18．閱讀下面的短文，然后按照要求寫一篇150詞左右的英語短文．
Eat your vegetables．Wash your hands．Always say"please"and"thank you"．We are full of advice for our children，but when it comes to money，we often have little to say．As a result，our children may grow up with clean hands and good manners，but without any idea how to manage their money．Here are some basics that will help guide them their entire lives：
Show them the future．If your 13-year-old girl were to save﹩100，put it in the bank at 8% interest and add﹩10 every month，by the time she's 65，she would have﹩98，098!Be careful of credit．Credit cards can help you buy necessary things and build a credit history，but they must be used responsibly，which means paying off your debt in time．Explain to your children that when you buy something using a credit card，you can easily end up paying two or three times what you would have paid if you used cash．
Teach patience．Suppose your child wants a new bicycle that costs﹩150．Rather than you paying the cash，give him some regular pocket money and explain that by putting aside，say，﹩15each week，he will be able to buy it for himself in only ten weeks．
Provide encouragement．Tell your children the importance of saving．And for every dollar he or she agrees to save and invest rather than spend，you agree to add another dollar to the pot．
[寫作內容]
1）以約30個詞概括這段短文的內容；
2）然后以約120個詞就"父母教小孩理財"這一話題發(fā)表你的看法，內容包括：
①你認為父母是否應該教小孩理財？為什么？
②如果應該，那么在小孩幾歲的時候教他們理財？用什么形式理財？如果不應該，那么等到孩子多大時教他們理財？用什么形式理財？
③結合你小時候關于理財?shù)那闆r來說明你的觀點．
[寫作要求]
1）在作文中可以使用自己親身的經(jīng)歷或虛構的故事，也可以參照閱讀材料的內容但不得直接引用原文中的句子；
2）作文中不能出現(xiàn)真實姓名和學校名稱．
[評分標準]
概括準確，語言規(guī)范，內容合適，篇章連貫．
