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Thinking Smart
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...

David S. Chang
Thinking Smart // Should You Invest Or Pay Off Debt?
If you have some extra cash available, should you try to pay down some debt like a mortgage or should you invest it? There are...

David S. Chang
Thinking Smart // Market Investment Wisdom, Part 2
Last week we covered some of the essential investment wisdom of the world’s greatest investors. The greatest investors understand that we shouldn’t overreact to short-term...

David S. Chang
Thinking Smart // Wise Words On Investing
With people living longer, the greatest risk they face today is longevity risk, or the risk of outliving their money. In fact, I have some...

David S. Chang
Thinking Smart // Investing Social Security Benefits
Should you take Social Security earlier, instead of later, and invest it in hope that you will have more in retirement? I am asked this...

David S. Chang
Thinking Smart // Benefits Of A 529 College Savings Plan
The average cost of a private college is $40,000 per year, and for a public college it is $18,000. The cost of college has increased...

David S. Chang
Thinking Smart // How To Avoid Unproductive Meetings
Do you hate unproductive meetings? The purpose of a meet ing is to discuss something face to face to get things done. Unfortunately, a third...

David S. Chang
Thinking Smart // How To Create Good Habits
Have you ever wondered why you do what you do? Some decisions are conscious choices, but more than 40 percent of the things we do...

David S. Chang
Thinking Smart // Target-Date Investment Funds
During the past 20 years, target-date funds have become more popular with investors. Also known as life-cycle, retirement, or age-based funds, target-date funds were first...

David S. Chang
Thinking Smart // Top Tips To Simplify Air Travel
I travel plenty and average about a week a month on the Mainland and internationally. Living in an isolated chain of islands in the Pacific...

David S. Chang
Thinking Smart // The Biggest Obstacle To Productivity
One of my first dates in high school was to see the romantic comedy You’ve Got Mail, where Tom Hanks and Meg Ryan use email...

David S. Chang
Thinking Smart // Top Regrets Expressed By Retirees
Retirement is always one of the top concerns for Americans. This is no surprise, given that preparing for retirement is not something you can do...

David S. Chang
Thinking Smart // Inspirational Words To Live By
Prior to my deployment to Iraq with the 25th Infantry Division at Schofield Barracks in 2006, our commander had Kent Keith, author of The Paradoxical...

David S. Chang
Thinking Smart // How Much Do You Need To Retire?
According to a recent study, retirement is proving more difficult than expected for many Americans, in large part because they haven’t saved enough and don’t...

David S. Chang
Thinking Smart // Top Investment Rules For Retirement
With people living longer and the future of Social Security uncertain, setting up a financial plan and investing in a retirement account is crucial for...

David S. Chang
Thinking Smart // Secrets Of The Wealthy, Part 3
Last week we covered part two of secrets the wealthy use to become financially independent. This week we cover secret investment products and strategies. *...

David S. Chang
Thinking Smart // Secrets Of The Wealthy, Part 2
Last week we covered Part 1 of the secrets to becoming financially independent and wealthy. This week we will cover the secret strategies the wealthy...

David S. Chang
Thinking Smart // Secrets Of The Wealthy, Part 1
The No. 1 financial goal that I hear from people is that they want to be financially independent. They don’t want to worry about money...

David S. Chang
Thinking Smart // Is The Roth IRA Right For You?
One of the best ways to save for retirement is through individual retirement accounts (IRA). There are two different types of IRAs, traditional and Roth....

David S. Chang
Thinking Smart // Credit And Tax-Return Breaches
Credit card breaches and identity theft unfortunately are becoming more common: 40 million customer names, card numbers, the security codes and expiration dates were stolen...

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