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.

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

2.The underlined word　"incentive"　in paragraph 6 means ____.

A．honor            B．praise            C．excitement        D．encouragement

3.What leads the writer to write this article?

A.　Parents want to know how to educate their children.

B.　He wants to share his good ideas about money matters.

C　.He thinks money management the most important for children.

D.　Parents care 　little 　about their children's management of money.

　　A few days ago I asked my sons’ governess（女家庭教师）Julia to come into my study. “Be seated, Julia, ”I said, “Let’s settle our accounts. I guess you most likely need some money, but maybe you’re too polite to mention it. Now then, we agreed on thirty dollars a month...”

　　“Forty.”

　　“No, thirty. I made a note of it. I always pay our governess thirty. Well, um, you’ve been here two months, so...”

　　“Two months and five days.”

　　“Exactly two months. I made a special note of it. That means you have sixty dollars coming to you. Take off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.

　　“Three holidays, therefore take off twelve dollars. Four days Tom was sick and there were no lessons, as you were occupied only with Dick. Three days you had a toothache and my wife gave you permission not to work after lunch. Twelve and seven - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct？”

　　Julia’s left eye reddened with tears welling up. Her chin trembled; she coughed nervously and blew her nose, but - still not a word.

　　“Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, it was a treasure of the family, but- forget it. When didn’t I take a loss! Then, due to your neglect （疏忽）, Tom climbed a tree and tore his jacket; take away ten. Also due to your carelessness the maid stole Dick’s shoes. You ought to watch everything! You get paid for it. So, that means five more dollars off. The tenth of January I gave ten dollars.”

　　“You didn’t. ”sobbed Julia.

　　“But I made a note of it.”

　　“Well... if you say so.”

　　“Take twenty seven from forty one -that leaves fourteen.”

　　Both her eyes were filled with tears. Beads of sweat stood on the thin pretty little nose. Poor girl!

　　“Only once was I given any money,” she whispered, her voice trembling, “and that was by your wife. Three dollars, nothing more.”

　　“Really? You see now, and I didn’t know that! Take three from fourteen.. leaves eleven. Here’s your money, my dear. Three, three, three, one and one. Here it is !”

　　I handed her eleven dollars. She took them and pocketed them.

　　“Merci （法语: 谢谢）,”she whispered.

　　I jumped to my feet and started pacing the room. I was overcome with anger. “For what, this - ‘merci’?” I asked.

　　“For the money. ”

　　“But you know I’ve cheated you - robbed you ! I have actually stolen from you ! Why this‘merci’？”

　　“In my other places they didn’t give me anything at all.”

　　“They didn’t give you anything? No wonder! I played a little joke on you, a cruel lesson, just to teach you... I m going to give you all the eighty dollars! Here they are in the envelope all ready for you... Is it really possible to be so spineless （懦弱）?Why didn’t you protest? Why were you silent? Is it possible in this world to be without teeth and claws（爪）—to be such a fool?”

　　Embarrassed, she smiled. And I could read her expression,“It is possible.”

　　I asked her pardon for the cruel lesson and, to her great surprise, gave her the eighty dollars. She murmured her little“merci”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world !”

　　While talking to Julia, the wrier expected from her ________.

　　A. a protest　　　　　　　　　　　B. gratitude

　　C. obedience　　　　　　　　　　 D. an explanation

　　What shocked the writer was Julia’s ________.

　　A. nervousness in front of her boss

　　B. acceptance of injustice

　　C. shyness when talking about money

　　D. reluctance to express herself

　　The writer said, “Is it possible in this world to be without teeth and claws?” He was actually telling the governess ________.

　　A. to be more aggressive

　　B. to be more careful in her work

　　C. to protect her right

　　D. to live independently

　　At the end of the story, the writer said,“ How easy it is to crush the weak in this world!”to show ________.

　　A. his understanding of Julia’s anxiety

　　B. his worry about Julia’s future

　　C. his concern on the living condition of working - class people

　　D. his sympathy for the mental state of those exploited

Good afternoon, and welcome to England. We hope that your visit here will be a pleasant one. Today, I would like to draw your attention to a few of our laws.

The first one is about drinking. Now, you may not buy wine in this country if you are under 18 years of age, nor may your friends buy it for you.

Secondly, noise. Enjoy yourselves by all means, but please don't make unnecessary noise, especially at night. We ask you to respect other people who may wish to be quiet.

Thirdly, crossing the road. Be careful. The traffic moves on the left side of the road in this country. Use pedestrian crossings（人行道）and do not take any chances when crossing the road.

My next point is about rubbish. It isn't lawful to drop rubbish in the street. When you have something to throw away, please put it in your pocket and take it home, or put it in a dustbin.

Finally, as regards（至于）smoking, it is against the law to buy cigarettes or tobacco if you are under 16 years of age.

I'd like to finish by saying that if you require any sort of help or assistance（帮助）, you should contact the police, who will be pleased to help you. You can call, write or directly go to ask any policeman.                 

1.Who do you think is most likely to make the speech?

A. A guide（向导）   B. A person who makes laws

C. A teacher　　     D. An English officer

2.How many laws are there discussed in the speech?

A. Four　　 B. Three　　 C. Six　　 D. Five

3. The main purpose of this speech is to __________.

A. tell people that those above 18 can drink and smoke there

B. declare the different laws of England

C. give advice to travelers to the country

D. warn people against going to the country

4. The underlined word "contact" in the last paragraph means to __________.

A. keep in touch with（联系）   B. turn to　C. make a call to　　D. write to

A few days ago I asked my sons’ governess（女家庭教师）Julia to come into my study. “Be seated, Julia, ” I said, “Let’s settle our accounts. I guess you most likely need some money, but maybe you’re too polite to mention it. Now then, we agreed on thirty dollars a month...”

