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Parents are often scared to talk to their kids about money. In fact kids need to understand how to save and manage their money. Proper preparation of your children, even at a young age, can start them down the path of a successful financial life. 1. .

Talk early and often

Children start learning about money long before their first savings account, job or credit

card 2. Avoiding the subject until your child needs a bank account can make the conversation hasty (草率的) and confusing.

3. ___

A trip to the grocery story is a good time to explain price comparison, value and inflation. An ATM stop offers a chance to explain that money doesn't actually come from a machine. You can discuss both earned income, investment returns and even inheritance. Opening bills is a chance to talk about payment for services,, credit card debt and interest rates. Children need to be taught about debt, specifically loans and credit cards.

Talk about giving.

Children should learn that money doesn't always need to be used for them. 4. Don't just write the charitable check. Get the kids involved in the process by asking them to pick and check, charities.

Websites like http:// www. charitynavigator. org and guidestar. org provide information and ratings.

5. ___

If they open a savings account, they can place their savings in the bank to earn a small amount of interest. Besides, they can learn about fees, account maintenance ( 管理员) and even interest. It can provide a motivation for them to save money. You. can offer them a prize if they put the money into savings.

A. Open a checking and savings account.

B. It can also provide assistance to others.

C. Children are eager to know about money.

D. Begin the conversation even before they're in school by talking about work and money.

E. Here are some tips that might help you teach kids about money.

F. Parents should help their children know how to use money.

G.. Everyday activities are teachable moments.

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In my living room, there is a plaque that advises me to “bloom 1. you are planted”. It reminds me of Dorothy. I got to know Dorothy in the early 1980s, when I was teaching Early Childhood Development through a program. The job 2. (responsible) required occasional visits to the classroom of each teacher in the program. Dorothy stands out in my memory as on one 3. bloomed in her remote area.

Dorothy taught in a remote school near Harlan. To get to her school from the town of Harlan, I followed a road 4. (wind) around the mountain. In the eight-mile journey, I crossed the same railroad track five times, giving the possibility of 5. (catch) by the same train five times. Rather than feeling excited by this drive through mountains, I found it depressing. The poverty level was shocking and the small shabby houses gave me the greatest feeling of 6. (hope).

From the moment of my arrival at the little school, all my gloom disappeared. Upon arriving at Dorothy’s classroom, I was greeted with smiling faces and treated like a queen. The children 7. (prepare) to show me their 8. (late) projects. Dorothy told me with a smile that they were serving poke greens salad and cornbread they made themselves for dinner.

Lonely 9. she was far away from the modern civilization and convenience, she never ran out of reports of exciting activities of her students. Her enthusiasm never cooled down. She passed all the tests 10. (excellent) and I found that Dorothy was really blooming where life had planted her.

When Julio Diaz stepped off the subway after work one night, he was simply planning to go to his favorite local diner for a meal. But when a teenage boy approached him with a knife, Diaz knew the evening was about to take a more dramatic(巨大而突然的) turn.

The young man demanded Diaz’s wallet, and Diaz passed it over without objection(异议). But just as he turned to walk away, Diaz called, “Hey, wait a minute. You forgot something.”

The young man turned around, surprised.

“If you’re going to rob people for the rest of the night, you might as well take my coat to keep warm.”

The teenager looked at Diaz in disbelief, and asked why he would do such a thing. Diaz replied, “If you’re willing to risk your freedom for a few dollars, I guess you must really need the money.”He said he was heading out for dinner, and that he would be happy to take someone with him.

The young man decided to take Diaz up on his offer. As they were sitting at the table, the manager, dishwashers and waiters all stopped over to say hello to Diaz, and the young man was amazed at his popularity.

“Haven’t you been taught that you should be nice to everybody?”Diaz asked him.

“Yeah, but I didn’t think people actually behaved that way,” the teenager replied. Thanks to Diaz, he was beginning to see that kindness wasn’t so strange, after all.

When the bill came, Diaz told the teen that he’d have to get the check. After all, he still had Diaz’s wallet.

But the teenager put the wallet on the table without a moment’s thought, and Diaz treated him to dinner. Diaz also gave the would-be robber a $20 bill — in exchange for his knife. “I figure, you know, if you treat people right, you can only hope that they treat you right,” Diaz said.

1.The young man felt surprised when Diaz ________.

A. called him to wait for a moment

B. passed the wallet over without objection

C. stepped off the subway platform

D. invited him to have dinner together

2.The underlined part “take Diaz up on” can be replaced by “________”.

A. follow B. understand C. accept D. check

3.The teenager gave the wallet back to Diaz maybe because _________.

A. Diaz was so popular with people in the restaurant

B. he had been given a $20 bill to take with him

C. Diaz had to pay for the meal they had together

D. he began to realize people should be nice to others

4.Diaz possibly felt _________ during the whole night.

A. worried and helpless B. relaxed and happy

C. angry and scared D. surprised and anxious

Students from Florida International University in Miami walked on water Thursday for a class assignment. To do it,they wore aquatic (水上的)shoes they designed and created.

Alex Quinones was the first to make it to the other side of a 175-foot lake on campus in record time—just over a minute. Quinones,who wore oversized boat-like shoes,also won last year and will receive $ 500.

Students had to wear the aquatic shoes and make it across the lake in order to earn an “A” on the assignment for Architecture Professor Jaime Canaves'Materials and Methods Construction Class.“It's traditional in a school of architecture to do boats out of cardboard for a boat race. I thought our students were a little bit more special than that,” Canaves said.“We decided to do the walk on water event to take it to the next level.”

A total of 79 students competed in the race this year in 41 teams. Only 10 teams failed to cross the lake. Others who fell got back up and made it to the end. The race is open to all students and anyone in the community. The youngest person to ever participate was a 9-year-old girl who competed in place of her mother,while the oldest was a 67-year-old female.

A large crowd on campus joined Canaves as he cheered on the racers. He shouted encouraging words,but also laughed as some unsteadily made their way to the end.

“A part of this is for them to have more understanding of designing and make it work better,” he said. It is also a lesson in life for the students.

“Anything,including walking on water,is possible,if you do the research,test it and go through the design process seriously.

1.Which statement about Alex Quinones is true ?

A. He finished the race in less than a minute.

B. He won the race with the help of 2 boats.

C. He failed the race last year.

D. He set a new record this year.

2.For what purpose did the students take part in the race?

A. To go across the lake to school.

B. To test their balance on the water.

C. To pass Professor Canaves' class.

D. To win the prize money of $ 500.

3.Which of the following is true about the race?

A. The students who fell into the water had to quit.

B. More than 20 teams failed to cross the lake.

C. The students kept silent when the other racers competed.

D. The youngest competitor competed instead of her mother.

4.According to Canaves,this race can help the students .

A. understand designing better

B. achieve almost everything

C. work together and unite as one

D. walk on the surface of water

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