of the parties in the deal. Buyers especially need to take care about this as there are various frauds going on in this market. But rent-to-own purchase plans do have a solid economic boost for both the parties, which mean that they can be structured so that both parties benefit.Contract Features of a Rent-to-own dealsA rent-to-own purchase has some prime provisions. * The selling cost of the house and the rent are market-determined, but they are subject to negotiation in this case just as in a straight purchase or rental transaction. Buyers mostly are unaware of the market scenario than the sellers who always valuate their property from time to time. This places the buyers at a disadvantage unless they do their research which is highly recommended.* For buyers it is said to be generally preferable to opt for a long option period because that would provide them with more time to build equity and repair their credit score if bad enough. But along the period can ricochet back to them as it might work in their loss of worth, since they are losing the rent premium they have been shelling out all the time, in addition to the option fee. * It is also said that it is preferable for sellers to generally opt for a short option period. But if the option period is too short, the house won't be sold at all as it is detrimental to the buyers too.* Both, the option fee and rent premium are perceived differently by buyers and sellers. Buyers take it no less than five during its first 12 years. After 1862, residents decided that the existing levees were insufficient, and raised the level of the entire city by 12 feet. As a result, the first floors of the existing buildings became the basements, or were abandoned entirely. The building that houses Fulton's predates the raising of the city, and the old brick retaining walls which were constructed are clearly visible in the restaurant's main dining area. Much of the labor was done by Chinese immigrants, who came to California in droves during the Gold Rush. Being the manager, Brian Rodriguez spends a lot of time at Fulton's late at night, after the customers and most of the staff have already gone home. He admits that he doesn't particularly like being in the building alone. April Williams has tended bar at Fulton's for six years. Shortly after she started, she found that on some mornings, chairs inside the restaurant had been turned backwards during the previous evening. April, as well as other employees and patrons, have also felt certain cold spots -a phenomenon often associated with spiritual activity. As an experiment, a customer once took home a vase of dried flowers from one of the "haunted" dining booths, where patrons had sometimes complained of chilly drafts. When she woke up the following morning, the chairs at her dining room table had all been turned backwards. She promptly returned the flowers. April said that the staff usually warns new waitresses not to be alarmed by the occasional tugging on their skirts by unseen individuals. In the past, servers have been so unnerved that they have quit. April has never had a ghost tug on her clothing, but she recalls standing near the back of the restaurant one day, and feeling drops of liquid on her head. Looking up, she expected to see wet paint or leaking water from the rafters, but there was no sign of either. In October, 2005, a pair of mother and daughter psychics visited Fulton's, and pointed out certain areas where they said that people had died. The so-called Mafia Room - a large, private space with an oblong table and paneled, wood walls- gave off such negative energy that the two women refused to even enter. Shortly after the two psychics departed, Brian got a lesson in humility. He was joking with some of his employees about their haunted workplace when a large, potted fern about 20 feet from where he was standing suddenly fell over, making a loud clang. The group bolted from the room. Brian is a bit more careful about what he says now.Ghosts of the Delta King Constructed in Stockton, California between 1924 and 1927 with its sister ship, Delta Queen, the luxurious, five-decked sternwheeler Delta King is a repository of colorful anecdotes, myths and memories. Flagships of the California Transportation Company, the pair shuttled passengers, freight and mail between the capital and San Francisco, a dusk-'til-dawn voyage that spanned 125 meandering miles along the Sacramento River. This proud legacy endured for 13 glorious years, but the decades that followed saw the ships' gradual descent into disuse and disrepair. In the 1980's, the King was raised from the muddy riverbed where it had lain half-sunken for 18 months. After five years of extensive repairs and renovations, the King was resurrected as a floating hotel permanently docked in Old Sacramento. Much of the original ship has quietly disappeared over the years - the engines long since scrapped, the paddlewheel replaced by a perfect replica, sections of the hull sealed and re-riveted, the 88 guest rooms consolidated into half as many. But something lingers aboard the 75 year-old vessel, something intangible, yet somehow intransient. The frequent appearance of a little girl dressed in 1930's-era clothing has been observed by numerous employees and hotel guests alike. Sometimes, the child is seen bouncing a ball along the decks or the stairways. She is alternately playful and frolicsome, or melancholy and morose. Sales and Catering Manager Kim Johnson thinks that the girl is the daughter of a woman who worked as a server on the Delta King. While on board, the child took ill and died. Unaware that she has "crossed over," she is looking for her mother. According to Kim, the consensus among Delta King employees is that there are three dominant spirits on board - the little girl, a gentleman, and an elderly woman. Granted, not all of the staff is convinced. In February of 2005, Kim was standing in the hallway outside of the Paddlewheel Saloon, located aft on the second deck, when she noticed out of the corner of her eye a man dressed like a butler. "He was just floating by the window, inside the room." The sighting was in the middle of the day, and the saloon was closed and locked at the time. Upon investigating, Kim found no one inside. Later that year, she observed the same mysterious man standing just outside the saloon. Just as quickly as he had appeared, he faded from view. Karen Macais, who works at the front desk weekdays from 3:00 'til 11:00 p.m., has heard on several occasions the sound of a girl's crying, coming from the hallway behind her. Kim Johnson apparently encountered the ghost in a lighter mood. In December of 2004, Kim and one of the bartenders were in the Delta Lounge on the fourth deck, when the drinking glasses started shaking and rattling, and the sound of high-pitched laughter and a child's running footsteps filled the room. Karen and other employees have also seen a man wearing a captain's hat, a white shirt and dark blue pants. He always appears in the periphery of vision, and seems to approach the front desk before suddenly turning in another direction. To no one's surprise, he strongly resembles the individual whose portrait hangs in the Captain's Suite - the lavishly-furnished quarters on the fifth deck that rents for $550 per night. Jenny Johnson is not particularly unnerved by "the captain," but she was shaken by the eerie, unseen presence that seemed to hover over her when she worked as a "turn-down"- making beds and preparing vacant rooms for future guests -in the Captain's Suite. Concierge Katerina Toulopoulos agrees that there is some kind of presence. "There's no denying it," she said. "Something's there." DeeDe Griffin says that people react differently to allegedly haunted places. In some cases, they are eager to visit and investigate for themselves, or they are skeptics anxious to disprove the rumors. Other guests, however, want nothing to do with restless spirits. Ghosts in the Library As an institution, the Sacramento Library was established in 1857. The New Central Library, a six-story edifice which adjoins the original one, was added in 1992. A $30,000 grant from industrialist Andrew Carnegie funded the main building, which was erected in 1917 and was the first such structure with an all-steel frame. Located at 8th and I streets, the Old Central Library contains meeting rooms, offices, and a Rare Book Room, in the corner of which sits a vault where hundreds of old books and manuscripts are stored. According to branc