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.

Hello! Good to see you. I'm Emma Smith. I'm {#blank#}1{#/blank#} actor. This is a photo of my {#blank#}2{#/blank#} , Look! The old woman {#blank#}3{#/blank#} my left is my grandmother. She {#blank#}4{#/blank#} from France. These are my parents. My father is a {#blank#}5{#/blank#} and my mother is a nurse. {#blank#}6{#/blank#} work in the same hospital. Who is this beautiful woman? She's my {#blank#}7{#/blank#} . She's my mother's sister. She's {#blank#}8{#/blank#} to my mother. Now she lives in Beijing, the {#blank#}9{#/blank#} of China. I have a dog. {#blank#}10{#/blank#} name is Bobby. 

I love my family very much. 

Jack's friend Sally isn't fine these days.

One day she asks Jack for help. And she tells(告诉)Jack about her food. For breakfast. She always eats some bread. For lunch, she always has some chicken. She likes eating ice-cream and a hamburger in the evening. 

"They're not healthy for you, Sally," Jack says. "I know, but I like them," Sally says. "What about vegetables? Do you like eating carrots?" Jack asks. "No, I don't," Sally says.

"Sally, don't eat ice-cream. You must eat some vegetables and fruit. They are healthy food," Jack says. "I think you're right," Sally says.

In the next days, Sally always eats vegetables and fruit. And she is well now.

Oceanic islands, located far out in the ocean, are usually the tops of underwater volcano. These volcanic islands are formed when underwater volcanoes crupt(爆发). 

In August 1883, an ocean ic island called Krakatau in Indonesia was blasted apart by volcanic eruptions. It was one of the most violent cruptions in the world. The effects(影响) of this volcanic eruption was both immediate and long-term

In the "immediate" part, two-thirds of the island disappeared buncâth the sea. Pour huge eruptions created tsunamis (huge waves) that rose 120 feet high. More than 30, 000 people drowned in the tsunamis, which caused floods as far away as San Francisco and the English Channel. Tens of thousands of people on ncarby Indonesian islands were killed by walls of water, hot clouds of volcanic ash, gas, and rock.

In the longer term, climate patterns(气候模式) after Krakatoa's eruption influenced the whole world. The huge amounts of as h and gas entered into the sky and caused clouds to throw back more light than normal, cooling the Eorth. The following year, average(平均的) temperatures dropped by as much as 2. 2 degrees Fahrenheit. A few degrees F dropping n. ay not sound like much, but it is a big deal to plants and animals. 

In general, volcanoes cause lots of changes to the world's geography and climate. Although scientists are becoming better at finding when and where volcanoes will erupt, we must still respect the nature's power. 

Do you like having wafers(华夫饼)? Do you like reading books? If you do, you can have the" wafer book". It is a new kind of story(故事) book in America.

The paper(纸张) of book is made of wafers, so we call it" wafer book". And the paper comes in four flavors (口味): peach, orange, carrot and tomato. Bostjia n Gorenc Pizama writes the stories for wafer books. Now people like playing with the computer and the phone in their free time. They spend(花费) less time reading. The stores sell the books at very great prices. So many parents want to buy the wafer books for their sons and daughters. Parents think it's a good way to help them have reading habits.

After reading a wonderful story, you can have some delicious wafers. Many families buy the books in America now. Because they also get fun from the books.

The holiday season will be here soon，and with it come tons of parties. Here's how to mind your manners at the dinner table：

First things first：

Mind the little details. Respond to invitations in time；it's always better to be overdressed；be fashionably on time；bring a gift for your host or hostess；and remember to silence your phone and keep it out of sight. 

After you sit down：

The first thing you should do is place your napkin（餐巾）in your lap. Leave it there until the end of the meal. If you excuse yourself from the table，the most common practice is to place it on your seat until you return. If you're worried that your napkin has food on it that could make the seat or your clothes dirty when you sit back down，place it to the left of your plate instead. 

To locate your bread plate and drink：

When in doubt，look to your hands. With your palms（手掌）facing each other，connect the tip of each pointer finger（食指）with your thumbs（拇指）. You'll see that your left hand will form a "b"，and your right hand，a "d". These stand for "bread" and "drink"，which you will find to your left and to your right，separately. 

What to do with utensils（餐具）：

Your safest bet is to start from the outside﹣the utensils farthest from your plate﹣and move inward as the meal progresses. However，dessert（甜点）utensils may also be found above your plate. 

Resting utensils：

If you are taking a break from eating，imagine your plate is a clock and place your knife and fork down at the 3 o'clock position. You can show that you are finished eating by placing your utensils in the 10 and 4 o'clock positions. 

After the party：

Don't forget a thank﹣you note. It should be sent within two weeks after the event.