14．Many children first learn the value of money by receiving an allowance（津贴）．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．
Allowances give children a chance to experience the 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 and maybe even invest 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（利息）．That may not seem like a lot．But over time it adds up．
（Note：Answer the questions or complete the statements in NO MORE THAN TWELVE WORDS．）
73．Parents give their children allowance to1earn the value of money．
74．Why are parents advised not to offer young children more money in advance？To show them how to make a budget．
75．What can we learn from the last paragraph？Saving can help children plan future finance．
76．By writing this passage，the author intends to make parentshave some idea on how to give allowances in a proper way．．
分析 文章介绍父母给儿童零花钱让他们学会理财，父母应该严格按照规定给孩子零花钱，这样可以帮助孩子学会做预算，还要学会存钱．
解答 73.1earn the value of money 细节题．根据第一句话Many children first learn the value of money by receiving an allowance可知，很多小孩第一次里了解钱的价值是通过获得津贴．
74．To show them how to make a budget． 细节题．在第三段介绍The object is to show young people that a budget demands choices between spending and saving可知，父母不要提前给孩子零花钱，要让他们明白预算的重要性．
75．Saving can help children plan future finance． 细节题．通过最后一段的第一句话Saving helps children understand that costly goals require sacrifice得知，存钱可以帮助孩子理解有代价的目标需用付出和牺牲，故存钱可以帮助孩子规划未来．
76．have some idea on how to give allowances in a proper way．主旨题．通过全文的内容可知，主要建议我们在给孩子零花钱这个问题上要严格按照规定，并帮助孩子养成理财的意识．
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