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
2023-08-14
13
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、To think about your familial obligations.
B、To consider if you can afford the lending.
C、To recall the do’s and don’ts of lending.
D、To consider what things a bank will do.
答案
B
解析
Melody Hopson说道,她要从一个基本问题开始讨论借钱给亲戚的这个话题。在考虑家庭责任前,要先考虑自己能否负担得起这债务(can you afford it),B项与这句话对应。A项“考虑家庭责任”是解决了B项基本问题后才考虑的问题。C项“借贷中的注意事项”是这篇演讲的主题,不符合问题问的basic idea。演讲人是拿银行借贷和借钱给亲戚做类比,不是D项所说的“考虑银行的做法”。
转载请注明原文地址:https://tihaiku.com/zcyy/2925096.html
相关试题推荐
[originaltext]Moderator:Hello,ladiesandgentlemen.Itgivesmegreatple
[originaltext](13)Agrowingnumberofwomenaredevelopingsomethingcalle
[originaltext](13)Agrowingnumberofwomenaredevelopingsomethingcalle
[originaltext]Arefrigeratorofthefuturethattellsyouwhattocookwith
[originaltext]Arefrigeratorofthefuturethattellsyouwhattocookwith
[originaltext]Arefrigeratorofthefuturethattellsyouwhattocookwith
[originaltext]M:Hey,Amanda!Howcomeyou’rewearingasuit?I’veneverseeny
[originaltext]M:Hey,Amanda!Howcomeyou’rewearingasuit?I’veneverseeny
[originaltext]M:Hey,Amanda!Howcomeyou’rewearingasuit?I’veneverseeny
[originaltext]W:Socanyougivemesomeadviceonfinancingcollege?M:Grades
随机试题
随着生活水平的提高,人们的营养状况得到改善,“发福者”日渐增多。肥胖(obesity)可不仅仅是影响人们的体型而已。研究发现,肥胖是一个特别重要的与生活方
ArecentcaseinAustraliashowshoweasilyfearcanfrustrateaninformant’
对一个化学反应来说,下列叙述正确的是()。A. B. C.活化能越小,反
质量工具中,()中数据点的时间会对图形分布有影响。A.直方图 B.散点图
某中年男性患者,面色苍白、乏力2周,近2天来出现皮肤瘀斑,既往体健。化验血常规示
治疗心力衰竭痰饮阻肺证,应首选的方剂是( )。A.四逆汤合五苓散 B.参附汤
同时见于理中丸和四君子汤的是A.党参、茯神B.麦冬、生姜C.白术、人参D.干姜、
La2A1057运算放大器,当从同相端输入时,其反馈电路接到()。(A)同
鉴别病理性抑郁与非病理性抑郁,主要根据()。A:症状B:严重程度C:病程D
期末所有者权益与期初所有者权益的比率指的是()。A.销售净利率 B.销售毛利率
最新回复
(
0
)