TTLearning September 2010 Magazine

2010年9月號

資訊月刊免費FREE

智勝教育● 2011全美百大名校排行● 淺談申請策略─系列文章二 Application Strategies – Part II● 請幫我寫推薦信吧！ Recommend Me!

智勝教育申請大學講座

第一場：Cupertino 時間：9月 11 日 ( 周六 )上午 10:30-12:30

地址 :10185 N. Stelling Rd. Cupertino, CA 95014 (Quinlan Center)報名專線 Register Hotline: 408-253-8300

●

第二場：Millbrae時間：9月 11 日 ( 周六 )下午 2:30-4:30

地址 :201 Adrian Rd. Millbrae, CA 94030 ( 世界日報活動中心 )

報名專線 Register Hotline: 650-312-8300

第三場：Fremont 時間：9月 12 日 ( 周日 )下午 2:30-4:30

地址：46650 Landing Pkwy Fremont, CA 94538 (Club Sport of Fremont)報名專線 Register Hotline: 510-623-0800

●

●

第四場：San Francisco 時間：9月 18 日 ( 周六 )下午 2:00-4:00

地址：100 Larkin St. S.F.,CA 94102 (San Francisco Main Library)報名專線 Register Hotline: 415-668-6686

●

主辦單位：智勝教育中心／北加州大專校聯會主講人 : Eddie LaMeire

講題 :「少數者勝出」─

美國一流名校申請的關鍵站在亞洲家長的觀點，美國大學申請絕非一場公平的競爭，尤其是一流名校。它的選擇過程中，充滿了許多亞洲家長不熟悉的方式，因為這種不熟悉，導致發生許多讓人遺憾的事實。如今又到了申請大學的季節，如何避免這樣的憾事發生，這場講

www.TTLearning.com

免費入場

座將帶你走進專業申請一流名校的領域，『好，還要更好』是講座的目的，透過專家的解說，讓我們攜手把孩子送進理想中的名校。

智勝教育中心發行

Cupertino(408)253-8300

San Mateo(650)312-8300

Millbrae(650)692-2838

Fremont(510)623-0800

San Francisco(415)668-6686

精心設計各科密集課程

授課

複習

解題考

試

經由循環模式

上千學生成功例證挑戰2400分成績目標

Irvington High School - Justine Yan 2400; Monta Vista High School -Tiffany Chang 2360; Saratoga High School - Daryl Chang 2350; Palo Alto High School - Jenny Hong 2340; Gilroy High School - Connie Kuang 2330; Cupertino High School - Haley Chen 2330; Lynbrook High School - Ariel Wang 2310; Lowell High School - Charlie Wu 2290; Lynbrook High School - Ryan Wen 2290; Mission San Jose High - School - Aileen Lu 2270; Monta Vista High School - Brian Le 2260; Aragon High School - D aniel Fu 2240; Mission San Jose High School - Michelle Lee 2240; Saratoga High School - David Chang 2240; Monta Vista High School - Richard Yu 2230; Mission San Jose High School - Grace Han 2230; Aragon High School - Alice Liu 2230; Monta Vista High School - Amy Desalazar 2220; Mission San Jose High School - Emily Han 2220; Venicia High School - Victor Chen 2220; Saratoga High School - Joshua Liu 2200; Monta Vista High School - Frances Wu 2220; Saratoga High School - Anthony Su 2210; K .M 2400; C . C 2370; Y . C 2370; B . D 2350; A . R 2350; G. T 2340; A .W 2310;N . P 2300;L .W 2300; R . Y 2290; C .M 2270; D . H 2270; S .W 2260;L . C 2260; H .W 2250; M.Q 2250; G. F 2240; S .W 2240; C . Z 2240; W. T 2230; S . B 2230; J . L 2230; K . L 2230; K . S 2230; P .G 2220;B . C 2220; S .M 2220; B . N 2220; W. T 2220; S .W 2220; E . K 2220; A . J 2220; A . C 2220; C . C 2220; M. P 2220; T . N 2220; B . D 2220; G. F 2220; J . L 2220; D . L 2210; K .M 2400; C . C 2370; Y . C 2370

智勝教育 www.TTLearning.com

★名校申請包裝計劃報名中★課後輔導班★1-1家教

2320 2310 2310 235023302330234023502400Lynbrook HighLowell High

2320Lynbrook High

Austin Chen

2360Mission S. J. High

Brian Ning

2320Mission S. J. High

Aileen Lu

2310American High

Robin Zhou

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2010年9月號

教育

˙「美國新聞與世界報導」 5 2011年全美大學排行出爐

全美公立大學第一名柏克萊加大

˙2011全美百大名校排行 6 National University Rankings

˙淺談申請策略─系列文章二 8 Application Strategies – Part II

˙請幫我寫推薦信吧！ 11 Recommend Me !

˙智勝看教育─ 節目預告 13˙感謝函 (Testimony) 15理財

˙必定適合您的生活─ 21 終生壽險一覽系列之一

˙Passing on An IRA 23 繼承個人退休悵戶

醫療保健

˙漫話中醫之長，西醫之短 25

目錄

3

創刊於2007年1月

出版者

智勝教育資訊月刊

總編輯

James Lu

編輯

Kelly Chen

文字校對/翻譯

Hsin Pai, Ming Pai, Chia-Ying Lee

地址

4701 Patrick Henry Dr., Bldg 14

Santa Clara ,CA 95054

電話

(408) 330-9300

傳真

(408) 516-8503

網址

www.TTLearning.com

www.TTLearning.cn(China)

本刊所刊文圖，版權所有，

作者文責自負，言論不代表本刊。

4

T

時間 Time: Cupertino 9月11日(周六)上午10:30-12:30 報名專線 register hotline: 408-253-8300

Millbrae 9月11日(周六)下午2:30-4:30 報名專線 register hotline: 650-692-2838

Fremont 9月12日(周日) 下午2:30-4:30 報名專線 register hotline: 510-623-0800

San Francisco 9月18日(周六) 下午2:00-4:00 報名專線 register hotline: 415-668-6686

地址 Address:10185 N. Stelling Rd., Cupertino, CA 95014 (Quinlan Center)

201 Adrian Rd. , Millbrae, CA 94030 (世界日報活動中心)

46650 Landing Pkwy, Fremont, CA 94538 (Club Sport Fremont)

100 Larkin St, San Francisco, CA 94102 (San Francisco Main Library)

美國一流名校申請的關鍵

智勝教育申請大學講座免費入場

講題:「少數者勝出」─

主講人: Eddie LaMeire

Topic: Top tier college admission

Free Admission主辦單位 :智勝教育中心／北加州大專校聯會

is the game of minority

站在亞洲家長的觀點，美國大學申請絕非一場公平的競爭，尤其是一流名校。它的選擇過程中，充滿了許多亞洲家長不熟悉的方式，因為這種不熟悉，導致發生許多讓人遺憾的事實。如今又到了申請大學的季節，如何避免這樣的憾事發生，這場講座將帶你走進專業申請一流名校的領域，『好，還要更好』是講座的目的，透過專家的解說，讓我們攜手把孩子送進理想中的名校。

From the viewpoint of Asian parents, the college admissions process is unfair, especially whenapplying to elite universities. Because most parents are unfa-miliar with the complex selection factors, many are disappointed by the results. Now that the college application season is here again, what can you do to prevent this heartache from happening? This seminar will walk you through the process of applying to top tier institutions. Our professionals will explain how best to prepare your children for admissions to the school of their dreams.

