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.
小題1:We can learn from the text that _____.
A.we spend money because we have earned it
B.saving money is a good way to manage money
C.your way of managing money is a reflection of your value or belief
D.spending money is a wiser way
小題2: Of the three types of people, the one that has no weakness is _____.
A.the antB.the snailC.none of themD. the cricket
小題3:If you had three dollars, you would spend all of it. Which type do you belong to?
A.The cricketB.The antC.The snailD.None of them
小題4:The text tells us mainly about _____.
A.understanding differences
B.our own values and beliefs
C.living behaviors of small animal
D.spending nature

小題1:C
小題2:C
小題3:A
小題4:D 

試題分析: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?
小題1:細節(jié)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。選C
小題2:細節(jié)題。根據(jù)不同的理財理念,專家把人們分為3大類:螞蟻型、蟋蟀型和蝸牛型。螞蟻型。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。蟋蟀型的When they get old, they might have problems. They should learn to save and buy insurance.老了就會有問題,蝸牛型的The snail refers to people who make life difficult for themselves.生活很困難,所以都有缺點,選C。
小題3:推斷題。根據(jù)倒數(shù)第二段“They should learn to save and buy insurance”兩句可知,作者認為蟋蟀型的人“應當存點錢,買些保險”由此可推斷出有三美元要都花完的人是蟋蟀型品質(zhì)的人。選A
小題4:主旨大意題。縱觀全文,可知本文主要講敘的是人們的價值觀和理財觀念。選D 
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When people think about howling, they usually imagine a sad, lonely sound made by a wolf sitting all alone on a hilltop in the moonlight. However, this picture in most human beings’ mind is not completely true. Wolves howl at any time, not just at night, and they often howl together, not alone.
Group or chorus howling is another means by which the members of a wolf reaffirm(重申) their ties with each other and their closeness as a group. One wolf----often the male leader----will point its nose at the sky, open its mouth, and start to howl. Immediately the other members of the pack rush to stand beside him, shoulder to shoulder, and join their voices to his. Each wolf howls on its own note so that a big chorus of slightly different sounds is produced.
Chorus howling often takes place before a wolf pack goes out to hunt. At the end of a successful hunt, the pack may also celebrate with a group howl. While wolves are on the track of prey(獵物),they are usually silent.
There are occasions when a wolf will howl by itself. This may happen when an animal is separated from the pack. Pack members seem to recognize each other’s voices and will keep responding to the howl of their wandering relative until the group is reunited.
Because howling is a sound that carries over a considerable distance, it is very useful in communications among separated members of a pack. Howling is also used when members of different packs have to get in touch with each other to pass on information about their locations and their purposes.
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A.Living in packsB.Hunting at night
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A.They leave the pack and live alone.
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C.They continue to live as part of the pack.
D.They take over the leadership from their parents.
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A.3—4B.4---5C.6---7D.10---15
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A.A baby crying from hunger
B.A family having an argument
C.A group of people singing at a concert
D.A sports team cheering before a game
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小題1:According to the passage, winners        .
A.deal with problems rather than blame others
B.meet with fewer difficulties in their lives
C.have responsible and able colleagues
D.blame themselves rather than others
小題2:The underlined word remedy in Paragraph 1 is closest in meaning to        .
A.a(chǎn)voidB.a(chǎn)ccept C.improveD.consider
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A.blame him for his lack of responsibility
B.find a better way to handle the problem
C.tell him to find the cause of the problem
D.a(chǎn)sk a more able colleague for help
小題4:When problems occur, winners take them as        .
A.excuses for their failures
B.barriers to greater power
C.challenges to their colleagues
D.chances for self-development
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A.Family and Relationships
B.How to Make Friends with Colleagues
C.What is a True Friendship
D.People and Relationship
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A.Kindergarten.B.Family.C.School.D.Office.
小題3: Why are our friends usually of the same age,sex,and education?
A.Because they are clever and well-behaved.
B.Because most of us are looking for similarities in views,social status, and interests when choosing friends.
C.Because they help us with our work and share our happiness and sorrow.
D.Because they cooperate with us well.
小題4:Which of the following statements is NOT true?
A.A companionship is based on belonging to the same team or group.
B.Friendship needs trust, sincerity, and emotional bonds.
C.Relationships are friendships between people.
D.Understanding is a process in which the friend reads our emotional state, shares our feelings, identifies himself / herself with us.

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