If you're still debating whether to rent or buy, this article is for you. If you are not in this boat, I suppose you can turn the page, take another sip of your coffee and enjoy one of the other cool articles in this paper. For the rest of you, this is not always a simple question to answer. We'll talk about some of the items you should be considering as you make your choice. It really comes down to your "five-year plan" and how much pizza and beer money you have saved over the last couple years.

Honestly, there's a pretty big pile of things that you should have lined up before you can purchase a home. The fastest way to find out is to head on over to your local bank and have a sit-down with one of their mortgage specialists.

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