A few days ago I asked my sons' governess（家庭女教师）Julia to come into my study. “Be seated，Julia,”I said，“Let's settle our accounts. I guess you most likely need some money，but maybe you're too polite to mention it. Now then，we agreed on thirty dollars a month...”

“Forty.”

“No，thirty. I made a note of it. I always pay our governess thirty. Well，um，you've been here for two months，so...”

Two months and five days.”

Exactly two months. I made a special note of it. That means you have sixty dollars coming to you. Take nine Sundays off... you know you didn't work with Tom on Sundays，you only took walks.And three holidays... ”Julia was biting her fingernail nervously，her face red，but,not a word.

“Three holidays，therefore take twelve dollars off your pay. Four days Tom was sick and there were no lessons，as you were occupied only with Dick. Three days you had a toothache and my wife gave you permission not to work after lunch. Twelve and seven makes nineteen.Take nineteen off... that 1eaves，hmm... forty-one dollars. Correct?”

Julia's left eye reddened with tears welling up. Her chin trembled，and she coughed nervously and blew her riose，but still not a word.

“Around New Year’s Day you broke a teacup and a saucer；take two dollars off your pay.The cup cost more，because it was a treasure of the family，but forget it. When didn't I take a loss! Then，due to your neglect(疏忽），Tom climbed a tree and tore his jacket；take away ten. Also due to your carelessness the maid stole Dick's shoes. You ought to watch everything！You get paid for it. So，that means five more dollars off. The tenth of January I gave you ten dollars”.

“You didn't.”sobbed Julia.

“But I made a note of it.”

“Well... if you say so.”

“Take twenty-seven from forty-one, and that leaves fourteen.”

Both her eyes were filled with tears. Beads of sweat stood on the thin pretty little nose.Poor girl！

“Only once was I given any money，”she whispered，her voice trembling，“and that was by your wife. Three dollars，nothing more.”

“Real1y? You see now，and I didn't know that！Take three from fourteen and it leaves eleven.  Here’s your money，my dear．Three，three，three，one and one. Here it is！”

I handed her eleven dollars. She took them and pocketed them.

“Merci（Thanks），”she whispered.

I jumped to my feet and started pacing the floor. I was overcome with anger.“For what，this merci”? I asked.

“For the money”.

“But you know I’ve cheated you—— robbed you！”I have actually stolen from you!Why this“merci？”

“In my other places they didn’t give me anything at all.”

“They didn’t give you anything? No wonder! 1 played a little joke on you，a cruel lesson，just to teach you…I'm going to give you all the eighty dollars！Here they are in the envelope all ready for you…Is it really possible to be so spineless(懦弱)? Why didn't you protest?Why were you silent? Is it possible in this world to be without teeth and laws(爪)—— to be such a fool?''

Embarrassed,she smiled. And I could read her expression，“It is possible”.

I asked her pardon for the cruel lesson and， to her great surprise，gave her the eighty dollars. She murmured her little “merci”serveral times and went out. I looked at her and thought，“How easy it is to crush the weak in this World! ”

67.While talking to Julia.the writer expected ＿＿＿＿＿＿from her.

A. a protest       B.gratitude          C.obedience       D. an explanation

68.What shocked the writer was Julia's＿＿＿＿＿＿．

A. nervousness in front of her boss                          B. acceptance of injustice

C. shyness when talking about money             D. reluctance to express herself

69.The writer said, “Is it possible in this world to be without teeth and claws(爪)一to be such a fool?” He was actually telling the governess＿＿＿＿＿＿．

A. to be more aggressive                         B. to be more careful in her work

C.to protect her right                                             D.to live independently

70. From the story, we can know that Julia's employer was         

A. greedy but honest                                                B.ill tempered but warm-hearted

C. strict but forgiving                                  D. none of the above

  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 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 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

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