Personal money-management website Mint.com suggests recently that responsible parents should give their kids credit cards—possibly starting as young as middle school. The website says a credit card will help children master responsible spending habits and give parents the chance to teach them some valuable lessons.
It’s absolutely true that kids should learn about how a credit card works and how to use it responsibly. But the idea that they need a card of their own to practise this is questionable.
Yes, credit cards are a teaching tool, but it’s the time you spend educating them about money management that does the teaching, not the piece of plastic. Sit down with your child—here we are referring to teens and walk them through your credit card statements. Point out important things like the due date, late fee warning, and APR (年贷款利率).
If you have good credit, adding a child as an authorized user onto one of your credit cards also provides teachable moments. Allow kids to use the card to make specific purchases and require their participation in payment.
Since the card is still in your name, you can take them off it at any point and cut off their access if they're not able to handle the responsibility.
Another option is to set them up with an account at a local bank that offers free use of a debit card (借记卡). Unlike credit card, the debit card has no overdraft (透支) function.
Children can only use the card to pay for things and the money is taken directly from their bank account. If the account is empty, the worst that will happen is the card being declined at a cash register.Why does Mint.com advise parents to give middle school kids credit cards?
| A．To leave their kids financially independent. |
| B．To help their kids form good spending habits. |
| C．To teach their kids' how to save pocket money. |
| D．To strengthen the relationship with their kids. |
The author considers a credit card as a teaching tool because ______.
| A．it motivates teens to ask their parents for less financial support |
| B．it helps teenagers to know some basic knowledge of credit cards |
| C．it contains detailed financial information on the card surface |
| D．it offers parents the chance to teach kids to manage money |
What is the purpose of adding kids as credit card authorized users?
| A．To avoid extremely high overdraft fees. |
| B．To encourage them to share household expenses. |
| C．To teach them to be responsible credit card users. |
| D．To help them pay close attention to their bank account. |
What is most likely to be discussed in the paragraph that follows?
| A．Further information about the debit card. |
| B．The overdraft functions of a debit card. |
| C．More disadvantages of credit cards. |
| D．The kids' attitude towards a credit card. |
Speaking in his first National Day Rally speech on 15 August, Prime Minister Lee Hsien said Singapore’s education system was set for more reforms in the years ahead, particularly for the primary and secondary education. Read the summary of his thoughts on education below.
For a start, the government is prepared to send an additional 3,000 teachers to Singapore schools, cut the courses of study even further and change the way the mother tongue, especially Chinese, is taught. But, for the changes to be successful, parents need to help.
Singapore has a devoted group of teachers and principles and quite a few of them are outstanding, but the Republic’s schools can be even better. To help the schools make a jump in quality, the government plans that within the next 6 years, it will send 1,000 more teachers to primary schools, 1,400 to secondary schools and 550 more to junior colleges. Each school would decide how to use its extra teachers. Some may want to make classes smaller so students get more individual attentions while others may have new teachers assist more senior teachers, but the overall goal is to give teachers the time and space to come up with ways to bring out the best in their students.
More teachers must not mean more homework, however. In fact, the Prime Minister wants to see the courses cut down so that there is less pressure on the students. Good grades are important but they should not be the only goal students have. PM Lee is convinced that “we must teach less so that our children can learn more.”
Another change will be in the teaching of the mother of tongue so that students can become more fluent. The key is to teach Chinese as a living language not just an academic subject like Latin. Therefore, the focus should be on speaking and reading the language. To do this, there must be an environment outside the classroom that is contributing to strengthening the Chinese lessons.The text is mainly about in Singapore.
| A．the education reform |
| B．adding more teachers |
| C．the mother tongue |
| D．ways of teaching |
The general goal of using extra teachers is to .
| A．make classes smaller |
| B．assist more senior teachers |
| C．teach more |
| D．help teachers improve teaching quality |
PM Lee holds that the students should .
| A．do more homework |
| B．give up higher grades |
| C．study more courses |
| D．be given more time to learn more |
The key to teaching Chinese well is to .
| A．make it academic |
| B．have a creative environment |
| C．give more Chinese lessons |
| D．encourage speaking and reading a lot |
The measures to be carried out will have pressure taken off .
| A．teachers |
| B．students |
| C．parents |
| D．the government |
When Frida Kahlo’s paintings were on show in London, a poet described her paintings as “a ribbon(丝带)around a bomb”. Such comments seem to suggest Kahlo had a big influence on the art world of her time. Sadly, she is actually a much bigger name today than she was during her time.
