An allowance(零花錢) is an important tool for teaching kids how to make plans for the use of money, save and make their own decisions. Children remember and learn from mistakes when their own dollars are lost or spent foolishly.
How large an allowance is suitable? Experts say there is not right amount. Actual amounts differ from region to region, and from family to family.
To set an suitable allowance for your child, work up a weekly plan. Allow for entertainment costs such as movies and snacks. Next, include everyday expenses such as lunch money, bus fare, school supplies. "If you make the child responsible for these bills’," says Josephine Swanson, a consumer specialist, " he or she will learn to plan for necessary costs."
Finally, add some extra money to make saving possible. If you can keep your child’s allowance in line with that of his friends. A child whose buying power falls away below his peers’ can feel left out.
It can be tough, but don’t excuse your children when they make a mistake with their allowance. When Brooke Stephens was ten and growing up in Jacksonville, her mother gave her $5 a week, $1.75 of which was for bus fare and lunch." If you lose your money," Brooke’s mother told her, "you walk home."
One week the girl spent all her allowance in a candy store, then she called home for a ride. " Mom made me walk home," recalls Stephens, now a financial planner in Brooklyn. " At first I was angry. But I finally realized that she was trying to teach me an important lesson. "
Experts advise that an allowance should not be tied directly to a child’s daily housework at home. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family. You might, however, pay a child for doing extra jobs at home, which can develop his or her early habits.
1.Which of the following is the possible title of the passage?
A．How to develop a child’s early habits.
B．How to work up an amount of pocket money.
C．How to teach a child about money.
D．How to teach a child to save money.
2. It can be inferred from the passage that if a child is given an allowance, he or she may ________.
A．spend all the money very soon
B．fall into the bad habit of wasting money
C．feel responsible and careful about money
D．lose the money and can not return home
3. In Paragraph 4, the words “his peers” refer to ________.
A．his parents B．his friends
C．his financial experts D．his teachers
4. Why does the writer mention Brooke Stephens?
A．To question the opinion about pocket money.
B．To compare Stephens with other financial experts.
C．To explain that parents should be strict when children are developing good habits about money.
D．To suggest pocket money is useless in developing a child’s sense of responsibility.
5. The writer implies in the passage that ________.
A．children may feel lonely if they have no pocket money
B．a(chǎn) child’s early good habits can be developed if he or she is paid for all the housework
C．paying children for their housework is no good
D．children may learn to put aside some money if they are given a great amount of pocket money
1.C
2.C
3.B
4.C
5.C
【解析】
試題分析：本文討論的主要是關(guān)于給孩子零花錢的問(wèn)題，以及孩子在使用零花錢方面的具體的作用和影響。
1.C 主旨大意題。本文討論的主要是關(guān)于給孩子零花錢的問(wèn)題，以及孩子在使用零花錢方面的具體的作用和影響。故C項(xiàng)正確。
2.C 推斷題。根據(jù)文章第三段"If you make the child responsible for these bills’," says Josephine Swanson, a consumer specialist, " he or she will learn to plan for necessary costs."說(shuō)明如果我給孩子零花錢，孩子就可能會(huì)為自己的賬單，也就是自己所話的錢負(fù)責(zé)。故C項(xiàng)正確。
3.B 推理題。根據(jù)本句If you can keep your child’s allowance in line with that of his friends. A child whose buying power falls away below his peers’ can feel left out.說(shuō)明孩子和他的朋友在一起的時(shí)候，如果他的錢不如朋友多，就會(huì)感覺不好，故該詞是指他的同齡人，爺爺就是他的朋友們。故B正確。
4.C 推理題。根據(jù)文章倒數(shù)第三段第一句It can be tough, but don’t excuse your children when they make a mistake with their allowance.可知如果孩子犯錯(cuò)，不要給他找借口。也就是對(duì)孩子要嚴(yán)格，接下來(lái)舉例就是為了說(shuō)明這個(gè)道理。故C項(xiàng)正確。
5.C 推理題。根據(jù)文章最后一段前3行Experts advise that an allowance should not be tied directly to a child’s daily housework at home. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family.可知專家認(rèn)為給孩子錢讓他們做家務(wù)這種做法是錯(cuò)誤的。故C項(xiàng)正確。
考點(diǎn)：考查教育類短文閱讀
點(diǎn)評(píng)：本文討論的主要是關(guān)于給孩子零花錢的問(wèn)題，以及孩子在使用零花錢方面的具體的作用和影響。推理題要求在理解原文表面文字信息的基礎(chǔ)上，做出一定判斷和推論，從而得到文章的隱含意義和深層意義。推理題所涉及的內(nèi)容可能是文中某一句話，也可是某幾句話，但做題的指導(dǎo)思想都是以文字信息為依據(jù)，既不能做出在原文中找不到文字根據(jù)的推理，也不能根據(jù)表面文字信息做多步推理，要根據(jù)原文表面文字信息一步推出的答案。
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An allowance is an important tool for teaching kids how to budget, save and make their own decisions. Children remember and learn from mistakes when their own dollars are lost or spent foolishly.
How large an allowance is appropriate? Experts say there is not right amount. Actual amounts differ from region to region, and from family to family.
To set an appropriate allowance for your child, work up a weekly budget. Allow for entertainment expenditures such as movies and snacks. Next, include everyday expenses such as lunch money, bus fare, school supplies. "If you make the child responsible for these ‘ ills’," says Josephine Swanson, a consumer specialist, " he or she will learn to budget for necessary expenditures."
Finally, add some extra money to make saving possible. If you can, keep your child’s allowance in line with that of his friends. A child whose purchasing power falls away below his peers’ can feel left out.
It can be tough, but avoid excusing your children when they make a mistake with their allowance. When Brooke Stephens was ten and growing up in Jacksonville, her mother gave her $5 a week, $1.75 of which was for bus fare and lunch." If you lose your money," Brooke’s mother told her, "you walk home."
One week the girl spent all her allowance in a candy store, then she called home for a ride. " Mom made me walk home," recalls Stephens, now a financial planner in Brooklyn. " At first I was angry. But I finally realized that she was trying to teach me an important lesson. "
Experts advise that an allowance should not be tied directly to a child’s daily chores. Kids should help around the house not because they get paid for it but because they share responsibilities as members of a family. You might, however, pay a child for doing extra jobs at home, which can develop his or her initiative.
63. Which of the following is the possible title of the passage?
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A. paying children for their housework is no good
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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.
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C. will do more work around the house
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E
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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