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Hmmm....  I'm not sure that interpretting a reduction in the final payment as ROI is correct.  I think the correct calculation is how much it reduces you total interest paid over the life of the loan.

2 years, 5 months ago on How to turn $100 into $120 in mortgage reduction


What about taxes (federal, state, local, etc.)?  For many people, taxes would be the biggest circle.

2 years, 7 months ago on What is Really Making You Poor?