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You don’t have to put your home on the line. And one con. You’ll likely pay a higher interest rate. A second pro is that.

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Value (economics) – Wikipedia – Economic value is a measure of the benefit provided by a good or service to an economic agent.It is generally measured relative to units of currency, and the interpretation is therefore "what is the maximum amount of money a specific actor is willing and able to pay for the good or service"?. Among the competing schools of economic theory there are differing theories of value.

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