E  

Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly.

The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.

In any case, parents should make clear what, if anything, the child is expected to pay for with the money. At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more money until the next allowance.

The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics. Many people who have written on the subject of allowances say it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life.

Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.

Allowances give children a chance to experience the three things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save it.

Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future. Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance. A savings account is an excellent way to learn about the power of compound interest.

Compounding works by paying interest on interest. So, for example, one dollar invested at two percent interest for two years will earn two cents in the first year. The second year, the money will earn two percent of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.

77.For children who receive allowances, they’d better not ________.　　

 A. waste money to buy gifts for their parents or friends　　

 B. buy their favorite clothing or electronics for themselves　　

 C. save money like their parents or other adults　　

 D. ask for the next allowance before the decided date.

78．Many parents give children an allowance regularly to ______.　　

 A. meet children’s basic need for life        

B. give control over their children　　

 C. see whether they have financial mistakes  

D. help children learn how to manage money

79.If children are required to save their allowance, they ______.　　

 A. can experience three things related to money　　

 B. can understand the relation between goals and sacrifice　　

 C. will do more work around the house　　

 D. help themselves found the basis for their future life

80. What is the best title for the passage?

A. Be Generous to Pay Your Children

B. Be Wise to Avoid Financial Mistakes

C. Saving Allowances Does Good to Children

D. Allowances Help Children Learn about Money

　    Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly. The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance. In any case, parents should make clear what, if anything, the child is expected to pay for with the money.

At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more money until the next allowance. The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics.

Many people think it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life. Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.

Allowances give children a chance to experience the three things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save it. Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future.

Requiring children to save part of their allowance can also open the door to future saving. A saving account is an excellent way to learn about the power of compound interest. Compounding works by paying interest on interest. So, for example, one dollar invested at two percent interest for two years will earn two cents in the first year. The second year, the money will earn two percent of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.

14. Many parents give children an allowance regularly to ______.

   A. meet children’s basic need for life        B. give control over their children

   C. see whether they have financial mistakes   D. help children learn how to manage money

15. For Children who receive allowances, they’d better not ________.

   A. waste money to buy gifts for their parents or friends

   B. buy their favorite clothing or electronics for themselves

   C. save money like their parents or other adults

   D. ask for the next allowance before the decided date.

16. If children are required to save their allowance, they ______.

   A. can experience the three things related to money

   B. can understand the relation between goals and sacrifice

   C. will do more work around the house

   D. help themselves found the basis for their future life

17. What does the underlined phrase “compound interest” mean?

   A. The interest based on the original money and unpaid interest.

   B. A way of helping children earn two percent interest.

   C. The interest intended for children to earn money.

   D. A saving account opened for children’s allowance.

18. What would be the best title for the text?

   A. How to Give Children an Allowance

   B. Spend Your Allowance within a Budget

   C. Allowance Helps Children Learn about Money

   D. Doing Housework Earns Children Allowance

请认真阅读下列短文, 并根据所读内容在文章后表格中的空格里填入最恰当的单词。注意：每空格1个单词。
The job of raising children is a tough one. Children don’t come with an instruction handbook. And each child is different. So parents sometimes pull their hair out in frustration, not knowing what to do. But in raising children---as in all of life---what we do is influenced by our culture. Naturally then, American parents teach their children basic American values.
To Americans, the goal of parents is to help children stand on their own two feet. From infancy, each child may get his or her own room. As children grow, they gain more freedom to make their own choices. Teenagers choose their own forms of entertainment, as well as the friends to share them with. When they reach young adulthood, they choose their own careers and marriage partners. Of course, many young adults still seek their parents’ advice and approval for the choices they make. But once they "leave the nest" at around 18 to 21 years old, they want to be on their own, not "tied to their mother’s apron strings."
The relationship between parents and children in America is very informal. American parents try to treat their children as individuals ─ not as extensions of themselves. They allow them to fulfill their own dreams. Americans praise and encourage their children to give them the confidence to succeed. When children become adults, their relationship with their parents becomes more like a friendship among equals. But contrary to popular belief, most adult Americans don’t make their parents pay for room and board when they come to visit. Even as adults, they respect and honor their parents.
Most young couples with children struggle with the issue of childcare. Mothers have traditionally stayed home with their children. In recent years, though, a growing trend is to put preschoolers in a day care center so Mom can work. Many Americans have strong feelings about which type of arrangement is best. Some argue that attending a day care center can be a positive experience for children. Others insist that mothers are the best caregivers for children. A number of women are now leaving the workforce to become full-time homemakers.
Disciplining children is another area that American parents have different opinions about. Many parents feel that an old-fashioned spanking(一顿打) helps youngsters learn what "No!" means. Others prefer alternate forms of discipline. For example, "time outs" have become popular in recent years. Children in "time out" have to sit in a corner or by a wall. They can get up only when they are ready to act nicely. Older children and teenagers who break the rules may be grounded, or not allowed to go out with friends. Some of their privileges at home like TV or telephone use may also be taken away for a while. Although discipline isn’t fun for parents or children, it’s a necessary part of training.
Being a parent is a tall order. It takes patience, love, wisdom, courage and a good sense of humor to raise children. Some people are just deciding not to have children at all, since they’re not sure it’s worth it. But raising children means training the next generation and preserving our culture. What could be worth more than that?
Title: The Job of Raising Children

I got your letter and was glad to find that you had not forgotten Jourdon, and that you wanted me to come back and live with you again in Tennessee, promising to do better for me than anybody else can.

