Banks view online banking as a powerful “value-added” tool to attractand keep new customers while helping to eliminate costly paper handling or teller（出纳员）interactions in an increasingly competitive banking environment.

    Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click”banks, both to tell them from “brick-to-mortar” banks that haven't yet offered online banking, as well as from “virtual”（虚拟）banks that have no physical branches or tellers whatsoever.

    The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. Most of the large banks can now offer fully safe , fully functional（功能的）online banking for free or for a small cost. As more banks succeed online and more customers use their sites, fully functional online banking will likely become as common place as automated teller machines (ATM).

    Online banking has a lot of advantages. Unlike your corner bank, online banking sitesnever close; they're at hand 24 hours a day, seven days a week and they're amouse click away. If you're out of state or even out of the country when a money problem appears, you can log on instantly to your online bank and take care of business. Online bank sites generally carry out and confirm deals at or quicker than ATM processing speeds. Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively.

    Writing journals has been one of the most helpful things I've ever done. Through writing journals I've not only learned a lot about myself, but also removed a lot of obsessive (烦恼的) thoughts, by writing them down and considering them.

   Journals give you a place to write down your honest thoughts without being afraid of what people will think of you. There are some ideas for writing journals:

     Draw pictures

    Write poetry or short stories

    Goals: daily and long-term

    Respond to a magazine article that you are interested in

     Write about obsessive thoughts and try to find what's causing them

     A list of things you are proud of (It can always increase your confidence when you need it)

     Make a pro/con (赞成/反对) list when you're trying to make a decision: most of the time the decision will start to be clearer afterwards

   The best way to start is to decide where you want to write your journal. (Though it's called the journal, it doesn't mean you can only do it in a “journal”) . If you like the traditional style of journals, then use a notebook, blank paper or graph paper, whichever you like best. If you prefer to go digital, start a blog. You can make the blog public or private, and it's a good way to keep track of articles or pictures you find online. (You can link to them.)

   Even if you feel there's nothing for you to write about at first, you might be surprised to find that once you start, you can't stop.

    A person's nose is important for breathing and smelling. The nose is also used in many popular expressions. Some people are able to "lead other people by the nose". For example, if a wife "leads her husband by the nose", she makes him do whatever she wants him to do. Some people are said to be "hard-nosed". They will not change their opinions or positions on anything. If someone is "hard-nosed", chances are that he will never "pay through the nose", or pay too much money, for an object or service.

    It is always helpful when people "keep their noses out of other people's business"—they do not interfere. The opposite of this is someone who "noses around all the time". This kind of person is interested in other people's private matters. He is considered "nosey". Someone who "keeps his nose to the grindstone "works very hard. This can help a worker "keep his nose clean" or stay out of trouble.

    One unusual expression is "it is no skin off my nose". This means that a situation does not affect or concern me. We also say that sometimes a person "cuts off his nose to spite his face". That is, he makes a situation worse for himself by doing something foolish because he is angry. More problems can develop if a person "looks down his nose" at someone or something. The person acts like something is unimportant or worthless. This person might also "turn his nose up" at something that he considers not good enough. This person thinks he is better than everyone else. He is "with his nose in the air".

    In school, some students "thumb their noses" at their teacher—they refuse to obey orders or do any work. Maybe these students do not know the correct answers. My mother always told me, if you study hard, the answers should be "right under your nose" or easily seen.

    You are given many opportunities in life to choose to be a victim or creator. When you choose to be a victim, the world is a cold and difficult place. “They” did things to you which caused all of your pain and suffering. “They” are wrong and bad, and life is terrible as long as “they” are around. Or you may blame yourself for all your problems, thus internalizing(内化)your victimization. The truth is, your life is likely to stay that way as long as you feel a need to blame yourself or others.

