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 they can afford it. This can cause problems in the future. They should plan more carefully.
1．Our beliefs and values are affected by the following except _____.
A．society B．the family
C．the education D．money
2．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
3．Which of the following has the character that the author prefers?
A．the ants B．the cricket
C．the snail D．none of the above
4．This passage mainly talks about _____.
A．spending nature of people
B．the relation between man and insects
C．the insects in nature
D．the problems with dealing with money
这是一篇社会生活类短文。在我们成长的过程中，我们逐渐形成了一套自己的价值观或者人生理念。你的价值观会影响到你的花钱方式，在理财方面你属哪一类呢？
1．D。细节题。作者在第二段中提到“These are influenced by society, our family, the education we receive and so on”，这些价值观或信念是在社会、家庭和我们所受到的教育等因素的综合作用下产生的。
2．C。细节题。根据不同的理财理念，专家把人们分为3大类：蚂蚁型、蟋蟀型和蜗牛型。蚂蚁型。根据最后一段“They take big long-term loans from the bank in order to buy things such as luxury houses”的意思可知：蜗牛型的人为了买豪华住房，他们宁愿选择巨额的长期贷款。
3．A。推断题。根据倒数第一段“They should plan more carefully”和倒数第二段“They should learn to save and buy insurance”两句可知，作者认为蟋蟀型和蜗牛型的人“应当存点钱，买些保险”和“应当有一个缜密的计划”，由此可推断出作者更喜欢具有蚂蚁型品质的人。
4．A。主旨大意题。纵观全文，可知本文主要讲叙的是人们的价值观和理财观念。
名校课堂系列答案科目：高中英语 来源：2013届浙江省台州中学高三第一次统练英语试卷（带解析） 题型：阅读理解
Water, which covers about 74 percent of the earth’s surface, is man’s most precious resource. Without it we cannot live. Clean water keeps us alive; polluted water means disease and death.Keeping our water pure is by no means an easy task but it is something that must be done.
Hong Kong once prided herself on being the “Fragrant Harbour”. However, these days, it is not certain if Hong Kong’s harbour could still be called “fragrant”. For, like many other places, Hong Kong has not been spared water pollution. A visit to Tolo and Victoria Harbour, or any of the beaches in Hong Kong is enough to make one aware of the ugly truth that Hong Kong waters are indeed polluted.
The great threat to our water is bacteria pollution. Another great source of water pollution is poisonous chemicals. These substances, which are found in industrial waste and agricultural pesticides, make up unseen dangers that enter biological food chains.
Pollution control is a continuing problem for the government. It is believed that the most effective form of control is legislation（立法）. Most importantly, the present laws on pollution should be given more force. On the other hand, no amount of legislation can effectively control pollution unless those concerned are properly educated about the danger posed by pollution.
While a great majority of Hong Kong citizens and residents seem to be greatly concerned about ways to control water pollution, it is discouraging to note that there are, in our midst, some people who remain apathetic（无动于衷）about the problem. In a recent radio programme conducted on what people in the streets thought about the water pollution problem, one apparently unconcerned person said, “What do I care about water pollution? I don’t drink polluted water. As long as the water I drink is not polluted, I’m not bothered. Water pollution is too big a problem and let’s leave it to the government.”
If all residents in Hong Kong will take such an indifferent attitude, all the government’s attempts to control pollution, let alone the anti-pollution legislation, will prove useless. The best form of pollution control each citizen can employ is to be aware of his surroundings. We hope that someday, the problem of water pollution in Hong Kong will cease to alarm us.
【小题1】By the underlined sentences, the writer wants to show that ______.
| A．we should not use polluted water |
| B．it is our responsibility to keep our water clean and safe |
| C．clean water is vitally important to the survival of human beings |
| D．water is abundant but very expensive |
| A．Hong Kong indeed deserves the name. |
| B．Hong Kong never deserves such a name. |
| C．Hong Kong can’t avoid the damage of pollution. |
| D．Hong Kong has failed to live up to such reputation. |
| A．people’s lack of education |
| B．people’s I-don’t-care attitude |
| C．people’s wait-and-see attitude |
| D．people’s over-dependence on the government |
| A．legislation |
| B．rapid development of modern science |
| C．mass education |
| D．everybody taking care of his own surroundings |
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科目：高中英语 来源：2010年甘肃省民乐一中高二下学期期末考试英语卷 题型：阅读理解
Fifteen years ago, I entered the Boston Globe, which was a temple to me then . It wasn’t easy getting hired. I had to fight my way in to a dime-a-word job. But once you were there, I found , you were in .
