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．

阅读下列短文，从每题所给的四个选项（A、B、C和D）中，选出最佳选项。

    Green is an important color in nature. It is the color of grass and the leaves on trees. It is also the color of most growing plants.

    Sometimes, the word “green” means young, fresh and growing. For example, a greenhorn is someone who has no experience. In the 15th century, a greenhorn was a young cow or an ox whose horns(角)had not yet developed. A century later, a greenhorn was a soldier who had no experience in war. By the 18th century, a greenhorn had the meaning it has today—a person who is new in a job.

    Someone who is good at growing plants is said to have a green thumb(大拇指). The expression comes from the early 20th century. A person with a green thumb can make plants grow quickly and well.

    Green is also the color used to describe the powerful feeling , jealousy(嫉妒). The green-eyed monster （怪物）is not a dangerous animal from outer space. It is an expression used about 400 years ago by the British writer William Shakespeare in his play “Othello”. It describes the unpleasant feeling when someone has something he wants. For example, a young man may suffer from the green-eyed monster if you get a pay rise and he does not.

    In most places in the world, a green light means to move ahead. In everyday speech, a green light means agree to continue with a project.

    Sometimes people come into your life and you know at once that they were sure to be there. They serve some sort of on purpose, teach you a lesson or help find out who you are or who you want to become. You never know who these people may be: your classmate, neighbor, teacher, long-lost friend or even a real stranger. But you know that every moment they will affect your life in some serious way.

    Sometimes things happen to you. At the time they may seem terrible, painful and unfair. But later you realize that without getting over those difficulties you would have never realized your further ability and strength. Everything happens for a reason and nothing happens by chance or with good or bad luck.

    The people you meet affect your life, and the successes and failures(失败) you experience, create who you are. Even the bad experiences can be learned from. In fact, they are probably the most poignant and important ones.

    Enjoy every day even every moment and take from it everything that you possibly can, for you may never be able to experience it again. Talk to people you have never talked to before, and really listen. You should set your sights high, hold your head up, tell yourself you are a great one and believe in yourself.

    You can make your life anything you wish. Create your own life and then go out and live it.

    Compared with solar and wind energy, which are booming, tidal (潮汐的) power is a loser in the clean - energy competition. But if you did want to build a tidal power station, there are few better sites than the mouth of the River Severn, in Britain. Its tidal range, the difference in depth between high and low tides, of around 15 metres is among the largest in the world.

    Engineers and governments have been toying with the idea since at least 1925. But none of the suggested projects has materialised. Price is one objection. A study thought that tidal energy might cost between ￡216 and ￡368 ($306 - 521) per MWh of electricity by 2025, compared with ￡58 - 75 for seagoing wind turbines (轮机) and ￡55 - 76 for solar panels. Environmentalists also worry that any plant would change the tides, making life harder for wildlife.

    An engineer called Rod Rainey thinks he has a way around both problems. He plans to replace the conventional turbines of previous plans with a much older technology. Specifically, he plans to span (横跨) the river mouth with a line of water wheels. This is a design that dates back to the early days of the Industrial Revolution. Examples can be found fixed to the sides of old watermills (水磨).

    But there would be nothing old - fashioned about Mr Rainey's wheels. Thirty metres high and sixty wide, they would be made from ordinary steel. Two hundred and fifty of them, along with the supporting structures, would be floated into place and secured to the seabed, creating a line 15km long. Together, they could supply power at an avenge ate of 4GW. That is about as much as two biggish nuclear power stations would manage. Substituting one of the wheels with a set of locks would provide a shipping channel about twice the width of Panama Canal, permitting upstream ports such as Avonmouth and Cardiff to continue operating.

    Here are some exciting holidays to make your travel fun and a learning adventure.

    Salsa Dancing Holiday, Cuba

    In Cuba, many all-inclusive resorts(全包式度假胜地) offer free salsa lessons as part of their services, but there are many travel routes available through travel companies that will arrange for dance lessons over the course of your two-week stay, as well as an opportunity to taste authentic Cuban cooking, lifestyle and music. By the end of your holiday, you will be a dancing expert!

    Big Life Stretch, Spain

    Travel opens up opportunities that you do not have at home. Leaving your familiar surroundings might open your mind and bring changes. Big Life Stretch is one-way holiday near Malaga, Spain, in the mountains. You will spend a week surrounding yourself by nature. Guests participate in the scheduled life coaching, and also learn the techniques to hug changes.

    Photography Holiday, Spain

    Taking pictures is a major part of every holiday, but how many of us are good at it? Why not take this opportunity to learn how to really record your travel memories during the trip? In scenic Torrox, Spain. Photography Holiday offers 8-day-long all-inclusive vocations (room and board), photography workshops and personalized photography tours. The holiday includes traditional Spanish homes, the mountains and the sightings of sunrise over Lake Vineula.

    Wild Cookery, Scotland

    If you are looking for a cooking holiday for a change, consider Wild Rose Outdoor Cookery courses. Head out to Scottish Highlands for the weekend, where you will hunt for greens and other cooking materials and learn about ways of cooking outdoors, like fireside cookery, hot stones and pit (坑)cooking.

The new garbage sorting regulation has taken effect in Shanghai starting July 1. Many citizens are still confused about the classification of the four different types of trash. Thankfully, authorities have released an official guideline to clarify the new rules.

The guideline, published by the Shanghai Greenery and Public Sanitation Bureau, provides a rather clear definition on the four kinds of waste: recyclable waste, hazardous (有害的) waste, household food waste and residual (剩余的) waste.

Hazardous waste, as the name suggests, includes assorted poisonous materials like used batteries, light bulbs, out-of-date medicines, paint and pesticides.

Household food waste, which is translated to "wet trash" in Chinese, refers to food leftovers, rotten food, pet food, fruit peels, remains of TCM herbs (中药) and flowers.

Paper, plastic, glass, metal and textiles (纺织品) are counted as recyclable waste.

The definition of residual waste is a little confusing. Anything that is not listed above belongs in this category.

As specific as the new guideline is, residents still have a hard time sorting trash correctly and are finding it challenging to memorize them all. For instance, both plastic bottles and bubble tea or coffee cups are plastic materials. However, the former falls to the category of recyclable waste and the latter belongs to residual waste. To save the hassle, some netizens have come up with their own ways to sort trash.

"We should do this from a pig's angle," commented one netizen. "Those edible (可食用的) for pigs are household food waste. Those even pigs don't want to eat are residual waste. If a pig consumes something and dies of it, then something must be hazardous waste. Those which can be sold and the money we gain can be used to purchase pigs are recyclable waste." The new regulation has gone into effect on July 1. Those who do not sort their trash properly will be fined RMB200.