Unit 8 Every Coin Counts！（任务型阅读专练）英语新教材仁爱科普版八年级下册

Unit 8 Every Coin Counts任务型阅读专练 话题：货币与理财 基础篇 01 Children need to learn how to spend money smartly. Here are some tips from Dr. Mara Harvey, a money expert. Learn to make money. Ask parents or neighbors if you can do chores to make pocket money. These could be washing a car or taking the dog for a walk. In this way, you can also improve (提高) your living skills. Help your money grow. Money can’t grow if it’s in a piggy bank. Put your money in the bank and you can get interest (利息). Years later you may feel excited to know how much money you have. Make a plan. If a holiday is coming and you need to spend more of your pocket money, try making a plan for spending and saving. Write down how much money you have and what you are spending on. Then it will help you manage your money. Spend your money wisely. Spend your money on what you need. Then try to cut down on spending. For example, instead of (而不是) eating out, you can choose to cook at home. 根据语篇内容回答问题，将答案填写在横线上。 1．How can children make pocket money according to Dr. Mara Harvey? ———————————————————————————— 2．What can you make a plan for if a holiday is coming? ———————————————————————————— 3．Why do we choose to cook at home instead of eating out? ———————————————————————————— 4．How many tips are mentioned (提到) in the article? ———————————————————————————— 5．What do you think of managing money? ———————————————————————————— 【答案】1．By doing chores. 2．Spending and saving. 3．To cut down on spending. 4．Four. 5．It’s very important/necessary/useful. 【导语】本文主要讲了专家Mara Harvey博士为孩子们提供的几条如何明智花钱的建议。 1．根据“Learn to make money. Ask parents or neighbors if you can do chores to make pocket money.”可知，孩子们可以通过做家务来赚零花钱。故填By doing chores. 2．根据“If a holiday is coming and you need to spend more of your pocket money, try making a plan for spending and saving.”可知，如果假期来临，你可以为“支出和储蓄”制定一个计划。故填Spending and saving. 3．根据“Spend your money on what you need. Then try to cut down on spending. For example, instead of eating out, you can choose to cook at home.”可知，选择在家做饭而不是外出就餐是为了“减少开支”。故填To cut down on spending. 4．通读全文，文章结构清晰，分别从“Learn to make money.”、“Help your money grow.”、“Make a plan.”、“Spend your money wisely.”四个部分给出了建议。故提到四条建议。故填Four. 5．此题为开放性试题，要求谈谈对“理财”的看法。答案合理即可。故填It’s very important/necessary/useful. 02 What do you do with your money? Let’s see how Cindy and Li Yu manage their money. Cindy, aged 16, Australia In the past, I spent most of my money on clothes, snacks and phones. I ran out of money very quickly and couldn’t buy anything else. I’m always interested in China. My parents have agreed to take me to China this summer, but I’ll have to pay for my own air tickets. How exciting! So I’m starting to save money. I also work at a supermarket. Every Tuesday and Thursday after school, I work as a cashier (收银员) for two hours. I’ll work harder and make more money. I can make my dream come true. Li Yu, aged 15, China Usually, I do some housework to make pocket money. My parents tell me to manage my money well. I spend some of my money on books, snacks and school things. I save the rest in the bank for special things. This year, I want to buy my mother a silk scarf for her 40th birthday. Luckily, I have enough money for it. 根据语篇内容回答问题，将答案填写在横线上。 1．What is Cindy saving money for? ———————————————————————————— 2．How long does Cindy work every week? ———————————————————————————— 3．How does Li Yu usually make pocket money? ———————————————————————————— 4．Does Li Yu have enough money to buy a scarf for her mother? Why? ———————————————————————————— 5．What can you learn from the stories of Cindy and Li Yu? ———————————————————————————— 【答案】 1. Her air tickets. 2. For four hours. 3. By doing some housework./She does some housework to make pocket money. 4. Yes, she does. Because she saves some of her pocket money in the bank for special things. 5. We should make money through hard work./It’s important to have a habit of saving money./We should make a budget for our money.（答案合理即可） 【导语】本文主要讲述了来自不同国家的两位青少年管理钱财的方式。 1. 根据原文中“My parents have agreed to take me to China this summer, but I’ll have to pay for my own air tickets.”可知，辛迪存钱是为了支付自己去中国的机票钱。 2. 根据原文中“Every Tuesday and Thursday after school, I work as a cashier for two hours.”可知，辛迪每周工作两天：周二和周四，每天工作2小时，因此每周工作总时长为4小时。 3. 根据原文中“Usually, I do some housework to make pocket money.”可知，李玉通常通过做家务来赚取零花钱。 4. 根据原文中“I save the rest in the bank for special things. This year, I want to buy my mother a silk scarf for her 40th birthday. Luckily, I have enough money for it.”可知，李玉有足够的钱为母亲买围巾，因为她把一部分钱存起来用于特殊用途。 5. 本题为开放性试题，答案不唯一，合理即可。从辛迪和李玉的故事中，我们可以学到他们通过工作或做家务来赚钱，并有计划地存钱以实现目标，这体现了财务管理和为目标努力的重要性。 03 At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．What is a great way to understand that money is not easy to make? ———————————————————————————— 2．