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.

　　I played a racquetball game against my cousin Ed last week. It was one of the most   1   and tiring games I've ever had. When Ed first phoned and   2   we play. I laughed quietly, figuring on an   3   victory all. Ed's idea of   4   has always been nothing more   5   than lifting a fork to his mouth,   6   I can remember, Ed's been the least physically fit member in the family, and   7    proud of himself. His big stomach has always ballooned out between his T-shirt and trousers. Although the family often   8   about that I'd refused to buy a   9   T-shirt or to lose weight. So when Ed  10   for our game not only with the bottom of his shirt gathered inside his trousers but also with a stomach you could hardly  11   , I was so surprised that I was   12   . My cousin must have made an effort to get himself into shape.   13   , at the point in our game when I'd have predicted (预计) the score to be about 9 to 1 in my favor, it was   14   7 to 9 and Ed was  15   . The sudden realization was painful. We   16   to play like two mad men. When the score was 16 up. I was having serious   17   about staying alive until 21 years old, let alone    18   that many points. When the game finally ended, both of us were lying flat on our backs, too tired to   19   . In a way, I think we both won. I the game, but cousin Ed my  20

1. A. encouraging　　　　　　　　 B. hopeless　　　　　　　　   C. surprising　　　　　　　　 D. regular

2. A. declared　　　　　　　　　　   B. mentioned　　　　 C. persuaded　　　　　　　　 D. suggested

3. A. unforgettable　　　　　　    B. unexpected　　　　　　   C. easy　　　　　　　　　　　　 D. early

4. A. exercise  　　　　　　　　　　 B. preparation　　　　　　   C. joy　　　　　　　　　　　　   D. fitness

5. A. time-saving　　　　　　　　  B. comfortable　　　　　　　　　　 C. suitable　　　　　　　　    D. effort-making

6. A. As soon as　　　　　　　　   B. As long as　　　　　　　　 C. When　　　　　　 D. Since

7. A. strangely　　　　　　　　　　  B. personally　　　　　　　　 C. reasonably　　　　　　    D. eagerly

8. A. cared　　　　　　　　　　　　   B. forgot　　　　　　　　　　  C. quarreled　　　　　　　　  D. joked

9. A. clean　　　　　　　　　　　　   B. larger　　　　　　　　　　   C. straight　　　　　　　　    D. darker

10. A. set out　　　　　　　　　　   B. got ready　　　　　　　　  C. arrived　　　　　　　　　　　　    D. returned

11. A. notice　　　　　　　　　　    B. admire　　　　　　　　　　  C. believe　　　　　　　　　　 D. measure

12. A. nervous　　　　　　　　　　　　    B. curious　　　　　　　　　　 C. careless　　　　　　　　    D. speechless

13. A. After all　　　　　　　　　　  B. As a result　　　　　　    C. Above all　　　　　　　　  D. At last

14. A. mistakenly　　　　　　　　  B. then　　　　　　　　　　　　 C. instead　　　　　　　　　　　　    D. naturally

15. A. leading　　　　　　　　　　   B. coming　　　　　　　　　　 C. waiting　　　　　　　　　　 D. counting

16. A. pretended　　　　　　　　   B. stopped　　　　　　　　    C. continued　　　　　　　　 D. decided

17. A. thoughts　　　　　　　　    B. doubts　　　　　　　　　　  C. situations　　　　　　　　  D. problems

18. A. scoring　　　　　　　　　　  B. completing　　　　　　    C. receiving　　　　　　　　  D. keeping

19. A. play　　　　　　　　　　　　   B. start　　　　　　　　　　　　 C. sleep　　　　　　　　　　    D. move

20. A. friendship　　　　　　　　   B. respect　　　　　　　　　　 C. support　　　　    D. favor

Every country has its own dining customs. Americans feel that the first rule of being a　 __36__　 guest is to be on time. If a person is invited to dinner at six thirty，the hostess　 __37__　 him to be there at six thirty or　 __38__　 a few minutes after. Because she usually does the cooking, she has to time the meal　 __39__ the hot rolls and the coffee and the meat can be at their best when the guests come. If they are late，the food will not be so　 __40__，and the hostess will be　 __41__.__42__ the guest cannot come on time, he should call his host or hostess on the phone, give the reason，and tell　 __43__ what time he can come.　 __44__the situations, guests sometimes bring a box of candy, a bottle of wine or a bunch of flowers to give to the hostess as a　 __45__ of appreciation.

