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Blaming credit cards f young adults' money woes is popular these days; high-school and college students are putting way too many college expenses and other charges on their cards, the thinking goes. World of warcraft gold, But as credit-card issuers and Congress race to crack down on over-browing, do we risk barring the do so tightly that teens miss out on opptunities to learn financial responsibility? replica rolex, In a recent article that bucks the popular wisdom about teen credit-card use, my colleague Karen Blumenthal cites a study that suggesting credit cards may be merely a scapegoat f a lack of family communication about money. Kids with credit cards aren't the reckless spendthrifts they've been ptrayed to be the study shows. College freshmen with credit cards carry only a $169 balance, on average, says this 2,000-student study at the University of Arizona. And me than 60% of the credit-card holders demonstrated exemplary credit management skills, paying the bill in full every month. maple story mesos, To be sure, 70% of all the students surveyed (which included both teens with and without cards) showed bad financial judgment at times, failing to pay bills on time, maxing out credit cards taking payday loans. But the credit-card holders were no me less likely to commit these errs than students who lacked plastic. ,Instead, the significant fact was whether students had good communication about money with their parents; those who did, also had me control over their finances. Wow Power Leveling, Thus the current Congressional crackdown on teen credit-card use may amount to barring the wrong do. A new federal law that takes effect next year tightens rules governing credit-card issuance f people under 21. Banks and colleges are on the same path, sharply reducing teen access to credit without adult co-signs. maple story mesos, The rules will hamper young adults who are ready to take me personal responsibility f their financial decisions, Karen says. In a pre-emptive strike I'm planning to emulate with my 18-year-old son, Karen has persuaded her 19-year-old daughter to get a credit card befe the new federal legislation takes effect. Managing the card will not only enable her to earn a good credit recd, but give her room to make her own mistakes when the consequences and dollar amounts are low, Karen says. We've posted befe on the challenges of encouraging your kids to learn money management in a recession and on teaching teens to spend responsibly. Readers, would you let your teen have a credit card? If you do, how would you teach them responsibility? Any pitfalls to avoid, in your view? wow power leveling, Blaming credit cards

My 15-year-old is disinclined to work for her GCSEs, saying her time is better spent preening herself in preparation for assignations with her delightful, diligent, privately educated, moneyed boyfriend. She insists the money spent on nail-painting, hair-colouring and the like is an investment and will be more than repaid when he marries her. Is she deluding herself? wow power leveling, 　　Dear Curious Mother, 　　Surprising as this may seem in the 21st century, your daughter's strategy is not unusual. Evidence on speed-dating gathered by the economists Michèle Belot and Marco Francesconi shows that women are attracted by rich men, while men focus more on a woman's physical appearance. Lena Edlund, another economist,has found that in the areas of her native Sweden where the wealthiest men live, women of prime marriageable age are over-represented。 replica rolex, 　　However, your daughter is only 15; for Edlund, “prime marriageable age” is 25-44. Your daughter is either going to have to get her hooks into this chap unusually early, or she is going to have to keep him on the boil for another decade – a lot of nail-painting。 　　Not only is she concentrating her investments into a single asset by abandoning her education, but she may even be making her main goal harder to achieve. Belot and Francesconi discovered that a strong social trend towards “assortative mating” means that although educated, high-achieving men are not interested in marrying a rich woman, they do like educated high-achieving women, rather than shallow girls with shiny nails。 replica rolex, 　　Your daughter should learn to work hard and look good at the same time. Not only will it advance her immediate goals, it will also – sadly – stand her in good stead for the rest of her life。 Unless we spend money to spot and prevent asteroids now, one might crash into Earth and destroy life as we know it, say some scientists. 　　Asteroids are bigger versions of the meteoroids that race across the night sky. Most orbit the sun far from Earth and don’t threaten us. But there are also thousands of asteroids whose orbits put them on a collision course with Earth. replica rolex, 　　Buy $50 million worth of new telescopes right now. Then spend $10 million a year for the next 25 year5s to locate most of the space rocks. By the time we spot a fatal one, the scientists say, we’ll have a way to change its course. 　　Some scientists favor pushing asteroids off course with nuclear weapons. But the cost wouldn’t be cheap. replica rolex, 　　Is it worth it? Two things experts consider when judging any risk re: 1) How likely the event is; and 2) How bad the consequences if the event occurs. Experts think an asteroid big enough to destroy lots of life might strike Earth once every 500,000 years. Sounds pretty rare—but if one did fall, it would be the end of the world. “If we don’t take care of these big asteroids, they’ll take care of us,” says one scientist. “It’s that simple.” 　　The cure, though, might be worse than the disease. Do we really want fleets of nuclear weapons sitting around on Earth? “The world has less to fear from doomsday rocks than from a great nuclear fleet set against them,” said a New York Times article. World of Warcraft power leveling, A curious mother My 15-year-old is disinclined to work for her GCSEs, saying her time is better spent preening herself in preparation for assignations with her delightful, diligent, privately educated, moneyed boyfriend. She insists the money spent on nail-painting, hair-colouring and the like is an investment and will be more than repaid when he marries her. Is she deluding herself? 　　A curious mother

