Rule #2: If you're buying a home, don't be a pushover.
In response to sharply rising home prices the past few years, lenders have been peddling all sorts of crazy types of mortgages. The worst, in my opinion, is a "negative amortization" loan, where the initial monthly payments are so low that they don't even cover your true interest charges; the result is that your balance just keeps growing. Choosing the right mortgage is the key to having real home security.
Our December issue features Oprah's Favorite Things—as well as your chance to win them all! You'll also find our easy holiday declutter plan, Dr. Oz's guide to sleeping better (starting tonight) and the ultimate holiday menu.