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Thinking Smart
David S. Chang
Thinking Smart // Why You Need A Financial Plan, Part 1
Many people think that a financial plan is only for people with money. Studies show, however, that a comprehensive financial plan benefits everyone, regardless of...

David S. Chang
Thinking Smart // How To Pick SMART Stocks, Part 4
In this series, we have covered how to pick SMART stocks using different types of screening criteria. You can go to artofsmart-stocks.com for an overview...

David S. Chang
Thinking Smart // How To Pick SMART Stocks, Part 3
In this series, we have covered how to invest in SMART stocks. There are two main ways to analyze a stock: fundamental analysis and technical...

David S. Chang
Thinking Smart // How to Pick SMART Stocks, Part 2
Last week we covered the first part on how to select stocks to invest in if it is right for you. You can go to...

David S. Chang
Thinking Smart // How To Pick SMART Stocks, Part 1
Long-term investing offers some of the best opportunities to grow wealth, fight inflation, increase personal freedom and help ensure a comfortable future for ourselves and...

David S. Chang
Thinking Smart // Money from Social Security, Part 4
The past several weeks I have covered some Social Security claiming strategies. I have received quite a few questions and have posted the answers online....

David S. Chang
Thinking Smart // Get More Money From Social Security
Last week, I covered information on survivor Social Security benefits and using a strategy called “file and suspend plus” to maximize your lifetime joint benefits...

David S. Chang
Thinking Smart // Get More From Social Security, Part 2
Last week, I covered information on spousal benefits and using a strategy called “file and suspend” to maximize your lifetime joint benefits by timing when...

David S. Chang
Thinking Smart // How To Get More From Social Security
Social Security is a major source of income for most retirees and, on average, they depend on their benefit for about 36 percent of their...

David S. Chang
Thinking Smart // Making Better Decisions In Life
We are faced with dozens of decisions a day. Some are small: What do I eat for breakfast? Others can be life-changing: Should I take...

David S. Chang
Thinking Smart // How To Build Wealth The Right Way
When I invested in my first stock at 14, wealth to me was making as much money as I possibly could. Since then, and being...

David S. Chang
Thinking Smart // Second Marriage A Financial Challenge
According to a recent study, nearly 40 percent of new marriages include at least one previously married spouse. There are many complex financial, legal and...

David S. Chang
Thinking Smart // When Should You Take Social Security?
This past month I covered the important details of Social Security. You also can join our free webinar today (July 30) on maximizing Social Security...

David S. Chang
Thinking Smart // 5 Essential Facts On S.S. Statements
The Social Security Administration back in April 2011 suspended mailing Social Security statements to save money. Luckily, they added the ability to view your statements...

David S. Chang
Thinking Smart // Offering A Gift For MW Readers
Congrats to MidWeek! You can tell the quality of a newspaper not only through the writers, editors or the stories written, but through the quality...

David S. Chang
Thinking Smart // Important Retirement Ages To Know
In order to maximize your retirement benefits, it is important to meet certain deadlines. If you don’t take action on these age-based cut-off dates, you...

David S. Chang
Thinking Smart // Social Security Numbers To Know
Maximizing your Social Security payments depends on the taxes you pay, your earnings history, the age you decide to take the benefits and the dependents...

David S. Chang
Thinking Smart // How To Calculate Your Net Worth
Each year, Forbes magazine lists the 400 richest people in the world. Bill Gates is the richest American 20 years running, and has reclaimed the...

David S. Chang
Thinking Smart // Top Five Mistakes Millionaires Make
In a recent survey, high net-worth clients (those with more than $1 million in assets) were asked about their top five investing mistakes. Not surprisingly,...

David S. Chang
Thinking Smart // The Retirement Talk For Couples
According to a recent survey, couples said they discussed retirement planning an average of 14 times a year. The same survey showed 72 percent of...

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