Just to comment on the loan issue, one can get a big push especially in market downturn. Personally I went for one last year and my picks have gained substantially.
A word of caution though:
1) Make sure u won't repay the loan from gains u make in the market coz this may take a looooong time.
2) Be careful of the picks u make - they must have a high potential for up turn.
Don't forget to shop for reasonable interest rates and your return must exceed these rates.
Time is money, so money is time. Money saved is time gained in reverse! Money stores your life’s energy. You expend your energy, get paid money, and store that money for a future purchase made in a currency.