Speaking English – How to talk about borrowing, lending, and property
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Speaking English – How to talk about borrowing, lending, and property

Hi. James from engVid. I’ve noticed a lot of
people have a problem using “borrow” or “lend”. In fact, sometimes I found it difficult to
teach it to people. But today’s lesson, I’m going to try to simplify it and make it
easy. Now, there’s probably one or two lessons on borrow and lend on engVid already, so please
feel free to check them out. I just try to simplify it, and give you a couple of phrases or
expressions, general expressions you can use. So let’s go to the board. As you can see,
I’ve got some money, and E is trying to… Oh, is he trying to borrow or lend? Let’s
go find out. Okay? So, Mr. E says: “Can I borrow $5?” And the other worm, I don’t know
who this is, says: “I don’t have that on my person.” When someone says that, it means:
“I don’t have it with me.” Look underneath here, it says: “Neither a borrower nor a lender
be”. Well, what does that mean? Okay? We want to do a lesson on borrow and lend, correct?
And look here, “borrow”, “lend”. Today I’m going to give you something that’ll help you
remember it easily, what the difference between the two are so you can use them properly. And
then we’re going to learn some other words that are similar. Yeah, synonyms, because
I think as… If you understand one thing properly, we can teach you many other things,
so the lesson can just grow and grow. And you’re smart, so
let’s get started. All right? E talk to me. Well, what’s the difference?
We have “having”, “giving”, “receiving”, and “miscellaneous”. These are the four legs
of our table. All right? Every table has four legs, and when people exchange things, or
give, or receive, it’s going to be one of these four legs we’re talking about. Let’s
talk about the first leg: “having”. You can’t give if you don’t have. Right? So, we’ll start
with “having”. People, we’ll start with a noun. So what are nouns for “people”? “Owners”.
When you own something, it belongs to you or it is yours. Okay? I own my body, I own
this pen, and this jacket. They are mine. Okay? I’m an owner. Now, when you have a house
and you have paid for the house, you become a “landlord” or a “landlady”. Lady, me lady.
Right? And the lord, you are the lord of the manner. You own your own home. Mwahahahahahaha.
Yes. A “landlord” is when you go someplace, you need a place to stay but you cannot buy a
house, you will pay these people on a monthly basis, and they will give you a place to stay.
And they’re called “land owners”. You will generally say, if it’s a man: “My landlord
wants the rent today.” Or, if it’s a woman, you’ll say: “The landlady wants the rent”,
because they own the land that you live on. Okay? And this goes back a long time ago to
kings and queens when they owned everything, and they were called the lords
and the ladies of the land. Now, “proprietor”. Can you say that again?
“Proprietor”, “proprietor”. This is the formal word for an owner. This is usually used for a
business. Okay? So you might own a bicycle or a motorcycle or something, but you’re not the
proprietor. When you talk about proprietors, think about restaurants and stores. Okay?
It’s the formal word for “owner”, and it’s used for those people. So if you come to McDonald’s,
you go: “Who’s the proprietor?” Ronald McDonald will come out and go: “Hi. Hi. Here’s my friends.”
He’s not the proprietor; he’s just a cartoon guy. But the person who owns the business
is the proprietor of it. Think restaurant, bar, store. “Owner” can be for a home or of a
marker. I own a marker. I am not the proprietor. Okay? Landlord, landlady, they own the land
which you are a “tenant” or a “renter”. Let’s go on to “having” for things. Now, for
these are the people owned, what do we call things that we own? Well, “property”. Property
is something that belongs to you. We also use “property” for land: “This is my property.”
It means my house has this much land, and I own all of it; it’s all mine. My property.
But something small, such as a pen, a watch, my shoes-you can’t see them, I just lifted my
leg up-my shoes, they’re my property. Okay? They belong to me. “Possessions” is the same
thing. “To possess” means to take on. If you’re possessed by a demon, it controls you. So
when you have something in your possession, you have control over it or it belongs to you.
It can be either one. Okay? “Belongings”, it’s yours. “Be” as a prefix means completely,
but I don’t know what “long” means, I’m not going to lie to you. But it’s completely yours.
Okay? One day I’ll figure it out and let you know. But if I say: “Are these your belongings?
