Today, there approximately 640 million credit cards in use, creating a $1.5 trillion habit…I mean industry. The average American carries about $8,000 in credit card debt. And in a time when the nation is suffering its worst economic environment since the depression, the banks are expected to collect over $20 billion in “over the [...]

Family tragedies and a tough childhood, during which her parents held multiple minimum wage jobs and pinched pennies, inspired C. Mali Phonpadith to enter the insurance industry so she could help clients prepare for unexpected challenges.
Phonpadith’s father has worked for the government in Laos prior to the Vietnam War, but the regime blacklisted him because [...]

A friend recently asked, “when is a good time to start saving for the future?” He followed with “…(he) wanted to finish paying off some bills or waiting until a bonus is paid at work before restructuring home finances and start planning for the days ahead.” His question reminded me of [...]