2014—2015学年大同市云天补习学校第三次模拟考试.docVIP

2014—2015学年度大同市云天补习学校第三次模拟考试 英语试卷 本试卷分第I卷（选择题）和第II卷（非选择题）两部分（总分150分，考试时间为120分钟） （提示：七选五选项涂卡：AB＝E、AC＝F、AD＝GA Many children first learn the value of money by receiving an allowance（pocket money）．The purpose is to let children learn from experiences 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（预算. Parents are usually advised not to offer more money until the next allowance. The object is to show young people that a budget demands a choice 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 allowances can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance. A saving account is an e