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An auto loan John Baker works in the loan department of a bank in Denver, Colorado. He is a loan of- ricer. Stanley Fanelli has an appointment with him now to ask about a loan. He needs money to buy a new car. Mr. B: Hello, Mr. Fanelli. Please have a seat. What can I do for you today Mr. F: I want to borrow some money to buy a car. A friend of mine, Jack Richardson, bought a new car last week. He told me that he got his loan here. Mr. B: Oh yes. I remember him. I was the loan officer who spoke with him. Mr. F: He said that you were very helpful. I know very little about loans and I hope you can explain things to me. Mr. B: I will certainly try. What questions did you have for me Mr. F: First, I want to know if loans for buying cars are commercial loans or personal loans. Mr. B: Neither, Mr. Fanelli. They’re auto loans. A commercial loan is principal that banks lend to businesses. Personal loans are made to individuals, but not for buying cars. Mr. F: What about interest rates Mr. B: The rate of interest currently in effect on auto loans is 16%. Mr. F: For how long will I have to make monthly payments Mr. B: The term of the loan is three years, so there will be 36 monthly payments. Mr. F: Do I have to give the bank any collateral Mr. B: The car serves as collateral. If you default, the bank can take possession of the car. The bank also checks your credit file to make sure that you always paid back your loans in the past. Do you have any charge accounts Mr. F: My wife and I bought our furniture with our charge card and we even used it to buy airplane tickets for our vacation in California last year. We paid off both those debts promptly. Mr. B: That’s very good. I assume there will be no problem. But the first thing you have to do is fill out this loan application. Mr. F: Thank you very much. I’ll start right now. State whether each statement is true or false based on the dialogue between John Baker and Stanley Fanelli. Mr. Fanelli doesn’t have any charge accounts.
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Can animals have a sense of humor Sally Blanchard, publisher of a newsletter called the Pet Bird Report, thinks a pet parrot may have pulled her leg. That’s one explanation for the time her African gray parrot, named Bongo Marie, seemed to feign distress at the possible death of an Amazon parrot named Paco. It happened one day when Blanchard was making Cornish game hen for dinner. As Blanchard lifted her knife, the African gray threw back its head and said, "Oh, no! Paco!" Trying not to laugh, Blanchard said, "That’s not Paco," and showed Bongo Marie that the Amazon was alive and well. Mimicking a disappointed tone, Bongo Marie said, "Oh, no," and launched into a hoarse laugh. Was the parrot joking when it seemed to believe the other bird was a goner Did Bongo Marie comprehend Blanchard’s response Studies of African grays have shown that they can understand the meaning of words--for example, that red refers to a color, not just a particular red object. Parrots also enjoy getting a reaction out of humans, and so, whether or not Bongo Marie’s crocodile tears were intentional, the episode was thoroughly satisfying from the parrot’s point of view. When Blanchard was making Cornish game hen for dinner, Bongo Marie acted as if Paco was ______.
Assuming that a constant travel-time budget, geographic constraints and short-term infrastructure constraints persist as fundamental features of global mobility, what long-term results can one expect In high-income regions, (41) North America, our picture suggests that the share of traffic (42) supplied by buses and automobiles will decline as high-speed transport rises sharply. In developing countries, we (43) the strongest increase to be in the shares first for buses and later for automobiles. Globally, these (44) in bus and automobile transport are partially offsetting. In all regions, the share of lowspeed mil transport will probably continue its strongly (45) decline. We expect that throughout the period 1990～2050, the (46) North American will continue to devote most of his or her 1.1-hour travel-time (47) to automobile travel. The very large demand (48) air travel (or high-speed mil travel) that will be manifest in 2050 (49) to only 12 minutes per person a day; a little time goes a long way in the air. In several developing regions, most travel (50) in 2050 will still be devoted to nonmotorized modes. Buses will persist (51) the primary form of motorized transportation in developing countries for decades. (52) important air travel becomes, buses, automobiles and (53) lowspeed trains will surely go on serving vital functions. (54) of the super-rich already commute and shop in aircraft, but average people will continue to spend most of their travel time on the (55) .