5

「美國新聞與世界報導」（U.S. News

and World Report ）周刊公布最

新的年度大學排行榜，在最新的201 1年全國

大學排名，柏克萊加大仍穩占全國公立大學

的第一名；在加大系統中，除了柏大，還另外

五所分校，都打進最佳公立大學的前11名。

2011年大學排行榜評分最大改變是畢業率在總分

所占比重從往年的5%提高為7.5%，此舉對教授給分

嚴苛的加州理工學院、麻省理工學院、柏克萊加大

與洛杉磯加大較吃虧，排名下滑。對加州而言，最

大改變當推南加大（USC）排名首度超越洛杉磯加

大（UCLA），且只落後柏克萊加大一名。

在包括私立大學在內的「全國最佳大學排名」

中，加州大學（UC）九所分校的排名依次為：柏克

萊加大22名，洛杉磯加大25名，聖地牙哥加大35

名，戴維斯加大與聖塔芭芭拉加大39名，爾灣加大

41名，聖塔克魯茲加大72名，河濱加大94名。

柏克萊加大與洛杉磯加大皆比去年（21、24）退

後一名，聖地牙哥加大與去年（35）排名相同，戴

維斯加大與聖塔芭芭拉加大比去年（42）進步三

名，爾灣加大比去年（46）進步五名。

另一方面，南加大的排名則從去年26名進步至23

名，排名首度超越洛杉磯加大，緊跟在柏克萊加大

之後，表現優異，尤其是它的商學院。

不過，南加大學雜費也遠比加大各分校貴得多。

加大本州學生學雜費介於1萬781元至1萬1984元之

「美國新聞與世界報導」2011年全美大學排行出爐

間，南加大學雜費4萬1022元。

再者，柏克萊加大與洛杉磯加大仍高居全美最佳

公立學校排行榜前兩名。聖地牙哥加大排名第七，

戴維斯加大與聖塔芭芭拉加大排名第九，爾灣加大

排名11，聖塔克魯茲加大排名29，河濱加大排名

41。

南加州的私立大學中，排名最高的是加州理工學

院（CIT ），與麻省理工學院（MIT）並列全美最

佳大學排行榜第七名。

在「全國最佳大學排名」中排行榜前17名清一色

都是私立大學，且多半是長春藤名校。哈佛大學重

奪第一名寶座，普林斯頓大學第二名，耶魯大學第

三，哥倫比亞大學第四，史丹福大學與賓州大學並

列第五，加州理工學院與麻省理工學院並列第七。

Dartmouth College與杜克大學及芝加哥大學並

列第九。西北大學第12，約翰霍普金斯大學與聖

路易華盛頓大學並列13。布朗大學與康乃爾大學

並列15。德州休士頓的萊斯大學與田納西州的

Vanderbilt大學並列17。

與南加大並列23名的是匹茲堡的卡內基美隆

（Carnegie Mellon）大學，與洛杉磯加大並列

25名的是維吉尼亞大學與北卡羅萊納州的Wake

Forest大學。華人子弟喜愛的紐約大學（NYU）名

列33。與聖地牙哥加大並列35的是喬治亞理工學

院。

全美公立大學第一名

柏克萊加大

6

RANK SCHOOL1 Harvard University2 Princeton University3 Yale University4 Columbia University5 Stanford University5 University of Pennsylvania7 California Institute of Technology7 Massachusetts Institute of Technology9 Dartmouth College9 Duke University9 University of Chicago

12 Northwestern University13 Johns Hopkins University13 Washington University in St. Louis15 Brown University15 Cornell University17 Rice University17 Vanderbilt University19 University of Notre Dame20 Emory University21 Georgetown University22 University of California, Berkeley23 Carnegie Mellon University23 University of Southern California25 University of California, Los Angeles25 University of Virginia25 Wake Forest University28 Tufts University29 University of Michigan, Ann Arbor30 University of North Carolina, Chapel Hill31 Boston College31 College of William and Mary33 New York University34 Brandeis University35 Georgia Institute of Technology35 University of California San Diego37 Lehigh University37 University of Rochester39 University of California, Davis39 University of California Santa Barbara41 Case Western Reserve University41 Rensselaer Polytechnic Institute41 University of California Irvine41 University of Washington45 University of Texas, Austin45 University of Wisconsin, Madison47 Penn State University, University Park47 University of Illinois, Urbana-Champaign47 University of Miami50 Yeshiva University51 George Washington University51 Tulane University

2011全美百大名校National University Rankings

RANK SCHOOL53 Pepperdine University53 University of Florida55 Syracuse University56 Boston University56 Fordham University56 Ohio State University56 Purdue University56 Southern Methodist University56 University of Georgia56 University of Maryland, College Park63 Texas A&M University, College Station64 Clemson University64 Rutgers University, New Brunswick64 University of Minnesota64 University of Pittsburgh69 Northeastern University69 University of Connecticut69 Virginia Tech72 Colorado School of Mines72 University of California, Santa Cruz72 University of Iowa75 Brigham Young University75 Indiana University, Bloomington75 Marquette University72 University of Delaware79 American University79 Baylor University79 Miami University79 Michigan State University79 SUNY, College of Environmental

Science and Forestry79 University of Alabama85 Auburn University86 SUNY, Binghamton University 86 Clark University86 Drexel University86 Stevens Institute of Technology86 St. Louis University86 University of Colorado, Boulder86 University of Denver93 University of Tulsa94 Iowa State University94 University of California, Riverside94 University of Missouri94 University of San Diego94 University of Vermont99 SUNY, Stony Brook99 Texas Christian University99 University of Dayton99 University of Massachusetts, Amherst99 University of the Pacific

7

RANK SCHOOL1 Williams College 2 Amherst College 3 Swarthmore College 4 Middlebury College 4 Wellesley College 6 Bowdoin College 6 Pomona College 8 Carleton College 9 Davidson College 9 Haverford College

11 Claremont McKenna College

RANK SCHOOL1 University of Pennsylvania (Wharton)2 MIT (Sloan)3 University of California, Berkeley

(Haas)4 University of Michigan, Ann Arbor

(Ross)5 New York University (Stern)5 University of Virginia (McIntire)7 Carnegie Mellon University (Tepper)7 University of North Carolina,

Chapel Hill (Kenan-Flagler)7 University of Texas, Austin

(McCombs)10 Cornell University10 Indiana University, Bloomington

(Kelley)10 University of Southern California

(Marshall)

RANK SCHOOL1 MIT2 Stanford University3 University of California, Berkeley4 California Institute of Technology4 Georgia Institute of Technology6 University of Illinois,

Urbana-Champaign7 University of Michigan, Ann Arbor8 Carnegie Mellon University8 Cornell University8 Purdue University, West Lafayette

11 Princeton University

RANK SCHOOL12 Vassar College 12 Wesleyan University 14 Smith College 14 Washington and Lee University 16 United states Military Academy 16 United states Naval Academy 18 Grinnell College 18 Hamilton College 18 Harvey Mudd College 21 Bates College 21 Colgate University

RANK SCHOOL13 Emory University (Goizueta)14 Ohio State University, Columbus

(Fisher)14 University of Illinois, Urbana-Cham-

paign14 University of Notre Dame (Mendoza)14 University of Wisconsin, Madison14 Washington University in St. Louis

(Olin)19 Georgetown University (McDonough)19 Purdue University, West Lafayette

(Krannert)19 University of Maryland, College Park

(Smith)19 University of Minnesota, Twin Cities

(Carlson)23 Pennsylvania State University23 Boston College

RANK SCHOOL11 University of Texas, Austin13 Johns Hopkins University13 Northwestern University13 University of Wisconsin, Madison13 Virginia Tech17 Pennsylvania State University,

University Park17 Texas A&M University,

College Station19 Rice University19 University of California, Los Angeles19 University of Maryland, College Park

