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.
Declutter your life! Our March issue features a complete guide to streamlining your life, from Peter Walsh's 30-Day Organization Challenge to innovative ways to clear your mind. Plus, go behind the scenes of Oprah's yard sale and find out how you can improve the world with a simple "hello."