An allowance(零花钱) is an important tool for teaching kids how to make plans for the use of money, save and make their own decisions. Children remem­ber and learn from mistakes when their own dollars are lost or spent foolishly.
How large an allowance is suitable? Experts say there is not right amount. Actual amounts differ from region to re­gion, and from family to family.
To set an suitable allowance for your child, work up a weekly plan. Allow for entertainment costs such as movies and snacks. Next, include everyday expenses such as lunch money, bus fare, school supplies. "If you make the child responsible for these bills’," says Josephine Swanson, a consumer specialist, " he or she will learn to plan for nec­essary costs."
Finally, add some extra money to make saving possible. If you can keep your child’s allowance in line with that of his friends. A child whose buying power falls away below his peers’ can feel left out.
It can be tough, but don’t excuse your children when they make a mistake with their allowance. When Brooke Ste­phens was ten and growing up in Jacksonville, her mother gave her $5 a week, $1.75 of which was for bus fare and lunch." If you lose your money," Brooke’s mother told her, "you walk home."
One week the girl spent all her allowance in a candy store, then she called home for a ride. " Mom made me walk home," recalls Stephens, now a financial planner in Brook­lyn. " At first I was angry. But I finally realized that she was trying to teach me an important lesson. "
Experts advise that an allowance should not be tied di­rectly to a child’s daily housework at home. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family. You might, however, pay a child for doing extra jobs at home, which can develop his or her early habits.
【小题1】Which of the following is the possible title of the passage?

An allowance(零花钱) is an important tool for teaching kids how to make plans for the use of money, save and make their own decisions. Children remem­ber and learn from mistakes when their own dollars are lost or spent foolishly.

How large an allowance is suitable? Experts say there is not right amount. Actual amounts differ from region to re­gion, and from family to family.

To set an suitable allowance for your child, work up a weekly plan. Allow for entertainment costs such as movies and snacks. Next, include everyday expenses such as lunch money, bus fare, school supplies. "If you make the child responsible for these bills’," says Josephine Swanson, a consumer specialist, " he or she will learn to plan for nec­essary costs."

Finally, add some extra money to make saving possible. If you can keep your child’s allowance in line with that of his friends. A child whose buying power falls away below his peers’ can feel left out.

It can be tough, but don’t excuse your children when they make a mistake with their allowance. When Brooke Ste­phens was ten and growing up in Jacksonville, her mother gave her $5 a week, $1.75 of which was for bus fare and lunch." If you lose your money," Brooke’s mother told her, "you walk home."

One week the girl spent all her allowance in a candy store, then she called home for a ride. " Mom made me walk home," recalls Stephens, now a financial planner in Brook­lyn. " At first I was angry. But I finally realized that she was trying to teach me an important lesson. "

Experts advise that an allowance should not be tied di­rectly to a child’s daily housework at home. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family. You might, however, pay a child for doing extra jobs at home, which can develop his or her early habits.

1.Which of the following is the possible title of the passage?

A．How to develop a child’s early habits.

B．How to work up an amount of pocket money.

C．How to teach a child about money.

D．How to teach a child to save money.

2. It can be inferred from the passage that if a child is given an allowance, he or she may ________.

A．spend all the money very soon

B．fall into the bad habit of wasting money

C．feel responsible and careful about money

D．lose the money and can not return home

3. In Paragraph 4, the words “his peers” refer to ________.

A．his parents                            B．his friends

C．his financial experts                     D．his teachers

4. Why does the writer mention Brooke Stephens?

A．To question the opinion about pocket money.

B．To compare Stephens with other financial experts.

C．To explain that parents should be strict when children are developing good habits about money.

D．To suggest pocket money is useless in developing a child’s sense of responsibility.

5. The writer implies in the passage that ________.

A．children may feel lonely if they have no pocket money

B．a child’s early good habits can be developed if he or she is paid for all the housework

C．paying children for their housework is no good

D．children may learn to put aside some money if they are given a great amount of pocket money

An allowance(零花钱) is an important tool for teaching kids how to make plans for the use of money, save and make their own decisions. Children remem­ber and learn from mistakes when their own dollars are lost or spent foolishly.
How large an allowance is suitable? Experts say there is not right amount. Actual amounts differ from region to re­gion, and from family to family.
    To set an suitable allowance for your child, work up a weekly plan. Allow for entertainment costs such as movies and snacks. Next, include everyday expenses such as lunch money, bus fare, school supplies. "If you make the child responsible for these bills’," says Josephine Swanson, a consumer specialist, " he or she will learn to plan for nec­essary costs."
     Finally, add some extra money to make saving possible. If you can keep your child’s allowance in line with that of his friends. A child whose buying power falls away below his peers’ can feel left out.
    It can be tough, but don’t excuse your children when they make a mistake with their allowance. When Brooke Ste­phens was ten and growing up in Jacksonville, her mother gave her $5 a week, $1.75 of which was for bus fare and lunch." If you lose your money," Brooke’s mother told her, "you walk home."
    One week the girl spent all her allowance in a candy store, then she called home for a ride. " Mom made me walk home," recalls Stephens, now a financial planner in Brook­lyn. " At first I was angry. But I finally realized that she was trying to teach me an important lesson. "
    Experts advise that an allowance should not be tied di­rectly to a child’s daily housework at home. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family. You might, however, pay a child for doing extra jobs at home, which can develop his or her early habits.
66、Which of the following is the possible title of the passage?

