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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.

1 year, 10 months ago on How to turn $100 into $120 in mortgage reduction

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

1 year, 11 months ago on What is Really Making You Poor?

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