? “Forty.”

? “No, thirty. I made a note of it. I always pay our governess thirty. Well, um, you’ve been here two months, so...”

? “Two months and five days.”

? “Exactly two months. I made a special note of it. That means you have sixty dollars coming to you. Take off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.

? “Three holidays, therefore take off twelve dollars. Four days Tom was sick and there were no lessons, as you were occupied only with Dick. Three days you had a toothache and my wife gave you permission not to work after lunch. Twelve and seven - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct?”

? Julia’s left eye reddened with tears welling up. Her chin trembled; she coughed nervously and blew her nose, but-still not a word.

? “Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, it was a treasure of the family, but- forget it. When didn’t I take a loss! Then, due to your neglect（疏忽）, Tom climbed a tree and tore his jacket; take away ten. Also due to your carelessness the maid stole Dick’s shoes. You ought to watch everything! You get paid for it. So, that means five more dollars off. The tenth of January I gave ten dollars.”

? “You didn’t. ”sobbed Julia.

? “But I made a note of it.”

? “Well... if you say so.”

? “Take twenty seven from forty one -that leaves fourteen.”

? Both her eyes were filled with tears. Beads of sweat stood on the thin pretty little nose. Poor girl!

? “Only once was I given any money,” she whispered, her voice trembling, “and that was by your wife. Three dollars, nothing more.”

? “Really? You see now, and I didn’t know that! Take three from fourteen.. leaves eleven. Here’s your money, my dear. Three, three, three, one and one. Here it is!”

? I handed her eleven dollars. She took them and pocketed them.

? “Merci（法语: 谢谢）,” she whispered.

? I jumped to my feet and started pacing the room. I was overcome with anger. “For what, this - ‘merci’?” I asked.

? “For the money.”

? “But you know I’ve cheated you - robbed you! I have actually stolen from you! Why this‘merci’?”

? “In my other places they didn’t give me anything at all.”

? “They didn’t give you anything? No wonder! I played a little joke on you, a cruel lesson, just to teach you... I m going to give you all the eighty dollars! Here they are in the envelope all ready for you... Is it really possible to be so spineless（懦弱）? Why didn’t you protest? Why were you silent? Is it possible in this world to be without teeth and claws（爪）-to be such a fool?”

? Embarrassed, she smiled. And I could read her expression,“It is possible.”

? I asked her pardon for the cruel lesson and, to her great surprise, gave her the eighty dollars. She murmured her little“merci”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world!”

1.While talking to Julia, the writer expected from her________.

A. a protest　　　B. gratitude　? C. obedience　　 D. an explanation

2.What shocked the writer was Julia’s ________.

A. nervousness in front of her boss???????

B. acceptance of injustice

C. shyness when talking about money?????

D. unwillingness to express herself

3.The writer said, “Is it possible in this world to be without teeth and claws?” He was actually telling the governess ________.

A. to be more aggressive??????? B. to be more careful in her work

C. to protect her right?????????? D. to live independently

4.At the end of the story, the writer said,“ How easy it is to crush the weak in this world!” to show ________.

A. his understanding of Julia’s anxiety

B. his worry about Julia’s future

C. his concern on the living condition of working-class people

D. his sympathy for the mental state of those exploited

5.From the story, we can tell that Julia’s employer was________.

A. greedy but honest????? 　 B. ill-tempered but warm-hearted

C. strict but forgiving??????? D. none of the above

Of all living creatures on earth, insects are the most plentiful. Some　 36　 are very useful to man, for example, bees,　 37　 we get honey and wax, and silkworms, which　 38　 us with silk. Other varieties,　 39　 , are extremely harmful, and do a great　 40　 of damage, especially to crops. Locusts （蝗虫） are perhaps the most dangerous of all,　 41　 they will eat almost any green　 42　 , and when millions of them　 43　 on cultivated land（耕地）they soon leave it　 44　 . In some countries they are the farmer’s　 45　 enemy. Another nuisance is the common　 46　 , not only because it　 47　 us indoors and out - of- doors, but because it spreads diseases.

　　Scientists have given much time and　 48　 to the study of insects. It needs the most careful and　 49　 observation. Thanks　 50　 their discoveries we now know almost all　 51　 is to be known about the habits of these hardworking insects, bees and ants, which live in　 52　 better planned in some ways than our　　53　 . But the most valuable work has been done in trying to give　 54　 to men, animals and crops from the　 55　 which insects cause.

　　36．A. members  B. forms  C. qualities  D. varieties

　　37．A. by which  B. from which  C. of which  D. in which

　　38．A. give  B. produce  C. offer  D. supply

　　39．A. however  B. meanwhile C. therefore  D. what's more

　　40．A. majority  B. number  C. amount  D. quantity

　　41．A. and  B. for  C. if  D. when

　　42．A. grass  B. field  C. fruit  D. plant

　　43．A. settle  B. attack  C. pass  D. cross

　　44．A. bare  B. nothing  C. empty  D. untouched

　　45．A. hardest  B. greatest  C. serious  D. wildest

　　46．A. insect  B. creature  C. fly  D. enemy

　　47．A. dislikes  B. bites  C. worries  D. hates

　　48．A. understanding  B. ideas  C. comprehension  D. thought

　　49．A. serious  B. patient  C. curious  D. long

　　50．A. for  B. of  C. to  D. with

　　51．A. that  B. which  C. there  D. what

　　52．A. societies  B. crowds C. teams  D. organizations

　　53．A. world  B. nation  C. selves  D. own

　　54．A. help  B. protection  C. living  D. defense

　　55．A. injury  B. wound  C. sickness  D. ruin