67、 It can be inferred from the passage that if a child is given an allowance, he or she may ________.

68、 In Paragraph 4, the words “his peers” refer to ________.

69、 Why does the writer mention Brooke Stephens?

70、 The writer implies in the passage that ________.

Several months ago I decided it would be wise to investigate（投资）the possibilities of buying a life insurance policy（保险）. I got the name of an insurance agent（代理人） from a friend and called the agent for some information. From the questions-I asked him, he could tell I knew nothing about insurance, so he kindly offered to help me determine the kind of policy I ought to be considering.

    That night he appeared at my door at 7:30; without wasting time he spread his papers out on the kitchen table and began a long explanation. I listened attentively as he felt I ought to. After three or four hours of talking, he kindly helped me fill out an form for a $ 50,000policy ,and then he asked if 1 could go to a Dr. Luther's office on Friday for a physical examination.

    I don't know why, but it was not until the mention of the doctor's appointment（约定）that I realized fully what was happening. I was about to sign lifetime contract（合同）, yet I had not really made a decision about whether I wanted to buy the policy or not. As a matter of fact, the question of a need for a decision from me one way or the other had not even come up. Suddenly I felt sure that I really did not want to buy the policy. However, since he had spent 80 much time with me, I didn't want to make him feel that he had wasted his time. So I invented an excuse about things I had to do on Friday, and I assured I would call him in a few days. Actually, I had no intention of going to see Dr. Luther or of calling the agent again.

I wanted to forget the whole thing -- it's been over three months now since our meeting, and my friendly insurance agent still calls at my office faithfully two or three times a week. My secretary knows that I don't want to talk to him, so when he calls she tells him that I'm in a meeting or that out of the office or that I'm away on a business trip. I realize now that it was a mistake not to tell him that first night that I didn't want the policy. Since! still can't bring myself to tell him directly that I'm not interested, and please not to bother me anymore, all I can do is avoid his calls and hope I don't run into him some place.

1．The writer phoned the insurance agent because         .

    A． he wanted to fill out a form for a life insurance policy

B． he had decided to buy a life insurance policy

    C． he took great interest in the insurance company

  D． he was eager to explore the possibilities of buying a life insurance policy

2．After several hours of talking, the writer        .

    A． decided to buy the policy

    B． decided to think over the matter

    C． made an appointment with Dr. Luther

D． decided not to buy the policy

3．The underlined word "assured" in the massage most probably means      .

    A． suggested          B． promised            C． insisted         D． decided

4．Which of the following is TRUE?

    A． The writer has tried many ways to get rid of the agent.

B． The agent is easily put off.

    C． The writer intends to call the agent in a few days.

D． The agent phones every day.

Laziness is a state of inaction. It is something that you do, not something that you are. Being lazy means you have no         to do anything. This is obvious but the mistake that many people make is          themselves as someone who is lazy.

Lazy people are often seen as useless.      , are they really being lazy or are they acting lazy? There is a huge difference between saying you are lazy sometimes and you are a lazy person. One is suggesting that your laziness is       while the other suggests that it’s permanent. This is the myth of laziness. People who are lazy aren’t lazy; they      are people who are temporarily acting that way.

So what causes a person to be inactive? The answer is a lack of goals. If you give someone a good enough      to do something, he will do it. People who don’t seem to do anything just haven’t found a good enough reason to do something. Lazy students don’t study because they don’t see the        in studying. For example, if you are too lazy to clean out the garage, would someone        a gun to your head help you take action? The reason can be positive or negative      it’s strong enough to induce(引起) action.

To motivate someone who is lazy, what you need to do is to help him find enough      to work towards a certain goal.

1.A. motivation B. question       C. promotion     D. courage

2.A. agreeing    B. denying         C. identifying    D. refusing

3.A. Otherwise B. Besides C. However       D. Therefore

4.A. correct       B. false      C. temporary     D. inspirational

5.A. simply         B. occasionally          C. often     D. hardly

6.A. excuse       B. gift         C. chance D. purpose

7.A. point B. success C. situation        D. difficulty

8.A. dropping    B. pointing         C. shooting        D. hiding

9.A. as long as B. as soon as     C. so that  D. in case

10.A. reasons    B. money  C. energy  D. Confidence