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Investing Excess Money Flow on the 30: Most borrowers electing a 30-12 months time period do it because they cannot afford the monthly fee on a shorter term. Some elect the 30-yr time period, nonetheless, as a result of they plan to speculate the distinction in payment. There may be nothing fallacious with this, supplied they perceive how much they should earn on other investments to make it a paying strategy. The yield on different investments should exceed the yield on investment within the shorter time period, which is usually excessive.