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.
【小题1】We can learn from the text that .A．we spend money because we have earned it B．saving money is a good way to manage moneyC．your way of managing money is a reflection of your value or beliefD．spending money is a wiser way【小题2】 Of the three types of people, the one that has no weakness is .A．the antB．the snailC．none of themD． the cricket 【小题3】If you had three dollars, you would spend all of it. Which type do you belong to?A．The cricketB．The antC．The snailD．None of them【小题4】The text tells us mainly about .A．understanding differencesB．our own values and beliefsC．living behaviors of small animal D．spending natureC
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(答案→)C
解析：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？
【小题1】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。选C
【小题2】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。蟋蟀型的When they get old, they might have problems. They should learn to save and buy insurance.老了就会有问题，蜗牛型的The snail refers to people who make life difficult for themselves.生活很困难，所以都有缺点，选C。
【小题3】推断题。根据倒数第二段“They should learn to save and buy insurance”两句可知，作者认为蟋蟀型的人“应当存点钱，买些保险”由此可推断出有三美元要都花完的人是蟋蟀型品质的人。选A
【小题4】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。选D