Question

Parents and children often face the challenges of money. Common topics include setting the pocket money， learning to save， and deciding on expensive purchases. The goal of most parents is to teach their kids how to manage money wisely. The goal of most kids is getting money to spend. How can families balance these goals?

“All parents hope they’ll raise a money-savvy kid, who’ll grow up to be an adult wise in their money use.” says financial (金融的）planner Peg Eddy. The key is letting kids learn by having a little money of their own.

The Tidier family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan, 17, has been helping with their garden since he was 8. Now he has been able to save $7,800. Ryan has come to see the value in making his own money even when other kids are given money by their parents.

Learn Now, Save Later

Money skills are an important part of becoming a successful adult. David Brady, another

financial planner, says, “Young people today will have much more responsibility for their financial future than their parents or grandparents.”

Brady does remind kids. “They shouldn’t be thinking about money all the time，” he says.

However, they should understand basic rules for earning, saving and investing (投资）.

That knowledge is greatly needed. Over the past years, the average credit card debt (债 务)of Americans ages 18 to 24 doubled, to nearly $ 3,000. Among high school students, four out of five have never taken a personal-finance class.

Talking About It

Many kids want to learn how to manage their money. But parents

think only about what kids shouldn’t do. Instead, experts say,

knowing how to manage money is the best way for kids to get

what they really want. That means long-term planning and saving

for big expenses like college or a car. It also means thinking of others, by making donations to charity (慈善）.

Giselle Lopez, 17, of New York City, learned the hard way. She was over $ 2,000 in debt on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the debt off slowly herself. “Now every time I use it, I know that it comes from my own pocket,” Giselle says.

“That gives me a sense of responsibility for my actions.”

Different kids will have different styles when it comes to money. Teaching them how to use

money doesn’t have to mean setting strict rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves.

1.Brady believes that   .

A. parents should attend more personal-finance classes

B. parents should teach their kids how to save

C. kids should learn how to manage money

D. kids should follow the school rules

2.Why did the writer say Giselle Lopez “learned the hard way”?

A. Because she had to pay the debt off slowly herself.

B. Because she had to make donations to charity.

C. Because she had difficulty finishing her job.

D. Because she had too many credit cards.

3.What is the best title for the passage?

A. Saving Matters!    B. Parents Rule!    C. Classes Work!    D. Money Counts!

Answer

1.C

2.A

3.D

【解析】文章讲述了让孩子学会明智的自己的金钱。

1.根据 they should understand basic rules for earning, saving and investing (投资）他们应该理解挣钱，节约和投资的基本规则。可知选C

2.根据Giselle Lopez, 17, of New York City, learned the hard way. She was over $ 2,000 in debt on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the debt off slowly herself. 可知父母拒绝替她还钱，她必须自己慢慢还2000多美元的债务，所以她了解了这个艰难的道路；故选A

3.根据文章讲述了让孩子学会明智的自己的金钱。A. Saving Matters!节约的事； B. Parents Rule! 父母的规则； C. Classes Work! 班级工作； D. Money Counts!钱的数量；故选D