The process is much more convenient if you stick with your current lender.

The borrower is servant to the lender

You either have fans who stick with you, or they don't. It comes down to making music that people connect with and great fans.

You have to make sure you stick with your guys. He doesn't want to lose you, and you don't want to lose him.

Conventional wisdom says if you're getting a large refund, it's a bad thing, that you've lent money to the government for free for the past year. If your refund is the only way you can save, who's to say it's a bad idea? It may not be the best way to save, but it's better than nothing at all.

Sometimes that difference between short-term rates and long-term rates expands and sometimes it narrows. That difference has narrowed in the last two years, which hampers banks' ability to profit from the difference.