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 every one also has their own beliefs of how to manage their finances. This is part of our value system and it has a great effect on the way we look after our money.
According to our different values， experts put us in three types. They are： the ant， the cricket （蟋蟀） 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 enjoy 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 learned to invest wisely with low risk.
The cricket — funs first
The cricket wants to enjoy everything now and doesn't think too much about the future. These people even borrow money when they really want something. Many young people now belong to this group. These people don't make long plans and only have little savings. 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 loans from the bank in order to buy things such as luxury houses. They are happy to take big long-term loans and don't think about affording it. This can cause problems in the future. The suggestion is that they should plan more carefully.
1. According to the writer's advice， the ant should not choose the investment way of ____.
A. buying stocks B. saving in the bank
C. buying the insurance
D. lending somebody
2. A person who has spent almost all that he has earned belongs to ____.
A. the ant B. the cricket
C. the cock D. the snail
3. ____ can cause problems in the future.
A. The ant B. The cow
C. The cock D. The snail
4. People's values or beliefs are influenced by the following factors except ____.
A. friendship B. society
C. family D. education
It was on an Amsterdam street called Het Rokin that I first heard World War II had broken out. I was walking along， minding my own business， when suddenly I saw people rushing toward a poster that was being put up — I still remember precisely where. It was a newspaper bulletin（公告） that brought those of us present that first news of war. I also clearly recall my first reaction. It was one of thrill （發抖）， intense excitement， rather than fear or gloom.
For many years it had been Dutch foreign policy to maintain （坚持） strict neutrality（中立）. Nevertheless， on August 28， 1939， a few days before the outbreak of hostilities（战争）， the Dutch government had ordered the mobilization （动员令） of the armed forces — but purely as a preparatory defensive measure. By January 1940， intelligence sources reported that the Germans were concentrating （集合） some 50 divisions on the Dutch / Belgian frontiers. On May 9， the Dutch military attaché（驻外武官） in Berlin called his Ministry of Defense： “Tomorrow at dawn. Hold tight.”
Between three and four in the morning of May 10， German planes began dropping 300 bombs on Amsterdam's airport， completely destroying all its facilities. I heard nothing， since I was a deep sleeper. It must have been about five o'clock when my father came into my bedroom and said： “Bram， get up. There is war.”
The surrender（投降） came four days later — and five days before my twenty-second birthday. It must have been very shortly after that when， as I walked on an Amsterdam street， I saw a huge German tank rumbling by， a helmeted， grim-faced soldier looking out of the turret（炮塔）. I have never forgotten my unanticipated （不曾预料到的） reaction to that sight. I said to myself：“I am a Dutchman，” whereupon my thoughts continued along lines something like this： “You silly little fellow， of course you are a Dutchman. Why didn't you never have that thought before？ Why now？” I found the answers during the next five bitter years： that part of your being which gets challenged the most becomes most prominent （卓越的，顯著的） in your feelings.
1. When the author learned the outbreak of World War II， he ____.
A. was sleeping
B. was walking along a street in Amsterdam
C. was reading books in a library in Germany
D. was talking with his father
2. The first reaction of the author to the war was ____.
A. one of thrill， intense excitement
B. one of fear
C. one of gloom
D. one of despair
3. The first information that the Germans would attack the Dutch frontier came from___.
A. intelligence sources
B. Ministry of Defense
C. the military attaché in Berlin
D. the military attaché in Amsterdam
4. The surrender of the Dutch occurred__.
A. on May 10 B. on September 1
C. on May 14 D. in January 1940