Don’t call him just a college professor. Internet entrepreneur, TV personality, advisor to presidents, and friend to the rich and powerful would be more accurate. Henry Louis "Skip" Gates Jr. is better known for his activities outside the academy. This week he sold Africana com, a website he created with a fellow Harvard University professor, to Time Warner. Terms of the deal weren’t revealed, though the Wall Street Journal pegged the price at more than $10 million, with Gates reaping up to $1 million. Time Warner will incorporate the site, a portal with news and information about people of African descent, into America Online when the two merge as expected. The sense is that Gates got a very good deal. The site is a rich source of scholarship but hardly a rich source of revenue. As recently as the late 1980s Gates, who turns 50 this week, was an obscure professor, penning books on literary theory only a graduate student could love. Now he can’t be avoided. He hosted a series about Africa on public television, writes occasional articles for the New Yorker, and even advises the Gore presidential campaign. He counts director Steven Spielberg, Microsoft’s Bill Gates and President Clinton as friends. "They’re not intimate friends," he insists. Indeed, Gates has evolved into a kind of expert on everything African-American. "He remains the go-to person on the state of African-American affairs," said Perry Steinberg, head of American Program Bureau, a lecture agency. The 30 or so speeches Gates delivers each year are another source of income for the professor. With fame comes controversy. Several other black intellectuals have taken him to task for not being confrontational enough. Gates has heard it before. ’"Me Critics Oh, what a shock." But he considers himself more a descendent of historian and educator W. E.B. Du Bois than of Malcolm X. His ultimate goal is to build the field of Afro-American studies. "Fifty years from now I want there to be at least 10 great centers of Afro-American studies," he says. If working as a consultant on Spielberg’s historical film Amistad or giving A1 Gore advice helps, so be it. According to Henry Louis "Skip" Gates Jr. himself, giving advice to A1 Gore is ______.
Applying for a mortgage Susan Thomas and her husband Alan have decided to buy a house. They have seen one that they like and now have to get a mortgage loan. Susan goes to see Joan Bentley. Ms. Bentley works in the mortgage department of the Yorktown Bank in Texas, where the Thomases live. Ms. B: Hello, Mrs. Thomas. How are you today I hear you want to apply for a mortgage loan with us. Mrs. T: That’s right. I hope you have the time to answer some questions, though. My husband and I have never owned any real estate before and we have only elementary ideas about mortgages. Ms. B: I’ll be happy to help you in any way I can. What would you like to ask Mrs. T: First, is there any difference between a mortgage and a mortgage loan I have heard both terms used. Ms. B: Yes there is, although in everyday speech people call the mortgage loan’a mort- gage. The mortgage is actually a written document. In legal terms it is called an instrument of conveyance because it transfers title of property from one party to another. The mortgage loan is, of course, the money that the mortgagee lends to the mortgagor so that the mortgagor can buy a house or some other piece of real property. Mrs. T: I see. That’s clear to me now, but something has been worrying me. Many of my friends have told Alan and me that it won’t be easy to get a mortgage. I don’t know what they mean--Alan and I have always held good jobs. It seems that two good risks like us wouldn’t have much difficulty in getting financing for a new home. Ms. B: The problem isn’t the element of risk. The supply of mortgage money has become very tight lately. Also, with interest rates rising, banks don’t want to lend a large sum of money for 25 or 30 years at a fixed rate. Mrs. T: When you mention fixed rates you remind me that I have been hearing a lot about variable - rate mortgages. I’m not quite sure that I understand exactly what they are, but people say more and more banks are using them now. Ms. B: I can explain them to you. In the past, the borrower or mortgagor paid the same rate of interest over the life of the mortgage. Monthly payments to the bank were the same for 30 years. But with variable-rate mortgages they can be adjusted every six months to changes in the interest rates banks pay on deposits. Mrs. T: That sounds very upsetting to me. What if the borrower gets a very large increase How would he meet his payments Variable - rate mortgages must greatly increase the possibility of the bank’s foreclosing. Ms. B: Not really. The bank can’t adjust the rate more than 1/4 of one percent for any six - month period. And most banks give an initial guaranteed - rate period of six months to five years. During this period, no adjustments are allowed. However, there’s no limit to how much the rate that you pay can rise or fall over the life or the mortgage. Mrs. T: Why have banks begun to insist on variable-rate mortgages The old system seems so much simpler. Ms. B: I’ll admit it was simpler, but changes in conditions have made it difficult for banks to keep the system of fixed - rate mortgages. With certificates of deposit and other term - de- posit accounts, banks now pay very high interest rates to depositors in order to attract their money. These interest rates fluctuate, too, so banks want the protection of variable - rate mortgages. Mrs. T. Your explanation makes me feel more secure about variable -rate mortgages. How much does your bank expect as a down payment Ms. B: Between 10% and 20% of the purchase price. Is that possible for you and your husband Mrs. T: Yes. We have saved enough money for that. I would like to fill out an application. Ms. B: Fine. Here’s one. We will be able to let you know whether we approve it or not in a week or ten days. Mrs. T: Thank you very much. Comprehension check State whether each sentence is true or false based on the dialogue of this lesson. The interest rate on a variable - rate mortgage fluctuates with changes in the interest rate the bank pays its depositors.
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