EP342 借钱 | 日常生活

My name is Marco.

My name is Marco.

My name is Catherine, and today we're tackling a very difficult issue for many English learners.

My name is Catherine, and today we're tackling a very difficult issue for many English learners.

We're talking about uh taking things from other people and giving them back.

We're talking about uh taking things from other people and giving them back.

That's right, so today we are going to talk about money, and we're gonna Lend money and borrow money, and we're gonna talk more about this after we listen to the dialogue.

That's right, so today we are going to talk about money, and we're gonna Lend money and borrow money, and we're gonna talk more about this after we listen to the dialogue.

Can I borrow 5 bucks?

Can I borrow 5 bucks?

No.

No.

Come on, I'll pay you back on Tuesday.

Come on, I'll pay you back on Tuesday.

Last time I lent you money, you never paid me back.

Last time I lent you money, you never paid me back.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

OK, but I'm taking your skateboard as collateral.

OK, but I'm taking your skateboard as collateral.

Fine, I can't believe you don't trust me. It's nothing personal, just business.

Fine, I can't believe you don't trust me. It's nothing personal, just business.

All right, so now let's take a look at that language on language takeaway.

All right, so now let's take a look at that language on language takeaway.

Language takeaway.

Language takeaway.

So first up, we have the key verbs for today.

So first up, we have the key verbs for today.

The verb to borrow, and to lend.

The verb to borrow, and to lend.

Right?

Right?

Now, this is a really important uh difference to make, because many people make this mistake where they use the wrong verb.

Now, this is a really important uh difference to make, because many people make this mistake where they use the wrong verb.

That's true.

That's true.

Now, if I ask you, Marco, can I borrow your bicycle?

Now, if I ask you, Marco, can I borrow your bicycle?

hmm-hmmThat means, can I take your bicycle from you, and then later I'll give it back, but I wanna use it.

hmm-hmmThat means, can I take your bicycle from you, and then later I'll give it back, but I wanna use it.

Right.

Right.

So, the verb is kind of reflexive, it's going on to you.

So, the verb is kind of reflexive, it's going on to you.

You want to borrow.

You want to borrow.

Right, I want to borrow, I wanna take it from you for a short time, and then I want to give it back.

Right, I want to borrow, I wanna take it from you for a short time, and then I want to give it back.

So, to borrow.

So, to borrow.

Right, now the other verb is to lend, and that on the other, on the other hand, goes from me to you. So, you borrow my bicycle.

Right, now the other verb is to lend, and that on the other, on the other hand, goes from me to you. So, you borrow my bicycle.

I lend you my bicycle.

I lend you my bicycle.

I give it to you.

I give it to you.

That's right.

That's right.

So, another way of asking can I borrow is, can you lend me, right, your bike?

So, another way of asking can I borrow is, can you lend me, right, your bike?

That means can you act, can you do this thing for me?

That means can you act, can you do this thing for me?

So, there's two of different ways of saying it, and it's very important to remember who is doing what. Exactly, so remember the person taking.

So, there's two of different ways of saying it, and it's very important to remember who is doing what. Exactly, so remember the person taking.

Is borrowing, the person giving is lending.

Is borrowing, the person giving is lending.

So, it's not correct, and remember to, and it's not correct to say, can you borrow me your bicycle?

So, it's not correct, and remember to, and it's not correct to say, can you borrow me your bicycle?

uh, That's not right.

uh, That's not right.

No, can you lend me?

No, can you lend me?

Like, can you lend me a hand?

Like, can you lend me a hand?

Can you help me?

Can you help me?

Right.

Right.

So remember this, to borrow is something I do.

So remember this, to borrow is something I do.

I wanna borrow from you.

I wanna borrow from you.

um, It's the it's the person, the subject in a sentence, but in the case of lending, someone else is doing it.

um, It's the it's the person, the subject in a sentence, but in the case of lending, someone else is doing it.

So can you lend?

So can you lend?

To me, or can you lend it to him?

To me, or can you lend it to him?

You have to say who it's being lent to.

You have to say who it's being lent to.

Exactly, and as you said, who it's being lent to. So, the uh past tense of lend is lent.

Exactly, and as you said, who it's being lent to. So, the uh past tense of lend is lent.

Yeah, so Marco lent me his bike last week, and I broke it.

Yeah, so Marco lent me his bike last week, and I broke it.

So now I have to pay him a lot of money.

So now I have to pay him a lot of money.