2011 全美大學文理學院前20名National Liberal Arts College Rankings

2010 全美大學商學院前20名Best Undergraduate Business Programs

2010 全美大學工程學院前20名Best Undergraduate Engineering Programs

8

作者：Eddie LaMeire智勝教育中心資深教育諮詢顧問

淺談申請策略─系列文章二

現在馬上就要進入申請熱季了，12年級的申請

者們應該已經開始選擇想要申請學校了。如

我們上個月討論過的，要想提高申請的成功率就必

須要提前做好申請規劃。

上個月我們討論了兩種申請方式：正常申

請（Regular Decision）和提前申請（Early

Decision）。如果你還記得，正常申請是一種常規

申請方式：它具有明確的申請截止日期，申請者必

須在截止日期前提交申請，而一旦被錄取，申請者

還是可以選擇其它學校。提前申請則相反，只有某

些大學提供提前申請，而它的錄取率比正常申請要

高很多。一旦被錄取，申請者就必須就讀該校，不

能選擇其它學校。我們以范德堡大學 (Vanderbilt

University)為例：范德堡大學的正常申請錄取率為

18%，提前申請錄取率卻高達42%。特別要提醒的

是：不是所有大學都有提前申請方式，但所有大學

都提供正常申請方式。

這次我們再介紹其它的申請方式：滾動申請

（Rolling Admissions），提前行動申請(Early

Action)，以及第二次提前申請（Early Decision

II）。不是所有的學校都提供這些申請方式的，但

申請時，如果學校提供這樣的申請方式，那麼申請

者應該儘量利用。

滾動申請 (Rolling Admissions) 滾動申請不是最常見的申請方式，灣區的申請者

們當然也不常用這種申請方式。但是我們還是應該

瞭解一下滾動申請的概念。

整體來說，滾動申請就是：先來先得。採用滾動

申請方式的學校整個秋季或者直到早春都一直在接

收申請者的申請，只要還有名額就會錄取申請者。

這類學校有密蘇裡大學(University of Missouri)、

西頓霍爾大學(Seton Hall University)、塔爾薩大學

(University of Tulsa)。而密歇根大學(University of

Michigan)採用的是正常申請和滾動申請的混合申

請方式。

綜合排名前50的大學很少採用滾動申請方式。不

過，如果申請者申請的時候比較晚，已錯過了大多

數學校的截止日期時，那麼還可以申請那些採用滾

動申請方式的學校。

提前行動 (Early Action) 跟滾動申請不同，提前行動申請方式很受申請者

青睞。但是提前行動申請方式也分多種，申請者要

清楚它們之間的差別。

非限定性提前行動 (Non-restrictive EA) 這種申請方式是各種提前行動中最靈活的，但錄

取率並不比正常申請高多少。不過如果喜歡某所提

供非限定性提前行動的學校，只要其它申請的學校

允許，則申請者還是應該儘量採用該申請方式申請

該校。

採用非限定性提前行動的學校有芝加哥大學

(University of Chicago)、加州理工學院(Cal

Tech)、麻省理工學院(MIT)。採用這種申請方式，

申請者一般在十一月初時遞交申請，十二月中旬就

能知道申請結果了。不同學校的非限定提前行動的

錄取率會有所不同，但這種申請方式的錄取率仍然

比正常申請高一點。而且申請者被錄取後還是可以

選擇不就讀該校。

當然，採用非限定性提前行動也有一些不好。申

請的時間就是個問題。也許在十月SAT考試（非限

定性提前行動接收的最晚SAT考試時間是十月）之

前，申請者還沒有獲得理想的SAT分數。或者是不

管申請者在11年級春季的成績理不理想，秋季的成

績也來不及列入申請表中。除此之外，非限定性提

前行動還是值得申請者一試的。

9

■ by Eddie LaMeire ThinkTank Learning Senior Consultant

限定性提前行動 (Restrictive EA) 但是，不是所有申請者都可以採用非限定性提前

行動的。提供限定性提前行動的大學就不許學生提

前申請其他大學。史坦福大學(Stanford)、耶魯大

學(Yale)、波士頓學院(Boston College) 都採用的是

限定性提前行動，它們並不規定申請者一旦被錄取

就必須就讀該校，但用這種方式的錄取率稍微高一

點。比如耶魯大學的正常申請錄取率大約是6%，

限定性提前行動的錄取率大約是14%，這些數據跟

史坦福大學幾乎相同。

所以限定性提前行動的確給予了申請者一定的好

處，又不會限制他們錄取後一定要就讀，但是卻限

制了申請者提前申請其它學校（這裡不含那些提供

第二次提前申請的學校）。大家一定要謹慎選擇！

第二次提前申請 (ED II) 第二次提前申請是近年來才出現的申請方式，而

它也是最難理解的，但我們還是在這裡儘量解釋說

明。第二次提前申請和提前申請是一樣的，只是截

止日期和正常申請比較接近。為了解釋清楚，我們

來分析一下在何種情況下，申請者應該採用第二次

提前申請。

假如一個申請者在十一月初利用提前申請或者提

前行動申請學校，學校會在十二月十五日前告知

錄取結果。如果該申請者提前申請某所學校被拒

了，比如一個學生被賓夕法尼亞大學(University of

Pennsylvania)拒絕了，那他還有兩周的時間來準備

其它學校的第二次提前申請，比如紐約大學（它從

今年起採用第二次提前申請了），並有機會利用到

提前申請的好處。

如你所見，提供第二次提前申請的學校都是好學

校，但是主要針對的是提前申請中被一級學校拒絕

的申請者。目前提供第二次提前申請的學校並不是

很多，但越來越多的學校都加入了這個行列，比如

上面提到的紐約大學(NYU)，以及克雷爾蒙特麥肯

納學院(Claremont Mckenna)、艾莫里大學(Emory

University)和范德堡大學(Vanderbilt University)。

總結：規劃申請！

儘管看似不公平，但是確實申請者申請的成敗主

要取決於各種分數以外的因素，其中就包含申請策

略。所以應該提前規劃好採用何種申請策略。為了

保證將來能夠成功申請到理想的學校，智勝建議您

現在就開始思考如何規劃您的申請。

We’re moving into the college application season rather quickly, and by now seniors should have

begun the process of determining their college lists. As we reviewed last month, though, there is an approach to applying to schools that will enhance students’ odds of acceptance to a rather high degree: picking the decision plan under which they apply. We discussed two plans last month: Regular Decision (RD) and Early Decision (ED). RD, as you might recall, is a standard application plan: there is a set deadline, students must apply by this deadline, and there is nothing binding regarding the plan. ED, conversely, is available at only select schools, the acceptance rates are typically far higher than the RD acceptance rates, and students are locked into attending the school if they’re admitted. The example

Application Strategies – Part IIwe discussed for ED was Vanderbilt University, who admits about 18 percent of applicants for RD, but about 42 percent for ED. It is worth mentioning, of course, that all schools offer an RD plan. In this article, we will discuss the remaining application plans: Rolling Admissions (RA), Early Action (EA), and Early Decision II (EDII). Not all schools offer these plans, but a student can take significant advantage of those that do.Rolling Admissions RA is not the most common plan, and it certainly will not be too common among students from the Bay Area. However, it is worth reviewing for no other reason than to provide a basic understanding of the concept. RA can essentially be summed up in this way: First come, first served. The plan allows students to apply at almost any time during the fall or early spring, as long

10

as seats are not filled up in the incoming class. Colleges that operate under this plan include the University of Missouri, Seton Hall University, and the University of Tulsa. The University of Michigan is on a hybrid RD/RA plan. The majority of the schools that offer RA do not find typically find themselves ranked within the top 50 schools in the country. Regardless, if a student is interested in applying to schools rather late in the game, RA can be a helpful option.Early Action Unlike RA, EA is a plan that many of the students in the area will take advantage of. However, there are several EA plans about which students should be aware. • Non-restrictive EA This plan is the most flexible of all the EA options, and it doesn’t provide an enormous statistical benefit in terms of admissions. However, if a student is interested in applying to a school that offers this plan, the student should apply under it, unless another school prohibits them from doing so. Non-restrictive EA, offered at Chicago, Cal Tech, and MIT, is a plan that allows students to apply early – typically in early November –and receive a decision by mid-December. Depending on whose numbers you look at, there is a slight advantage to applying under this plan, and if a student is admitted he is not locked into attending the school. Again, there are few true disadvantages to applying under non-restrictive EA. The timing can be an issue for some students, though, as they might not have earned their highest SAT score by the October test date (the latest test date that this plan will consider) or, if their spring junior year grades are less than stellar they won’t be able to show schools their fall grades. Aside from these factors, though, non-restrictive EA is thoroughly advantageous to the student. • Restrictive EA (REA) However, not every student will be allowed to apply non-restrictive EA, as schools in the REA category will prevent students from applying anywhere else early. Stanford, Yale, and Boston College all offer REA,

which again does not require the student to attend the school, but gives them a bit of a boost in terms of admissions. Yale, for instance, has an RD acceptance rate of approximately 6 percent. Their REA acceptance rate hovers around 14 percent. Stanford’s numbers are almost exactly the same as Yale’s. So, REA does give students an edge without locking them into the school. However, students will need to sacrifice applying to all other schools early (aside from those offering EDII) if they apply under REA. Choose wisely!Early Decision II EDII is a relatively recent phenomenon, and it’s one of the more difficult to understand, but let’s try to go through it. EDII is the same as ED, but the application date usually falls right around the RD deadline. To clarify, let’s review a scenario that would prompt a student to apply under EDII. Were a student to apply ED or EA to a school, they would typically do this at the beginning of November. The school would inform them if they were admitted or denied by December 15. If this student was denied ED from, say, the University of Pennsylvania, they would still have two weeks in order to apply under an EDII plan – for instance, at NYU, which began offering the plan this year – with the “bonus” that typically accompanies ED. As you might guess, schools that offer EDII are good schools, but they’re depending on the students rejected from top-tier ED schools to apply to them under EDII. There aren’t too many schools currently offering EDII, but the list is growing. As mentioned above, NYU offers the plan, as do Claremont McKenna, Emory University, and Vanderbilt University.The Final Word: Strategize! Although it might seem unfair, much of a student’s success or failure in the application process is determined by factors outside of grades and test scores. One of these factors is the decision plan under which the student applies. This must be thought out strategically and well beforehand. Begin thinking about this approach now in order to make sure that your odds of acceptance are increased as much as possible.

11

作者：Eddie LaMeire智勝教育中心資深教育諮詢顧問

請幫我寫推薦信吧！

對於即將升入12年級的學生來說，也許現在並

不急著找人寫推薦信，但是也應該在升12年

級的暑假裡開始注意推薦信的問題。雖然在大學申

請中，推薦信不如申請論文、個人簡歷等重要，但

是一般私立大學都要求必須提交2-3封推薦信。而

且，推薦信可以印證學生申請論文中的內容，也可

以強化學生的申請形象。下面就給出一些準備推薦

信的指導：

儘早準備!

灣區有眾多高中生申請私立大學，往往在九月來

臨之前，大部份較優秀的老師們就已經收到了非常

多幫忙寫推薦信的請求了。秋季學期開始時，如果

學生還沒有確定推薦人，就應該儘快確定下來。在

有些學校，老師已經接受太多學生的推薦信請求，

所以不再接受新的推薦信請求了。而其它某些學

校，許多老師採用抽籤方式決定為哪些學生寫推薦

信。除了提早準備，學生們在找人寫推薦信時，還

有很多其它的因素需列入考量。

選得巧，也要選得好

有人建議學生申請什麼專業，就應該找相關課程

的老師寫推薦信。比如，想申請理工科的學生應該

找數學和自然科學的老師寫推薦信。但也有人認

為，英語老師的寫作水準比一般的自然科學老師

高，所以至少應該請一位英語老師寫封推薦信。還

有人綜合了前兩種觀點：不管學生申請什麼專業，

都請數學或自然科學的老師寫一封推薦信，再請人

文類學科老師寫一封推薦信。

上面各種種觀點都有道理（尤其是請不同科系的

老師各寫一篇推薦信可能是最實用的），而我認為

最好的方法是，不管申請什麼專業，選擇一位最肯

定你的老師，而這個老師要在推薦信裡不吝誇獎，

這樣的推薦信才是最好的。換句話說，這位老師應

該在推薦信中毫不隱晦地讚揚該學生，比如“該生

是過去幾年中我見過的最好的學生之一”之類的話

語。

但有一個例外的情況：申請頂尖理工科學校的理

工科時。例如，加州理工學院就不會在乎英語老師

是如何大力讚揚一個學生的。其他情況下，學生們

在挑選誰寫推薦信時，一定要選擇會不吝誇獎他們

的老師。

製作自己的自誇表

智勝教育中心在指導學生申請大學時，都會幫學

生組合一份所謂的”自誇表”。很多高中會提供類

似此種的表格，但如果沒有，我們會建議學生們自

己製作一份。

自誇表是一份詳細註解個人的簡歷，學生可以在

這裡發表自己最獨特的個性、最有意義的課外活

動、最不平凡的經歷以及最牛的個人技巧。這樣推

薦人就能準確瞭解學生，在寫推薦信時就能幫助學

生強化申請形象。也就是說，自誇表就是給推薦老

師的導航圖，強烈暗示他們朝著某個方向去寫，就

像是學生在變相地問“老師，您能這樣寫嗎？”

記住，每所大學對待推薦信的方式不同。申請

中，有的學校很重視推薦信，有的學校不重視推薦

信、甚至看都不看。但對於申請者來說，還是應該

嚴肅對待推薦信。大學都希望他們招收的學生能融

入他們的學校氛圍。如果有老師對該學生的積極個

性、獻身精神和求學動力越肯定，大學招生官們就

越喜歡該學生、對該學生的申請就越有利。

12

■ by Eddie LaMeireRecommend Me!

