读后续写-六千元首付的奇迹儿童投资背后的家庭智慧讲义-湖南省新高考教学教研联盟暨长郡二十校联盟高一下学期5月期中英语试题

阅读下面材料，根据其内容和所给段落开头语续写两段，使之构成一篇完整的短文。Rubyandhersiblings(兄弟姐妹),Angus,14,andLucy,13,boughttheirfirstproperty(房产)togethertwoyearsagoinClyde,southeastofMelbourne,for$671,000.Today,thefourbedroomhomeisworthjustunderamilliondollarsatabout$960,000.Theirhardearnedpocketmoneycamefromhelpingtheirparentsaroundthehouseandpackingbookordersoftheirfather’showtoguidetoinvesting(投资).bined,theyendedupwitha$6,000deposit(存款).CEOofpropertyinvestmentpanyOpenCorp,theirdad,CamMcLellan,saidkidstodaywouldneedthe“bankofmumanddad”toaffordproperty,whichwasallthemorereasontogetstartedatanearlyage.WhileMrandMrsMcLellancoveredtherestofthemoneyforthehouse,theyguidedtheirchildrenthroughtheprocesstoteachthemabout“smartinvesting”.“WhatIdidwiththekidswasthatwewentthroughstepbysteponhowtopickthebestinvestment,”MrMcLellansaid,“First,weruledoutbigcitieswherepricesaretoohigh.Thenwelookedforsmallertownswithnewroadsandschoolsbeingbuilt,wherelotsofpeoplearemovinginbuttherearen’tenoughhousesyet.Finally,wepickedahousethat’snottoobigortoosmallforthatarea,soit’seasytorentorselllater.”TheprouddadsaidthatRubywas“surprisinglyknowledgeableforaneightyearold”.“Theotherdaysheaskedmeaboutwhenyouselltheproperty,howmuchmoneyisleftover,andIwasexplainingtohertaxrequirementstobepaidandthosesortsofthings,”MrMcLellansaid.“Evenasaneightyearold,she’sgettingagraspoftheconceptofbuyingandsellingproperty.”Thefamilywillkeepthepropertyintrust(托管)untilthetwoeldest,LucyandAngus,areintheirearly20s,whichwillmeanthey’vewaitedone“fullgrowthpropertycycle”andthefamilyhopeitwillreach$1million.Oncesold,thechildrenwillreceiveanequalportionoftheprofitaftertaxtosetthemupforfutureinvestments.注意：1.续写词数应为150左右;2.请按如下格式在答题卡的相应位置作答。Overtheyears,thechildrenlearnedmore.___________________________________________________________________________________________Thisstoryshowsapowerfullesson___________________________________________________________________________________________一、续写分析第一段续写分析核心内容：孩子们在成长过程中深化投资知识，参与更多实践。具体细节：Ruby的成长：从8岁到12岁，她开始主动研究房产市场数据，用零用钱模拟投资（如购买虚拟房产模型），并向父亲提问租金回报率、物业维护成本等专业问题。Angus和Lucy的实践：16岁的Angus参与房屋租赁谈判，学会与租户沟通；15岁的Lucy负责分析区域发展报告，用图表展示人口增长与房价趋势的关联。家庭互动：父亲定期组织“投资研讨会”，让孩子们汇报调研成果。某次讨论中，Ruby提出“环保装修提升房产价值”的建议，被家人采纳并用于翻修计划。情感与主题：通过具体事例展现孩子们从“知识接受者”到“主动研究者”的转变，突出家庭教育中“实践出真知”的理念，呼应“早期财商培养”的重要性。第二段续写分析核心内容：总结故事传递的教育意义，升华主题。多维度升华：对孩子的影响：当房产在十年后增值至150万澳元时，孩子们用分得的利润再次投资，形成“投资增值再投资”的良性循环，体现长期规划的价值。对家庭的意义：父母通过“托管+引导”模式，避免溺爱，让孩子理解财富需通过知识与努力获得，而非依赖馈赠。对社会的启示：对比“啃老购房”现象，指出早期财商教育能培养独立人格，减轻下一代经济压力，促进社会良性发展。金句点睛：用“播种金钱的种子，不如播种驾驭金钱的智慧”等比喻，强调财商教育的本质是培养思维能力，而非单纯积累财富。二、故事线童年启动：三兄妹用零花钱攒下6000澳元首付，在父母资助下购买首套房产。知识输入：父亲通过“选址三步法”（排除大城市→聚焦发展中城镇→匹配房型）传授投资逻辑。实践成长：孩子们随年龄增长参与租赁、数据分析、装修决策等环节，将理论转化为能力。价值增值：房产历经市场周期增值，孩子们通过托管期学习等待与长期规划。理念传承：出售房产后，利润用于再投资，体现“财商教育→独立理财→代际传承”的闭环。短语积累grasptheconceptof

