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
46
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/h6P7777K
0
大学英语六级
相关试题推荐
A、Studentslearnbestbydoingthingsforreal.B、StudentslearnfastinbusinessenvironmentC、Studentslearnfastthroughonli
Childrenwholivenearamainroadareingreaterdangerofcatchingpneumonia(肺炎)becausepollutionfrompassingtrafficdamages
Althoughtherearebodylanguagesthatcancrossculturalboundaries,cultureisstillasignificantfactorinallbodylanguage
Since2007,theAmericanPsychologicalAssociation(APA)hasconductedasurveyofdifferentaspectsofstressinAmerica,Thisye
EatingOurYoung[A]AtFeltonvilleSchoolofArtsandSciences,amiddleschoolinapoorneighborhoodofPhiladelphia,thescho
A、Hediedontheverydayofhis96thbirthday.B、Heclosedhisdoorandneverwentoutinhisnineties.C、Hebecameafamousre
A、Hewastakingpicturesofthescenery.B、Hewaswaitingtoattendasecretmeeting.C、Hewasdoinghisjob.D、Theweatherwas
A、ItwasestablishedinGeorgeWashingtonUniversityin1937.B、ItwasestablishedintheNationalMuseumofAmericanHistoryin
A、TheygotsuccesswiththetrackParklife.B、TheyweredefeatedbyOasis.C、Theyweretheroughworkingclassrockers.D、Theyr
A、Itcanactivateanareaofabrain.B、Itisresponsibleformemory,learningandattention.C、Itcancanceloutthesleep-caus
随机试题
虽然苏轼一直被卷入政治漩涡中,但他_____,超脱于蝇营狗苟的政治斗争之外,纯然表达心之所感,将得失_____。填入画横线部分最恰当的一项是()。
师生关系的本质是什么?我国社会主义新型师生关系的特点有哪些?
乙型脑炎时,浸润的炎细胞围绕血管周围间隙形成套状浸润增生的小胶质细胞环绕一神经元
下列哪种情况下,可使心输出量增加
期货交易与远期交易的区别之一在于()。
根据《票据法》的规定,下列有关汇票背书的表述中,正确的有()。
关于政府开通微博。谈感想。
若某线性表长度为n且采用顺序存储方式,则运算速度最快的操作是_________。
Since1895theNationalTrusthasworkedforthepreservationofplacesofhistoric(1)_____andnaturalbeautyinEngland,Wales
A、Itprovidesthemaccesstonegativeinformation.B、Ithelpsthemmakenewfriends.C、Itdoesn’tgiveproperguidancetotheyo
最新回复
(
0
)