Last Wednesday, about 7,400 American bankers went back to school again. This timethey did not go to learn—they went to teach. {#blank#}1{#/blank#} 1997，the American Bankers Association hassponsored Teach Children to Save Day. Every April 26, bankers across the USAteach over 1.5 million primary and secondary school students how to handle {#blank#}2{#/blank#}money.

      In the USA, children, especially teenagers, are often big spenders. In 2013, forexample, American teenagers spent $175 billion. This is {#blank#}3{#/blank#} average of $104per week per teenager. Few teenagers have any savings. They typically spendmoney as fast as they can. Nearly all will continue their {#blank#}4{#/blank#}(spend) habits whenthey grow up.

      It's necessary that children learn proper money management {#blank#}5{#/blank#} they are stillyoung. The bankers show students how to budget and make smart {#blank#}6{#/blank#}(decide)about money. They explain how to balance their expenses against their income.They help the students understand their family's shopping and householdexpenses as well. Of course，students{#blank#}7{#/blank#}(teach) how to invest and save money too.

AsBenjamin Franklin said, “A penny saved is a penny earned.” Moreover, money{#blank#}8{#/blank#}(save) at interest can increase greatly in value over time. Children, {#blank#}9{#/blank#}adults, need to understand the value of saving money. This is {#blank#}10{#/blank#} TeachChildren to Save Day is all about.

    Last year, two days before Christmas, my friends called, telling me their kitchen caught fire, {#blank#}1{#/blank#} (destroy) everything in it. I drove to their house, taking all the food I had. They were so happy to see me, but felt {#blank#}2{#/blank#} (embarrass) having nothing to give me in return.

    I went home, very upset. {#blank#}3{#/blank#} (actual), I was also in a hard place financially and unable to do {#blank#}4{#/blank#} (much) for them. I called a friend of {#blank#}5{#/blank#} ( I ) about this, who responded, “These people mean a lot to you and I want to help them.” Since he had never met them, he requested me {#blank#}6{#/blank#} (go) to the grocery store, all on him. At the check-out, I noticed him lacking money, so that I had to have some items taken back.

    We were walking away {#blank#}7{#/blank#} I heard a voice behind me asking the clerk, “How much are those things? I decide to pay for them.” I turned around {#blank#}8{#/blank#} (thank) the kind man and told him everything. He explained that he understood that as he had lost his job the year before but now was working again. {#blank#}9{#/blank#} tears in our eyes, all of us went away. It was such {#blank#}10{#/blank#} wonderful feeling to see folks step up when someone needed help, even a total stranger.

    Many teachers believe that the responsibilities for learning lie with the student. {#blank#}1{#/blank#} a long reading assignment is given, instructors expect students to be familiar with {#blank#}2{#/blank#} (inform) in the reading even if they do not discuss it in class or take an examination. The ideal student is considered to be one who is motivated to learn for the sake of learning, not the one interested only in getting high grades. Sometimes homework is returned {#blank#}3{#/blank#} brief written comments but without a grade. Even if a grade is not given, the student is {#blank#}4{#/blank#} (responsibility) for learning the material assigned. When research {#blank#}5{#/blank#} (assign), the professor expects the student to take it actively and to complete it with minimum guidance. It is the student's responsibility to find books, magazines, and articles in the library. Professors do not have the time to explain {#blank#}6{#/blank#} a university library works; they expect students, {#blank#}7{#/blank#} (especial) graduate students, to be able to exhaust the reference origins in the library. Professors will help students who need it, but prefer that their students should not be too dependent on them. In the United States, professors have many other duties {#blank#}8{#/blank#} teaching, such as administrative or research work. Therefore, the time {#blank#}9{#/blank#} a professor can spend with a student outside of class {#blank#}10{#/blank#} (limit). If a student has problems with classroom work, the student should either approach a professor during office hours or make an appointment.

    Keeping a diary in English is one of the effective ways to improve our English writing ability.

    Compared with other forms of writing, it is shorter and takes {#blank#}1{#/blank#}(little) time. It can help us to develop the habit of thinking in English. If we persist in this practice, gradually we'll learn how {#blank#}2{#/blank#}（express）ourselves in English. In keeping a diary in English, we certainly run up against many {#blank#}3{#/blank#}(difficult). In the first place, it often happens that we have trouble in {#blank#}4{#/blank#}(find) appropriate words and phrases to give expression to our mind. Secondly, there {#blank#}5{#/blank#}(be) many idiomatic ways of saying things in Chinese. And it is extremely hard for us to put them into English {#blank#}6{#/blank#}(proper).

    As far as I am {#blank#}7{#/blank#}(concern), my suggestion is {#blank#}8{#/blank#}we should always have a notebook and a Chinese-English dictionary within easy reach. Whenever something beats us, we can first put it down in our notebook and then consult our dictionary. We can also ask our English teacher {#blank#}9{#/blank#}help, if necessary. In short, I believe that it is of great use to keep a diary in English for {#blank#}10{#/blank#}development of our writing skills.

    Though quite {#blank#}1{#/blank#} few Chinese students say that their knowledge of English grammar is good, {#blank#}2{#/blank#} most would admit that their oral English is poor.

    Whenever I speak to Chinese students, they always say, “My oral English is poor.” {#blank#}3{#/blank#} , their oral English does not have to remain “poor” ! I would like to suggest that there may be some {#blank#}4{#/blank#} (reason) for the problems with their {#blank#}5{#/blank#}  (speak) English. First, they fail to find suitable words to express {#blank#}6{#/blank#} (they) due to a limited vocabulary. Second, they are afraid of making mistakes. The {#blank#}7{#/blank#} (three) reason is that not enough attention {#blank#}8{#/blank#} （pay）to listening.

    If you don't use your English beyond the classroom，you will forget {#blank#}9{#/blank#} you know. Remember: USE IT OR LOSE IT! You can learn how to speak English better {#blank#}10{#/blank#} speaking English more.

    First we will put you as an{#blank#}1{#/blank#}to an experienced journalist. Later you can cover a story and{#blank#}2{#/blank#} the article yourself.

    No need for a camera. You will have a{#blank#}3{#/blank#} photographer with you to take photographs. You will find your colleagues very{#blank#}4{#/blank#} to assist you, so you may be able to{#blank#}5{#/blank#}on photography later if you're interested.

    The skin is an {#blank#}6{#/blank#} part of your body and its largest organ. You have three layers of skin which act as a {#blank#}7{#/blank#}against disease, poisons and the sun's harmful{#blank#}8{#/blank#}.

    Cover the burned area with a dry, clean {#blank#}9{#/blank#} that will not stick to the skin. Hold the bandage in place with tape. Never put butter, oil or ointment on burns as they keep the heat in the wounds and may cause{#blank#}10{#/blank#}.