【题目】 Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?
As we grow up, we gradually（渐渐地）develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it’s not easy to change later in life. Financial experts（财务专家）say that everyone also has their own belief of how to manage their finances. This is the part of our value system and it has a great influence on the way we look after our money. According to our different values, experts put us in three categories（类别）. They are: the ant, the cricket（蟋蟀）and the snail（蜗牛）.
The ant—work first
Just like ants who work heart and soul in summer in order to store food for winter, these people don’t care about enjoying the moment. They work very hard and save money they make so that they can enjoy life when they get old. The ant loves to save.
The cricket—fun first
The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance（保险）.
The snail—living under pressure
The snail refers to people who make life difficult for themselves. They take big long-term loans（借款）from the bank in order to buy things such as big houses. They are happy to take big loans even though they are not sure if they can afford it. This can cause problems in the future. They should plan more carefully.
【1】The meaning of the underlined words “value system” in this passage is .
A.belief of how to manage our financesB.the way we look after our money
C.something that will not change later in lifeD.a set of our own values or beliefs
【2】The ant refers to people who .
A.work very hard in summer in order to store food for winter
B.can make more money if they work harder
C.save money they make for their later life when they get old
D.only care about enjoying the moment by working very hard
【3】Why do the crickets borrow money?
A.Because they would like to enjoy everything now.B.Because they are young.
C.Because they think they have no future.D.Because they want to buy insurance.
【4】The writer’s purpose in writing the passage is to .
A.make fun of the three kinds of silly people
B.make us understand the differences and manage our money better
C.make us understand we should spend our own money
D.tell us that we are the same as animals
【答案】
【1】D
【2】C
【3】A
【4】B
【解析】
文章大意：作者告诉了我们在成长过程中，不同的人有不同的价值观或者理念，并介绍了三种不同群体，让我们理解差异，更好地去理财。
【1】词句猜测题。根据上文As we grow up, we gradually develop a set of our own values or beliefs. 随着我们的成长，我们逐渐形成了一套自己的价值观或信仰。结合Once this value system is set up, it’s not easy to change later in life.一旦这个价值体系建立起来，在以后的生活中就不容易改变了。可知value system指的是上文提到的“a set of our own values or beliefs”，故答案选D。
【2】细节理解题。根据They work very hard and save money they make so that they can enjoy life when they get old. 他们工作很努力，把挣来的钱存起来，这样当他们年老退休时就能享受生活。可知“蚁族”指的是那些把挣来的钱存起来，等老了退休后再用的人，故答案选C。
【3】细节理解题。根据The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. 蟋蟀想要享受现在的一切，不想太多的未来。他们甚至在真正需要的时候借钱。许多年轻人现在属于这个群体。可知蟋蟀借钱是因为它们现在想要享受一切，故答案选A。
【4】主旨大意题。根据As we grow up, we gradually develop a set of our own values or beliefs.…. everyone also has their own belief of how to manage their finances.This is the part of our value system and it has a great influence on the way we look after our money. 随着我们的成长，我们逐渐形成了一套自己的价值观或信仰。……每个人对如何管理自己的财务也有自己的看法。这是我们价值体系的一部分，它对我们理财的方式有很大的影响。可知作者写此文的目的是让我们了解差异，更好地管理我们的钱，故答案选B。
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