Some Questions About Borrowing Money

Question: Anong mga saying or proverb ang alam mo about borrowing money.

Answer: "He who is QUICK to borrow ... is always SLOW to pay."

There is another one. "I hate it when people are HAPPY to borrow money from you ... and then get MAD when you want your money back.:

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Question: If someone has a habit of borrowing money ... is that a warning sign to you?

Answer: A warning sign is by itself a RED FLAG. Some people call it a WAKE-UP CALL.  It is a TIP-OFF that you need to be careful and on one's guard.  It is a HAND-WRITING ON THE WALL na kailangan mong i-consider na isang babala.

Minsan ka lang nabudol ... huwag mo itong gawing panata.

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Question: How necessary it would be to pay back borrowed money?

Answer: Paying the money you borrowed on time shows what kind of person you are. It gives a positive picture of you and builds a responsible reputation of your name. The lender or the financial institution sees... that you can be trusted.

Trust when BROKEN ... can never be MENDED. 

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Question: Is it alright to say NO when someone borrows money?

Answer: YES ,,, who doesn't need money anyway? Be sure not to offer any explanation as to why you can't lend.

Ang isang mangungutang worth his salt can bend your explanations to his advantage making you pick that hard-earned money at ipautang sa kanya.

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Question: What are some tips for lending money?

Answer: Huwag kang magpautang sa hindi mo pa kilala. If you know that the person doesn't have work ... or doesn't have any resources ... these are red flags for you to consider. 

Madali MAGPAUTANG ... pero hindi madali ang MAGBAYAD ng utang.

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Question: What have your parents taught you about borrowing money?

Answer: Mabuti pang MATULOG na gutom ... kaysa MAGISING kang hinahabol ng naniningil.

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Question: Who is irresponsible ... the lender or the borrower?

Answer: Both.  Isa kang IRRESPONSIBLE LENDER ... if you let someone borrow your money ... when you know for a fact na hindi siya makabayad.

Isa kang IRRESPONSIBLE BORROWER ... kung walang hiya kang nangungutang ... kahit right on the get-go wala kang panong magbayad.

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Question: Can you go to jail if you fail to pay what you borrowed?

Answer: Hindi naman ako abogado ... but as far as I know ... ang hindi pagbayad ng utang doesn't necessarily mean na ang police will issue arrest warrants. Ang pagkaroon mo ng utang is more CIVIL and not CRIMINAL in essence.

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Question: Can you bring a suit to someone who has not paid you your money?

Answer: I think so. I often heard people saying "walang NAKUKULONG dahil sa utang." That is true. Pero puede kang IHABLA in a civil case para makolekta ang pera na inutang mo.

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Question: If someone borrows money ... at hindi nagbabayad ... ginagamit ka lang niya?

Answer: Tinatanong pa ba yan? Gusto mo nang AWARD ... or gusto mo UMBAG?

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Question: Do you have any bad experiences with lending money?

Answer:  Just recently buong giting at tapang kong NAG-TULONG para sa isang pamilya ... pinahiram ko ng pera only to realize hindi ko pa pala nabili ang gamot ko. May NAITULONG ba ang pagiging good provider ko?

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Question: What lessons have you learned about lending your money?

Answer: Ang hindi marunong LUMINGON ... sa pinagutangan ... ay hindi na MAKABALIK at MAKAULIT ... kailanman!

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