Does this completely belong to you?” And if you notice, we say: “belong”, right? And this
is “belonging”, add on the “ing”, and suddenly, it’s a thing, your thing. These are my
belongings. My coat, my vest, my watch, my pen are my belongings. “Estate”. This is a funny one. “Estate”. An
“estate” is… Well, most of us have property, we have houses. When you have an estate, you’re
rich. You have a mansion. You have a big house. This is my estate with my 15 cars, my three
wives, my five helicopters is my estate. People with homes don’t call it an estate, because
we will [laughs]. We will laugh at you. “You call that an estate? You have one toilet there,
bro. One toilet. That ain’t an estate. Estate’s got to have at least five toilets.” So, if you
have an estate, it’s usually a large piece of land and it’s a big home, but there’s another
meaning for “estate”, and once again, it has to do with belongings. When you die, you know,
dead, the things you leave behind are your estate, and that includes your house, your
car, your golf clubs if you play golf, baseball bat, comic books,
everything you own are your estate. So these are the
things you own, but it’s not your estate, unfortunately, until
you die. So this is one you don’t want to visit. You want to have an estate, I’m rich,
but you don’t want to be given your estate because you’re dead. Okay? So try to keep
that in mind with “estate”, that it’s two meanings, and one has to do with death, when
you die, you leave your estate behind; an estate is a wealthy or rich man’s place to
live. All right? So we talked about having, you got to have stuff before you give it or
you can receive it. Now, if you have that stuff, why don’t we go back on to
the other leg, here? All right? We’re going to go over here, and look at this
leg of “giving”. I’ve got stuff, now I can give it away. So, we’re going to start with
the nouns, and these are the people. You’ve got your “lenders”, your “providers”, or your
“donors”. A lot of people who speak English will actually say: “Lender, provider, supplier,
donor, okay, same, except for this one here.” They’ll say: “Lenders, providers, suppliers,
almost the same.” And I’m about to educate you who are learning English and those people
– there’s a difference. “To lend”, as you can see down here, means to give. That’s easy.
I’m a lender, there are lenders. A “provider” means to get something ready to be given up,
to set it up. Huh? When you provide something, it means you have to get
it ready to send it off. This word is also down here in our verbs,
which we’ll come to. A “supplier” is a source of something. Huh? Well, see, a provider sets
it up. A supplier is like… When you have water, where do you get your water supply?
There’s no thing called: “Where do you get your water provider?” Supply, where do I get
my water? My supply of water is here. This is my supply of water. I can actually have
a supply. “Provider” is only a verb. – “Oh my god, didn’t know that.” Yeah. So when
we come down here… We going to come down… Oh, before I move down there: a “donor”. “Donate”
means to give, and usually when you donate, you give for free. Trust me, in Canada we
have cable providers and cable suppliers – it ain’t free. Because when you donate something,
you give it, it has value, and you give it for free. We donate blood. You give your blood
for free. I’m waiting for free internet. Mm-hmm. Not going to happen. All right? So these guys
can charge money. A donor usually doesn’t; they give whatever they have for free. And a
lender just gives. Okay? They can also charge money, because that’s what banks are, they’re
lenders. All right? So, we’ve done these four for what are nouns and what
names you can call someone. Let’s look at the verb. You’ll notice a lot
of the verbs are the same as the nouns, and I said we’d come back to them for that reason.
“Lend” means to give, I’m going to lend it to you, and I am the “lender”. I’m giving
to someone. “Supplier”, remember I told you “supply” and “provider” is similar, but not
the same? Well, “supply”, as a verb, right? You can have… This can also be a noun, as
well as a verb, while “provide” is only a verb. Something to keep in mind when you’re
saying: “What’s the difference?” Because you can have a supply of something. Right? Water,
a supply of money, a supply of oxygen. You need to breathe, you need some oxygen. Right?
But there’s no verb… There’s no nouns for that, for “provide”. So that’s one of the
difference is actually a physical thing you can have. All right? “Assign” means to give. “Sign”. Well, a sign
like this, a number represents. When you assign, you give something, it’s usually a key or a
number, like: “I’m going to assign…” I’m talking so fast. Let me slow down. “I will
assign you a number. You are number two.” I’m giving you something. And you can think
of “sign”, it will help you remember. Right? It will help you remember. I will assign you,
give to you. Okay? A key, a pen, a house, you’re giving… Given something. And this
is a sign of something, maybe a sign for… I don’t know. Your position? Or I’ll assign you
a key. So you’re given a key which represents the house. Okay? “Leave”, well, when you leave…
I know you’re thinking like now: “Bye.” Yeah, but it’s different. When we leave something,
we leave something. The full thing is behind. Right? Remember we talked about estates? You
die? Remember we said you die and you leave stuff behind? So that’s it, he left behind a
house for his wife. What did he leave for the family? Right? And “behind” means behind
you because you’re not here anymore, but there is something that remains or stays there. Okay?
