Renting to own can be option if used cautiously

Buyers who are short of enough cash for a downpayment, closing costs, moving expenses and property improvements may find themselves gravitating toward a rent-to-own option.  It also is a route that consumers in the process of repairing their credit my want to try.

But such a concept — which I have found to be employed infrequently — must be pursued with great care. Continue reading

I was once again reminded how doctors feel


"Hey, Doc, it hurts." I know how he feels. (Flickr photo by Laura4Smith)

So, I was in the gym the other day between sets of arm curls when someone stopped me to ask a question.

The guy is friendly enough, but I don’t know him outside the gym and, therefore, wouldn’t call him a friend.

But it turns out that “Andy’s” question turned into a 15-minute conversation from which I couldn’t escape as one question followed another.  In fact, Continue reading