The view over a valley of a tiny village with thatched（草盖的）roof cottages around a church; a drive through a narrow village street lines with thatched cottages painted pink or white; the sight in parts of England.Most people will agree that the thatched roof is an essential part of the attraction of the English countryside. world of warcraft power leveling, 　　Thatching is in fact the oldest of all the building crafts practiced in the British Isles（英论诸岛）. Although thatch has always been used for cottage and farm buildings, it was once used for castles and churches, too.　　 　　Thatching is a solitary（独自的）craft, which often runs in families. The craft of thatching as it is practiced toady has changed very little since the Middle Ages. Over 800 full-time thatchers are employed in England and Wales today, maintaining and renewing the old roofs as well as thatching newer houses. Manyproperty owners choose thatch not only for its beauty but because they know it will keep them cool in summer and warm in winter. replica watches, 　　In fact, if we look at developing countries, over half the world lives under thatch, but they all do it in different ways. People in developing countries are often reluctant to go back to traditional materials and would prefer modern buildings. However, they may lack the money to allow them to import the necessary materials.Their temporary mud huts with thatched roofs of wild grasses often only last six months.Thatch which has been done the British way lasts from twenty to sixty years, and is an effective defiance against the heatThe researcher organized an experimental tournament（锦标赛）involving four youth teams. Each match lasted an hour， divided into three periods of 20 minutes during which different referees were in charge. replica watches, Observers noted down the referees’ errors， of which there were 61 over the tournament. Converted to a standard match of 90 minutes， each referee made almost 23 mistakes， a remarkably high number. The researcher then studied the videotapes to analyse the matches in detail. Surprisingly， he found that errors were more likely when the referees were close to the incident. When the officials got it right，2moons dil, they were， on average， 17 meters away from the action. The average distance in the case of errors was 12 meters. The research shows the optimum（最佳的）distance is about 20 meters.replica watches, There also seemed to be an optimum speed. Correct decisions came when the referees were moving at a speed of about 2 meters per second. The average speed for errors was 4 meters per second. replica watches, If FIFA， football’s international ruling body，wants to improve the standard of refereeing at the next World Cup， it should encourage referees to keep their eyes on the action from a distance， rather than rushing to keep up with the ball， the researcher argues. replica watches, He also says that FIFA’s insistence that referees should retire at age 45 may be misguided. If keeping up with the action is not so important， their physical condition is less critical. Thatching is a solitarycraft,

For any given task in Britain there are more men than are needed. Strong unions keep them there in Fleet Street, home of some London’s biggest dailies, it is understood that when two unions quarrel over three jobs, the argument is settled by giving each union two. Thru means 33 per cent over manning, ,33 per cent less productivity than could be obtained. A reporter who has visited plants throughout Europe has an impression that the pace of work is much slower here. Nobody tries tm hard. Tea breaks do matter and are frequent. It is hard to measure intensity of work, but Britons give a distinct impression of going at their tasks in a more leisurely way.rolex, But is all this so terrible? It certainly does not improve the gross national product or output per worker. Those observant visitors, however, have noticed something else about Britain. It is a pleasant place. Street crowds in Stockholm. Paris and New York move quickly and silently heads down, all in a hurry. London crowds tend to walk at an easy pace (except in the profitable, efficient City, the financial district). World of Warcraft power leveling, Every stranger is struck by the patient and orderly way in which Britons queue for a bus; if the saleswoman is slow and out of stock she will likely say,‘oh dear, what a pity’; the rubbish collectors stop to chat and call the housewives“Luv”. Crime rises here as in every city but there still remains a gentle tone and temper that is unmatched in Berlin, Milan or Detroit.It short, what is wrong with Britain may also be what is right. Having reached a tolerable standard, Britons appear to be choosing leisure over goods.56. What happens when disputes over job opportunities arise among British unions?A) Thirty-three per cent of the workers will be out of workB) More people will be employed than necessaryC) More jobs will be created by the governmentD) The unions will try to increase productivity.57. rolex, What does the reporter who has visited plants throughout Europe think about Britain?A) Tea breaks do not affect the intensity of work in BritainB) Britons do their work in an unhurried sort of wayC) The pace of work in Continental Europe is much slower than in BritainD) Britons give the impression of working intensively58.“The breaks do matter” ( Para.2 Line 2) indicates tha they are an important aspect of the British way of lifeB) they are greatly enjoyed by British workersC) they can be used by the workers as excuse to take time off from workD) they help the workers to be on good terms with each other59.rolex, ,The word“this” (Para.3 Line.1) refers to the fact tha there are more men on any given job than are neededB) 33 per cent over manning leads to 33 per cent less productivityC) it is difficult to measure the intensity of workD) Britons generally do not want to work too hard60. By“what is wrong with Britain may also be what is right” (Para.6, Line.1) the author means to say tha quarrels between unions will help create jobsB) a rolex, leisurely way of life helps Britons increase productivityC) the gentle tone and temper of the people in Britain makes it a pleasant placeD) Britons will not sacrifice their leisure to further in crease productivityPassage,rolex, Street crowds in Stockholm.

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