1 . Across the country, October is National Financial Planning Month, a time when you might want to look back on your retirement statement or rethink investments (投资) for the new year. The month also serves as a good reminder to teach the ones you love a thing or two about money basics. Whether it’s explaining the value of a dollar or delayed enjoyment for a beloved toy, you can explain to children where money comes from, how best to keep it, and the ways that you can use well-earned cash to shape the world we live in.

Financial literacy, simply put, is the know-how to prepare, track expenses, save, plan for retirement, and manage debt. Money-saving expert Andrea Woroch says it’s never too early to start talking about finances, and it can be as simple as taking them shopping or doing everyday tasks around the house. “Your children learn from your habits and the way you spend or save and even talk about money will shape how your children manage money in the future, even if you don’t realize it,” says Woroch.

Most people think that the easiest way to teach their kids about money is to let them watch what they do — from the convenience store to online shopping. But the right way is to practice being a role model of what you hope they (and you) would do when faced with money problems or opportunities.

Woroch says including kids in setting up a budget (预算) for an upcoming event can be a great learning experience. When you have to make a budget cut, think before you complain. Watch how you talk about sacrificing (牺牲) short-term pleasure for long-term gain.

If your family is doing well despite economic downturn, you can teach your kids to appreciate what they have and encourage them to help others in need. Ramirez, a senior advisor at Tend, suggests that parents “increase children’s awareness about how money can benefit others, not just themselves, by encouraging them to raise money for a cause.” This is also a great way to develop their social awareness.

1. Why should kids have financial literacy?

A．To avoid debts.	B．To obtain happiness.
C．To become experts.	D．To form a smart view towards money.

2. Which is suggested for parents to teach children financial literacy?

A．Setting a good example.	B．Opening an online store.
C．Asking them to shop alone.	D．Making them solve money issues.

3. What does Ramirez like to see according to the last paragraph?

A．Parents praise children’s efforts.	B．Parents donate money for charity.
C．Children save money for a cause.	D．Children make money by themselves.

3 . Some people only exercise self-discipline in the parts of their lives they think as necessities — such as turning up to work on time and getting the job done. But self-discipline is a skill that can be applied to every aspect of life. And the benefits can be great.     1     .

It will help you reach your full potential

When you have self-discipline, you are able to push yourself to achieve things you never thought possible. You set high standards for yourself and then work hard to meet them.     2    . It can also help you feel proud of yourself and your accomplishments. Ultimately, it can help you be the best you can be in all aspects of your life.

    3    

Self-discipline can help you get more done in less time. When you have self-discipline, you are less likely to waste time on things that are not important. This means you can use your time more effectively and get more done. This can lead to greater productivity at work, at home, and in your personal life.

It will help you be healthier

Self-discipline can also help you live a healthier life. When you have self-discipline, you are more likely to make healthy choices and stick to them. This means you will be less likely to overeat, smoke, or engage in other unhealthy behaviors.     4    . All of these things can lead to better physical and mental health.

It will help you be happier

Last but not least, self-discipline can help you be happier. When you have self-discipline, you are less likely to engage in self-destructive behaviors.     5     . This can lead to a greater sense of happiness and wellbeing.

So, as you can see, self-discipline can improve your whole life. If you want to be more successful, productive, and happier, then start working on your self-discipline today.

A．It will help you finish work on time.

B．It will help you be more productive.

C．Here’s how self-discipline can improve all aspects of your life.

D．This can lead to personal and professional success.

E．This is because you are less likely to give up when things get tough.

F．This means you will be more likely to focus on the positive and enjoy your life.

G．It can also mean you are more likely to exercise regularly.

5 . My daughter will turn 17 in three months! As a parent, I feel the urgency (紧迫) to teach her important skills before she goes off to college.     1    . So this article is written for her and other teens.

    2    . It's easy to spend money. What's not easy is spending money wisely. One way to help you spend money wisely is to separate your wants from your needs and spend money primarily on your needs. Write down what you need with those costs in one column and write down what you want with those costs in another column. Then compare them.

Start the savings habit. Start to set aside money for the future now, while you are young.     3    . This will go towards goals such as buying a new learning reference book(a short-term goal), a laptop computer(a longer-term goal), a rainy-day fund and college expenses.