You have to pay me 5 bucks, and that's our next word.

You have to pay me 5 bucks, and that's our next word.

Bucks bucks.

Bucks bucks.

Now this is a slang term, so this is something we say very casually in America.

Now this is a slang term, so this is something we say very casually in America.

Mm hmm.

Mm hmm.

When we want to talk about dollars, right?

When we want to talk about dollars, right?

So one buck is one dollar.

So one buck is one dollar.

Uh huh.

Uh huh.

100 bucks is 100 dollars.

100 bucks is 100 dollars.

All right.

All right.

Now it it as you said it's very American.

Now it it as you said it's very American.

You wouldn't really use it like uh I don't know if you're in Britain, you wouldn't say 100 bucks.

You wouldn't really use it like uh I don't know if you're in Britain, you wouldn't say 100 bucks.

No, you would say quid, quid, yeah, exactly.

No, you would say quid, quid, yeah, exactly.

So they don't have dollars, so they don't say bucks, not in England.

So they don't have dollars, so they don't say bucks, not in England.

All right, very good.

All right, very good.

So we wanted to borrow 5 dollars, and um well, he's, and that person promised to pay you back on Tuesday.

So we wanted to borrow 5 dollars, and um well, he's, and that person promised to pay you back on Tuesday.

I'll pay you back on Tuesday.

I'll pay you back on Tuesday.

All right, so this is a lot like that verb to lend, to lend him.

All right, so this is a lot like that verb to lend, to lend him.

To pay you, you have to say who you're gonna pay, right?

To pay you, you have to say who you're gonna pay, right?

So Marco, I'm sorry about your bicycle.

So Marco, I'm sorry about your bicycle.

I will pay you back tomorrow.

I will pay you back tomorrow.

OK.

OK.

That means I will give you money for it.

That means I will give you money for it.

Tomorrow.

Tomorrow.

Mm hmm.

Mm hmm.

So, if you borrow money, you have to pay it back.

So, if you borrow money, you have to pay it back.

All right, so, I wanna borrow 5 dollars.

All right, so, I wanna borrow 5 dollars.

I promise I will pay you back.

I promise I will pay you back.

Thursday, very good.

Thursday, very good.

OK, and now lastly, we we will lend money, but of course we need a guarantee.

OK, and now lastly, we we will lend money, but of course we need a guarantee.

We make, we need something to make sure that you will pay me back.

We make, we need something to make sure that you will pay me back.

So, that's called collateral.

So, that's called collateral.

All right, now collateral is important because sometimes you can't you can't trust someone.

All right, now collateral is important because sometimes you can't you can't trust someone.

Mm hmm.

Mm hmm.

Like you say, Marco, and so, for example, if I want to rent a bicycle, so I want to use it for the day, maybe there's a store For that they rent bicycles.

Like you say, Marco, and so, for example, if I want to rent a bicycle, so I want to use it for the day, maybe there's a store For that they rent bicycles.

Mm hmm.

Mm hmm.

People, um, I would give my passport or my driver's license as collateral, right?

People, um, I would give my passport or my driver's license as collateral, right?

Because I will definitely return to take my the driver's license or passport back.

Because I will definitely return to take my the driver's license or passport back.

So that's That's basically a a sign of a promise, right?

So that's That's basically a a sign of a promise, right?

Money or um uh identification or some object.

Money or um uh identification or some object.

That's right.

That's right.

So usually, for example, if you're gonna get a very big loan at the bank, they will ask you for some something as collateral.

So usually, for example, if you're gonna get a very big loan at the bank, they will ask you for some something as collateral.

So maybe you will have to give them your house.

So maybe you will have to give them your house.

As collateral.

As collateral.

So, you're saying if I can't pay you back, then you can take my house.

So, you're saying if I can't pay you back, then you can take my house.

That's right.

That's right.

So, collateral is the last word in language takeaway.

So, collateral is the last word in language takeaway.

But we do have some great phrases for you coming up. In fluency builder.

But we do have some great phrases for you coming up. In fluency builder.

Can I borrow 5 bucks?

Can I borrow 5 bucks?

No.

No.

Come on, I'll pay you back on Tuesday.

Come on, I'll pay you back on Tuesday.

Last time I lent you money, you never paid me back.

Last time I lent you money, you never paid me back.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

OK, but I'm taking your skateboard as collateral.

OK, but I'm taking your skateboard as collateral.

