[MoneyGuy]

I’m a retired financial advisor. I don’t want to horn in on Slava’s thread but will mention that my wife and I are heavily leveraged. It’s right for me but may not be for you or, I would say, for the average person. I used to ask several standard questions to determine suitability when clients asked about leveraging. It’s great when your portfolio is doing well but it’s a tough test when the market turns. I have a high risk tolerance and have been leveraged for 20 years. Best to sit down with someone like Slava to discuss; he’ll be able to assess suitability. I’ll add that dealers are much more strict about leveraging than they were years ago, and won’t allow it in some cases if they don’t feel it’s suitable.