[原文] Wash your hands. Always say “please” and “thank you”. We are full of advice for our children,but when it comes to money,we often have little to say. As a result,our children may grow up with clean hands and good manners,but without any idea how to manage their money.

  Here are some basics that will help guide them their entire lives:

  Show them the future. If your 13-year-old girl were to save $ 1,000,invest (投资) it at 8% and add $ 100 every month,by the time she’s 65,she would have $ 980,983!

  Be careful of credit cards (信用卡) • Credit cards can help you buy necessary things and build a credit history,but they must be used responsibly,which means paying off your debt on time. Explain to your children that when you buy something using a credit card,you can easily end up paying two or three times what you would have paid if you used cash.

  Teach patience. Suppose your child wants a new bicycle that costs $ 150. Rather than paying the cash,give him some regular pocket money and explain that by putting aside,say $ 15 each week,he will be able to buy it for himself in only ten weeks.

Provide incentive. Tell your children the importance of saving. “For every dollar he or she agrees to save and invest rather than spend,you agree to add another dollar to the pot,” says Cathy Pareto,an expert in money planning.

  Explain your values. Values and money are deeply intertwined,says Eilleen Gallo,co-author of The Financially Intelligent Parent. When your child demands that you buy something,explain why you really don’t want to buy it. “You might say, ‘I’d rather save that money for your education,advises Gallo. Every time you spend or don’t spend money,you have a chance to share your values.

[问题 1]The writer gives some basics to help      in a proper way.

   A. parents teach their children how to deal with money

   B. children follow their parents’ instructions

   C. children manage their money

   D. parents save their money

[答案]        

[理由]        

  I met Mrs Neidl in the ninth grade on a stage-design team for a play and she was one of the directors. Almost instantly I loved her. She had an unpleasant voice and a direct way of speaking,1        she was encouraging and inspiring. For some reason,she was impressed with my work and me.

  Mrs Neidl would ask me for my 2      . She wanted to know how I thought we should 3        things. At first I had no idea how to answer because I knew 4        about stage design!But I slowly began to respond to her 5      . It was cause and effect: she believed I had opinions,so I began to 6        them. She trusted me to complete things,so I completed them perfectly. She loved how 7        I was,so I began to show up to paint more and more. She believed in me,so I began to believe in myself.

  Mrs Neidl’s 8       that year was, “Try it. We can always paint over it 9        !” I began to take 10        I had been so afraid of failing but suddenly there was no failing only things to be 11        upon. I learned to dip my brush into the paint and 12        create something. The shy,quiet freshman achieved success that year. I was 13        in the programme as Student Art Assistant because of the time and efforts I’d put in. It was that year that I 14        I wanted to spend the rest of my life doing stage design.

Being on that stage design team 15        Mrs Neidl changed me completely. Not only was I stronger and more competent than I had thought,but also I 16       a strong interest and a world I hadn’t known existed. She taught me not to 17        what people think I should do. She taught me to take chances and not to be 18      .  Mrs Neidl was my com forter when I was upset. Her 19        in me has inspired me to do things that I never imagined 20      .

(   ) 1. A. and   B. yet

      C. so   D. for

(   ) 2. A. opinion   B. impression

      C. information   D. intention

(   ) 3. A. make   B. keep

       C. handle   D. change

(   ) 4. A. anything   B. something

       C. everything   D. nothing

(   ) 5. A. questions   B. comments

       C. explanations   D. remarks

(   ) 6. A. hold   B. follow

       C. evaluate   D. form

(   ) 7. A. happy   B. lively

       C. reliable   D. punctual

(   ) 8. A. message   B. motto

       C. saying   D. suggestion

(   ) 9. A. again   B. more

       C. instead   D. later

(   ) 10. A. steps   B. control

       C. charge   D. risks

(   ) 11. A. improved   B. acted

       C. looked   D. reflected

(   ) 12. A. easily   B. carefully

       C. confidently   D. proudly

(   ) 13. A. introduced   B. recognized

       C. identified   D. considered

(   ) 14. A. confirmed   B. decided

       C. realized   D. acknowledged

(   ) 15. A. with   B. below

       C. of   D. by

(   ) 16. A. developed   B. discovered

       C. took   D. fostered

(   ) 17. A. accept   B. care

       C. judge   D. wonder

(   ) 18. A. bored   B. lazy

       C. sad   D. afraid

(   ) 19. A. trust   B. patience

       C. curiosity   D. interest

(   ) 20. A. accessible   B. enjoyable

       C. possible   D. favourable

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