That's my reward for coming here in 1999. We couldn't even get bank loans when I came. Everything had to be bought with cash or owner financing.

They're still affordable. They have to be gutted, need new plumbing, new electric, new roof. Sometimes they have to jack up the floors. But they want something historic.

That's what made her decide. There's no place for the kids to go.

The way he's done his job is very good. This is the reward for that and I'm delighted he's signed.

We shouldn't have had to go five times to the well, but we got our reward in the end.

Don't be swayed by bells and whistles, like reward programs or miles. A lot of consumers are drawn to these, but if you carry a balance, the interest rate may not be worth it.