What do we need to think about when making a budget? ———————————————————————————— 3．How can we watch our money grow when saving for a new bicycle? ———————————————————————————— 4．Do you have good spending habits? How can we form good spending habits? (Please give two ways.) ——————————————————————————— 【答案】 1．Going to parents’ workplaces to watch how they work. 2．We need to think about how much money we have and what we really want to spend it on. 3．We can write down how much money we have in a notebook and watch it grow. 4．Yes, I do. We can make a budget and track savings. 【导语】本文主要介绍了如何帮助我们养成良好的消费习惯。 1．根据第二段“Going to their workplaces to watch how they work is a great way to understand money is not that easy to make.”可知，去父母工作场所观察他们如何工作是理解赚钱不易的好方法。故填Going to parents’ workplaces to watch how they work。 2．根据第三段“We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on.”可知，制定预算需要思考两点：我们有多少钱，以及真正想买什么。故填We need to think about how much money we have and what we really want to spend it on. 3．根据第四段“If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow.”可知，当我们存钱买自行车时，我们可以把我们的钱数记在一个笔记本上，看着它增长。故填We can write down how much money we have in a notebook and watch it grow. 4．开放性试题，言之有理即可。参考答案为Yes, I do. We can make a budget and track savings.At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned how to save or spend money well. The following life lessons about money can help us form good spending habits. 04 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? ———————————————————————————— 2．According to the passage, where does money come from? ———————————————————————————— 3．What should we do if our pocket money can’t cover everything we want? ———————————————————————————— 4．What will greatly satisfy us according to Paragraph 4? ———————————————————————————— 5．What do you think of money? (请用完整的一句话回答。) ———————————————————————————— 【答案】 1．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．Money comes from parents’ hard work. /From parents’ hard work. 3．We should make smart spending choices. 4．Reaching our goal will greatly satisfy us. 5．I think that money is very important/useful/... for me. 【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。 1．根据“At an early age, we start learning how to manage money by watching our parents’ spending habits.”可知，我们是通过观察父母的消费习惯开始学习管理金钱的。故填We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．根据“We need to know that our parents work hard to make money”可知，金钱来源于父母的辛勤工作。故填Money comes from parents’ hard work. /From parents’ hard work. 3．根据“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”可知，意识到零花钱无法满足所有需求时，我们应该做出明智的消费选择。故填We should make smart spending choices. 4．根据“Reaching our goal will greatly satisfy us.”可知，实现目标会让我们非常满足。故填Reaching our goal will greatly satisfy us. 5．开放性试题，言之有理即可，参考答案：I think that money is very important/useful/... for me. 培优篇 05 It’s fun to buy a huge ice cream or to go shopping with friends, but saving money can be even more exciting, because it creates chances and opens the door to all kinds of adventures. The key to saving successfully is setting a goal (目标). Get a pen and paper, and write down how much you can save each week and how soon you will reach your goal. Some weeks later, you might decide to save a little more than you planned so that you can reach your goals even faster. To avoid accidentally spending your savings, just keep them separate from the rest of your money. For example, you could do this by using a money box or a savings account (账户). When you save your money in a savings account, you can get interest (利息). This is the money paid to you by a bank when you keep money in an account there, and the longer you leave your money in a savings account, the more interest you can get. If you’re new to saving, start off by thinking of some fun goals, like taking a holiday or going to a concert. Every penny you save brings you one step closer to reaching your goal—and what could be more exciting than that? 根据语篇内容回答问题，将答案填写在横线上。 1．What is the key to saving successfully? ———————————————————————————— 2．How could you avoid accidentally spending your savings? ———————————————————————————— 3．What can you get when you save your money in a savings account? ———————————————————————————— 4．How do you deal with your pocket money? Write 30 words or more. ———————————————————————————— 【答案】 1．Setting a goal. 2．By keeping them separate from the rest of your money (using a money box or a savings account). 3．Interest. 4．I usually divide my pocket money into three parts: one part for daily expenses like snacks, one part for saving in a bank for future goals, and one part for donating to charity or buying small gifts for my family. 【导语】本文阐述了储蓄的乐趣和重要性，并提供了成功储蓄的关键步骤：设定目标、将储蓄与其他钱分开存放、利用储蓄账户获取利息，并建议以有趣的目标开始储蓄之旅。 1．根据文章第2段第一句“The key to saving successfully is setting a goal.”