In 2009 a group of parents in Lymington started sharing worries about their children's money-management skills. Pocket money was now stored in a building society rather than a piggy bank (储蓄罐); household shopping was done online; the children rarely saw their parents handling cash. They were spending online, too. Money had become intangible. How, then, were children to learn its value?

The answer they came up with was GoHenry, an app now available in America as well as Britain. It is designed to help young people learn good spending habits through real-world money activities. Parents sign up with their own bank accounts and pay a monthly fee of £2.99 or $3.99 for each child aged six or over. Adults and children download separate versions. Parents can schedule pocket money and set chores. When those are marked as done, the child is paid the agreed amount. Parents can see what the child has bought and where. And they can choose where the card can be used: in shops, online or at ATMs.

Children get cards printed with their name. They can put money in savings pots, view their spending and balances, and set savings targets. "They could decide to save ten dollars for a friend's birthday in four weeks' time, or set a goal at 12 to have $2,000 to buy a car at age 18," says Dean Brauer, one of GoHenry's founders. "The app tells them how much to save each week to meet their goal."

A big benefit of such apps is that they inspire family conversations about money. According to the latest research, more than half of British parents find the subject hard to discuss with their children. And yet most agree that children's attitudes to money are formed in their early years.

Some GoHenry customers are wealthy parents who worry that their children will grow up with little knowledge of money. Others have slim incomes but regard the app as a preparation for their child's future. Some say that they have been in debt and want their children to avoid that mistake when they grow up; others that the app is cost-effective because their children learn to plan spending. Even though young people no longer touch and hold money, they can still be taught to handle it well.

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Who's your best friend? 

Did you have a story to remember with him/her? 

How important is friendship to you? 

Something more about the topic. 

注意：文中不得透露个人真实信息：篇幅80词左右；标题已给出，不计入总词数。

My Best Friend And I

Rock climbing（攀岩） did not become a sport until late in the 1900s. But now it has become a popular outdoor activity. While rock climbing may still be necessary for mountain climbing，most people just climb low mountains for fun. 

If you have ever done rock climbing，you will know that it is not a very easy sport. Indoor and outdoor rock climbing both need practice. What most people don't know is that rock climbing is one of the sports that depend on your body and mind（意志）. 

To climb successfully，one must use wonderful skills. One of the important rules is to always have three parts of your body on the rock face. Another important rule is that your arms only hold you close to the rock face while your legs are pushing you up，the closer you are to the rock face，the easier it is to climb. 

Rock climbing is a wonderful sport. Once you start to learn how to climb，you'll find more fun. People who like games such as chess playing or problem—solving may love rock climbing，because they are nearly the same in the way of thinking. For anyone who wants to get into beautiful shape，rock climbing is a fun and good way. Anyone who enjoys a difficult game and loves the outdoors should think of taking rock climbing as a new hobby.