Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and hs team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.
Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially. Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect（累積效應）on the number of credit cards students own and their level of credit card debt.
The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.
In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over ＄500.
The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors fo college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root."
31. In Adam Hancock's research, student's credit card debt is related to their _________.
A.knowledge B.concerns C.school D.parents
32. When college students have credit card debt, they may ________.
A.quit school B.fail in their exams
C.study financial knowledge D.have more credit cards
33. What can we infer from Paragraph 3?
A. More than 400 students i a university took the survey.
B. The survey was conducted with the paper questionnaire.
C. Nearly all the students in this survey have credit cards.
D. Students have fewer cards if their parents argue more.
34. If you have two or more credit cards, you are more likely to ________.
A.get wealthy B.have argument C.buy more things D.become in debt
35. As a student, what can yo learn from the passage?
A. We need to turn to our parents when we have credit card debt.
B. We should build correct financial attitudes when we are young.
C. We shouldn't have credit cards so that we can avoid argument.
D. We can have more credit cards to make life more comfortable.
導學全程練創優訓練系列答案科目：高中英語 來源： 題型：閱讀理解
"It takes an entire village to raise a child." That's an old proverb (諺語) that is being quoted more and more often these days. And I'm pleased about that.
Today, more and more schools are reaching out to involve parents, community members and businesses（工商企業）to help shape a child's future.
Parents need to be involved in their children's education in many ways. Helping children with homework and studying, going on a field trip, teaching a craft（手工藝）or coaching a child's sports team are all great ways to be involved with your child's education. And don't forget to communicate with teachers ---- they need and respect your input. Studies show that children learn more and schools function better when parents and schools work together. It's important to stay in touch with your child's education all through his or her school career.
Communities can help children create and achieve new goals. Help with homework, read to a child, coach a children's team, or provide emotional（情感上的）support. Help solve problems and build self-esteem（自尊心）. Kids need role models and advisers can be role models by sharing their experiences and wisdom.
Businesses can also help shape our children's future. Invite a class from your local school to visit your workplace. You may be providing a glimpse that opens a new world of possibilities. Show students what goes on during a typical day. Give a mini course for students: how to use a computer; how products are made; how machinery works. You may have a developing electrician, teacher, nurse, or even a newspaper reporter on your hands.
It really does take an entire village to raise a child．So share the responsibility（職責）-- and the joy -- of bringing a child to his or her full potential（潛能）.
The implied advice in the proverb "It takes an entire village to raise a child." is that ______.
A．All the people in a village should give food to a child.
B．Schools, parents, and other organizations should share the responsibility of shaping a
child's future.
C．Children should be brought up in the village where they were born.
D．Schools should be set up in the village where a child was raised.
The text was written mainly for ______.
A．parents and members in organizations
B．teachers and students
C．newspaper reporters and developing electricians
D．education experts and government officials
Students can get developed in practical working skill through ______.
A．parental involvement B．community activities
C．business training D．school teaching
Which is NOT true according to the passage?
A．Parents play an important part in children’s education.
B．Communities have not a bit effect on the way to new and high ideal.
C．Educating a child well demands of the work not only from school but from other
organizations.
D．Businesses may arrange some training courses for students.
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科目：高中英語 來源：2011屆河北省南宮中學高三12月月考英語試題 題型：完型填空
Do fight against painting pollution
Do you know what kind of things the young people are reading? More and more 21_ and teachers have noticed another kind of pollution, which comes from the printed papers 22 on streets.
These printed things 23 newspapers but have hardly anything to do with _24_. You can only find reading materials badly made up there—some are too strange for anyone to 25 ; others are frightening stories of something _26_. However, many of the young readers are getting interested in such 27 reading, which 28 them what they should pay for their breakfast and brings them nightmares and immoral ideas in 29 . Homework is left 30 and daily games lost.
These sellers stand about on streets selling their papers well. The writers, publishers and printers, 31 they are, we never know, are 32 their silent money.
The sheep-skinned wolf’s story seems to have been forgotten once again. Why not 33 this kind of thing? Yes, both teachers and parents have asked each other for more strict control of the young readers. 34 , the more you want to forbid it, the more they want to have a look at it. 35 you may even find several children, driven by their curious natures, 36 one patched paper, which has traveled from hand to hand.
It really does 37 to our society. It has already formed a sort of moral pollution. The 38 teachers and parents need more powerful support in their protection of the young generation. At the same time, the young 39 need more interesting books to help them 40 those ugly paper.
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科目：高中英語 來源：2012-2013學年浙江省紹興一中分校高二12月月考英語試卷（帶解析） 題型：完型填空
Do you know what kind of things the young people are reading. More and more 26 and parents have noticed another kind of pollution, which came from the printed papers 27 on streets.
These printed things 28 newspapers but have hardly anything to do with 29 , you can only find reading materials badly made up these—— some are too strange for anyone to 30 ; others are frightening stories of something still worse. However, many of the young readers are getting interested in such 31 reading, which 32 them what they should pay for their breakfast and brings them nightmares(惡夢)and immoral(邪惡的)ideas in return. Homework was left 33 ; daily games lost.