Be careful with credit cards. When you go to college, you may find credit card companies often attract you to sign up for their credit cards. They will try to convince you that a credit card is like having free money for you to spend while you only pay the smallest amount each month.     4    . Because you may fall into the terrifying dream of high interest (利息) rates.

Be a smart shopper. Plan ahead weekly by making a shopping list and stick to the list. Consider using recipes (食谱) that use low-cost, healthy materials.     5    . Compare prices online, especially for clothing and shoes.

A．Write down your needs and wants

B．This idea of money can be very dangerous

C．Get a part-time job when you're old enough

D．Now put aside some money when you have any income

E．Eat before you shop to avoid a sudden wish to buy something

F．Few people ever become wealthy based entirely on their earnings

G．Money management skills are extremely important for her success and happiness

6 . 阅读下面材料,根据其内容和所给段落开头语续写两段，使之构成一篇完整的短文。续写词数应为150左右。

When I was a child, I was particular about food. It was Aunt Nelda that changed my habit of being a picky eater.

As far as I could remember, on a Friday night, when Dad and I arrived at Aunt Nelda’s house at dinner time, she prepared a big meal for us. Though the dishes smelled delicious, I didn’t feel like eating some of them. I took several bites of the sandwich and then laid it aside. Dad wanted to kick me under the table to remind me to finish all the food, but drawers (抽屉) between us protected me.

Looking at those drawers, I had a good idea. When Dad got up to refill his soup bowl, I pulled the bottom drawer open. It was full of cloth napkins (布餐巾). I put my sandwich under them and shut the drawer quickly. A plan for my rest food at Aunt Nelda’s emerged.

The next morning, I did the same to the food which I hated to eat. When Aunt Nelda saw my empty bowl, she gave me some sweets and said, “Good job, Jodi. You like my cooking just as much as your father.”

On Sunday, the food under the napkins continued growing, but somehow more slowly. Aunt Nelda was actually a pretty good cook. At noon, her children were coming for lunch. I offered to help set the table.

“Jodi, get the cloth napkins out of the bottom drawer,” she said. My heart began to beat fast. It was not because of the bottom drawer or the cloth napkins, but because of the left food.

“No, let’s use these!” I said, grabbing a handful of paper napkins. Aunt Nelda reached for the drawer. “My children prefer cloth napkins!” she said. I held my breath, waiting for the horrible scene. However, I couldn’t believe that she handed me some neat napkins.

“I’ve already cleaned them up,” she said. “It was so strange that there was much food under the napkins. I hadn’t seen mice for years! Guess what? They were back again. A long time ago, they made a nest and carried the food all over the house.”

注意：
1. 续写词数应为150左右；
2. 请按如下格式在答题卡的相应位置作答。

Aunt Nelda’s words made me feel relieved but ashamed.

_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Hearing what I said, Aunt Nelda opened her mouth wide.

_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

7 . Have you ever considered buying or moving to a farm? Did you know that children farming and raising animals builds character?     1    .

Physical activity

You needn’t worry about your child spending all day inside playing video games.     2     When physical activity is an essential part of a child’s life from the start, it keeps them at a health y weight while making them less likely to become fat as an adult.

Compassion (同情) and understanding

When a child grows up on a farm, they learn the responsibility of caring for crops or animals. They discover how to understand and feel compassionate toward something that can’t communicate its feelings.     3    . On top of the animals or plants they care for, your child will also learn to appreciate and protect the environment.

Discipline (自制力) and hard work

By growing up on a farm, your child learns about responsibility. They learn that they have duty and that they can enjoy their free time when those jobs are done.     4    . When they see a beautiful harvest, they see that all those early mornings and long days were worth the reward. This attitude of self-discipline and putting in the work to see the results will benefit them for their entire life.

    5    

Kids who grow up on a farm have a good knowledge of their environment in a way most others never will. They learn how to grow plants and raise animals. They can diagnose problems and come up with solutions. They understand how to use farming equipment and how to work with the weather instead of against it. Those skills open the door to allowing your child to live and thrive anywhere they want.

