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I think we're in for a tough couple of years. There's no sugar-coating it.

I'm Phil Buchanan, the president of the Center for Effective Philanthropy. My co-host, Grace Nicolette and I are excited to bring you a new season of Givington Right,

the show exploring what it takes to be an effective donor in this time of unprecedented challenge.

This season, we're excited to bring you conversations that will help you navigate the current, difficult context for nonprofits and donors alike.

A new season begins on September 4th, so be sure to subscribe wherever you get your podcasts.

When should you refinance your home mortgage?

Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity, and live a rich life.

Here are your host, Jen and Jill.

Hey, frugal friends, I'm Jen. I'm Jill.

And if you have been watching the news at all, you might be thinking,

is it a good time to refinance your home mortgage? Even if it might not be a good time for you,

maybe for someone you know who's purchased in the last two to three years. If that is you,

if you have purchased a home in the last two to three years. If that is you, if you have purchased a home in the

last two to three years and you have a home mortgage, this video is for you. And if you know

anyone like that, share this video with them because it is a cannot miss. It could literally

save you tens of thousands of dollars. Yes, we have dug into the news.

We have cut through the speculation and we have run the numbers to help you figure out if it is time for you to refinance your home mortgage.

So we're going to go through all of that, what a home refinance is,

and a teeny tiny economics lesson so that you can understand because nobody can tell you,

point blank, unless it's your financial planner or your broker, if it's a right time to refinance.

...