As guests continue to arrive, it is usually considered polite for the　 __46__ in the group to　 __47__ when a woman enters the room and continue to stand until she is seated.　 __48__， most young people and some groups of elder people　 __49__　 stress equality of the sexes no longer observe the custom. A visitor should be　 __50__to each situation and follow the lead of the Americans present.

When the guests sit down at a dinner table，it is a　 __51__ for the men to help the ladies by pushing their chairs under them. However，some Americans　 __52__ do this, so the visitors must notice what others do and do the　 __53__.__54__ the meal is under way and if the dinner is in a private home，a guest　 __55__ avoid embarrassment by leaving talk to someone else.

36．A.polite 　　　 B．elegant C．honored 　　　 D．serious

37．A.tells　 　　　 B．expects C．asks 　　 D．hopes

38．A.at most　 B．less than 　C．at least D．more than

39．A.in case 　　 B．as long as C．so that D．on condition that

40．A.tender　 　 B．nutritious 　C．good 　　 D．enough

41．A.angry 　　 B．nervous 　C．shameful 　　 D．disappointed

42．A.If 　　 B．Unless 　C．Whether 　　　 D．Although

43．A.at　 　 B．in C．on D．about

44．A.Looking at 　　 B．Combined with C．Depending on 　　 D．Related to

45．A.matter 　　 B．heart C．sense 　 D．sign

46．A.host　 　　　 B．men 　C．hostess D．women

47．A.smile　 　　 B．stand 　C．applaud D．nod

48．A.As a result　 　 B．Moreover C．In addition 　 D．However

49．A.whose　 　 B．what C．who 　　 D．which

50．A.aware 　　 B．similar C．active 　 D．sensitive

51．A.custom　 　　　 B．regulation C．habit 　　 D．principle

52．A.even　 　 B．no longer C．still 　　　 D．no more

53．A.following　　 B．same C．deed　 　 D．example

54．A.Unless 　　 B．Until C．While 　 D．After

55．A.shouldn't B．must 　C．needn't D．may

A couple of years ago, I went to a lady’s house to buy some vitamins. Upon entering the house, I 　 31　 that there was an electronic keyboard on a stand, leaning　 32　 the wall. Being a piano music lover and 　 33 , I asked, if the woman played. She nodded and added that she had been 　34　 lessons—at age 54! I told her that it was very　 35　 that she was pursuing （追求） her passion（热情） to play the piano.

　 Then she asked me　 36　 question.

　 “I have been playing for 8 years now, ” I answered.

　 “Then you must play a song for me before you leave, ” she　 37 . I thought she was joking and I simply smiled. At the end of the deal of the vitamins, she　 38　 me of our musical “ 39　 ”. She then showed me to an old upright piano in the living room, 40 asked me to play a song for her. I thought　 41　 and decided to play David Lanz’s “Return to the Heart”, since she had so much passion for　 42　 , and it was my soul-searching song.

　 I played the song to the best of my ability, and with my emotions　 43　 into it as possible. She loved it. 　 44　 I was about to step out of the door, I heard a weak voice calling out, “Young man! ”

　 I turned around. And there was an old lady　 45　 one little step at a time with the help of another woman. “I wanted to come out to　 46　 you for the beautiful song that you played. I have been very sick, and it’s very hard for me to　 47　 my bed, but your music made me feel good, ”she said. With that, she turned around and walked　 48　 back to her room.

　 I was deeply　 49　 by her appreciation and felt a deeper understanding for the song. It served its purpose beautifully, returning to one’s　 50　 for peace and joy.

