I walked through the door of the office building I worked in. Then I realized that I needed some money so I went to the 1 at the corner of the street.

    As I finished and turned to 2, I saw a wallet on the counter(柜台). The wallet was brown and 3 three hundred dollars, a driver's license, and a 4 card. I didn't know the name on the license, but 5 he was, he was going to be in panic.

    I went home with the wallet. In my apartment, I  6 the online phone book and found no one to 7 the name on the card in the wallet. I really wanted to 8 the man. If it had been my wallet, I would have been sick to my stomach with 9. I 10 the bank card and became 11 in thought. 12 a fresh idea flashed through my mind. On the back was the number to his bank.

"Thank you for 13 Wachovia Bank. Can I help you?" "I found a wallet at one of your bank machines today and I am trying to find the 14." "That's very nice of you, sir. Can you 15 me the number on the card please?" I did what I was told and, "Can you tell me his phone number? I want to contact him to 16 his wallet." "I'm sorry, sir, but we cannot give out the 17 information of our customers." "I understand. Can I give you my telephone number? You could call him and tell him who I am." "I can 18 do that, sir."

I gave her my contact information and hung up. Two days later, a gentleman found me. He 19 thought he would see his wallet again. He was so 20 that he kept saying "thanks" many times.

    I smiled all day long. Doing good for others does good for you.

    My kids and I were heading into the supermarket over the weekend. On the way ,we spotted a man holding a piece of paper that said, “ 1 my job. Family to Feed.”

    At this store, a 2 like this is not normal. My 10-year-old noticed him and make a 3 on how bad it must be to have to stand 4 in the cold wind.

    In the store, I asked each of my kids to 5 something they thought our “friend” there would 6. They got apples, a sandwich and a bottle of juice. Then my 17-year-old suggested giving him a 7 I thought about it. We were 8 on cash ourselves, but… well, sometimes 9 from our need instead of our abundance is 10 what we need to do! All the kids 11 something they could do away with for the week.

    When we handed him the bag of12 he lit up and thanked us with 13 eyes. When I handed him the gift card, saying he could use it for 14his family might need, he burst into tears.

    This has been a wonderful 15 for our family. For days the kids have been looking for others we can 16! Things would have played out so 17 if I had simply said, “No, we really don't have 18 to give more.” Stepping out not only helped a brother in19 it also gave my kids the 20 taste of helping others. It'll go a long way with them.

    After my brother died in an accident, my mother was very sad. I was only 4 years old at the time, but I still understood the 1 in my mom's attitude toward safety.2, everything around us was potentially 3.

    I grew up with a lot of 4 and rules that were meant to 5 me. For example, I was not 6 to walk home from school by myself, even though everyone I knew already did. I couldn't 7 evening parties or go to summer camp,8 what if something happened to me?

    As I got older, the list of things to 9 got longer. I became a natural 10. I was concerned about things like getting cancer, losing my wallet, being caught in car accidents and earthquakes —11 big and small, real and 12.The funny part is that you'd never know it by looking at my life, because I'm constantly 13 myself to do the things that frighten or worry me. In fact, I've developed a 14 for myself: If it scares me, then I have to do it 15 once. I've done lots of things that would have 16 my mom: I've ridden a motorcycle, I've traveled alone, and I've performed stand-up comedy.

    Courage isn't a natural attribute (品质) of human beings. I believe that we have to practice being courageous. The more 17 I do things that scare me or that make me 18, the more I realize that I can do a lot more than I originally thought I could do.

    Even though I inherited (经遗传获得) my mother's cautious19, I've also come to believe that fear can be a good thing, if we 20 it. Believing that has made my world a less scary place.

    My dad is my hero because he is brave, skilled，and respectful. I know many people say their dads are their heroes, but my dad 1 me about becoming a man, which is 2 important for a young boy.

    Respect goes a long way with my dad, as does patience. As a(n) 3 ，my dad must  4 people every day, some of whom are nice and some are not. Either way, he 5  his well-mannered attitude.

    Dad is not afraid of many things, or if he is, he doesn't tell me 6  he wants to seem tough. He may not be a big guy but since he works with his 7 all day, he is very strong. Dad works outdoors in all kinds of 8 but the worst thing he has to do is 9up and work in an attic (顶楼) in the middle of the summer. Trust me. That is the 10 place you will experience as an electrician and when you come back11, what is in your lungs will make you12for hours.

    My dad and I have a very good 13. We talk about almost everything. We go hunting, fishing, and everything a dad and son would do. My dad and I enjoy hiking 14 because it gives us time outdoors together and there is nothing like that. He has15 and taught me everything I need to know about16.

    I am17  to be the son of Mike C., and would not have it any other way. People come up to me all the time to18me I have a good dad. It makes me feel 19 that a lot of people think so 20 of him. He is a good teacher of my life and would do anything for me. This is why my father is my hero.

    When I was 7 months pregnant with my daughter, I witnessed a car accident. Someone and I1to get the elderly lady who2the accident out of the car. It was during the summer months and I was one of the few3staff on. I stayed with her4the ambulance came but I couldn't travel with her as there was no one else in my department to5the class.

    My mother-in-law,6years later, was collecting donations about a 10-minute walk from where the7occurred. She left calling cards saying she would be back to houses where no one was in. When she8to a house an elderly lady was really9of talking to her. She questioned my mother-in-law and asked if she had any10called Rose-Marie.

    The lady had made a11with my surname (姓) she had remembered from all those years ago and my mother-in-law' surname. The lady12the story to my mother-in-law and told her of my13. She also said she had tried to14me down and even put a notice in the petrol station nearby asking anyone who15me to get in touch with her! She had also been16about me as I was pregnant.

My mother-in-law was17to tell her my daughter was healthy and 10 years old. It is a really beautiful kindness to me to18remember me after all that time and to even remember my19. Her kindness touched me more than20could possibly touch her.

If you ask 100 people what subjects they wish they had been taught in school, there is a chance that the vast majority of them will complain about the lack of personal finance education. In my case, I did learn a bit about financing while in school — just not in the classroom. One of my earliest lessons on the basics of budgeting came from an unlikely source: the cafeteria.

My lunch budget was a set amount each week. Without a plan, it would be all too easy to blow through the budget long before meeting all expenses. Therefore, my very first budgeting lesson was to make a budget well. A bit of simple arithmetic (算术) helped me determine exactly how much money I could spend each day if I wanted to actually have lunch all week. 

Besides, my school had relatively diverse lunch offerings. You could not only get the common hot school lunch but also find many other foods of varying attractions. As far as I was concerned, what attracted me most was the ice cream. Unfortunately, I couldn't blow my daily lunch budget on ice cream. And I'd already figured out that splurging early in the week made for a rough time for the rest of the week. Hence, I learned my second important budgeting lesson: save for a goal. Because of this lesson, when Friday rolled around, I would have just enough left over for a wonderful lunch and the highly desirable ice cream. 

Nowadays, my budget is a bit more complicated than the lunch budget in the past. Although I no longer have to save my pennies for a frozen treat, budgeting my money today uses the exact same skills I learned all those years ago. Actually, whether you're budgeting for school lunches or credit card bills, the basics remain the same. And it's never too early — or too late — to learn how to make a proper budget.