Notice

Youth League Committee

2 . With so much emphasis behind sharing personal information online for the sake of presenting our best digital selves, we seldom consider the various cyber threats that exist.

At the forefront of cyber attacks, which include everything from e-mail frauds (欺骗) to web and password attacks, it’s important to consider if investing in cyber insurance is appropriate for you.

While it is true that there are a number of online threats that affect everyday users, businesses tend to be the bigger targets. A common cyber attack against them usually comes in the form of ransomware (勒索软件) attacks and makes companies panic as they run the risk of losing their sensitive information while sending e-mails to their clients.

Small businesses are particularly attackable since they often don’t have a budget towards the prevention of cyber security threats, according to DataStream, a company that advises businesses to prevent attacks before they can occur.

“Threat actors often look for the low hanging fruit,” DataStream warns. “To them, no business is too small. All businesses hold sensitive data from customers and employees, including credit card information, e-mail addresses, and even competitive information or trade secrets.”

David Seidman has spent over 13 years as a cyber security expert. He has advised companies like Google and Microsoft in assessing and preventing cyber attacks. Seidman recognizes the faults in company-wide security that guards against hackers who often used advanced methods to trick vulnerable businesses.

“It takes a good team to set up the right alarms that catch a real attack but don’t trigger (触发) too often when no attack happens,” Seidman writes. “Catching this level of attacker can be done, but it’s not cheap. Attackers tend to be commercially motivated, looking to steal credit cards, passwords and other profitable data.”

As a freshman in college, Chelsea Fagan got her first credit card. Without really     1    (understand) how the credit system works, she maxed out her credit limit and     2    (throw) out the card without paying the bill. She ruined her credit.

To prevent credit ruin from happening again, Fagan started a personal blog    3    (track) her budget. The blog has turned into The Financial Diet,     4    is now a platform about “personal finance and living better” and aims to open the conversation about money, share advice    5    educate young adults.

Now Fagan runs The Financial Diet with Graphic Designer Lauren Ver Hage. Their team     6    (make) up of another five women and multiple guest contributors. Anyone who has something to share about anything related    7    money can submit a blog post and end up being published. This allows for plenty of opinions,     8    (experience) and tips. Aside from money, the topics include career tips, college finances, budgeting for your lifestyle and travel and how to manage your money to live your dream life.

    9     first smart money move you can make is to take advantage of this free and informative resource. Doing so won’t cost you any money but can     10    (final)save you some.

I still remember the day when we decorated the house, I was ten and it was two weeks before Christmas. I was looking forward to my presents. Since I’m the youngest in the family, all of the family members would give me a gift one way or another. Sometimes it was a cookie or a hug but it was always there. I was the only center of attention and it was feeling good.

My uncles usually would ask me what I wanted before Christmas and that year I knew what I wanted. It was the spaceship I saw in the ads. I was dreaming of opening a big gift box, and it was there. But that year it came in a way that I wasn’t expecting.

It was two weeks before Christmas. Just two weeks. She couldn’t wait. My dear mother told my father that it was time, and then we went to the hospital. After an hour, they told me that I had a sister now. But I didn’t want a sister. I wanted a spaceship. The next few days went so fast. No one was caring about me. Everyone was talking about her and I knew that my life is never going to be the same ever again. I wasn’t ready to grow up, to be a big brother. But it just happened in an instant.

On the day before Christmas, everyone was in our home, talking only about my newborn sister. My family was becoming hers. Even my uncles didn’t ask me anything about the gift. She stole everything I’d ever had, my life and my presents. Thinking about this, I cried to sleep. I had a nightmare (噩梦) and woke up at the middle of the night. Shadows were all around me, and I was defenseless and so weak. I ran into my parents’ bedroom but couldn’t wake up my poor parents who were just too worn out. I was standing near their bed, trying not to cry when I saw her. She was awake and looking at me with her big eyes in her small bed.

Suddenly a long shadow came into the bedroom and she started crying.

After having comforted her, something slowly changed inside me.

7 . If you always sit indoors for too long, putting on weight may become a trouble. Tired of all that fat? If so, these sports can help you burn the most calories.

Running

“Running is one of the best calorie burners out there,” qualified personal trainer Daniel Saltos says. An average person can burn anywhere from 500 to 1000 calories in one hour of running. “Speed, pace, and tolerance are all factors that can impact this range. But running uses every muscle group in the body, allowing you to burn more calories.”

Swimming

“Swimming is a workout that produces the lowest impact on body while it still can burn 500 to 600 calories in just 30 minutes,” Saltos says. Swimming also improves heart health and increases strength—all great reasons for playing in the water.

Boxing

Not only is boxing a great way to release energy, but it also helps improve balance, builds up tolerance and strengthens the upper body and core. “Boxing helps you get a good calorie burn, too, with the average person burning up 400 to 800 calories in an hour session,” Saltos says.

Rowing

The pushing and pulling motion of rowing machines targets multiple muscle groups including the arms, core, and back, helping you to burn more calories. “An hour of rowing will burn 400 to 600 calories on average,” Saltos says.

8 . Many people believe that working to the maximum is the secret to success, but research has found that moderation(适度) also gets results on the job.

In a study led by Ellen Langer of Harvard University, researchers asked people to translate sentences into a new made-up language. Subjects who practiced the language moderately beforehand made fewer errors than those who practiced extensively or not at all. High levels of knowledge can make people too attached to traditional ways of viewing problems across fields the arts, sciences, and politics. High conscientiousness is related to lower job performance, especially in simple jobs where it doesn’t pay to be a perfectionist.

How long we stay on the clock and how we spend that time are under careful examination in many workplaces. The young banker who eats lunch at his desk is probably seen as a go-getter, while his colleagues who chat over a relaxed conference-room meal get dirty looks from the corner office. “People from cultures that value relationships more than ours does are shocked by the thought of eating alone in front of a computer”, says Art Markman, a professor of psychology at the University of Texas, Austin. Social interaction has been shown to lift mood(情绪) and get people thinking in new directions and in ways that could help improve any post-lunch effort.

Markman also promotes off-task time. “Part of being a good thinker is experiencing things that are seemingly unrelated to what you are working on at the moment but give you fresh ideas about your work,” he says. “Also, there is a lot of research showing that a positive mood leads to higher levels of productivity and creativity. So, when people do things to increase their life satisfaction, they also make themselves more effective at work.”