The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account (交易账户) where you receive a key­card so you can get to your money 24/7—that's 24 hours a day,7 days a week!

    It's a club with impressive features forteenagers：

● No account keeping fees!

    You're no millionaire so we don't expect you to pay large fees. In fact, there are no account keeping or transaction fees!

● Excellent interest rates!

    You want your money to grow. The Winners Club has a good rate of interest which gets even better if you make at least two deposits (存款) without taking them out in a month.

● Convenient

    Teenagers are busy — we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you will receive a FREE magazine full of good ideas to make even more of your money. There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission from your parent or guardian (so we can organize that cool key­card) but it is easy. We can't wait to hear from you. It's the best way to choose to be a winner!

    Telepathy (心灵感应) is the ability to communicate without the use of the five senses. It's an instinct (本能) which can be woken up in times of emergency or need. When we feel that something is happening or about to happen by instinct，we're using resources within the unconscious (潜意识的) mind. When the resources of two persons' unconscious minds link together into the same frequency (频率)，we call it telepathy.

    We can either send or receive telepathy. If you know who is calling before you answer the ringing phone，you are probably a good receiver. If you think of a person and he/she calls you，you are most likely to be better at sending.

    You can easily put your ability to the test. Thinking of somebody and wish him or her to contact you. Be patient. The other person may not be a good receiver，but they should contact you much earlier than would normally be expected. Or whenever the phone rings，try ‘feeling' who is contacting you. Don't guess，but try to feel it with your mind. However，if neither of these works for you，that doesn't mean that you have no ability of telepathy. As mentioned earlier，telepathy is most likely to turn up in case of emergency.

    Telepathy dreams often contain telepathic messages. Two people may both dream of the other and find that their dreams have a clear connection. These people are probably linking to each other's unconscious mind.

    Telepathy & relationship. The more people spend time together，the more likely they are to be able to link up to the other's mind，especially when separated. There are two reasons for this. One is that they understand the other's mind through time spent together；the other is that there is usually a strong desire to communicate. A mother will often sense that her child is in danger. This is due to the child's eagerly wanting his or her mother，knowing that this is the person who would always want to be there for them，and the mother's deep desire to protect her child from harm.

    For those concerned about wrinkly old skin, It might be a creative solution: an elastic(有弹性的) “second skin” that can be smoothed on to make aged tissue look more youthful.

    The wearable film, developed at the Massachusetts Institute of Technology (MIT), has shown promise in a series of small experiments where it was applied to wrinkles, under-eye bags and areas of dry skin. When applied to the face or body, the thin, transparent layer sticks to the skin and supports the tissue, making it look and behave like younger skin, its producers claim.

    “What we've been able to do is create a cream that you can put on the skin, and then when it's on the skin it can actually form, essentially, an elastic second skin,” said Bob Langer, who led the research. Tests in the lab found that the polymer film (高分子膜), which is only 70 thousandths of a millimetre thick, reduced the appearance of wrinkles and under-eye bags, and helped keep moisture in areas of dry skin.

    The layer is designed to be applied in the morning, then peeled off at night. In previous studies, the second skin withstood normal daily wear, and the stresses and strains of exercise and swimming, without falling off or causing irritation. It also survived exposure to rain.

    “It's something you can wear for a whole day or longer, depending on the physical forces thatget applied to the area where it is worn, "said Daniel Anderson, who helped develop the product at MIT. “You can't tell you're wearing it.”

    While normal cosmetics can mask imperfections on the skin, the new coating changes the way skin behaves by giving it the elasticity of young skin. It was developed with help from two companies.

    It was Mother's Day morning last year and I was doing my shopping at our local supermarket with my five-year-old son, Teayson. As we were leaving, we found that only minutes earlier an elderly woman had fallen over at the entrance and had hit her bead on the concrete. Her husband was with her, but there was blood everywhere and the woman was embarrassed and clearly in shock.

    Walking towards the scene, Tenyson became very upset about what had happened to the couple. Ile said to me. “Mums it's not much fun falling over in front of everyone.”

    At the front of the supermarket a charity group had set up a stand selling cooked sausages and flowers to raise funds. Tenyson suggested that we should boy the lady a flower. “It will make her feel better,” he said. I was amazed that he'd come up such a sweet idea. So we went over to the flower seller and asked her if we could buy a flower for the lady to cheer her up. “Just take it,” she replied. “I can't take your money for such a wonderful gesture.”

    By now paramedics(救援人员) had arrived, and were attending the injured woman. As we walked up to her, my son became intimidated by all the blood and medical equipment. He said he was just too scared to go up to her.

    Instead I gave the flower to the woman's husband and told him. “My son was very upset for your wife and wanted to give her this flower to make her feel better.”

    At that, the old man started crying and said, “Thank you so much, you have a wonderful son, Happy Mother's Day to you.”

The man then bent down and gave his wife the flower, telling her who it was from. Though badly hurt and shaken, the old lady looked up at Tenyson with love in her eyes and gave him a little smile.

    You are given many opportunities in life to choose to be a victim or creator. When you choose to be a victim, the world is a cold and difficult place. "They" did things to you which caused all of your pain and suffering. "They" are wrong and bad, and life is terrible as long as "they" are around. Or you may blame yourself for all your problems, thus internalizing(内化)your victimization. The truth is, your life is likely to stay that way as long as you feel a need to blame yourself or others.

    Those who choose to be creators look at life quite differently. They know there are individuals who might like to control their lives, but they don't let this get in the way. They know they have their weaknesses, yet they don't blame themselves when they fail. Whatever happens, they have choice in the matter. They believe their dance with each sacred(神圣的)moment of life is a gift and that storms are a natural part of life which can bring the rain needed for emotional and spiritual growth.

Victims and creators live in the same physical world and deal with many of the same physical realities, yet their experience of life is worlds apart. Victims relish(沉溺)in anger, guilt, and other emotions that cause others—and even themselves—to feel like victims, too. Creators consciously choose love, inspiration, and other qualities which inspire not only themselves, but all around them. Both victims and creators always have choice to determine the direction of their lives.

    In reality, all of us play the victim or the creator at various points in our lives. One person, on losing a job or a special relationship, may feel as if it is the end of the world and sink into terrible suffering for months, years, or even a lifetime. Another with the same experience may choose to first experience the grief, then accept the loss and soon move on to be a powerful creative force in his life.

    In every moment and every circumstance, you can choose to have fuller, richer life by setting a clear intention to transform the victim within, and by inviting into your life the powerful creator that you are.