首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
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
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
admin
2020-06-06
59
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 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://kaotiyun.com/show/F6P7777K
0
大学英语六级
相关试题推荐
Afterdecadesofdecline,theshareofmotherswhostayhomewiththeirchildrenhas【C1】______risenoverthelastseveralyears,
A、Governmentmaystopitasabnormalcompetition.B、Writerswon’talwaysbehappytogainexposure.C、Thewebsitesdonotmakep
Since2007,theAmericanPsychologicalAssociation(APA)hasconductedasurveyofdifferentaspectsofstressinAmerica,Thisye
EatingOurYoung[A]AtFeltonvilleSchoolofArtsandSciences,amiddleschoolinapoorneighborhoodofPhiladelphia,thescho
Itwasgoingtohaveroughlytheeffectofaneutronbombattackonhighstreetsandshoppingmalls.Thebuildingswouldbeleft
Depressionisoneofthedarkdemons(恶魔)ofadolescence.Upto1in12Americanteenagersisaffected,accordingtotheNational
Forthispart,youareallowed30minutestowriteashortessayonthetopicTheElderly-DevouringCommunity.Youshouldwrite
中国的龙是中国神话和民间故事里传说的生物。龙有许多动物的特征,例如龟、鱼等。但是,大多情况下龙被描绘成长着四只脚的蛇形动物。传统意义上龙象征强大的、幸运的力量,特别是能够控制水、雨、飓风和洪水。龙还能带给人权利,力气和好运。因此,中国的皇帝常常用龙来象征他
A、10,000.B、7,950.C、240.D、4,750.D细节题。根据文中提到的ThenumberofpeopletakingtheirownlifewasalreadyincreasingintheUS,butt
A、Protectingbuyersofpaintings.B、Whycopiesoffamouspaintingsaremade.C、HowpaintingsaresoldintheUnitedStates.D、Pr
随机试题
工业企业产品制造成本,一般可分为______、______、______。
第一心音减弱最常见于下列哪种情况
风热感冒患者宜选用的中成药是
牙釉质和牙骨质在牙颈部比例最高的相接方式是
A.利湿药B.温热药C.破血药D.滋补药E.开窍药阴虚火旺者忌
经鞣制的整张的全粒面剖层牛皮革(已经进一步加工)
以下属于解放区人民民主政权时期宪法性文件的是()。
纯种赛马是昂贵的商品。一种由遗传缺陷引起的疾病威胁着纯种赛马,使它们轻则丧失赛跑能力,重则瘫痪甚至死亡。因此,赛马饲养者认为,一旦发现有此种缺陷的赛马应停止饲养。这种看法是片面的。因为一般地说,此种疾病可以通过饮食和医疗加以控制。另外,有此种遗传缺陷的赛马
简述知识产权的法律特征。(2013一专一53)
写邮件时,除了发件人地址之外,另一项必须要填写的是()。
最新回复
(
0
)