April is Financial Literacy Month，when Americans of all ages are encouraged to learn how to be smart about money.And this year，fifth­grade Rachel Kelly from Naperville，Illinois，is already at the head of her class.Kelly,11, won a nationwide contest called the Stock Market Game.

    Students who take part in the Stock Market Game，run by the SIFMA Foundation，a financial­education organization，pretend to buy stocks (股票) worth $100,000.Then they have to read financial news over several days to see if their investments would have gained money or lost money and write an article explaining their choices.

    “I  wanted  to  choose  a  company  that was well­known，” writes Kelly.“I thought about products that I see every day，so cars came to my mind.” Kelly picked the Japanese car company Honda Motors.“Honda Motor Company is the No.1 producer of motorcycles in the world and the fifth­largest producer of automobiles behind Toyota，Volkswagen，General Motors and Hyundai，” says Kelly.

    Honda makes many different kinds of cars，which Kelly thinks makes the company a safe investment.She explains that even if the cost of gas goes up，Honda has a good chance of staying in business because of the company's fuel­efficient cars，which run on less gas than most cars made today.

    “If one of their departments is not doing so well，it won't affect the overall company sales，” she writes.

    Because the stock Kelly picked performed well and her article was persuasive，Kelly won this year's contest.About 600,000 students from 4th to 12th grade competed.

The Youngest Skier To The South Pole

    On Friday December 9th, a 16-year-old skier, Ameba Hempleman-Adams reached the South Pole with her father after skiing 97 miles and spending 17 nights on the ice. On the final day they skied 14 miles and afterwards Ameba said she felt “elated and tired" on reaching the South Pole.

    “The biggest challenges were the freezing cold and eating only dried food. The best bit has been experiencing what Dad does on expeditions(探险).It's the first time I've been on a difficult long journey with him and now I know what it's like. The trip brought me closer to Dad, but I also had to put up with his snoring(鼾声)which was terrible.', She added, “Would I do it again? I'm not sure. I'll have to think about that after a few nights' sleep! At times it's been really hard: I've got aching shoulders, and my back's been sore from pulling my sledge(雪橇), I've got blisters(水泡)on my feet from the boots and I've got a cold burn on my nose from my sunglasses. ______”.

    She said the most extraordinary part of the trip had been the breathtaking scenery and the sense of isolation in the Antarctic landscape.“ I've really missed my friends while I've been away and want to thank them for all their messages of support.”

    Friends and relatives who posted comments on Ameba's expedition website paid tribute(致敬)to her positive attitude which , they said ,would be an inspiration to others.

    Her father, David, said “Ameba has done amazing well. I'm proud of her. She showed real determination. She was tough and she pulled her sledge the whole way. It was a special experience to share those 97 miles with her.”

    For the past two years I have been travelling and living abroad. Home has become more of a feeling than a place. I feel at home when I am with my family in London, but I also feel at home in Italy with friends I love. Home is no longer a picture of a house with a front door and some windows. It is more complicated than that.

    This is one of the reasons that celebrating the new year has become very important for me. I do not care about "New Year's resolutions (愿望)"—living abroad has made me constantly reconsider what kind of person I want to be and how I will live my life, so I don't feel the need to plan for change: I live for change.

    New Year's Eve has become my time to reconnect with the friends that makes me feel at home. Every year we try to reunite wherever we are and remember the time when we knew each other so well that we felt like a family. It is a moment to reconnect and get to know each other again. Last year, we travelled to a cottage in Ireland where we had no internet and no neighbours. In the middle of the countryside, away from our big and constantly changing lives, we were able to become like a little family again.

    This year, we went to Barcelona. It was a very big change. We were surrounded by culture and life and joy. There were bars and parties. It was different, but one thing stayed very much the same-I felt at home again and we felt like a family again.

    A lot of people feel that New Year's Eve cannot live up to expectations. Ideas such as the "New Year's kiss" and "resolutions" create a lot of pressure for people to have a night to remember, a night that will change their lives and perhaps make the next year one worth living. I think those people are missing the point. If Christmas is about family, why can't New Year be about friends?

5 books I loved in 2018

By Bill Gates

    A great read is the perfect gift and I think everyone could use a few more books in their lives. My book list covers various topics, including an autobiography on learning throughout a life, a deep search on autonomous weapons (武器), a thriller about the fall of a once­promising company and a guide about meditation (冥想)­there's something for everyone.

