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If you refi for a lower rate and the break-even is 5 mo, it's a no brainer. Just don't do something stupid like cash out your equity. Refi to a lower rate and put the money saved into savings, just in case those layoffs include you.
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‘07 Mazda RX8
Past: 911T, 911SC, Carrera, 951s, 955, 996s, 987s, 986s, 997s, BMW 5x, C36, C63, XJR, S8, Maserati Coupe, GT500, etc
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