Investing in yourself

    Figuring out how to invest your money can be a difficult task. This is something that you will want to learn how to do.

    {#blank#}1{#/blank#} Things that will improve your knowledge, skills or health are all great investments. However, before you start, you need to be clear about what you will gain out of doing all of these things.

    You may think investing in yourself means investing in your education. {#blank#}2{#/blank#} . There are some other things you can do as well as buying a gym membership or learning a new skill.

    So what are some specific things you can do? {#blank#}3{#/blank#} . Reading books can really expand your mind and allow you to learn different skills and gain knowledge. I'm talking about the books where you will actually learn a new skill, not fiction books.

    You can also take courses and attend seminars. These programs are taught by people with a high level of knowledge or skill. {#blank#}4{#/blank#} . Only in this way can you avoid being fooled by some sales presentation.

    Moreover, investing in yourself is a safe way to keep your money. Although a savings account is seen as the most secure investment, that isn't 100% safe. Even if you never experience your bank closing down, the return is little when inflation(通货膨胀) is taken into consideration. {#blank#}5{#/blank#} . But over time, they will show up in terms of your happiness level as well as your level of success.

A. This is just one way.

B. The benefits will stay with you.

C. If you aren't a reader, you should start with that.

D. The more you do this, the more valuable you will be.

E. Of course, you need to do some research before investing.

F. The best way to invest your money is to invest it in yourself.

G. When you invest in yourself, you may not see gains right away.

    Modem zoos are different from those built fifty years ago.At that time zoos were places where people could go to see animals from many parts of the world.The animals lived in cages with iron bars（栅栏）.Although the zoo keepers took good care of them,many of the animals did not feel comfortable,and they often fell ill.

    In modern zoos,people can see animals in more natural conditions.The animals are given more freedom in larger places so that they can live as they would in nature.Even the appearance of zoos has changed.Trees and grass grow in cages,and water flows through the places the animals live in.There are few bars;instead,there is often a deep ditch（沟）,filled with water,which surrounds a space where several sorts of animals live together as they would naturally.In an American zoo,the visitors can walk through a special huge cage that is filled with trees,some small animals and many birds,and large enough for the birds to live naturally.In a zoo in New York,with the use of special nights,people can observe certain animals that are active only at night,when most zoos are dosed.Some zoos have special places for visitors to watch animals that live in the desert or under water.

    Modern zoos not only show animals to visitors,but also keep and save rare animals.For this reason,fifty years from now,the grandchildren of today's visitors will still be able to enjoy watching these animals.

    People always think men are more skilled than women in driving. Nowadays women appear to have a positive image of themselves as safer drivers than men.

    In a survey done by insurer MetLife, 51% of women said they drive more safely. The evidence is on their side: Men are 3.4 times more likely than women to get a ticket for careless driving and 3.1 times as likely to be punished for drunk driving. "Women are on average less aggressive and more law abiding (手法的) drivers, which leads to fewer accidents," the report says. However, not all male drivers share the same opinion. Of the men surveyed by MetLife, 39% claimed male drivers were safer. The findings did back them up on one point: automotive knowledge. The report showed that more men are familiar with current safety equipment such as electronic stability control, which helps prevent rollover accidents.

    Auto safety unavoidably matters to money. Insurance companies focus on what classes of drivers have the lowest dollar amounts of claims, and for now, that mainly includes women. In general, women pay about 9% less for auto insurance than men. A study by the website Insweb also showed that auto insurance rates are lower for women in most states. Among individual states, women get the greatest advantage in Wyoming (where they pay 20% less), South Dakota and Washington, D.C., where their insurance costs are 16% lower.

    "More than 11, 9000 male drivers died in U.S. traffic accident in 2009, compared with just under 4,900 women drivers," according to the study. "Based on miles traveled, men died at a rate of 2.5 deaths per 100 million miles traveled, vs. 1.7 deaths for women."

    The earliest known copy of Leonardo da Vinci's Mona Lisa—thought to have been painted at the same time as the original masterpiece—has been discovered at the Prado Museum in Madrid, Spain. The work offers art-lovers an attractive clue to what the model for the world's most famous painting really looked like. Controllers of the museum found the picture hidden beneath layers of paints during restoration work on a picture initially thought to have been a later replica(exact copy) of the Mona Lisa.

