【題目】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 (金融) 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(投資) 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(保險).

The snail—lives under pressure(壓力)

The snail refers to people who make life difficult for themselves. 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. This can cause problems in the future. They should plan more carefully.

【1】Peoplewiththecharacterofthesnailwouldliketo_______.

A. enjoylifeatthemomentwithoutthinkingmuchaboutthefuture

B. livealuxurylifeatallcosts

C. putworkbeforeeverythingelse.

D. taketheriskofinvestingalargesumofmoney

【2】Ourbeliefsandvaluesareaffectedbythefollowingexcept______.

A. society B. money

C. education D. our family

【3】Thispassagemainlytalksabout_______.

A. thereactionbetweenmanandinsects

B. the problems with dealing with money

C. theinsectsinnature

D. the spendingnatureofpeople

【4】Whichofthefollowinghasthecharacterthattheauthorprefers?

A. The ants B. The cricket

C. Thesnail D. Noneoftheabove

【答案】

【1】B

【2】B

【3】D

【4】D

【解析】本文是一篇說明文。主要講述了人們形成的不同的金融消費習(xí)慣。主要分為螞蟻，蟋蟀，蝸牛三類，各具特點。

【1】細節(jié)理解題。由最后一段“They take big long-term loans (貸款)from the bank in order to buy things such as luxury(奢華的) houses. ”可知，蝸牛類人喜歡貸款購物，過著奢華的生活。故選B。

【2】細節(jié)理解題。由第二段“These are influenced by society, our family, the education we receive and so on. ”可知，我們的價值觀與信仰受社會，家庭，教育等影響，與金錢無關(guān)。故選B。

【3】主旨大意題。由全文可知，根據(jù)人們不同的金融消費習(xí)慣，可以大概分為三種各具特色的類型，并依次介紹了不同的消費支出習(xí)慣。故選D。

【4】推理判斷題。本文是一篇客觀的說明文。以客觀的角度介紹三種不同類型，并不含個人支持喜好。故選D。

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