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.
So you're overwhelmed with choices and having trouble picking a yo-yo? Don't worry, because here's a buyer's guide to help. The most important thing you need to know is that it's not the yo-yo that makes the player, it's the player that makes the yo-yo. A good yoyo player could take any one of the yo-yos that we sell and do tricks that would delight and amaze any audience. In the end, it's all about practicing, practicing, and more practicing. Yo-yoing is a skill.