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.

"Amma, your son has sent money to you," said the postman to the old lady. She was sitting outside her house. Seeing him, Amma's face lighted up. "Let me first talk to my son," she was looking at him with hopeful eyes. But the postman tried to avoid it, "Amma, I don't have so much time. Don't talk with your son every time."

The postman wanted to go but Amma stopped him. She said, "It will take just a while." Hearing this, the postman dialed (拨号) a number on his mobile phone.After talking to her son on the phone, Amma was happy.

Then, the postman handed eight 100-rupee (卢比，货币单位) notes to Amma. After counting the money, she took out one note and gave it to the postman.

"Why, Amma?" asked the postman. Amma smiled and said, "You bring me money and also let me talk to my son. It must cost money, right? So keep it." Amma went inside after giving him lots of blessings (祝福).

The postman left and met his friend Ramu. "Every month you give your own money to Amma. Not only that, you give me money to talk to her on the phone as her son! Why?" Ramu asked.

The postman said, "Her son worked in a foreign country and used to send money to his mother every month. But one day, her son was missing. Now, he's still out of touch. I don't want to tell this to Amma. So I send her some money and ask you to talk with her on the phone."

There was a little boy whose name was Peter. He lived by the sea. The villagers built sea walls to keep sea water from the doors of the houses. But once the sea walls almost put the village in great danger.

One day, Peter was walking on his way back home along the sea wall when it began to rain. All of a sudden, he saw a hole in the wall, from which the sea water was running. Peter shouted for help because he knew the hole meant that the sea was making its way through the sea wall, but no answer came. He realized he should do something else as quickly as possible, or the sea water could be pouring over the whole village. He started to rush towards his village. At the same time, the rain became heavier and heavier.

It was getting dark, but Peter rushed on and on. He felt cold and hungry. In the rainstorm, he fell down over and over again. Many times he thought about giving up, but he fought on. He remembered his father's words, "Lots of strong men have made every effort to build the walls which can keep the village safe from danger. The sea walls are really important."

Finally, when the boy's father saw him, Peter had been black and blue all over. The boy told the villagers what had happened to the sea wall. They repaired it in time. "Thank God! He saved the village," they praised Peter. All the villagers called him "Peter the Guard" from then on. Peter's parents were really proud of him!

Billy always loved blueberries. They were his favorite fruit. Today he was going to make juice with his uncle. His uncle liked to make juice out of everything. He made carrot juice, apple juice, vegetable juice, and more juices. He had never made blueberry juice before though!

First, Billy and his uncle went to a blueberry farm. They were each given a basket. They picked for an hour and got several pounds. It was hard work picking the little berries from the trees. Now Billy understood why they were expensive in the store.

Next, they had to wash the fruit. Some of them still had leaves. Those had to be pulled off. Then the bad berries had to be thrown away. They washed the berries and made them air- dry.

After that, they pushed the blueberries through a strainer(过滤器). The strainer caught most of the seeds and skins, and only left a small glass of dark purple juice to them.

When they tasted the juice, it wasn't very sweet. Billy's uncle didn't want to add white sugar(糖) to the juice. It was better to use a naturally sweet juice, like apple juice, pear juice, or grape juice. They use grape juice as a sweetener, because grapes had a similar color to the blueberries.

Finally, they could drink it. It was a lot of work to make juice, but it sure was refreshing!

One autumn afternoon, Maddie was moving her towel at the window."I wish I didn't have to wash these windows," she said 1 ."I think washing windows is the worst housework in the world."

As she washed her towel into the buckets (水桶) again, Maddie saw Mr. Smith, her 2 . standing in his front yard (院子) next door. He looked so 3 .

" Mr. Smith," Maddie called," How are you?"

" Well, Maddie, but I have to rake(用耙子耙) these leaves (叶子)," Mr. Smith said." Raking is the 4 housework for me."

"I' ll ra ke them for you," Maddie said happily."I5 building piles(堆) of fallen yello w leaves."

" You would do that for me, Maddie?" Mr. Smith asked.

" Sure," Maddie answered."I'd be glad to 6 . I' ll finish washing my windows later."

" Thank you," Mr. Smith said, handing Maddie the rake."I really 7 the help." Then he went away.

Maddie raked and finally got all of her small leaves together into one high mountain." It's time to wash my 8 ." she thought. But when she reached her yard, she 9 .

Tom, her neighbor, was standing there, facing the living room window." What is Tom doing?" she thought.

" He's 10 the windows!" she suddenly realized.

" Tom, why are you washing 11 windows?" Maddie asked.

Hearing Maddie's loud voice, Tom was 12 . He turned around and said," Oh, after I came back, I saw Mr. Smith washing my clothes in my yard. I asked him what I could do for him. Then he remembered you didn't finish cleaning your windows 13 you were raking his leaves."

" And I", Tom said," love to wash windows,"

Maddie laughed."I guess there's 14 for everyone," she said." Thank you for doing my windows, Tom. The housework chain(联手) is really 15 !"

Qingming, literally (字面上) means "clear and bright". It is one of the 24 seasonal division points in China. After the festival, the temperature rises and rainfall increases. And then farmers begin to grow crops. Qingming Festival falls on April 4 this year.

As a festival, Qingming is believed to have a history of about 2,500 years. The most important tradition of Qingming is to honor ancestors and remember the dead family members. So Qingming is also called Tomb-Sweeping Day. When sweeping the graves, people pray, clean the tombstones and burn offerings, usually paper money, paper clothes, paper houses and now even a paper phone.

Lots of ancient poets expressed their sad feelings with words. One of the most famous poems describing the festival was the poem Qingming by Du Mu of the Tang Dynasty as follows: A drizzling rain falls like tears on the Mourning Day;......

Some traditions of Qingming have brought such problems as traffic jams and air pollution or even forest fires. As part of a greener Qingming activity, people have been encouraged (鼓励) to pay respect to their ancestors (祖先) and dead family members online, or burn less or no paper money to protect the environment.