You borrowed money to buy stocks? YIKES! You have to make more on your stock than the interest you are paying, and you can't guarantee that.Also, why not a home equity loan? You get the same enjoyment from using the new porch, etc. while you are paying off the loan, but the interest rate would probably be lower, and you can deduct the interest from your taxes.Any credit you will not pay off in 30 days should be used with some planning. Next time you make a home improvement, or borrow money to pay for an investment, sit down with a pencil and paper and figure out how much it is going to cost you, and how much you need to make from your investment JUST TO BREAK EVEN. Good luck, and good planning.