Justwhenparentsarepayingoffbillsfornewschoolclothesands...

问题详情：

Just when parents are paying off bills for new school clothes and supplies, teenagers may need more money for other necessities. All these expenses can stress the family’s budget, said a New Mexico State University consumer education specialist.

Many social activities like drama clubs that continue throughout the school year require money, said Susan Wright with NMSU’s Cooperative Extension Service. It’s sometimes difficult for teenagers to understand why parents don’t have unlimited resources.

“Parents can help avoid problems by including children in family financial discussions and giving them opportunities to assume responsibility for some of their own expenses,” she said. “This will help them move towards financial independence.”

Wright offered parents these tips to help teenagers become good financial managers:

● Consider giving teens an allowance(零花钱). Decide what expenses the allowance should cover and let teens budget to meet those needs. Giving an allowance should not mean the family spends more. It simply shifts the responsibility to teens to manage money.

● Teach teens how to shop. Talk about comparative shopping, reading labels and interpreting advertisements. Explain the importance of planning ahead to cover necessary purchases.

● Explain the family’s financial situation---income and outgo. If teens are old enough to spend your money, they should understand where it comes from and how it needs to be used. Be sure they understand the importance of setting financial goals and planning for the family’s future needs.

● Teach teens how to use and manage a checking and savings account. Go over monthly bank statements together to show them how to justify checking accounts. Help teens understand the importance of keeping good records and knowing where money goes.

“It’s important that parents help their teenagers develop sound financial management practices,” Wright said. “The best way to do that is to set a good example.  Be open and supportive and resist the temptation to make financial decisions for them. After all, it won’t be long until they will be out in the real world making decisions on their own.”

28. What should be the best title for this passage?

A. Helping Teens Manage Money

B. Helping Teens Make Money

C. Ways to Spend More Wisely

D. Ways to Live More Wealthily

29. Who are target readers of this passage?

A. Teenagers.         B. Parents.             C. Teachers.          D. Doctors.

30. Which piece of advice aims to help teens to share their parents’ responsibility?

A. The first one      B. The second one  C. The third one     D. The last one

31. According to Susan Wright, parents should _____.

A. give teens as much pocket money as possible

B. do the shopping for teens

C. make financial decisions for teens

D. help teens move toward financial independence

【回答】

ABCD

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