Parents are often scared to talk to their kids about money. In fact kids need to understand how to save and manage their money. Proper preparation of your children, even at a young age, can start them down the path of a successful financial life.
Talk early and often
Children start learning about money long before their first savings account, job or credit card. Avoiding the subject until your child needs a bank account can make the conversation hasty (草率的) and confusing.
A trip to the grocery story is a good time to explain price comparison, value and inflation. An ATM stop offers a chance to explain that money doesn't actually come from a machine. You can discuss both earned income, investment returns and even inheritance. Opening bills is a chance to talk about payment for services,, credit card debt and interest rates. Children need to be taught about debt, specifically loans and credit cards.
Talk about giving.
Children should learn that money doesn't always need to be used for them. Don't just write the charitable check. Get -the kids involved in the process by asking them to pick and check, charities.
Websites like http:// www. charitynavigator. org and guidestar. org provide information and ratings.
If they open a savings account, they can place their savings in the bank to earn a small amount of interest. Besides, they can learn about fees, account maintenance ( 管理员) and even interest. It can provide a motivation for them to save money. You. can offer them a prise if they put the money into savings.
| A．It can also provide assistant to others. |
| B．Open a checking and savings account. |
| C．Children are eager to know about money. |
| D．Everyday activities are teachable moments. |
E, Parents should help their children know how to use money.
F. Here are some tips that might help you teach kids about money.
G- Begin the conversation even before they're in school by talking about work and money.
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Home is a place where one feels safe and secure but unfortunately, it is also a place where you may have serious accidents. The biggest single cause of accidents is human error! So you must take care of yourself!
Causes of home accidents.
Balconies, fireplaces, staircases, ponds, glass doors or kitchens can all increase the risk of accidents. Hot water, household chemicals, fireplaces, matches, alcohol and sharp objects are also potential dangers. Loosing balance, clumsiness and being tired or careless can be the reasons for these accidents. What’s more, if you are under stress or when a routine is changed, you may also be under the risk of home accidents.
Most common types of accidents.
You can see many dangerous home accidents happening around you. The most common ones are slips, falls and collisions. They are not fatal but often result in broken bones. The second most common types of accidents are burns, swallowed objects or breathed in chemicals.
Some other possible dangers at home are poisioning, choking, drowning, electric shocks, and animal bites. Some of these accidents may even result in death.
The importance of education.
Sometimes the simplest precaution protects you from the greatest harm. The Ministry of Health can train professionals to educate nursing staff, ordinary people, voluntary workers, teachers, nursery staff and parents in home accident prevention and control. When people know first aid, they can reduce the risk of serious injuries.
You must take measures to make your home a safer place. For instance, keep knives and other sharp objects in a safe drawer. Wipe up any liquids on the floor immediately in order not to slip or fall. Keep hot objects away from the reach of children. You also mustn’t leave children unattended near a bath that has water in it. If you keep furniture away from windows, you may prevent possible harm. Store all medicines, household chemicals, and so on, preferably in a locked box and do not forget to keep all dangerous substances in their orginal containers. In brief, if you want to protect yourself, be careful not to be sorry!
| A．Is home really safe? |
| B．Nursing home injuries. |
| C．Ways of preventing accidents. |
| D．The design of houses can cause accidents. |
E. Accidents can be avoided at home.
F. They especially affect children and need hospital attendance.
G. Therefore, it is important that we should educate people.
| A. Set a Good Example for Your Kids B. Build Your Kids’ Work Skills C. Place Time Limits on Leisure Activities D. Talk about the Future on a Regular Basis E. Help Kids Develop Strategies of dealing with different things F. Help Your Kids Figure Out Who They Are G. Build Your Kids’ Sense of Responsibility |
How Can a Parent Help?
Mothers and fathers can do a lot to ensure a safe landing in early adulthood for their kids. Even if a job’s starting salary seems too small to satisfy an emerging adult’s need for rapid content, the transition from school to work can be less of a setback if the start-up adult is ready for the move. Here are a few measures, drawn from my book Ready or Not, Here Life Comes, which parents can take to prevent what I call “work-life unreadiness.”_________You can start this process when they are 11 or 12. Regularly review their emerging strengths and weaknesses with them and work together on any shortcomings, like difficulty in communicating well or cooperating. Also, identify the kinds of interests they keep coming back to, as these offer clues to the careers that will fit them best.
________Kids need a range of real role models. Have regular dinner-table discussions about people the family knows and how they got where they are. Discuss the advantages and disadvantages of your own career and encourage your kids to form some ideas about their own future. When asked what they want to do, they should be discouraged from saying “I have no idea.” They can change their minds 200 times, but having only a foggy view of the future is of little good.
_______Teachers are responsible for teaching kids how to learn; parents should be responsible for teaching them how to work. Assign responsibilities around the house and make sure homework deadlines are met. Encourage teenagers to take a part-time job. Kids need plenty of practice developing effective organizational skills, such as managing time and setting priorities(优先).
_________Playing video games encourages immediate content（满足）. And hours of watching TV shows with canned laughter only teaches kids to process information in a passive way. At the same time, listening through earphones to the songs for a long time encourages kids to stay inside instead of participating in other outdoor activities. All these activities can prevent the growth of children’s communication and thinking skills and make it difficult for kids to develop the kind of sustained (持续的) concentration they will need for most jobs.
