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当有人向你借钱时的5点意见

来源: 英语作文网 时间: 2016-06-15 阅读:
Rule 1: Only Say Yes if You Mean It
 
If you feel guilt-tripped into making the loan by the asker ("I'm desperate!") or you question your own hesitation1 ("I must be a bad person or I wouldn't feel conflicted"), then turn her down, says Levine.
 
If you do cough up the cash when you aren't sure you want to, you risk feeling resentful, and that can cripple the relationship before it's even time for her to repay you. Not going through with the loan doesn't make you selfish or a bad friend; the response may actually protect your bond, she adds.
 
Rule 2: Lend Just What You Can Afford to Lose
 
Your friend or family member may check all the boxes for being trustworthy, financially stable and reliable, but "things can happen that prevent them from paying you back as originally planned," says Byron Ellis, a Certified2 Financial Planner (TM) and managing director at Ellis and Ellis, a division of United Capital Financial Advisers3 in The Woodlands, Texas.
 
Rule 3: Create a Firm Repayment4 Timeline
 
Rule 4: Always Put the Loan in Writing
 
Rule 5: Never Let the Due Date Slide
 
If your dinero doesn't show on time, ignoring the lateness or making excuses for not confronting the borrower would be a mistake. She might continue going along as if the due date you set is a loose guideline rather than a rule.
 
Make it more businesslike, so neither of you feels like you're taking advantage of the other.



  
1 hesitation     
n.犹豫,踌躇
参考例句:
  • After a long hesitation, he told the truth at last.踌躇了半天,他终于直说了。
  • There was a certain hesitation in her manner.她的态度有些犹豫不决。


  • 2 certified     
    a.经证明合格的;具有证明文件的
    参考例句:
  • Doctors certified him as insane. 医生证明他精神失常。
  • The planes were certified airworthy. 飞机被证明适于航行。


  • 3 advisers     
    顾问,劝告者( adviser的名词复数 ); (指导大学新生学科问题等的)指导教授
    参考例句:
  • a member of the President's favoured circle of advisers 总统宠爱的顾问班子中的一员
  • She withdrew to confer with her advisers before announcing a decision. 她先去请教顾问然后再宣布决定。


  • 4 repayment     
    n.偿还,偿还款;报酬
    参考例句:
  • I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
  • The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。



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