理解...的概念（如：理解买卖房产）ruleout

排除（如：排除高价大城市）stepbystepguidance

循序渐进的指导（父亲的教育方式）propertycycle

房产周期（市场规律的学习）taxrequirements

税务要求（投资中的财务知识）rent回报率

rentalyield（专业投资术语）simulateinvestment

模拟投资（孩子的实践方式）negotiatewithtenants

与租户谈判（Angus的实践）analyzeregionalreports

分析区域报告（Lucy的技能）环保装修

ecofriendlyrenovation（Ruby的创新建议）intrust

托管（房产持有方式）equalportion

均等份额（利润分配原则）良性循环

virtuouscycle（投资习惯的形成）财商教育

financialliteracyeducation（核心主题）长期规划

longtermplanning（投资成功的关键）主旨升华句Teachingchildrentomanagemoneyisn’taboutaccumulatingwealth—it’saboutcultivatingthewisdomtogrowitresponsibly.

教孩子理财不是积累财富，而是培养理智增值的智慧。Afamily’sgreatestinheritanceisn’tpropertyitself,butthefinancialliteracythatempowersfuturegenerations.

家庭最宝贵的遗产不是房产，而是赋能后代的财商。Byinvolvingchildrenininvestmentdecisionsearly,parentsplantseedsofindependencethatgrowtallerthananyhousingmarket.

让孩子尽早参与投资决策，父母种下的独立种子，终将超越任何房产市场的高度。Wealthbuiltonknowledgelastslongerthanwealthbuiltoninheritance;theformerisaskill,thelatteraprivilege.

靠知识积累的财富比靠继承的财富更持久：前者是技能，后者是特权。TheMcLellanstoryprovesthatfinancialfreedombeginsnotwithalargedeposit,butwithacuriousmindandawillingnesstolearn.

麦克莱伦一家的故事证明：财务自由不是始于高额存款，而是始于一颗好奇心与学习的意愿。写作示范范文一：Overtheyears,thechildrenlearnedmore.AsRubygrewfrom8to12,shetradedherdollsforpropertymagazines,oftenaskingherdad,“Whydosomesuburbshavehigherrentalyields?”Shestarteda“pretendportfolio”withherpocketmoney,buyingtoyhousestosimulaterenovationsand“sell”ataprofit.Angus,now16,negotiatedhisfirstrentalcontractfortheClydehouse,proudlytellinghisdad,“Iconvincedthetenanttopaysixmonthsupfront!”Lucy,15,becameawhizatanalyzingcouncilreports,usingcolorfulchartstoshowhowanewtrainstationnearbyboostedlocalpropertyvalues.Duringfamily“investmentnights,”theydebatedtopicslike“Shouldweinstallsolarpanelstoincreaseresalevalue?”Ruby’sideawon,andtheupgradesadded$20,000tothehome’sappraisal.Thisstoryshowsapowerfullesson.

TheMcLellansdidn’tjustgivetheirkidsahouse—theygavethemaframeworkforlife.Byinvolvingthemineverystep,frombudgetingtotenantmanagement,theparentsturned“wealth”intoateachablemoment.Whenthehousesoldadecadelaterfor$1.5million,thekidsreinvestedtheirsharesinnewproperties,provingthatfinancialliteracyisthegreatestinheritance.AsMr.McLellanputsit,“Wedidn’traisechildrenwhowaitforhandouts;weraisedinvestorswhocreatetheirownopportunities.”范文二：Overtheyears,thechildrenlearnedmore.Whiletheirpeersspentpocketmoneyongames,RubystudiedYouTubetutorialson“howtocalculatepropertydepreciation.”AngusandLucyattendedopenhouseswiththeirdad,takingnoteson“curbappeal”and“floorplanefficiency.”At14,Lucyevencreatedaspreadsheettrackingthehouse’svalueagainstlocalinfrastructureprojects.Whenaneighbor’steenaskedforacarasa16thbirthdaygift,Angusproudlysaid,“I’dratheraddtomyinvestmentportfolio.”Thefamily’sannual“propertyreview”becameahighlight,withRubypresentingdataon“theimpactofschoolzonesonhousingprices”andwinningadebatetoinstallenergyefficientwindows.Thisstoryshowsapowerfullesson.

