1、Making Yourself a Good RecordIf you are an American and you think you might need to borrow money someday, the best thing to do is start early.Thats because just at many employers want to hire only people with experience, banks and other creditors are usually reluctant to lend to those without a prov
2、en track record1 paying back, on time, the money they have borrowed.But if you need experience just to get a start, how do you get that stat in the first place?With a little help from your parents usually, while you are still financially dependent on them. It is easy to get a credit card or student
3、loan when you are in college, because banks figure your parents will bail you out if you fail to pay.So just as students take on internships to build up their resumes, ones university time can be a good time to work on another important personal record: the creditreport .Credit reports are a summary
4、 of ones personal credit history, gathered by a credit reporting agency, or CRA.Banks and companiesincluding hospitals, landlords and insurance companiesregularly report to the three main CR As in the US on how their customers are doing at paying back the money they owe .Anyone with a “legitimate bu
5、siness need” has the right to order individuals reports from the CRAs. Potential creditors usually compile the information in the reports into a credit “score”, ranking the level of creditworthiness. Lack of experience in borrowing in addition to a bad record of doing so, can result in a low score2.
6、Even if you are not considering taking out a loan for such a large purchase as a home or car, your credit report can be important to getting through life. Landlords often ask for the reports to judge whether a person can be trusted to pay the rent. Credit checks are necessary for getting a credit ca
7、rd, even for purchasing a mobile phone calling plan.People can obtain a copy of their own credit report, usually at a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes that have slipped into the record or, even worse, to find out w
8、hether any fraud has taken place. Though the system is controlled by laws meant to protect peoples privacy, it isnt fool-proof: Sometimes people take out bad loans in others names, ruining their records.In a society addicted to credit, that can be a disaster.Pretty GoodWhen Spanish football club Bar
9、celona paid US$35 million for Ronaldinho last summer, they werent buying a pretty face. “I am ugly ,” admits the Brazilian superstar. “But everyone has got a different kind of beauty. What I do have is charm.”Indeed he has. His buck teeth1, flowing hair2, big smile, and of course his amazing skills
10、are always eye-catching3 on the pitch. The 23-year-old striker scored two goals in a 3-2 win over Deportivo La Coruna on March 1. It was Barcelonas sixth win in a row and, thanks to their Brazilians 10-goal contribution, what looked like a poor season could now end a success.Ronaldinhofull name Rona
11、ldo De Assis Moreirais one of many South Americans who learned their skills playing in the backstreets before showing them off4 on the world stage.Great things were expected when Gremio signed him as a seven-year-old5, and he soon became friends with Ronaldo, who was then the other young star of Bra
12、zilian football. It was Ronaldo who first called him Ronaldinho, which means Little Ronaldo, and the name stuck6. He first played for his country in 1999 but it was at the 2002 World Cup where he showed his real worth, scoring an unbelievable free-kick in Brazils quarter-final victory over England.“
13、I have never failed to deliver in big matches,” Ronaldinho says. “My game is based on improvisation. Often a forward does not have the time to decide whether to shoot or pass. It is instinct that gives out the orders.”While he may not have David Beckhams good looks, Ronaldinho has a playboy reputati
14、on off the pitch. At former club Paris Saint Germain, which sold him to Barcelona, he broke club rules by going out and enjoying the citys nightlife.7“Without doubt, Ronaldinho is the most difficult player I have ever come across,” says former PSG coach Luis Ferdandez. “The main problem for any coac
15、h is that one player without discipline can hurt the whole team.”But Ronaldinho doesnt think he has done anything wrong. “I am just a young person who enjoys life ,” he says.Where Have All Our Visitors Gone?Sixty years ago, a man named Kenneth Arnold saw something that people are still seeing today
16、-something that changed popular culture for ever.Flying his plane over mountains in the US state of Washington, he saw a line of strange objects, either crescent -shaped or disc-like, flying with the motion of a saucer skimming on water.The media soon picked up on the story - the Flying Saucers were
17、 here1! Was the earthbeing visited by creatures from another planet? Soon, so many sightings were made thatthe US military began to investigate It called these strange objects UFO2s UnidentifiedFlying Objects, and that is how they are known 5 today.Military investigations found no evidence of visito
18、rs from outer space. But that did not stopthe true believers The military were covering up, they said. Or maybe itwas because the travelers from space were of such superior intelligence that they could hidefrom the most sophisticated military analysts.People have always seen strange lights in the sk
19、y. In the past these were explained in religious ways. In a world where religion was less influential and science fiction waspopular, signs from god were replaced by visitors from other planets.The date of the first UFO signings was also significant. In 1947, World War II had justended and the cold
20、war was just beginning. Humanity seemed locked in endlessconflicts. Like generations before them, people looked to the skies for help. But instead of seeking God, they looked for help from super-intelligent aliens with advanced technology. Belief in UFOs became the first religion of science.However,
21、 even people who believe in UFOs are not quite sure why they visit the earth. Theuniverse is a big place and it is reasonable to assume that there is life somewhere out there.It is possible that aliens have worked out how to travel through space. Yet some people reportthat they have been taken by al
22、iens and have had experiments performed on them. Whywould anyone travel across half the universe to conduct medical experiments on people living in small towns in the United States?Why people use pseudonymsYou cant choose the name you are given at birth,but in many countries you can change itlegally
23、 when you reach adulthoodOf course,most people never change their names even if they feel unhappy about themHowever, some people do take this course of actionparticularly artists! What makes an artist want to change their name? Sometimes its for purely personal reasons,such as the Nobel Prize winnin
24、g poet from Chile,Neftali ReyesHe didnt want his father to know he was writing poetry, so he changed his name to Pablo Neruda when he was a young manAt other times the reason may appear eccentric;take the case of the Portuguese poet Fernando Pessoa,who wrote under 75 different namesThe reason? “When
25、 I use a different name,I always write in a different way,”he explainedIn moqqqqqst cases,however, the reason is for social,historical,political,or cultural reasonsHere are some of the most common:The persons real name is just too long and difficult to rememberLets be honest,Madonna Louise Ciccone i
26、s not as easy to remember as just plain“Madonna”And short names are much easier to remember: William Bradley became Brad Pitt and Edson Arantes do Nascimento became Pele.Sometimes names are changed for marketing purposesFor example,if a name sounds too“foreign”,it may be changed to something that is
27、 more recognizable in a marketSo in the film world,Ramdn Estevez adopted the name Martin Sheen Or maybe the artists real name doesnt sound very attractiveChad Everett does sound a lot better than Raymond Cramton.Artists sometimes choose the name of someone they admire. Robert Zimmerman changed his name to Boo Dylan because of his admiration for the Welsh poet,Dylan ThomasAnother reason may be practicality:in the past,women found it very difficult to get publishedTo admit this situation t
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