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I found this on daily finance.
http://www.dailyfinance.com/2012/07/20/mortgage-re
The article makes some valid points on how it can be so much easier to "earn more" by reducing costs on your liabilities, rather than by trying to chase that dollar by other means such as investing or picking up a 2nd job.
The same principle holds true for car refinances, and other type of debt refinances.
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