Placing telemarketing calls to wireless phones is – and always has been – illegal in most cases. Why the confusion about telemarketing to wireless phones? Consumers report receiving emails saying they’ll soon begin receiving telemarketing calls on their wireless phones. The confusion seems to stem

If you’re wondering whether to refinance your home loan, you’re not alone. It’s hard to know exactly when to refinance. Speak with a financial advisor before making such an important decision. Also, use our mortgage refinance calculator to get an idea of what your refinance

Although they have been around since the early 1990s, a number of investors and retirement mutual fund participants are asking their brokers about exchange-traded funds, also known as ETFs. These investment vehicles have become popular as a good alternative to mutual funds since they typically

Everyone looks forward to the ceremony and building a life together, but nobody looks forward to digging themselves out from under mountains of debt. The average wedding is setting couples back nearly $30,000; these star-studded affairs are stimulating a wedding industry – with vendors, magazines,

Did you know there is such a thing as private banking? You might if you hold more than $1 million in liquid assets. If you do, congratulations, you are considered a High Net Worth Individual (HNWI). When you fall into this category, you are eligible

If you are still using cash or checks to pay your bills and everyday expenses, there could be a smarter way to manage your finances. With incentives ranging from reward points to cash back deals and low interest rates, using a credit card can help

There are a number of different ways to earn money through real estate investments – it is comparatively easier than investing in the stock market and it has the potential to bring greater returns. And with fewer restriction and rules, the real estate market offers

When renovating and cleaning a rental property, it is often difficult to cut costs while maximizing your return on investment (ROI). Here are some relatively inexpensive tips that will help you improve the rental property, while maximizing its income potential. Clean and Repair before Replacing

Summer is winding down and retailers are stocking up on school supplies and that means it’s time to get the kids ready to go back to school! Time to stock up on the basics that will be needed all year: binder paper, composition books, spiral

Exploring opportunities for investing in real estate? Interested in buying a foreclosure at auction? Don’t miss out of some of the best deals on the market. Auctions can be intimidating places. A little basic knowledge and effective preparation will help buyers avoid unexpected property costs,

If you are looking to buy or sell a house, here are some real estate tips to help you negotiate an advantageous deal for all parties involved: Price it Right Price it high and negotiate down or price it low and look desperate. Perhaps those

Online fraud and cyber related crimes are on the rise, affecting more lives and costing individuals and businesses more money each year. According to the US government, over 10 million Americans are the victims of identity theft each year. And with major company data breaches

A life insurance policy can be designed as a long-term growth for retirement income when your have the time to save for retirement, have maxed out your individual pension contributions on qualified plans or just want some supplemental savings. A private pension, a life insurance

Whether you are just starting out in the workforce, switching jobs or preparing to retire, it’s time to get a firm grasp of the basics of saving for retirement. At some point, every working adult will have or need to have a retirement plan so

The goal of homeownership is one that many of us aspire towards. But with all of that aspiration, very few of us are prepared for all that it entails. The transition between renting property and calling it your own is quite drastic with many elements

If you sell rental or investment property that will get you a gain upon sale, you can avoid capitalgains and depreciation recapture taxes by rolling the proceeds of your sale into a similar type ofinvestment within 180 days. This like-kind exchange is usually referred to