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Archives for: David S. Chang
David S. Chang
Thinking Smart // Top Mistakes Spouses Make
Managing finances by yourself can be tough. Add on a spouse and kids, and it can make managing finances even more difficult. Surveys show that...

David S. Chang
Thinking Smart // U.S. Retirement Crisis Part III
The last two weeks we covered the U.S. retirement crisis and how to deal with it. Here are some more strategies to help ensure that...

David S. Chang
Thinking Smart // America’s Retirement Crisis Part II
Last week we covered Part I of dealing with America’s Retirement Crisis. With the aftermath of The Great Recession, life expectancy increasing, costs rising and...

David S. Chang
Thinking Smart // America’s Retirement Crisis, Part I
America is facing a serious retirement crisis: Many Americans are not confident that they will be able to enjoy a comfortable retirement, and many retirees...

David S. Chang
Thinking Smart // Think And Grow Rich In Six Steps
“What the mind can conceive and believe, it can achieve.” – Napoleon Hill Napoleon Hill is considered one of the most successful writers on success...

David S. Chang
Thinking Smart // Principles of Long-Term Investing
This is part 3 in a series on the principles of long-term investing. 7) Learn from your mistakes! It is important to never stop learning....

David S. Chang
Thinking Smart // Principles of Long-Term Investing
This is Part 2 of the eight principles of long-term investing, as we continue to look at important principles that you may find useful in...

David S. Chang
Thinking Smart // Principles Of Long-term Investing
Increasing your wealth over time is more than picking the right stock or always buying low and selling high. Too often we see intelligent investors...

David S. Chang
Thinking Smart // What Is Your Personality Type?
In 1943, Katharine Cook Briggs and her daughter Isabel Briggs Myers created the famous Myers Briggs Type Indicator (MBTI) personality test. Inspired by renowned Swiss...

David S. Chang
Thinking Smart // Avoid These Investment Tips!
In the financial industry, my goal is to see people reach their financial goals. This involves the discipline to stick to a long-term financial plan,...

David S. Chang
Thinking Smart // More Tips On Managing Your Time
Last week we covered part one of learning to manage your time better. Visit artofthinkingsmart.com for the article. With more demands in our lives, managing...

David S. Chang
Thinking Smart // Best Tips On Managing Your Time
In today’s world, we are required to accomplish more with fewer resources and in less time. This is one of the top reasons stress has...

David S. Chang
Thinking Smart // Which Debt To Pay Down First
The average American household has $15,325 in credit card debt, $147,924 in mortgage debt and $32,041 in student loan debt. How to pay your debt...

David S. Chang
Thinking Smart // Money: Not The Best Investment
In a recent survey by Bankrate.com, more than a quarter of Americans stated that the best way to invest money they didn’t need for more...

David S. Chang
Thinking Smart // Dealing With Debt Collectors
The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the...

David S. Chang
Thinking Smart // New Credit Scoring Makes Sense
Your credit score is one of the most important numbers to manage since it determines your credit-worthiness and the likelihood you will pay back a...

David S. Chang
Thinking Smart // The Best-paying College Majors
According to Payscale, there are 130 majors that colleges offer. For those starting college or going back to school, choosing a major can be a...

David S. Chang
Thinking Smart // Creating A Solid Financial Plan
When people think of a financial plan, many assume it involves setting up a budget, saving for retirement and looking for good investment products. But...

David S. Chang
Thinking Smart // Saving Enough For Retirement
According to a recent report, the typical American family only has “a few thousand dollars” saved for retirement. The median savings for those 10 years...

David S. Chang
Thinking Smart // Lessons From Lottery Winners
Last week we covered money lessons from athletes (visit midweek.com for the article). Lottery winners, in many ways, also have lots to teach us. Although...

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