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If you can invest the money elsewhere for a better return than your interest minus tax breaks, it's a net win not to pay it.
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Adjusted for its beta, you're going to be hard pressed to find an investment that yields enough to justify borrowing against your home in order to invest.
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Maybe you can comment on this example:
http://www.fool.com/foolu/askfoolu/2...oolu010307.htm
eastbay