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.
根据对话内容，从对话后的选项中选出能填入空白处的最佳选项，选项中有两项多余选项。
Laurance: What kind of a car do you have?
Soony: An old one.
Laurance: I know it’s old, but
Soony: It’s a Chevrolet. Why do you ask? You are going into the car business?
Laurance: Nothing like that. My cousin is going to take a job overseas and he can’t take his car with him, so he’s going to sell it cheap.
Soony: Well, I have been thinking about getting a newer car. I can’t afford a brand new one.
Laurance:
Soony: Is it a four-door or a two-door?
Laurance: It’s a coupe (双门小汽车) with a vinyl roof.
Soony:
Laurance: Yes, and it also has power steering, power brakes, and air conditioning.
Soony: I guess I might take a look at it. How much is he asking?
Laurance:
Soony: Okay. Set it up for me to see it, if you can.
| A. what make is it? B. I can show you a second-hand car. C. Would you like to look at my cousin’s car? D. Does it have automatic transmission? E. Would you like to introduce your cousin to me? F. It’s practically new. G. I don’t know for sure, but he’ll make you a good deal. |
Making Peace with Your Parents
As a teen, you’re going through big changes physically and mentally. Your interests are expanding.
Here is the challenge: Kids need to explore the world in new ways, and parents need to protect them from the dangers that are out in that world. These conflicts （矛盾） can easily set off fireworks in otherwise calm houses. Sometimes conflicts can’t be avoided. But by paying attention to the building blocks of successful relationships, you can work towards making home a happy and healthy place for you and your parents.
For instance, try to find a time to talk when your parents are not angry, tired, distracted, or hungry. A good time to talk is when you’re all relaxed. Timing is everything. If the conversation begins to turn into an argument, you’d better calmly and coolly ask to stop the conversation -- for now. Listen to what your parents are saying, and repeat it back to them. This shows them that you’re listening.
_
Respect is the building block of good communication. People who respect each other and care about each others’ feelings can disagree without things getting ugly. ___ How do you build trust? Trust comes by actually doing what you say you’re going to do. Some teens find that doing fun activities with their parents can improve their relationships. Sometimes we forget that parents are more than rule-makers—they’re interesting people who like to watch movies, and go shopping—just like their teenagers!
What do you do if you are trying your best, but your relationship with your parents continues to be rocky? ___ You can find supportive adults, such as a teacher or a coach, who can lend an ear.
Remember you can only change your own behavior; your parents are the only ones who can change theirs.
| A．It also gives them a chance to clear things up if you’re not on the same page. |
| B．You can pick it up again when everyone’s more relaxed. |
| C．And then you’ll be able to accept what your parents say. |
| D．Faced with the challenge, children don’t know what to do. |
E. You are more likely to get along with your parents and have more independence if your parents believe in you.
F. And your desire to take control of your own life is growing.
G. You may consider seeking outside help.
请从以下选项(A、B、C、D、E和F）中选出符合各段意思的小标题。选项中有一项是多余选项。
A．Be Reliable
B．Be Yourself
C．Smile and Be Nice
D. Join a Team or Volunteer
E. Be Your Own Best Friend
F. Get in Touch with Social Media
Making Friends in a New Environment
Imagine being in the hallway of a crowded school. The beil is ringing and countless students are changing classes. The noise of conversation and the smell of freshly sharpened pencils fill the air. You're new in town and this is your first day at school. You're afraid that you won't fit in, someone will make fun of your hair, or you'II just simply embarrass yourself by saying the wrong things. But with the following suggestions, you'II know what you should do to achieve in a new surrounding.By swallowing your fears and taking a chance, you'd be surprised at all the possibilities that can occur by doing extracurricular activities. You'll make friends, contribute to your school's overall success, and increase your confidence along the way. Volunteering also does wonders and it looks really good/on college applications as well. Participating in extracurricular activities is an excellent way to make friends and become active in your school.
Even though you might feel afraid to speak to others,it's important to remember that being a nice guy goes a long way, When you show people that you are friendly,it tells them that you are a good person who gets along well with others. Encourage yourself to be the first one to talk to people. It's quite possible that they are just as nervous around others as you are, so make them feel comfortable and be the first to speak up.
Nobody likes a gossiper or someone who stabs them in the back. Would you like someone to tell your most forbidden secrets to the entire world? Of course not, so it isn't wise to do it to someone else. It's the golden rule: Do to others as you would have them do to you. When someone trusts you completely,it's something that shouldn't be taken lightly. Trust is something to be cherished and valued, and showing others that you can be relied on is essential to making new friends.
