Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How should one refuse to father in law (Chinese) when he wants to borrow money? 
In these situations, one solution is to use the "I was just about to ask you the same thing..." response. This is kind of a famous way to deal with people asking you for money, whether it's someone asking to borrow "$10 at lunch time" or "$3000 for a car" or the like. So: Person X asks you for money, say $2000. Your reply: Ah, that's bad luck, I was just about to ask you the same thing... Follow this immediately - just keep talking - by launching in to a really incredibly detailed discussion of why you need to borrow money (pick a slightly larger amount, slet's ay $3500).  Just "keep talking" and don't let the other person get a word in. Go in to great detail about just what you need the $3500 for and why. It's a good trick.