Although gathering letters of recommendation might not the most pressing need for rising

seniors, it is a factor that demands an address at this point in the summer. And, although letters of rec are not as important to the application as essays, a resume, and so forth, two to three letters are still a required part of most private school applications. Even further, they can provide support for the statements that the student mentions in her essays, as well as lend some coherence to the “theme” the student is trying to put forth through the application. The following, then, are some guidelines that the student can use when gathering these letters.Start Early! Teachers in the Bay Area have no shortage of students who are applying to private schools, and the majority of the better teachers are inundated with letter requests by late September. As soon as classes begin for the fall semester, then, students should – if they have not already done so – ask teachers for the letters. At some schools, teachers will have already maxed out on the number of students for whom they’re writing letters. In other schools, many teachers have a “recommendation lottery” system, where students are randomly chosen for letters to be written for them. In all cases, though, there are several further points that students should abide by when requesting letters. Some people advocate picking recommenders who teach classes that fit the student’s future interests. For example, a budding engineer would pick a mathematics and science teacher. Another piece of advice pushes students to pick at least one English teacher to write a letters, as this individual will tend to write better than a science instructor. A third approach combines the first two: pick one math/science and one humanities teacher, regardless of what the student’s major will be. Although the above approaches all make sense (and the last one is probably the most practical of the three), this is what I feel is the most sound advice:

Almost regardless of major, the student should pick the teachers who will simply write the best letters of recommendation. In other words, they should choose the teachers most likely to say, “This is one of the best students I have encountered in the last several years,” or something close to such a statement. The one time where students should depart from this advice would be when applying under technical majors to highly technical schools. For instance, Cal Tech will not care how glowingly an English teacher is to write about a student. In nearly all other cases, though, the best recommenders should be chosen to recommend.Build a Brag Sheet When assisting a student with the college application process, ThinkTank helps the students put together what we refer to as “brag sheets.” Many high schools will provide their own versions of this form, but, in the event that they don’t, we still advocate that the student build such a document. The brag sheet is a heavily annotated resume that highlights the student’s most impressive attributes, areas of involvement, activities, and skills. It guides the recommender toward a particular way of speaking about the student, which should fit in with the general theme that the student is trying to present to the college in her application. In other words, it is a roadmap – a very strong suggestion – to the recommender that very subtly seems to ask, “Can you please write about me in this way?” Remember, a l l schoo l s look a t l e t t e r s o f recommendation differently. Some will use them as a significant portion of the application review. Other colleges will simply file them away, never to read them. In all cases, though, they should be done well. Colleges want to know that they will be admitting students who can fit in well with the environment that their school presents. The more the student can have an educator attest to their personality, commitment, and drive, the better a student will appear in the eyes of the majority of college admissions officers.

13

智勝看教育Marian You

智勝教育中心教育諮詢顧問

32台「智勝看教育」節目主持人

E-Mail: [email protected]

長久以來，華人家庭常常以大學排名作為選擇學

校的最重要，甚至是唯一標準。這在很大程度上與

亞洲的文化有關。重教育的傳統，和稀缺的教育資

源，導致在很多華人家庭的眼中，進入一流名校是

人生成功的必要條件，是光宗耀祖的重要標誌。智

勝教育在灣區服務八年，以其專業的顧問團隊，為

過千學生在升學道路上出謀劃策，提供資源，為他

們的成功助一臂之力。與此同時，作為教育工作

者，智勝教育的顧問們也深深感到，我們的家長需

要對美國的大學體系有更深入的認識，對學校之間

的差異有更詳盡的了解，從而可以為自己的小孩作

出更適合的選擇。

亞洲家庭，特別是新移民，對於美國大學系統

有一個很大的盲點就是文理學院 (Liberal Arts

Colleges)，因為在亞洲的教育系統中，沒有類似的

學校類別。在亞洲，最好的學校通常就是大家認可

的高排名的那幾所綜合四年制大學。可是在美國，

由於其大學發展的歷史，對本科教育的重視及理念

的差異，和對研究型與通才型人才的區分，有一類

專門培養本科人才的學校——文理學院。它們有自

己的排名和專長，各個學校特點突出。很多文理學

院人數不多，班級小，教授水準高，畢業生不論在

找工作，考研究所都是有很多的資源，也備受雇主

和研究所的青睞。若您不知道，我們現在的美國總

統奧巴馬，和國務卿希拉里，本科時都是曾就讀於

文理學院。在本次的節目中，我們特別邀請了智勝

的升學顧問Tria Chang來為大家提供關於文理學院

2011 US News大學排名近期出爐，幾家歡喜幾

家愁。哈佛大學仍然高枕無憂居榜首，哥大起勢強

勁躍居第四，南加大異軍突起，竟然超越UCLA。

外行看熱鬧，內行看門道。這些變化勢必在關心教

育的華人家長中成為話題。智勝教育幫助灣區學生

家長申請大學數年，也以大家一樣密切關注學校的

排行漲跌，並希望可於大家一同探討個中緣由。

“智勝看教育”9月17日的節目邀請智勝教育首

席顧問Eddie LaMeire作客，以專家的眼光為大家

分析大學排名的變化，以及對我們學生家長的影

響。到底大學排名是如何進行的？除了排名以外，

對於選擇學校的家長同學，還應該考慮哪些因素？

主持人會請Eddie來解答大家心中的疑惑。

“萬變不離其宗”——對於考生來說，在排名變

化中，我們智勝所一貫倡導的學校分類及準備原則

並未改變。我們應該如何“以不變應萬變”，為大

學申請作最好的準備？如果這是您感興趣的話題，

請關注9月17日晚6點半的“智勝看教育”節目。

您知道什麼是文理學院嗎

（Liberal Arts Colleges）？

談2011大學排名變化

播出時間：9月17日晚6點30分在32頻道

播出時間：9月3日晚6點30分在32頻道

節目預告

的介紹，以期打開另一扇窗口，幫助大家了解一個

也許您不曾知道的選擇。9月3日晚6時30分的“智

勝看教育”，歡迎屆時收看。

14

15

感謝函 (Testimony)

Rachel Chang / Mission San Jose High SchoolAccepted by : UC Berkeley / USC/ UCLA / UCSD / UC Irvine (full Scholarship). 女兒張睿獲得加州大學 Berkeley、UCLA 等每一個分校的入學許可，幾年的努力總算得到應有的報償。

想當初她在七年級時轉到這個學區，不能公平地進入 Honor Program 的課程，高中四年整個科學方面的學

程比許多同學等於晚了一年，在申請學校時許多方面都比較不利，雖然學校成績是全A，SAT 成績也還差

強人意，申請學校的最後關頭，一方面課業繁重，一方面參加校隊練球比賽，時間不夠分配，壓力無形增

加，做父母的只有乾著急，尤其是 Essay 的撰寫以及申請表上諸多個人成果之表達，真有愛莫能助之感。

所幸朋友 Wendy 介紹，在最後幾個月獲得智勝教育中心(ThinkTank Learning)的申請學校諮詢服務，多數

高中的大孩子，不知如何包裝自己，智勝的輔導員在了解所有背景資料後，提供策略主軸與學生討論，因

此 Essay 的撰寫水到渠成，穩定軍心，實在是最有用的輔導；此外值得一提的是智勝根據每個學生的數

據，在學校的選擇方面幫助提供實際的目標，這是一個比較特別和實用的服務。家長黃孝媛

Steven Lu / De Anza CollegeAccepted by : UC Berkeley / UCLA / UCSD / UC Davis / UC Irvine / UC Santa Cruz I immigrated to California from Taiwan in November, 2006. It was my second high school year in Taiwan which was equivalent to a high school junior here. I originally thought that the school system is the same as what I used to have in Taiwan; I believed that I could enter in a reputable university solely by my academic grade. After a consultation from ThinkTank, I realized that these famous universities focus not only on students’ GPA, but also our extracurricular activities.

Then ThinkTank suggested me to go to De Anza College directly after I graduated from High School, and then try to transfer. With more and more consultations and advices from ThinkTank, I kept a high GPA, did extracurricular activities, and joined many clubs at De Anza College. Also with the PCAP plan, ThinkTank told me that I needed to fully express my experience, feelings and dreams in my Personal Statement. As a result, I obtained the ticket to UC Berkeley, UCLA, UCSD, UC Davis and more other famous universities after studying two years in De Anza College. I really appreciate that ThinkTank provided me the right concepts and supports. I would tell you that ThinkTank is one of the best choices to help you go to the school you want. Success in the US not only comes from effort, but also you need opportunities, which ThinkTank will help you grasp.

