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.
Fabric yo-yos are a fun way to display shisha mirrors or paillettes. Use some fabric glue to glue a shisha mirror or paillette to the center of the fabric before making the yo-yo. Sew some beads around the fabric yo-yo for additional embellishment. You could add some bead dangles to