I was in a store the other day and spent at least a half hour looking for what I needed went to the cash register and was rung up only to find they do not accept credit cards. I was so annoyed because there was no sign entering the store about it. I told the cashier that they need to let people know before wasting their time in their store that they do not take cards. I was shocked because I would think that it they had credit card swipers they would be able to make more sales. They lost out on my sales and I am sure many others. I don't know anyone who really walks around with a lot of cash on them anymore because of the ease of using a debit or credit card.
We were thinking of refinancing but feel it wouldn't be worth it in our case because we have only lived in our new house for a little over 2 years so we do not have that much equity. The closing costs are still pretty high. It is a shame though because the rates are so low. I just wish the property taxes would decline as well. NJ is unbelievable with their property taxes. It is getting pretty ridiculous.