Born in 1907 in a village near Mexico City, Kahlo suffered from polio(小儿麻痹症)at the age of seven. Her spine(脊柱)became bent as she grew older. Then, in 1925, her back was broken in several places in a school-bus accident. Throughout the rest of her life, the artist had many operations, but nothing was able to cure the terrible pain in her back. However, the accident had an unexpected side effect. While lying in her bed recovering, Kahlo taught herself to paint.
In 1929, she got married to Diego Rivera, another famous Mexican artist. Rivera’s strong influence on Kahlo’s style can be seen in her early works, but her later works from the 1940s, known today as her best works, show less influence from her husband.
Unfortunately, her works did not attract much attention in the 1930s and 1940s, even in her home country. Her first one-woman show in Mexico was not held until 1953. For more than a decade after her death in 1954, Kahlo’s works remained largely unnoticed by the world, but in the 1970s her works began to gain international fame at last.What does the phase “a much bigger name” in Paragraph 1 most probably mean?
| A．A far better artist. |
| B．A far more gifted artist. |
| C．A much stronger person. |
| D．A much more famous person. |
The terrible pain Kahlo suffered was caused by .
| A．polio | B．her bent spine |
| C．back injuries | D．the operations she had |
Kahlo’s style had become increasingly independent since the .
| A．1930s | B．1940s |
| C．1950s | D．1970s |
What is the author’s attitude toward Kahlo?
| A．Devotion. |
| B．Sympathy. |
| C．Worry. |
| D．Encouragement. |
Top lists are lecturing people on everything from “100 places to visit” to “100 books to read”. Aren’t you just tired of being told what to do with your time?
Now you have a list to end all lists!
Take a look at the following two examples from the list of “101 thins not to do”:
Swim with Dolphins?
Swimming with dolphins is one of the world’s most profitable tourist activities. However, every dolphin will welcome having their busy, tiring day interrupted by tourists screaming pushing around them in the water. Worse yet, when dolphins get too near to the boats loaded tourists, they could get caught up in ropes and killed by propellers(螺旋桨).
Here’s a little secret. Dolphins look like smiling at you, but actually they’re just opening mouths.
Go to see the Mona Lisa?
There must be something about the mysterious smile. The 6 million people who visit the lady in the Louvre every year can’t all be wrong, after all. But they can be quite annoying, standing in front of you, holding up their cameras to prevent you from seeing anything. In fact, it is hard for you to see the painting clearly because you have to stay away from it for security reasons. After queuing for hours, many tourists can remain in front of the painting only for 15 seconds most.
If the mysterious lady in the picture knew her fate, she wouldn’t just be smiling, she’d be laughing.
So, still long to see the Mona Lisa? If you want to find out more about the list, read 101 Things NOT to Do Before You Die. Visit www. not2dobeforeidie. co. uk and buy the book at a 20% discount.According to the passage, swimming with dolphins .
| A．is the world’s most popular tourist activity |
| B．gives fun to both tourists and dolphins |
| C．will make tourists busy and tired |
| D．can cause danger to dolphins |
What does the author think about going to see the Mona Lisa?
| A．It is wrong to go and see the mysterious smile. |
| B．It is not as satisfying as expected. |
| C．Fifteen seconds in front of the painting is enough. |
| D．Queuing for hours is worthwhile. |
The list of “101 things not to do” is made most probably because its author .
| A．thinks it boring to do the things suggested by other lists |
| B．believes other lists are not humorous enough |
| C．intends to persuade people to read more lists |
| D．wants to provide a list different from other lists |
What is the main purpose of the passage?
| A．To advertise a book. |
| B．To introduce a website. |
| C．To comment on popular lists. |
| D．To recommend tourist activities. |
One of my wonderful memories is about a Christmas gift. Unlike other gifts, it came without wrap(包装).
