【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（漸漸地）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（財務(wù)專家）say that everyone also has their own belief of how to manage their finances. This is the part of our value system and it has a great influence on the way we look after our money. According to our different values, experts put us in three categories（類別）. They are: the ant, the cricket（蟋蟀）and the snail（蝸牛）.

The ant—work 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 make so that they can enjoy life when they get old. The ant loves to save.

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—living under pressure

The snail refers to people who make life difficult for themselves. They take big long-term loans（借款）from the bank in order to buy things such as big houses. They are happy to take big loans even though they are not sure if they can afford it. This can cause problems in the future. They should plan more carefully.

【1】The meaning of the underlined words “value system” in this passage is .

A.belief of how to manage our financesB.the way we look after our money

C.something that will not change later in lifeD.a set of our own values or beliefs

【2】The ant refers to people who .

A.work very hard in summer in order to store food for winter

B.can make more money if they work harder

C.save money they make for their later life when they get old

D.only care about enjoying the moment by working very hard

【3】Why do the crickets borrow money?

A.Because they would like to enjoy everything now.B.Because they are young.

C.Because they think they have no future.D.Because they want to buy insurance.

【4】The writer’s purpose in writing the passage is to .

A.make fun of the three kinds of silly people

B.make us understand the differences and manage our money better

C.make us understand we should spend our own money

D.tell us that we are the same as animals

【答案】

【1】D

【2】C

【3】A

【4】B

【解析】

文章大意：作者告訴了我們在成長過程中，不同的人有不同的價值觀或者理念，并介紹了三種不同群體，讓我們理解差異，更好地去理財。

【1】詞句猜測題。根據(jù)上文As we grow up, we gradually develop a set of our own values or beliefs. 隨著我們的成長，我們逐漸形成了一套自己的價值觀或信仰。結(jié)合Once this value system is set up, it’s not easy to change later in life.一旦這個價值體系建立起來，在以后的生活中就不容易改變了�？芍�value system指的是上文提到的“a set of our own values or beliefs”，故答案選D。

【2】細(xì)節(jié)理解題。根據(jù)They work very hard and save money they make so that they can enjoy life when they get old. 他們工作很努力，把掙來的錢存起來，這樣當(dāng)他們年老退休時就能享受生活。可知“蟻族”指的是那些把掙來的錢存起來，等老了退休后再用的人，故答案選C。

【3】細(xì)節(jié)理解題。根據(jù)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. 蟋蟀想要享受現(xiàn)在的一切，不想太多的未來。他們甚至在真正需要的時候借錢。許多年輕人現(xiàn)在屬于這個群體�？芍敖桢X是因為它們現(xiàn)在想要享受一切，故答案選A。

【4】主旨大意題。根據(jù)As we grow up, we gradually develop a set of our own values or beliefs.…. everyone also has their own belief of how to manage their finances.This is the part of our value system and it has a great influence on the way we look after our money. 隨著我們的成長，我們逐漸形成了一套自己的價值觀或信仰。……每個人對如何管理自己的財務(wù)也有自己的看法。這是我們價值體系的一部分，它對我們理財?shù)姆绞接泻艽蟮挠绊憽？芍髡邔懘宋牡哪康氖亲屛覀兞私獠町�，更好地管理我們的錢，故答案選B。

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