Diana Chen / Mission San Jose High SchoolAccepted by : UCSD / UC Davis / UC Santa Barbara / UC Riverside / UC Merced Words cannot describe how grateful I am for TTL’s mentoring and assistance during this extremely stressful period of my high school career. As a matter of fact, they have given me so much guidance that they made the process durable. I definitely would not have been where I am today without the help of TTL. Unlike many other organizations, TTL is not there to rob people of their money. All of the TTL staff are so eager to help and they truly have the student’s best interest at heart. They are willing to go the extra mile even if it means only making a small difference. They see potential in each one of their students. They saw potential in me when no

one else did and were able to make something of it and thus here I am, a proud Class of 2014 of a university I have always wanted to attend. I strongly recommend TTL to any incoming seniors. This is the most important part of your life and you want to have the right captain. There are no better mentors than the ones at TTL. Thank you for TTL for everything!

16

10650 Bubb Road, Cupertino, CA 95014 408.253.8300

[email protected]

1. SUPER Early Bird Discount: Sign up before 8/29/10 to receive $80 – off per class.2. Early Bird Discount: Sign up before 9/19/10 to receive $40 – off per class.3. Returning Students: All former or current students of ThinkTank Learning will receive $40-off. (Cannot be applied with the SUPER/Early Bird Discount.)4. Referral Prizes: If you refer a friend, both you and your friend will receive a $40 prize/discount (All discounts do not apply to Readers Anonymous, AMC, SAT Training & Homework Helper)

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Course Name Dates Time Notes

Vocabulary Foundation 10/2 - 12/15Tues 3:30pm - 5:30pm Sat 10:30am - 12:30pm

7th - 8th Graders Recommended

Comprehending Critical Reading 10/3 - 12/19Th 3:30pm - 5:30pm Sun 10:30am - 12:30pm

7th - 8th Graders Recommended

Intensive Vocabulary Mastery 10/2 - 12/15W 5:30pm - 7:30pm Sat 3:30pm - 5:30pm

High School Students Recommended

Advanced Critical Reading 9/4 - 1/5 Sat 3:30pm - 5:30pm High School Students RecommendedReaders Anonymous 10/3 - ongoing Sun 1:00pm - 3:00pm Middle School Students and up

AMC - Art of Problem Solving 10/2 - ongoing Sat 4:30pm - 6:00pm Grades 6-10 (ages 11-16)

Intended for Nov 6/Dec 4 Test Intended for Jan 22 Test

Course Name 9/25 - 10/31 11/20 - 1/16SAT Math II Sat & Sun 1:45pm - 4:15pm Sat & Sun 10:30am - 1:00pmSAT Biology Sat & Sun 10:30am - 1:00pm Sat & Sun 10:30am - 1:00pm

SAT Chemistry Sat & Sun 3:30pm - 6:00pm Sat & Sun 3:30pm - 6:00pmSAT Physics Sat & Sun 3:30pm - 6:00pm Sat & Sun 3:30pm - 6:00pm

SAT US History Sat & Sun 10:30am - 1:00pm Sat & Sun 10:30am - 1:00pm

Course Name Dates Time NotesSAT Boot Camp 9/12 - 10/31 Sat & Sun 9:30am - 1:30pm Intended for Nov Test

SAT Boot Camp 10/3 - 11/21 Sat & Sun 2:00pm - 6:00pm Intended for Dec Test

Full-length Testing Thur 3:30pm or 4:00pm (Choose one) Every weekSAT Training

4.5 hours/day Sun Math Critical Reading Writing

Test Review & Instruction

Prerequisite: Completion of SAT Boot Camp

S A T S u b j e c t

NEW

H e l e rpm e w o r koHCourse Name Dates Time Notes

Math & Physics 8/23 - 12/15 Mon - Thur 3:30 pm - 5:00pmNo class on 9/6, 11/11, 24-26

Science 8/23 - 12/15 Mon - Thur 3:30 pm - 5:00pm

S A T

t nu p e rC i o

No classes on holiday breaks. Call center for these dates. Office closed on Friday.

F A L L 1 0

1:00pm - 2:30pm2:30pm - 4:00pm4:00pm - 5:30pm

SAT Subject classes: Total 30 hours.

智勝秋季課程表

SAT training subscription includes 4 tests (8 hours) and 4 intensive training sessions (18 hours); starts on 9/30SAT Boot Camp: Total 60 hours, 15 sessions. (include 1/2 hour test & 1/2 hr review per class session)

17

1974 Driscoll Rd. Fremont, CA 94539

510.623.0800www.ttlearning.com

[email protected]

English classes: Total 40 hours, 20 sessions.

1. SUPER Early Bird Discount: Sign up before 8/29/10 to receive $80 – off per class.2. Early Bird Discount: Sign up before 9/19/10 to receive $40 – off per class.3. Returning Students: All former or current students of ThinkTank Learning will receive $40-off. (Cannot be applied with the SUPER/Early Bird Discount.)

SAT Subject classes: Total 30~37 hours.

Course Name Dates Time Notes SAT Biology 8/31 - 10/19 T & Th 5:30pm - 8:00pm Intended for Nov 6 Test SAT Chemistry 8/30 - 10/18 M & W 5:30pm - 8:00pm Intended for Nov 6 Test SAT Math II 9/19 - 11/21 Sun 9:30am - 12:30pm Intended for Dec 4 Test AP Biology 9/26/10-1/16/11 Sun 11:00am - 2:00pm For May 9th AP Test (part I) AP Chemistry 9/25/10-1/15/11 Sat 11:00am - 2:00pm For May 2nd AP Test (part I)

S A T

Enrollment is on a first-come, first-serve basis. SAT Training Classes start on 9/5/10. Joining any time is welcomed.Class-period subscription includes 4 tests (14 hours)

Course Name Dates Time NotesFull-length Testing Thurs 3:30pm or 4:00pm Every week

Training Sessions 4.5 hours/day Sun

Math 9:30am - 11:00am Critical Reading 11:00am - 12:30pm Writing 12:30pm - 2:00pm

Test Review & Instruction Prerequisite: Completion of

SAT Boot Camp

Discount

4. Referral Prizes: If you refer a friend, both you and your friend will receive a $40 prize/discount.

No classes on 11/11/10, 11/25/10 - 11/28/10, 12/20/10 - 1/1/11 due to holiday breaks.

Seats are limited in order to maintain small classes.

S A T S u b j e c tand 4 intensive training sessions. (18 hours)

Course Name Dates Time NotesMath, Science 9/6 - 12/16 M - Th 3:30pm - 5:00pm Middle & High School Students Recommended

There will be four weekday sessions for Homework Helper classes. Homework Helper Monthly Membership: Membership Fee is determined by the number of days attended.

H o m e w o r k e l p e rH

S A T B o ToCourse Name Dates Time Notes

SAT Boot Camp AM 9/12 - 10/31 Sat & Sun 10:00am - 2:00pm Intended for Nov/Dec Test

SAT Boot Camp PM 10/31 - 1/16 Sat & Sun 2:00pm - 6:00pm Intended for Jan 22 Test

C a pm

SAT Boot Camp: Total 60 hours, 15 sessions (include 1 hour test & 1/2 hour review per class session)

Classes subject to change. Please contact us for the most updated class schedule.

T r a ni i n g

5. All discounts do not apply to Homework Helper, Reader Anonymous, and SAT Training.

Course Name Dates Time Notes Essay Workshop 9/23 - 12/3 Thurs 5:30pm - 7:30pm For High School Student

Readers Anonymous 9/29 - 12/22 Wed 3:00pm - 4:30pm For Jr/High School Student

Grammar Essay Composition 9/25 - 2/26 Sat 10:00am - 12:00pm For Jr. High School Student

Comprehending Critical Reading 9/25 - 2/26 Sat 2:30pm - 4:30pm For Jr. High School Student Advanced Critical Reading 9/26 - 2/27 Sun 2:30pm - 4:30pm For High School Student


E n g L i s hF A L L 1 0

F no te mr

18

2743 S El Camino Real San Mateo, CA 94403


[email protected]




Course Name Dates Time NotesSAT Biology 9/12 - 10/31 Sat & Sun 9:30am - 11:30am Intended for Nov 6 Test

SAT Chemistry 9/12 - 10/31 Sat & Sun 2:30pm - 4:30pm Intended for Nov 6 TestSAT Math II 9/12 - 10/31 Sat & Sun 12:00pm - 2:00pm Intended for Nov 6 Test

SAT Chemistry 10/3 - 11/21 Sat & Sun 12:00pm - 2:00pm Intended for Dec 4/Jan 22 TestSAT Physics 10/3 - 11/21 Sat & Sun 2:30pm - 4:30pm Intended for Dec 4/Jan 22 TestSAT Math II 10/3 - 11/21 Sat & Sun 9:30am - 11:30am Intended for Dec 4/Jan 22 Test

S A T

Enrollment is on a first-come, first-serve basis. SAT Training Classes start on 10/3/10. Joining any time is welcomed.Class-period subscription includes 4 tests (14 hours)

Course Name Dates Time NotesFull-length Testing Tue 4:00pm Every week

Training Sessions 4.5 hours/day

Sun Math 9:30am - 11:00am Critical Reading 11:00am - 12:30pm Writing 12:30pm - 2:00pm

Test Review & Instruction Prereq: SAT Boot Camp

Discount


No classes on 11/11/10, 11/25/10 - 11/28/10, 12/20/10 - 1/2/11 due to holiday breaks.




