The first thing you need to do is talk to your loan officer and accountant to determine your total interest cost, net of the tax benefit, which will tell you how much your investment portfolio needs to earn in order to pay off the interest-rate charges of your mortgage.

FORBES: Burdening Your Retirement With A Mortgage

While a keyword job search for "certified public accountant" might turn up ads seeking a small-business chief financial officer who is also a CPA, semantic-search software would intuit that the user is looking for accounting jobs and list only those openings.

WSJ: Seeking Software Fix for Job-Search Game