高中英语人教版 (2019)必修 第三册Unit 5 The Value of Money综合训练题

这是一份高中英语人教版 (2019)必修 第三册Unit 5 The Value of Money综合训练题，共4页。

主题：人与自我——正确的人生态度
体裁：议论文
词数：402
难度：中
阅读用时：9分钟
背景导入：对于父母是否应该给孩子零用钱这个话题，人们一直争论不休。重要的是，父母应教会孩子如何正确使用零用钱，培养孩子的金钱意识，这对孩子未来的生活具有重要意义。
阅读技巧：训练学生通过语境线索进行合理推断的能力。
原文
Hw an Allwance Helps Children Learn Abut Mney
Many children first learn the value f mney by receiving an allwance①. The purpse is t let children learn frm experience at an age when financial②mistakes are nt very cstly. The amunt f mney that parents give t their children t spend as they wish differs frm family t family.
Timing is anther cnsideratin. Sme children get a weekly allwance. Others get a mnthly allwance. In any case, parents shuld make clear what, if anything, the child is expected t pay fr with the mney.
At first, yung children may spend all f their allwances sn after they receive them. If they d this, they will learn the hard way that spending must be dne within a budget③. Parents are usually advised nt t ffer mre mney until the next allwance. The bject is t shw yung peple that a budget demands chices between spending and saving. Older children may be respnsible enugh t save mney fr larger csts, like clthing r electrnics④.
Many peple wh have written n the subject f allwances say it is nt a gd idea t pay children fr wrk arund the hme. These jbs are a nrmal part f family life. Paying children t d extra wrk arund the huse, hwever can be useful. It can even prvide an understanding f hw a business wrks. Allwances give children a chance t experience the things they can d with mney. They can share it in the frm f gifts r giving t a gd cause. They can spend it by buying things they want. Or they can save and maybe even invest⑤it. Saving helps children understand that cstly⑥gals require sacrifice⑦: Yu have t cut csts and plan fr the future.
Requiring children t save part f their allwances can als pen the dr t future saving and investing. Many banks ffer services t help children and teenagers learn abut persnal finance. A savings accunt is an excellent way t learn abut the pwer f cmpund interest（复利）. Interest rates（利率）n savings can be very lw these days. But cmpunding wrks by paying interest n interest. S, fr example, ne dllar invested at tw percent interest fr tw years will earn tw cents in the first year. The secnd year, the mney will earn tw percent f ne dllar and tw cents, and s n. That may nt seem like a lt. But ver time it adds up.
① allwance n.零花钱
② financial adj.金融的
③ budget n.预算
④ electrnics n.电子产品（常用复数）
⑤ invest v.投资
⑥ cstly adj.昂贵的；代价高的
⑦ sacrifice n.牺牲
知识点击
when引导定语从句，修饰先行词age
that引导定语从句
differ 依据不同而不同
in any case不管怎样
what引导宾语从句
if anything是if there is anything的省略形式
be expected t d... 被期望/被认为去做……
that引导宾语从句
within a budget在预算内
that引导宾语从句
be respnsible t d... 责任去做……
wh引导定语从句
Paying children t d extra wrk arund the huse为动名词短语作主语
they can d with mney为定语从句
in the frm f...以……的形式
a gd cause慈善事业
pen the dr t...开启……之门
add up积少成多
【译文】
零花钱如何帮助孩子了解金钱
许多孩子是在收到零花钱后才开始懂得金钱的价值的。给孩子零花钱的目的是让其在不需要为自己的财务错误付出很大代价的年龄学习经验。父母给孩子任意支配的零花钱数额因家庭而异。
另一个需要考虑的问题是多久给一次零花钱。一些孩子每周得一笔零花钱，一些孩子每月得一笔零花钱。不管怎样，家长都应明确知道孩子们准备把钱花在什么地方。
起初，年幼的孩子可能在拿到零花钱后很快将其花完。如果这样做了，他们在尝过苦头后，才能领悟必须在预算内进行开支的道理。通常建议家长们在下次给零花钱之前，不要再额外给孩子钱了。这样做的目的是让孩子们知道，预算需要在支出和储蓄之间作出选择。年龄稍大一点的孩子可能足够负责，他们会为较大的开销攒钱，像衣服或电子产品。
很多曾写过零花钱主题相关文章的人表示，付钱让孩子干家务并不是个好主意。这些工作本来就是家庭生活的一部分。然而，付钱让孩子做额外的家务则非常有用。这甚至可以帮助孩子理解商业是如何运作的。零花会去体验他们用钱可以做的事情。他们可以把零花钱以礼物或捐给慈善事业的形式与他人分享，也可以购买自己想要的东西，或者存起来，甚至可以投资。储蓄帮助孩子明白，昂贵的目标需要作出牺牲：必须削减开支，为未来作打算。
要求孩子将部分零花钱存起来还可以为他们开启未来储蓄和投资的大门。许多银行都提供服务来帮助儿童和青少年了解个人理财。（开通）一个储蓄账户是了解复利的一个很好的方式。如今，存款利率可能会很低，但是复利是连本带息计算利息的。例如，以2%的利息存入1美元，存期为两年。第一年可以获得2美分的利息。第二年，将获得1美元2美分的2%的利息，以此类推。这看上去似乎不多，但随着时间推移数额将积少成多。