Your mortgage is a 30-year fixed at 8% on $150,000. You are considering refinancing at 3. 5% fixed for 30 years. The bank charges you 1. 5% of your debt in closing fees. Approximately how long will it take you to recoup the closing fees from the reduced loan payment amount?

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Name and describe how to implement one method of embellishment.

What is the highest grade you can score on the act