Are you still loaning money to your family and friends? Why?

Only my immediate family and we do payback each other.

Nope ! They have all they need and I never loan money to any so called friends.

Maybe a 20 here and a 20 there but no substantial amount.

No. They don't ask for loans.

That's what family trusts are for. They can just talk to the adviser

i have no money to loan ineed some money

loan?  No

give - yes

Occasionally, but I look at it as a chosen subsidy on my part.

But only family, and not all of them.

One of my kids has problems from time to time and we give her a handout. She has always paid it back, though the last time took a few years. Goes with being a parent.

BTW I used "kids" loosely. She's old enough to have grandkids of her own.

Dear Jan Nicka,

Yes, I absolutely do...but like Tom Jackson it's more of a subsidy or maybe just a way of giving someone a boost, like "I believe in you."

And I don't always wait for them to ask for it, either...and it can be strangers, especially when I was recently traveling homeless sometimes to hand someone $5 feels like a wonderful windfall to them, and I am glad to do that.

Once I was at a rest stop, gave someone $8 and then went back with another $20...things like that...given with my affirmation or prayers for the healing of the world.

I try my best to keep money issues separate from friends and relatives. I'd rather not complicate relationships in ways that might irreparably damage the friendship or anything later on.