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!

Improve your memory

    Some people often complain about their poor memory. Actually there are several ways to keep your memory sharp. This article will show you some simple tips.

    {#blank#}1{#/blank#}When you say these things, you begin to plant the thought in your mind and it may become true. Tell yourself you can remember anything as long as you put your mind to the task. You  will see an improvement in your memory.

    {#blank#}2{#/blank#}If you have trouble remembering phone numbers or other blocks of numbers, it can be really helpful to try this method. If you remember them in smaller groups, like two or three digits (数字), it will also be much easier to remember the numbers.

    Be sure to see a doctor if you are really losing your memory. A poor memory can be a sign that you are in low spirits.{#blank#}3{#/blank#}

    Playing games also helps improve your memory. Any type of games that involves(涉及) remembering things is wonderful.{#blank#}4{#/blank#}Try and remember it when you have nothing better to do. A useful tip for anyone interested in games is to often work on solving word puzzles and similar types of games.{#blank#}5{#/blank#}

    Not only will your memory probably improve, but you will also have a great deal of fun.

A. Remember numbers in small groups.

B. Stop telling yourself you have a weak memory.

C. Take a right attitude.

D. If you don't like games, you can go over a list of "to do things".

E. If so, treating it could be the key to getting your memory back.

F. If you don't know your condition, you cannot treat it!

G. Such games use the same skills needed to remember facts and help keep the mind sharp.

    Computer technology is still developing rapidly. The computer of the future will continue to increase in value and performance while decreasing in cost. It will become smaller, but faster and more powerful.

    It is possible to make some guesses about what the future of the computer will look like, based upon the types of technologies that are being developed now. A lot of progress has already been made in some of these new technologies, but some are still in their earliest stages and may not be ready for use for years. Two of the most interesting areas of computing that are currently being developed are quantum computing (量子计算) and nanotechnology (纳米技术).

    Quantum computing is one possibility for the future of the computer that could make computers run far faster than even the quickest computers do today. Quantum computers could be able to do what modern supercomputers are unable to do by using transistors that are able to take on many states at the same time.

    Nanotechnology could also change the face of computing, by creating computers that could be very powerful, though they are tiny in size. These computers could be incorporated (并入) into everyday objects, including electrical appliances (电器), clothes and even the human body. We will be able to use computers in new and unimaginable ways. They will become a part of our lives rather than simply being a box that is used only for specific purposes, such as work.

    Quantum computing and nanotechnology will be able to play new roles, which will make us live greener lives, as well as enjoy better health and happier lives.

    In the United States, when one becomes rich, he wants people to know it. And even if he does not become very rich, he wants people to think that he is. That is what “keeping up with the Joneses” is about. It is the story of someone who tried to look as rich as his neighbors.

    The expression was first used in 1913 by a young American called Arthur Momand. He told this story about himself. He began earning $ 125 a week at the age of 23. That was a lot of money in those days. He got married and moved with his wife to a very wealthy neighborhood outside New York City. When he saw that rich people rode horses, Momand went horseback riding every day. When he saw that rich people had servants, Momand and his wife also hired a servant and gave big parties for their new neighbors.

    It was like a race, but one could never finish his race because one was always trying to keep up. The race ended for Momand and his wife when they could no longer pay for their new way of life. They moved back to an apartment in New York City.

    Momand looked around him and noticed that many people do things just to keep up with rich lifestyle of their neighbors. He saw the funny side of it and started to write a series of short stories. He called it “Keeping up with the Joneses” because “Jones” is a very common name in the United States. “Keeping up with the Joneses” came to mean keeping up with rich lifestyle of the people around you. Momand's series appeared in different newspapers across the country for over 28 years.

    People never seem to get tired of keeping up with the Joneses. And there are “Joneses” in every city of the world. But one must get tired of trying to keep up with the Joneses because no matter what one does, Mr. Jones always seems to be ahead.

    Electric devices can seem like a “third party” in some relationships because some partners spent more time on them than with each other.

    When Amanda Gao, a 26-year-old white collar worker in Beijing, went to a hotpot restaurant with her boyfriend on Friday night several weeks ago, she expected that they would have a good time together. To her disappointment, however, it did not turn out that later. As soon as they were led to their seats and she began to order dishes, he buried himself in his mobile phone.

    “It seemed that his phone was making its way between us. A date that should have belonged to us turned into one where my boyfriend dated a third party and I felt left out.” Gao said. Some people, like her, have found electronics have been sabotaging(破坏) their romantic relationships.

    A study, published in the journal Psychology of Popular Media Culture, in April, 2017, questioned nearly 200 college aged adults who were in committed(真诚的) relationships to report on their and their partner's smartphone dependency. The results showed people who were more dependent on their phones were less sure about their relationships, and people considered their partners excessively(过度地) dependent on their devices were less satisfied in their relationship.

    Lin Yuan, a relationship advisor in Beijing, noted that as more and more electronics come out and spice up people's lives, they are at the same time becoming a third party in relationships, especially for young people.

    Lin said she knew of some people who suggest that electronics should be kept out of bedrooms, which she considered challenging and hard to be put into practice for most couples. She recommended that if people are feeling neglected in their relationship, they need to respectfully let their partners know their feeling. “Communication is always the best and the most efficient way.” she said.

    Next month, I'm traveling to a remote area of Central Africa and my aim is to know enough Lingala — one of the local languages — to have a conversation. I wasn't sure how I was going to manage this — until I discovered a way to learn all the vocabulary I'm going to need. Thanks to Memrise, the app I'm using. It feels just like a game.

    "People often stop learning things because they feel they're not making progress or because it all feels like too much hard work," says Ed Cooke, one of the people who created Memrise. "We're trying to create a form of learning experience that is fun and is something you'd want to do instead of watching TV."

    Memrise gives you a few new words to learn and these are "seeds" which you plant in your "greenhouse". When you practice the words, you "water your plants". When the app believes that you have really remembered a word, it moves the word to your "garden". And if you forget to log on (登录)，the app sends you emails that remind you to "water your plants".

    The app uses two principles about learning. The first is that people remember things better when they link them to a picture in their mind. Memrise translates words into your own language, but it also encourages you to use "mems". For example, I memorized motele, the Lingala word for "engine", using a mem I created — I imagined an old engine in a motel (汽车旅馆) room.

    The second principle is that we need to stop after studying words and then repeat them again later, leaving time between study sessions. Memrise helps you with this, because it's the kind of app you only use for five or ten minutes a day.

    I've learnt hundreds of Lingala words with Memrise. I know this won't make me a fluent speaker, but I hope I'll be able to do more than just smile when I meet people in Congo. Now, I need to go and water my Vocabulary!