可知，成功储蓄的关键是设定一个目标。故填Setting a goal. 2．根据文章第3段“To avoid accidentally spending your savings, just keep them separate from the rest of your money. For example, you could do this by using a money box or a savings account.”可知，为了避免意外花掉储蓄，你可以通过将储蓄与其他钱分开存放来实现，例如使用储蓄罐或储蓄账户。故填By keeping them separate from the rest of your money (using a money box or a savings account). 3．根据文章第4段第一句“When you save your money in a savings account, you can get interest.”可知，将钱存入储蓄账户可以获得利息。故填Interest. 4．本题为开放性问答，要求描述你如何处理自己的零花钱，字数不少于30词。答案需具体、有条理，体现合理的规划。示例描述了将零花钱分为日常开销、储蓄实现目标和慈善/家庭礼物三部分。故填I usually divide my pocket money into three parts: one part for daily expenses like snacks, one part for saving in a bank for future goals, and one part for donating to charity or buying small gifts for my family. 06 Long ago, people lived off wild animals, fruits and other plants and they didn’t need to use money. As time passed, people had more products than they needed, such as animals and crops, so they wanted to trade with others. They began to use money to make it convenient. However, it was not like the money we use today. They used shells, rice, salt or large stones. During the 600s BC, people began using coins as money. Because they were easier to carry than goods. And countries began to make coins as their money. The Chinese were the first to use paper money, as early as the 11th century. An Italian traveller, Marco Polo, saw the Chinese use paper money when he visited China in the 1200s. After his travel, he told the western people what he saw. But European countries started using paper money six centuries later than China. Today we have many ways to pay for things. We can use coins, paper money, cards and mobile phones. Some prefer to pay by mobile phone. That’s because paying with a mobile phone is easier and safer than carrying a lot of “real” money. 根据语篇内容回答问题，将答案填写在横线上。 1．Why did people want to trade products with others as time passed? ———————————————————————————— 2．What did people begin using as money during the 600s BC? ———————————————————————————— 3．What country was the first to use paper money? ———————————————————————————— 4．When did European countries start using paper money? ———————————————————————————— 5．Do you like paying by mobile phone? Why or why not? ———————————————————————————— 【答案】 1．Because they had more products than they needed. 2．Coins./They began using coins as money. 3．China./China was the first to use paper money. 4．Six centuries later than China./In the 17th century./They started using paper money six centuries later than China/in the 17th century. 5．Yes, I do. Because paying with a mobile phone (by mobile phone) is easier and safer. 【导语】本文主要介绍了货币的发展史。 1．根据第一段中的“As time passed, people had more products than they needed, such as animals and crops, so they wanted to trade with others.”可知，随着时间的推移，人们拥有的产品比他们需要的多，比如动物和农作物，所以他们想与他人进行贸易。故填Because they had more products than they needed. 2．根据第二段中的“During the 600s BC, people began using coins as money.”可知，公元前600年，人们开始使用硬币作为货币。故填Coins./They began using coins as money. 3．根据第三段中的“The Chinese were the first to use paper money”可知，中国人最早使用纸币。故填China./China was the first to use paper money. 4．根据第三段中的“The Chinese were the first to use paper money, as early as the 11th century.”以及“But European countries started using paper money six centuries later than China.”可知，早在11世纪，中国人就率先使用纸币，欧洲国家使用纸币的时间比中国晚了六个世纪，即17世纪。故填Six centuries later than China./In the 17th century./They started using paper money six centuries later than China/in the 17th century. 5．开放性试题，言之有理即可，参考答案为Yes, I do. Because paying with a mobile phone (by mobile phone) is easier and safer. 07 Children love the Spring Festival because they can get gift money. But how do the children spend the gift money? Let’s see.Song Qian, 14 In my family, I can decide how to use my gift money myself. I got 3,600 yuan last year. I used the money to buy some books and school things. The money was also useful for my after-class activities.Zhang Ping, 13 During Spring Festival, I got over 2,000 yuan. I can decide how to spend the money. I chose to put all of it in the bank. I hope to use it if I have a chance to study in other countries in the future. I know studying in other countries is expensive.Li Lei, 12 The money I got last year was over 1,000 yuan. It was really hard for my parents to make money and they also gave gift money to my cousins, so I gave most of my gift money to my parents. Of course, I still had some money for myself. I bought something I needed and some gifts for my parents on their birthdays.Li Ai, 14 I can use part of my gift money. This year, my parents helped me to save 1,800 yuan in the bank and left 1,000 yuan for me. I spent 465 yuan on 8 books and I also bought Taylor Swift’s new vinyl record (黑胶唱片) of Midnights in October for 337 yuan because she is one of my favorite singers. 