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STANFORD UNIVERSITY

    Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?

    As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it's not easy to change later in life.

    Financial (金融) experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money.

    According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.

The ant—works first

    Just like ants who work heart and soul in summer in order to store food for winter, these people don't care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest(投资) in some funds and stocks with low risk.

The cricket—fun first

    The cricket wants to enjoy everything now and doesn't think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance(保险).

The snail—lives under pressure(压力)

    The snail refers to people who make life difficult for themselves. They take big long-term loans (贷款)from the bank in order to buy things such as luxury(奢华的) houses. They are happy to take big loans even though they are not sure they can afford it. This can cause problems in the future. They should plan more carefully.

    An Indian movie about two sisters has become a huge hit in China. The Hindi language film, called Dangal, has earned almost $ 170 million in China since its release there on May 5.

    Much has been written about why Dangal has enjoyed such big success in China. Some people say one reason is that the film's star and producer, Aamir Khan. He is famous in India's Bollywood film industry. Two of his earlier films were also big hits in China.

    Khan's popularity was clear after he got more than 600,000 followers on the Chinese social media service Sina Weibo within two months of joining. But he is not the only reason that the film strongly connects with audience across China. Media has pointed out how it shows similarities between parental systems in China and India.

    Dangal is based on the true story of a man who enjoyed the sport of wrestling (摔跤). He competed as a wrestler, but never could achieve his lifelong dream: winning a gold medal. As a father, he wanted his son to win the medal. But his wife only gives birth to daughters. So he finally decides to train them to be world-class wrestlers.

    The movie is more serious than most Bollywood productions, which tell happy love stories and include colorful music and dance performances.

    Edward Chan is a professor at the Hong Kong Polytechnic University. He says the strict way of parenting in the film is something people in China can easily relate to. “I think the father role described by the movie in India is quite similar to the culture, especially the traditional culture in China.”

    The Chinese government-supported Global Times newspaper pointed that movie critics (评论家) in China did not like Dangal. Most of them agree with the fact that the father in the film was forceful in pushing his daughters to become wrestlers. But the film Dangal is really aimed to educate children to work for their dreams.

                                                      Four Wild Animal Species Were Endangered

    Maybe you can still see them at the zoo. But that doesn't mean they're doing alright in the wild.

    Tigers

    All six tiger species are endangered, with Suatran tigers and South China tigers at a seriously endangered status. The main reasons for their population decline are illegal hunting and destroyed habitats, as humans clear forests to gather timber and build roadways. Only about 3890 tigers presently live in the wild.

    Ground squirrels

    That's right, even squirrels are endangered, specifically the San Joaquin ground squirrel. Native to California, USA, these guys have been disappearing since 1979 on account of the construction and human developments going through their habitat. Their total population is unknown, but it could be anywhere between 124000 and 4130000.

    Giraffes

    The International Union for the Conservation of Nature recently put giraffes at a vulnerable status, the level just before endangered. The giraffe population has declined 40 percent in the last 30 years, primarily due to loss of habitat and illegal hunting. Some giraffes are killed just for their tails, which are considered status symbols in Africa.

    Asian elephants

    The main threat to Asian elephants, one of the most intelligent animals, is their shrinking habitat. As the human population grows, people invade their land to build roads and railway tracks. Elephants in Myanmar are at an especially high risk for being captured and traded or used illegally in the tourist industry. Fewer than 50000 are left on the entire continent.

    Have you ever looked out of the window of a passenger plane from 30,000 feet at the vast expanses of empty ocean and uninhabited land, and wondered how people can have any major effect on the Earth? I have. It is now becoming pretty clear that we are causing a great deal of damage to the natural environment. And the planes which rush us in comfort to destinations around the globe, contribute to one of the biggest environmental problems that we face today— global warming.

    As usual, people in the developing world are having to deal with problems created mainly by those of us in developed countries. Beatrice Schell, a spokeswoman for the European Federation for Transport and Environment says that, "One person flying in an airplane for one hour is responsible for the same greenhouse gas emissions（排放）as a typical Bangladeshi in a whole year." And every year jet aircraft produce almost as much carbon dioxide as the entire African continent does.

    There is a way of offsetting(抵消) the carbon dioxide we produce when we travel by plane. A company called Future Forests offers a service which can relieve the guilty consciences of air travelers. The Future Forest website calculates the amount of CO₂ you are responsible for producing on your flight, and for a small fee will plant a number of trees which will absorb this CO₂.

    Yesterday I returned to Japan from England, and was happy to pay Future Forests 25 pounds to plant the 3 trees which balance my share of the CO₂ produced by my return flight. Now the only thing making me lose sleep is jet lag.

    Steven Stein likes to follow garbage trucks. His strange habit makes sense when you consider that he's an environmental scientist who studies how to reduce litter, including things that fall off garbage trucks as they drive down the road. What is even more interesting is that one of Stein's jobs is defending an industry behind the plastic shopping bags.

    Americans use more than 100 billion thin film plastic bags every year. So many end up in tree branches or along highways that a growing number of cities do not allow them at checkouts(收银台). The bags are prohibited in some 90 cities in California, including Los Angeles. Eyeing these headwinds, plastic-bag makers are hiring scientists like Stein to make the case that their products are not as bad for the planet as most people assume.

    Among the bag makers' argument: many cities with bans still allow shoppers to purchase paper bags, which are easily recycled but require more energy to produce and transport. And while plastic bags may be ugly to look at, they represent a small percentage of all garbage on the ground today

    The industry has also taken aim at the product that has appeared as its replacement: reusable shopping bags. The stronger a reusable bag is, the longer its life and the more plastic-bag use it cancels out. However, longer-lasting reusable bags often require more energy to make. One study found that a cotton bag must be used at least 131 times to be better for the planet than plastic.

    Environmentalists don't dispute(质疑) these points. They hope paper bags will be banned someday too and want shoppers to use the same reusable bags for years.