親兄弟明算帳？What should you do if a friend asks to borrow money from you?by Jeremiah Clark and Chelsea Ewald
American author Henry David Thoreau once said, “The most I can do for my friend is simply be his friend.” For many people, however, the simplicity of friendship becomes complicated when money is involved, often leaving relationships strained. So if one of your friends asks you for money, should you lend it or not?
Conversation
Adam: The other day, Tony told me he has fallen on some hard times, so he asked if he could borrow US$1,000. I’d really like to help him out, but I know it’s a little risky.
Beth: Well, loaning money to friends is no simple matter, especially when it’s such a large amount. I learned that the hard way and personally believe that you should avoid it.
Adam: But he really needs the money. He makes some bad investment and he has accumulate some debts. On top of that, He has just lost his job, and he is having a hard time to make his mortgage payment.
Beth: I think it's great that you want to help Tony. But this seems like a bad situation. What if he can't repay you, are you willing to loose your money forever?
Adam: To me, the most important thing is to affirm my royalty to him even he has made some poor financial decisions. I want to be to a good friend. I guess I just have to run the risk of losing some money.
Beth: Adam, just going to this with your eyes open. If Tony does't pay you back, are you going to become critical and resented? If he spend money on some where else, are you sure Tony is trustworthy?
Adam: I believe he is. I never question his trustworthy before so why would I start it now? Besides, I recently read the study that says: There is nearly 75% of borrowers paid everything back.
Beth: I hope that Tony is not the part of the 25% who don't, but at least hold him accountable for the loan, you might even consider charge him interest.
Adam: I plan to write it down how much he borrowed and when I expect to pay back. But as a friend, I would never charge him interest. I may even gave him an option of paying the loan in monthly installment.
Beth: That's all very well and good. But what if he miss the payment or two payments or he ask you for more money because he's still having problem.
Adam: I will deal with that if it becomes a issue. In the meantime, I plane to talk to Tony about money management. Perhaps some friendly intervention will be helpful.
Beth: Well, It sounds to me that you have made of your mind. I hope it works out for you and Tony gets back on his feet and you get your money back.
More Information:
Fact: Nearly two-thirds of Canadians have loaned or borrowed more than $500 from friends or family. Not surprisingly, more than one-quarter of the people who loaned money reported that the loans were never fully repaid. Here's another statistic that should surprise no one: about one-third of those who agreed to lend money said they felt pressured to do so.
Some Opinions:
***** "Neither a borrower nor a lender be." Why?
Borrowing money from friends allow you to be indiscipline in your finances.
Lending money to friends, you will run the risk of losing that money as well as the good friendship.
*****Be careful and cautious to lend money to others, and fully know where the money goes.
*****Think the three factors before lend the money out:
(1) Your personal relationship with that person and borrower's personality
(2) Your financial ability-amount of money.
(3) Where the borrow money is going and situation.
***** Friend and Money don't mix, should separate
Lend money to friends is not doing them a favor.
Lend money to friends is harm them instead of good.
Lend Money sometimes will destroy the friendship
Grammar
At least hold him accountable for the loan.
to hold someone accountable = expect someone to be responsible for something
The scientist was held accountable for his own research.
The team leader was held accountable for his team members' performance.
Vocabulary
strained (adj)- 紧绷的，紧张的．strain(v)-拉紧，伸张．
Sarah's relationship with her boyfriend became strained after he forget her birthday.
* When the company lost their biggest client, pressure was put on their strained finances.财务吃紧 * The teacher's expression became strained when her student talked back.脸部表情,紧绷起来
hard time (idiom)- difficult time in finances or other area.
Many people have fallen on hard times because of the poor state of the economy.
accumulated-累积，堆积get more and more over the period of time.
So much snow accumulated on the roads that school was canceled for the day.
*He has accumulated so many things from shopping at the flea market.
*Sherry has accumulated many storybooks during her 25 years of being an elementary school teacher.
run the risk (idiom)-冒险 risk- 风险，危险
If you cheat on the test, you run the risk of getting caught and failing.
run the risk of something -冒某种风险
You run the risk of having to wait at the restaurant if you don't make a reservation.没订位的风险
*You're running the risk of getting lung cancer if you don't quit smoking.
simplicity -simple, opposite of difficulty
fallen on some hard time- encounter something difficulties.
resent (v)- bitter, angry, unhappy, never quite forgive that person.
I resent your rude comment. It really hurt my feelings.
accountable (adj)-responsible.应付的责任
In a court of law, criminals are held accountable for their crimes.
*The mayor needs to be more accountable to the city's residents by being more honest with them.
Hold someone accountable for something-让某人对某事负责．
*The parents should be held accountable for the years of abuse they brought upon their children. 多年虐待孩子
installment (n)-pay a part of large amount money monthly or weekly.分期付款，贷款分期
When Jill bought her car, she agreed to pay it off in 36 monthly installments.
*The monthly loan installment is $150.
in installments-以分起方式 We paid off our credit card in installments.
intervention (n)-介入，干涉taing a part or influence the issue. inter-二者之间
After his friend's intervention, Sam realized he was drinking too much and saw a counselor.
*Early intervention programs can keep at-risk teenagers from dropping out of school.预防方式的协助方案，可以让快要缀学的孩子留在学校．
*The government's intervention failed to stabilize the stock market.未能稳定
get back on one's feet-被打倒了，重新爬起站立．get on track.
Chat Room
simply- (1)仅仅是，只不过＝just, (2)非常的，很．
simply wonderful- absolutely wonderful非常的好
I'm doing simply wonderful-我很好．我非常的好．
This is simply delicious-真的非常好吃．
The most I can do for my friend is simply be his friend.仅仅是，只是
simple is opposite of complex复杂. complex/complicated 都是复杂的意思
complex- 客观的复杂．the human mind is very complex.大家都认为认得头脑是相当复杂的．
complicated -主观的复杂this game is complicated. 这游戏对我来说很复杂．
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in the meantime=meanwhile, 指二件事之间的一段时间,但不能说in the meanwhile.
是meanwhile． 如台风要来，在来之前，要做好准备
in the meantime / meanwhile 是transitions 时间上的转变．
"before, afterward, earlier, later.." 都是很实用的transitions
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