The Christmas season is an occasion you will certainly wish to spend with your friends and family. It is not even the sharing of gifts that matters, although you cannot discount the wide smiles it brings. It is the presence of people you love while you celebrate the summer season?s highlight, Christmas Eve. You should be prepared with many activities that may continue the fun in the air and steer clear of what every host or hostess fears most, which is boredom. One of the wonderful activities you can do is to get everyone sing in unison each of the Christmas songs they know. We have been using internet banking for quiet sometimes now. Even though there were internet banking security breach occasions, but the percentage is very small. People has learned to be very careful and protecting themselves when using internet banking. Internet banking users are smart people and they also know how to protect their computer from malware and hacker which has the opportunity to interrupt inside their internet checking account. In November 2017, Advisor Perspectives published an article said that in addition to the improvement of fuel efficiency, petrol consumption decline is due in large part to the following factors: the ageing staff away from the workplace; The home office model is developing more and more; Social media takes the place of face-to-face communication, and travel is unnecessary. More and more young people are no longer driving their cars. And urban population growth accelerated, reducing per capita gasoline dependence. Point 1: look at the power of the platform. Look at the overall strength of the selected p2p platform, such as size, registered capital, and whether the company's overall operation is standardized. In general, the larger the strength and scale, the more standard the company will be. Generally speaking, the interest rate varies according to the term of measurement, indicating that the method has annual interest rate, monthly interest rate and daily interest rate. Understand different connotation of interest rates, will help us for the financial concepts of interest rates has a more deepen understanding, especially the formation, change and derivatives need to be determined by the market, this is a very key factor.