better and more stable financial situation, if you need money, REFINANCE! It’s amazing, I wasn’t planning on doing it but when I found out that my mortgage was going up and I was going to be paying well, 400 dollars more monthly I was hurting bad, and along with the purchase of ‘the ring’. All in all, this was the best refinance ever! Things are looking a lot better than they did two months ago, I’m definitely prepared for this year’s very costly events. Some events were going to go down this year, but they were cancelled, but they can now be un-cancelled! Good thing my best friend works for a small mortgage company. Thanks Eddie!