1 . As you shop online, you may be drawn to digital ads with curvy(圆角)designs without even realizing it. According to a new study from the University of South Florida, consumers click on curvy call-to-action buttons, such as “Shop Now” or “Add to Cart”, at a significantly higher rate than those with sharp angles.

“It’s actually rooted in natural instincts(本能),” says Dipayan Biswas, professor of marketing. “According to research from different disciplines, our natural instincts send us signals that sharp angles usually indicate danger and that we’re more likely to get hurt. In contrast, curvy designs are perceived as friendlier and more approachable.”

This feeling leads people to subconsciously prefer things, including digital ad designs, which are soft-edged and curvy. As published in the Journal of Consumer Research, Biswas tested this concept through click rates and eye movement studies in the Muma College of Business Customer Experience Lab. The novel findings reveal how the shapes of virtual elements can subconsciously influence click-through rates.

“We studied a hotel search button and we consistently found the click rate was higher when the elements were curved,” Biswas says. “It translated to an increase of nearly 15percent in total revenue(收入).” According to Biswas, this means companies can potentially manipulate consumers as they will unconsciously click and spend more through the use of curved call-to-action buttons. For companies that put little thought or reasoning behind their design element choices, this study could be eye-opening for them.

For shoppers, this means when they’re surfing the web around a holiday shopping season, they are subject to the marketing practice, such as design elements, which can lead to more unplanned purchases. Biswas encourages online shoppers to set a budget to balance such digital influence. “Having a budget will give you a benchmark to keep things more conscious-oriented and you’re less likely to be influenced by variables like these.”

3 . Socially, few things are more annoying than someone repeatedly checking their phone in the middle of your conversation with them. Soon enough, you’re having unhappy thoughts, thinking of their way like, I’m boring you; you’re more concerned with whoever’s on that phone than me; you don’t care about me. None of that is necessarily true, but this is: “If someone is engaged in a great conversation, they wouldn’t care about their phones,” says Leslie, a psychologist and researcher at NYU.

Do you sometimes wonder: What should I have said to a rude person like this? What if we have to talk to such maddening persons? Experts have advice about how to deal with this.

Whether you say something or not, remember that the cell-addict’s annoying habits aren’t about you. “It’s rude, for sure, but sometimes we mistake the behavior for more than what it is,” says Leslie. “It’s possible that they are facing something tough and merely experiencing nervousness or anxiety,” he adds. It’s also possible that their partner is stuck with a flat tyre (轮胎) or their kid is sick in hospital. The point is that you don’t know.

So before you become angry at the cell-addict’s open rudeness, focus instead on building a better conversation than whatever’s going down on Instagram. You might never be able to achieve this, given the power of today’s social media, so if you’re close enough to a person, Leslie advises you to directly ask them: “What’s on that thing that’s so interesting?” Chances are that they will apologise at once and quickly put the phone away. But if the answer is something real, talk about it. Better yet, you can avoid the situation in advance by saying something like, “I’m really interested in catching up properly, so how about we leave our phones in the car?” If they indeed have that flat tyre or sick kid, at least you won’t have to assume that it’s because your stories are boring.

Take Care of our Eyes and Avoid Myopia

We are living in an era of rapid technological development, where electronic products have become an indispensable part of our daily lives.

The Students’ Union

8 . American families don’t save money like they used to. In 2018 the personal saving rate was somewhere around 7%, which is well below the rate of a few decades ago.

There are a lot of potential explanations for this. Wage growth has slowed while necessities such as housing and medical care have grown more expensive. The rise of easy credit has made overspending easier than ever. And the number of people who make a budget is decreasing.

Now, a team of U.S. and Canadian economists have proposed a new explanation for the declining savings rate, one rooted in individual psychology. At its heart lies a simple observation: Spending is a lot more visible than not spending. Humans are social creatures, and we have a tendency to evaluate our own standing in life relative to how our friends and neighbors are doing. We want to keep up with the Joneses, and stay ahead of the Smiths. Because of this, when we see other people spending money we have a tendency to believe that we can — or should — be spending too. Nowadays, changes in the media landscape have made other people’s spending more visible than ever. That, in turn, is making all of us spend even more — and save even less.

David Hirshleifer, one of the economists, said that “it’s easy to think that you’re saving enough because you are not throwing luxury parties or taking expensive journeys the way some people you know are.” But, he warned, “those journeys and parties may not really be typical of your acquaintances — they just stand out in memory.”

The economists imply that finding ways to make non-spending more visible might help individuals develop more realistic views of overall spending and saving behavior. “Make a special effort to notice when your friends are careful with money, such as holding on to their 15-year-old car,” Hirshleifer said.

10 . Picture this: you’re out to dinner with a friend who you know makes a lot more money than you do. When you open the _________, your heart sinks. There’s not a dish in sight that is less than $35, and even a soup is going to run you $18. You probably vow (发誓) to _________ dollar pizza slices the rest of the month to balance out this dinner. _________, this time, what if you just turned to your friend, closed the menu, and said, “Sorry, I have to be honest. I can’t afford this. Let’s go somewhere else?”

That’s the idea behind “loud budgeting”, a trend that could not only relieve you of the _________ burden, but help you deal with these sorts of stressful situations both mentally and emotionally. In an age when everybody is showing off nice things on social media and _________ to be something they’re not, it feels somewhat revolutionary to just tell the truth about what you can’t afford.

The term was first introduced by TikTok (抖音) comedian Lukas Battle. Battle explained his concept in an interview: simply put, loud budgeting is being _________ about what you do and don’t want to spend money on. Since his video, the concept has caught on rapidly among the _________, who are pointing out that it has come at a significant time when everything is uncontrollably expensive.

It’s not just a TikTok thing though. Even those in the financial services industry are on board with the _________. Nikolina Cuca, a financial advisor, says that she’s seen social media add pressure to her clients, causing them to spend _________ on luxury items. “There should be no shame about trying to match your spending to your means. This trend helps young people moderate spending by __________ the idea of living within budgets.”

Beyond just saving money, loud budgeting is also bringing people closer. Honest money talks lead to greater respect among friends and family. By __________ discussing money goals, people are creating stronger bonds based on mutual understanding for each other’s financial situations. And perhaps the most valuable part of the loud budgeting trend is that it provides a sense of __________. For example, if you tell a friend you are trying to cut back spending on drinks out, you are much __________ to stick with the goal than if you just keep it to yourself.

With its focus on being open, spending wisely, and building __________, loud budgeting is more than just a passing trend, but a cool way for the younger generation to __________ their finances. As more people adopt this approach, it is likely to stay a big part of how we handle money in the future.