根据语篇内容回答问题，将答案填写在横线上。 1．Will Zhang Ping use the gift money to study in other countries? ———————————————————————————— 2．Who got the most gift money? ———————————————————————————— 3．What does Li Ai like doing in her free time? ———————————————————————————— 4． Who do you think uses the gift money most reasonably (合理地)? Why? ———————————————————————————— 【答案】 1．Yes./Yes, she will. 2．Song Qian. 3．Li Ai likes reading books and listening to music. 4．Li Ai. Because one part of her pocket money is saved in the bank and the other part is used for her hobbies. 【导语】本文是一篇应用文，主要介绍了孩子们是如何使用压岁钱的。 1．根据文中“I hope to use it if I have a chance to study in other countries in the future.”可知，如果将来有机会去其他国家学习，希望能使用它。故填Yes./Yes, she will. 2．根据文中“Song Qian: I got 3,600 yuan last year.”、“Zhang Ping: I got over 2,000 yuan”、“Li Lei: The money I got last year was over 1,000 yuan”和“Li Ai: This year, my parents helped me to save 1,800 yuan in the bank and left 1,000 yuan for me.”可知，宋倩得到的压岁钱最多。故填Song Qian. 3．根据文中“I spent 465 yuan on 8 books and I also bought Taylor Swift’s new vinyl record of Midnights in October for 337 yuan because she is one of my favorite singers.”可知，她花了465元买了8本书，还花了337元买了泰勒·斯威夫特的新黑胶唱片，由此可知她喜欢读书和听音乐。故填Li Ai likes reading books and listening to music. 4．开放性作答，结合实际，言之有理即可。参考答案为Li Ai. Because one part of her pocket money is saved in the bank and the other part is used for her hobbies. 08 Money makes the world go around, yet the best things in life are free. A penny saved is a penny earned, but you get what you pay for. You probably have your own ideas about spending money. Now is a great time to learn how to spend money wisely. When you are considering buying something you want, run through this checklist first. How much do you really want it? Seeing a $25 gum ball (口香糖球) machine, Ben wanted it. But after thinking about it, he decided that it would be exciting only for a day or two. “Besides, it’s not possible for me to chew that much gum,” he said wisely. Do you still want it a week later? If the thing passes the “really wanting-it” test, try to wait for some time to see how strong the desire (欲望) is. This strategy works for grown-ups, too! How will you pay for it? After the first two steps, Ben found he really wanted a toy pirate ship (海盗船), but it cost $50. He had $22 in his pocket and gets $1.50 a week to spend. His mother helped him work out how many weeks he would need to save to get the ship: 19. Are there ways to earn the money? Ben agreed to wash the downstairs windows at a dollar each. So he got $10 for himself and sparkling (闪亮的) sunlight for the rest of the family. Can you get it cheaper? After deciding to buy it, it is necessary for you to look for less expensive ways to buy it: search for what you want on the internet or in shops and flea markets (跳蚤市场). Sometimes you can find the same thing at a much lower price. If these suggestions work well, they can save you a lot of money. You will be a really smart shopper. Answer the following questions according to the passage above.  (根据上面的短文内容，回答下列问题。) 根据语篇内容回答问题，将答案填写在横线上。 1．Did Ben finally buy the gum ball machine? Why or why not? ———————————————————————————— 2．Why did Ben agree to wash the downstairs windows? ———————————————————————————— 3．Where can you search for what you want if you want to buy something? ———————————————————————————— 4．What is the passage mainly talk about? ———————————————————————————— 【答案】 1．No, he didn’t. Because he thought that it would be exciting only for a day or two and it’s not possible for him to chew that much gum. 2．He wanted to make money. 3．On the internet or in shops and flea markets. 4．It is mainly about how to spend money wisely. 【导语】本文通过Ben的故事告诉我们如何更明智合理的花钱。 1．根据“But after thinking about it, he decided that it would be exciting only for a day or two. ‘Besides, it’s not possible for me to chew that much gum,’ he said wisely.”可知他认为它只会让人兴奋一两天，而且他不可能嚼那么多口香糖，所以他最终没有买。故填No, he didn’t. Because he thought that it would be exciting only for a day or two and it’s not possible for him to chew that much gum. 2．根据“Ben agreed to wash the downstairs windows at a dollar each”可知他同意擦楼下的窗户，因为他想挣钱。故填He wanted to make money. 3．根据“search for what you want on the internet or in shops and flea markets”可知在互联网上或商店和跳蚤市场上搜索你想要的东西。故填On the internet or in shops and flea markets. 4．本文通过Ben的故事告诉我们如何更明智合理的花钱。故填It is mainly about how to spend money wisely. 