So, “left behind”, “leave behind”. These are the verbs. What are you leaving for your
family? What are you leaving for the class? If a teacher’s not there, we say: -“What are
you going to leave for the class to do?” -“I will leave this behind”, or: “I will leave
this information/I will leave this work.” So I think this word is there, but we don’t
say it half the time. All right? So, we’ve talked about “having”, “giving”. So you’re
so lucky you have stuff, and you’re so… You have so much,
you can give it. Well, who are you giving it to? Well, somebody
has to “receive”. And “receive” means to get. Right? Let’s take a look. When we have “receivers”,
you’re a “borrower”. That means you are asking for something, I’m going to receive it, I
will get it. Right? Another is a “renter”. Remember we talked about landlord and landlady?
They have rooms, or houses, and you pay money? Well, you can be considered the “renter”.
The “renter” is a person who pays money to have something for a small amount of time, and
they must give it back or they must continue to pay. Rent is usually every month; January,
February, March. April, I will rent an apartment, which means I will pay money every month to
the landlord or the landlady. You could also rent a car, you can rent that for a day or
two. Rent a movie for 12 hours or a week. And in this case, you’re giving money to have
something for a little while, and then you must give it back. Okay?
That’s “rent”. Now, another thing is if we don’t call you a
“renter”, we call you a “tenant”. “Tenant” is when you stay in a home, a place, an apartment,
a house. So, a renter can rent a bicycle, a car, a helicopter, a house. A tenant lives
in a home, so think of a home or an apartment, so that’s different if
you’re a tenant. Okay? “Lease”. Okay? Now we’re looking at the verbs,
here. When you lease something… A lot of times people lease, it means they make payments,
like rent, but what they want to do is maybe to buy it later on or hold it for a long period
of time. A lot of people who lease cars, they will pay monthly for the car, and after four
years, they’ll say: “Now do you want to buy the car?” When you rent, you can’t do that.
You must return it or continually pay. So, leasing is one option when you’re receiving,
like I want to lease a car, which means I will make payments every month for two years,
and after two years, I might say: “Okay, now I’m going to buy it.” If you were renting
it, you would never be able to buy it; you would have to keep paying. And that’s the
difference between “rent” and “lease”. And “borrow”, we’ve talked about, you receive,
generally. “Can I borrow a pen?” Right? Good. Now, if we have the basics down, which I think
we do, we’re going to go on our next little outing. What are we going to do? Well, we
might as well learn how to use it. Like I say, vocabulary, if you don’t know how to use
it, there’s no point to it. So let’s come back, and we’re going to look at
some common expressions that we use for borrowing and lending.
Ready? [Snaps] And we’re back. Sorry, Elvis, who
is possessed. Remember we did “possession” before? Possessed by the spirit of Elvis. All
right, so: “Can you lend a hand?” We talked about “lend” means to give. Well, a hand is
a good thing. Right? So when I lend a hand, it means I will give you some help. Right?
Give you a hand. “Can you lend a hand?” “Something lends itself.” We use this to say
something can be used for… It’s pretty good when you use it. A great example is this:
There are many books that lend themselves to becoming great movies, which means it has a
particular use; we can use the book to make a movie, or a comic book, if you’ve seen Batman,
the Justice Lady, Avengers, they are lending themselves to being movies; they are good
for that use. Right? So it’s not just the book, we can use it for something else, and
it will be good for that thing we use it for. Yeah? You like that? Yeah. So, this will lend
itself to helping you. This lesson will, actually. How about this one? “Lend an ear”? Well, I
don’t mean cut the ear off, go: “Okay, give it back in two weeks.” No. What I mean is this:
When you lend an ear, it means to listen carefully and in a friendly way, especially
when somebody has a problem. If I say: “Look, I’ve got this problem. I don’t know what to
do about going to Italy or Israel. They both start with ‘I’. I’m confused, and they’ve
got l’s in them, like you know, like uhh, what do I do?” Then you go: “Lend me an ear?”
And I go: “Sure.” I’ll sit down, take my water, and go: “Mm. Mm. Yes. Mm-hmm. Yeah, mm-hmm,
yeah, and there is that”, and I will listen carefully, especially because it’s a big problem.
Travelling. Love it, should do it. Okay? So when you lend someone an ear, it means to
listen carefully and in a friendly way to what they have to say so they can have an
ear or something to bounce off of, someone to listen so they can express themselves and
maybe hear themselves a bit better. “Lend me an ear”, okay? “Borrow trouble”. Borrow trouble, what the
hell does that mean? When you borrow trouble, it means you do something and you make trouble
for yourself. You don’t have to do something, but when you do it, it’s going to bring you
trouble. For instance, if you see a pretty girl at a bar, sitting there with her boyfriend
who is two metres tall and 100 kilograms, and is an MMA super weight fighter, and you
have a couple drinks, and you think: “Maybe I should tell that girl she’s pretty”, and she’s
dating a stupid guy, you’re just borrowing trouble, my friend. Why are you doing this?
