可可電臺，每期節目一話題，讓英語磨練耳朵的同時學到更多有益的小知識，豐富知識的同時受益于生活。

人生忠告

Incur less debt.

少借債

Incur less debt.

少借債

Don't buy things you don't need and think long andhard before getting a credit card. No matter what they tell you, it's not freemoney, and no matter how high the limit, you shouldn't go blow it all on designer duds and a fancy vacation. Debt sucks in any form. Instead, focus onbuilding a solid credit history and credit score so you can finally nab akiller interest rate when you go sign a mortgage.

不要買你不需要的東西，在申請信用卡前要三思而后行。無論推銷人員怎么宣傳，這些都不是“免費的午餐”。無論卡的最高限額到多少，你都不應該把錢花在購買高級服裝和奢侈假期上。不管從哪個角度看，欠債都不是好事兒。相反的，你應該把精力專注在建立良好信用記錄和信用積分上，這樣當你需要貸款時，你就能獲得最低利率了。

Wear more sunscreen.

多涂防曬霜

Basking in the rays may pay off in the short runwith a glistening tan, but in the long run it leads to age spots, wrinkling andsagging of the skin. So grab the SPF year-round, reach for self-tanner or just embrace your skin tone for what it is.

沐浴在陽光下可能會讓你在短期內擁有閃耀的古銅色肌膚，但長期如此的話，會導致老年斑、皺紋和皮膚下垂。所以要全年涂防曬霜，用其他方法去獲得古銅肌膚，或者欣然接受你本身的膚色。

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