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I know commenting on this is a complete derailment of the original thread - so sorry about that. When I got engaged I didn't buy a ring. I proposed without it and took her shopping for it. I have never had a fear like it! Walking into a jewellery store to purchase a diamond ring...of her...

I don't hear people saying that? by 'personal' loan I meant 'non-deductible' debt. That is drawing equity in the form a loan. You can't claim the interest - its just costly all round. Use the equity for another IP purchase - and claim the interest.

Chuck it on the credit card - then repay the cc with cash after the interest free days. Don't take on personal debt for cra* like that. It just ends up costing so much - not just in money, but also time and opportunity cost. If you don't have the cash to pay for it - buy something...