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 tomanage 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 $1.000,invest(投资)it at 8% and add $100 every month, by the time she’s 65,she would have $980,983!

　　Be careful of credit(信用).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 paying the cash, give him some regular pocket money and explain that by putting aside,say,$15 each week, he will be able to buy it for himself in only ten weeks.

　　Provide incentive. Tell your children the importance of saving. “For every dollar he or she agrees to save and invest rather than spend, you agree to add another dollar to the pot,” says Cathy Pareto, expert in money planning.

　　Explain your values. Values and money are deeply intertwined, says Eilleen Gallo,co-author of The Financially Intelligent Parent. When your child demands that you buy something, explain why you really don’t want to buy it.“You might say, ‘I’d rather save that money for your  education,’” advises Gallo. Every time you spend or don’t spend money, you have a chance to share your values.

1.The writer gives some basics to help________ in a proper way.

A．parents teach their children how to deal with money

B．children follow their parents’ instructions

C．children manage their money

D．parents save their money

2.The writer thinks that, if a child wants to buy something, his parents should________.      .

A．give him some regular pocket money

B．encourage him to put money away for it

C．explain to him the importance of investment

D．tell him to save some money by using a credit card

3.The underlined word “incentive” in paragraph 6 means_________.       .

A．honor            B．praise            C．excitement        D．encouragement

4.What leads the writer to write this article?_________

A．Parents want to know how to educate their children.

B．He wants to share his good ideas about money matters.

C．He thinks money management the most important for children.

D．Parents care Little about their children’s management of money.

 

　　A few days ago I asked my sons’ governess（女家庭教师）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 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 off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.

　　“Three holidays, therefore take off twelve dollars. 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 - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct？”

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

　　“Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, 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 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 -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.”

　　“Really? You see now, and I didn’t know that! Take three from fourteen.. 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 （法语: 谢谢）,”she whispered.

　　I jumped to my feet and started pacing the room. 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! I 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 claws（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”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world !”

　　While talking to Julia, the wrier expected from her ________.

　　A. a protest　　　　　　　　　　　B. gratitude

　　C. obedience　　　　　　　　　　 D. an explanation

　　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

　　The writer said, “Is it possible in this world to be without teeth and claws?” 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

　　At the end of the story, the writer said,“ How easy it is to crush the weak in this world!”to show ________.

　　A. his understanding of Julia’s anxiety

　　B. his worry about Julia’s future

　　C. his concern on the living condition of working - class people

　　D. his sympathy for the mental state of those exploited

　A few days ago I asked my sons’ governess（女家庭教师）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 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 off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.

　　“Three holidays, therefore take off twelve dollars. 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 - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct？”

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

　　“Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, 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 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 -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.”

　　“Really? You see now, and I didn’t know that! Take three from fourteen.. 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 （法语: 谢谢）,”she whispered.

　　I jumped to my feet and started pacing the room. 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! I 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 claws（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”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world !”

While talking to Julia, the wrier expected from her ________.

　　A. a protest　　　　　　　　　　　B. gratitude

　　C. obedience　　　　　　　　　　 D. an explanation

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

The writer said, “Is it possible in this world to be without teeth and claws?” 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

At the end of the story, the writer said,“ How easy it is to crush the weak in this world!”to show ________.

　　A. his understanding of Julia’s anxiety

　　B. his worry about Julia’s future

　　C. his concern on the living condition of working - class people

　　D. his sympathy for the mental state of those exploited

　 Maybe ten?year?old Elizabeth put it best when she said to her father，“But，Dad，you can’t be healthy if you’re dead.”

　 Dad，in a hurry to get home before dark so he could go for a run，had forgotten to wear his safety belt—a mistake 75% of US population make every day.The big question is why.

　 There have been many myths about safety belts ever since their first appearance in cars some forty years ago.The following are three of the most common.

　 Myth Number One: It’s best to be “thrown clear” of a serious accident.

　 Truth: Sorry，but any accident serious enough to “throw you clear” is going to be serious enough to give you a very bad landing.And chances are you’ll have traveled through a windshield (挡风玻璃)or door to do it.Studies show that chances of dying after a car accident are twenty?five times in cases where people are “thrown clear”.

　 Myth Number Two: Safety?belts “trap” people in cars that are burning or sinking in water.

　 Truth: Sorry again，but studies show that people knocked unconscious (昏迷) due to not wearing safety belts have a greater chance of dying in these accidents.People wearing safety belts are usually protected to the point of having a clear head to free themselves from such dangerous situation，not to be trapped in them.

　 Myth Number Three: Safety belts aren’t needed at speeds of less than 30 miles per hour (mph).

　 Truth: When two cars traveling at 30 mph hit each other，an unbelted driver would meet the windshield with a force equal to diving head first into the ground from a height of 10 metres.

1.Why did Elizabeth say to her father，“But，Dad，you can’t be healthy if you’re dead”？

　 A.He was driving at great speed.

　 B.He was running across the street.

　 C.He didn’t have his safety belt on.

　 D.He didn’t take his medicine on time.

2.The reason father was in a hurry to get home was that he 　　　　.

　 A.wasn’t feeling very well　　　　　 B.hated to drive in the dark

　 C.wanted to take some exercise　　　　　 D.didn’t want to be caught by the police

3.According to the text，to be “thrown clear” of a serious accident is very dangerous because

　 you 　　　.

　 A.may be knocked down by other cars

　 B.may get serious hurt thrown out of the car

　 C.may find it impossible to get away from the seat

　 D.may get caught in the car door

4.Some people prefer to drive without wearing a safety belt because they believe 　　　　.

　 A.the belt prevents them from escaping in an accident

　 B.they will be unable to think clearly in an accident

　 C.they will be caught when help comes

　 D.cars catch fire easily

5.What is the advice given in the test?

　 A.Never drive faster than 30 miles an hour.

　 B.Try your best to save yourself in a car accident.

　 C.Never forget to wear the safety belt while driving.

　 D.Drive slowly while you’re not wearing a safety belt.