Globe jobs were for life-guaranteed until retirement. For 15 years I had prospered there—moving from an ordinary reporter to foreign correspondent and finally to senior editor. I 
would have a lifetime of security if I struck with it.
Instead, I had made a decision to leave.
I entered my boss’s office. Would he rage? I wondered. He had a famous temper. “Matt, we have to have a talk, ” I began awkwardly. “I came to the Globe when I was twenty —four. Now I’m forty . There’s a lot I want to do in life. I’m resigning. ”
“To another paper? ” he asked.
I reached into my coat pocket, but didn’t say anything, not trusting myself just then.
I handed him a letter that explain everything. It said that I was leaving to start a new media company. That the Globe had taught me in a thousand ways. That we were at a rare turning point in history, I wanted to be directly engaged in the change.
“I am glad for you , ” he said , quite out of my expectation. “ I just came from a board of directors meeting and it was seventy-five percent discouraging news. Some of that we can do deal with. But much of it we can’t ,” he went on. “I wish you all the luck in the world, ”be concluded. “And if it doesn’t work out , remember ,your star is always high here.”
Then I went out of his office, walking through the newsroom for more good-byes. Everybody was saying congratulations. Everybody—even though I’d be risking all on an unfamiliar venture : all 
the financial security I had carefully built up.
Later, I had a final talk with Bill Taylor, chairman and publisher of the Boston Globe. He had turned the Globe into a billion-dollar property.
I’m resigning, Bill, ” I said. He listened while I gave him the story. He wasn’t looking angry of dismayed either. After a pause, he said, “Golly, I wish I were in your shoes.”
【小题1】 From the passage we know that the Globe is a famous .
| A．newspaper | B．magazine | C．temple | D．church |
| A．he would be able to realize his lifetime dreams |
| B．he would let his long favourite dreams fade away |
| C．he would never have to worry about his future life |
| D．he would never be allowed to develop his ambitions |
| A．he had serious trouble with his boss |
| B．he got underpaid at his job for the Globe |
C．he wanted to work in the new media industry |
| D．he had found a better paid job in a publishing house |
| A．the writer was to fail | B．the writer was stupid |
| C．he would do the same if possible | D．he would reject the writer’s request |
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科目：高中英语 来源：黑龙江省哈尔滨市第六中学2010届高三上学期期末考试 题型：阅读理解
Think back to this time last year. What was on your mind?
Most likely, you were thinking about finals or the holidays, although in this city I’ve noticed that thinking about the holiday is a fancy way of saying how much stuff will I get.
Now reflect on your thoughts for this holiday season. Most people are still thinking about the holidays, but I say that with a grain of salt. Everybody with a functioning brain and the ability to communicate knows that this holioday season comes with a pretty large price tag: the debt of all the hardships, both domestic and foreign, that we’ve faced over the past 12months.
Let’s face it: some of us will get everything we want over the holidays. But there are others whose parents have lost their jobs or who have lost jobs themselves because of the current economic situation. As much as we try to ignore it, there is still economic unrest in the blue and gold suburb.
In this situation, we have three options. One: We ignore the situation, like we seem to do for every bad thing that happens around us, because by God, it’s the American Way! Two: We recognize that our economy is shot, feel bad about it and spend our time wishing for the good old days. Three: We recognize that our economy is shot, but instead of moping, reflect on every good thing that we have going for us. Now, which option sounds best to you?
