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.

    It was a beautiful Sunday morning, and Maggie and I were returning from our walk through the woods. We were only a couple of blocks from home when I spotted a cell phone and a credit card sitting on the road. We took them home. We always find amazing things on the street and she looks upon them as a movable feast-a chicken wing here or a barbecue rib there.

    I found another cell phone a few years back, too, and called a number in its phone book. I explained the situation to the guy who answered. He said it was his sister's and that he'd come to pick it up, which he did.

    And that was that. No verbal thank-you, no written thank-you, no “here's a box of chocolates” thank-you.

    I didn't have time to call anyone on my latest found cell phone. I was pouring myself coffee when it started to vibrate(震动) and dance across the kitchen counter.

    “Who's this?” someone asked when I picked up.

    “Who's this?” I countered（反问.“Sarah?”

    She was surprised at my knowing her name until she realized her name was on the credit card. “Could you send them to me?” she asked.

    She lives in Arlington, which is 2 miles from my house.

    “Hmm, no, ”I replied, adding that I thought she could come to get them, and that if I wasn't at home, they would be in my mailbox.

    A day later, when I was out for a run, someone retrieved(取回) them. There wasn't even a piece of paper put in the mailbox with “Thanks” on it. In this age of e-mail and cell phone, there's really no excuse. Years ago, I found something more precious than a $100 bill on the street: a driver's license. I saw  that its owner lived a couple of blocks from me, so I called him up. He asked whether I could slip the license through his front door.

    “I guess I could, ”I replied.

    And that was that.

    It was Sunday, so Dad and I were at the second-hand goods market, looking for tools, appliances(家用电器), and other things that needed cleaning. Some were broken; others, like silver cups, just needed to be cleaned and polished. It was 1974, and the Depression(经济大萧条) was very serious. Dad worked full-time at a factory, but the money wasn't enough. Dad had tried a second job for a while, but he found it was too hard on the family. One day, he had an excellent idea that set me on a lifelong course of making money to support myself. Standing beside a crowded table at the second-hand goods market, I looked over an ancient manual sewing machine. Someone had changed it to run on electric power. It was much older than Mom's machine, but it looked like it had quality and a long life built into it. "Dad!" I called. "This is a beauty!"

    Dad walked over, pulling a cart full of audio equipment, tools, worn-out appliances, and what appeared to be a block of dull kitchen knife." What have you got, Son?" I described what I saw and what I figured I could do to x the beauty up. Dad paid for my discovery, and we headed home.

    Every day after school I worked on the ancient machine, and every night Dad and I sharpened tools and knives, sanded off rust, polished metal, and replaced missing parts from various items. The next Saturday we headed off, as we did every weekend, to that same market, where we sold the treasures we'd purchased the week before—at a tidy profit. My antique beauty brought in more money than anything else, and Dad let me keep every penny.

    Dad's gone now, but I can never thank him enough. Even if we hadn't needed the extra money Dad and I brought in, I wouldn't have traded those weekends for all the picnics or Little League games in St. Louis—not in a million years.

    Meeting people from another culture can be difficult. From the beginning, people may send the wrong signal. Or they may pay no attention to signals from another person who is trying to develop a relationship.

    Different cultures stress the importance of relationship building to a greater or lesser degree. For example, business in some countries is not possible until there is a relationship of trust. Even with people at work, it is necessary to spend a lot of time in "small talk", usually over a glass of tea, before they do any job. In many European countries, like the UK or France, people find it easier to build up a lasting working relationship at restaurants or cafe rather than at the office.

    Talk and silence may also be different in some cultures. I once made a speech in Thailand. I had expected my speech to be a success and start a lively discussion, instead there was an uncomfortable silence. The people present just stared at me and smiled. After getting to know their ways better, I realized that they thought I was talking too much. In my own culture, we express meaning mainly through words, but people there sometimes feel too many words are unnecessary.

    Even within Northern Europe, cultural differences can cause serious problems. Certainly, English and German cultures share similar values, however, Germans prefer to get down to business more quickly. We think that they are rude. In fact, this is just because one culture starts discussions and makes decisions more quickly.

    People from different parts of the world have different values, and sometimes these values are quite against each other. However, if we can understand them better, a multicultural environment will offer a wonderful chance for us to learn from each other.

    Idioms are one of the hardest parts of learning a language. For those of you who don't know, an idiom is a phrase which has a meaning, but the meaning is not clear from the words themselves. If you translate an idiom word for word, it sometimes makes no sense at all. They are like puzzles and even native speakers can get confused when someone uses a phrase that they've never heard of.

With that in mind, here are five common English idioms that you can use in a variety of Situations.

⒈Get your act together (Meaning: you need to improve your behaviour/work)

    This might be something your teacher says to you if you score badly in an exam or if you misbehave in class. You can also use it to talk about people in general. For example, if your friend is being mean or nasty for no reason, then you can tell them that they need to get their act together.

⒉Pull yourself together (Meaning: calm down)

    This is a somewhat impolite way of telling someone that they are overreacting and that they need to relax. Only use this if you think the person you are speaking to is getting upset over something insignificant. If your friend tells you that their close relative has died, it is NOT the time to tell them to pull themselves together.

⒊I'm feeling under the weather (Meaning: I'm sick)

    Yes, it's longer and more difficult to say than 'I'm sick', but if your English teacher asks you why you haven't done your homework, he or she is more likely to forgive you if you say that you were feeling under the weather. You may not have done your English homework, but your teacher might be impressed that you know how to make eloquent excuses in a foreign language.

⒋It's a piece of cake (Meaning: it's easy)

    I don't know why this means what it does, but sometimes you just have to accept that English people use weird phrases.

⒌Break a leg (Meaning: good luck!)

    This is perhaps one of the most confusing yet well-known English idioms. If someone says this to you, do not take offence or think they are threatening you; they are just wishing you luck. It is most often used for people wishing success to actors and actresses before they perform on the stage, but it can be said in other situations, too.

    All in all, learning a new language can be challenging. It's definitely not a piece of cake, especially when there are so many confusing idioms. However, with enough hard work and interest, you will succeed in no time. Break a leg!

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