09 How much pocket money do you get from your parents every month? What do you often do with your money? We asked three British middle school students for their opinions on pocket money. Ruth Sawyers: I get 5 pounds every week from my parents. I usually save 1.5 pounds and spend the rest. The two things I usually like to buy with my pocket money are story books and Lego Blocks (乐高). I don’t really think about getting more pocket money. And I even don’t talk about pocket money with my friends at school. If some people’s parents give them too much pocket money, other children might get jealous (嫉妒). It’s important not to show off what you’ve got. Maya Varsani: I get 6 pounds from my mum and 8 pounds from my dad every month. I try to save and buy presents for my family. Last year, I bought my mum a lipstick (口红) for Mother’s Day, which cost 9.5 pounds. Jimmy Segalow: My mum gives me 10 pounds a week. She says I can either spend it in the school canteen (餐厅) or she will make me a packed lunch, then I can spend the 10 pounds on whatever I want. I like Nike trainers. If they cost 50 pounds and I only have 40 pounds, my mum might give me an extra (额外的) 10 pounds. But I have to do some housework instead. I know that some parents can’t afford to give their children much pocket money. So I try not to talk about my pocket money at school. 根据语篇内容回答问题，将答案填写在横线上。 1．How much pocket money does Ruth Sawyers spend every week? ———————————————————————————— 2．What does Maya Varsani usually do with her pocket money? ———————————————————————————— 3．What should Jimmy Segalow do to get the extra money? ———————————————————————————— 4．What do Segalow and Sawyers have in common? ———————————————————————————— 5．Do you think parents should give their children pocket money? Why? ———————————————————————————— 【答案】 1．3.5 pounds. 2．Maya Varsani usually saves and buys presents for family. 3．Jimmy Segalow should do some housework. 4．They don’t talk about pocket money at school. 5．I think parents should give their children pocket money, because it can develop children’s abilities of managing money. 【导语】本文介绍了学生对零花钱的看法。 1．根据“I get 5 pounds every week from my parents. I usually save 1.5 pounds and spend the rest.”可知会花掉3.5英镑。故填3.5 pounds. 2．根据“I try to save and buy presents for my family.”可知是存起来为家人买礼物。故填Maya Varsani usually saves and buys presents for family. 3．根据“my mum might give me an extra (额外的) 10 pounds. But I have to do some housework instead”可知需要做家务，故填Jimmy Segalow should do some housework. 4．根据“If some people’s parents give them too much pocket money, other children might get jealous (嫉妒). It’s important not to show off what you’ve got.”以及“I know that some parents can’t afford to give their children much pocket money. So I try not to talk about my pocket money at school.”可知两人的共同点是不会在学校谈论自己的零花钱，故填They don’t talk about pocket money at school. 5．答案合理即可。故填I think parents should give their children pocket money, because it can develop children’s abilities of managing money. 10 I am Peter. My elder brother is Hywel. Last year, our dad gave us $300 each, “Well, it’s not your pocket money,” he said. “Don’t spend it on sweets or anything like that. You should try to make more money with that $300. And before you have the money, you should tell me and your mom what you’re going to do with it.” Hywel moved first with a good idea. He bought some drones (无人机) and resold them online. He invested (投资) the full $300. Within six months, he made a profit (利润) of $260—that’s a lot of money. “I also spent some of my profit,” Hywel admitted (承认), smiling from ear to ear. “I like both investing and spending! I bought clothes and stuff for myself!” What should I do? I thought it would be a good idea to follow the example of a winner. I first invested $100 of my money in my brother’s drone business. Of course, he could keep a small part of my profit. “But I’m best at money,” I remembered telling my dad. Therefore, I made plans to invest the rest in currencies (货币). I’m not going to tell you any more, because how I made money is a top secret. Dad has been teaching us important financial lessons ever since. He always tells us, “it’s really important to learn how to manage your money, or your money ends up managing you.” But it’s not something that we can learn at school. The news says that a quarter of young people in the U. K. leave secondary school (at around 16) without basic financial knowledge. I think we need to change that. 根据语篇内容回答问题，将答案填写在横线上。 1．Did Peter and Hywel’s dad give them $300 each last year? ———————————————————————————— 2．How much profit did Hywel make in six months? ———————————————————————————— 3．What does the writer’s father want his children to learn? ———————————————————————————— 4．If you were given (被给予) $300, how would you use it to make more money? Please explain your plan (about 30 words). ———————————————————————————— 【答案】 1．Yes./Yes, he did. 2．$260. 3．How to manage money. 4．I would buy popular books and resell them online, or invest in small handmade crafts to sell at school. This way, I can grow the money while learning business skills. 【导语】本文是一篇记叙文，讲述了Peter和Hywel兄弟俩如何利用父亲给的300美元进行投资和理财的故事。 1．根据“Last year, our dad gave us $300 each...”