Because of the financial crisis in the US and UK, college students are beginning to struggle to find ways to pay their tuition fees and accommodations.

    Recently, two major US student loan (贷款) lenders, Citibank and JPMorgan Chase, announced they were leaving the student loan industry altogether. Because banks currently have a lack of credit, they are reluctant to offer students low-interest loans that need a several-year wait for any return of interest.

    In the US, many undergraduates fill up their financial needs with a private loan, although the majority can get government-funded loans. In the 2015-2016 academic year, $ 17 billion in private student loans was used to finance higher education. The lack of private funding has yet to be covered and will hit many US students hard.

    Across the Atlantic, UK students have been less troubled by the crisis. Most undergraduates in the UK cover their university expenses with government-funded loans and grants. Their biggest concern is a sudden increase in student rent.

    Most young professionals now rent houses, since 80 percent of UK mortgage schemes (按揭计划) have disappeared—a direct result of the credit crisis. This has boosted the house rent market.

    In large cities, UK students are paying almost 6.5 percent more in rent than the previous year. Figures from the UK organization Accommodation for Student show students in big cities such as London paying an average weekly rent of $ 203.

    Yet, despite students' suffering, the number of this year's university applications is expected to grow. During economic slumps, people regard further education as a way to survive tough job market.

    One fine afternoon, I was walking along Fifth Street when I remembered that it was necessary to buy a pair of socks. Why I wished to buy only one pair was unimportant. I turned into the first sock shop that caught my eye. A boy clerk, who could not have been more than seventeen years old came forward. “What can I do for you, sir?” he said. “I wish to buy a pair of socks.” I replied.

    His eyes shone. There was a note of excitement in his voice. “Did you know that you had come into the finest place in the world to buy socks?” I had no idea of that, as my entrance had been accidental. “Come with me,” said the boy, eagerly. I followed him to the back of the shop, and he began to pull down box after box from the shelves, showing their contents（内装物）for my choice.

    “Hold on, lad,” I said, “I am going to buy only one pair!” “I know that,” said he, “but I want you to see how beautiful these are. Aren't they wonderful!” There was on his face an expression of seriousness and pride and delight as if he were showing me the secrets of his religion（宗教信仰）. I became far more interested in him than in the socks. I looked at him in surprise. “My friend,” said I, “if you can keep this up, if this is not merely from having a new job, if you can keep up this high spirit and excitement day after day, in ten years you will own every sock in the United States.”

    Once an old man rose early to read each morning. His grandson wanted to be just like his grandfather, so tried to emulate him every way he could.

    One day the grandson asked, “Grandpa, I try to read just like you do, but I don't understand most of it, and I forget whatever I do understand immediately I close the book. So what good is it for me to read?”

    The grandfather, who was putting coal on the fire, said, “Take this coal basket down to the river and bring me back a basket of water.”

    The boy did as told to, but the water leaked out before he could get the basket home.

    The grandfather laughed, saying, “You'll have to move a little faster.” This time he ran faster, but again the basket emptied. Out of breath, he decided it was impossible to carry water in a basket, and he went to get a bucket (桶). But the grandfather said, “I want a basket of water instead of a bucket of water. You're just not trying hard enough.”

    The boy knew what he was trying to accomplish was impossible. However, he decided to show his grandfather a third time.

    The boy dipped the basket into the river and ran as hard as he could. With the empty basket, he gasped (喘气说), “See Grandpa? It's useless!”

    “So you think it useless?” the old man asked. ''Then look at the basket.” To his surprise, the boy found it washed clean of the dirty coal stains and now clean inside and out.

    “My child, that's what happens when you read the book. You might not understand or remember everything, but the words will change you inside and out. That is the work of reading in our lives.”

    Teaching idioms (习语) is a lot of fun. Here are some good books that can teach children idioms.

    THE WORLD IS YOUR OYSTER

    It has idioms that are widely used. Each idiom has a picture to go with it. It is for children in the 1st grade & up. It is written by Tamara James.

    THERE'S A FROG IN MY THROAT

    This book has 440 idioms about animals. Each idiom is given a short explanation to tell what it means. It is for children in the 2nd grade—6th grade. It is written by Loreen Leedy.

    BUTTERFLIES IN MY STOMACH

    It shows a boy's first day of school through idioms. It is for students in the 1st grade—4th grade. It is written by Serge Bloch.

    MAD AS A WET HEN

    It is a book for teaching classic idioms. It is for students in the 3rd grade—5th grade. It is written by Marvin Terban.

    MY TEACHER LIKES TO SAY

    It is about idioms used by teachers. It is for students in the 1st grade—4th grade. It is written by Denise Nelson.

    My first impression of Miss Vicki was a highly authoritative(权威的) person towering over me. She spoke in a loud voice and the earth shook whenever she marched. That was in the first year of high school. She was a knowledgeable literature teacher then. However, during my first year in school, she struck terror into my heart(使我胆战心惊). And everyone else's of course. Just the mention of her name made the most unruly classes silent.

    Nevertheless, the two years of junior high passed by rather quickly. Soon, I went to senior high class. I had worked hard and gotten the subject combination that I wished for. Together with a group of old friends, I soon settled down in class comfortably.

    To everyone's surprise, she was fortunate enough to be my teacher that year. I was shocked when I heard the news. This time round, however, I decided not to hide in terror whenever she was near. I decided to face the fact that we were going to meet each other for the next 365 days. Instead of trying too hard to lick her boots, I tried my best to my natural self in front of her.

    Still, I could not shake off the ice-cold impression that she put in my heart. True, her jokes sometimes sent me into fits of laughter, yet at other times these jokes simply fell flat the moment she told them. My lovely class, however, was already ready to laugh at the right time of her amusing stories. After all, we would not want to run the risk of provoking(激怒) her.

    Unluckily, life was not to remain boring. One day we received news that Miss Vicki was to leave Singapore for the Philippines where she would take part in a voluntary teaching program for the poor. We did not know what to say actually. All of us cried at the airport.

Reading a book and watching a film are two very different experiences, but expectations can be high when a film of a favourite book is made. There are very many times I have been disappointed by a film of a book I love. So maybe highly regarded books do not always make good films. It is safe to say that great movies may be made from not particularly good books.

The source material may be anything from classic novels, short stones, comic books and stage plays, as well as non­fiction such as biography and autobiography, even those written by ghostwriters. All can work well, but why do many adaptations and indeed remakes fail with both cinema audiences and critics?

A key question is obviously how close to the original the film is. Since a typical film is only around two hours long, it becomes a question of what to leave out, and how to script the dialogue. Sometimes there may be changes to the plot, additions and even different endings to please producers, directors and test audiences. I, like many people, have often left the cinema feeling "the film is not like the book".

Another problem area is the cast. Whether suitable actors are found or not can mean the difference between success and failure. Readers of the book use their imaginations to visualize characters and have very definite ideas about how characters look and sound. This is where I think many film adaptations fall down.

Some books are just too difficult to film for technical reasons, although movies like The Life of Pi are changing this perception. The impact of CGI technology has had a huge impact on the movie industry and allowed the previously unfilmable to become a reality.

 Sometimes authors are very involved in the process and many may even be the screenwriters. This can actually be a bad thing because they may be too close to the material and find it difficult to adapt. At other times they are not the screenwriters, and there are instances where writers have been very unhappy with the film versions of their work. Roald Dahl and Stephen King are examples of this. Even more extreme was novelist J. D. Salinger who made sure no film versions of his popular novels could ever be made. In this situation, it is clear viewers will not be disappointed.