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     Do you ever wonder about the smartest way to spend your allowance (零用钱)? Twelve-year-old Fabian

Fernandez-Han might have a few good ideas for you. Fabian won the NYSE Financial Future Challenge,

sponsored by the New York Stock Exchange (NYSE) Foundation. He received a prize of $2500 and had the

honor of ringing the closing bell at the stock exchange on January 11.

     The contest aimed at getting young people to think about money management and investing. Kids ages 6 to

19 were asked to create a product idea that would teach their peers about finances and the stock market, and

inspire them to think about saving or investing money. Financial experts chose five finaltsts, including Fabian,

from thousands of entries. Voters on Bykids-forkids.com picked Fabian's "Oink-a-Saurus" as the winner.

     Fabian's Oink-a-Saurus is an idea for an iPhone or iPod app, a computer program that runs on Apple phones

and MP3 players. Oink-a-Saurus would gather information about people's interests and spcnding habits by

tracking what they browsed online or bought in stores. Like an imaginary piggy bank. Oink-a-Saurus would then

show how much money a user might have earned by saving and/or investing the money, instead of spending it.

     The other finalists offered their own cool ideas for teaching kids about finance. Eight-year-old Tyra Smith

proposed "Stock Pocket", a game that would use electronic flashcards. Players would learn facts about the

stock market and win points by answering questions correctly. Twelve-year-old Kelsey Foss suggested a reality

TV show called "Stock Market Tycoon Idol". On the show, kids would compete to make or lose virtual money

by investing in the stock market. Her plan included adult experts helping the kids and teaching the audience about

money at the same time.

     Fabian and the other contestants tackled (处理) a very tough topic. Investing in the stock market is tricky

even for many adults to understand. The New York Stock Exchange is the biggest American marketplace for

buying and selling stocks, or parts of public companies. While some companies are privately owned by a person

or family, many big companies divide ownership into share or many little pieces of the company's total value.

Together, the shares are called stock. People can invest their money in a company by buying one or more of its

shares. If the company does well, the value of the investment usually goes up. If they wish, investors can then

sell their shares at a profit. Money can be lost in the stock market as well, when the value of shares falls. Many

investors lost money during the recent economic downturn.

1. In the New York Stock Exchange Financial Future Challenge, the goal was to _____.[ ]

A. make as much money as possible in the stock market

B. create an idea for a product that would help kids learn about money management and investing

C. compete for jobs on the floor of the stock exchange

D. pass a test about money management and investing

2. Finalists in the Financial Future Challenge were chosen by _____. [ ]

A. kids aged 6 to 19

B. teachers and principals

C. computer experts

D. money experts

3. To use Oink-a-Saurus, a kid would need _____. [ ]

A. a cell phone or an MP3 player

B. a computer and a partner

C. stock in at least one company

D. a low-interest credit card

4. Which of the following is NOT the example of the great ideas of the finalists? [ ]

A. Oink-a-Saurus.

B. iPod app.

C. Stock Pocket.

D. Stock Market Tycoon Idol.

5. In the last paragraph the writer tries to explain _____. [ ]

A. what the stock market is

B. what adults should help kids with

C. how to make an investment

D. how to make a great idea