Inanerawhere“bankofmumanddad”isthenorm,theMcLellansflippedthescript.Theyturnedrealestateintoaclassroom,teachingtheirkidsthatwealthisn’tagift—it’saskill.BythetimeLucyandAngushittheir20s,theyweren’tjustpropertyowners;theyweresavvyinvestors,equippedtonavigatemarketswhiletheirpeersstruggledwithrent.“Wewantedthemtounderstandthatmoneyworksforthosewhoworkforit,”Mrs.McLellansaid.“Now,they’renotjustinheritingahouse—they’reinheritingamindset.”范文三：Overtheyears,thechildrenlearnedmore.Ruby’scuriosityneverwaned.At10,shedrewa“dreamhouse”withsolarpanelsandaveggiegarden,explainingtoherdad,“Greenfeaturesmakehomessellfaster!”Herparentstookherseriously,incorporatingherideasintoarenovationthatboostedtheproperty’svalueby15%.Angus,nowaparttimerealestateintern,shadowedhisdadatauctions,learningtoreadbidderpsychology.Lucy,inspiredbyaschoolprojectonurbangrowth,wrotea20pagereportonClyde’spotential,whichherdadcalled“moreinsightfulthansomeagents’analyses.”Thekidsdidn’tjustlearnaboutproperty—theylearnedtobelieveintheirabilitytoshapetheirfinancialfutures.Thisstoryshowsapowerfullesson.

TheMcLellanchildrendidn’twaitforadulthoodtostartbuildingwealth—theystartedaskids,armedwithcuriosityandguidance.Theirstoryshattersthemyththat“propertyistooplexforyoungminds.”Instead,itprovesthatwithpatienceandpracticallessons,childrencanmasterconceptsthatsecuretheirfutures.AsRubyoncesaid,whilemunchingamooncakeduringafamilyinvestmentmeeting,“Buyingahouseislikebakingacake:youneedtherightingredientsandtimetoletitrise.”Wisewordsfromayounginvestor—andatimelesstruthforusall.范文四：Overtheyears,thechildrenlearnedmore.Mr.McLellan’s“investmentworkshops”becamearitual.Oneevening,Rubypuzzledovertaxdeductions,asking,“Whydowepaylesstaxwhenweinvest?”Herdadusedapizzaanalogy:“Thegovernmentwantstoencouragegrowth,sotheyletyoukeepabiggersliceofthepie.”Angus,meanwhile,learnedthehardwaywhenatenantdamagedtheproperty—hehadtobudgetforrepairsfromtherentaline,teachinghimtherealityof“ownershipresponsibilities.”Lucy’sbreakthroughcamewhenshelinkedpopulationgrowthtopropertydemand,declaring,“It’snotjustaboutbricksandmortar—it’saboutpeopleandprogress.”Thisstoryshowsapowerfullesson.

Inaworldobsessedwithquickprofits,theMcLellansmodeledtheartofdelayedgratification.Byholdingthepropertythroughafullmarketcycle,theytaughttheirkidsthattruewealthgrowswithtimeandwisdom.Butmorethanthat,theymodeledpartnership:parentandchild,notjustinvestorandbeneficiary.Asthehousecrossedthe$1millionmark,itwasn’tthenumberthatmattered—itwastheconversations,themistakes,andthesharedprideinbuildingsomethinglasting.“Wedidn’tjustinvestinproperty,”Mr.McLellansaid.“Weinvestedinourkids’confidencetobuildtheirownlegacies.”【参考答案】Overtheyears,thechildrenlearnedmore.Astheygrewolder,Caminvolvedtheminmanagingtheproperty,suchasresearchinglocalrentalmarketsandnegotiatingwithtenants.Ruby,nowten,couldanalyzesimplefinancialreports,whileAngusandLucydevelopedskillsinevaluatingpropertytrend