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[originaltext]Interviewer(M) Mility Hopson(W)Now, listen to Part One of t
[originaltext]Interviewer(M) Mility Hopson(W)Now, listen to Part One of t
游客
2024-11-19
11
管理
问题
Interviewer(M) Mility Hopson(W)
Now, listen to Part One of the interview.
M: What if one day, one member of your family turns to you for lending him or her some money?(1)With the do’s and don’ts of lending money to family, we are joined by Mility Hopson, GMA financial contributor and president of Ariel Capital Management. Welcome.
W: Thank you.
M: So can we narrow it down? Is there a yes-no answer to the question: should you lend family money?
W:(2)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:(3 - 1)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,(3 - 2)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 you that helps mute some of the resentment or problems that can occur:(3 - 3)document it. Documentation helps a lot.
M: So those are the guidelines basically. You’re saying: write it down on paper, sign it, date it, and 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?
W: Well,(4 - 1)I would start with, you want your names, the date, the amount, the purpose which you also have the right to know. A bank would ask you what the loan is for.(5)You may not want to lend a family member money for a vacation versus a medical bill.
M: And you should tell them that you don’t want to pay for their trip to Disney World.
W: Absolutely.(4-2)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: And you should have the hurt, supposed to be able to say to the person: I don’t think I want to loan you money for this purpose.
This is the end of Part One of the interview. Questions 1 to 5 are based on what you have just heard.
1. What’s the main topic of this part of the interview?
2. What’s Mility Hopson’s attitude towards lending money to family members?
3. Which suggestion is NOT given by Mility Hopson while asked for lending money?
4. What information do you not have to put in your documentation while lending money?
5. For what purpose will you lend money to a family member according to the interviewee?
选项
A、Don’t lend money when you can’t afford it.
B、Don’t lend money when you will face bankruptcy.
C、Make a documentation when lending money.
D、Lend money only when there is profit.
答案
D
解析
本题设题点在对话问答处。句(3—1)提出建议一:不能负担就不借,故排除[A];句(3—2)提出建议二:如果借了会破产也不要借,故排除[B];句(3—3)提出建议三:如果你坚持要借出,最好写份证明,从而在法律上保护自己的权益,故排除[C]。由以上三条建议可知,有没有利益可图并不在借不借钱的考虑范围内,因此[D]为正确答案。
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