There were red faces at one of Britain's biggest banks recently. They had accepted a telephone
order to buy ￡100,000 worth of shares(股票) from a fifteen-year-old schoolboy (they thought he
was twenty-one). The shares fell in value and the schoolboy was unable to pay up. The bank lost  
￡ 20,000 on the deal which it cannot get back because, for one thing, this young speculator(投机者)
does not have the money and, for another, being under eighteen, he is not legally liable for his debts.
If the shares had risen in value by the same amount that they fell, he would have pocketed  ￡ 20,000
profit. Not bad for a fifteen-year-old. It certainly is better than delivering the morning newspaper. In
another recent case, a boy of fourteen found, in his grandmother's house, a suitcase full of foreign
banknotes. The clean, crisp, banknotes looked very convincing but they were now not used in their
country of origin or anywhere else. This young boy headed straight to the nearest bank with his
pockets filled with notes. The cashiers did not realise that the country in question had reduced the
value of its currency by 90%. They exchanged the notes the notes at their face value at the current
exchange rate. In three days, before he was found out, he took  ￡ 200,000 from nine different banks.
Amazingly, he had already spent more than half of this on taxi-rides, restaurant meals, concert tickets
and presents for his many new girlfriends (at least he was generous!) before the police caught up with
him. Because he is also under eighteen the banks have kissed goodbye to a lot of money, and several
cashiers(出纳员) have lost their jobs.
     Should we admire these youngsters for being enterprising(有创业精神的) and showing initiative
(主动精神) or condemn them for their dishonesty? Maybe they had managed for years with tiny
amounts of pocket money that they got from tight-fisted parents. Maybe they had done Saturday jobs
for peanuts. It is hardly surprising, given the expensive things that young people want to buy, such as
fashionable running shoes and computer games, if they sometimes think up more imaginative ways of
making money than delivering newspapers and baby-sitting. These lads saw the chance to make a lot
of money and took it.
     Another recent story which should give us food for thought is the case of the man who paid his
six-year-old daughter ￡ 300 a week pocket money. He then charged her for the food she ate and for
her share of the rent and household bills. After paying for all this, she was left with a few coins for her
piggy bank. "She will soon learn the value of money," he said. "There's no such thing as a free lunch.
Everything has to be paid for and the sooner she learns that the better." At the other extreme there are
fond parents who provide free bed and board for their grown-up children. While even the most
hard-hearted parents might hesitate to throw their children out on the streets, we all know people in
their late twenties who still shamelessly live off their parents. Surely there comes a time when everyone
has to leave the parental nest, look after themselves and pay their own way in life. But when is it?