    The Head space Guide to Meditation and Mindfulness, by Andy Puddicombe. The book starts with Puddicombe's personal journey from a university student to a Buddhist monk and then becomes an entertaining explainer on how to meditate. If you're thinking about trying mindfulness, this is the perfect introduction.

    Army of None, by Paul Scharre. It's an extremely complicated topic, but Scharre offers clear explanations and presents both the advantages and disadvantages of machine­driven warfare. His fluency with the subject should come as no surprise: he's an ex­soldier who helped draw up the U.S. government's policy on autonomous weapons.

    Bad Blood, by John Carreyrou. Carreyrou gives you the definitive insider's look at the rise and fall of a company. I found myself unable to put it down once I started. This book has everything: magazine cover stories, ruined family relationships, and the failure of a company once valued at nearly $10 billion.

    21 Lessons for the 21st Century, by Yuval Noah Harari. I'm a big fan of everything Harari has written, and his latest is no exception. If 2018 has left you stressed out by the state of the world, 21 Lessons offers a helpful framework for processing the news and thinking about the challenges we face.

    Educated, by Tara West over. Tara never went to school or visited a doctor until she left home at 17. I loved this life story of a young woman whose thirst for learning was so strong that she ended up getting a P.h.D. from Cambridge University.

    When I was about 12 years old, my older brother, James, smuggled a BB gun into the house. Our parents had told us many times that we were not allowed to bring home guns or knives, even if they were just toys. Having any form of weaponry in our home was strictly forbidden.

    James brought me to his room. He opened his closet door and took out a shoebox that was buried beneath a heap of clothes. The BB gun was inside. I was immediately enamored by the shiny barrel.

    "Can I shoot it, Jamesie?" I asked, hopefully.

    "Noway,"James said, taking it from me and putting it back.

    One day, when no one was home, I went into James' closet and took it out. For some in explicable reason - I have no idea what I was thinking - I went to the front window of the second floor in our row house. I cracked the window open. I pointed the gun outside and shot. I quickly shut the window and peeked outside.

    In a matter of seconds, old Mr. Schlosberg came out of his grocery store. He looked back at his store window. He looked up the street. He looked down the street. Then he looked straight across to our house.

    Thankfully, Jamesie made it home before Mother or Father.

    As he stepped through the door, I could hear old Mr. Schlosberg call his name. "James, James," he called. "Come here, son."

    After several minutes, James ran back across the street and into the living room. I had retreated into the kitchen. "Alma!" he screamed. "Get out here! You cracked Mr. Schlosberg's window with my BB gun!"

    "Oh, please, Jamesie," I begged. "Don't let him tell Mother. She will whip my bottom real good!" Jamesie sighed. He wiped my tears and went back across the street to Mr. Schlosberg's. I don't know what James said to that man, but there was never a mention of the incident again.

    Years later, I found out Jamesie had used the money he got from his newspaper route to pay for Mr. Schlosberg's cracked window. He only got one cent for every paper he delivered. He managed to pay back the debt just before he went off to fight in World War II.

    Since that day, I have never touched a gun: a BB gun, a water gun, a real gun, or any other type.

If a president, a philosopher, and one of the best-selling writers credited the same secret for their success, would you try to follow it too? What if the secret was something you already knew how to do? In fact, you probably do it every day. Here's what Friedrich Nietzsche wrote: "It is only ideas gained from walking that have any worth. " Thomas Jefferson: "Walking is the best possible exercise. " Charles Dickens: "If I could not walk far and fast, I think I should just explode and die. "

Researchers have found quite a lot of connections between walking and producing ideas. A Stanford University study found that participants were 81 percent more creative when walking as opposed to sitting. According to the study, walking outside-compared with on a treadmill (跑步机)-produces the most novel and highest-quality ideas.

The movement aspect of walking is obviously key. Our creative thinking is triggered (触发)by physical movement, which is exactly why walking-with your dog, a friend, or alone-feeds creative thinking.

The scenery is almost as important as the sweat. Breaking your routine with a walk can be a catalyst for fresh understanding of problems or projects. Just by going outside, you are stepping out of your familiar surroundings and your comfort zone, which is necessary if you want to open your mind to new possibilities. You can walk through a tree-filled neighborhood. You can walk through a park and observe people joking or birds singing. Being inside, you're more likely to be lifeless, which means you don't have enough energy to wonder or create.

So instead of setting a fitness goal, why not set a creativity goal that starts with walking? Involve yourself more closely in your surroundings. Tum off your phone and give yourself the chance to be present in the world, to hear conversations and natural sounds, and to notice the way people move and the way the sun reflects in puddle (小水坑).