Can someone please help me translate this to english (chinese (simplified) to english)

Which is the best option for people who need the items immediately but cannot pay cash now?

Напишите эссе на тему "нужно ли зтанть историю"

The first step in preparing for a speech is to choose a topic. list 6 different possible speech topics that interest you and that would be appropriate for an audience of your peers. 3 of the topics should be informative, and 3 should be persuasive. (site 1)