Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly.
The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.
In any case, parents should make clear what, if anything, the child is expected to pay for with the money. At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more money until the next allowance.
The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics. Many people who have written on the subject of allowances say it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life.
Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.
Allowances give children a chance to experience the three things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save it.
Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future. Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance. A savings account is an excellent way to learn about the power of compound interest.
Compounding works by paying interest on interest. So, for example, one dollar invested at two percent interest for two years will earn two cents in the first year. The second year, the money will earn two percent of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.
77.For children who receive allowances, they’d better not ________.　　
A. waste money to buy gifts for their parents or friends　　
B. buy their favorite clothing or electronics for themselves　　
C. save money like their parents or other adults　　
D. ask for the next allowance before the decided date.
78．Many parents give children an allowance regularly to ______.　　
A. meet children’s basic need for life       
B. give control over their children　　
C. see whether they have financial mistakes  
D. help children learn how to manage money
79.If children are required to save their allowance, they ______.　　
A. can experience three things related to money　　
B. can understand the relation between goals and sacrifice　　
C. will do more work around the house　　
D. help themselves found the basis for their future life
80. What is the best title for the passage?
A. Be Generous to Pay Your Children
B. Be Wise to Avoid Financial Mistakes
C. Saving Allowances Does Good to Children
D. Allowances Help Children Learn about Money

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What makes one person more intelligent than another? What makes one person a genius, like the brilliant Albert Einstein, and another person a fool? Are people born intelligent or stupid, or is intelligence the result of where and how you live? These are very old questions and the answers to them are still not clear.
We know, however, that just being born with a good mind is not enough. In some ways, the mind is like a leg or an arm muscle. It needs exercise. Mental exercise is particularly important for young children. Many child psychologists (心理學(xué)家) think that parents should play with their children more often and give them problems to think about. The children are then more likely to grow up bright and intelligent. If, on the other hand, children are left alone a great deal with nothing to do, they are more likely to become dull and unintelligent.
Parents should also be careful with what they say to young children. According to some psychologists, if parents are always telling a child that he or she is a fool or an idiot, then the child is more likely to keep doing silly and foolish things. So it is probably better for parents to say very positive things to their children, such as “That was a very clever thing you did.” or “You are such a smart child.”
【小題1】The words “intelligent” and “brilliant” in the first paragraph probably mean _______ while “dull” in the second paragraph means ________.

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B．pretty and handsome; ordinary-looking
C．great and important; common
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【小題2】According to the context we can guess that a genius is ________ while an idiot is ________.
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C．often helped by his parents and teachers
D．born with a good brain and putting it into active use
【小題4】 It is better for parents ________.
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B．to be hard on their children
C．to leave their children alone with nothing to do
D．to give their children as much help as possible
【小題5】Which of the following is NOT true according to the article?
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What makes one person more intelligent than another? What makes one person a genius, like the brilliant Albert Einstein, and another person a fool? Are people born intelligent or stupid, or is intelligence the result of where and how you live? These are very old questions and the answers to them are still not clear.
We know, however, that just being born with a good mind is not enough. In some ways, the mind is like a leg or an arm muscle. It needs exercise. Mental exercise is particularly important for young children. Many child psychologists (心理學(xué)家) think that parents should play with their children more often and give them problems to think about. The children are then more likely to grow up bright and intelligent. If, on the other hand, children are left alone a great deal with nothing to do, they are more likely to become dull and unintelligent.
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C. Intelligence is obviously the result of where and how you live.
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What makes one person more intelligent than another? What makes one person a genius, like the brilliant Albert Einstein, and another person a fool? Are people born intelligent or stupid, or is intelligence the result of where and how you live? These are very old questions and the answers to them are still not clear.

We know, however, that just being born with a good mind is not enough. In some ways, the mind is like a leg or an arm muscle. It needs exercise. Mental (done with the mind) exercise is particularly important for young children. Many child psychologists (心理學(xué)家) think that parents should play with their children more often and give them problems to think about. The children are then more likely to grow up bright and intelligent. If, on the other hand, children are left alone a great deal with nothing to do, they are more likely to become dull and unintelligent.

