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外商先期汇入而后被动用的30万元款项以及外商提出因终止合同造成损失24万元应由谁承担，为什么
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Check, draw, rate of exchange, commission, endorse, subject to, current, guaranted, participate, denominations A person who has a (21) account with a bank can obtain cash in other countries in various ways. The most common method is the purchase of travellers cheques. He can also use his Eurocheque card as identification to (22) his cheques. Or he can (23) on his account in his own country, which means that the cashier will have to telephone, cable, or telex his branch for confirmation. He will have to (24) the cheque, that is’ write his signature on the back. Most of the major banks in Europe (25) in the Eurocheque scheme. When cashier handle travellers cheques, they must (26) that the counter signature is the same as the signature. The holder must then produce his passport as identification. When the formalities are completed, the cashier can issue banknotes and coins to the customer, using the current, (27) to calculate how much to issue. Travellers cheques have the advantages of convenience and safety. They can be issued in (28) of 10, 25, 50, 100 and 250, (29) exchange control regulations, they must pay a small (30) , or service charge as it is called in the USA.
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. In the past, mortgage rates were fixed for the life of the mortgage.
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. What can we learn about Africana com
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