可知，父亲去年确实给了他们每人300美元，应作肯定回答。故填Yes./Yes, he did. 2．根据“Within six months, he made a profit (利润) of $260...”可知，Hywel在六个月内赚取了260美元的利润。故填$260. 3．根据“He always tells us, ‘it’s really important to learn how to manage your money...’”可知，父亲希望孩子们学会如何管理金钱。故填How to manage money. 4．开放性作答，言之有理即可。参考答案为I would buy popular books and resell them online, or invest in small handmade crafts to sell at school. This way, I can grow the money while learning business skills. 1 / 13 学科网（北京）股份有限公司 $ Unit 8 Every Coin Counts（任务型阅读专练 话题：货币与理财 基础篇 01 Children need to learn how to spend money smartly. Here are some tips from Dr. Mara Harvey, a money expert. Learn to make money. Ask parents or neighbors if you can do chores to make pocket money. These could be washing a car or taking the dog for a walk. In this way, you can also improve (提高) your living skills. Help your money grow. Money can’t grow if it’s in a piggy bank. Put your money in the bank and you can get interest (利息). Years later you may feel excited to know how much money you have. Make a plan. If a holiday is coming and you need to spend more of your pocket money, try making a plan for spending and saving. Write down how much money you have and what you are spending on. Then it will help you manage your money. Spend your money wisely. Spend your money on what you need. Then try to cut down on spending. For example, instead of (而不是) eating out, you can choose to cook at home. 根据语篇内容回答问题，将答案填写在横线上。 1．How can children make pocket money according to Dr. Mara Harvey? ———————————————————————————— 2．What can you make a plan for if a holiday is coming? ———————————————————————————— 3．Why do we choose to cook at home instead of eating out? ———————————————————————————— 4．How many tips are mentioned (提到) in the article? ———————————————————————————— 5．What do you think of managing money? ———————————————————————————— 02 What do you do with your money? Let’s see how Cindy and Li Yu manage their money. Cindy, aged 16, Australia In the past, I spent most of my money on clothes, snacks and phones. I ran out of money very quickly and couldn’t buy anything else. I’m always interested in China. My parents have agreed to take me to China this summer, but I’ll have to pay for my own air tickets. How exciting! So I’m starting to save money. I also work at a supermarket. Every Tuesday and Thursday after school, I work as a cashier (收银员) for two hours. I’ll work harder and make more money. I can make my dream come true. Li Yu, aged 15, China Usually, I do some housework to make pocket money. My parents tell me to manage my money well. I spend some of my money on books, snacks and school things. I save the rest in the bank for special things. This year, I want to buy my mother a silk scarf for her 40th birthday. Luckily, I have enough money for it. 根据语篇内容回答问题，将答案填写在横线上。 1．What is Cindy saving money for? ———————————————————————————— 2．How long does Cindy work every week? ———————————————————————————— 3．How does Li Yu usually make pocket money? ———————————————————————————— 4．Does Li Yu have enough money to buy a scarf for her mother? Why? ———————————————————————————— 5．What can you learn from the stories of Cindy and Li Yu? ———————————————————————————— 03 At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．What is a great way to understand that money is not easy to make? ———————————————————————————— 2．What do we need to think about when making a budget? ———————————————————————————— 3．How can we watch our money grow when saving for a new bicycle? ———————————————————————————— 4．Do you have good spending habits? How can we form good spending habits? (Please give two ways.) ——————————————————————————— 04 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? ———————————————————————————— 2．According to the passage, where does money come from? ———————————————————————————— 3．What should we do if our pocket money can’t cover everything we want? ———————————————————————————— 4．What will greatly satisfy us according to Paragraph 4? ———————————————————————————— 5．What do you think of money? (请用完整的一句话回答。) ———————————————————————————— 培优篇 05 It’s fun to buy a huge ice cream or to go shopping with friends, but saving money can be even more exciting, because it creates chances and opens the door to all kinds of adventures. The key to saving successfully is setting a goal (目标). Get a pen and paper, and write down how much you can save each week and how soon you will reach your goal. Some weeks later, you might decide to save a little more than you planned so that you can reach your goals even faster. To avoid accidentally spending your savings, just keep them separate from the rest of your money. For example, you could do this by using a money box or a savings account (账户). When you save your money in a savings account, you can get interest (利息). This is the money paid to you by a bank when you keep money in an account there, and the longer you leave your money in a savings account, the more interest you can get. If you’re new to saving, start off by thinking of some fun goals, like taking a holiday or going to a concert. Every penny you save brings you one step closer to reaching your goal—and what could be more exciting than that? 