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    　　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 every one also has their own belief of how to manage their 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(股票)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(保险)．

    　　◆The snail－lives under pressure

    　　The snail refers to people who make life difficult for themselves．They take big long-term loans(贷款)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)

    One’s values may ________．

    [　　]

    A．

    be his ways of managing money

    B．

    be his beliefs about society

    C．

    determine his family and education

    D．

    influence his behavior

    (2)

    Mr．Smith always enjoys spending a weekend with his friends, fishing, hunting and playing cards．Moreover, he spends money in a very luxurious way．So, ________．

    [　　]

    A．

    Mr．Smith belongs to the ant type

    B．

    Mr．Smith belongs to the cricket type

    C．

    Mr．Smith belongs to the snail type

    D．

    it’s hard to tell which kind of person Mr．Smith is

    (3)

    The writer of the passage seems to be in favor of ________．

    [　　]

    A．

    the ant

    B．

    the cricket

    C．

    the snail

    D．

    none of them

    (4)

    According to the passage, the most suitable title would be ________．

    [　　]

    A．

    Spending Nature

    B．

    What Comes First

    C．

    How to Understand Your Values

    D．

    Work and Fun

    答案：1．D;2．B;3．A;4．A;
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