首页
登录
职称英语
[originaltext]Anchor: Should you lend money to your family? Maybe she will,
[originaltext]Anchor: Should you lend money to your family? Maybe she will,
游客
2023-08-12
42
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. 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, 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, 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. 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/2919458.html
相关试题推荐
[originaltext]Whyshouldyouconsidertakingacourseindemographyincoll
[originaltext][19]SwedenwasthefirstEuropeancountrytoprintandusep
[originaltext][19]SwedenwasthefirstEuropeancountrytoprintandusep
[originaltext][19]SwedenwasthefirstEuropeancountrytoprintandusep
[originaltext][16]Well,mycurrentresearchisreallyaboutconsumerbehav
[originaltext][16]Well,mycurrentresearchisreallyaboutconsumerbehav
[originaltext][16]Well,mycurrentresearchisreallyaboutconsumerbehav
[originaltext][13]MostAmericansdon’teatenoughfruits,vegetablesorwh
[originaltext][9]Whenfacinganewsituation,somepeopletendtorehearse
[originaltext]W:Mr.DeKeyzer,I’magreatloverofyourbookMomentsBeforet
随机试题
中国藏书事业发展过程中,以下四大系列出现得最晚的是:()A.官府藏书 B.书
过多地存货要占用较多资金,并且会增加包括仓储费、保险费、维护费、管理人员工资在内
水泥混凝土路面拱起指横缝两侧的板体发生明显抬高,高度大于10mm,损坏按拱起垂直
药材蜈蚣的鉴别特征不包括下列哪一项A.躯干部除第一背板外,均为棕绿色或墨绿色,有
患者女,33岁,干咳伴乏力、低热、夜间虚汗,体重减轻2个月,疑诊肺结核入院。
室内母线分段部分、母线交叉部分及部分停电检修易误碰有电设备的,应设有()。(A)
从所给的四个选项中,选择最合适的一个填入问号处,使之呈现一定的规律性:
(2016年真题)由于金融机构的交易系统不完善,管理失误所导致的风险属于(
强夯与强夯置换施工,施工前应选择有代表性并不小于不小于500㎡的路段进行试夯,其
根据《房屋建筑与装饰工程工程量计算规范》(GB50854-2013),关于基坑支
最新回复
(
0
)