Math, Science 8/23 - 1/27 M - Th 4:00pm - 5:30pm Middle & High School Students Recommended

There will be four weekday sessions for Homework Helper classes. Homework Helper Monthly Membership: Membership fee is determined by the nummber of days attended.



SAT Boot Camp AM 9/12 - 10/31 Sat & Sun 9:30am - 1:30pm Intended for Nov 6 Test

SAT Boot Camp PM 10/31 - 1/16 Sat & Sun 2:00pm - 6:00pm Intended for Jan 22 Test

C a pm

SAT Boot Camp: Total 60 hours, 15 sessions (include 1 hour test & 1/2 hour review per class session)

Class subject to change. Please contact us for the most updated class schedule.

T r a ni i n g

5. All discounts do not apply to Homework Helper and SAT Training.


Intro to Writing & Literature 29/28 - 12/9 Tue & Thur 4:00pm - 5:30pm

Elementary School and up12/14 - 1/11 Tue & Thur 4:00pm - 6:00pm

Vocabulary Foundation 9/27 - 12/1 Mon & Wed 5:30pm - 7:30pm Middle School and up

Comprehending Critical Reading 9/28 - 12/9 Tue & Thur 5:45pm - 7:45pm Middle School and upIntensive Vocabulary Mastery 9/27- 12/1 Mon & Wed 5:30pm - 7:30pm High School and upAdvanced Critical Reading 9/28- 12/9 Tue & Thur 5:30pm - 7:30pm High School and up



S a n a t e oM

19

201 Adrian RoadMillbrae, CA 94403


[email protected]

T r a i in n gS A T

Class subscription includes 4 tests (14 hours) and 4 intensive training sessions (18 hours).Prerequisite: Completion of SAT Boot Camp

Course Name Dates Time NotesFull-length Testing Wed 4:00pm Every week

Training Sessions 4.5 hours/day Sat

Math 9:30am - 11:00amCritical Reading 11:00am - 12:30pmWriting 12:30pm - 2:00pm

Test Review & Instruction


S A T S u jCourse Name Dates Time Notes

SAT Biology 9/12 - 10/31 Sat & Sun 10:30am - 12:30pm

Intended for Nov 6th TestSAT Chemistry 9/12 - 10/31 Sat & Sun 9:30am -11:30amSAT Physics 9/12 - 10/31 Sat & Sun 2:30pm - 4:30pm

SAT Math II 9/12 - 10/31 Sat & Sun 12:00pm - 2:00pm

SAT Chemistry 10/3 - 11/21 Sat & Sun 2:30pm - 4:30pmIntended for Dec 4th/Jan 22nd

TestSAT Biology 10/3 - 11/21 Sat & Sun 12:30pm - 2:30pmSAT Physics 10/3 - 11/21 Sat & Sun 12:00pm - 2:00pm SAT Math II 10/3 - 11/21 Sat & Sun 9:30am - 11:30am

b e c t

1. SUPER Early Bird Discount: Sign up before 8/29/10 to receive $80 off per class. 2. Early Bird Discount: Sign up before 9/19/10 to receive $40 off per class.3. Returning Students: All former or current students of ThinkTank Learning will receive $40 off. (Cannot be applied with the SUPER/Early Bird Discount.)4. Referral Prizes: If you refer a friend, both you and your friend will receive a $40 prize per student.5. All discounts do not apply to Homework Helper, Reader Anonymous, and SAT Training.

Discount

Course Name Dates Time NotesMath, Science 8/23 - 12/16 M, T, W, Th 4:00pm - 5:30pm Middle & High School Students

Homework Helper Monthly Membership: Membership fee is determined by the number of days attended.



SAT Boot Camp PM 9/12 - 10/31 Sat & Sun 2:00pm - 6:00pmIntended for Nov 6th/Dec 4th

TestSAT Boot Camp AM 10/31 - 1/16 Sat & Sun 9:30am - 1:30pm Intended for Jan 22nd Test

C a pm

No classes on 11/11/10, 11/25/10 to 11/28/10, 12/20/10 to 1/2/10 due to holidays.Class subject to change without notice. Please contact us for most updated class schedule.

Readers Anonymous starts on the 3rd week of every month.

Course Name Dates Time NotesReaders Anonymous Monthly Mon & Wed 3:30pm ESL/ELD StudentsReaders Anonymous Monthly Mon & Wed 3:30pm Middle School and upReaders Anonymous Monthly Tues 5:30pm High School and up

Grammar & Essay Composition 9/28 - 12/9 Tues & Thur 4:30pm Middle School and up Perfecting Grammar & Style 9/27 - 12/1 Mon & Wed 5:30pm High School and up


New!New!New!

8.17

E n g L i s hF A L L 1 0M i l l b r a e

20

2455 Taraval Street San Francisco, CA 94116

[email protected]




Course Name Dates Time NotesSAT Biology 9/12 - 10/31 Sat & Sun 12:00pm - 2:00pm Intended for Nov Test

SAT Chemistry 9/12 - 10/31 Sat & Sun 2:30pm - 4:30pm Intended for Nov TestSAT Physics 10/2 - 11/20 Sat & Sun 9:30am - 11:30am Intended for Dec TestSAT Math II 10/2 - 11/20 Sat & Sun 10:30am - 12:30pm Intended for Dec Test

S A T

Enrollment is on a first-come, first-serve basis. SAT Training Classes start on 9/4/10 or 9/5/10. Joining any time is welcomed.Class-period subscription includes 4 tests (14 hours)

Course Name Dates Time NotesFull-length Testing 9/4 or 9/5 Tu or W 4:00pm Every week

Training Sessions

4.5 hours/day

(choose either

Saturday or Sunday)

Saturday

Sunday

Math 9:30am - 11:00am Critical Reading 11:00am - 12:30pm Writing 12:30pm - 2:00pm Math 2:00pm - 3:30pm Critical Reading 3:30pm - 5:00pm Writing 5:00pm - 6:30pm

Test Review & Instruction(Prerequisite: SAT Boot Camp)

SAT Boot Camp AM 9/12 - 10/31 Sat & Sun 9:30am - 1:30pm Intended for Nov 6th Test

SAT Boot Camp PM 10/2 - 11/20 Sat & Sun 9:30am - 1:30pm Intended for Dec 4th Test

Discount


No classes on 11/11/10, 11/24/10 - 11/28/10, 12/20/10 - 1/1/11 due to holiday breaks. Class subject to change. Please contact us for most updated class schedule.



Course Name Dates Time NotesMath, Science 8/23 - 12/16 M, Tu, W, Th 4:00pm - 5:30pm High School Students Recommended

There will be four weekday sessions for Homework Helper classes. Homework Helper Monthly Membership: 1day/week $110/month, 2days/week $200/month, 3days/week $280/month, 4days/week $350/month.


Course Name Dates Time NotesIntro to Writ. and Lit. 1 & 2 9/28 - 12/7 Tu & Sat 4:00pm - 6:00pm Elementary school and upComprehending Critical Reading 9/29 - 12/8 M & W 4:30pm - 6:30pm Middle school and upGrammar & Essay Composition 9/28 - 12/9 Tu & Th 4:30pm - 6:30pm Middle school and up

