This is your money. It's yours. Take it!
Cand te referi la un anume obiect si il denumesti, atunci folosesti your. Your hat, your hands, etc. Cand nu denumesti itemul repsectiv atunci poti folosi yours. "This is yours. Keep it"
La fel si cu our si ours. "This is our land. We've lived here since we were children. It's ours. "