Using a little understood technique of moving your money to its most advantageous position, you could cut 10 or even 20 years off your 30-year fixed home mortgage.

Money seems tricky. The rules of the game are not widely understood. That's why companies can create products to fill the gaps in human intelligence. We all like the idea of someone else doing the hard stuff, someone else doing our dirty work.

How many ways do you know to pay off your mortgage early? Some people swear by the biweekly payment plan; others swear at it because of the fees commonly associated with it. (Biweekly payment plans are usually operated by a servicing company rather than the lender; hence the charges.)