Because a home often is a consumer's most valuable asset, many homeowners use home equity credit lines only for major items, such as education, home improvements, or medical bills, and choose not to use them for day-to-day expenses.
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For example, it shows the strawman has agreed to accept all deposits for and on your behalf into his bank account(just look at your credit card or statement to identify whose account it is) because you cannot touch that filthy lucre.