_________They should know how to deal with setbacks, stresses and feelings of inadequacy. They should also learn how to solve problems and resolve conflicts, ways to brainstorm and think critically. Discussions at home can help kids practice doing these things and help them apply these skills to everyday life situations.
What about the son or daughter who is grown but seems to be struggling and wandering aimlessly through early adulthood? Parents still have a major role to play, but now it is more delicate. Most of all, these new adults must feel that they are respected and supported by a family that appreciates them.
| A Carefully edit it B. Keep thank-you letters short C. Just do it ------ and do it quickly D. Be genuine in your appreciation E. Stress some of your key selling points F. Add points not addressed in interviews |
Tips for writing a job-search interview
thank-you letter_________________
You should try to send out your thank-you letters within 24 hours of your interview---- no longer than about two or three days afterward. If you have a hard time writing letters and don't want to write any, fight that urge and force yourself to write something. Studies continue to show that the vast majority of job-seekers do not send thank-you letters. As a result, by doing so, you will stand out from other applicants. The speed is of great importance, so you can either email your thank-you letters or drop them off the next day.________________
Write your thank-you note from the heart. Everyone values authentic communications, so rather than using a boring thank-you letter from the Internet, use your own words and feelings to write your letter. Find a way to express your genuine feelings of appreciation and connection with the interviewer. One word of caution: Don’t give fake praise and appreciation; keep it honest and simple.________________
One of the main goals of an employment interview is to determine if there is a good fit between the interviewee (you, the job-seeker) and the employer. Thus, one of your key goals in your thank-you letter should be to clearly express your strong fit with the organization. At the same time, it’s also good to mention a few of your key selling points ------ points that exactly match the requirements of the position you are seeking. Even a thank-you letter is a chance to market yourself._________________
Job interviews are stressful situations and even with excellent preparation, we can sometimes forget to mention something that may be a key selling point. If that happened to you, no worries as you can add the point in your thank-you letter. As you are summarizing your fit with the position and employer, you simply add the additional point you forgot to make in the interview.__________________
One of the worst things you can do is to write an amazing thank-you letter, but realize after you sent it that it had a misspelling, or poor construction. Especially check and double-check the spelling of the name of the employer. Write a draft of your letter and come back to it later to edit it. Read it aloud to check how it flows. Have someone else read it for errors. Review your final version carefully before sending it.
All over the world people enjoy sports. Sports help to keep people healthy and happy, and to live longer.
They buy tickets or turn on their TVs to watch the games. Often they get very excited when their player or team wins.
Football, for example, has spread around the world. Swimming is popular in all countries near the sea or in those with many rivers. What fun it is to jump into a pool or lake, whether in China, Egypt or Italy!
Think how many lovers to skate or ski in Japan, Norway or Canada.
Some sports or game go back thousands of years, like running or jumping. Chinese wushu, for example, has a very long history. But basketball and volleyball are rather new. Neither one is a hundred years old yet. Water-skiing is one of the newest in the family of sports.
People from different countries may not be able to understand each other, but after a game together they often become good friends. One learns to fight hard but fight fair, to win without pride and to lose with grace.
| A．And think of people in cold countries. |
| B．Sports help to train a person’s character. |
| C．Not a few people participate in different sports competitions themselves. |
| D．Many people like to watch others play games. |
E．People aren’t inventing new sports or games.
F．Some sports are so interesting that people everywhere take part in them.
G．People are inventing new sports or games all the time.
A major source of teen stress is school exams, and test anxiety is not uncommon. When you recognize your teen is under stress, how can parents help your teen stay calm before an exam?
Be involved. Parents need to be involved in their teen’s work. _ What they look for is your presence — to talk, to cry, or simply to sit with them quietly. Communicate openly with your teen. Encourage your teen to express her worries and fears, but don’t let them focus on those fears.
Help them get organized. Together , you and your teen can work out a time—table in which she can study for what she knows will be on the test.
Provide a calm setting. Help your teen set up a quiet place to study and protect his privacy. Give them a nutritious diet. It is important for your teen to eat a healthy, balanced diet during exam times to focus and do her best. If this happens, encourage your teen to eat light meals or sandwiches. A healthy diet, rather than junk food, is best for reducing stress.
Persuade your teenager to get some sleep and /or do something active when she needs a real break from studying. Making time for relaxation, fun, and exercise are all important in reducing stress. Help your teen balance her time so that she will feel comfortable taking time out from studying to spend time with friends or rest.
Show a positive attitude. Your panic, anxiety and blame contribute to your teen’s pressure. Make your teen feel accepted and valued for her efforts. Most importantly, reassure your teen that things will be all right, no matter what the results are.
| A．A parent’s attitude will influence their teen’s emotions. |
| B．Exam stress can make some teens lose their appetite. |
| C．They will only make the situation worse. |
| D．Encourage your teen to relax. |
E. The best thing is simply to listen.
F. Help your teen think about what she has to study and plan accordingly.
G. Your teen may also make negative comments about themselves
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