EVERYBODY in this world is different from one another. Butdo you know that understanding differences can help you bettermanage your money?
As we grow up, we gradually develop a set of our own values orbeliefs. These are influenced by society, our family, the educationwe receive and so on. Once this value system is set up, it's not easyto change later in life.
Financial experts say that everyone also has their own belief ofhow to manage their finances. This is part of our value system and ithas 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 tostore food for winter, these people don't care about enjoying the moment. They work very hard and save money they earn so that theycan enjoy life when they get old and retired, The ant loves to savebut they could make more out of their money if they were willing toinvest in some funds and stocks with low risk. The cricket——fun first
The cricket wants to enjoy everything now and doesn't think toomuch about the future. They even borrow money when they really wantsomething. Many young people now belong to this group. These peoplehave 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 them-selves. They take big long-term loans from the bank in order to buythings such as luxury houses. They are happy to take big loans eventhough they are not sure whether they can afford it. This can causeproblems in the future. They should plan more carefully.
People with 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．education	D．money

This passage mainly talks about __________.

A．the spending nature of people

B．the relation between man and insects

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 ant.	B．The cricket.
C．The snail.	D．None of the above.