Although you shot at me twice before I left you, I did not want to hear of your being hurt. It would do me good to go back to the dear old home again and see Allen, Esther, Green, and Lee. Give my love to them all, and tell them I hope we will meet in the better world, if not in this.

I want to know particularly what the good chance is you propose to give me. I am doing tolerably well here in Ohio. I get twenty-five dollars a month, with food and clothing; have a comfortable home for Mandy, the folks call her Mrs. Anderson; and the children—Milly, Jane, and Grundy—go to school and are learning well. The teacher says Grundy has a head for a preacher. We are kindly treated.

Now, if you will write and say what wages you will give me, I will be better able to decide whether it would be to my advantage to move back again. We have concluded to test your sincerity by asking you to send us our wages for the time we served you. This will make us forget and forgive old scores and rely on your justice and friendship in the future. I served you faithfully for thirty-two years, and Mandy twenty years. At twenty-five dollars a month for me, and two dollars a week for Mandy, our earnings would amount to eleven thousand six hundred and eighty dollars. Add to this the interest for the time our wages have been kept back, and deduct（扣除）what you paid for our clothing, and three doctor’s visits to me, and pulling a tooth for Mandy. If you fail to pay us for faithful labors in the past, we can have little faith in your promises in the future.

In answering this letter, please state if there would be any safety for my Milly and Jane, who are now grown up, and both good-looking girls. I would rather stay here and starve—and die, if it should come to that—than have my girls brought to shame by the violence and wickedness of their young Masters. You will also please state if there has been any schools opened for the colored children in your neighborhood. The great desire of my life now is to give my children an education and have them form virtuous habits.

Say howdy to George Carter, and thank him for taking the pistol from you when you were shooting at me.

1.According to the passage, the letter was written by Jourdon to his former _______.

A．friend            B．master            C．neighbor          D．relative

2.Which of the following is RIGHT according to the passage?

A．The family name of this letter writer is Anderson.

B．The writer is paid the same as he was in Tennessee.

C．The writer will certainly get at least 11,680 dollars.

D．Safety rather than education weighs a lot to the writer.

3.The writer’s description of his present situation implies that _______.

A．he shows his intention of going back in Tennessee

B．he is somewhat richer and does not need to go back

C．his life is relatively good but still needs improvement

D．he is not a little satisfied with his present life in Ohio

4.The purpose of the writer’s asking for his pay back is _______.

A．to show he needs that amount of money urgently

B．to show he is determined to get what he deserved

C．to test whether the letter receiver is worthy of trust

D．to tell the letter receiver he still has faith in him

5.From the passage, we can see the writer is very _______.

A．wise             B．stupid            C．greedy           D．generous

请认真阅读下列短文, 并根据所读内容在文章后表格中的空格里填入最恰当的单词。注意：每空格1个单词。

The job of raising children is a tough one. Children don't come with an instruction handbook. And each child is different. So parents sometimes pull their hair out in frustration, not knowing what to do. But in raising children---as in all of life---what we do is influenced by our culture. Naturally then, American parents teach their children basic American values.

    To Americans, the goal of parents is to help children stand on their own two feet. From infancy, each child may get his or her own room. As children grow, they gain more freedom to make their own choices. Teenagers choose their own forms of entertainment, as well as the friends to share them with. When they reach young adulthood, they choose their own careers and marriage partners. Of course, many young adults still seek their parents' advice and approval for the choices they make. But once they "leave the nest" at around 18 to 21 years old, they want to be on their own, not "tied to their mother's apron strings."

   The relationship between parents and children in America is very informal. American parents try to treat their children as individuals ─ not as extensions of themselves. They allow them to fulfill their own dreams. Americans praise and encourage their children to give them the confidence to succeed. When children become adults, their relationship with their parents becomes more like a friendship among equals. But contrary to popular belief, most adult Americans don't make their parents pay for room and board when they come to visit. Even as adults, they respect and honor their parents.

    Most young couples with children struggle with the issue of childcare. Mothers have traditionally stayed home with their children. In recent years, though, a growing trend is to put preschoolers in a day care center so Mom can work. Many Americans have strong feelings about which type of arrangement is best. Some argue that attending a day care center can be a positive experience for children. Others insist that mothers are the best caregivers for children. A number of women are now leaving the workforce to become full-time homemakers.

    Disciplining children is another area that American parents have different opinions about. Many parents feel that an old-fashioned spanking(一顿打) helps youngsters learn what "No!" means. Others prefer alternate forms of discipline. For example, "time outs" have become popular in recent years. Children in "time out" have to sit in a corner or by a wall. They can get up only when they are ready to act nicely. Older children and teenagers who break the rules may be grounded, or not allowed to go out with friends. Some of their privileges at home like TV or telephone use may also be taken away for a while. Although discipline isn't fun for parents or children, it's a necessary part of training.

Being a parent is a tall order. It takes patience, love, wisdom, courage and a good sense of humor to raise children. Some people are just deciding not to have children at all, since they're not sure it's worth it. But raising children means training the next generation and preserving our culture. What could be worth more than that?

Title: The Job of Raising Children