A
Children’s allowance. Many children first learn the value of money by receiving an allowance(零用钱). The purpose is to let them learn from experience at an age when financial （财政的；财务的；金融的)mistakes are not very costly.
In any case, parents should make clear what the child is expected to pay for with the money. At first, young children may spend all of their allowance soon after they receive it. If so, they’ll learn the hard way that spending must be done within a budget（预算）. Parents are usually advised not to offer more money until the next allowance. It is to show them that a budget demands choices between spending and saving.
Many people who have written on the subject of allowances say it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life. Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.
Allowances give children a chance to experience what they can do with money. They can share it in the form of gifts or give it to a good cause. They can spend it by buying things they want. Or they can save it. Saving helps children understand that costly goals require sacrifice: They have to cut costs and plan for the future. Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children learn about personal finance.
1. Giving children an allowance can mostly help them ______.
A. cut their living costs
B. learn to plan for the future
C. earn a living when young
D. get some financial knowledge
2. By receiving an allowance, children can learn ______.
A. how to spend money from experience
B. when to avoid making mistakes
C. what they should do next at a young age
D. what they can do with money earned
3. What is the best title for the passage?
A. Allowance, a great way to educate children
B. Allowance, a costly burden for children
C. Give allowances to children at once
D. Develop children’s allowances
【答案】1. D 2. D 3. A
【解析】
【分析】本文是说明文。本文是关于孩子零用钱的，零用钱让孩子树立起经济意识，一些人认为因为孩子做家务而给零用钱是不好的，而且零用钱让孩子有机会知道如何处理他们的钱。
【1题详解】
细节理解题。根据文章第一段“The purpose is to let children learn from experience at an age when financial mistakes are not very costly(其目的是让孩子们在经济错误成本不太高的年龄从经验中学习)”，可知，其目的就是要他们学会如何经营金钱。故答案选D。
【2题详解】
细节理解题。根据文章第二段“ At first, young children may spend all of their allowance soon after they receive it. If so, they’ll learn the hard way that spending must be done within a budget（预算）. Parents are usually advised not to offer more money until the next allowance. (起初，小孩子可能会在收到零花钱后不久就花光了他们所有的钱。如果是这样，他们将会用艰难的方式来学习必须在预算内花费，父母通常被建议在下一次收到零花钱之前不要给更多的钱。)”可知，花完上次的父母给的钱而下次给钱的时间还没有到，在这种情况下向父母要钱的话是不好的，通过获得零用钱，孩子们可以学习如何处理他们获得的钱。故答案选D。
【3题详解】
主旨大意题。本文主要是介绍了家长固定给孩子零用钱，从而让孩子学会如何节约，如何利用这些钱；同时，让孩子懂得钱的来之不易，从而学会理财。选项C“零用钱，一个教育孩子的好方法”揭示了文章的主题。故答案选A。
