presente de aniversario?

Não, o CD nem saiu ainda. O Cuca só me avisou que tava em pré-venda. Vou tirar aquilo ali.

Say, for example, you still owe $100,000 on a $150,000 loan taken out for 30 years at 6.5 percent. If you refinance the balance for another 30 years at 5.75 percent, you'd be paying $583.57 instead of $948.10 a month, a savings of $364.53.

Americans borrow between $400 billion and $500 billion a year against home equity alone.