For the millions of voters getting to know him, Senator Joseph R. Biden Jr., the Democratic vice-presidential nominee, portrays himself at times as an average guy who takes the train to work, frets about money and basically has led a middle-class life.
[But] he has benefited from resources and relationships not available to average Americans.
As a secure incumbent who has rarely faced serious competition during 35 years in the Senate, Mr. Biden has been able to dip into his campaign treasury to spend thousands of dollars on home landscaping and some of his Amtrak travel between Wilmington, Del., where he lives, and Washington. And the acquisition of his waterfront property a decade ago involved wealthy businessmen and campaign supporters, some of them bankers with an interest in legislation before the Senate, who bought his old house for top dollar, sold him four acres at cost and lent him $500,000 to build his new home.


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