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Dear Heather,

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With all this in mind, let’s call getting ready to buy a home Baby Step 3b. Save up for a down payment of at least 20 percent to avoid PMI (private mortgage insurance). Also, make sure any mortgage loan is a 15-year, fixed rate loan, where the payments are no more than 25 percent of your monthly take-home pay. Doing it this way may delay your dream of being a homeowner for a while, but it will help ensure your new home is a blessing and not a financial curse! —Dave Planning for future purchases Dear Dave: How far in advance do you recommend figuring future purchases into your budget? –R...

>> dear heather. i can't push these thoughts and emotions to the darkest, most solitary place in my mind anymore. i suppressed so much. your parents think i abused and beat you on multiple occasions and your friends think i controlled and forced you to be with me. i'm so far from abusive sometimes i find it beyond belief how i wound up where i am. i never wanted anything over than your love. i never would have hurt you. yet you are dead and i might as well be. >> but debby norris, heather's mother, says that bean is a liar. >> i know that heather was beaten by him at least four times, four tim...

Stabbed to death. >> dear heather. i can't push these thoughts and emotions to the darkest, most solitary place in my mind anymore. i suppressed so much. your parents think i abused and beat you on multiple occasions and your friends think i controlled and forced you to be with me. i'm so far from abusive sometimes i find it beyond belief how i wound up where i am. i never wanted anything over than your love. i never would have hurt you. yet you are dead and i might as well be. >> but debby norris, heather's mother, says that bean is a liar. >> i know that heather was beaten by him at least fo...