If the mortgage rate and the investment rate are equal, then the option which offers the most tax benefit should come out far ahead. Additional money may allow you to deposit more into your tax-sheltered annuity. Money deposited into a tax-sheltered annuity or a deductible IRA should beat paying off the mortgage. Using a fully taxed investment option, you would have to earn an after-tax yield in excess of the mortgage. Pre-registration is required.
Seminars continue throughout the school year.