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 whether they can afford it. This can cause problems in the future. They should plan more carefully.People with the character of the snail would like to __________.
| A．enjoy life at the moment without thinking much about the future |
| B．put work before everything else |
| C．live a luxury life at all costs |
| D．take the risk of investing a large sum of money |
Our beliefs and values are affected by the following except __________.
| A．society | B．our family |
| C． money | D．education |
This passage mainly talks about __________.
| A． the relation between man and insects |
| B．the spending nature of people |
| C．the insects in nature |
| D．the problems with dealing with money |
Which of the following has the character that the author prefers?
| A． The cricket. | B． The ant |
| C．The snail. | D．None of the above. |
The best way to cure sadness is not shopping, according to a recent study. The so-called shopping method has become common practice these days, but that can put your wallet under a lot of pressure. So if you are sad and feel like shopping, don’t!
According to the recent study, sadness leads to self-focus (自我为中心的) thinking. In other words, sad people are willing to spend more money on the same thing than calm people.
"It is the result of sadness and self-focus, and it turns out that sadness leads to an increase in self-focus," said Cynthia Cruder. "What we think is that sad and self-focused people are feeling pretty bad about themselves, and one way to deal with this is buying material goods."
In a perfect situation, when you know you are sad, you should avoid(避免) making decisions and spending money. Sounds simple? Sadly, it is not. Most people don’t even know they’re sad, the study shows, and they are not aware that their feelings influence their decisions.
What to do? The study showed that those who watched a tragedy(悲剧) were more likely to spend three times more money for a simple bottle of water than those who watched a comedy. The solution: well, for starters, don’t go shopping! If you can’t help it, it is probably better to see a doctor.When you can’t help shopping after feeling sad, you’d better _______.
| A．talk to your friends |
| B．go to the store directly |
| C．go to bed and rest |
| D．go to hospital and get checked out by a doctor |
We can learn from the passage that________.
| A．sad and self-focused people are poor |
| B．sad people make important decisions easily |
| C．tragedies may make people buy more expensive goods |
| D．sad people are less confident than calm people |
What would be the best title for this passage?
| A．The Loss of Money Caused by Sadness |
| B．Shopping is Not the Best Way to Cure Sadness |
| C．A Study About How to Stay in a Good Mood |
| D．How to Make Decisions When You Are Sad |
A young father was visiting an old neighbor． They were standing in the old man's garden， and talking about children． The young man said， “How strict should parents be with their children？”
The old man pointed to a string（绳子）between a big strong tree and a thin young one． “Please untie（解开）that string,” he said． The young man untied it, and the young tree bent（弯）over to one side． “Now tie it again， please，” said the old man， “but first pull the string tight so that the young tree is straight again．”
The young man did so． Then the old man said， “There，it is the same with children． You must be strict with them, but sometimes you must untie the string to know how they are getting on． If they are not yet able to stand alone， you must tie the string tight again． But when you find that they are ready to stand alone， you can take the string away．”The story is about ＿＿＿＿＿＿＿ ．
| A．how to take care of young trees |
| B．how strict parents should be with their children |
| C．how the young father should get on with his old neighbor |
| D．how to tie and untie the string |
When can the string be taken away？＿＿＿＿＿＿＿ ．
| A．When the old man has left |
| B．After you have untied it |
| C．When the young man has untied it next time |
| D．When the young tree grows strong enough |
In the story the relation（关系） of the big strong tree to the thin one is like that of ＿＿.
| A．the young father to the old neighbor |
| B．parents to their children |
| C．the old neighbor to the children of the young father |
| D．grown ups to their parents |
Many people turn to doctors or self-help books, but they ignore a powerful thing that could help them fight illness: their friends.
Researchers are only now starting to pay attention to the importance of friendship in health. A 10-year Australian study found that old People with a large circle of friends. A large 2007 study showed an increase of nearly 60 percent in the risk （危险） for obesity （肥胖） among people whose friends gained weight. And last year, Harvard researchers reported that strong social ties could improve brain health as we age.
“In general, the role of friendship in our lives isn’t well realized,” said Rebecca, a professor at the University of North Carolina. “Friendship has a bigger effect on our psychological （心理的） health than family relationships. ”
While many friendship studies are about the close relationships of women, some research shows that it can do good to men too. In a six-year study of 736 middle-aged men, having friendships reduces the risk of heart attack. Only smoking was as important a risk factor （因素） as having little social support.
