Agreed. I have a sister who every year around Christmas, like clockwork, begs for a "loan" with the promise of "I'll pay you back with my tax refund". Many year

Agreed. I have a sister who every year around Christmas, like clockwork, begs for a "loan" with the promise of "I'll pay you back with my tax refund". Many years and thousands of dollars later, in 2015 I finally said no. We no longer speak to each other, and I was publicly (via Facebook) labeled the ungrateful brother who only thinks of himself.