首页
登录
职称英语
[originaltext] Anchor: Should you lend money to your family? Maybe she w
[originaltext] Anchor: Should you lend money to your family? Maybe she w
游客
2023-08-05
25
管理
问题
Anchor:
Should you lend money to your family? Maybe she will, with the do’s and don’ts of lending money to family, we are joined by Melody Hopson, GMA financial contributor and president of Aerial Capital Management. Welcome, Melody.
Melody Hopson:
Thank you. For this question, I would start with a very basic idea. [16] Before you think about this familial obligation issue, let’s start with "Can you afford it? " And if you can’t afford it, that answers the question right away. Also can you afford it if they don’t pay you back? A bank thinks about the same thing. They assess the risk of the loan that they are going to make. And they don’t make loans that are going to make them bankrupt. You shouldn’t either, [17] but if you go down this path, the one thing that I suggest you and that helps remove some of the resentment or problems that can occur is: Document it. Documentation helps a lot.
So those are the guidelines basically, you’re saying: write it down on paper, sign it, date it, interest rates, someone said, the interest rates are low, so this is a good deal. We do look at family as a good deal, even for paying an interest that’s usually lower than the market rate, right?
Absolutely did in terms, the terms may or may not include interest. They may include a payment plan; they may include it all back over a lump-sum period. And then last, last but not least, sign it, copy it, make sure you both have a copy and when you get into issues, you pull out that piece of paper.
If you don’t want to loan family money, maybe you can go to someone else, [18] maybe you can cosign for a loan with the borrower at the bank, really to create that kind of distance... that might be meeting them halfway.
We’ve been talking about you as the bank in the family, what about if you need to borrow money? Well, if I need to borrow money, I will go to my family members in the most professional way possible and I would be the one saying this is what I need the money for, I’d like to document this and write this down, this is when you can be expected to receive the payment. [19] If I don’t pay you back, I would be here before the money is due to renegotiate these terms, so they get a sense that you are very serious, very credible and you wanna make sure that this goes really, really well.
It’s also good for your own self-esteem. You know, hey, we get terms here, we get interest payments, I am gonna pay you back.
16. What basic idea does Melody Hopson start with in her talk?
17. What can help a lender get rid of future resentment and problems?
18. What might be a solution when people don’t want to loan family money?
19. What shall the borrower do if he or she can’t pay back on time?
选项
A、The borrower shall write it down on paper.
B、The borrower shall renegotiate the terms.
C、The borrower shall protect his self-esteem.
D、The borrower shall explain why he loans.
答案
B
解析
如果无法按时还款,主讲人的做法是在借款到期前重新协商借据的条款(renegotiate these terms),显示自己的诚意和信用,由此可知B项是正确答案。A项“借款人应立下字据”和D项“借款人应解释借钱原因”都是借钱的必要步骤,录音中皆有提及,但都不是未能还款这一情况发生前的步骤,与问题不相符。C项“保持自尊”与问题无关。
转载请注明原文地址:https://tihaiku.com/zcyy/2899782.html
相关试题推荐
[originaltext]TodayI’mgoingtotalkaboutGermany’sdreamairportinBerli
[originaltext]Free-marketcapitalismhasn’tfreedus;ithastrappedus.It’
[originaltext]Haveyoueverhadsomeonetrytoexplainsomethingtoyouado
[originaltext]Haveyoueverhadsomeonetrytoexplainsomethingtoyouado
[originaltext]TodayI’dliketotalkaboutthedangersofbeingtoocollabor
[originaltext]TodayI’dliketotalkaboutthedangersofbeingtoocollabor
[originaltext]Inlastweek’slecture,wediscussedthecharacteristicsofth
[originaltext]Inlastweek’slecture,wediscussedthecharacteristicsofth
[originaltext]Datingfromasfarbackasthe12thcentury,theyareclaimed
[originaltext]VirtuallyeveryAmericancanrecognizeadollarbillatamere
随机试题
HistorytellsusthattheoriginofSantaClausbeginsinthe4thcenturyw
Drought,tsunami,violentcrime,financialmeltdown—theworldisfullofris
通过经常发生塌方、泥石流的山区地段,避免停车。()
下列建筑各属什么风格?①维晋寨圆厅别墅②巴黎歌剧院③罗马特拉维喷泉(
在J2EE模型中,中间层的业务功能通过壹构件实现,使用贰实现业务逻辑处理结果的动
暂态地电压检测在原理上是一种比较性的检测技术。某个开关柜上的检测结果应与其它同类
324)已知一条纵联保护通道发信侧收发信机输送到高频通道的功率是10W,收信侧收
绩效管理系统不包括()。A.监督管理体系 B.绩效指标体系 C.考评运
心理咨询师B与求助者的第二次咨询 心理咨询师B:上一次咨询结束前我给你留了家庭
PTN网络结构分为()。A.传输媒介层 B.电路层 C.通路层 D.通道
最新回复
(
0
)