Suze Orman

Unless you own that home outright, you know you have more money than you'll ever need, that it's not a big deal.

Okay, I don't have a problem with that.

But if you're like most people in America today that have a mortgage that

that really you couldn't carry yourself for more than one or two years without accessing your stock portfolio, which is something I do not want you to look at as an emergency account, especially when the markets are down and could go down even more considerably from here.

That is not where I want you to go, where I would want you to go to help yourselves, not on your credit cards because interest rates will be too high, whatever it may be, would be this particular home equity line of credit.

We worked hard on it to give you every possible advantage over other home equity lines of credit.

Now, maybe there'll be another one,

whatever.

But I have to tell you, I don't think it will give you all the advantages that I just gave you.

Many of you already have home equity lines of credit out there.

And I have a feeling that if you compare this one

to the one that you already have, chances are you're going to want to transfer from yours to this one, seriously.

Because it really is one of the best ones out there now.

You are not to just get this for you to have a checkbook to spend it on anything you want.

If you have credit card debt,

You are not to transfer your credit card debt to the equity in your home.

You never do an unsecured loan like credit card debt and transfer it to a secure loan like a home equity line of credit.

This is not for you.

We created this for people who want backup just in case while everything is still known and everything is good and the value of your house is still as it should be.

So it doesn't cost you anything.