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
Mility Hopson’s attitude towards lending money to family is______.
Mility Hopson’s attitude towards lending money to family is______.
admin
2015-09-30
65
问题
Mility Hopson’s attitude towards lending money to family is______.
Interviewer(M)Mility Hopson(W)
M: What if one day, one member of your family turns to you for lending him or her some money? 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:(1)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:(2- 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,(2 - 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:(2 - 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,(3 - 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. 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.(3 - 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.
W: Absolutely. But it’s worse if you feel tremendous guilt and do something that you don’t want to do. You do it and it doesn’t go well. That’s a really bad situation. So on the front-end, maybe you can advise them to go to someone else, maybe you can cosign for a loan for them at the bank, really to create that kind of distance that might be meeting them halfway.
M: This is so loaded, because it is not just the stranger, right? This is all the family history, all the arguments, all the little things you did with your brother, sister or your parents, whatever you get loaded from the back-end with emotions.
W: There is no question about it, and there are certain people that think the family bank should always be open. That is not the case. There are also in most families a go-to person, who gets called again and again, because there is a sense that they are good with money, they have the money and can loan it. And so those things just create tremendous stress around these issues in families.
M: But it is hard to say no. You love this person, right? You want to help them out. But this maybe not be the best thing for the person.
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:(4)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 life style 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,(5)if I 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: It’s also good for your own self-esteem. As you two get terms here, you are going to pay him back.
W: There is no question about it. One interesting idea. Let’s just say for some reason a family member doesn’t pay you back, try having them work off the money. They may do the baby-sitting that you need done or mowing the lawn or things like that.
M: I don’t know any of my relatives would like to clean windows. Millity Hopson, thanks a lot for the good advice.
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(2一1)提出建议一:不能负担就不借,故排除[A];句(2—2)提出建议二:如果借了会破产也不要借,故排除[B];句(2—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。
转载请注明原文地址:https://kaotiyun.com/show/sBKO777K
0
专业英语八级
相关试题推荐
______isthefirstimportantgovernessnovelintheEnglishliteraryhistory.
1 Manypeopleseemtothinkthatsciencefictionistypifiedbythecoversofsomeoftheoldpulpmagazines;theBug-eyedMons
ConversationalSkillsPeoplewhousuallymakeusfeelcomfortableinconversationsaregoodtalkers.Andtheyhavesomething
ThreeMainLiteraryFormsⅠ.PoetryEssentialfeatures:—formandmusic—evoking【1】【1】___
ThreeMainLiteraryFormsⅠ.PoetryEssentialfeatures:—formandmusic—evoking【1】【1】___
Abouthalfoftheinfantandmaternaldeathsindevelopingcountriescouldbeavoidedifwomenhadusedfamilyplanningmethods
Abouthalfoftheinfantandmaternaldeathsindevelopingcountriescouldbeavoidedifwomenhadusedfamilyplanningmethods
TipsforEffectiveStudy1.Takegoodnotes.Suggestions:—Takenotesforaparticularclassin【1】;—Dateeach
Accordingtotheinterview,whatdoesyellowjournalismmean?
A、Thescrutinyofthelocalauthority.B、Thereaders’protestagainsthighprices.C、EfficientstaffinTheJournal.D、Thelowp
随机试题
胃十二指肠急性穿孔常呈气腹征,腹部叩诊______消失,X线检查显示______。
直线制组织结构适合于()。
A、采用化学发光剂作为酶反应底物B、用化学发光剂直接标记抗原或抗体C、抗体包被在磁颗粒表面D、发光底物是二价的三联吡啶钌E、以荧光物质标记抗体电化学发光免疫采用
2003年5月王某(男)与赵某结婚,双方书面约定婚后各自收入归个人所有。2005年10月王某用自己的收入购置一套房屋。2005年11月赵某下岗,负责照料女儿及王某的生活。2008年8月王某提出离婚,赵某得知王某与张某已同居多年。法院应支持赵某的下列哪些主张
某市为了整顿市容,成立了由公安、城管和工商三家单位组成的市容整顿联合执法队。在整顿过程中,执法队发现某饭馆在门口摆设桌椅进行营业,执法队认为该饭馆的这种做法严重地影响了市容的整齐和美观效果,随即告知饭馆老板进行清理。次日,该执法队再次巡查时发现该饭馆照旧进
几乎所有与社会经济现象有关的统计数据都是()。
事务文书主要包括()
通过法律,人们可以知道什么是国家赞成的,可以做的;什么是国家反对的,必须做或者不该做的。这种作用就是法律的()。
十进制数18转换成二进制数是()。
Imagineeatingeverythingdeliciousyouwant-withnoneofthefat.Thatwouldbegreat,wouldn’tit?New"fakefat"produ
最新回复
(
0
)