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】

試題分析: 本文介紹了幾種擁有不同理財價值觀的人的理財策略。螞蟻族先犧牲后享受，注重退休后的生活品質(zhì)。蟋蟀族是先享受后犧牲,作者提醒這部分人要注意在及時享樂的同時,不要忘了老有所養(yǎng)。 蝸牛族以購買房屋作為最主要的理財目標。然而，如果在這一目標上耗用太多的資源，必將影響其他目標的實現(xiàn)以及生活水平的提高。

1.B 細節(jié)理解題。根據(jù)文章第三段內(nèi)容This is part of our value system and it has a great impact on the way we look after our money.可知人們理財方式是他們價值觀的反應，選B。

2.B推理判斷題。從文章對于這三種人的描述可知他們都存在缺點，螞蟻族不知道享受生活，蟋蟀族不知道節(jié)省錢以備不時之需，蝸牛族為了奢飾品而給自己很大壓力，由此判斷這三種人都存在缺點，選B。

3.D細節(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D。

4.A 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A。

考點：考查社會生活類短文閱讀