.....HOW TO BORROW MONEY..... Although it happens frequently-often several times a 
day-this can represent of the most awkward moments among family members, 
requiring a truly exceptional level of politeness skills. Be certain, for 
example, to always begin a money-lending request with the word "Please" 
repeated as many times as the amount is in dollars. Even when approached
with such considerable taste and tact, the family member in question may 
prove reticent. At that point, you may be tempted to whine, "Well, instead of lending me money then, how about you
paying me back the money you borrowed two hours ago?" This, however, is 
considered rather rude, as the individual may well reply, "Okay, but only if 
you pay me back the money you borrowed four hours ago". A conversation of this
type frequently ends with the two parties not speaking to each other for 
several years, or, in many cases, until one dies (for example, due to
overlooking the importance of a tetanus shot).....