    Those who choose to be creators look at life quite differently. They know there are individuals who might like to control their lives, but they don't let this get in the way. They know they have their weaknesses, yet they don't blame themselves when they fail. Whatever happens, they have choice in the matter. They believe their dance with each sacred moment of life is a gift and that storms are a natural part of life which can bring the rain needed for emotional and spiritual growth.

Victims and creators live in the same physical world and deal with many of the same physical realities, yet their experience of life is worlds apart. Victims relish (沉溺)in anger, guilt, and other emotions that cause others—and even themselves—to feel like victims, too. Creators consciously choose love, inspiration, and other qualities which inspire not only themselves, but all around them. Both victims and creators always have choice to determine the direction of their lives.

    In reality, all of us play the victim or the creator at various points in our lives. One person, on losing a job or a special relationship, may feel as if it is the end of the world and sink into terrible suffering for months, years, or even a lifetime. Another with the same experience may choose to first experience the grief, then accept the loss and soon move on to be a powerful creative force in his life.

    In every moment and every circumstance, you can choose to have a fuller, richer life by setting a clear intention to transform the victim within, and by inviting into your life the powerful creator that you are.

    Outside, it's a cold winter's day. Inside a large shopping center, people are hanging around. But then, without warning, a pop song starts to play loudly. A teenager boy walks lazily to the center of the open space, and dances crazily to the music. He's joined by two of his friends, then some of the old people. Within the space of a few seconds, more than sixty people are dancing to the music - all in time and all in step. At first, onlookers are baffled, then they start smiling and clapping. They now know what they're seeing: a flash mob （快闪）.

    According to Wikipedia, the term "flash mob" was created by Bill Wasik, an editor at Harper's Magazine, in 2003. Within a year, the phrase had entered the Concise Oxford English Dictionary. Since then, hundreds - possibly thousands - of flash mobs have been carried out around the world, in almost every kind of public space imaginable!

    Each flash mob has its own style, but most flash mobs follow a similar formula （方案）. Often, the organizers search for willing participants using social media. Instructions and dance moves are given through email or video download. There are usually several rehearsals （排练） before the big day.

    While it's happening, a few lucky passers-by watch it live. Most people who watch it, however, will see it later online. Some of the most popular flash mobs on YouTube have been watched more than 10million times. A famous example is MP3Experiment Eight, a flash mob that took place in New York City in July 2011 with over 3,500 participants. This event differed from normal flash mobs in that much of it was completely silent - and there were no rehearsals.

    Flash mobs provide the participants, onlookers and online viewers with a lot of enjoyment and pleasure. For this reason alone, they're a modern, popular art form that should be celebrated.

    In beautiful rural Montana lies the town of Livingston. Around half the students in the Livingston School District qualify for free or reduced-price lunches, according to local educator Rachael Jones, known as "Farmer Jones". She is the director of the Livingston Farm to School program, which uses the district's two greenhouses and four gardens to grow food that supplements school meals while offering kids hands-on lessons. Jones said, "In many places around the country, if you can't pay for your school meal, you don't eat. Well, here, we don't turn anyone away."

    The town's school district and community members started the program eight years ago. It's part of the National Farm to School Network, which aims to increase access to local food and nutrition education across the country. Jones, who attended public school in Livingston as a kid, has headed up the local program since 2014. Farm to School enriches curriculums in all of the schools through garden lessons, cafeteria and kitchen lessons, and classroom lessons.

    Research has shown that healthy school meals can enhance academic performance, including improved test scores. Though the Farm to School program is not aimed solely at lower-income students, Jones said, "Such kids are more likely to eat lunch provided by the school. Eventually she wants to get healthy, affordable meals on the plate of every child in Livingston.

    It is important for kids to understand where their food comes from. That's a life changing experience for them. Jones said," When I grew up a big force in my life was my grandma Ethel. She taught me from a really early age the value of growing my own food. I worked in her gardens with her and somehow, through all of those experiences —eating her tomatoes and canning pickles with her —it really built up my trust and knowledge in food systems. I'm so thankful for her!"