Here are my basic etiquette guidelines for borrowing:

Never borrow anything you can't return as soon as you are finished with it.

If whatever you borrow breaks or tears, apologize and go buy the person a new one if it can't be fixed.

Don't borrow anything that is brand new. The owner should be the first to use it.

When someone borrows something from you, let the person know when you will need it again and expect to get it back by then.

If you don't receive it within a reasonable amount of time, there is nothing wrong with asking for it back, although you shouldn't have to do that.

okay to say no when someone asks to borrow something.

Don't borrow money from a friend, or you risk jeopardizing your friendship. You are better off going to a lending institution where the deal is strictly business.

Be extra cautious about borrowing from a coworker because if something goes wrong, you risk jeopardizing your career.

If you ask to borrow something, and the person turns you down, don't get upset. Save your money and buy the item for yourself.