When you refinance to a lower rate, that reduces the size of your mortgage interest deduction, which affects your savings from refinancing. The Mortgage Refinance Calculator can take that into account, which is why it asks for your income tax rate.
Look up yo in Wiktionary, the free dictionary. Yo is an English slang interjection, commonly associated with American English. It was popularized after being used commonly by the Italian-American community in Philadelphia, Pennsylvania since the 1940s.
noun, plural yo-yos. 1. a spoollike toy consisting of two thick wooden, plastic, or metal disks connected by a dowel pin in the center to which a string is attached, one end being looped around the player's finger so that the toy can be spun out and reeled in by wrist motion.