根据语篇内容回答问题，将答案填写在横线上。 1．What is the key to saving successfully? ———————————————————————————— 2．How could you avoid accidentally spending your savings? ———————————————————————————— 3．What can you get when you save your money in a savings account? ———————————————————————————— 4．How do you deal with your pocket money? Write 30 words or more. ———————————————————————————— 06 Long ago, people lived off wild animals, fruits and other plants and they didn’t need to use money. As time passed, people had more products than they needed, such as animals and crops, so they wanted to trade with others. They began to use money to make it convenient. However, it was not like the money we use today. They used shells, rice, salt or large stones. During the 600s BC, people began using coins as money. Because they were easier to carry than goods. And countries began to make coins as their money. The Chinese were the first to use paper money, as early as the 11th century. An Italian traveller, Marco Polo, saw the Chinese use paper money when he visited China in the 1200s. After his travel, he told the western people what he saw. But European countries started using paper money six centuries later than China. Today we have many ways to pay for things. We can use coins, paper money, cards and mobile phones. Some prefer to pay by mobile phone. That’s because paying with a mobile phone is easier and safer than carrying a lot of “real” money. 根据语篇内容回答问题，将答案填写在横线上。 1．Why did people want to trade products with others as time passed? ———————————————————————————— 2．What did people begin using as money during the 600s BC? ———————————————————————————— 3．What country was the first to use paper money? ———————————————————————————— 4．When did European countries start using paper money? ———————————————————————————— 5．Do you like paying by mobile phone? Why or why not? ———————————————————————————— 07 Children love the Spring Festival because they can get gift money. But how do the children spend the gift money? Let’s see.Song Qian, 14 In my family, I can decide how to use my gift money myself. I got 3,600 yuan last year. I used the money to buy some books and school things. The money was also useful for my after-class activities.Zhang Ping, 13 During Spring Festival, I got over 2,000 yuan. I can decide how to spend the money. I chose to put all of it in the bank. I hope to use it if I have a chance to study in other countries in the future. I know studying in other countries is expensive.Li Lei, 12 The money I got last year was over 1,000 yuan. It was really hard for my parents to make money and they also gave gift money to my cousins, so I gave most of my gift money to my parents. Of course, I still had some money for myself. I bought something I needed and some gifts for my parents on their birthdays.Li Ai, 14 I can use part of my gift money. This year, my parents helped me to save 1,800 yuan in the bank and left 1,000 yuan for me. I spent 465 yuan on 8 books and I also bought Taylor Swift’s new vinyl record (黑胶唱片) of Midnights in October for 337 yuan because she is one of my favorite singers. 根据语篇内容回答问题，将答案填写在横线上。 1．Will Zhang Ping use the gift money to study in other countries? ———————————————————————————— 2．Who got the most gift money? ———————————————————————————— 3．What does Li Ai like doing in her free time? ———————————————————————————— 4． Who do you think uses the gift money most reasonably (合理地)? Why? ———————————————————————————— 08 Money makes the world go around, yet the best things in life are free. A penny saved is a penny earned, but you get what you pay for. You probably have your own ideas about spending money. Now is a great time to learn how to spend money wisely. When you are considering buying something you want, run through this checklist first. How much do you really want it? Seeing a $25 gum ball (口香糖球) machine, Ben wanted it. But after thinking about it, he decided that it would be exciting only for a day or two. “Besides, it’s not possible for me to chew that much gum,” he said wisely. Do you still want it a week later? If the thing passes the “really wanting-it” test, try to wait for some time to see how strong the desire (欲望) is. This strategy works for grown-ups, too! How will you pay for it? After the first two steps, Ben found he really wanted a toy pirate ship (海盗船), but it cost $50. He had $22 in his pocket and gets $1.50 a week to spend. His mother helped him work out how many weeks he would need to save to get the ship: 19. Are there ways to earn the money? Ben agreed to wash the downstairs windows at a dollar each. So he got $10 for himself and sparkling (闪亮的) sunlight for the rest of the family. Can you get it cheaper? After deciding to buy it, it is necessary for you to look for less expensive ways to buy it: search for what you want on the internet or in shops and flea markets (跳蚤市场). Sometimes you can find the same thing at a much lower price. If these suggestions work well, they can save you a lot of money. You will be a really smart shopper. Answer the following questions according to the passage above.  (根据上面的短文内容，回答下列问题。) 根据语篇内容回答问题，将答案填写在横线上。 1．Did Ben finally buy the gum ball machine? Why or why not? ———————————————————————————— 2．Why did Ben agree to wash the downstairs windows? ———————————————————————————— 3．Where can you search for what you want if you want to buy something? ———————————————————————————— 4．What is the passage mainly talk about? ———————————————————————————— 09 How much pocket money do you get from your parents every month? What do you often do with your money? We asked three British middle school students for their opinions on pocket money. Ruth Sawyers: I get 5 pounds every week from my parents. I usually save 1.5 pounds and spend the rest. The two things I usually like to buy with my pocket money are story books and Lego Blocks (乐高). I don’t really think about getting more pocket money. And I even don’t talk about pocket money with my friends at school. If some people’s parents give them too much pocket money, other children might get jealous (嫉妒). It’s important not to show off what you’ve got. Maya Varsani: I get 6 pounds from my mum and 8 pounds from my dad every month. I try to save and buy presents for my family. Last year, I bought my mum a lipstick (口红) for Mother’s Day, which cost 9.5 pounds. Jimmy Segalow: My mum gives me 10 pounds a week. She says I can either spend it in the school canteen (餐厅) or she will make me a packed lunch, then I can spend the 10 pounds on whatever I want. I like Nike trainers. If they cost 50 pounds and I only have 40 pounds, my mum might give me an extra (额外的) 10 pounds. But I have to do some housework instead. I know that some parents can’t afford to give their children much pocket money. So I try not to talk about my pocket money at school. 根据语篇内容回答问题，将答案填写在横线上。 1．How much pocket money does Ruth Sawyers spend every week? ———————————————————————————— 2．What does Maya Varsani usually do with her pocket money? ———————————————————————————— 3．What should Jimmy Segalow do to get the extra money? ———————————————————————————— 4．What do Segalow and Sawyers have in common? ———————————————————————————— 5．Do you think parents should give their children pocket money? Why? ———————————————————————————— 10 I am Peter. My elder brother is Hywel. Last year, our dad gave us $300 each, “Well, it’s not your pocket money,” he said. “Don’t spend it on sweets or anything like that. You should try to make more money with that $300. And before you have the money, you should tell me and your mom what you’re going to do with it.” Hywel moved first with a good idea. He bought some drones (无人机) and resold them online. He invested (投资) the full $300. Within six months, he made a profit (利润) of $260—that’s a lot of money. “I also spent some of my profit,” Hywel admitted (承认), smiling from ear to ear. “I like both investing and spending! I bought clothes and stuff for myself!” What should I do? I thought it would be a good idea to follow the example of a winner. I first invested $100 of my money in my brother’s drone business. Of course, he could keep a small part of my profit. “But I’m best at money,” I remembered telling my dad. Therefore, I made plans to invest the rest in currencies (货币). I’m not going to tell you any more, because how I made money is a top secret. Dad has been teaching us important financial lessons ever since. He always tells us, “it’s really important to learn how to manage your money, or your money ends up managing you.” But it’s not something that we can learn at school. The news says that a quarter of young people in the U. K. leave secondary school (at around 16) without basic financial knowledge. I think we need to change that. 根据语篇内容回答问题，将答案填写在横线上。 1．Did Peter and Hywel’s dad give them $300 each last year? ———————————————————————————— 2．How much profit did Hywel make in six months? ———————————————————————————— 3．What does the writer’s father want his children to learn? ———————————————————————————— 4．If you were given (被给予) $300, how would you use it to make more money? Please explain your plan (about 30 words). ———————————————————————————— 1 / 13 学科网（北京）股份有限公司 $