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.
Grow your life! Get an exclusive look at Oprah's new farm, uncover 28 fresh ideas for happier living, and learn Bob Greene's top secret to eating smarter. Plus, find out how you can win a trip to Hawaii to have lunch with Oprah!