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 . 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.

3 . 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。

Babloo was picking color papers and some watercolors while his mum was busy selecting the necessary daily supplies for this month. They both completed their selection of items and went to the checkout to pay the bill. Seetha was surprised to see the bill of Rs. 1000 (卢比), which was more than the budget that she had set. She wanted to return some of the items picked up by Babloo.

“But I like drawing. My teacher always shows my art to the class,” Babloo cried. He usually went to a secret place to work on creative artwork. He knew it was difficult for his parents to earn enough money. He was sure his artwork would be appreciated by the shop-keepers around and that he could give his parents a big surprise.

Seetha decided not to disappoint her son. Back at home, Babloo wanted to eagerly open the boxes and look at those items he had selected. But Seetha asked him to do his homework first. She was a litle worried about what her husband, Ramesh, would say about the additional bill amount.

Ramesh reached home around 7:00 P. M. He was very tired and Seetha offered him a cup of coffee. He was a sales executive. He had to work hard to complete the sales target to save his job in the company.

“We need to save at least a little more amount per month, Seetha. It might help us for any emergency expenses,” said Ramesh with a dull face. “What was the bill amount for this month? I hope that was within our budget.”

Seetha was silent for a moment and asked him to have his coffee first. Ramesh, with worry on his face, asked again, wondering if there was any problem.

“No... no issues at all. Only thing is this week’s spending has gone over the budget.” answered Seetha. “Babloo bought color papers and some watercolors and I did not want to disappoint him.”

注意：
1.续写词数应为150左右；
2.请按如下格式在相应位置作答。

At this, Ramesh called Babloo and talked to him angrily and seriously.

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Four weeks later, Babloo ran towards his father with lots of excitement and 10 notes of Rs. 100.

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

4 . Do you do housework in your family? _________ you help your parents with the housework, do you _________ do it for pocket money, _________ do you see it as a way of helping your _________ parents?

According to a recent study of teenagers, many of them feel they have a duty to _________ their parents because it is fair, especially if their parents work.

There are, _________, a few teens who only do the housework because they are _________ to by their parents. They say that they should not be _________ to help out at home because in their opinion, their _________ years are a period which should be ____________ rather than disturbed with household responsibilities. Some ____________ say that they would rather pay someone else to do their housework. But housework isn’t really about housework; it’s about ____________ teenagers into helpful and responsible adults.

Housework offers teenagers an excellent ____________ to learn basic life skills. These skills will help them successfully live separately from their ____________ when that time comes. This ____________ also adds to their sense of responsibility and confidence. Besides, housework helps teens to ____________ to be responsible roommates, the first step in being responsible and helpful community (社区) members. It can ____________ help them develop self-discipline (自律) and order, which are necessary for successful employment.

In all, teenagers should ____________ housework and will get ____________ from it, whether that means helping them develop their sense of ____________, or building up their self-confidence or developing healthy family relationships with their parents.

1.

A．Unless

B．Since

C．Though

D．If

2.

A．yet

B．just

C．still

D．already

3.

A．for

B．or

C．so

D．and

4.

A．busy

B．elderly

C．strict

D．angry

5.

A．look after

B．stay with

C．help

D．love

6.

A．however

B．besides

C．then

D．finally

7.

A．convinced

B．allowed

C．made

D．noticed

8.

A．expected

B．respected

C．welcomed

D．observed

9.

A．childhood

B．school

C．teenage

D．working

10.

A．enjoyed

B．remembered

C．defended

D．taught

11.

A．again

B．only

C．soon

D．even

12.

A．talking

B．shaping

C．fooling

D．forcing

13.

A．welfare

B．chance

C．reason

D．prize

14.

A．parents

B．classmates

C．roommates

D．neighbors

15.

A．ability

B．view

C．success

D．separation

16.

A．choose

B．prepare

C．agree

D．prove

17.

A．early

B．first

C．ever

D．also

18.

A．support

B．refuse

C．share

D．discuss

19.

A．money

B．pride

C．advantages

D．regrets

20.

A．responsibility

B．freedom

C．safety

D．achievement

5 . 听下面一段较长对话，回答以下小题。
1. Why does the woman suggest taking down the tree?

A．It covers a large area.

B．It stands there too long.

C．It makes the room messy.

2. How does the man feel about getting rid of the tree?

A．It's a pity.

B．It's a must.

C．It's a wise idea.

3. What did the speakers do this Christmas?

A．They went to church.

B．They visited some relatives.

C．They enjoyed a family gathering.