Fine, can't believe you don't trust me. It's nothing personal, just business.

Fine, can't believe you don't trust me. It's nothing personal, just business.

Alright, we're back, so let's take a look at these phrases on Fluency Builder.

Alright, we're back, so let's take a look at these phrases on Fluency Builder.

Fluency Builder.

Fluency Builder.

So, Mark, these are two friends talking, and the way they talk to each other is very casual, right?

So, Mark, these are two friends talking, and the way they talk to each other is very casual, right?

Mm hmm.

Mm hmm.

So we hear at the beginning, uh, can I borrow 5 bucks?

So we hear at the beginning, uh, can I borrow 5 bucks?

No.

No.

Come on.

Come on.

Right.

Right.

So what is this, come on?

So what is this, come on?

Come on.

Come on.

It's it's a persuasive phrase.

It's it's a persuasive phrase.

It's one of those phrases where you're trying to convince or persuade people, and you can use it as an interjection in many situations.

It's one of those phrases where you're trying to convince or persuade people, and you can use it as an interjection in many situations.

So For example, here, come on, lend it to me, lend me some money, I'll pay you back.

So For example, here, come on, lend it to me, lend me some money, I'll pay you back.

You're trying to convince that person.

You're trying to convince that person.

Please, yes, exactly.

Please, yes, exactly.

But what about um this situation?

But what about um this situation?

I'm running late, I have to go, and um my friend, she's still sitting at her Desk maybe at work, and it's taking forever.

I'm running late, I have to go, and um my friend, she's still sitting at her Desk maybe at work, and it's taking forever.

I said, come on, let's go.

I said, come on, let's go.

Right, it's like hurry up, hmm?

Right, it's like hurry up, hmm?

Move it.

Move it.

All right, so it's a way of getting someone to do something.

All right, so it's a way of getting someone to do something.

You want them to follow you.

You want them to follow you.

Exactly.

Exactly.

And now talking about money again, the person promised to repay the money.

And now talking about money again, the person promised to repay the money.

He said, I'll pay you back on Tuesday.

He said, I'll pay you back on Tuesday.

But then he also said, I will repay you in full next week.

But then he also said, I will repay you in full next week.

In full, now remember this is important, I will repay you in full.

In full, now remember this is important, I will repay you in full.

That means I won't repay you a little bit, and then a little bit later, I will repay you everything next week.

That means I won't repay you a little bit, and then a little bit later, I will repay you everything next week.

Right, exactly.

Right, exactly.

So, if you have to pay or repay someone in full, you have to give them the entire amount, not just a part of it.

So, if you have to pay or repay someone in full, you have to give them the entire amount, not just a part of it.

That's right, in full, full means everything.

That's right, in full, full means everything.

And the final phrase is the very last line of today's dialogue.

And the final phrase is the very last line of today's dialogue.

It's nothing personal, it's just business.

It's nothing personal, it's just business.

I think this is a a common phrase, when that people use, when maybe doing business with friends or people you know.

I think this is a a common phrase, when that people use, when maybe doing business with friends or people you know.

You know, maybe you're asking for collateral, and the guy's like, I can't believe you don't trust me, and I'm your brother, and he's like, it's nothing personal, it's just business.

You know, maybe you're asking for collateral, and the guy's like, I can't believe you don't trust me, and I'm your brother, and he's like, it's nothing personal, it's just business.

It's a way to say listen, this is not about you and me, this is about my rules.

It's a way to say listen, this is not about you and me, this is about my rules.

And when I give something to someone, I always ask for collateral, so it's just business, it's just my my way of doing this.

And when I give something to someone, I always ask for collateral, so it's just business, it's just my my way of doing this.

Exactly.

Exactly.

So it's a good phrase to use if you're doing maybe business withuh, A friend, and of course, maybe you're setting these rules, and the friend, maybe your friend feels a little bit offended, and you say, hey, it's nothing personal, it's just business. Nothing personal. So, that's the last phrase.

So it's a good phrase to use if you're doing maybe business withuh, A friend, and of course, maybe you're setting these rules, and the friend, maybe your friend feels a little bit offended, and you say, hey, it's nothing personal, it's just business. Nothing personal. So, that's the last phrase.

Let's take a listen to the dialogue again, and we'll be right back.

Let's take a listen to the dialogue again, and we'll be right back.

Can I borrow 5 bucks?

Can I borrow 5 bucks?

No.

No.

