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Hello everyone and welcome to Englishpod. My name is Marco.

My name is Catherine and today were tackling a very difficult issue for many English learners were talking about 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 to lend money and borrow money or we’re gonna talk more about this after we listen to the dialogue.

A: Can I borrow five bucks?

B: No!

A: Come on! I’ll pay you back on Tuesday.

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

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

B: Ok, but I’m taking your skateboard as collateral.

A: Fine! I can’t believe you don’t trust me.

B: It’s nothing personal, just business.

All right so now let’s take a look at that language on language take away.

language take away.

So first up we have the key verbs for today. The verb to borrow and to lend.

right

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

that’s right.

now if I ask you Marco, can I borrow your bicycle. That means can I take your bicycle from you and then later I’ll give it back, but I want to use it

right so the verbs, reflexive is going on to you. You want to borrow. right?

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

right now, The other verb is to lend and then on the other, On the other hand, goes from me to you so you borrow my bicycle. I lend you my bicycle. I give it to you.

That’s right. 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 so there’s two different ways of saying it is very important to remember who is doing what.

exactly, so remember the person taking is borrowing the person giving his lending so it’s not correct. And remember to and it’s not correct to say can you borrow me your bicycle and that’s not right

no. Can you lend me like can you lend me a hand. Can you help me.

right

so member this to borrow is something I do I want to borrow from you. it’s the, it’s the person the subject of a sentence but in the case of lending someone else is doing it so can you lend to me or can you lend it to him. You have to say who it’s being lent to.

exactly and as you said who it’s being lent to. So the past tense of the land is length.

Yeah. So Marco lent me his bike last week and I broke it. So now I have to pay him a lot of money.

you have to pay me five bucks and that’s the next word box.

box. Now this is a slang term. So this is something we say fake casually in America want to talk about dollars.

right

so one buck is one dollar. A hundred bucks is $100.

All Right now it is. He said it’s very American you and really use it like if you’re in Britain you and say hundred bucks.

Oh, you would say quit.

quit exactly.

So they don’t have dollars so they don’t say box not in England.

All right very good so we wanted to borrow five dollars and what he’s in that person promised to pay you back on Tuesday. I’ll pay you back on Tuesday.

All right so This a lot like that verb to lend. to lend him to pay you, you have to say who you gonna pay right. so Marco, I’m sorry about your bicycle. I will pay you back tomorrow.

okay that means I will give you money for it tomorrow.

so if you borrow money you have to pay it back.

right. So I want to borrow five dollars. I promise I will pay you back Thursday.

very good. okay and now Lastly, we will lend money, but of course we need a guarantee we meet we need something to make sure that you will pay me back so that’s called collateral.

All right now Collateral is important because sometimes you can’t. You can’t trust someone like you say, Marco, and so for example if I want to rent a bicycle so want to use it for the day. Maybe there’s a store that they rent bicycles people. I would give my passport for my drivers license as collateral has.

Right

because I will definitely return to take my drivers license or passport back so that that’s basically as a sign of promise.

Right

money or identification or some object.

that’s right. So usually, for example, if you get a 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 as collateral. So you’re saying if I can’t pay you back and you can take my house.

that’s right so collateral is the last word in language take labor we do have some great phrases for you coming up in fluency builder.

A: Can I borrow five bucks?

B: No!

A: Come on! I’ll pay you back on Tuesday.

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

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

B: Ok, but I’m taking your skateboard as collateral.

A: Fine! I can’t believe you don’t trust me.

B: It’s nothing personal, just business.

All right We’re back So listing look at these phrases on fluency builder.

fluency builder.

So Marco these are two friends talking and the way they talk to each other’s by casual right. So we hear the beginning. Can I borrow five bucks no come on.

right

so it is is come on

it’s it’s a persuasive phrase is one of those phrases we are trying to convince or persuade people and you can use it as an interjection in many situations. So for example you come on, lend it to me. Lend me some money I’ll pay you back your trying to convince

Please

Yeah, exactly.

but what about the situation I’m running late. I have to go and my friend that she is still sitting at her desk may be at work and it’s taking forever. I said come on let’s go.

right. It’s like hurry up, move it.

All right so it’s it’s a way of getting someone to do something you want them to follow you.

and exactly and now talking about money again that the person promised to repay the money. He said I’ll pay you back on Tuesday but he also said I will repay you in full next week.

in full. Now remember, this is important, I will repay you and full means I won’t repay you a little bit and then a little bit later I will repay you everything next week.

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

That’s right, in full for means everything in the final phrases. The very last line of today’s dialogue. It’s nothing personal it’s just business.

I think this is a common phrase when the people use when maybe doing business with friends or people you know. Maybe you’re asking for collateral and the guys like you can’t believe you don’t trust me on your brothers like 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, I give something to someone. I always ask for collateral such as business, it’s just my my way of doing this.

exactly. So it’s a good phrase to use if you’re doing may be business with a friend and of course when you’re sitting these rules in different maybe your friend feels a little bit offended that you say hey it’s nothing personal it’s just business.

nothing personal. So the last phrase let’s take a listen to the dialogue again and we’ll right back.

A: Can I borrow five bucks?

B: No!

A: Come on! I’ll pay you back on Tuesday.

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

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

B: Ok, but I’m taking your skateboard as collateral.

A: Fine! I can’t believe you don’t trust me.

B: It’s nothing personal, just business.

All right so lending money borrowing money now as you as we mentioned, sometimes you have people that ask you for money. Now did you ever have that friend that always ask you for money and never repaid you?

yes like a dollar is a lake in a borrowed dollar, five dollars,

Yeah always and actually this friend he would borrow $10 and is all I’ll I’ll buy you coffee tomorrow. I say what a $10 coffee. I don’t think so. So it’s always uneven. I paid more, and he never repaid me in full.

right now so actually I think if you add up all those little that little amount of money that maybe some friends borrowed from you would be quite a decent amount. I had many friends would be like hey can I borrow a dollar or even like $0.25 at a time. It would add up

after couple years. Ya that that’s the whole dinner.

exactly. So what you call these people that

the word in English? that’s slang word is called a mooch

A mooch, right.

horizon 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 mooch is someone who tries to get things for free.

right, That’s exactly it. I had friends like this that would for food as well. Like maybe I brought my lunch. With this in school logs and they would mooch off me like half my sandwich and

Oh, can I some chips, can I some chips.

yeah

that’s yeah, that’s mooch behavior.

So that’s the verb to mooch off, someone.

Yeah to mooch off someone, But it’s also now he’s a mooch.

she’s a mooch. very interesting stuff, 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 if you lend money to people family members you asked for collateral.

or do you just forget about it, let us know. Our website is English pot.com

See you guys there.

Goodbye.