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．

    Competition occurs naturally between living beings which co-exist in the same environment. In modern society there is a great deal of argument about competition. Some value it highly, believing that it is responsible for social progress and prosperity(繁荣). Others say that competition is bad ;that it sets one person against another ;that it leads to unfriendly relationship between people.

    I have taught many children who held the belief that their self worth relied on how well they performed at tennis and other skills. For them playing well and winning are often life and death affairs. In their single minded pursuit(追求)of success, the development of many other human qualities is sadly forgotten.

    However, while some seem to be lost in the desire to succeed, others take an opposite attitude. In a culture which values only the winner and pays no attention to the ordinary players, they strongly blame competition. Among the most vocal are youngsters who have suffered under competitive pressures from their parents or society.

    Teaching these young people, I often observe in them a desire to fail. They seem to seek failure by not trying to win or achieve success. By not trying, they always have an excuse :”I may have lost, but it doesn't matter because I really didn't try.” What is not usually admitted by themselves is the belief that if they had really tried and lost, that would mean a lot. Such a loss would be a measure of their worth. Clearly, this belief is the same as that of the true competitors who try to prove them-selves. Both are based on the mistaken belief that one's self respect relies on how well one performs in comparison with others. Both are afraid of not being valued. Only as this basic and often troublesome fear begins to dissolve (缓解) can we discover a new meaning in competition.

    Swiss researchers said Monday they have developed a wireless camera system to monitor vital signs in premature babies, a move that could replace uncomfortable and highly inaccurate skin sensors (传感器) which produce false alarms in up to 90 percent of cases, mainly set off by the baby's movement.

    “This is a cause of discomfort for the babies, because we have to check on them every time,” said Jean-Claude Fauchere, a doctor at University Hospital Zurich's newborn clinic.

    His hospital is preparing to begin tests of a new, contactless system created by researchers at the EPFL polytechnical university in Lausanne and at the Swiss Center for Electronics and Microtechnology.

    The system designed in Switzerland should allow premature babies kept warm in incubators (恒温箱) to be medically monitored using highly sensitive cameras that detect the newborn's pulse by analyzing its skin color, which changes so slightly every time its heart beats.

    “Breathing is monitored by measuring movements of its chest and shoulders. At night, infrared (红外线的) cameras take over, and monitoring can be carried out non-stop,” the statement said.

    The visual system was designed by CSEM researchers, who chose cameras sensitive enough to detect minute changes in skin color, while the EPFL researchers designed algorithms (运算程序) to process the data in real time.

    “We ran an early study on adults, where we looked at a specific part of skin on their foreheads,” EPFL doctoral student Sibylle Fallet said. “With our algorithms we can track this area when the person moves, and use tiny changes in their color to determine the pulse,” she said. “The tests showed that the cameras produced practically the same results as conventional sensors.”

    Once the system has been widely tested on premature babies, it could one day replace skin sensors altogether, the schools said.

    Sports shoes that work out whether their owner has done enough exercise to warrant(保证；授权)time in front of the television have been invented in the UK.

    The shoes — named Square Eyes — contain an electronic pressure sensor and a tiny computer chip to record how many steps the wearer has taken in a day. A wireless transmitter(传话器) passes the information to a receiver connected to a television, and this decides how much evening viewing time the wearer deserves, based on the day's efforts.

    The design was inspired by a desire to fight against the rapidly ballooning waistlines among British teenagers, says Gillian Swan, who developed Square Eyes as a final year design project at Brunel University in London, UK. "We looked at current issues and childhood overweight really stood out," she says. "And I wanted to deal with that with my design."

    Once a child has used up their daily allowance gained through exercise, the television automatically switches off. And further time in front of the TV can only be earned through more steps.

    Swan calculated how exercise should translate to television time using the recommended daily amounts of both. Health experts suggest that a child take 12,000 steps each day and watch no more than two hours of television. So, every 100 steps recorded by the Square Eyes shoes equals exactly one minute of TV time.

    Existing pedometers(计步器) normally clip(夹在) onto a belt or slip into a pocket and keep count of steps by measuring sudden movement. Swan says these can be easily tricked into recording steps through shaking. But her shoe has been built to be harder for lazy teenagers to cheat. "It is possible, but it would be a lot of effort," she says. "That was one of my main design considerations."

    Charity Cycling UK recently launched a campaign to raise awareness of dooring after discovering that many people don't know what it is. Dooring is when a driver or passenger opens the door into another road user—typically cyclist—without looking for other road users.

    Cycling UK chief executive Paul Tuohy told Gloucestershire Live: “Some people seem to see car dooring as a bit of a joke, but it's not and can have serious consequences. Cycling UK wants to see great awareness made about the dangers of opening your car door carelessly, and people to be encouraged to look before they open.”

    The charity says 2,009 of the 3,000 injuries were sustained by cyclists, resulting in five fatalities but says this might not be the full extent of the danger.

    Cycling UK says not all car dooring incidents will be attended by police, so the charity has written to transport minister Jesse Norman calling for a public awareness campaign urging all car occupants, not just drivers, to look before opening vehicle doors. One of the ways the charity suggests is the “Dutch reach”, where people leaving a vehicle reach over and use the non-door side hand to open the door.

    Cycling UK also suggests harsher laws and advice on safer road positioning for people who cycle.

    Mr. Tuohy said: “In the Netherlands they are known for practicing a method, known sometimes as the 'Dutch reach', which we think could be successfully encouraged in the UK.”

    “Cycling UK has written to the Department for Transport asking them to look into this, and highlight the dangers of 'car dooring' through a public awareness THINK style campaign.”

    If you're really concerned about opening a door into the path of a cyclist coming behind you, consider using what's known as the “Dutch reach” to open the door. That will naturally turn you in your seat and give you a much better view of what's coming up alongside in the car.

Improve your reading, writing and math skills

    Through the Literacy and Basic Skills program, you will learn reading, writing, math and other basic skills (e. g. computer) to help you prepare for:

    ● employment

    ● college studies

    ● independence

    ● school credit

    These courses(课程) are free and available in English or French. There are courses designed for local people and Deaf people as well.

    Requirements(要求)

    To take these courses you have to:

    ● be an Ontario resident

    ● be 16 years old or older

    ● have reading, writing and math skills below the grade 12 level

    Learn in a classroom

    You can take these free classroom courses at more than 300 locations across the province.

    Find out more by contacting Employment Ontario.

    Learn online

    You can also learn online as one way of the Literacy and Basic Skills program.

    Four different organizations in Ontario offer free online courses tailored to you. Find out more about learning online:

    ● in French

    ● in English

    ● as a local person

    ● as a Deaf person