首页
登录
职称英语
[originaltext]M: With the do’s and don’ts of lending money to families, we are
[originaltext]M: With the do’s and don’ts of lending money to families, we are
游客
2024-08-23
52
管理
问题
M: With the do’s and don’ts of lending money to families, we are joined by Mility Hopson, GMA financial contributor and president of Ariel Capital Management. Welcome.
W: Thank you.
M: Is there a yes-no answer to the question; should you lend families money?
W: I wouldn’t call it a yes-no answer; I would start with a very basic idea. Before you think about this familiar 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 they are going to make, and they don’t make loans that are going to make them insolvent. You shouldn’t either, but if you go down this path, the one thing that I suggest for you that helps mute some of the resentment or problems that can occur: document it. Documentation helps a lot.
M: Someone said, the interest rates are low, so this is a good deal. We do look at families as a good deal, even for paying interest. That’s usually lower than the market rate, right?
W: Well, I would start with…you want your names, the date, the amount, the purpose which you also have the right to know.
M: And you should tell them that you don’t want to pay for their trip to Disney World.
W: Absolutely. The terms may or may not include interest. They may include a payment plan. And 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.
M: This is so loaded, but it is hard to say no. You love this person, right?
W: Well, it’s hard to say no, but sometimes you have to say no.
M: And so that will affect your relationship, because you are going to deal with this person at holidays and family reunion.
W: But you should know that it’s better than dealing with them when they are facing bankruptcy, because you didn’t force them to look themselves in the mirror and try to take accountability for the lifestyle that they were trying to maintain, which they quite frankly could not afford. It was just the fact. There were no two ways about it.
M: Just now we’ve been talking about you as the bank in the family. What if you need to borrow money? How do you approach your family member?
W: Well, if l need to borrow money, I will go to them in the most professional way and be the one saying this is what I need the money for. I’d like to document this and write this down, and 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 I am very serious, very credible.
M: Mility Hopson, thanks a lot for the good advice.
6. What is Mility Hopson’s attitude towards lending money to families?
7. Which suggestion is NOT given by Mility Hopson while asked for lending money?
8. Which of the following is NOT mentioned that you must put in your documentation while lending money?
9. Which reason backs up your behavior of not lending money though you love them?
10. Which of the following is NOT recommended to do if you are borrowing money?
选项
A、The date and name.
B、The purpose of lending.
C、The amount of money.
D、The interest rate.
答案
D
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3732729.html
相关试题推荐
[originaltext]W:Goodmorning,John.IamLucy.M:Goodmorning.W:Howareyou
[originaltext]W:Goodmorning,John.IamLucy.M:Goodmorning.W:Howareyou
[originaltext]W:Goodmorning,John.IamLucy.M:Goodmorning.W:Howareyou
[originaltext]W:Hi,John,itisgoodtoseeyou.M:Samehere,Nancy.Ithasb
[originaltext]W:Hi,John,itisgoodtoseeyou.M:Samehere,Nancy.Ithasb
[originaltext]StayPositiveWhenFacing
[originaltext]W:Choosingtheperfectpresentforyourlovedonescanbestress
[originaltext]W:Choosingtheperfectpresentforyourlovedonescanbestress
[originaltext]W:Choosingtheperfectpresentforyourlovedonescanbestress
[originaltext]W:Choosingtheperfectpresentforyourlovedonescanbestress
随机试题
MajorsandDegreesNationalUniversityawardsassociatedegreesandbach
Oneofthevocalistswhoauditionedforaleadingpartinthelocalproductiono
[originaltext][20]Itiswellthatyoungmenshouldbeginatthebeginninga
下列各项中,属于原始凭证基本内容的有()。A.原始凭证名称 B.原始凭证填制
咽喉肿痛虚证的主穴为( )。A.合谷、颊车、下关 B.少商、合谷、尺泽、关冲
教师是自主学习活动的主导者。()
家庭的生命周期包括() Ⅰ.家庭衰老期 Ⅱ.家庭准备期 Ⅲ.家庭成熟期
慢性肾小球肾炎的主要发病机制是( )。A.链球菌感染 B.病毒感染 C.感
沸溢的形成有三个必备条件,下列不属于其形成条件的是()。A.沸程宽 B.闪点
牵张成骨术中适当的牵张速率非常重要,在颅颌面骨的牵张过程中,目前认为较适宜的牵张
最新回复
(
0
)