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.

2 . 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。

It was two weeks before a holiday, and I still hadn’t sent out our holiday cards. Each year, my family gets dozens of holiday cards from friends and family. I wanted to send some out as well that year — perfect ones.

I decided to make them with a family picture taken by a professional photographer. After dropping off my two boys at school, I called a local photographer. The photographer told me since there wasn’t much time before the holiday, he would come on early Sunday morning and told me to have the whole family in white shirts.

Now, not only did I have my usual five million things to do, but I also had to find matching white shirts for my entire family. My husband was trying to help, but I thought I could juggle (尽量兼顾) everything and fix everything perfectly. He also suggested wearing our old shirts, but I insisted on getting new ones to ensure the picture was perfect.

After visiting a bunch of stores, I got perfect white polo shirts. I was able to continue doing all my other errands (差事) with a smile, knowing that my family was going to look great for the holiday photograph session.

I’m not sure where the rest of the hours went, but when I went to get my younger son to sleep on Saturday night, I noticed his hair was a complete mess. He needed a haircut! With all my running around, I hadn’t noticed how badly he needed one. It was 8:00 at night — too late to find a barber. The photographer was coming the next morning.

I took out the scissors I barely used and told my younger son to come into the bathroom where I started to cut his hair. My son was very cooperative. When I was done, we both knew that the haircut was a disaster! I started to panic — our holiday cards might be delayed.

My husband offered to help again. I hesitated for seconds and agreed. He asked me to go downstairs and have a cup of tea while he took care of the situation. My older son also came to help.

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

With no mood for tea, I was walking around downstairs restlessly. _______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

When I saw the three of them were happy with the same buzz cut (寸头) made by my husband, my tears were replaced with smiles and I made a decision. _______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

3 . 听下面一段较长对话，回答以下小题。
1. Why does the man ask the girl to go to bed?

A．She will take a test tomorrow.

B．They will have a holiday tomorrow.

C．She will have classes tomorrow morning.

2. Which subject does the girl need to improve?

A．Math.

B．English.

C．History.

3. What will the girl do next?

A．Go to sleep.

B．Get her textbook.

C．Play video games.

4 . 听下面一段较长对话，回答以下小题。

1. What does the man ask the woman to do for the dog?

A．To feed it.

B．To bathe it.

C．To walk it.

2. Why does the woman refuse to have a dog?

A．It is too noisy.

B．She has no room for the dog.

C．She can’t afford a dog.

3. Who’d like to have a cat at home?

A．The man.

B．The woman.

C．The woman’s mother.

4. What kind of a pet does the man feed finally?

A．A rabbit.

B．A parrot.

C．A cat.

5 . When you hear the word “culture”, you may think of nations or societies.     1     What is family culture? It is the combination (结合) of values, expectations, and experiences that describes a family and shapes the way its members get along with each other.

Everyone has a unique culture that determines who they are as a person. Your family culture helps you understand your traditions and explains the reason for your behavior every day. It’s important to you.     2     A deeper sense of unity and togetherness is important for a family culture. The following will help you understand how to uncover your cultural story with your family.

    3     You can find out what your family’s values are and what they stand for by looking at the traditions around those values. You can do this by talking to people you respect in your family or by using some simple Internet searches. Through looking into your family’s history, you will understand the context of their culture.

After this, it’s time to write a detailed description of your family’s culture.     4     So you need to take your time with this step. In this description, you need to give a specific account of your family’s culture, traditions, values, and history.

The last step is to share it with people. You can talk to your family about their culture and let them know that you’ve written down what they are like. You can also talk to friends who know little about your family’s culture.     5    

Exploring your family’s culture is an exciting process that will bring new meaning to everything you’ve ever held dear. So start your journey of uncovering it right now!

A．This is a key part of the process.

B．But every family has a culture, too.

C．Know how to talk with your family.

D．Start by researching your family’s history.

E．It also contributes to your family togetherness.

F．Then they can start a process of self-exploration.

G．So they will know better what your family is all about.

6 . Dusting is particularly annoying. Nearly two-thirds of household dust content comes from the outdoors, some of which may contain harmful chemicals. So, keeping your home as dust-free as possible is important to improve overall health.     1    ？

In general, you should dust your home’s most exposed surfaces on a weekly basis. This means items such as tables, shelves, beds, dressers, counter-tops and windows.     2    . Use microfiber or natural-fiber cloths that will pick up the dust.

Change your bed sheets weekly, as dust mites (螨) especially love bedding.     3    . Every three to six months, clean behind and under furniture, and wash your bedding.

Since so much dust comes in from the outdoors, you can cut down on the amount gathering in your home by keeping doors and windows closed as often as possible, and placing carpets on both sides of doors.     4    , changing them for a pair of slippers or private house shoes.

Get rid of odds and ends, which can easily attract dust, and be careful how you handle clothes. Since clothes both collects dust and sheds (掉落) fibers, regularly wash any clothes or don’t throw clothing on the ground.

When you’re getting ready to clean a room, always work from the top down.     5    , the dust on the highest surfaces will drift down to everything you’ve just cleaned.

A．If you dust from the bottom up

B．How can we keep the home dust-free

C．Why should we keep the home dust-free

D．You can remove your shoes when you come home

E．You can buy some new shoes before you return home

F．Don’t use feather dusters that simply push the dust around

G．Items that don’t collect dust easily can go a month without cleaning

7 . 听下面一段较长对话，回答以下小题。
1. How does the woman think Mark feels?

A．Frightened.

B．Unhappy.

C．Anxious.

2. What was Catherine doing when the speakers got home?

A．Reading her books.

B．Playing with her friends.

C．Chatting with the operator.

3. What’s the relationship between the speakers?

A．Couples.

B．Classmates.

C．Colleagues.

4. What will the speakers do for Mark?

A．Write down their own experiences.

B．Create an unexpected situation.

C．Keep a record of his reactions.

8 . 听下面一段较长对话，回答以下小题。
1. What was the woman doing just now?

A．Cooking.

B．Eating.

C．Reading.

2. What is the main topic of the conversation?

A．Big data (数据).

B．Medical treatment.

C．Public safety.

3. Where does the woman probably work?

A．In the city hall.

B．In a company.

C．In a hospital.

9 . 听下面一段较长对话，回答以下小题。
1. What does the woman’s mother always ask her to do?

A．Wash clothes.

B．Water flowers.

C．Do some cooking.

2. What is fun for the man’s family at weekends?

A．Cleaning rooms together.

B．Watching TV together.

C．Having a picnic together.

3. Who is good at gardening?

A．The woman.

B．The woman’s father.

C．The woman’s mother.

10 . What is the dog’s name?

A．Scott.

B．Michael.

C．Robert.