Don't lend money you expect back. Easy life rule.
Hey, saw your post in the other thread about Gary Clark, Jr. Glad you liked it -- you may want to check out Michael Kiwanuka as well. He has fewer upbeat tracks a la Gary but they have a somewhat similar sound on the bluesy tracks. About half of his songs are acoustic but his debut album is really great.
Linius and others with similar taste -- you should check out Lord Huron if you have not heard them before. Just recently discovered their album and am in love with it. Here is the title track: http://www.youtube.com/watch?v=xFcxnQ0nsts