LESSON 2.

 FINANCIAL VERBS.

A common mistake for learners is the confusion of the verbs borrow and lend. If you are receiving money, you are benowing; if you are giving money, you are lending.

Time: I'm a little strapped for cash right now. Can I borrow $50? 

Jill: Sure. No problem, I'd be happy to lend it to you.

Jill leut money to Tim. That means that Tim now Owes Jill $50. As soon as Tim pays back won't owe it anymore. Note that pay back is a separable verb.

Tilf : Hey, time you still owe me $50. when do think you can pay it back? you

If a person or a bank lends money to someone,

they give them a loan. Sometimes the person borrowing the money will ask for an extension, or a longer period of time to pay back the money. 

Tim: I'm sorry, but I can't pay you back the loan this week. Can you give me an extension until next week?

Jill: Don't worry about it. Tim. Next week is fine. You're. Lucky I'm not a bauk!

Loan can also be used as a verb with the same

meaning as Lend.

Jill: Sure. No problem. I'd be happy to loan you $50.

INFORMAL ENGLISH 

Informal English can take a variety of forms. For example, sSlang, is very common in informal rétua- tious. Look at these examples. Dude and man are used informally, and generally by men to other men.

I'm telling you, dude, I'm completely broke.

Hey, man, can you lend me a couple of bucks?

Exaggeration is another form of informal English. Look at these examples:

Are you kidding me? You're loaded. You could buy and sell me 10 times over.

That is the worst thing I've ever heard.

She is killing herself on that project,

He freaks out if you ask him to change a lightbulb

Sarcasm is often used to express displeasure. Look at these examples:

Thanks for nothing.

You've been so helpful.

I just can't wait to hear what you have to say next.

Repetition can be used for emphasis. Look at these examples: 

It's just a small little loan.

He always has tous and tons of cash in his wallet.

Run-on sentences, or sentences that follow on one from the other, are quite cocucusu ice spoken English, but are generally not recommended in writing. Look at these examples: 

It's not that I won't lead you the money, mean, I would if I could, but I can't. 

The problem is well, it's not really a big problem, but the money I told you I was going to pay back is going to be a little late.

GIVING AND RESPONDING TO ADVICE.

There are many Ways to give and respond to advice. The language depends on how direct the advice is

INDIRECT ADVICE

Here are some ways to give less direct forms of advice. Notice that a question or medal of possibility, like Could or Might, is used. Also notice that the respour are equal in tone to what was said. 

A: Why don't you take out a loan? You could pay all your bills with her money. 

B: No, I don't think so. I already have enough debt.

A: Talking to your parents might be a good idea. 

B: Maybe, but I don't think they'd understand.

A: How about selling your motorcycle? You never use it anymore. 

B: You know what? That's a good idea.

DIRECT ADVICE

Here are some ways to give stronger forms of advice. Notice that this advice is much more direct and often involves imperatives or modals of obligation, like have to and had better. Notice again that the responses are equal in tone.

A: Ask your parents for money.

B: Are you Kooding? They would laugh in my face. 

A: You're going to have to sell your car.

B: No way! I'm not going to sell my car.

A: You'll have to take out a loan.

B: I think you're right. I just hope the bank will approve 

A: You had better move to a cheaper apartment. This place is too expensive. 

B: I know, but I don't want to. I love this apartment.