可可電臺，每期節目一話題，讓英語磨練耳朵的同時學到更多有益的小知識，豐富知識的同時受益于生活。

Rules to Follow When Lending Money to Friends andFamily

借錢給家人和朋友的法則

Never Let the Due Date Slide

不要把最后期限一拖再拖

If your dinero doesn't show on time, ignoring thelateness 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 guidelinerather than a rule.

如果對方沒有按時把錢還給你，你還對債務人的拖延毫無感覺，甚至還為對方找各種蹩腳的理由，這樣你就大錯特錯了。對方非常可能依舊我行我素，把你們說好的還款日期當成是一個隨意的參考而已。

Make it more businesslike, so neither of you feelslike you're taking advantage of the other. "I did this the last time I lentmoney to a friend," says Ellis, who suggests putting details about a latepenalty in your written agreement; a friend would have to pay the penalty ontop of the regular payment. This tactic would hopefully save you from having tosend reminders... and save you from regretting your decision to play banker.

所以要更認真對待這件事，這樣雙方都不會覺得自己占了對方便宜。埃利斯說，“最近一次借給朋友錢，我就是這么做的。”他建議在借款協議上寫明所有和滯納金有關的細節，如果朋友沒有按時還錢，到時候不僅要還借款，還要再加上罰金。這樣做就免去你每次都得去提醒對方還錢，也避免讓你后悔當初做了借錢給對方的決定。

A five-day grace period, says Ellis, is reasonablebefore hitting your friend with the fine, since things do happen. If signs arepointing to more serious delinquency—a number of scheduled payments have beenmissed and numerous follow-up emails or phone calls from you are ignored—itmight be a good idea to consult with an attorney. ”If the borrower still doesn’tpay, you can take them to court,” says Prakash.

埃利斯表示，如果朋友過了期限未還錢，在你讓他還借款并支付滯納金之前，最好給對方五天左右寬限日，因為有時的確遇到些麻煩。如果對方拖欠債務的行為越來越惡劣，說好的分期還款有幾次都沒有還，并且對你的郵件和電話也置之不理，這個時候最好的辦法就是咨詢律師接下來要怎么做了。普拉卡什說：“如果這個時候對方還不還錢，那么就得上法庭了。”

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