Ⅱ.七选五

　　Everyone has had to deal with a friend who says，“Can I borrow some money? I promise I’ll pay you back.”

　　9

　　，but here are some steps that will help you get back the money you’ve lent and keep your friendship complete.

　　·Decide if you want to lend the money.It doesn’t mean that you have to say yes when your friend is asking for a loan.Think carefully about whether this is something you feel comfortable doing.You may want to consider: How is your friend with money?

　　10

　　？Why does your friend need the money?

　　·

　　11

　　.You might settle for a verbal(口头的)agreement since it’s with someone you’re close to，but putting the loan in writing will enable both of you to treat it as a business arrangement.The agreement should spell out the terms，including any interest and the punishment for late payments.

　　·State your repayment terms clearly.Decide how much and how often payments are to be made，and then keep to that schedule.

　　12

　　.It’s better to figure out what you will do if your friend can’t make a payment ahead of time than trying to work it out when it happens.

　　·Follow up in a businesslike way.Make a note in your calendar to remind your friend a few days ahead of the due date.Wait to see if your friend pays on the due date without the reminder.If not，tell him or her when you might expect payment，and let him or her explain the delay.

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