On September 11th, 1958, Mum gave birth to Richard. After she brought him home from hospital, she put him in my lap, saying. “I promised you a gift, and here it is.” What an honour! I turned four a month earlier and none of my friends had such a baby doll of their own. I played with it day and night. I sang to it. I told it stories. I told it over and over how much I loved it!
One morning, however, I found its bed empty. My doll was gone! I cried for it. Mum wept and told me that the poor little thing had been sent to a hospital. It had a fever. For several days, I heard Mum and Dad whispering such words as “hopeless”, “pitiful”, and “dying”, which sounded ominous.
Christmas was coming. “Don’t expect any presents this year,” Dad said, pointing at the socks I hung in the living room. “If your baby brother lives, that’ll be Christmas enough.” As he spoke, his eyes filled with tears. I’d never seen him cry before.
The phone rang early on Christmas morning. Dad jumped out of bed to answer it. From my bedroom I heard him say, “What? He’s all right?” he hung up and shouted upstairs. “The hospital said we can bring Richard home!”
“Thank God.” I heard Mum cry.
From the upstairs window, I watched my parents rush out to the car. I had never seen them so happy. And I was also full of joy. What a wonderful day! My baby doll would be home. I ran downstairs. My socks still hung there flat. But I knew they were not empty; they were filled with love!What happened to the author on September 11th, 1958?
| A．He got a baby brother. |
| B．He got a Christmas gift. |
| C．He became four years old. |
| D．He received a doll. |
What does the underlined word “ominous” in Paragraph 3 probably mean?
| A．Impossible. | B．Boring. |
| C．Difficult. | D．Fearful. |
Which word can best describe the feeling of the father when Christmas was coming?
| A．Excitement. | B．Happiness. |
| C．Sadness. | D．Disappointment. |
What is the passage mainly about?
| A．A sad Christmas day. |
| B．Life with a lovely baby. |
| C．A special Christmas gift. |
| D．Memories of a happy family. |
In his 1930 essay “Economic Possibilities for Our Grandchildren”, John Keynes, a famous economist, wrote that human needs fall into two classes: absolute needs, which are independent of what others have, and relative needs, which make us feel superior to our fellows. He thought that although relative needs may indeed be insatiable(无止境的), this is not true of absolute needs.
Keynes was surely correct that only a small part of total spending is decided by the desire for superiority. He was greatly mistaken, however, in seeing this desire as the only source of insatiable demands.
Decisions to spend are also driven by ideas of quality which can influence the demand for almost all goods, including even basic goods like food. When a couple goes out for an anniversary dinner, for example, the thought of feeling superior to others probably never comes to them. Their goal is to share a special meal that stands out from other meals.
There are no obvious limits to the escalation of demands for quality. For example, Porsche, a famous car producer, has a model which was considered perhaps the best sports car on the market. Priced at over $120,000, it handles perfectly well and has great speed acceleration. But in 2004, the producer introduced some changes which made the model slightly better in handling acceleration. People who really care about cars find these small improvements exciting. To get them, however, they must pay almost four times the price.
By placing the desire to be superior to others at the heart of his description of insatiable demands, Keynes actually reduced such demands. However, the desire for higher quality has no natural limits.According to the passage, John Keynes believed that .
| A．desire is the root of both absolute and relative needs |
| B．absolute needs come from our sense of superiority |
| C．relative needs alone lead to insatiable demands |
| D．absolute needs are stronger than relative needs |
What do we know about the couple in Paragraph 3?
| A．They want to show their superiority. |
| B．They find specialty important to meals. |
| C．Their demands for food are not easily satisfied. |
| D．Their choice of dinner is related to ideas of quality |
What does the underlined word “escalation” in Paragraph 4 probably mean?
| A．Understanding | B．Increase |
| C．Difference | D．Study |
The author of the passage mainly argues that .
| A．absolute needs have no limits |
| B．demands for quality are not insatiable |
| C．human desires influence ideas of quality |
| D．relative needs decide most of our spending |
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