EAT YOUR VEGETABLES.　Wash your hands.　Always say "please"　and　"thank you　".We are full of advice for our children,　but when it comes to money,　we often have little to say.　As a result,　our children may grow up with clean hands and good manners,　but without any idea how to　manage their money.Here are some basics that will help guide them their entire lives：

Show them the future.　If your 13-year-old girl were to save $1.000,invest(投资)it at 8% and add $100 every month,　by the time she's 65,she would have $980,983!zxxk

Be careful of credit(信用).Credit cards can help you buy necessary things and build a credit history,　but they must be used responsibly,　which means paying off your debt in time.　Explain to your children that when you buy something using a credit card,　you can easily end up paying two or three times what you would have paid if you used cash.

Teach patience.　Suppose your child wants a new bicycle that costs $150.Rather than paying the cash,　give him some regular pocket money and explain that by putting aside,say,$15 each week,　he will be able to buy it for himself in only ten weeks.

Provide incentive.　Tell your children the importance of saving.　"For every dollar he or she agrees to save and invest rather than spend,　you agree to add another dollar to the pot,　"says Cathy Pareto,　expert in money planning.

Explain your values.　Values and money are deeply intertwined(缠结在一起),　says 　Eilleen 　Gallo,　co-author of The Financially Intelligent Parent.　When your child demands that you buy something,　explain why you really don't want to buy it.　"You might say, 'I'd rather save that money for your education,'"　advises Gallo.　Every time you spend or don't spend money,　you have a chance to share your values.

1.The writer gives some basics to help ____ in a proper way.

A．parents teach their children how to deal with money

B．children follow their parents　'instructions

C．children manage their money

D．parents save their money

2.The underlined word　"incentive"　in paragraph 6 means ____.

A．honor            B．praise            C．excitement        D．encouragement

3.What leads the writer to write this article?

A.　Parents want to know how to educate their children.

B.　He wants to share his good ideas about money matters.

C　.He thinks money management the most important for children.

D.　Parents care 　little 　about their children's management of money.

 

　In his youth, Darwin was an average student.__1__ he was a big reader. He also was an eager __2__， especially of beetles and butterflies. (He once carried two beetles, one in each hand, and then saw a __3__ so interesting that he decided to put it in his mouth.)

__4__ it came time for higher education, Darwin went to Edinburgh in Scotland to study medicine. But he soon found that he couldn't __5__ the sight of blood. So he left and went to school at the University of Cambridge in England __6__. He was preparing to become a minister, a profession in which blood shouldn't be a(n) __7__.

His heart was not in __8__， though. He spent his time at Cambridge collecting __9__ bugs and talking about science with people like the geologist Adam Sedgwick and the botanist John Stevens Henslow. Henslow saw that Darwin could be a __10__， and helped him get the chance to go on a long sea __11__ of exploration on a ship called the Beagle.

__12__ that ship's five－year trip around the world, Darwin observed many __13__ of life and various geological formations and fossils in South America and islands in the Pacific Ocean.__14__ the time the voyage ended, in 1836, Darwin knew more about life than anybody else.

During this trip, Darwin sent __15__ back to England. So he was well known as a scientist when he __16__. But __17__ becoming a professor, Darwin moved to the __18__. For some reason he was almost always __19__ with a stomach disorder. Doctors couldn't help him. (Even today, experts __20__ what disease he might have had.) So he lived an isolated life with his wife and family. He did experiments, studied plants and animals, read books and wrote papers in the comfort of his country home.

1. A. And         B. So             C. Or            D. But

2. A. collector   B. learner        C. instructor    D. farmer

3. A. larger      B. third          C. beetle        D. second

4. A. Before      B. Although       C. When         D. Until

5. A. meet        B. like           C. catch        D. stand

6. A. yet         B. instead        C. too          D. soon

7. A. sight       B. operation      C. problem      D. necessary 

8. A. religion    B. study          C. research     D. science

9. A. fewer       B. more           C. rarer        D. bigger

10. A. scientist    B. minister      C. geologist    D. learner

11. A. discoveries  B. voyage        C. fishing      D. passage 

12. A. Before       B. After         C. Until        D. During

13. A. forms        B. sizes         C. heights      D. years

14. A. In           B. After         C. By           D. During

15. A. reports      B. application   C. news         D. bugs

16. A. started out  B. came back     C. passed away  D. sailed out

17. A. fond of      B. content with  C. rather than  D. sticking to

18. A. city         B. university    C. office       D. countryside

19. A. disturbed    B. content       C. concerned    D. curious

20. A. know about   B. argue about   C. find out     D. care about