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19．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．
59．Our beliefs and values are affected by the following exceptD．
A．society        B．the family         C．the education     D．money
60．People with the character of the snail would like toC．
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
61．Which of the following has the character that the author prefers？A
A．the antsB．the cricketC．the snailD．none of the above
62．This passage mainly talks aboutA．
A．spending nature of people        
B．the reaction between man and insects
C．the insects in nature             
D．the problems with dealing with money．

分析 本文主要講述的是人們的價值觀和理財觀念，并給出了三種類型．

解答 59．D 細節(jié)理解題．根據文章內容，由文中的These are influenced by society，our family，the education we receive and so on．可知我們的信念和價值觀受社會，家庭，我們收到的教育等等的因素影響．沒有提到money，故選D．
60．C 細節(jié)理解題．根據文章內容They take big long-term loans（貸款） from the bank in order to buy things such as luxury（奢華的） houses．They are happy to take big loans even though they are not sure they can afford it．可知有著蝸牛特點的人比較喜歡不惜一切代價過奢侈的生活．結合選項，故選C．
61．A 推理判斷題．根據"They should learn to save and buy insurance．"和"They should plan more carefully．"兩句可知，作者認為蟋蟀型的人"應當存點錢，買些保險"；蝸牛型的人"應當有一個縝密的計劃"，由此可推斷作者更喜歡具有螞蟻型品質的人．結合選項，故選A．
62．A 主旨大意題．綜觀全文可知，本文主要講述的是人們的價值觀和理財觀念，并給出了三種類型．結合選項，故選A．

點評 本文是廣告布告類閱讀理解．做這類題材閱讀理解時要求考生對文章通讀一遍，做題時結合原文和題目有針對性的找出相關語句進行仔細分析，結合選項選出正確答案．推理判斷題也是要在抓住關鍵句子的基礎上合理的分析才能得出正確答案，切忌胡亂猜測，一定要做到有理有據

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