These sellers shout on streets selling their papers well. The writers, publishers and printers, whoever they are, we never know, are 34 their silent money.
The sheep - skinned wolf's story seems to have been forgotten once again. Why not 35 this kind of thing. Yes, both teachers and parents have asked each other for more strict control of the young readers. 36 , the more you want to forbid it, the more they want to have a look at it. Sometimes you may even find out several children, driven by the curious natures, 37 one patched paper, which has traveled from hand to hand.
It really does 38 to our society. It has already formed a sort of moral pollution. The 39 teachers and parents need more powerful support in their protection of the young generation. At the same time the young readers need more interesting books to help them 40 those ugly papers.
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科目：高中英語 來源：2012屆陜西省澄城縣寺前中學高三第一次月考英語試卷 題型：閱讀理解
Some kids start to drink alcohol （酒精） at a young age． They think it is part of becoming an adult．They also think drinking is not that bad because so many people do it．They feel it is not as bad as taking drugs （毒品）． It is easy for kids to get liquor（酒精飲料）by using fake identification （偽造證件）．
Parents may start to notice a change in their child’s behavior if the child starts drinking． Kids who drink sometimes stop doing things they normally liked to do．They may keep telephone calls and meetings a secret and not want anybody to touch their things．They act moody（喜怒無常） and do not have the same eating and sleeping habits．
Parents need to stay involved （牽涉） in their kids’ lives． They should talk to their children about their problems to be aware of any changes．
Parents can be the best protection． Children who get a lot of love can feel good about themselves． It helps them resist（抵抗） doing bad things even when other kids are doing them． Parents can also help set a good example by not drinking and driving． They can have firm rules in the home that everyone follows．
Give the children good ideas on how to say “no” to drinking, even when they are at a party． Try not to overreact or panic （驚慌） if the child tries alcohol． How you handle it can affect their attitude． It may be helpful to talk to other parents about setting up curfews （宵禁令） and rules about parties or other events．
【小題1】Which of the following is NOT the reason why some kids have an early start of drinking?
| A．They want to show their maturity （成熟） by drinking alcohol． |
| B．Drinking alcohol is much cooler than taking drugs． |
| C．They are affected by many other people around them． |
| D．They can get liquor easily． |
| A．Nothing serious will happen to them． |
| B．They keep the same eating and sleeping habits． |
| C．They can control their moods quite well． |
| D．Sometimes they act secretly． |
| A．punish them at once |
| B．ask the police for help |
| C．ask their children’s friends for help |
| D．set up curfews and rules about parties or other events with other parents |
| A．Teen health． | B．Teen education． |
| C．Teen drinking | D．Parents’ worries． |
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科目：高中英語 來源：2012-2013學年福建省福建師大附中高二上學期期中考試英語試卷（帶解析） 題型：閱讀理解
For many years there's been a debate about rewarding our children. Does it work? Is it effective?
Some people think we should establish a standard with our kids and give them something for meeting this standard as a reward. Punishment is given out in much the same way, but it’s used when certain standards of performance, behavior, etc. have not been met. Kids will often become more dutiful when threatened with punishment, and work harder when promised a valuable reward. The problem is what happens when you aren’t around.
To develop responsible, self-disciplined kids, parents need to promote certain ideas. One of these ideas is that everyone pitches in and helps in your family. Another idea is that there can be enjoyment in doing any task if we choose to make it so. When a task is for a worthy cause (our family can enjoy the house more because I helped clean it), this message can have a big impact.
This is how we help our kids develop a sense of responsibility. When our children develop this responsibility, they’ll be more disciplined, and they’ll control their emotions better. When we give rewards to our kids, we reduce the sense of responsibility. We also create children who may temporarily perform to a certain standard, but who aren’t likely to continue the performance without the carrot hanging in front of them.
“Rewards and punishment can change behavior for a while, but they cannot change the person who engages in the behavior,” said Alfie Kohn, author of Punished by Rewards. “Good values have to be grown from the inside out.” Parents can help give their children a sense of shared responsibility and discipline which can last a life time. The real rewards that your children receive will be their readiness for the complex and demanding world that waits for them—a world that rewards those who have learned the secrets of discipline responsibility. So keep those shiny rewarding to yourself, and let your kids find their own rewards.
【小題1】According to the passage, when children are threatened with punishment, ______.
| A．they may lose interest in their work |
| B．the results will be worse than usual |
| C．they may change to another person |
| D．they may appear to be well-behaved |
| A．apologies | B．aims | C．rewards | D．doubts |
| A．never pay attention to the way their children do things |
| B．show their children how to behave by example |
| C．help their children establish good values |
| D．never punish their children |
| A．Should parents reward their children? |
| B．Do you often reward your children? |
| C．When should parents reward their children? |
| D．What can parents reward their children with? |
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