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The life-long benefits of teaching children how to take care of their money make it well worth the effort. Children who are not taught these lessons pay the consequences for a life time. Some parents don’t teach children about money because they think they shouldn’t talk about money with children, don’t have the time, or think they don’t have enough money. Parents should take the time to teach children about money regardless of their income and should start when children are young.
Most people have strong feelings and opinions about money, based on childhood experiences and the values and beliefs of their families. Most often, these experiences, values, and beliefs are different for each parent. Parents should talk about these feelings and opinions and establish an unchanging approach（方式） to teaching children about money. This is important for the healthy development of children.
Here are some tips that parents can keep in mind as they begin teaching their children to manage money:
★ Guide and advise your children how to spend their money, rather than tell them what they can and cannot do.
★ Encourage and praise children rather than criticize their actions.
★ Allow children to learn by mistakes and by successes.
★ Be consistent（前后一致的） while taking children’s differences into consideration.
★ Include all family members in money management discussions, decision making, and activities that are suitable for their age. As children get older include them in discussions of limits and consequences.
★ Expect all family members to do some everyday chores based on their abilities without being paid.
★ Express your desire to have things you can’t afford. Children need to know that parents say “no” to themselves, too.
小題1:It is _____ for parents to teach their children about money management in their childhood.

A．easy

B．useless

C．too early

D．beneficial

小題2:15-year-old Harry isn’t good at managing his money. His mother is advised to _____.

A．explain to him how to manage his money better

B．pay him more money to deal with his chores

C．praise him for what he has done

D．allow him to buy what he wants

小題3:When parents discuss how to manage the family finances, they should _____.

A．include their children in the discussion

B．express their desire to have some valuable things

C．pay more attention to their children’s differences

D．try to meet their older children’s needs first

小題1:D
小題2:A
小題3:A

試題分析：文章介紹教育孩子理財的重要性和怎樣教育孩子理財。
小題1:細節題：從第二段的句子：The life-long benefits of teaching children how to take care of their money make it well worth the effort. 可知教孩子理財是很有益的。選D
小題2:細節題：從第一個建議Guide and advise your children how to spend their money, rather than tell them what they can and cannot do. 可知要向孩子解釋怎樣理財。選A
小題3:細節題：從第五個建議的句子：Include all family members in money management discussions, decision making, and activities that are suitable for their age. As children get older include them in discussions of limits and consequences. 可知要讓孩子參與到討論中。選A
點評：文章介紹教育孩子理財的重要性和怎樣教育孩子理財。屬于信息篩選類短文，文本所給信息非常豐富，要求考生從中選出適合題目要求的信息。解此類題目時，考生可以先閱讀題目和選項，了解具體要求，然后再仔細閱讀文章，認真篩選甄別，這樣的閱讀就有的放矢，可以大大提高閱讀的速度和效率。

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