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.
YOI is the acronym for the ice skating anime, Yuri!!! On Ice. It tells the story of the career of a competitive ice skater, Yuuri Katsuki, and his attempt to redeem himself from previous his failures. All while dealing with budding relationship between him and his coach Viktor Nikirov.