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．

    More people are dying from hepatitis(肝炎) than AIDS and tuberculosis, warns World Health Organization. The World Health Organization(WHO) has urged for action to wipe out hepatitis as ongoing illness worsens.

    In its first global report on the infection, it said the number of people dying from treatable forms of the disease, often caused by alcohol and drug abuse, is rising. Viral hepatitis is believed to have killed 1.34 million people in 2015, and amount similar to that of tuberculosis.

    But while those are both falling, hepatitis deaths are on the rise—increasing by 22 per cent since the turn of the century.

    However, most of the 325 million people infected are completely unaware they have the virus and some lack life-saving medicines. As a result, millions of people are at risk of a slow progression to chronic liver disease, cancer and even death, the WHO warned, Margaret Chan, director general of the WHO, said: “Viral hepatitis is now a major public health challenge that requires an urgent response.”

    The two most common forms, which are responsible for 96 per cent of deaths from the disease, are hepatitis B(HBV) and hepatitis C (HCV)

    HBV can be passed on through unprotected sex and bodily fluids(液体). It requires life-long treatment with a drug commonly used to battle HIV. New infections of this type of the disease are falling, thanks to a vaccine given to 84 per cent of newborns across the world. However, just nine per cent of sufferers know they are infected, meaning many go under the radar and miss out on treatment.

    HCV, usually spread through blood-to-blood contact with an infected person, can be cured relatively swiftly, but many patients across the world are unable to afford the medication. Around 1.75 million people were newly infected with HCV in 2015, bringing the global total to 71 million, figures suggests. But four fifths of those infected with this type of the disease are unaware they are suffering, the WHO warned.

    Experts looking at the cases have identified unsafe healthcare procedure and injection drug use as the top causes. Gottfried Hirnschall, director of WHO's Department of HIV and the Global Hepatitis Programme, said the WHO was working with governments, drugmakers and diagnostics companies to improve access.

    He added: More countries are making hepatitis services available for people in need—a diagnostic test cost less than $1 (78p) and the cure for hepatitis C can be below $ 200 (￡156). But the data clearly highlight the urgency with which we must address the remaining gaps in testing and treatment.

    Charles Gore, president of the World Hepatitis Alliance, said: “For the first time in the history of viral hepatitis, we have an understanding of the true impact of the disease.”

    A punctual person is in the habit of doing a thing at the correct time and is never late for anything.

    An unpunctual man never does what he has to do at the right time. He is always in a hurry and in the end loses both time and his good name. A lost thing may be found again, but lost time can never be got back. Time is more valuable than material things. In fact, time is life itself. An unpunctual person is always wasting his most important things as well as others'. An unpunctual person is always saying unhappily that he finds no time to answer letters or return calls. But the man who really has much to do is very careful of his time. He knows that he cannot finish all his work unless he carefully does every piece of work.

    Being unpunctual is the sign of disrespect towards others. If a person is invited to dinner and arrives later than the time when he should be there, he keeps all other guests waiting for him. Usually this will be thought as a great disrespect for the host and all the other guests.

    Not like a punctual person, an unpunctual one cannot do his duty wonderfully, whether it is public or personal. Imagine how it would be if those who should do important tasks failed to be on time. A man who is known to be unpunctual is never believed by his friends or fellow men.

    With the development of our society, cell phones have become a common part in our lives. Have you ever run into a careless cell phone user on the street? Maybe they were busy talking, texting or checking updates on WeChat without looking at what was going on around them. As the number of this new "species" of human has kept rising, they have been given a new name—phubbers (低头族).

    Recently a cartoon created by students from China Central Academy of Fine Arts put this group of people under the spotlight. In the short film, phubbers with various social identities bury themselves in their phones. A doctor plays with his cell phone while letting his patient die, a pretty woman takes a selfie (自拍) in front of a car accident site, and a father loses his child without knowing about it while using his mobile phone. A chain of similar events finally leads to the destruction(毁灭) of the world.

    Although the ending of the film sounds unrealistic, the damage phubbing can bring is real. Your health is the first to bear the effect and result of it. "Always bending your head to check your cell phone could damage your neck," Guangming Daily quoted doctors' words. "The neck is like a rope that breaks after long-term stretching." Also, staring at cell phones for a long time will damage your eyesight gradually, according to the report.

    But that's not all. Being a phubber could also damage your social skills and drive you away from your friends and family. When getting together with family or friends, many people prefer to play their cell phones while others are chatting happily with each other and this creates a strange atmosphere, Qilu Evening News reported.

    It can also cost your life. There have been lots of reports on phubbers who fell to their death, suffered accidents, and were robbed of their cell phones in broad daylight.

    Arriving in Sydney on his own from India, my husband, Rashid, stayed in a hotel for a short time while looking for a house for me and our children.

    During the first week of his stay, he went out one day to do some shopping. He came back in the late afternoon to discover that his suitcase was gone. He was extremely worried as the suitcase had all his important papers, including his passport.

    He reported the case to the police and then sat there, lost and lonely in strange city, thinking of the terrible troubles of getting all the paperwork organized again from a distant country while trying to settle down in a new one.

    Late in the evening, the phone rang. It was a stranger. He was trying to pronounce my husband's name and was asking him a lot of questions. Then he said they had found a pile of papers in their trash can(垃圾桶)that had been left out on the footpath.

    My husband rushed to their home to find a kind family holding all his papers and documents. Their young daughter had gone to the trash can and found a pile of unfamiliar papers. Her parents had carefully sorted them out, although they had found mainly foreign addresses on most of the documents. At last they had seen a half-written letter in the pile in which my husband had given his new telephone number to a friend.

    That family not only restored the important documents to us that day but also restored our faith and trust in people. We still remember their kindness and often send a warm wish their way.