My mom's advice: "Neither a borrower nor a lender be." This especially includes family and friends, because the results can often ruin a relationship. If the favor involves money, borrow it from a legitimate lending agency, like the bank. This way there is a legal, binding contract between the lender and the borrower. It will save a lot of hard feelings. If you insist on lending or giving money to someone, don't automatically expect that it will be returned. Many times the borrower resents being asked for its repayment, and the lender becomes the "bad guy".
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