可可電臺(tái)，每期節(jié)目一話(huà)題，讓英語(yǔ)磨練耳朵的同時(shí)學(xué)到更多有益的小知識(shí)，豐富知識(shí)的同時(shí)受益于生活。

Rules to Follow When Lending Money to Friends andFamily

借錢(qián)給家人和朋友的法則

Lend Just What You Can Afford to Lose

借出的數(shù)額在你能承受的范圍內(nèi)

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 Certified Financial Planner （TM）and managing director at Ellis and Ellis, a division of United Capital Financial Advisers inThe Woodlands, Texas.

你的朋友或親人可能會(huì)在借錢(qián)時(shí)向你承諾自己是守信、經(jīng)濟(jì)穩(wěn)定且可靠的人，但拜倫•埃利斯表示，“可能會(huì)發(fā)生什么事導(dǎo)致他們不能按時(shí)還款”。埃利斯是一名注冊(cè)金融理財(cái)師，也是美國(guó)德克薩斯州伍德蘭市聯(lián)合資本金融顧問(wèn)公司Ellis & Ellis部門(mén)的總經(jīng)理。

If your loanee does get in a bind, a best friend orfamily member is going to be relegated to the end of the payback line, "behindthe mortgage company, the credit cards, the auto 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.

他認(rèn)為，如果債務(wù)人真的陷入困境，那么好朋友或親人的還款時(shí)間可以推到最后期限，“在對(duì)方還完房貸，信用卡和汽車(chē)貸款等之后”。現(xiàn)在，想象一下當(dāng)你確實(shí)需要那筆錢(qián)，但對(duì)方卻不能還你時(shí)，你的壓力會(huì)倍增，兩人的關(guān)系也會(huì)越來(lái)越緊張。

Bottom line: Be prepared for the worst by givingonly an amount that, if never returned, wouldn't jeopardize your own savingsgoals, bill-paying ability or other relationships.

底線(xiàn)：做最壞的打算，借給對(duì)方的錢(qián)只占手頭上的一部分，如果對(duì)方不能償還，那筆資金也不會(huì)打亂你的存錢(qián)目標(biāo)、付賬能力或其他人際關(guān)系。

【知識(shí)點(diǎn)講解】

jeopardize vt.危及；使處于危險(xiǎn)境地；影響

例句：

If you are rude to the boss, it may jeopardize your chance of success.

如果你對(duì)老板沒(méi)有禮貌，那也許會(huì)危及你事業(yè)的成功。

Overworking can jeopardize your health.

工作過(guò)量可能會(huì)危及你的健康。

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