Parents and children often face the challenges of money. Common topics include setting the pocket money, learning to save, and deciding on expensive purchases. The goal of most parents is to teach their kids how to manage money wisely. The goal of most kids is getting money to spend. How can families balance these goals?
“All parents hope they’ll raise a money-savvy kid, who’ll grow up to be an adult wise in their money use.” says financial (金融的)planner Peg Eddy. The key is letting kids learn by having a little money of their own.
The Tidier family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan, 17, has been helping with their garden since he was 8. Now he has been able to save $7,800. Ryan has come to see the value in making his own money even when other kids are given money by their parents.
Learn Now, Save Later
Money skills are an important part of becoming a successful adult. David Brady, another
financial planner, says, “Young people today will have much more responsibility for their financial future than their parents or grandparents.”
Brady does remind kids. “They shouldn’t be thinking about money all the time,” he says.
However, they should understand basic rules for earning, saving and investing (投资).
That knowledge is greatly needed. Over the past years, the average credit card debt (债 务)of Americans ages 18 to 24 doubled, to nearly $ 3,000. Among high school students, four out of five have never taken a personal-finance class.
Talking About It
Many kids want to learn how to manage their money. But parents
think only about what kids shouldn’t do. Instead, experts say,
knowing how to manage money is the best way for kids to get
what they really want. That means long-term planning and saving
for big expenses like college or a car. It also means thinking of others, by making donations to charity (慈善).
Giselle Lopez, 17, of New York City, learned the hard way. She was over $ 2,000 in debt on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the debt off slowly herself. “Now every time I use it, I know that it comes from my own pocket,” Giselle says.
“That gives me a sense of responsibility for my actions.”
Different kids will have different styles when it comes to money. Teaching them how to use
money doesn’t have to mean setting strict rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves.
1.Brady believes that .
A. parents should attend more personal-finance classes
B. parents should teach their kids how to save
C. kids should learn how to manage money
D. kids should follow the school rules
2.Why did the writer say Giselle Lopez “learned the hard way”?
A. Because she had to pay the debt off slowly herself.
B. Because she had to make donations to charity.
C. Because she had difficulty finishing her job.
D. Because she had too many credit cards.
3.What is the best title for the passage?
A. Saving Matters! B. Parents Rule! C. Classes Work! D. Money Counts!
1.C 2.A 3.D 【解析】文章讲述了让孩子学会明智的自己的金钱。 1.根据 they should understand basic rules for earning, saving and investing (投资)他们应该理解挣钱,节约和投资的基本规则。可知选C 2.根据Giselle Lopez, 17, of New York City, learn...科目:初中英语 来源:江苏省江阴市2017-2018学年八年级下学期第一次月考英语试卷 题型:单选题
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Once a man was shipwrecked(遭遇海难)on a small, lonely island. There was no one living on this island, so he hoped that someone could come to save him. Every day he watched the sea, but no ships ever appeared.
He thought he should do something to save himself. He built a little house out of wood. But one day, he arrived home to find his little house on fire. The smoke rose to the sky. He cried,“God, how could you do this to me?”
Early the next day, however, a ship was coming to the island. It came to save him.
“How did you know I was here?”The man asked these people.“We saw your smoke signal(信号),”they answered.
It is easy to get discouraged when things are going badly. But we shouldn’t lose heart, because hope is at work in our lives. Remember, next time your little house is burning to the ground, it just may bring you better luck.
1.Why did the man stay on this island?
A. He tried to test his skills to live there.
B. His ship had an accident at sea.
C. He liked the beauty of this island.
D. His friends left him on this island.
2.What did the man do on this island?
A. He did nothing but worry every day.
B. He tried every means possible to call for help.
C. He built a house to save himself first.
D. He did something to enjoy himself there.
3.Those people found the man because .
A. he made a fire as a signal to call help
B. they found some food on this island
C. they saw his little house on the island
D. a fire happened on the island
4.The underlined word “discouraged”probably means“”in Chinese.
A.兴奋的 B.外向的 C.骄傲的 D.气馁的
5.What does the story tell us ?
A.A bad thing can turn into a good one.
B. Accidents always mean good luck.
C. Everything can go well in the end.
D. Saving yourself is better than asking for help.
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