Q: My neighbor borrowed my air mattress last summer. When I took it out for the holidays, I noticed a hole. Should I ask the neighbor to replace it or say nothing?
A: The neighbor may have ruined the air bed, but unfortunately you can’t be sure, so don’t point fingers. If you had noticed the damage when it was returned, asking for compensation would have been fine. But in this case, you just need to write it off as a loss. Borrowing and lending between neighbors can be a source of great tensions so in the future try not to lend out anything that you cannot afford to lose.