here's karen gibbs, founder of the gibbs perspective, a company focusing on financial literacy. >> with signs of slow, steady improvement in the housing market nationwide, is now the time to buy? before you start packing, ask yourself this question: are you planning on staying put for at least five years in one place an on e job? if the answer is yes, low mortgage rates and steady to rising home prices may prove attractive to you. to make the experience positive, get your house in order: make sure your credit history is accurate. recent reports cite a 20% error rate that can cost you time and money. pre-qualify for a mortgage from a mainstream financial institution willing to estimate how much you can borrow. be prepared to pay closing costs of as much as 5% of the value of the mortgage on topf a 20% down payment. once you make the move, remember your home is, first and foremost, shelter. don't repeat the mistake of using it as a piggy bank. there are cheaper, more liquid and reliable investments at hand. i'm karen gibbs. >> susie: and finally tonight, inmate number 12191-029, better kn