I spent a week this summer working in and around New York City with the city’s homeless population. Or so I thought. Although a lot of the people I served were in fact homeless, a significant number of them had a job or a home or both. The truth of the importance of this situation is that they and thousands of others across the country can’t afford even the most basic things of life, even while working two jobs. Yet no one that I met complained about their hardships. Instead, they took whatever I happened to give them(which was, more often than enough, not enough) and were genuinely grateful for what they had.
Wrap your heads around that statement for a second. These people worked their butts off to stay alive with minimal results, yet were overjoyed by a flimsy(脆弱的) paper plate with donated green beans on it. Although I am ashamed to admit it( both as a girthy figure and an affluent citizen), I have taken for granted most of my meals, let alone green beans, and I know for a fact that I am not alone.
64. According to the passage when people think about holidays they care much for ____.
A. where to spend their holidays B. how to spend their holidays
C. what they can get for their holidays D. who they should go to visit
65. When the author wrote the article, the economic situation in his country ____.
A. began to go bad. B. began to improve C. was still serious D. was favorable for middle class.
66. The author wrote the article mainly to advise people____.
A.to be thankful in time of hardship. B. to spend their holidays in a wise way
C. to think little about their holidays D. to help the country to sail through the crisis
67. It can be inferred from the passage that the writer is most probably ______.
A. a homeless child B. an old professor C. a famous scientist D. a young student
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科目：高中英语 来源：2012-2013学年新疆兵团农三师第一中学高二下期月考英语卷（带解析） 题型：阅读理解
Few of us act alone in the real world. Most things are done with the help or ideas of other people. Group projects are great practice for high school, college, and real life, when you will probably have a job that requires working with others. Right now, group projects can be fun and they often allow you to do a bigger, more interesting project than you could alone. With group work, you can actually learn more in less time.
Group projects also give you a chance to get to know kids you might not otherwise know or talk with. Group projects are also a great way to practice skills you’re not so sure of. For example: working on a deadline, staying organized, or being patient. And if you’re a little nervous talking in front of a group, a joint project can help you become more comfortable with it. Maybe your group will pick you to tell the whole class about your project. If so, you’ll know your whole group is rooting for you!
One of the most important things about group work is talking and meeting together. It’s a good idea to continually check with everybody on their progress to see if anyone needs help. You might think the first step is to figure out who will do what, but actually it’s getting to know another a little. Take a few minutes to chat. Even if you know each other well, it can help to take a minute to think about your skills and share your strengths and weaknesses. The second step is to go over ground rules from your teacher and any that you want to create together as a group.
【小题1】Group projects can give you a chance to do the following EXCEPT ________.
| A．get to know more friends | B．learn more than you do alone |
| C．work in an organized way | D．get rid of shyness forever |
| A．like | B．support | C．offer | D．prevent |
| A．To learn what they will do next. |
| B．To find good topics to talk with them about. |
| C．To help them when they need help. |
| D．To make sure that their work is finished on time. |
| A．group members should be your close friends |
| B．talking with group members should be the first step of group work |
| C．knowing persons is more important than your projects |
| D．rules from teachers are more important than working among group members |
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科目：高中英语 来源：2012-2013学年浙江省杭州市西湖高级中学高一5月月考英语试卷（带解析） 题型：填空题
单词拼写（共10小题，每小题1分，满分10分）
【小题1】The farmers have b________ a lot from the government’s support.
【小题2】The story r________ me of my terrible experience in the coal mine.
【小题3】There was a strong c________ about their wedding plans and everybody wondered.
【小题4】Chinese scientist Chen Yu’ao was a__________ the Annual Fresnel Prize in 2013 because of his contribution in physics.
【小题5】At the beginning, it was not immediately o_________ that water was fundamental to the development of life.
【小题6】An a__________ doesn’t necessarily mean doing something rough and dangerous. It may be anything that you have never experienced before.
【小题7】There e___________ a certain doubt among the students as to the necessity of the work.
【小题8】Don’t be upset. There is no f________ on earth that does not end in parting.
【小题9】They were s___________ by the police as they were entering the bank.
【小题10】Some festivals, such as the Japanese Obon, are held to honor the dead or to satisfy the a___________, who might return either to help or to do harm.
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