EAT YOUR VEGETABLES.　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!zxxk
Be careful of credit(信用).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 in 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,　expert in money planning.
Explain your values.　Values and money are deeply intertwined(缠结在一起),　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.
【小题1】The writer gives some basics to help ____ in a proper way.

完形填空（共20小题；每小题1.5分，满分30分）

　　阅读下面短文，掌握其大意，然后从36—55各题所给的四个选项（A，B，C和D）中，选出最佳选项。

　　I went to Beijing this National holiday, and it was an interesting experience of my life.

　　My friends told us that taking the “hard　 36　 ”to Beijing would be really terrible. So we didn’t know what to　 37　. But we were pleasantly surprised when we finally boarded the

　 38　 , which was relatively modern and　 39　 . During the 14 - hour ride we ate peanuts and talked. It was not　 40　 at all.

　　It was morning when we arrived. We stepped out of the railway station, having sat in hard seats and not getting much　 41　 . However, We had energy, First we tried to get teturn tickets to Shanghai, but the tickets seller　 42　 us that tickets would not be on　 43　 for another two days. We were a little worried about getting　 44　 , but we made up our minds to　 45　 for the hotel to put our bags down. After fighting our way　 46　 the“ gypsy”taxi drivers that tried to　 47　 us one hundred yuan for the ride, we found a taxi and it　 48　 cost us thirty yuan to get　 49　 we had planned to go. When we reached the hotel, there was a window for airplane and train tickets.　 50　 the man behind the counter could get tickets that day, which we

　 51　 . The most important lesson about China I ever　 52　 , is to get someone to do your work for you, and it seems to work out much　 53　 . We were not able to get tickets, but the

　 54　 agents（代理）could.

While in Beijing we saw a lot of places of interest, most of which were very　 55　 . It was fun to be with thousands of people in one place, There aren’t any words to describe it.

36．A. chair                       B. bed                         C. seat                         D. bench

37．A. provide                   B. expect                     C. happen                    D. think

38．A. plane                             B. bus                         C. ship                        D. train

39．A. quick                             B. clean                       C. simple                     D. long

40．A. bad                         B. good                       C. easy                        D. hard

41．A. trouble                    B. food                        C. sleep                       D. help

42．A. promised                 B. informed                 C. advised                    D. persuaded

43．A. time                        B. show                       C. duty                        D. sale

44．A. behind                    B. out                          C. through                   D. back

45．A. start                        B. ask                          C. look                        D. pay

46．A. towards                   B. into                         C. across                      D. past

47．A. offer                       B. charge                     C. bargain                    D. share

48．A. even                       B. still                         C. also                         D. only

49．A. what                       B. which                      C. where                      D. how

50．A. Somehow                B. However                 C. Therefore                D. Otherwise

51．A. wouldn't                  B. couldn't                   C. shouldn't                  D. needn't

52．A. learned                    B. taught                     C. offered                    D. heard

53．A. harder                     B. earlier                     C. later                        D. easier

54．A. business                  B. transport                  C. travel                             D. hotel

55．A. interesting                      B. crowded                  C. famous                    D. noisy

Life on land probably began about 430 million years ago, though it has existed in the water for perhaps as much as 3,000 million years. When we think of the first thing on land, we probably think of strange animals coming out of the oceans, but in fact no animals could have been living if plants had not been on land first. Plants had to be on land before animals arrived. They supplied the first land animals with the surrounding and food necessity, since they, the plants, are the only form of life that is able to get and store energy.

　　The first plants to exist out of the water were probably certain kinds of algae（海藻）which were followed by other plants that grew close to the ground and needed water in which to reproduce. Once the move to land had been made, however, evolution（进化）took place quickly. By the end of 100 million years, plants had developed their roots（根）,and some had got tree -like forms since height was very important in gaining sunlight. About 300 million years ago, much of the world was covered with forests of huge trees. In most ways they were like modern trees. They had roots, leaves, wood, but mostly they had not developed seeds.

　The main idea of the first paragraph is ________.

　　A. life on land probably began 430 years ago

　　B. the first animal on land came from oceans

　　C. there wouldn't be animals without plants

　　D. plants are the only form of life that is able to get and store energy

　Which of the following statements is true according to the passage?

　　A. Algae has existed for more than 430 million years.

　　B. It is impossible that algae might be the earliest plant on land.

　　C. Plants get food from animals in the oceans.

　　D. Evolution began after animals appeared on land.

　Plants with roots appeared about ________ million years ago.

　　A. 430　　　　　B. 300　　　　　 C. 330　　　　　 D. 100

　According to the passage, ________ appeared earlier than ________.

　　A. apples; oranges　　　　　　　　 B. oranges; apples

　　C. oranges; roses　　　　　　　　　D. algae; wheat