Sites like Facebook have completely taken over just about every aspect of society, forever changing the way we arrange meetings, conduct business, and interact with family and friends. These social networking sites, even though they are fairly new, are effective methods for fully utilizing basic human communication. With more and more teens using these sites just about every second of every day, it would be wise to start your own Facebook account to connect with possible friends. Just remember to use these sites safely and wisely.
This is the most important factor when you adapt to a new environment. Stay true to who you are and be confident. By staying true to yourself and your own beliefs, you are showing the world that you are an individual who is proud of who you are, This kind of confidence is like a magnet. It will attract all kinds "of people into your life, and these people could possibly turn into new, lifelong friends. Simply put, you cannot live a genuine Iife if you yourself are not genuine.
根据短文内容，从A到F选项中选出能概括每一段主题的最佳选项。选项中有一项为多余项。
A. A sense of humor is not an inborn ability.
B. A sense of humor can be developed in our life.
C. A sense of humor helps us from several aspects（方面）.
D. A sense of humor means more than telling jokes.
E. A sense of humor can be expressed in many ways.
F. A sense of humor helps people to better enjoy life._____ As awareness of the benefits of humor increases, most of us want to get all the laughs we can. It seems that almost every day there is another new discovery about the power of humor to help us physically, mentally, emotionally, and spiritually. Every system of the body responds to laughter in some important or positive way.
_____ Many people mistakenly believe that we are born with a sense of humor. They think that when it comes to a sense of humor, “either you’ve got it or you don’t.” This is false. What is true, however, is that the ability to laugh and smile is actually something we are born with. For example, we laugh when we are tickled under the arm, even without thinking about how to react.
_____ The parts of the brain and central nervous system that control laughing and smiling are mature at birth in human infants, but that is not the same thing as having a sense of humor. (After all, when a baby laughs in his small bed we don’t rush over and say, “That kid has a great sense of humor.”) Your sense of humor is something you can develop over a lifetime. Don’t be nervous before others and try to laugh at yourself—then you will make them laugh too.
_____ Humor includes a lot more than laughing and joke telling. Many people worry needlessly that they do not have a good sense of humor because they are not good joke tellers. More than jokes, a sense of humor requires being willing and able to see the funny side of life’s situations as they happen. In fact, one of the best definition of a sense of humor is “the ability to see the nonserious element in a situation”.
_____ There may be a thousand different ways to express your sense of humor, but joke telling is only one of those ways. As more is discovered about how humor benefits our life, more people will be able to see and enjoy the humor when they are in a difficult situation. Life depends on air, food and water, but it is made easier to live with a good sense of humor.
根据短文内容，从短文后的选项中选出能填入空白处的最佳选项，选项中有两项为多余选项。
The Winner’s Guide to Success
How do successful people think? What helps them to make success? To find out the answers, an American scholar recently visited some of the most successful people in America.
Be responsible for yourself
Sometimes you may want to blame others for your failure to get ahead. You’re saying, “You have more control over my life than I do.”
Live life “on purpose”
Almost all successful people live life “on purpose”— they are doing what they believe they should and want to do. When you live your life on purpose, you’ll try your best to do your job or study as well as you can. You love what you do and you can find pleasure in what you do.
Write a plan
It is very difficult trying to get what you want without a good plan. A good plan is like a map to you. Without this “map”, you may waste your time, money and also your energy; while with the “map” you’ll enjoy the “trip” and get what you want in the shortest possible time.
Be willing to pay the price
Nothing great is easy to get. So you must be ready to work hard — even harder than you have ever done. If you are not willing to pay the price, you won’t get anything valuable.
Never give up
When you are doing something, you must tell yourself again and again: Giving up is worse than failure because failure can be the mother of success, but giving up means the death of hope.
Once an American writer was writing a novel. He could not have a good ending for his book until one night when he had a very good idea. He was so excited that he made a phone call to one of his best friends. “I’ve got a perfect idea,” he said, “I’ll put it down later and show it to you.” But he never did, because he died that night. His book was left without a perfect ending. So remember, do what you can right away. Never delay at all.
| A．In fact, when you say someone or something outside of yourself is stopping you from making success, you’re giving away your own power. |
| B．It is just like trying to drive through strange roads to a city far away. |
| C．Some people achieve success much later in life because they fail to realize earlier the importance of hard work. |
| D．Here are some keys to success that they give. |
E. Someone else’s opinion of you doesn’t have to become your reality.
F. It seems to us that everyone knows this. But it is easier said than done.
G. Don’t delay
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