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Know your rights for canceling PMI (access required)

I want to get the PMI off my mortgage in February of next year, which will be two years from the time of my refinancing. All my payments have been on time. I have communicated with my current mortgage company that I wish to have the PMI canceled, and they informed me in writing that I have to wait for two years and that I have to get an appraisal, which I have to pay for, in order to make sure I will have 20 percent equity of the new appraised value.

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Housing prospects look good for 2013 (access required)

Sure, there are well-publicized negative factors that influence the housing recovery. But there are also very strong positives that are more apt to dominate the path of recovery in 2013 and beyond. Increasingly, economists are changing their signs on the recovery path, from "Danger, muddy road ahead" to "Prepare for good times."

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Buffalo nickels don’t make cents as investment (access required)

The Federal New York Mint is selling 1-pound bags of silver-clad Buffalo nickels of various dates for $49, which includes a free stone arrowhead with each order. If there are approximately 45 to 50 nickels per pound (my guess), and if silver-clad Buffalo nickels are worth an average of 75 cents each, about $35 per bag, then this sounds like a great investment.

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Negligent tenant raises foreclosure risk
 (access required)

My sisters and I "own" some Tennessee properties inherited from my late father, who died in 1984. In his will, he wanted to provide for his current wife, "B,” so she was given a "life estate" for her use of both properties during her lifetime. My sisters and I are the owners on the deeds. One of the properties is a residence, and the other is an income-producing commercial property.

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What to do about shoddy docks (access required)

We bought a property at a lakeside community. Our property has deeded access to a lakeside community park, which is for use of the local property owners. There are number of floating docks that people have placed there for their use to dock boats easily and/or picnic.

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Are obscure stocks worth the risk? (access required)

My pharmacist son-in-law likes to research small, unknown stocks that trade below $10 a share and invest in a few hundred shares of each. He has had a few big wins, but over the past decade I think his many small losses have used up most of his big gains.

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