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Make Space for Risk in the Life of Your Middle-Schooler

Middle School.  I know no one who would be willing to relive those awkward, anxious years.  Changing bodies, changing classes, changing circles of friends.  More hormones, more homework, more stress.  And, as parents who have lived through it, it’s natural for us to want to minimize the discomforts of adolescence for our children.  And it’s […]

One thing I hear from clients over and over again is how tired they are. It’s due to so many things.  First, we are just OVER extended!  Between work, kids’ activities, social obligations, and more – clients often say that they just feel like they can’t keep up.  When you haven’t had enough sleep – […]

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Many of us get our teeth cleaned at a dental office at least twice a year.  Many times, the areas that we struggle trying to brush and floss are the same areas the dental hygienist struggles with as well.  Sometimes the problem can be poor restorations, but the majority of the time it is due […]

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Credit scores are comprised of 5 factors.  Points are awarded for each component, and a high score is most favorable. There are three bureaus and each one may factor the scores slightly different.  Occasionally you may find that some credit information is only reported to 1 or 2 bureaus, instead of all 3.  This is […]

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As an attorney with a practice focusing on Business Law and Estate Planning, I have met a fair share of individuals who have started businesses without doing the proper legwork and without knowing what they were getting themselves into.  Before long, problems with business partners, legal issues, and money issues throw the business into a […]

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Hi. My name is Mary Stovall. I’m a part of Carmel Valley Life because it’s an opportunity for me to meet new people that I don’t know and also, for exposure for my business. I teach people how to use Google+ either on a personal or small business level. It’s always fun, always really lots […]

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Did you know that your home can affect your health? Ever wonder why, when you are in one home, you feel energized, and when you are in another, you feel your energy zaps away? Take a look at your home.  First thing is to clear your clutter. Clean your home thoroughly.  Use colors to energize […]

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The origin of credit scoring dates back to the 1950’s.  The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money.  The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]

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When a man comes into my dental office, I always ask them “Do you have a toothache or did your wife make you this appointment?” Inevitably the man responds “Yes” to one or both of the questions. Men are less likely than women to take care of their physical health, and according to studies and […]

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Felena Hanson considers the impact of Obama’s presidency on small business owners and the lessons we can learn from event that have occurred during his eventful time in office.  Whether you’re for or against his legislation, Obama and his big government has had a powerful impact on entrepreneurship and small business.  As a small business […]

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About a year ago a friend called me and asked if I wanted to join him on a skydiving trip.  Two years ago I would have jumped at the opportunity, however this time there was something different.  Before I answered him, I started to think about my life insurance policy and if I had made […]

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Hi this is Amy Chang, licensed manager and family therapist. I’m here to give you another tip on how to cultivate your happiness. Today’s tip is to take breaks during your long hours at work. It’s important for you to take that five minute, ten minute break to go outside and to get some fresh […]

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