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Second, one should have a margin account with the broker. Again, the margin costs you nothing as long as you don't borrow but it is there as a cash management tool for when you need it.

Now that you have your tools lined up, here is how you use them. You pay everything you can with the credit card and pay it off monthly so as not to have any credit charges. I pay mine with an ACM transfer from my brokerage account. In an emergency you have lots of instant credit available. Should you have such an emergency, put it on the card and pay off the card with margin from your broker. The card credit (about 15 days) is going to be free. Of course, now you have margin debt and you should start pruning the portfolio to pare it down and it can be done in an orderly fashion.

With props to ALL the great contributions you make:

1. Over 45 years of responsible work I've been out-of-work twice as the major breadwiner either totally unemployed or seriously under-employed for a year each time;

2. I've been in a market in which I've had one REALLY serious margin call that seriously killed my investment portfolio through sales and high interest rates;

3. Thank God they never happened at the same time.

Just sayin ...

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