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 whether they can afford it．This can cause problems in the future．They should plan more carefully．
29．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
30．Our beliefs and values are affected by the following exceptD．
A．society       B．our family
C．education     D．money
31．This passage mainly talks aboutB．
A．the spending nature of people
B．the relation between man and insects
C．the insects in nature
D．the problems with dealing with money
32．Which of the following has the character that the author prefers？D
A．The ant       B．The cricket
C．The snail     D．None of the above．

分析 這是一篇社會生活類短文．在我們成長的過程中，我們逐漸形成了一套自己的價值觀或者人生理念．你的價值觀會影響到你的花錢方式，在理財方面你屬哪一類呢？

解答 29．C  細(xì)節(jié)理解題．根據(jù)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：蝸牛型的人為了買豪華住房，他們寧愿選擇巨額的長期貸款．故C正確．
40．D 細(xì)節(jié)理解題．作者在第二段中提到"These are influenced by society，our family，the education we receive and so on"，這些價值觀或信念是在社會、家庭和我們所受到的教育等因素的綜合作用下產(chǎn)生的．故D正確．
41．B 細(xì)節(jié)理解題．根據(jù)文中對蟋蟀族的介紹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．可知有錢就花光是屬于此種類型，選B．
32．D 主旨大意題．文章開頭告訴人們了解自己是哪種類型可以幫助理財，然后分別介紹了三種不同類型的人們，由此判斷文章中心是關(guān)于不同人們的消費特點，選D．

點評 考察學(xué)生的細(xì)節(jié)理解和推理判斷能力，做細(xì)節(jié)理解題時一定要找到文章中的原句，和題干進行比較，再做出正確的選擇．在做推理判斷題不要以個人的主觀想象代替文章的事實，要根據(jù)文章事實進行合乎邏輯的推理判斷．

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