31. A. observed 　　　B. watched

C. noticed 　　　　　D. caught

32. A. on 　　　B. at

C. over 　　　 D. against

33. A. player 　　　B. teacher

C. composer 　　　D. starter

34. A. giving 　　　B. attending

C. teaching 　　　 D. reviewing

35. A. interesting 　　　B. wonderful

C. moved 　　　　　　D. impressive

36. A. another 　　　B. a different

C. the same 　　　　D. other

37. A. advised 　　　B. ordered

C. demanded 　　　D. requested

38. A. warned 　　　B. reminded

C. asked 　　　　　D. required

39. A. course 　　　B. task

C. discussion 　　　D. deal

40. A. and 　　　　 B. but

C. as a result 　　　D. what’s more

41. A. for the moment 　　　B. at the moment

C. for a moment 　　　　　D. at a moment

42. A. music 　　　B. songs

C. the piano 　　　D. vitamins

43. A. dropping 　　　B. falling

C. pouring 　　　　　D. running

44. A. Since 　　　B. As

C. While 　　　　 D. Because

45. A. taking 　　　B. making

C. having 　　　　 D. moving

46. A. thank 　　　B. praise

C. admire 　　　　D. owe

47. A. get on 　　　B. get up

C. get off 　　　　 D. get down

48. A. quietly 　　　B. calmly

C. happily 　　　　 D. slowly

49. A. shocked 　　　B. touched

C. delighted 　　　　D. disturbed

50. A. world 　　　B. heart

C. brains 　　　　 D. dreams

We often talk about ourselves as if we have permanent genetic defects(缺陷) that can never be changed. “I’m impatient.” “I’m always behind.” “I always put things 　　1 !” You’ve surely heard them. Maybe you’ve used them to describe　　　 ___2　 .

These comments may come from stories about us that have been 　3　 for many years—often from 　4　 childhood. These stories may have no 　5　 in fact. But they can set low expectations for us. As a child, my mother said to me, “Marshall, you have no mechanical (操作机械的) skills, and you will never have any mechanical skills for the rest of your life.” How did these expectations　 6　 my development? I was never 　7　 to work on cars or be around　 8　 . When I was 18, I took the US Army’s Mechanical Aptitude Test. My scores were in the bottom for the entire nation!

Six years later,　 9　 , I was at California University, working on my doctors degree. One of my professors, Dr. Bob Tannbaum, asked me to write down things I did well and things I couldn’t do. On the positive side, I　 10　 down, “research, writing, analysis, and speaking.” On the　 11　 side, I wrote, “I have no mechanical skills.”

Bob asked me how I knew I had no mechanical skills. I explained my life 　12 and told him about my 　13　 performance on the Army test. Bob then asked, “　 14　 is it that you can solve 　 15　 mathematical problems, but you can’t solve simple mechanical problems?”

Suddenly I realized that I didn’t 　16　 from some sort of genetic defect. I was just living out expectations that I had chosen to 　17　 . At that point, it wasn’t just my family and friends who had been　 18　 my belief that I was mechanically hopeless. And it wasn’t just the Army test, either. I was the one who kept telling myself, “You can’t do this!” I realized that as long as I kept saying that, it was going to remain true. 　19　 , if we don’t treat ourselves as if we have incurable genetic defects, we can do well in almost 　20　 we choose.

1. A. away 　　　　　 B. off 　　　　　　　 C. up 　　　　　　　　　 D. down

2. A. them 　　　　 B. myself 　　　　　 C. yourself 　　　　 D. others

3. A. said 　　　　　 B. spoken 　　　　　 C. spread 　　　　　 D. repeated

4. A. as long as 　 B. as far back as 　 C. as well as 　　　 D. as much as

5. A. basis 　　　　 B. plot 　　　　　　　 C. cause 　　　　　　　　　　 D. meaning

6. A. lead 　　　　　 B. improve　　　　　　 C. affect 　　　　　 D. change

7. A. encouraged B. demanded 　　 C. hoped 　　　　　 D. agreed

8. A. means 　　　 B. tools 　　　　　　 C. facilities 　　　　 D. hammers

9. A. therefore 　 B. somehow 　　　 C. instead 　　　　　 D. however

10. A. settled 　　 B. turned 　　　　　 C. took 　　　　　　　　　　 D. got

11. A. passive 　　　 B. active 　　　　　 C. negative 　　　　　 D. subjective

12. A. experiences 　　　 B. trips 　　　　　　　　　　 C. roads 　　　　　　 D. paths

13. A. unexpected B. poor 　　　　　　 C. excellent 　　　 D. average

14. A. When 　　　 B. What 　　　　　　 C. How 　　　　　　　 D. Why

15. A. complex 　 B. advanced　　　　　 C. common 　　　　 D. primary

16. A. arise 　　　　 B. separate　　　　　　 C. suffer 　　　　　 D. come

17. A. believe 　　 B. suspect 　　　　 C. adopt 　　　　　　 D. receive

18. A. weakening B. strengthening 　 C. abandoning 　 D. accepting

19. A. As a result 　　　 B. At the same time C. In addition 　　 D. On the contrary

20. A. anything 　　 B. something 　　 C. nothing 　　　　 D. all