer's was made several years ago by Dennis Chan and his colleagues based at several centers in the UK. These studies used computers to test navigational tasks. But now scientists plan to take their tests to a new level with the use of the virtual reality headsets in which wearers are placed in man-made environments through which they must navigate.

    Around 300 people, aged between 40 and 60, will be arranged to participate in the study. Some will have a gene that puts them at risk of the condition or will come from a family with a history of Alzheimer's. Not all will certainly be affected by the disease, however. Chan's project aims to find out who will. Wearing the headsets, participants will be asked to navigate their way through a series of different environments and then remember the details.

    Researchers recently pointed out the significance of a tiny area of the brain known as the entorhinal cortex (an important memory center in the brain). It acts as a center in a widespread brain network that controls navigation. This now appears to be the first part of the brain that seems to be easily harmed by Alzheimer's.

    The goal of the work is to help people as they develop the disease. "So far, drug trials for Alzheimer's have been applied when people have already got dementia, by which time considerable damage to the brain has already occurred," Chan told the Obsenver. "If we can develop drugs and use them earlier, for example, before the disease has spread beyong the entorhinal cortex, then this would have the potential to prevent the dementia."

    The earliest known copy of Leonardo da Vinci's Mona Lisa—thought to have been painted at the same time as the original masterpiece—has been discovered at the Prado Museum in Madrid, Spain. The work offers art-lovers an attractive clue to what the model for the world's most famous painting really looked like. Controllers of the museum found the picture hidden beneath layers of paints during restoration work on a picture initially thought to have been a later replica(exact copy) of the Mona Lisa.

    The restored version shows the same woman that Leonardo depicted (描画), against a landscape similar to that shown in the background of the original, which now hangs in the Louvre in Paris. And while the features of Leonardo's Mona Lisa have been dulled by centuries of dirt and layers of cracked paints—which are unlikely ever to be removed—in the recently-rediscovered copy, she appears fresher-faced and younger than her better-known "twin".

    News of the find was revealed at a meeting at London's National Gallery, linked to its "Leonardo da Vinci: Painter at the Court of Milan" exhibition. "This sensational (轰动的) find will transform our understanding of the world's most famous picture," the Art Newspaper reported, adding that the clues found on the Madrid version suggest that the original and the copy were begun at the same time and painted next to each other, as the work went on.

    Miguel Falomir, manager of Italian painting at the Prado, told reporters that expert analysis suggested a strong link between Leonardo and the artist who painted the copy. "The painting was done in the painter's own workshop," he said. "It is absolutely consistent with Leonardo's work, but Leonardo didn't actually do any work on it himself."

    Here are some events in the following months. Have a look and pick out your favorite.

    AVCS Informational Tour

    Aliso Viejo Christian School, a highly rated private school, which serves children in grades, invites potential families to its annual AVCS informational tour. Come and see its facility, meet its staff, check out its curriculum and amazing programs. The tour would love to share the school with you and answer any questions.

    Location: AVCS Campus

    German Immigrants Exhibition

    German immigrants played a huge role in shaping Indianapolis through the 19th century. They brought educational reform, political activity and greenhouse farming. In addition to produce, these immigrants also kept their communities full of flowers and trees, know about this part of history in October.

    Location: Indiana Historical Society

    Whale Watching

    Gray whales migrate (迁徙) annually along the west coast of North America. They can be seen from the Orange County coast from December through early April. Summer and fall bring the giant blue whales. They can be seen from June through September. Since the gray whales migrate just a few miles off the coast, simple sail from Newport Beach enables you to see these spectacular creatures in their natural habitat.

    Location: Newport Beach

    Sunday Brunch(早午餐)

    Sunday brunch is a wonderful way to enjoy your weekend. At View Restaurant, Sunday brunch is always accompanied by champagne, spectacular views and unique atmosphere. The menu includes traditional breakfast foods and lunch favorites like barbeque and fresh fish selections. You can also choose to view sporting events in the restaurant. With enough variety to satisfy every appetite from kids to adults, this is one Sunday brunch you'll keep coming back to!

    Location: View Restaurant

Kajal moved to the United States in February 2017. Having previously volunteered for two years as an assistant yoga teacher in her home country, Kajal was enthusiastic about volunteering and began looking for volunteer opportunities that match her interests on VolunteerMatch. "I enjoy volunteering and it's a way to make an impact in my new community," says Kajal.

Kajal was drawn to a volunteer opportunity with the Meridian International Center to review applications on behalf of the Young Leaders of the Americas Initiative (YLAI). Kajal had previous experience, and the position also afforded her the opportunity to work remotely. After connecting with the opportunity on VolunteerMatch and successfully completing the application process, Kajal got to work. Her role involved reviewing applications from potential candidates for a four-week fellowship in the U.S. She was responsible for describing the business ideas presented by these candidates, assessing the social impact of their businesses, and determining the strength of candidates to carry out their plans.

With almost 4,000 applicants in 2017, Meridian International Center considers volunteers like Kajal to be integral (必要的) members of the team. With help from volunteers, 250 candidates have now been selected to take part in the program and will travel to the U.S. this fall.

Kajal says that this volunteer opportunity super-charged her existing skills, while helping her build new ones such as time management, business analysis, decision-making, planning, and presenting.

She is now looking for her next volunteer opportunity and reflects positively on her experience with Meridian International Center, "A new country brings in a lot of new experiences and volunteering helped me to settle into a new environment," adds Kajal. "By helping others, I felt needed in society. Not only did it improve my self-esteem (自尊), other people benefited too. Volunteering is a great opportunity to improve yourself, others, and the whole society".