A horse fair is an interesting place. There were young horses from the country, little Welsh ponies and many beautiful horses too. But there were also a lot of poor, thin horses, tired from hard work. I was very sad to see them.

    At the horse fair there was a man with a gentle voice and kind grey eyes. He offered 23 pounds for me, but they refused. Then a man with a very loud voice came. I was afraid he was going to buy me, but he walked off. Then the grey-eyed man came back again and said:

    "I'll give 24 for him."

    "Done," said the salesman. "He's a quality horse and if you want him for cab (出租马车) work, he's a bargain."

Half an hour later we set off for London, along country roads, until we came to that great city. There were streets to the right, and streets to the left. We went into one of the small streets, and then into a very narrow street, with small, old houses.

    My owner stopped at a house. The door opened, and a woman, a little girl and boy, came out.

    "Is he gentle, father?"

    "Yes, Dolly, as gentle as a kitten; you can pat him."

    Dolly, the little girl, patted my shoulder without fear. It felt so good! They led me into a comfortable, clean stable, and after a delicious meal I lay down to sleep, thinking "I'm going to very happy here".

    My new owner's name was Jerry. His wife was called Polly and they had two children, Harry and Dolly. The next morning they came to see me. I loved it when they patted me and spoke in gentle voices.

    "Let's call him 'Jack', after the old horse, shall we, Harry?" said Dolly.

    "Yes, let's," said Harry.

    The first week of my life as Jack, the London cab horse was very hard. The noise and the people and the traffic on the streets scared me. But Jerry was a very good driver, and that helped a lot Jerry soon found that I was ready to work hard and do my best, and he didn't whip (鞭打) me.

    He kept us very clean, and gave us as much food as we wanted. But the best thing was that we had Sundays off.

    The cold wind blew strongly outside. Amaya was warm in her house, thinking about an article she'd read at school. The article was about kids who helped out their communities, and she thought it would be really cool to help her own town, Harvard.

    The only problem was that she wasn't sure how to help. In the article, the kids had grown food for people who needed food, but it was winter. She couldn't start a garden. Amaya was deep in thought when her mom said it was time to go shopping.

    As they drove along the road, Amaya saw a family walking on the sidewalk(人 行 道), wearing only light jackets. How could they must be! That gave her an idea! She could collect winter coats, hats and gloves for people who needed them.

    She shared her idea with her mom, who thought it was great. But how would they spread the idea to get plenty of winter clothing? Amaya decided to talk to her teacher, because then she could share her idea with her classmates at least.

    Ms. Monroe agreed when Amaya talked about her idea. They decided to call the project Hats in Harvard. Then they wrote a letter explaining the project. Ms. Monroe even said she could help Amaya talk to the headmaster about it, so they could get the whole school to join in it. They met with the headmaster during lunch time. He was excited about the idea, and said he would make sure copies(复印件) of the letter went home with all the students.

    They collected enough winter clothing in only one week. Then they left the clothes around two parks, so families who needed clothes could get them there. Three days later, Amaya and her mom went shopping again. She saw the same family that had given her the idea for Hats in Harvard. This time, though, the family looked nice and warm in some new coats, hats and gloves. Amaya felt warm in her heart, and was very glad she could help others.

When I was looking for a Christmas present for my daughter in a toy store, a nicely dressed little girl, with some money in her little hand, was looking at some beautiful {#blank#}1{#/blank#}. When she saw a doll she liked, she would ask her father {#blank#}2{#/blank#} she had enough money. He usually said yes.

At the same time, a {#blank#}3{#/blank#}, with old and small clothes, was looking at some computer games. He, too, had money in his hand, but it looked no more than five dollars. Each time he picked up one of the computer games and looked at his father, the father shook his head.

The little girl had {#blank#}4{#/blank#} a very beautiful doll. However, she noticed the boy and his father. She saw the boy {#blank#}5{#/blank#} a computer game with disappointment(失望) and walk to another corner of the store.

    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.

There is a very important place in my life. That is my grandpa's 1 . My grandpa lives in a small village (村庄). The village is far 2 the city. It is at the foot of a hill (小山)with all kinds of flowers, 3 it's very beautiful. There are many trees on the hill, too. The air in the village is very fresh.  There are many 4 , at my age in the village. When I go to my grandpa's home in the summer holiday. I always play with 5 . We often play football, sing and dance. The children are very 6 to me and I'm happy to be with them. Sometimes they come to my grandpa's home to visit me. We sit under a big tree in front of my grandpa's house to 7 my grandpa's interesting stories. Sometimes I take my computer with me to my grandpa's home. I teach them how to use the computer. They all like to watch soccer games on the 8 with me. We become very good friends soon. Now many workers are building(修建) a wide road through the 9 . The traffic will be very easy. I'm going to spend (花费) my summer holidays in my grandpa's home every year because I 10 my grandpa and my good friends. I also miss my grandpa's house very much.