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 his own belief of how to manage his money. According to our different values, experts put us in three catagories---the ant, the cricket(蟋蟀) and the snail. ★ The ant — work 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 — life under pressure The snail refers to people who make life difficult for themselves. They take big long-term loans(贷款) 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 them. This can cause problems in the future. They should plan more carefully. 小题1: One’s values may________.
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