可可电台，每期节目一话题，让英语磨练耳朵的同时学到更多有益的小知识，丰富知识的同时受益于生活。

人生忠告

Incur less debt.

少借债

Incur less debt.

少借债

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.

不要买你不需要的东西，在申请信用卡前要三思而后行。无论推销人员怎么宣传，这些都不是“免费的午餐”。无论卡的最高限额到多少，你都不应该把钱花在购买高级服装和奢侈假期上。不管从哪个角度看，欠债都不是好事儿。相反的，你应该把精力专注在建立良好信用记录和信用积分上，这样当你需要贷款时，你就能获得最低利率了。

Wear more sunscreen.

多涂防晒霜

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.

沐浴在阳光下可能会让你在短期内拥有闪耀的古铜色肌肤，但长期如此的话，会导致老年斑、皱纹和皮肤下垂。所以要全年涂防晒霜，用其他方法去获得古铜肌肤，或者欣然接受你本身的肤色。

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