Question

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.

1.We can learn from the text that _____.

A. spending money is a wiser way

B. your way of managing money is a reflection of your value or belief

C. saving money is a good way to manage money

D. we spend money because we have earned it

2. Of the three types of people, the one that has no weakness is _____.

A. the cricket B. none of them

C. the snail D. the ant

3.If you had three dollars, you would spend all of it. Which type do you belong to?

A. None of them B. The snail

C. The ant D. The cricket

4. The text tells us mainly about _____.

A. spending nature

B. living behaviors of small animal

C. our own values and beliefs

D. understanding differences

 

Answer 1

1.B

2.B

3.D

4.A

【解析】

试题分析: 本文介绍了几种拥有不同理财价值观的人的理财策略。蚂蚁族先牺牲后享受，注重退休后的生活品质。蟋蟀族是先享受后牺牲,作者提醒这部分人要注意在及时享乐的同时,不要忘了老有所养。 蜗牛族以购买房屋作为最主要的理财目标。然而，如果在这一目标上耗用太多的资源，必将影响其他目标的实现以及生活水平的提高。

1.B 细节理解题。根据文章第三段内容This is part of our value system and it has a great impact on the way we look after our money.可知人们理财方式是他们价值观的反应，选B。

2.B推理判断题。从文章对于这三种人的描述可知他们都存在缺点，蚂蚁族不知道享受生活，蟋蟀族不知道节省钱以备不时之需，蜗牛族为了奢饰品而给自己很大压力，由此判断这三种人都存在缺点，选B。

3.D细节理解题。根据文中对蟋蟀族的介绍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.可知有钱就花光是属于此种类型，选D。

4.A 主旨大意题。文章开头告诉人们了解自己是哪种类型可以帮助理财，然后分别介绍了三种不同类型的人们，由此判断文章中心是关于不同人们的消费特点，选A。

考点：考查社会生活类短文阅读