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?
A. How to develop a child’s initiative.
B. How to work up an amount of pocket money.
C. How to teach a child to save money.
D. How to teach a child about money.
64. 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. be spoiled and finally ruined
C. feel responsible and careful about money
D. lost the money and can not return home
65. In Paragraph 4, the words “his peers” refer to ________.
A. his parents B. his teachers C. his financial experts D. his friends
66. The author implies in the passage that ________.
A. paying children for their housework is no good
B. a child’s initiative can be developed if he or she is paid for all the housework
C. children may feel lost and lonely if they have no pocket money
D. children may learn to put aside some money if they are given a great amount of pocket money
名校課堂系列答案科目：高中英語 來源： 題型：閱讀理解
“Few things help an individual more than to place responsibility upon him，and let him know that you trust him.” These words are from the black American educator，Booker Washington. He was saying that，“If you want people to grow up，you have to stop treating them like children.”
In America，families are close but children are encouraged to be independent，to make their own decisions，even at a very early age. It’s not unusual for a child of seven to be given an allowance(津貼)every week. The child is encouraged to save some of the money but he or she can spend it on whatever they choose，for example，buying clothes，school supplies or CDs. Some teenagers even have their own credit cards! That’s a big responsibility since even adults are tempted to overspend when they have credit cards.
From an early age，American children are asked for their opinions and they are included in family decision making. At the dinner table，teenagers will be listened to on any topic，from politics to buying a new family car or where the family will go on vacation. In this way, teenagers are getting practice in becoming individuals：they are learning how to stand on their own two feet.
Many Chinese young people are becoming almost as interested as American teens in searching for independence. They want to express those qualities that make them unique human beings. You can see this in the way they dress, the music they listen to and the friends they choose. “Super Girl” Li Yuchun caught the imagination of Chinese teenagers on the “Super Girl” television contest. She was not the traditional “nice，young Chinese girl”. With her short，spiky hair and boy-like clothes, she was telling everyone that she was different. She had the courage to be her own person and to stand on her own two feet...and she won!
There is an old saying，“Everyone should carefully observe which way his heart draws him and then choose that way with all his strength.” If you do this, step by step, over a period of time, you may find that you have become the person you always wanted to be.
The passage is intended to encourage the youth to________.
A. save money for useful things B. become independent
C. express their great ambitions D. make important decisions
A child of seven is given an allowance so that he can______.
A. be accepted as a popular guy B. learn to decide how to use money
C. overspend money without care D. have school supplies of his own
The author implies that many Chinese children________.
A. are more independent than Americans B. should become interested in America
C. are happy with their present situation D. are not satisfied to be nice, quiet ones
The main idea of the last paragraph is________.
A. that we should do things step by step B. why we should understand our desires
C. what we should plan for our own life D. how we can manage to realize our dreams
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科目：高中英語 來源：浙江省金華一中09-10學年高二下學期期中考試 英語 題型：閱讀理解
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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科目：高中英語 來源：2012-2013學年上海市高三月考英語卷（解析版） 題型：閱讀理解
The modern Olympic Games, founded in 1896, began as contests between individuals, rather than among nations, with the hope of promoting world peace through sportsmanship. In the beginning, the games were open only to amateurs. An amateur is a person whose involvement in an activity---from sports to science or the arts---is purely for pleasure. Amateurs, whatever their contributions to a field, expect to receive no form of compensation ; professionals, in contrast, perform their work in order to earn a living.
From the perspective of many athletes, however, the Olympic playing field has been far from level. Restricting the Olympics to amateurs has precluded（妨礙） the participation of many who could not afford to be unpaid. Countries have always desired to send their best athletes, not their wealthiest ones, to the Olympic Games.
A slender and imprecise line separates what we call “financial support” from “earning money.” Do athletes “earn money” if they are reimbursed（補償） for travel expenses? What if they are paid for time lost at work or if they accept free clothing from a manufacturer or if they teach sports for a living? The runner Eric Liddell was the son of poor missionaries; in 1924 the British Olympic Committee financed his trip to the Olympics, where he won a gold and a bronze medal. College scholarships and support from the United States Olympic Committee made it possible for American track stars Jesse Owens and Wilma Rudolph and speed skater Dan Jansen to train and compete. When the Soviet Union and its allies joined the games in 1952, the definition of amateur became still muddier. Their athletes did not have to balance jobs and training because as citizens in communist regimes, their government financial support was not considered payment for jobs.
In 1971 the International Olympic Committee(IOC) removed the word amateur from the rules, making it easier for athletes to find the support necessary to train and compete. In 1986 the IOC allowed professional athletes into the games.
There are those who regret the disappearance of amateurism from the Olympic Games. For them the games lost something special when they became just another way for athletes to earn money. Others say that the designation of amateurism was always questionable; they argue that all competitors receive so much financial support as to make them paid professionals. Most agree, however, that the debate over what constitutes an “amateur” will continue for a long time.
1. One might infer that _______________________.
A．developing Olympic-level skills in athletes is costly
B．professional athletes are mostly interested in financial rewards
C．amateurs does not expect to earn money at the sport that is played
D．amateurs have a better attitude than professionals do
2. The statement “the Olympic playing field has been far from level” means that__________.
A．the ground the athletes played on was in bad condition
B．the poorer players were given some advantages
C．the rules did not work the same way for everyone
D．amateurs were inferior to the professionals in many ways
3. The financial support given to athletes by the Soviet government can best be compared to ________________.
A．a gift received on a special occasion, such as a birthday
B．money received from a winning lottery ticket
C．an allowance paid to a child
D．money from charity organization
4. One can conclude that the Olympic Organizing Committee _________________.
A．has held firm to its original vision of the Olympic games
B．has struggled with the definition of amateur over the years
C．regards itself as an organization for professional athletes only
D．did nothing but stop allowing communists to participate
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科目：高中英語 來源：完形填空 題型：閱讀理解
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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