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．

    The holidays are a time to give. These organizations are looking for volunteers and donations (捐赠). Read on to learn more about them. Then, find out how you can help.

    American Red Cross

    This holiday season, your donation can make a difference at home and abroad. The American Red Cross is making it easy to help people who have experienced natural disasters (灾害), members of the U.S. armed forces, and children all over the world. With just one click (点击), you can give the gift of caring.

    National Military Family Association

    Each year hundreds of Americans serve both at home and abroad to keep our country safe. This holiday season, we can help serve them. Through donations, National Military Family Association helps to provide military members and their families with scholarships, family retreats, camp programs for kids, and more.

    Network for Good

    This website allows its users to donate to organizations and discover volunteer chances. After natural disasters, the Network for Good provides a system of help and support for those in need. The website also offers tips to kids who want to give. Visit the website to find out how you can help make someone's holiday season shine bright.

    Make-A-Wish Foundation

    Sometimes all it takes is one wish made come true to make someone smile. The work of Make-A-Wish Foundation is to make the wishes come true. Through support and donations, the foundation has made dreams come true for hundreds of thousands of children with serious illnesses.

    If you want to help others, don't wait for a better time. Help now! Your help will be valued highly.

    A small robot may help children who are recovering from long-term illnesses in the hospital or at home. These children may feel isolated from their friends and classmates. The robot takes their place at school. Through the robot, the children can hear their teachers and friends. They also can take part in class from wherever they are recovering.

    Anyone who has a long-term illness knows that recovering at home can be lonely. This can be especially true for children. They may feel left out. Now, these children may have a high-tech friend to help feel less lonely. That friend is a robot. The robot is called AV1. AV1 goes to school for a child who is homebound while recovering from a long-term illness. And the child's school friends must help. They carry the robot between classes and place the robot on the child's desk.

    A Norwegian company called No Isolation created the robot. The co-founders of No Isolation are Karen Dolva and Marius Aabel. Dolva explains how the robot AV1 works. She says, from home, the child uses an iPad or a phone to start the robot. Then they use the same device to control the robot's movements. At school, the robot becomes the eyes, ears and voice of the child.

    So, it sits at the child's desk in the classroom and the child uses an iPad or a phone to start it, control its movement with touch, and talk through it.

    The student can take part in classroom activities from wherever they are recovering — whether at home or from a hospital bed. The robot is equipped with speakers, microphones and cameras that make communication easy.

    Last year, when our three-year-old great-granddaughter Kylie was taken to see Santa Claus, she made sure to give him her wish list of toys. A week later, she ran into a different Santa in a mall. He stopped to ask what she wanted for Christmas. Kylie was surprised and let him know: "If you can't remember what I told you last week, how are you going to remember on Christmas Eve?!"

(Mary Paul, Milwaukee, Wisconsin)

    As my son Mike and I drove to the mall, we passed a Salvation Army Santa ringing his bell. "Mike," I said, "there's Santa!" He shook his head. "That's just some guy in a Santa suit," he said. It saddened me to think that maybe my son no longer believed in Santa, and we drove the rest of the way in silence. At the mall, we spotted another Santa greeting young believers. Suddenly, Mike took off toward him. Turning back to me, he shouted. "Now, there's the real Santa!"

(Michael E. Fahey, Huntley, Illinois)

    We immigrated to America from China when I was six. Because I was shy and didn't speak English, I had few friends. My days were spent at home with my brother. Sometimes we'd help our neighbor Mr. Mueller pull weeds. One Christmas Day, there was a knock at the door. Grandma opened it, and there stood a big fellow in red with a snow-white beard, laughing, "Ho, ho, ho!" He handed out presents and made us laugh. I had so much fun. It was years later when I learned that our special Santa was our neighbor Mr. Mueller.

(Joanne Tang, Litchfield Park, Arizona)

    The Japanese have always been at the forefront at deploying (利用) robots to perform jobs that are traditionally done by humans. Over the past year, humanoid robots have been seen helping customers at the Mitsubishi Bank and even filling in for human science communicators at museums. Therefore, it is not surprising to hear that the country has the worlds first hotel that is staffed almost entirely by the Androids!

    The aptly (巧妙地) named Henn-na ("strange" in Japanese) Hotel which opened its doors on July 17 is located at Nagasaki's Huis Ten Bosch theme park. It is the idea of Hideo Sawada, a Japanese businessman who is fascinated by the possibility of replacing humans with robots. His aim is to have this futuristic hotel be run mainly by the intelligent humanoids.

    Guests checking-in are welcomed by a family friendly English-speaking robot wearing a bow tie and bell-hop (侍者) hat. Though experienced at his job, he does request guests not to ask him "a difficult question" since he is after all, "just a robot!" Those seeking a more "regular" experience, can approach the human-like Japanese-speaking robot.

    When ready, visitors can request the robot "porters" to help carry belongings to their room. Those that need to stow away valuables can hand them to a helpful robot who will place them inside an individual safe box in exchange for a small fee. A one-foot-high concierge (管理人) is available to provide information about the hotel's amenities (便利设施), nearby attractions, and even order a taxi if needed.

    So how much does it cost to live in this crazy cool hotel? It depends on when you decide to go. During the low season, guests can get away with paying as little $60 a night for a basic room. However, during the peak season when rates, are determined by an online auction, the price can get as high as $153.

    Our plan was to drive into Cambridge, catch the 7:34 train to Liverpool Street Station, then to separate and meet again for lunch. We should have arrived at Liverpool at 9:19, but due to a typical London fog, the train had to move along so slowly that it was not until 10:30 that it got there. In spite of our late arrival, Joan, my wife's sister, decided that she would go to see the Crown Jewels in the Tower of London while we went shopping. It was only after her sister had disappeared into the fog that my wife realized that we hadn't decided where we should meet for lunch. Since I had our three tickets for the concert in my pocket, this was indeed a problem. There seemed to be nothing we could do except taking a taxi to the Tower of London, and try to find her there. Needless to say, we didn't find her.

    It was now one o'clock, and the concert began at 2:30. "Perhaps she will think of waiting outside the concert hall," suggested my wife hopefully. By this time the fog was so thick that road traffic had to stop, and the only way to get there was by underground railway. Hand in hand we felt our way along the road to where we thought the nearest station should be. An hour later we were still trying to find it. Just as I was about to lose my temper completely when we met a blind man tapping his way confidently through the fog. With his help we found Tower Hill tube station just fifty yards down the road.

    By now it was far too late even to try to get to the concert hall before the performance began at 2:30, so we decided to return to Cambridge. It took seven long hours instead of the usual two to make that journey. Nor were we able to get any food and drink on the train. Tired and hungry we finally reached home at ten, opening the door to the sound of the telephone bell. It was Joan; she had seen the Crown Jewels, had managed to get another ticket for concert, and had had a wonderful dinner at a restaurant near the hotel where she decided to stay for the night. Now she was ringing to discover whether we had had an equally successful day.