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Please help.

We have a $5000 landscaping project coming up that we need to pay for. I am trying to figure out the best way to pay for it. Here are some things that may help:

- We dont have any credit card debt
- We have equity in our home and good credit
- The landscaper does not take credit cards
- We dont have enough money in the bank to write a check
- We could sell some stock to get the money

My initial thinking is to use a Cash Advance Check from a credit card and pay the credit card back within about 1 year (using an intro rate card and probably transerring once).

The only problem is that every credit card Ive found charges you 1%-3% when you use these checks. Thats between $50 and $150 right off the top!

Is there a better solution?
Would a home equity loan be better? (I dont know much about these)
Does anyone know of a credit card that has a low rate and does NOT charge for the checks?


PS. I want to avoid selling any stock.
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