借钱法则-借出的数额在你能承受的范围内(2)

Rules to Follow When Lending Money to Friends and Family

 

借钱给家人和朋友的法则

 

Lend Just What You Can Afford to Lose

 

借出的数额在你能承受的范围内

 

Your friend or family member may check all the boxesfor being trustworthy, financially stable and reliable, but "things can happen that prevent them from paying you back as originally planned," says Byron Ellis, a Certified¹ Financial Planner （TM）and managing director at Ellis and Ellis, a division of United Capital Financial Advisers² in The Woodlands, Texas.

 

If your loanee does get in a bind³, a best friend or family member is going to be relegated⁴ to the end of the payback line, "behindthe mortgage company, the credit cards, the auto⁵ loans, etc.," says Ellis. Now,imagine your stress level and the tension that would rise between you both ifyou actually needed that money—and she couldn't repay you.

 

Bottom line: Be prepared for the worst by giving only an amount that, if never returned, wouldn't jeopardize⁶ your own savings⁷ goals, bill-paying ability or other relationships.

 

 

1 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。

2 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。

3 bind   

vt.捆，包扎；装订；约束；使凝固；vi.变硬

参考例句：

• I will let the waiter bind up the parcel for you.我让服务生帮你把包裹包起来。
• He wants a shirt that does not bind him.他要一件不使他觉得过紧的衬衫。

4 relegated   

v.使降级( relegate的过去式和过去分词 )；使降职；转移；把…归类

参考例句：

• She was then relegated to the role of assistant. 随后她被降级做助手了。
• I think that should be relegated to the garbage can of history. 我认为应该把它扔进历史的垃圾箱。 来自《现代汉英综合大词典》

5 auto   

n.(=automobile)(口语)汽车

参考例句：

• Don't park your auto here.别把你的汽车停在这儿。
• The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。

6 jeopardize   

vt.危及，损害

参考例句：

• Overworking can jeopardize your health.工作过量可能会危及你的健康。
• If you are rude to the boss it may jeopardize your chances of success.如果你对上司无礼，那就可能断送你成功的机会。

7 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。