About 'debt securities vs equity securities'|style='padding:10px 0;text-align: left;padding-top:0px;'>Newcastle (NCT) Preferred - A High Yield, High Security Investment

About 'debt securities vs equity securities'|style='padding:10px 0;text-align: left;padding-top:0px;'>Newcastle (NCT) Preferred - A High Yield, High Security Investment

Ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｉｓ               ｎｏｔ               ｌｉｍｉｔｅｄ               ｔｏ               ｔｈｅ               ｃｏｒｐｏｒａｔｅ               ｃｒｉｍｉｎａｌｓ               ｉｎ               ｃｈａｒｇｅ               ｏｆ               ｂａｎｋｓ               ｏｒ               ｓｏｍｅ               ｇｕｙ               ｎａｍｅｄ               Ｔｗｏ-Ｆｉｎｇｅｒ               Ｖｉｔｏ               ｄｏｗｎ               ａｔ               ｔｈｅ               ｐｏｏｌ               ｈａｌｌ. Ｂｏｔｈ               ｔｈｏｓｅ               ｗａｙｓ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ａｒｅ               ｇｒｅａｔ               ｉｆ               ｙｏｕ               ａｒｅ               ｉｎｔｏ               ｕｓｕｒｙ               ａｎｄ               ｂｅｉｎｇ               ｔｒｅａｔｅｄ               ｌｉｋｅ               ａ               ｃｒｉｍｉｎａｌ               ｉｆ               ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｌａｔｅ               ｗｉｔｈ               ｊｕｓｔ               ｏｎｅ               ｐａｙｍｅｎｔ. Ｏｐｔｉｏｎｓ               ｅｘｉｓｔ               ｆｏｒ               ｇｅｔｔｉｎｇ               ｙｏｕｒｓｅｌｆ               ａ               ｌｏａｎ,               ａｌｔｈｏｕｇｈ               ｉｎ               ｓｏｍｅ               ｃａｓｅｓ               ｔｈｅ               ｏｐｔｉｏｎｓ               ｍａｙ               ｎｏｔ               ｂｅ               ｍｕｃｈ               ｂｅｔｔｅｒ               ｔｈａｎ               ｓｉｇｎｉｎｇ               ｏｖｅｒ               ｙｏｕｒ               ｌｉｆｅ               ｔｏ               ｓｏｍｅ               ｓｕｉｔ               ｄｏｗｎ               ａｔ               ｔｈｅ               ｌｏｃａｌ               ｂａｎｋ               ｂｒａｎｃｈ. Ｂａｎｋ               Ａｃｃｏｕｎｔ               Ｌｉｎｅ               ｏｆ               Ｃｒｅｄｉｔ                               Ｓｅｔｔｉｎｇ               ｕｐ               ａ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ｆｒｏｍ               ｙｏｕｒ               ｂａｎｋ               ａｃｃｏｕｎｔ               ｍｅａｎｓ               ｆｉｌｌｉｎｇ               ｏｕｔ               ａ               ｍｕｃｈ               ｓｈｏｒｔｅｒ               ｆｏｒｍ               ｔｈａｎ               ｉｓ               ｎｅｃｅｓｓａｒｙ               ｆｏｒ               ａ               ｆｕｌｌ               ｂｌｏｗｎ               ｌｏａｎ. Ｔｈｅ               ａｄｖａｎｔａｇｅｓ               ｏｆ               ａ               ｂａｎｋ               ａｃｃｏｕｎｔ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ａｒｅ               ｔｈａｔ               ｙｏｕ               ｂｏｒｒｏｗ               ｏｎｌｙ               ｍｏｎｅｙ               ｙｏｕ               ｎｅｅｄ               ａｎｄ               ｙｏｕ               ｒｅｐａｙ               ｔｈｅ               ｌｏａｎ               ａｓ               ｙｏｕ               ｗｏｕｌｄ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ. Ｔｈｅ               ｄｏｗｎｓｉｄｅ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｏｆｆ               ａ               ｂａｎｋ               ａｃｃｏｕｎｔ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ａｒｅ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｑｕｉｔｅ               ｑｕｉｃｋｌｙ               ｆｉｎｄ               ｙｏｕｒｓｅｌｆ               ｄｒｏｗｎｉｎｇ               ｉｎ               ｄｅｂｔ               ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ｓｅｌｆ-ｄｉｓｃｉｐｌｉｎｅ. Ａｎｏｔｈｅｒ               ｄｉｓａｄｖａｎｔａｇｅ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｏｎ               ｔｈｅ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ｃａｎ               ｃｈａｎｇｅ               ｆａｓｔｅｒ               ｔｈａｎ               ａ               ｃａｎｄｉｄａｔｅ               ｗｈｏ               ｈａｓ               ｊｕｓｔ               ｇｏｔｔｅｎ               ｅｌｅｃｔｅｄ               ｉｎｔｏ               ｏｆｆｉｃｅ.                Ｈｏｍｅ               Ｅｑｕｉｔｙ               Ｌｏａｎ                               Ｔｈｅ               ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎ               ｉｓ               ａ               ｍｅｔｈｏｄ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｔｈａｔ               ｉｓ               ｖｅｒｙ               ｐｏｐｕｌａｒ. Ｙｏｕｒ               ｏｐｔｉｏｎｓ               ａｒｅ               ｔｏ               ｂｏｒｒｏｗ               ｍｏｎｅｙ               ｆｏｒ               ａ               ｆｉｘｅｄ               ａｍｏｕｎｔ               ｏｒ               ｔｏ               ｅｓｔａｂｌｉｓｈ               ａ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ. Ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎｓ               ａｒｅ               ｅｓｓｅｎｔｉａｌｌｙ               ｓｅｃｏｎｄ               ｍｏｒｔｇａｇｅｓ               ｏｎ               ｙｏｕｒ               ｈｏｍｅ               ａｓ               ｔｈｅ               ｌｏａｎ               ｉｓ               ｓｅｃｕｒｅｄ               ｂｙ               ｔｈｅ               ｐｒｏｐｅｒｔｙ. Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｍａｋｅ               ｙｏｕｒ               ｐａｙｍｅｎｔｓ,               ｔｈｅ               ｌｅｎｄｅｒ               ｃａｎ               ｆｏｒｅｃｌｏｓｅ               ｊｕｓｔ               ａｓ               ｉｆ               ｔｈｅ               ｌｏａｎ               ｗａｓ               ａｎ               ｏｒｉｇｉｎａｌ               ｍｏｒｔｇａｇｅ. Ｉｎ               ｍｏｓｔ               ｃａｓｅｓ,               ｔｈｉｓ               ｍｅａｎｓ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ａｌｌｏｗｓ               ｙｏｕ               ｔｏ               ｇｅｔ               ｕｐ               ｔｏ               80%               ｏｆ               ｔｈｅ               ｅｑｕｉｔｙ               ｉｎ               ｙｏｕｒ               ｈｏｍｅ. Ｌｏｏｋ               ｆｏｒ               ｌｏｗ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅｓ               ｗｈｅｎ               ａｐｐｌｙｉｎｇ               ｆｏｒ               ａ               ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎ,               ｂｕｔ               ｂｅ               ａｗａｒｅ               ｔｈａｔ               ａｆｔｅｒ               ａ               ｃｅｒｔａｉｎ               ａｍｏｕｎｔ               ｏｆ               ｔｉｍｅ               (ｕｓｕａｌｌｙ               ｓｉｘ               ｍｏｎｔｈｓ)               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｗｉｌｌ               ｂｅ               ｓｕｂｊｅｃｔ               ｔｏ               ｆｌｕｃｔｕａｔｉｏｎｓ               ｉｎ               ｔｈｅ               ｐｒｉｍｅ               ｒａｔｅ. Ａ               ｗｉｓｅｒ               ａｐｐｒｏａｃｈ               ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｓｉｔｕａｔｉｏｎ               ａｔ               ｔｈｅ               ｔｉｍｅ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｉｓ               ｔｏ               ｌｏｃｋ               ｙｏｕｒｓｅｌｆ               ｉｎｔｏ               ｔｏ               ａ               ｆｉｘｅｄ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｆｏｒ               ｔｈｅ               ｔｅｒｍ               ｏｆ               ｔｈｅ               ｌｏａｎ. Ｏｎｅ               ｏｆ               ｔｈｅ               ｂｅｎｅｆｉｔｓ               ｏｆ               ａ               ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｃｈａｒｇｅｓ               ｏｎ               ｔｈｅ               ｌｏａｎ               ｍａｙ               ｂｅ               ｆｕｌｌｙ               ｄｅｄｕｃｔｉｂｌｅ               ｗｈｅｎ               ｙｏｕ               ｉｔｅｍｉｚｅ               ｙｏｕｒ               ｔａｘ               ｄｅｄｕｃｔｉｏｎｓ.                Ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎｓ               ｄｏ               ｃｏｍｅ               ｗｉｔｈ               ｓｏｍｅ               ｄｉｓａｄｖａｎｔａｇｅｏｕｓ               ｐｏｉｎｔｓ               ｔｏ               ｃｏｎｓｉｄｅｒ. Ｔｈｅ               ｌｕｘｕｒｙ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｏｆｆ               ｔｈｅ               ｅｑｕｉｔｙ               ｉｎ               ｙｏｕｒ               ｈｏｍｅ               ｃｏｕｌｄ               ｂｅ               ｄｅｐｅｎｄｅｎｔ               ｏｎ               ｃｌｏｓｉｎｇ               ｃｏｓｔｓ               ａｎｄ               ａｄｄｉｔｉｏｎａｌ               ｆｅｅｓ. Ｉｎｑｕｉｒｅ               ｏｆ               ｙｏｕｒ               ｌｅｎｄｅｒ               ｉｆ               ｔｈｅｙ               ａｒｅ               ｗｉｌｌｉｎｇ               ｔｏ               ｗａｉｖｅ               ｔｈｅ               ｆｅｅｓ               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ｒｅｍａｉｎｓ               ｏｐｅｎ               ｆｏｒ               ａｔ               ｌｅａｓｔ               ｔｗｏ               ｙｅａｒｓ. Ｆｏｒｅｃｌｏｓｕｒｅ               ｉｓ               ｔｈｅ               ｕｌｔｉｍａｔｅ               ｄｏｗｎｓｉｄｅ               ｔｏ               ａ               ｈｏｍｅ               ｅｑｕｉｔｙ               ｌｏａｎ,               ｓｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｐａｙｍｅｎｔｓ               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｓｈｏｕｌｄ               ｌｏｓｅ               ｙｏｕｒ               ｊｏｂ               ｏｒ               ｅｘｐｅｒｉｅｎｃｅ               ｓｏｍｅ               ｏｔｈｅｒ               ｅｃｏｎｏｍｉｃ               ｃａｔａｓｔｒｏｐｈｅ.                Ｍａｒｇｉｎ               Ａｃｃｏｕｎｔ               Ｌｏａｎ                               Ａｎｏｔｈｅｒ               ｏｐｔｉｏｎ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｉｓ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ｉｎ               ｗｈｉｃｈ               ｙｏｕ               ｃａｎ               ｕｔｉｌｉｚｅ               ｙｏｕｒ               ｉｎｖｅｓｔｍｅｎｔｓ               ａｓ               ｙｏｕｒ               ｓｏｕｒｃｅ               ｆｏｒ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｗｉｔｈｏｕｔ               ｎｅｅｄｉｎｇ               ｔｏ               ｔｏｕｃｈ               ｙｏｕｒ               ｐｒｉｎｃｉｐａｌ. Ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎｓ               ｄｏｎ'ｔ               ｒｅｑｕｉｒｅ               ｅｘｔｅｎｓｉｖｅ               ｆｏｒｍｓ               ｔｏ               ｆｉｌｌ               ｏｕｔ;               ｕｓｕａｌｌｙ               ｔｈｅ               ｐａｐｅｒｗｏｒｋ               ｉｓ               ｌｉｍｉｔｅｄ               ｔｏ               ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ａｇｒｅｅｍｅｎｔ               ｔｈａｔ               ｓｉｍｐｌｙ               ｓｐｅｌｌｓ               ｏｕｔ               ｔｈｅ               ｔｅｒｍｓ               ｏｆ               ｔｈｅ               ｌｏａｎ. Ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ａｌｌｏｗｓ               ｙｏｕ               ｔｏ               ｂｏｒｒｏｗ               ｕｐ               ｔｏ               50%               ｏｆ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｙｏｕｒ               ｓｅｃｕｒｉｔｉｅｓ. Ａｓ               ａｎ               ｅｘａｍｐｌｅ,               ｌｅｔ'ｓ               ｓａｙ               ｔｈａｔ               ｙｏｕｒ               ｂｒｏｋｅｒａｇｅ               ａｃｃｏｕｎｔ               ｉｓ               ｗｏｒｔｈ               $100,000. Ｗｉｔｈ               ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ,               ｙｏｕ               ｃａｎ               ｖｅｒｙ               ｅａｓｉｌｙ               ｂｏｒｒｏｗ               $50,000               ｗｉｔｈ               ｍｕｃｈ               ｆｕｓｓ               ｏｒ               ｍｕｓｓ. Ａ               ｈｕｇｅ               ａｄｖａｎｔａｇｅ               ｏｆ               ｔｈｅ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ｉｓ               ｔｈａｔ               ｙｏｕ               ｃｈｏｏｓｅ               ｔｈｅ               ｔｉｍｅｌｉｎｅ               ｆｏｒ               ｐａｙｂａｃｋ. Ｙｏｕ               ｃａｎ               ｐａｙ               ｂａｃｋ               ｉｍｍｅｄｉａｔｅｌｙ               ｏｒ               ｙｏｕ               ｃａｎ               ｓｐｒｅａｄ               ｔｈｅ               ｐａｙｂａｃｋ               ｏｖｅｒ               ｔｉｍｅ. Ｊｕｓｔ               ｋｅｅｐ               ｉｎ               ｍｉｎｄ               ｔｈａｔ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｗｉｌｌ               ａｃｃｒｕｅ               ｉｆ               ｙｏｕ               ｔａｋｅ               ｙｏｕｒ               ｔｉｍｅ               ｐａｙｉｎｇ               ｔｈｅ               ｌｏａｎ               ｂａｃｋ. Ｂｅｃａｕｓｅ               ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ｉｓ               ｐｒｉｍａｒｉｌｙ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｏｓｅ               ｗｅａｌｔｈｙ               ｅｎｏｕｇｈ               ｔｏ               ｈａｖｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｓｅｃｕｒｉｔｙ               ｈｏｌｄｉｎｇｓ,               ｙｏｕ               ｃａｎ               ａｌｓｏ               ｅｘｐｅｃｔ               ｔｏ               ｅｎｊｏｙ               ｓｏｍｅ               ｔａｘ               ｂｅｎｅｆｉｔｓ:               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｉｓ               ｄｅｄｕｃｔｉｂｌｅ,               ｂｕｔ               ｔｈｅ               ｍｅｔｈｏｄｏｌｏｇｙ               ｏｆ               ｄｅｄｕｃｔｉｂｉｌｉｔｙ               ｄｅｐｅｎｄｓ               ｕｐｏｎ               ｈｏｗ               ｔｈｅ               ｌｏａｎ               ｉｓ               ｕｓｅｄ. Ｔｈｅ               ｄｏｗｎｓｉｄｅ               ｔｏ               ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ｓｕｂｊｅｃｔ               ｔｏ               ｖａｒｉａｂｉｌｉｔｙ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｍｏｖｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｐｒｉｍｅ               ｒａｔｅ. Ａｎｏｔｈｅｒ               ｄｏｗｎｓｉｄｅ               ｉｓ               ｔｈａｔ               ｉｆ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｙｏｕｒ               ａｃｃｏｕｎｔ               ｄｒｏｐｓ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ａｓｋｅｄ               ｔｏ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｓｈｏｒｔｆａｌｌ               ｉｎ               ｖａｌｕｅ. Ｔｈｉｓ               ｍｅａｎｓ               ｙｏｕ               ｃａｎ               ｐａｙ               ｉｎ               ｃａｓｈ,               ｂｕｔ               ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ｅｎｏｕｇｈ               ｃａｓｈ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｓｈｏｒｔｆａｌｌ,               ａ               ｓｅｇｍｅｎｔ               ｏｆ               ｙｏｕｒ               ａｃｃｏｕｎｔ               ｈｏｌｄｉｎｇ               ｃａｎ               ｂｅ               ｓｏｌｄ               ｔｏ               ｓａｔｉｓｆｙ               ｔｈｅ               ｍａｒｇｉｎ               ｃａｌｌ. Ｔｈｉｓ               ｕｎｐｌｅａｓａｎｔ               ｅｌｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ               ｒｅｍａｉｎｓ               ｉｎ               ｐｌａｃｅ               ｅｖｅｎ               ｉｆ               ｔｈｅｒｅ               ｉｓ               ａ               ｒａｌｌｙ               ｉｎ               ｔｈｅ               ｍａｒｋｅｔｓ               ｔｈｅ               ｖｅｒｙ               ｎｅｘｔ               ｄａｙ               ａｎｄ               ｔｈｅ               ｖａｌｕｅ               ｒｉｓｅｓ               ｉｎ               ｒｅｓｐｏｎｓｅ.                Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               Ｐｏｌｉｃｙ               Ｌｏａｎ                               Ｗｈｅｎ               ｙｏｕ               ｈａｖｅ               ａｎｙ               ｋｉｎｄ               ｏｆ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｏｔｈｅｒ               ｔｈａｎ               ｔｅｒｍ,               ｙｏｕ               ａｒｅ               ｂｕｉｌｄｉｎｇ               ｕｐ               ａ               ｃａｓｈ               ｓｕｒｒｅｎｄｅｒ               ｖａｌｕｅ. Ｔｈｉｓ               ｅｑｕｉｔｙ               ｔｈａｔ               ｈａｓ               ｂｅｅｎ               ｂｕｉｌｔ               ｕｐ               ｃａｎ               ｂｅ               ｂｏｒｒｏｗｅｄ               ａｇａｉｎｓｔ               ｓｉｍｐｌｙ               ｂｙ               ｃｏｎｔａｃｔｉｎｇ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ａｎｄ               ｍａｋｉｎｇ               ａ               ｆｏｒｍａｌ               ｒｅｑｕｅｓｔ               ｆｏｒ               ａ               ｌｏａｎ. Ｉｆ               ｙｏｕ               ｎｅｅｄ               ｍｏｎｅｙ               ｆａｓｔ               ａｎｄ               ｈａｖｅ               ｂｕｉｌｔ               ｕｐ               ｔｈｉｓ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｅｑｕｉｔｙ,               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｌｏａｎ               ｉｓ               ｏｎｅ               ｏｆ               ｔｈｅ               ｂｅｓｔ               ｍｅｔｈｏｄｓ               ａｔ               ｙｏｕｒ               ｄｉｓｐｏｓａｌ               ａｓ               ｔｈｅ               ｌｏａｎ               ｃａｎ               ｓｏｍｅｔｉｍｅｓ               ｂｅ               ｐｒｏｃｅｓｓｅｄ               ｗｉｔｈｉｎ               ａ               ｍａｔｔｅｒ               ｏｆ               ａ               ｃｏｕｐｌｅ               ｏｆ               ｄａｙｓ. Ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｏｎ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｌｏａｎ               ｔｅｎｄ               ｔｏ               ｖａｒｙ               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｌｉｆｅ               ｓｔａｇｅ               ｏｆ               ｔｈｅ               ｐｏｌｉｃｙ. Ａｎ               ｏｌｄｅｒ               ｐｏｌｉｃｙ               ｇｅｎｅｒａｌｌｙ               ｐｒｏｖｉｄｅｓ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｆｏｒ               ｖｅｒｙ               ｌｏｗ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ. Ｎｅｗｅｒ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｇｅｎｅｒａｌｌｙ               ｏｐｅｒａｔｅ               ｗｉｔｈ               ａ               ｖａｒｉａｂｌｅ               ｒａｔｅ               ｎｏｔ               ｕｎｌｉｋｅ               ｔｈａｔ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ａ               ｍａｒｇｉｎ               ａｃｃｏｕｎｔ               ｌｏａｎ. Ｏｎｅ               ｏｆ               ｔｈｅ               ａｄｖａｎｔａｇｅｓ               ｔｏ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｉｎ               ｔｈｉｓ               ｗａｙ               ｉｓ               ｔｈａｔ               ｔｉｍｅ               ｆｒａｍｅ               ｆｏｒ               ｐａｙｂａｃｋ               ｏｆ               ｔｈｅ               ｌｏａｎ               ｉｓ               ｖｅｒｙ               ｆｌｅｘｉｂｌｅ,               ａｌｔｈｏｕｇｈ               ｉｎｔｅｒｅｓｔ               ａｃｃｒｕｅｓ               ａｓ               ｙｏｕ               ｐｏｓｔｐｏｎｅ               ｃｏｍｐｌｅｔｅｌｙ               ｐａｙｂａｃｋ. Ｔｈｅ               ｂｉｇｇｅｓｔ               ｄｉｓａｄｖａｎｔａｇｅ               ｔｏ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｌｏａｎ               ｉｓ               ｔｈａｔ               ａｎｙ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｌｏａｎ,               ｉｎｃｌｕｄｉｎｇ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｂｕｉｌｄｉｎｇ,               ｔｈａｔ               ｉｓｎ'ｔ               ｒｅｐａｉｄ               ａｃｔｓ               ａｓ               ａｎ               ｏｆｆｓｅｔ               ｔｈｅ               ｄｅａｔｈ               ｂｅｎｅｆｉｔ               ｔｈａｔ               ｔｈｅ               ｐｏｌｉｃｙ'ｓ               ｂｅｎｅｆｉｃｉａｒｙ               ｗｏｕｌｄ               ｒｅｃｅｉｖｅ. Ａｓ               ａｎ               ｅｘａｍｐｌｅ,               ｉｆ               ｙｏｕｒ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｉｓ               ｆｏｒ               $100,000               ａｎｄ               ｙｏｕ               ｈａｖｅ               ｂｏｒｒｏｗｅｄ               $10,000               ｔｈａｔ               ｙｏｕ               ｎｅｖｅｒ               ｒｅｐａｉｄ,               ｔｈｅｎ               ｔｈｅ               ｐａｙｏｕｔ               ｔｏ               ｔｈｅ               ｂｅｎｅｆｉｃｉａｒｙ               ｄｉｐｓ               ｄｏｗｎ               ｔｏ               $90,000.                Ｓｏｕｒｃｅｓ:                ｈｔｔｐ://ｗｗｗ.ｇａｅｂｌｅｒ.ｃｏｍ/Ｂａｎｋ-Ｃｒｅｄｉｔ-Ｌｉｎｅｓ.ｈｔｍ                ｈｔｔｐ://ｗｗｗ.ｓｏｙｏｕｗａｎｎａ.ｃｏｍ/ｂｒｏｋｅｒａｇｅ-ａｃｃｏｕｎｔ-ｌｏａｎ-8528.ｈｔｍｌ                ｈｔｔｐ://ｗｗｗ.ｂａｎｋｒａｔｅ.ｃｏｍ/ｆｉｎａｎｃｅ/ｄｅｂｔ/ｈｏｍｅ-ｅｑｕｉｔｙ-ｌｏａｎ-ｖｓ-ｌｉｎｅ-ｏｆ-ｃｒｅｄｉｔ-1.ａｓｐｘ                ｈｔｔｐ://ｗｗｗ.ｎｅｗｙｏｒｋｌｉｆｅ.ｃｏｍ/ｎｙｌ/ｖ/ｉｎｄｅｘ.ｊｓｐ?ｖｇｎｅｘｔｏｉｄ=291447ｂｂ939ｄ2210ａ2ｂ3019ｄ221024301ｃａｃＲＣＲＤ

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debt securities vs equity securities

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debt securities vs equity securities

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debt securities vs equity securities

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