Intensive Vocabulary Mastery 9/25 - 12/8 W 4:30pm - 6:30pm Sat 3:00pm - 5:00pm

High school and up

Perfecting Grammar & Style 9/23 - 12/9 Th 4:30pm - 6:30pm Sun 3:00pm - 5:00pm

High school and up



S a n F r a n c i s c o

21

適合您生活的保險──現在和未來

現在，您的保險目標可能著重在保護您家人的財

務未來。在十年內，您的需要和理想可能擴大為包

括財務安全網或可用現金，以便向預期或非預期的

機會或挑戰做出反應。良好決定的標誌是知道隨著

您的生活和家人的情況改變，您的保險也能繼續跟

隨變化。這也是為什麼提供終生壽險的原因。

您應該與您的理財專家合作，首先瞭解您的短期和

長期理財目標，讓他/她幫助您找到最能滿足您保

險保障需要的產品。

終生壽險為您提供適合您人生各階段和大事的一

系列福利。當您或您的家人需要財務保護和支持

時，您的終生壽險就是答案。

終生壽險提供三大保證：

保證死亡撫卹金付給您關愛的人或公司

保證現金值成長

保單保費絕不上漲──無關您的年齡或健康

您想為您最關切的人提供的保護

終生壽險能夠幫助您解決廣泛的需求，這些需求

通常在人生的不同階段、家庭或公司發生大事時出

現。

保護一生的需求

您需要：終生壽險幫助您的方法

收入保護購買壽險的首要目的是保護您的家人，

在您發生任何意外時，為他們提供財務安全。這

是因為不論你什麼時候死亡，保證您的受益人一

定能夠收到死亡撫卹金。此外，如果選擇一些附加

條款，可以設計您的保單使保險金隨著時間增加，

如此一來，您的保單就能與通貨膨脹、您的收入增

必定適合您的生活─

終生壽險一覽系列之一

長，以及您的保險需求齊步。

財務安全網如同您擁有的房子，終生壽險保單會

隨著時間以現金價值的形式建立抵押資產。若發生

預期或未預期的機會或挑戰時，您可以利用現金值

予以應付。

納稅利益死亡撫卹金通常不繳納聯邦所得稅。現

金值以延期納稅的方式累積。此外，保單的現金值

可透過保單貸款以利於節稅的方式使用。

面面俱到的理財投資組合不論市場狀況如何，保

證現金值會持續增長。做為固定資產，終生壽險能

夠提供多樣化的保護機制，使您安穩地渡過不穩定

的經濟環境。

靈活性您可以根據您的可用收入購買附加條款，

以增加您的保單價值，或者縮短您自付保費的時

間。

解決方案組合

終生壽險旨在適合您的各個人生階段和情況。決

定選擇壽險金額和類型時，徹底瞭解您現在和未來

的理財需求是重要關鍵，可以幫助滿足您特有的保

護需求和預算的終生壽險產品，包括具有以下特徵

的保單：

對人口增加的家庭而言非常符合成本效益。

可以讓您在計畫退休時消除保費，以便提供死亡

撫卹保護和補助退休收入。

為您提供現金價值增長，為您的受益人提供免稅

的死亡撫卹金。

滿足公司所有人的獨特需求。

提供遺產規劃和財富轉移策略的資金。

為您的具體解決方案訂製附加選項

22

隨著人生的變化，您處的情況也會改變。您今天

做決定是一件明智的事，不過隨著時間推移，您的

需要可能改變。這就是為什麼您的理財代理人能

夠幫助您設計適合您需要的保險策略，能夠在購買

保險時添加到保單的可選附加條款的原因；大多數

附加條款甚至可以在以後視需要追加。

您若選擇這些附加條款，您就能：

在您失能而無任何收入時，為您給付保費。

不論您的健康狀況如何，可以增加您的保險金。

購買定期壽險，並將其轉換為額外的終生壽險。

當您有額外的收入或承保需要時，利用終生壽險

的納稅優惠。

（未完待續）CRN201009-106822

作者：沈榕電話：(925)858-9502 E-mail: [email protected] 多元文化行銷總監，2009年，

萬通互惠理財 (MassMutual )頂尖顧問，成為

MassMutual 全公司159年歷史上第一個取得這項

榮譽的中國人。

專精灣區經驗豐富專業誠懇服務華人

English Only

沈榕[email protected]金融學碩士，電腦科學碩士

請撥電與沈榕討論您的理財需要

925-858-95022201 Walnut Ave,Suite 140

Fremont,CA94538

2121 N California Blvd,Suite 395

Walnut Creek,CA94596

MassMutual為全球各地的個人和公司提供廣泛的理財產品和服務

沈榕代表全球最受敬重的公司之一MassMutual（萬通互惠理財）為您理財

沈榕作為MassMutual代理人，做出了極為傑出的成就：

2009年-頂尖顧問（Top of the Council）MassMutual 整個公司頂尖的100名代理人。沈榕是 MassMutual 158年歷史上第一個得到這項榮譽的中國人2008年-績優顧問 ( Blue Chip Council & Top Blue )– MassMutual 整個公司頂尖的5%。2007年-五大新鮮人–公司對新人頒發的最高榮譽。沈榕是 MassMutual 156年歷史上第一個得到這項榮譽的中國人2008年-百萬圓桌會員 ( Million dollar Round Table )2009年-百萬超級圓桌會員（Court of the Table )

人壽保險儲蓄與投資分析傷殘收入保險長期護理保險退休金，401K, IRA

大學教育基金減税策略公司繼承規劃遺產規劃健康保險

萬通互惠理財 A.M. Best Company: A++ (Superior;top category of 15) Fitch Ratings: AAA (Exceptionally Strong; top category of 21) Moody's Investors Service: Aa1(Excellent; second category of 21) Standard & Poor's: AAA (Extremely Strong; top category of 21) Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings as of 7/29/09. Ratings are subject to change.

Rong Shen CA InsuranceLicense #0E48526

Rong Shen is a registered representative of and offers securities through MML Investors Services, Inc. member SIPC. Supervisory office: 2121 N. California Blvd，Suite 395 Walnut Creek，CA94596 .Insurance offered through Massachusetts Mutual Life Insurance Company and other fine companies.（925）979-2300

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. CRN201108-124737

萬通互惠理財是全球規模的多元理財服務機構，擁有158年曆史，是全球最受尊敬的公司之一。158年來，經歷了戰爭，大蕭條，無數次的金融動盪與風暴。 158年的歷史及經驗證明了我們可以在任何的市場狀況下，生存，發展及繁榮壯大。擁有最高的財務實力評級。沈榕於1997年留學美國，在美國取得兩個碩士學位，電腦科學碩士，金融學碩士，能說流利的英語和漢語。

沈榕[email protected]金融學碩士，電腦科學碩士

請撥電與沈榕討論您的理財需要

925-858-95022201 Walnut Ave,Suite 140

Fremont,CA94538

2121 N California Blvd,Suite 395

Walnut Creek,CA94596

MassMutual為全球各地的個人和公司提供廣泛的理財產品和服務

沈榕代表全球最受敬重的公司之一MassMutual（萬通互惠理財）為您理財

沈榕作為MassMutual代理人，做出了極為傑出的成就：

2009年-頂尖顧問（Top of the Council）MassMutual 整個公司頂尖的100名代理人。沈榕是 MassMutual 158年歷史上第一個得到這項榮譽的中國人2008年-績優顧問 ( Blue Chip Council & Top Blue )– MassMutual 整個公司頂尖的5%。2007年-五大新鮮人–公司對新人頒發的最高榮譽。沈榕是 MassMutual 156年歷史上第一個得到這項榮譽的中國人2008年-百萬圓桌會員 ( Million dollar Round Table )2009年-百萬超級圓桌會員（Court of the Table )

人壽保險儲蓄與投資分析傷殘收入保險長期護理保險退休金，401K, IRA

大學教育基金減税策略公司繼承規劃遺產規劃健康保險

萬通互惠理財 A.M. Best Company: A++ (Superior;top category of 15) Fitch Ratings: AAA (Exceptionally Strong; top category of 21) Moody's Investors Service: Aa1(Excellent; second category of 21) Standard & Poor's: AAA (Extremely Strong; top category of 21) Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings as of 7/29/09. Ratings are subject to change.

Rong Shen CA InsuranceLicense #0E48526

Rong Shen is a registered representative of and offers securities through MML Investors Services, Inc. member SIPC. Supervisory office: 2121 N. California Blvd，Suite 395 Walnut Creek，CA94596 .Insurance offered through Massachusetts Mutual Life Insurance Company and other fine companies.（925）979-2300

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. CRN201108-124737

萬通互惠理財是全球規模的多元理財服務機構，擁有158年曆史，是全球最受尊敬的公司之一。158年來，經歷了戰爭，大蕭條，無數次的金融動盪與風暴。 158年的歷史及經驗證明了我們可以在任何的市場狀況下，生存，發展及繁榮壯大。擁有最高的財務實力評級。沈榕於1997年留學美國，在美國取得兩個碩士學位，電腦科學碩士，金融學碩士，能說流利的英語和漢語。

23

Properly dealing with an inherited IRA can be tricky business. If you take the right steps, you

can continue to delay taxation on the account for many years. But if you make a mistake, the entire account balance could be taxable immediately — thereby wasting a potentially huge sum of money on taxes and killing off maybe 40 or 50 years of tax-deferred growth. If you inherit a retirement account, don’t do anything until you know exactly what rules apply. With your own IRA you can take the money out and redeposit it in another IRA within 60 days without penalty. Not so for an inherited IRA. All movement of money must be from one IRA custodian to another--be sure to specify a “trustee-to-trustee” transfer. Moreover, unless you’ve inherited from a spouse, you must retitle the IRA, including the original owner’s name and indicating it is inherited, e.g., “Daddy Pan, deceased, inherited IRA for the benefit of Daughter Annie, beneficiary.” If two or more people are named as beneficiaries, ask the custodian to split it into separate inherited IRAs. That avoids investment squabbles and allows a longer stretch-out for the younger heirs. A Stretch IRA is not a new product or a special type of IRA. Rather, it is a term that describes a retirement planning strategies focused on passing the remaining IRA assets to your loved ones. By making appropriate planning decisions, you can:- Minimize your current income taxes by simply taking the required minimum distributions (RMD) and no more.- Give your beneficiaries the ability to extent the tax deferral status of your IRA by “stretching” it out over your beneficiaries’ life expectancies. - Create a legacy by using your IRA to provide income to your surviving spouse, as well as future generations.

