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Archives for: David S. Chang
David S. Chang
Thinking Smart // Four Traits Of Above-average Savers
Your net worth is a measure of where you stand financially. You calculate it by taking everything you own and subtracting everything you owe. Hopefully,...

David S. Chang
Thinking Smart // How Long Does It Take To Be Rich?
Today’s culture glorifies getting rich as quickly as possible. This is why many people try to take shortcuts and fall for rich-quick scams. Despite the...

David S. Chang
Thinking Smart // Revealing Daily Habits Of The Wealthy
According to a recent study by Tom Corley, author of Rich Habits: The Daily Success Habits Of Wealthy Individuals, there are few key habits that...

David S. Chang
Thinking Smart // Four Critical Retirement Mistakes
With more employers dropping pensions in favor of 401(k)s, 403(b)s, SEP or SIMPLE IRAs, and profit-sharing plans, it is critical employees make the most of...

David S. Chang
Thinking Smart // How to Boost Your Credit Score
We all know how important our credit score is. It affects our home and auto loans, credit cards, insurance rates and even job or rental...

David S. Chang
Thinking Smart // The Top Predictor of Success
Every year, people in the U.S. spend $10 billion to learn what it takes to become more successful. What separates those who succeed from those...

David S. Chang
Thinking Smart // Should You Do Your Own Taxes?
By now, most of you should have received your 1099s or W2s from your employer to start your taxes. According to a recent survey, 49...

David S. Chang
Thinking Smart // Smart Social Security Strategies
According to a recent study, 78 percent of pre-retirees felt that they needed to know more about strategies for sustainable income in retirement. Retirement income...

David S. Chang
Thinking Smart // The True Costs Of Home Ownership
For most people, buying a home is the largest purchase they will make in their lives. People used to believe that buying a home always...

David S. Chang
Thinking Smart // Weight Loss About Lifestyle, Not Diets
Losing weight is one of the top New Year’s resolutions people set. According to studies, only 77 percent maintain it for just a week, and...

David S. Chang
Thinking Smart // Should You Buy Or Lease A Car?
Recently, I had to shop for a new car, visiting eight different dealerships. For many people, this is one of the most expensive purchases they...

David S. Chang
Thinking Smart // Top 10 Financial New Year’s Resolutions
Have you set your New Year’s resolutions yet? According to a recent study, 31 percent of them are money-related. The top financial resolution was to...

David S. Chang
Thinking Smart // How To Make More Money, Part 3
In this series, I give tips that you immediately can implement to earn more money for this upcoming year. • Evaluate your asset allocation and...

David S. Chang
Thinking Smart // How to Make More Money, Part 2
In this series, I give tips that you can immediately implement to start earning more money in 2015. Last week we talked about the power...

David S. Chang
Thinking Smart // How To Make More Money In 2015
With 2015 quickly approaching, this is a great opportunity to re-evaluate your investment accounts and strategy. Many people make the mistake of thinking they need...

David S. Chang
Thinking Smart // Performing Better In Work, School, Life
Want to become more productive and perform better? Studies have shown that the single greatest thing you can do is to get more sleep. More...

David S. Chang
Thinking Smart // Retirement Benefits Will Change In ’15
There will be important changes to Social Security, Medicare, Individual Retirement Accounts and 401(k)s starting next year. Here are the new features your retirement benefits...

David S. Chang
Thinking Smart // End Of The Year Tax Tips, Part 2
Last week we covered tax benefits to take advantage of before the end of the year. Go to artofthinkingsmart.com/go/tax for more tax information and to...

David S. Chang
Thinking Smart // Valuable End-of-the-year Tax Tips
Last year, more than 50 popular tax provisions expired and, unfortunately, we don’t know if they will be extended for this year. With the end...

David S. Chang
Thinking Smart // Why You Need a Financial Plan, Part 4
Creating a financial plan helps you discover and establish your financial goals, and then develop a plan to help you achieve those goals. In the...

CLICK HERE FOR ARTICLES PRIOR TO FEBRUARY 2012