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Reply to "Why not pay down the mortgage?"
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[quote=Anonymous]The question is what is the alternative to paying down the mortgage. If you have cash sitting around then a guaranteed 4% return is pretty good and you should consider paying it down (personally I would do that way before buying gold). The other posters are planning to invest in the stock market and figure that long term they will earn more than 4% there, but if you have a different asset allocation/time horizon/prediction about future returns it's fine to take different steps. [/quote]
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