Borrowing Smart

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
Updated February 17, 2009
 
There are three primary sources of low-rate, tax-deductible debt: mortgage and home equity debt, margin loans and student loans. Here's how to make the most of them.
 

The Fed and Your Home

by Carrie Dolan, Senior Vice President, Corporate Treasurer, Charles Schwab & Co., Inc.
May 2, 2008 

Don't bet on cheaper mortgages. The good news: low-rate home equity credit lines.
 

Managing Your Mortgage

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
January 23, 2008 
 
A mortgage need not be viewed just as a liability—think of it as a financial planning tool that deserves as much attention as any other part of your net worth.

Unlocking the Gold in Your Home

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Investment Research®
May 2, 2007 

If you're 62 or older, a reverse mortgage could be for you. But look before you leap.
 

Is a Pledged Asset Mortgage Right for You?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Investment Research®
February 17, 2005
 
A pledged asset mortgage can help you gain the benefits of making a down payment when buying a home—without making a down payment.
 

Margin: How Does it Work?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Investment Research®
April 19, 2004
 
In the same way a bank will lend you money if you have equity in your house, your broker can lend you money against the value of investments in your portfolio.