Parents should also be careful with what they say to young children. According to some psychologists, if parents are always telling a child that he or she is a fool or an idiot, then the child is more likely to keep doing silly and foolish things. So it is probably better for parents to say very positive (helpful) things to their children, such as “That was a very clever thing you did.” or “You are such a smart child.”

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A．great and important; common

B．pretty and handsome; ordinary-looking

C．bright and splendid; slow in thinking and understanding

D．hopeful and helpful; careless

2.A person ________ is more likely to become a genius.

A．whose parents are clever

B．often thinking about difficult problems

C．often helped by his parents and teachers

D．born with a good brain and putting it into active use

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A．to praise and encourage their children more often

B．to be hard on their children

C．to leave their children alone with nothing to do

D．to give their children as much help as possible

4.Which of the following is NOT true according to the article?

A．Parents play an important part in their children’s growth.

B．Intelligence is obviously the result of where and how you live.

C．The less you use your mind the duller you may become.

D．What makes a person bright or stupid is still under discussion.

 

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What makes one person more intelligent than another? What makes one person a genius, like the brilliant Albert Einstein, and another person a fool? Are people born intelligent or stupid, or is intelligence the result of where and how you live? __1___.

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___4 _. According to some psychologists, if parents are always telling a child that he or she is a fool or an idiot, then the child is more likely to keep doing silly and foolish things. _  5___, such as “That was a very clever thing you did.” or “You are such a smart child.”

A．Parents should also be careful with what they say to young children

B．The children are then more likely to grow up bright and intelligent

C．It needs exercise

D．These are very old questions and the answers to them are still not clear.

E. So it is probably better for parents to say very positive (helpful) things to their children

F. A person often thinking about difficult problems is more likely to become a genius.

G. What makes a person bright or stupid is still under discussion.

 

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What makes one person more intelligent than another? What makes one person a genius, like the brilliant Albert Einstein, and another person a fool? Are people born intelligent or stupid, or is intelligence the result of where and how you live? These are very old questions and the answers to them are still not clear.

We know, however, that just being born with a good mind is not enough. In some ways, the mind is like a leg or an arm muscle. It needs exercise. Mental exercise is particularly important for young children. Many child psychologists (心理學(xué)家) think that parents should play with their children more often and give them problems to think about. The children are then more likely to grow up bright and intelligent. If, on the other hand, children are left alone a great deal with nothing to do, they are more likely to become dull and unintelligent.

Parents should also be careful with what they say to young children. According to some psychologists, if parents are always telling a child that he or she is a fool or an idiot, then the child is more likely to keep doing silly and foolish things. So it is probably better for parents to say very positive things to their children, such as “That was a very clever thing you did.” or “You are such a smart child.”

1.The words “intelligent” and “brilliant” in the first paragraph probably mean _______ while “dull” in the second paragraph means ________.

A．bright and splendid; slow in thinking and understanding

B．pretty and handsome; ordinary-looking

C．great and important; common

D．hopeful and helpful; careless

2.According to the context we can guess that a genius is ________ while an idiot is ________.

A．a(chǎn) normal person; a funny person

B．a(chǎn) strong person; a weak person

C．a(chǎn) highly intelligent person; a foolish or weak-minded person

D．a(chǎn) famous person; an ordinary person

3. A person ________ is more likely to become a genius.

A．whose parents are clever

B．often thinking about difficult problems

C．often helped by his parents and teachers

D．born with a good brain and putting it into active use

4. It is better for parents ________.

A．to praise and encourage their children more often

B．to be hard on their children

C．to leave their children alone with nothing to do

D．to give their children as much help as possible

5.Which of the following is NOT true according to the article?

A．Parents play an important part in their children’s growth.

B．The less you use your mind the duller you may become.

C．Intelligence is obviously the result of where and how you live.

D．What makes a person bright or stupid is still under discussion.

 

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