    The restored version shows the same woman that Leonardo depicted (描画), against a landscape similar to that shown in the background of the original, which now hangs in the Louvre in Paris. And while the features of Leonardo's Mona Lisa have been dulled by centuries of dirt and layers of cracked paints—which are unlikely ever to be removed—in the recently-rediscovered copy, she appears fresher-faced and younger than her better-known "twin".

    News of the find was revealed at a meeting at London's National Gallery, linked to its "Leonardo da Vinci: Painter at the Court of Milan" exhibition. "This sensational (轰动的) find will transform our understanding of the world's most famous picture," the Art Newspaper reported, adding that the clues found on the Madrid version suggest that the original and the copy were begun at the same time and painted next to each other, as the work went on.

    Miguel Falomir, manager of Italian painting at the Prado, told reporters that expert analysis suggested a strong link between Leonardo and the artist who painted the copy. "The painting was done in the painter's own workshop," he said. "It is absolutely consistent with Leonardo's work, but Leonardo didn't actually do any work on it himself."

    I've come back to check on a baby. Just after dusk I'm in a car down a muddy road in the rain, past rows of shackled(戴镣的) elephants, their trunks swinging. I was here five hours before， when the sun was high and hot and tourists were on elephants' backs.

    Walking now, I can barely see the path in the glow of my phone's flashlight. When the wooden fence post stops me short, I point my light down and follow a current of rainwater across the concrete floor until it washes up against three large, gray feet. A fourth foot twisted above the surface, tied tightly by a short chain and choked by ring of metal spikes(尖刺) When the elephant tires and puts her foot down， the spikes press deeper into her ankle.

    Meena is four years and two months old, still a child as elephants go. Khammon Kongkhaw, her caretaker, told me earlier that Meena wears the spiked chain because she tends to kick. Kongkhaw has been responsible for Meena here at Maetaman Elephant Adventure, near Chiang Mai, in northern Thailand, since she was 11 months old. He said he keeps her on the spiked chain only during the day and takes it off at night. But it's night now.

    I ask Jin Laoshen, the Maetaman worker accompany in me on this nighttime visit, why her chain is still on. He says he doesn't know.

    Mactaman is one of many animal attractions in and around tourist-crowded Chiang Mai. Meena's life is set to follow the same track as many of the roughly 3, 800 captive(被捕获的) elephants in Thailand. When Meena is too old or sick to give rides-maybe at 55, maybe at 75she'll die. If she's lucky, she'll get a few years of retirement. She'll spend most of her life on a chain.

About 50 feet from shore, two brothers were fighting for their lives, their mouths barely able to stay above the water. Thick fog made it difficult for beach goers to see the guys, but the screams were unmistakable and every second counted. The brothers, aged 15 and 20, were wearing shorts and T-shirts, unsuitable for a November day, let alone the 50-degree water. Keven Harder, a supervising ranger, told the North Coast Journal that swimming in such a temperature "will take the fight right out of you."

Luckily, four surfers in wet suits were nearby. Narayan Weibel, Spenser Stratton, and Adrian York, all 16, along with Taj Ortiz-beck, 15, were on their surf boards riding on waves when they heard the cries. They turned and saw two bobbing heads and four flailing arms. "We looked at each other and knew they were about to drown, " Weibel said.

Weibel, Stratton, and Ortiz-beck paddled toward the distressed swimmers while York headed to shore to call 911. As the surfers drew close, the brothers were struggling. "It was pretty stressful, but there wasn't any time to think about it," Ortiz-beck said. He pulled up alongside the younger brother. Grabbing him under his arms, he raised him up onto the board. Stratton and Weibel, meanwhile, were straining(竭力)to help the elder brother. He was large, about 250 pounds, and panicked. Fortunately, York arrived in time to help get the elder brother atop the second board. The surfers then paddled several minutes through rough water to the medical help waiting onshore. The brothers were scared but fine.

"When we get a call like this one, it's usually too late by the time we get there, " said Dillon Ceavenger, the first responder. "I can't say enough about what these boys did. They were willing and prepared to risk their lives."