18．阅读下面的短文，然后按照要求写一篇150词左右的英语短文．
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﹩100，put it in the bank at 8% interest and add﹩10 every month，by the time she's 65，she would have﹩98，098!Be careful of credit．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 you paying the cash，give him some regular pocket money and explain that by putting aside，say，﹩15each week，he will be able to buy it for himself in only ten weeks．
Provide encouragement．Tell your children the importance of saving．And for every dollar he or she agrees to save and invest rather than spend，you agree to add another dollar to the pot．
[写作内容]
1）以约30个词概括这段短文的内容；
2）然后以约120个词就"父母教小孩理财"这一话题发表你的看法，内容包括：
①你认为父母是否应该教小孩理财？为什么？
②如果应该，那么在小孩几岁的时候教他们理财？用什么形式理财？如果不应该，那么等到孩子多大时教他们理财？用什么形式理财？
③结合你小时候关于理财的情况来说明你的观点．
[写作要求]
1）在作文中可以使用自己亲身的经历或虚构的故事，也可以参照阅读材料的内容但不得直接引用原文中的句子；
2）作文中不能出现真实姓名和学校名称．
[评分标准]
概括准确，语言规范，内容合适，篇章连贯．
