The Pros and Cons of Refinancing Your Home

November 4th, 2011

With mortgage interest rates plunging to near rock bottom, you might be considering refinancing your home loan. When you see those ads showing how much you could save every month if you do, it really is tempting; but is refinancing really the smartest move for your personal circumstances? Like most things in life, there are pros and cons to refinancing your mortgage. Take a look at these facts before you make a hasty decision.

The Bright Side

When you refinance your home at a lower interest rate, your monthly payment will be reduced. That means you’ll free up more cash that you can use to pay off other debts or add to your retirement funds.

Another advantage to refinancing is that you will have an entirely new mortgage and, if it’s affordable, you could shorten the terms of the loan on your Rancho Santa Fe real estate. If you currently have 20 [...] Continue Reading…

5 Fun Career Paths You Should Seriously Consider

November 1st, 2011

Every few months or so you see a newspaper article or watch a news report about careers that are “hot” or “in-demand.” But, what if you don’t want to be a corporate stress-puppy? What if you’re looking for a career that’s a little more suited to your personal tastes? There is nothing wrong with thinking outside the box and pursuing a career you will enjoy. Here are some ideas to get you started.

Personal Shopper

Some people start out simply by placing a few flyers around offering shopping services for the elderly. Other people train in high-end retail stores and then branch out on their own as fashion consultants. It doesn’t matter whether you specialize is services to the elderly or you cater to white-collar workers who have little fashion sense, you still get paid to help people while indulging in your favorite hobby.

Video Game Designer

Colleges all over the country offer [...] Continue Reading…

Fun Facts You Need to Know About VOIP

October 28th, 2011

Voice Over Internet Protocol (VOIP) capitalized on the Internet’s vast infrastructure to introduce a revolutionary challenge to traditional telephone networks. But what is it?

VOIP networks – like Skype and Vonage – instantly transmit calls using digital packets that are sent across the Internet to other locations. The introduction of commercially-viable broadband Internet connections around 2004 paved the way for significant development of VOIP networks. Their popularity has surged since then as the system matures and becomes more dependable and secure.

Typically, costs associated with VOIP systems are much less than traditional telephone closed circuit networks because infrastructure is already present and specialized hardware is not needed. It’s these characteristics that have made VOIP networks popular with everyone from grandmas to corporations. In fact, business VOIP is experiencing particularly strong growth as companies discover the wide-ranging benefits.

Here are 15 fun facts about VOIP networks:

The number of worldwide VOIP users is expected [...] Continue Reading…