A．Survival skills

B．The value of teamwork

C．Here are some benefits of raising children on a farm

D．This is a quality that will help them in any social situation

E．And they get the opportunity to see the fruits of their labor

F．It’s never too early to start thinking about your child’s future

G．Instead, your child will be out on the farm working with plants or animals

8 . Billions of people deal with a nail-biting habit at some point in their lives. Many will go to great lengths to try to stop. And while not all of us are nail-biters, most of us do have a habit we’d like to kick. So what’s the best way to break one?

Research shows that intentions alone often fail to lead to long-term behavior change. This isn't to say you can’t break a habit. Rather, by understanding the basis of habits, you can create better plans for changing them. For example, we know habits are often affected by environments and routines. Lying in bed may cause you to endlessly scroll through your phone, or watching TV on the couch may lead you to grab a sugary snack.

One of the most effective ways to manage behavior is to identify these locations or times of day. Then try to modify them by changing your routine or creating obstacles that make it more difficult to perform the habit in that space. Moving, switching jobs, or even starting a new schedule, are particularly great times to break a habit or build a new one.

One 2005 study tracked university students’ exercising, reading, and TV-watching habits before and after they transferred schools. When students were no longer around old environments and routines, their habits, even the strong ones, significantly changed.

For behaviors like nail-biting, a practice called habit reversal training can be helpful. Developed by psychologists in the 1970s, the aim is to change a habit by replacing it with another one that’s less detrimental. The training requires you to analyze and understand your habit cues, so you can effectively step in at the right times. For example, if you tend to bite your nails at work, keep a fidget toy at your desk in advance. Then, if a stressful email comes in, use the toy when you feel the urge to bite your nails.

Breaking a habit takes time, so remember to give yourself grace and have patience through the process.

1. Why does the author mention “a nail-biting habit” in Para.1?

A．To make a comparison.	B．To make a conclusion.
C．To introduce the topic.	D．To attract readers' attention.

2. What is the best way to help us control our action?

A．Having intentions alone.	B．Understanding the basis of habits.
C．Making practical plans.	D．Adapting the environments or times.

3. What does the underlined word “detrimental” in Para.5 probably mean ?

A．Harmful.

B．Helpful.

C．Annoying.

D．Time-consuming.

4. Which of the following is the best title for the text?

A．Difficulties in dealing with nail-biting.	B．Significance of habit reversal training.
C．Useful tips on getting rid of a habit.	D．Necessity of having grace and patience.

9 . One thing that’s never in short supply at the beginning of each new year?     1     But many of us fail to stick with our New Year’s resolutions months (or even weeks) after making them. It turns out there are commonly avoided mistakes. That explains why some people always seem to reach their goals while others keep falling short.

    2     If you fail to pick the right habit, you aren’t likely to accomplish the corresponding goal. Say you want to lose some weight this year, forming a habit of running 30 minutes a day may not help you do that if you don’t also form habits related to the foods you eat, because diet affects weight more than exercise.     3     Failure to establish habits that support your goals may cause your resolutions to flop before you begin.

Another common mistake people make when setting goals is becoming overly concerned about the amount of time it will take to form a new habit. There’s no one right answer when it comes to how long new habits should take to form.     4     Some people simply adopt new habits faster than other people and that complex habits usually take longer to form. Consider how easy it is to brush your teeth at night compared to reading a full chapter of a book each day.

So the yearly ritual of resolution setting doesn’t have to be an annual disappointment. Sometimes, the difference between success and failure is simply choosing the right habits and the process you use to go about achieving it. Most importantly, remember to be kind and flexible with yourself and to celebrate any and all progress along the way.     5    

A．Good intentions.

B．Congratulations and best wishes.

C．In other words, you must also readjust your diet.

D．It’s essential to choose a habit you think enjoyable.

E．A common error many people make is not choosing right habits.

F．It depends on what habit you’re trying to develop and who you are.

G．It’s not just the end goal that matters—it’s the journey along the way.

10 . 短文填空

In reality,    1     (使我们震惊的是，主语从句) large amounts of food have been wasted in restaurants and canteens. Food waste can not only lead to the environment’s being polluted     2     (而且引发更为严重的食物短缺). 3.     3     (考虑到这个令人苦恼的情况), a campaign has been launched in the past months to     4     (阻止学生们浪费粮食).     5     (对于我们学生来说，少点食物比浪费食物更重要，主语从句). Now,   with students forming the habit of cleaning their plates, we are     6     (convince) that our school canteen will soon be kept free of wasted food.