Thanks Hargrove. I'll take a look.
For those that think taking out a security backed loan is a bad idea, would you not do it with any collateral (eg stocks, house) or is the concern mostly targeted at securities because they can be volatile? I'm trying to understand that is particularly risky about a security backed personal loan. The risk of the lender forcing a sale would be present with any collateral, but it's still a common practice to take out a mortgage to purchase a home.