Shaping a child is like shaping clay（粘土）— you have to start from the beginning and work your way to the end with extreme caution but with gentle and loving   16 . However, unlike clay, you don’t get a second   17  with a child. You can put all the clay back together and start again but with a child, what is done is done.   18  it’s even more caution with care.

Building a child’s esteem is no small play; it makes your black hair   19 , steals away years of your life and still will not look done. Therefore you have to learn how to build self-esteem and   20  your child from the beginning. After all, parenting begins from babyhood.

Small case could leave large   21  on your child’s mind. Reason why you should not overlook something that went wrong. If another child   22  your kid, everyone laughed and you told your son to   23  it, that’s the first wrong step. You have to teach your child to   24  up for himself. Don’t let your child fall down inside. Tell him to ask the child why he is hitting him or   25  to the nearest adult he can reach.

Most of all before you speak to a child you have to be a   26  example. If you go around laughing at people, your kids will do the   27 . If you are a coward（懦夫）yourself and do not stand up to situations, do not   28  your child not to follow you. Children are like monkeys—they copy every   29 , from how you eat to how you handle situations.

Building self-esteem begins at home. Small self-confident acts make a(n)   30  impact on your child.

1.                A．heads          B．hands          C．tools D．knives

2.                A．test            B．grade          C．class D．chance

3.                A．Thus           B．But            C．Or   D．Although

4.                A．lost            B．gray           C．weak D．curl

5.                A．interest        B．direct          C．order    D．encourage

6.                A．impact         B．lesson          C．mark D．space

7.                A．laughed        B．pushed         C．pulled    D．drew

8.                A．make          B．leave           C．forget    D．move

9.                A．stand          B．turn           C．take D．set

10.               A．announce       B．manage        C．leave D．complain

11.               A．caring          B．living          C．touching   D．breathing

12.               A．different       B．meaningful      C．same D．useless

13.               A．expect         B．hope          C．allow D．persuade

14.               A．homework      B．step           C．picture    D．action

15.               A．negative        B．objective       C．positive   D．subjective

  Ask savvy investors(投资者) how they learned their first lessons about money, and they'll probably tell you lessons their parents taught them.

The money values we learn as children stay with us the rest of our lives. If you are a parent,        71       .  Here's what you can do：

Help your child begin to save. Open savings accounts for your children, and teach them how the bank adds interest to their savings that makes their money grow.          

______72______You may even want to set up a matching program, contributing fifty cents for each dollar your child saves.

Teach your child about stocks(股票). A child in elementary school can start learning about how businesses work.      73       .Then use Morningstar Mutual Fund Guide(available at your library)to find a quality mutual fund that holds some of these companies, or a mutual fund that caters to children such as the Stein Roe Young Investor Fund. Many funds accept regular monthly investments as low as $50 a month,        74        .

Encourage early IRA(个人退休金账户)saving. The new Roth IRA is a great way for children who are working in summers or after school to begin saving for their future. Imagine how much money you'd have today if you had saved $3,000 a year since you were a teenager!

Let your kids handle their own money. We all learn by doing,       75      They may make mistakes, but they will be small mistakes that may help them avoid larger mistakes as adults.

A．you should provide enough money for children so that they can save some

B．teaching your children the value of saving and investing will benefit them the rest of their lives.

C. Once your child understands the basics, ask him or her to think about some of the businesses that might be good stock investments.

D. so letting your kids manage a segment of their budget(预算)will let them earn valuable financial lessons.

E. you should teach your children about investment when he/she is in primary school

F. Encourage your children to save a little from every bit of money they receive, such as allowances, birthday gifts, etc.

G.so these funds can be a good way to teach children about the stock market while saving for their college education.