A neighbor taught me years ago that once you can afford to have 95% of those items that you figure you could ever want to borrow that you should condemn the whole practice of borrowing and lending. Myself, I will loan judiciously. Depending on a the situation I may loan or go and do it myself for very little, or say no outright. I did borrow an excavator from a friend for a week a few years ago but he borrows from me too. It tends to work out if you use common sense.
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