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There are many things we remember from o...

    There are many things we remember from our childhood—the games we played, the music we listened to, but what about earning pocket money? This was our first ever wage for completing tasks such as tidying our bedroom or sorting the laundry. Our reward was a handful of coins that we safely hid away. But now, it seems parents’ attitude to handing out cash is changing.

There was a time when cash was king—it was the main currency for financial deals. These days, though, using credit or debit cards, or making contactless payments, are the most convenient ways of paying. So where does that leave handing over pocket money? Research has found that 84% of British parents currently give notes and coins to their children— typically an allowance of £7 a week.

But banks predict that by 2028 only one in ten deals will be with cash, and that is something that today’s children will have to deal with. One particular issue is that children may not understand the value of cash because they never see it. Parents face difficult choices too— finding a new way to transfer pocket money, or maybe not bothering to pay it at all.

Giving children lessons about finance at school is important. Children should be provided with financial literacy at an early age. That is vital to ensure proper money management skills later in life, such as setting a realistic budget, responsibly managing credit and debt, saving for unexpected expenses. The UK’s Money and Pensions Service advises parents to get children started with money as young as possible. Sarah Porretta from the service told the BBC that for parents who no longer carry cash, “The trick is to go and get some cash, just so your children have the opportunity to interact with them. Talk about what you are doing with money. If you are paying with a card or with a phone, talk to children about that and link it back to those coins they have handled.”

But, of course, many of the goods that young people want to buy—such as add-ons for a computer game—only allow digital deals. This has led to a number of apps being set up that allow children to track and spend their hard-earned pocket money and parents to transfer money electronically and monitor their child’s spending. Banks also suggest setting up accounts for older children which gives them a cash card to use. But whatever method a parent chooses to adopt, they need to teach their kids that money doesn’t grow on trees!

1.What can you learn from the passage?

A.The custom of giving children pocket money is disappearing.

B.Banks predict people will pay most of the deals in cash by 2028.

C.It isn’t necessary for children to experience the course of using cash.

D.Cash-free payments are convenient ways of purchasing goods these days.

2.The underlined word “That” refers to _________.

A.digital deal

B.cash payment

C.financial literacy

D.pocket money

3.According to UK’s Money and Pensions Service’s advice, parents should _________.

A.offer chances for children to use cash

B.no longer carry cash when they go out

C.play some tricks with kids using the coins

D.play cards and make phone calls with children

4.What is the main purpose of this passage?

A.To stress the importance of paying in cash.

B.To introduce the development of pocket money.

C.To explain why the ways of payment are changing.

D.To develop children’s awareness of money management.

 

1.D 2.C 3.A 4.D 【解析】 这是一篇说明文。作者对比了过去与现在父母给孩子零用钱的方式不同了,科技化的现在,我们很少使用现金,从而可能会导致孩子对钱没有概念,不利于培养他们的理财能力。最后建议父母教给孩子理财知识并教育孩子,让他们懂得挣钱的不易。 1.细节理解题。根据第二段的These days, though, using credit or debit cards, or making contactless payments, are the most convenient ways of paying可知,现在,不用现金付款是购物的便利方式。故选D。 2.词义猜测题。根据上文的Giving children lessons about finance at school is important. Children should be provided with financial literacy at an early age.(在学校给孩子们上金融课是很重要的。应该在孩子很小的时候就对他们进行财务知识的教育。)可知,that指的是财务知识。故选C。 3.细节理解题。根据第四段来自英国货币和养老金服务的Sarah Porretta所说的“The trick is to go and get some cash, just so your children have the opportunity to interact with them. Talk about what you are doing with money. If you are paying with a card or with a phone, talk to children about that and link it back to those coins they have handled.” 可知,是建议父母为孩子提供使用现金的机会。故选A。 4.推理判断题。文章通过对比过去与现在父母给孩子零用钱的方式的不同,从而引出,科技化的现在,我们很少使用现金,从而可能会导致孩子对钱没有概念,不利于培养他们的理财能力。文章建议父母教给孩子理财知识并教育孩子,让他们懂得挣钱的不易。由此可推测出本文的目的是让父母培养孩子的理财能力。故选D。
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