I buy a LOT of stuff from Amazon. Lately, it's been stuff to organize my home: Undersink shelving, lid holders, pan racks, silverware holders, etc. Things that I have either A. Good intentions of using, but never get around to implementing or B. Items that just DON'T FIT for one reason or another (usually because I didn't measure a space correctly!) So I also have been doing a lot of Amazon RETURNS lately! lol That being said, I am a Prime member. The free shipping is "the ****" and...
Depends on how much equity you have in the house, what the costs of refinancing are, your credit score, what the rates will be, and what the break even time frame will be. Break even time frame = costs of refinancing vs reduction in the loan. How quick before you get that money back in lower interest rates? If your rate is 3-4%, then you'll recoup the costs quicker than if it was 5%. Also depends on the type of refinancing. Are you going 30 year to 30 year? Are you going 30 year to 15 year?
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