It’s going to bring you trouble. Don’t borrow trouble, which means bring trouble to yourself
by the actions of something you do. Not smart. “Beg, borrow” steal”, a lot of movies, especially
when it has to do with money or something, the guy will say: “I don’t care if you have to
beg, borrow, and steal it – just get it done!” What they mean: Do whatever you can to
get something done. “Begging” is like: “Please, please, please, please, please.”,
“Borrowing” is like: “I’ll give it back later, I promise”, and “steal”, you know, just kind
of, it’s gone, I got it. It’s mine. All right? So if someone says to you: “I don’t care if
you have to beg, borrow, or steal, get that assignment done”, it means
whatever you can do, do it. “To live on borrowed time”, okay. No way to
say this, but imagine someone is supposed to live for five years. They say: “You have
five years, then you will die.” Okay? The person gets worried, he goes: “Okay, I might as
well enjoy myself.” Maybe they start working out, they go out with their friends, they
start taking selfies. You know, all that fun stuff. And then five years comes, and they’re
still alive. They wake up, they go: “This is five years and one day. Woo-hoo.” So they’re
happy, okay? They start partying, they have more fun, and they keep doing this. You might
say you’re living on borrowed time because you were supposed to die in five years, or
you were supposed to end at five years, but you’re continuing to live. That’s borrowed
time, my friend. Be happy. Now, that could be not just about life, you live longer than
you were expected. That could be like your camera, the power is supposed to be dead,
you took 50 pictures, but magically, you’re taking 51, 52, you’re like: “Wow! It’s on
borrowed time.” Meaning: This thing should end at any time, and you’re getting lucky.
All right? We usually use it for life, for people, if you live longer, you have a disease,
you don’t die, you’re old, you keep living. Just die already. All right? You’re living
on borrowed time. Or relationships. If two people are always
fighting, always fighting, and you’re like: “Man, they should
have broken up five years ago”, but they’re still together, you say: “That
relationship is living on borrowed time.” It should have been done, and for some
reason, it just won’t die. Which reminds me of a joke, but another time. So, let’s do a quick quiz. All right? We will
talk about “lend” and “borrow” which was the primary reason for this lesson. And remember:
“lend” is when you give something, “borrow” is when you receive it. But let’s do a quick
quiz to see if you can remember some of these popular phrases, or the words themselves,
what they mean. I’ve got three questions, let’s check you out. All right. “Their marriage should have died years ago.
Now it’s living on _______.” What would you put in there? “Beg, borrow,
steal”? “Lending an ear”? “Lending a hand”? Or would you say…? Correct, it’s living on borrowed time.
They should have been divorced four years ago, they’re still together. I don’t
know how come it’s living. Should be dead. How about this one? “Hi,
can you _______ a pen?” Now, would you say: “Lend me a pen” or
“borrow me a pen”? Think about it carefully. I know some of you said: “Hi, can you borrow me
a pen?” Why? Because I have students who say that all the time, and that’s wrong. Okay?
All of you, it’s wrong. Remember: “Hi, can you lend me a pen?” Right? Can you lend
me a pen? Because you’re going to give it to me. Right? I am receiving, but you have
the power and you’re giving it to me. “Can you lend me a pen?” And finally, finally,
finally, finally, you can help me with this one.
Hint, hint, hint, hint. All right? “Hi, can you _______. I need some
help moving this big chair.” Can you…? [Yawns].
I don’t know, that’s so difficult. Did you say: “Can you lend me a hand”?
[Laughs] See, I love you because you are smart. Not just good looking. I know,
your momma tells you this, but I’m going to tell you you’re not just good looking, you
are smart, too. “Can you lend me a hand?” because it’s a really big chair. I’m going
to need extra hands to help me. Yeah? Cool. So, look, you helped me, you gave me a hand.
I would like to say thank you once again, because I love it when you help us out. Thanks.
We love it here at engVid when you visit, but I need you to come back and see us again,
because this is a puny test. Hulk wants bigger test. Okay? You got about 10 more questions
or more at the website, and there are other videos. What website, may you ask?
Okay, I’ll tell you. It is www.eng as in English,
vid as in video.com. (www.engvid.com). Go visit, see myself, the other
teachers, take the test, and see how you do. And if you have a problem, come back,
I’ll lend you a hand, and you know, we’ll get it sorted. Cool? Anyway, you
have a good one. I’ll see you in a bit. Popular expressions,
“Lend a hand”. Chow.


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