Passing on An IRA

繼承個人退休悵戶Naming beneficiaries for your retirement accounts may seem like an easy task. Remember, though, it is also one of the most important decisions you will make. Therefore, you should give it the time and attention it deserves. Perhaps, the best way to navigate through the byzantine IRS tax laws that dictate the inheritance of Individual Retirement Account is to directly answer questions brought on by the real case scenarios from public. Q: My Dad left an IRA on which he named his two children as beneficiaries, each of us to get 50% of the account. I have given the bank a copy of the death certificate. I’ve consulted a lawyer, and he said that if my dad designated us as beneficiaries, and the bank has a death certificate, it can issue checks to the two of us and settle the account. My sibling is waiting on me for the go ahead to do this. But I guess I want to know what will happen before I do it. --KK A: That’s a very wise decision! Here’s what will happen: If you take your inherited IRA in the form of checks from the bank, you and your sibling will owe income taxes on this money. Since each of your shares will be added to your 2010 taxable income, you might even be bumped into a higher tax bracket.The lawyer you consulted may not know how IRAs are taxed. Unfortunately, the bank may not know either. Most banks know a lot more about how money goes into IRAs than about how it comes out. To divide this account without triggering taxes, you and your sibling should ask the bank to divide the IRA into two new IRAs … but not into new IRAs that list you as the owners! Your father’s name must remain on each of the new accounts as the deceased owner, with the name of each child on the account as

24

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its beneficiary. For example, if your Dad’s name was Peter Pan, each of the two new IRAs should be titled “Peter Pan (deceased August 9, 2010), inherited IRA for the benefit of [insert name of one child].”Only a surviving spouse can transfer an inherited IRA into his or her own name. If any other beneficiary does that, the account stops being an IRA and is immediately taxable. If this is done right, each of you will have an inherited IRA that lists him or her as its sole beneficiary. At that point, if you wish, you can have your inherited IRA moved from your father’s bank into your own bank – or to any other financial firm -- in a trustee to trustee transfer. As beneficiaries you must start taking minimum annual distributions from the account by December 31 of the year following your father’s death; but the balance will continue to grow untaxed. As the sole beneficiary on the account, you can take minimum distributions based on your own life expectancy. This is one of the advantages of dividing the account correctly.

If you keep an inherited IRA with two beneficiaries listed on it, the required minimum distributions must be based on the life expectancy of the oldest beneficiary. Of course you can take more than the minimum distribution if you need it. But if you don’t, why pay taxes on this money sooner than you have to?A Few Last Words When you inherit an IRA, you absolutely must take the time to learn the applicable rules before you do anything. Don’t move the money at all until you understand what’s going on, because simple administrative mistakes can be very costly. By working with your qualified financial professional, you can help ensure not only that your assets go to the beneficiaries you want, but also that the assets may have the potential to grow tax-deferred for years to come.作者：雷端劍 Daniel Loy Financial Advisor / College Financial Aid Counselor 加州註冊投資理財顧問 / 大學教育資助顧問

電話：(408)329-7549

25

常言道人吃五穀雜糧，沒有不生病的，理確實

是這麼個理。有了病看醫生，天經地義，可

是無論在中國還是美國，生病都多了個選擇：看中

醫還是看西醫？

中醫學是中國文化的一部分，是炎黃子孫經過長

期實踐經驗的總結，毫無疑問中醫學是一門重要的

自然科學。目前包括美國在內的多數西方國家正逐

步將中醫納入本國的醫療體系，尤其針灸治療的廣

泛實施，使許多人對中醫學產生了更直接的認識。

中醫中藥及其療法全面走向世界，已成趨勢。但如

何認識中醫？中醫的療效到底如何？這些問題仍然

困惑很多人，這也是大多數人還沒有接近中醫的主

要原因吧？！

如何認識中醫，許多人對<<黃帝內經>>有所瞭

解，翻開黃帝內經，你會發現這是一本告訴人們如

何吃喝拉撒睡的書，通俗的講，就是告訴我們如

何吃，如何住，如何行，如何衣，也就是如何順其

自然！可是如何才能順其自然呢？就如何住來說，

正確的作息應是“日出而作，日落而息”，而現實

生活中的人們是怎樣的？小孩子從牙牙學語，就日

夜圍著電腦、電視轉，到初高中更是如癡如醉，離

不開電腦、遊戲等，凌晨一、兩點不睡覺是家常便

飯，沒有足夠的睡眠，內陰暗耗，虛火縱生，久而

久之：長的是脾氣（火氣），消的是體力體重，真

乃此消彼長！就吃來說，許多人真的不知如何是

好？純淨水，鈣劑，骨膠元等所謂的健康食品五花

八門，超級市場一次加工、二次加工食品更是令人

眼花繚亂，有些人是寧可信其有，也不信其無，天

天與“健康食品”為伍；也有的人只為口褔不為體

褔，只要口感好，不管事後身體受不受的了。其實

很多病的病因就是飲食不當所造成：後天之本在脾

胃，脾胃的功能狀況，對健康非常重要，我門常說

的身體濕或寒與飲食直接相關，無論是秋風瑟瑟的

秋天，還是寒風凜凜的冬天，你會看到許多人對霜

漫話中醫之長，西醫之短

淇淋等冰冷食品仍愛不釋手，這樣的結果是直接消

耗你的元陽，使身體更怕冷怕寒，脾胃更加虛弱，

久而久之就會導致運化水濕能力降低，所以病人常

覺得身體很緊，疲乏無力。一旦脾胃虛弱，機體吸

收能力也相應減弱，這種狀況下，吃什麼健康食品

也無助，況且對絕大多數人來說，平常的飲食，如

果吸收功能正常，根本不存在缺東缺西得問題。一

般來說，應時蔬菜水果基本適合多數人食用。至於

行與衣的問題就不一一贅述了！

從以上分析可以看出，中醫治病重在糾正不當或

不正確的生活方式，是預防疾病的可能產生的原

因。比如說腫瘤的產生，濕疹的形成等這些都跟

自然界一些現象很相似：雨後樹下為何會生蘑菇？

常年不見太陽的地方為何會長青苔？如果沒有相應

的濕度與溫度，蘑菇肯定不會產生；同樣如果沒有

“濕與熱”，腫瘤根本產生不了，這個熱就是虛

熱，大量的臨床資料顯示：陰虛內熱是所有腫瘤產

生的最主要原因，假如在陰虛初期就得已糾正，身

體也不會有那麼多虛熱，腫瘤也就產生不了。濕疹

最容易產生在腋下、腹股溝等汗腺豐富的地方，假

如人體的太陽─腎臟，腎陽充足，濕疹也不容易形

成。所以中醫即樸素直觀，又高深莫測，它的最主

要的作用就是將疾病形成的環境及條件消滅在萌芽

狀態。平衡才是健康之道！

西醫其優勢顯而易見：最容易想到的是難產、心

腦血管急症以及外傷車禍等，這些生命攸關的問

題，往往在西醫生的手中立刻起死回生，轉危為

安。中醫對此顯然無能為力。但西醫充其量治療的

是個病的結果，如果說一個子宮肌瘤切除，我們覺

得西醫真棒；可是一個合格的中醫，可以在肌瘤形

成前告訴病人，如何預防肌瘤形成；一個有水準的

中醫也可以通過中藥或針灸讓子宮肌瘤不再產生。

不治已病治未病，這才是中醫的使命。如果你運氣

不好去看了個庸中醫，就全面否定中醫那是很偏面

26

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的！西醫不但“眼看”病人腫瘤長大，才去切它，

其化驗結果同樣害人不淺：我曾經給我的病人反覆

說過這樣的事實：目前西醫檢查腎功能的指標，主

要是BUN和CR ，這兩個指標表示的是腎小球的濾過

功能，目前的研究已證實當一半以上腎小球失去功

能時，這兩個指標還可以正常，這主要是代償的關

係，可是一旦代償不了，BUN是陽性時，腎功能根

本就不能恢復，也就是很晚很壞的狀態了。事實上

許多人已經有很多腎陰、腎陽方面的問題，如形寒

怕冷、腰酸腿軟、頭暈耳鳴，自汗，陽萎；眩暈、

健忘、少寐、五心煩熱、盜汗、口乾等，也就是說

腎小球正在損害中，這時糾正多數不會有大問題，

但許多人就是因為看了化驗單說“沒問題”，就萬

事大吉了，恰恰這時，才是糟糕的開始，所以千萬

不要被化驗單所迷惑。許多症狀，本身就是嚴重問

題的開始，化驗不過是個參考。許多西醫完全跟著

化驗結果跑，將臨床經驗拋一邊，這是在美國看醫

生最令人頭痛的事情了！

作者：新世紀痛症中心王世鈞醫師

(408)309-3877

給孩子一個機會

YOU HAVE NOTHING TO LOSE

我進柏克萊了！2010年UC Berkeley Steven Lu

我是2006年11月從台灣移民到美國，那時我已是高二也就是這裡的十一年級

生。初到美國時，我以為這裡和台灣的制度一樣；只要把書讀好考試高分就可進入

一流名校。後來接受智勝教育中心的輔導，才了解美國的升學制度要進入一流的名

校並不是只重視成績，還要有課外活動等條件的配合，因此智勝教育顧問建議我先

到社區學院De Anza College上課並參與課外活動。在智勝團隊的指導及鼓勵下二

年來我按照他們建議的課程拿課在智勝老師的輔導下有很好的GPA成績，還有加強

課外活動社團的參與，並在PCAP

申請大學諮詢計劃的協助下，在提

交自傳(Personal Statement)時智

勝教育團隊指導我要充分清楚表達

自己經驗、想法、感受、期望等，

因此成功申請到UC Berkeley、

UCLA、UCSD、UC Davis等名校

讓我的夢想成真進入一流學府。我

在此見證，非常感謝智勝教育給我

正確的升學觀念及指導與幫助。我

誠心推薦智勝教育中心是進入一流

名校的最佳選擇。在美國成功不只

是要努力，還要有機會。而智勝能

夠帶領你抓住機會。

Cupertino (408)253-8300 ♦ Fremont (510)623-0800 ♦ San Mateo (650)312-8300 ♦ Millbrae (650)692-2838 ♦ San Francisco (415)668-6686

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TTLearning September 2010 Magazine