首页
登录
职称英语
[originaltext]Melody Hopson: Thank you. For this question, I would start wi
[originaltext]Melody Hopson: Thank you. For this question, I would start wi
游客
2023-08-17
16
管理
问题
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 cosign for a loan at the bank.
B、To raise the interest rates of loan.
C、To stop contacting the family member.
D、To talk it out with the family member.
答案
A
解析
录音提到,如果不想借钱给亲戚,又想作出让步的话,或许可以与其联名担保向银行申请贷款(cosign for a loan),A项“共同署名担保”是正确选项。B项是靠借钱给亲戚谋利的做法,与问题无关。C项“不再与亲戚联系”和D项“将之公开于家庭成员”均没有在录音中提到。
转载请注明原文地址:https://tihaiku.com/zcyy/2934373.html
相关试题推荐
[originaltext]Theyoungpeoplewhotalkofthevillageasbeing"dead"are
[originaltext]Moods,saytheexperts,arefeelingsthatarelikelytobefi
[originaltext]W:Hello,Dr.Christianson.M:Hello,Cathy,whatcanIdoforyo
[originaltext]W:Hello,Dr.Christianson.M:Hello,Cathy,whatcanIdoforyo
[originaltext]W:Hello,Dr.Christianson.M:Hello,Cathy,whatcanIdoforyo
[originaltext]M:Whydoyouthinkthatway?W:WhileIadmitthereisverylitt
[originaltext]M:Whydoyouthinkthatway?W:WhileIadmitthereisverylitt
[originaltext]Howmanypeoplehaveyouspokenwithtoday?Chancesarethat
[originaltext]Howmanypeoplehaveyouspokenwithtoday?Chancesarethat
[originaltext]IwanttotalkaboutVietnamesecuisine.Tomanyofyou,itm
随机试题
Learningtoplayamusicalinstrumentcanchangeyourbrain,withaUSrevie
UniversalHealthCare,Worldwide,IsWithinReachA)Bymanym
[img]2021m3x/ct_ve01004003m_eyyjsccloze_0048_202103[/img]Whenweseeab
MostChineseliketodrinktea.Butsome
人民广播史上第一位播音员是( )。A.姚雯 B.徐瑞璋 C.钱家楣 D.
共用题干 甲房地产开发公司(以下简称甲公司)拟开发一写字楼项目,该项目的优势初
下列化合物中具有抗肿瘤作用的是A.薄荷醇 B.银杏内酯 C.青蒿素 D.紫
战国后期,我国出现的具有世界影响的教育文献是( )。A.《大学》 B.《中庸
会员制期货交易所应当对会员大会所表决事项制作会议纪要.由出席会议的全体会员签名。
冷弯性能是指钢材在常温下承受弯曲变形的能力,钢材的冷弯性能指标是通过()进行区
最新回复
(
0
)