Come on, I'll pay you back on Tuesday.

Come on, I'll pay you back on Tuesday.

Last time I lent you money, you never paid me back.

Last time I lent you money, you never paid me back.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

I promise, if you lend me 5 dollars today, I will repay you in full next week.

OK, but I'm taking your skateboard as collateral.

OK, but I'm taking your skateboard as collateral.

Fine, I can't believe you don't trust me. It's nothing personal, just business.

Fine, I can't believe you don't trust me. It's nothing personal, just business.

All right, so lending money, borrowing money.

All right, so lending money, borrowing money.

Now, as you, as we mentioned, uh, sometimes you have people that ask you for money.

Now, as you, as we mentioned, uh, sometimes you have people that ask you for money.

Now, did you ever have that friend that always asked you for money and never repaid you?

Now, did you ever have that friend that always asked you for money and never repaid you?

Yes.

Yes.

Like a dollar at a time.

Like a dollar at a time.

Hey, can I borrow a dollar?

Hey, can I borrow a dollar?

Can I borrow 5 dollars?

Can I borrow 5 dollars?

Yeah, always.

Yeah, always.

And uh actually this friend He would borrow 10 dollars.

And uh actually this friend He would borrow 10 dollars.

Mm hmm.

Mm hmm.

And he would say, oh oh oh, I'll I'll buy you a coffee tomorrow.

And he would say, oh oh oh, I'll I'll buy you a coffee tomorrow.

I say, what?

I say, what?

A 10 dollar coffee?

A 10 dollar coffee?

I don't think so.

I don't think so.

Ha ha ha.

Ha ha ha.

So it was always uneven, I paid more, and he never repaid me in full.

So it was always uneven, I paid more, and he never repaid me in full.

Full, right?

Full, right?

Yeah, yeah.

Yeah, yeah.

So, Yeah, and actually, I think um if you add up all those little um that little amount of money that maybe some friends borrowed from you, would be a a quite a decent amount.

So, Yeah, and actually, I think um if you add up all those little um that little amount of money that maybe some friends borrowed from you, would be a a quite a decent amount.

I had many friends would be like Hey, can I borrow a dollar?

I had many friends would be like Hey, can I borrow a dollar?

Or you know, even like 25 cents at a time.

Or you know, even like 25 cents at a time.

It it would add up over time.

It it would add up over time.

After a couple years, yeah, that's that's like a whole dinner.

After a couple years, yeah, that's that's like a whole dinner.

Exactly.

Exactly.

So um, wha what do you call these people?

So um, wha what do you call these people?

The the the word in English, that's a slang word, is called a mooch.

The the the word in English, that's a slang word, is called a mooch.

A mooch, right?

A mooch, right?

He's a mooch, it means he's always Taking money from people, or asking other people to pay for his dinner, or staying at someone's house.

He's a mooch, it means he's always Taking money from people, or asking other people to pay for his dinner, or staying at someone's house.

So, a mooch is someone who tries to get things for free.

So, a mooch is someone who tries to get things for free.

Right, that's exactly it.

Right, that's exactly it.

I I had friends like this that would for food as well, like maybe I brought my lunch, but what this is in school obviously, and they would mooch off me like half my sandwich.

I I had friends like this that would for food as well, like maybe I brought my lunch, but what this is in school obviously, and they would mooch off me like half my sandwich.

Oh!

Oh!

Can I have some chips, can I have some juice?

Can I have some chips, can I have some juice?

Exactly.

Exactly.

That's yeah, that's mooch behavior.

That's yeah, that's mooch behavior.

So that's the verb to mooch off someone.

So that's the verb to mooch off someone.

Yeah, to mooch off someone, but it's also a noun.

Yeah, to mooch off someone, but it's also a noun.

He's a mooch, he's a mooch.

He's a mooch, he's a mooch.

hmm, Very interesting stuff.

hmm, Very interesting stuff.

Maybe you have a friend that was a mooch or maybe even yourself back in the day so.

Maybe you have a friend that was a mooch or maybe even yourself back in the day so.

Let us know how it works in your country.

Let us know how it works in your country.

If you lend money to people, family members, do you ask for collateral?

If you lend money to people, family members, do you ask for collateral?

Or do you just forget about it?

Or do you just forget about it?

Let us know.

Let us know.

Our website is englishpod dot com. We'll see you guys there. Bye.

Our website is englishpod dot com. We'll see you guys there. Bye.