The HELOC have the smae characteristics as my student loans. I jsut tried to use something that I efffectively used as you had asked.
I am certain there are more than a few people who had much lower rate on equity lines from 2004 and 2005. I am certain that many of them are in a similiar positon to my student loan example. If we were to go into an infaltionary period and saw interest rates rise than CD would carry a much higher rate of interest as well as muni bonds etc.
Bottom line is I understand what you are saying. You don’t see a significant advantage to the carrying cost of borrowing. Do I understand you?
