There is a telephone on my desk. It's my good friend. It helps me a lot. My telephone number is 8445816. Sometimes when I have something to talk about with my classmates. I don't need to go out. I call them. I write down many telephone numbers of my friends. My best friend John's number is 8459471. When I can't remember my homework, I ask him by telephone. There are some "Telephone Messages" beside my telephone. When I am out, my mother writes down the massages for me.

Hi, I'm Hu Bin, a student of Class l, Grade 7. At school,My teachers and my classmates very1to me. My school life is very2.I like it very Classes begin3 8:00a. m. I have four classes in the morning and two classes in the afternoon. Istudy Chinese, English, math, politics and4 othersubjects. English is my favorite subject, and I often5Englishwith my classmates. I also like P. E. and music.6 Idon't like math. I think it's7 difficultand boring. What do you think?

After school, I often play8 basketballwith my classmates. It is my favorite outdoor activity. Sometimes I swim in theswimming pool. Sometimes I9 withmy friends in the park. I go to the school library every Tuesday and Thursday. Ithink my school life is very interesting? What about10? Can you tell me something about it?

    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.

Dear Sally,

Thank you for your email. Do you want to know about my school days? From Monday to Friday, I'm1 . Every day I have six lessons. In the morning I have2 lessons and in the afternoon I have two. In the evening I3 have lessons. I'm at home with my family. At school, my favorite4 is Chinese. Why do I like it? Because it's very interesting and relaxing. My favorite day is5 . On that day I have Chinese — my favorite subject. And I can have two free days after that day.

Yours,

Mary