..Line of credit .this is a good idea if you know a bit about investing,,,have your lender issue a letter stating that the funds are used for investments ( stocks ),as this is not necessary, all your interest is shown as carrying charges and interest expenses and is shown on line 221 on your tax return. Revenue Canada could ask at some time to prove that you have investments because of the interest you are deducting , so its good to have a paper trail. Consider now that you have money to invest, as it is only costing you a couple of percent, so, if you invest in stocks paying 10 % dividends your up 8 % for doing nothing. Gamblers ( like my self ) will buy juniors that have the potential of 1000 % increase and also allow a higher share ratio and their is nothing wrong with a lot of paper.The World requires a lot of resources of all types going forward, so do ones DD on your 50 favorites and set some goals,one should be well rewarded. Traps7