Exactly why friendship has such a big effect isn’t entirely clear. While friends can send a sick person to the hospital or pick up medicine, the advantages go well beyond physical help. Friendship clearly has a big psychological effect. “People with stronger friendships feel like there is someone they can turn to,” said Karen, a doctor. “The message of these studies is that friends make your life better. ”The three studies in paragraph2 show that .
| A．old people need friends the most. |
| B．friends can help us lose weight. |
| C．social ties （关系） are connected to health |
| D．more friends make us healthier. |
What do underlined sentences in paragraph3 mean?
| A．Friendship is more important to women than to men. |
| B．What people need most is a friend’s care. |
| C．Friendship is more important than family relationship |
| D．The value of friendship hasn’t been fully understood. |
The author mentioned smoking in the text to discuss .
| A．the cause of heart attack. |
| B．the risk of having no friends. |
| C．smoking is bad for men. |
| D．friends’ influence on habits. |
You probably know you should say "please" and "thank you" at restaurants. You probably know the rules of a library. You know you should respect and be nice to your classmates. But do you have music manners?
Keep It Down! You have to notice the volume of your music. You should not play your music so loud that everyone around you can hear it. Some people might even get angry. Usually, when you play the music loud on an MP3 player, other people can't hear the words of the song. They just hear a loud sound. No one wants to listen to this. Very loud music can also be bad for your ears. So even if you are alone when listening to your MP3 players, you shouldn't turn it up too high.
Take Them Off! You need to know when to turn your MP3 off and put it away. Libraries and schools don't allow MP3 players. There are other places, like museums, that don't have rules, but it would be rude to have your MP3 player on. Sometimes, it doesn't make sense(无意义）to listen on your MP3 player . Why would you listen to music at a play, a movie or a sporting event? You would miss what is going on and others would wonder why you even came.
Take One Out! Once in a while it's okay just to take out one earphone and not the other. Imagine you are listening on your MP3 player when someone asks you the way. It would not be rude to take out one earphone, tell him the way, and put back the earphone and continue listening. You can also do this when you order food at a fast-food restaurant or when you answer the telephone.
It's Your Choice! There are times when you need to decide what is best. For example, some people can listen to music on their MP3 players when reading books, while others think it is disturbing. In cases like this, you need to do what seems right for you.The underlined word "volume" in Paragraph 2 probably means "_________."
| A．the amount of a sound | B．the length of a song |
| C．the type of music | D．the color of an MP3 player |
We should turn down the music when we are alone because loud music_________.
| A．may annoy others | B．can hurt our ears |
| C．is bad for MP3 players | D．will make us tired |
If we listen to our MP3 player at a play, _________.
| A．the theatre won't allow it |
| B．the actors will get angry |
| C．others won't hear the play well |
| D．we may miss part of the play |
The main idea of this passage is about _________.
| A．music lovers | B．music manners |
| C．music players | D．MP3 earphones |
Kenyon Scudder once told me a story about his friend, Michael. Michael happened to be on a train sitting next to a young man who seemed worried. Finally the young man told the friend that he was a convict (罪犯) returning home from a prison far away. What he did had brought shame (羞耻) on his family, and they had neither visited him nor written to him. He hoped, however, that this was only because they were too poor to travel and too busy to write.
When he was set free he had written to tell them he wanted to go home. To make matters easy for them, however, he had asked them to put up a signal (信号) for him when the train passed their little farm. If the family had forgiven (原谅) him, they were to put up a white ribbon (丝带) in the big apple tree near the railway. If they didn't want him back, they were to do nothing, and he would stay on the train, and go far away.
As the train neared his hometown his suspense became so great that he was afraid to look out of the window. He asked Michael to watch for the big apple tree. They changed seats. In a minute, Michael put his hand on the young convict’s shoulder. "There it is," he said, his eyes filled with sudden tears. "It’s all right. The whole tree is white with ribbons."For which of the following reasons might the young man be worried?
| A．His family might not allow him to go home. |
| B．His family would not remember him. |
| C．His family hadn’t written to him frequently. |
| D．His family hadn’t visited him for a long time. |
According to the passage, the white ribbon in the big apple tree means ________.
| A．pleasure | B．forgiveness |
| C．happiness | D．education |
The word "suspense" underlined in the last paragraph can best be replaced by ________.
| A．pain | B．interest |
| C．worry | D．happiness |
Why did Michael cry at the end of the story?
| A．The young man couldn’t live with his family. |
| B．There were many white ribbons on the apple tree. |
| C．He was moved by the young man. |
| D．The young man was very sad. |