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    【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 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 say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money.

    According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.

    The ant-works 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 earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk.

    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.

    The snail-lives under pressure

    The snail refers to people who make life difficult for themselves. They take big long-term loans from the bank in order to buy things such as luxury houses. They are happy to take big loans even though they are not sure whether they can afford it. This can cause problems in the future. They should plan more carefully.

    【1】People with the character of the snail would like to ________.

    A. enjoy life at the moment without thinking much about the future

    B. put work before everything else

    C. live a luxury life at all costs

    D. take the risk of investing a large sum of money

    【2】Our beliefs and values are affected by the following except ________.

    A. society B. our family

    C. education D. money

    【3】This passage mainly talks about ________.

    A. the relation between man and insects

    B. the spending nature of people

    C. the insects in nature

    D. the problems with dealing with money

    【4】Which of the following has the character that the author prefers?

    A. The ant. B. The cricket.

    C. The snail. D. None of the above.

    【答案】

    【1】C

    【2】D

    【3】B

    【4】A

    【解析】本文介绍了人们由于价值观念的不同，导致了几种不同的消费模式，本文对这几种消费模式进行了简单介绍。

    【1】C

    推理判断题。根据The snail-lives under pressure中They take big long-term loans from the bank in order to buy things such as luxury houses.可知，这种性格的人高消费时不惜一切代价，

    故选C。

    【2】D

    细节推理题。根据第二段As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on.可知，我们的信念和价值观受社会、家庭和我们所受的教育影响，没有提到钱，故选D。

    【3】B

    推理判断题。根据第二段的Financial experts say that everyone also has their own belief of how to manage their finances.和第三段的According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.可知，本文主要介绍由于人们的价值观念的不同形成的三种常见的消费行为，故选B。

    【4】A

    推理判断题。根据对几种人的消费行为的介绍可知，蚂蚁型的人They work very hard and save money they earn so that they can enjoy life when they get old and retire.可知，他们努力工作和存钱，晚年可以享受生活。蟋蟀型的人They even borrow money when they really want something. When they get old, they might have problems. They should learn to save and buy insurance.可知，他们晚年会有困难，要学会节省。蜗牛型的人They are happy to take big loans even though they are not sure whether they can afford it. This can cause problems in the future. They should plan more carefully.可知，他们花钱没计划，会引起很多问题。由此可知作者不赞成后两种人的性格，喜欢蚂蚁型的人。故选A。

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