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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.
8 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.
9 months, 4 weeks ago on What is Really Making You Poor?