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．

    Five million people visit Grand Canyon in the US every year. For the purpose of helping project Grand Canyon for your fellow visitors and future generations, please follow the guidelines below.

   Camping

    To project the park, camping is allowed only within permitted campgrounds. Permits are required for overnight camping at the North Rim. Advance booking can be received by mail. Please write: Information Center, P.O. Box 129, Grand Canyon, AZ 86023

    Fires

    Because of the extreme fire danger, campfires are not allowed except at Mather and Desert View campgrounds. Collection of firewood is not allowed either.

    Hiking

    Please stay on permitted paths. Otherwise you may destroy desert plants. Pack out what you pack in, so you leave no signs of your visit. It is important to keep in mind that you are in a national park where wildlife exists.

    Weather

    The weather at Grand Canyon can change very quickly. With so much rock, lightning causes a particular danger during sudden summer storms. These storms also frequently bring floods inside valleys, a danger to hikers. Watch the skies and check daily weather reports.

    Wildlife

    Do not feed park wildlife. There have been a few cases at Grand Canyon National Park where deer were purposely shot because they ate plastic bags that left them sick and weak. Hungry deer can be danger and have kicked and bitten visitors at Grand Canyon. Some other animals will also beg and bite. For your own safety and the well-being of the animals, please do not feed wildlife, no matter how gentle they may appear.

    One of the most important things in the world is friendship. In order to have friends, you have to be a friend. But how can you be a good friend at school?

    Listen — Listen when they are talking. Don't say anything unless they ask you a question. Sometimes it's not necessary for you to have anything to say; they just need someone to talk to about their feelings.

    Help them — If your friend is ever in need of something, be there to help them. You should try to put them first, but make sure you don't do everything they want you to do. Try to take an extra (额外的) pencil or pen with you to classes in case (以防) they forget one. Have a little extra money in your pocket in case they forget something they need.

    Be there for them — Try to make something for your friend to help make them feel better in hard times. Making cards and encouraging them are among the nicest things you can do for a friend. Marilyn Monroe, a famous U.S. actor, once said, “I often make mistakes. Sometimes I am out of control. But if you can't stay with me at my worst, you are sure not to deserve (值得) to be with me at my best.” Always remember this! If you don't want to stay with your friends when they're in hard times, then you don't deserve to be with them when they're having a good time!

    Make plans — Try to make plans with your friends. Go shopping, go for ice cream, have a party, go to a movie and so on. Take time to know each other even better by doing something you both enjoy. By planning things together, you both can have a good time. And you'll remember these things when you're all old!

The situation is that familiar — deadlines are approaching, time runs out, disorder and confusion fills the day. The feeling is just as familiar — a slightly faster heart rate, and shortness of breath. Yes, it is panic time.

    It's too late to kick yourself with "I should have started on this sooner." or "It was a mistake to accept this tight deadline." The only thing left to deal with the situation is to panic more efficiently.

    ① Focus.

Panic happens when you are on an overload — too many things to do, too much pressure, too little time. But if you focus on the tasks that you need to take care of, and line them up in a logical list, you can have better control of a highly stressful and wild situation.

    ② Get rid of distractions.

    Time wasters and unnecessary activities are the last things you need during this time. Let everyone know you are on panic mode and should not be disturbed unless it is an emergency.

    ③ Watch your time.

    Don't be too engaged in one detail so that you reduce your timing for the other important details. Mind the time and deal with each task so that you can finish all of the required activities sufficiently.

    Try to solve a panic situation as quickly as you can so that you can rest and get back your energy and strength for the next one.

    If you frequently travel for business, Staybridge Suites offer you a range of home comforts. Four recent visitors to Staybridge Suites explain why they booked, what they enjoyed and what made them want to return.

Claire Metcalf

    "The concept is great, but the staff are the ones who really make it." she says. "It takes a lot of discipline to always be friendly, but the staff at Staybridge Suites do that. They genuinely care about you. "

Andrew Roberts

    "One of the best things is having my own kitchen. I often end up working late and I don't fancy eating in a restaurant on my own, so cooking for myself is a big drawcard. "

    "The main thing for me is being able to cook and have my own little flat. The staff are amazing. It is great to be recognized by them, "he says.

Pauline Robinson

    "What I love about it is the way that you are treated by the staff," she says. "Some of the staff have been there all that time and they do look after you well. As a woman staying on my own, it is reassuring that they look out for you, and recently when I was poorly depressed they even brought things I needed to my room. "

Ryan Ruckledge

    "The fully-equipped kitchen is great. I always have a one-bed apartment so I have a separate kitchen and dining room and I'm able to relax and cook some meals. Eating out can feel a bit much when you do it day in and day out—it makes you hate what you do—and I don't want that. "