Many times when people are working at correcting their financial status they focus their efforts in locating more money to pour over their personal finance issues. The solution for most is to get a part-time job now. However, I have not always been a fan of getting a part time job with but having [...]

When considering your finances, there are three areas that should dominate your thoughts…current cash situation, desired financial future and possible financial devastation. Current cash situations can be summed up quickly, by outlining all household incomes. Desired financial future is determined by what is done with said income in the terms of managing a [...]

As the number of Americans facing foreclosure of their homes, manycould be saved if only they understood the processs more. Here are some tips to protect your home.
1. Don’t ignore your mortgage problem – If you are unable to pay your mortage, dont hide from your lender. Call them and try to work [...]

Its National Education Week and kids and families all across America are celebrating learning. And after leaving my kid’s school I realized kids still really only like 3 components of school: lunch, recess and the “end of day” bell. So how does one motivate one’s self to be more interested in education?….Expose the [...]

Any unplanned and/or unaccounted for holiday can leave a month feeling a little “longer” for anyone living on a “month to month” budget. Particular attention should be given to the holiday months and the high expenditure amount associated with this time of the year. Typically, the time spanning from Thanksgiving to New Years place [...]

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 [...]