可可电台，每期节目一话题，让英语磨练耳朵的同时学到更多有益的小知识，丰富知识的同时受益于生活。

Rules to Follow When Lending Money to Friends andFamily

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

你的朋友或亲人可能会在借钱时向你承诺自己是守信、经济稳定且可靠的人，但拜伦•埃利斯表示，“可能会发生什么事导致他们不能按时还款”。埃利斯是一名注册金融理财师，也是美国德克萨斯州伍德兰市联合资本金融顾问公司Ellis & Ellis部门的总经理。

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.

他认为，如果债务人真的陷入困境，那么好朋友或亲人的还款时间可以推到最后期限，“在对方还完房贷，信用卡和汽车贷款等之后”。现在，想象一下当你确实需要那笔钱，但对方却不能还你时，你的压力会倍增，两人的关系也会越来越紧张。

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.

底线：做最坏的打算，借给对方的钱只占手头上的一部分，如果对方不能偿还，那笔资金也不会打乱你的存钱目标、付账能力或其他人际关系。

【知识点讲解】

jeopardize vt.危及；使处于危险境地；影响

例句：

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

如果你对老板没有礼貌，那也许会危及你事业的成功。

Overworking can jeopardize your health.

工作过量可能会危及你的健康。

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