Avoid the extra points and Refinance fees.  

@Daniel Rutledge I always go through my accountant, it costs $350 but for that little extra you not only get the peace of mind that it was done right but also someone who will watch your back.

If you can find somewhere that has all those extra pluses that appeal to us younger folk - we'll pay!

You earn what amounts to 2.22% cash back on any purchase, that can be redeemed against any travel-related expense on your statement (anything from an airline ticket to an Uber ride).  

Many economists also believe that the S&P500 aggregate earnings have the rate hikes "built in" already.   

Earning and saving is the easiest part of investing.

Foremost typically offers a relatively reasonably priced policy and you only pay as you go vs being a "fully earned" premium. 

It's a short term loan and it's giving them SOMETHING for their equity that is currently earning them nothing... 5-7%?

Extra bathrooms (even 1/2 baths) can be very good and garages are nice as well.

If the Listing Agent still refused to open the door of their own listing for an extra $500 in commission, ask them if they would consider doing it for $1,000 extra commission in Buyer Agent Rebate to increasing the Listing Agent's commission