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Thinking Smart
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...

David S. Chang
Thinking Smart // Making Sense Of The New Federal Health Care Law
Starting this year, the Affordable Care Act (ACA), aka Obamacare, took effect. It was passed in 2010, and it will take at least five years...

David S. Chang
Thinking Smart // How To Profit In The Stock Market
If we look over the past 15 years or so, it’s easy to understand why investors have been nervous. When the tech bubble burst in...

David S. Chang
Thinking Smart // Top 10 Financial Resolutions For 2014
Last week we talked about the proper way to set New Year’s resolutions and reach your goals. Using those tips, here are the top 10...

David S. Chang
Thinking Smart // Best Way To Set New Year’s Resolutions
As 2013 comes to a close, many of us look toward starting off on the right foot in 2014. About 40 percent of Americans make...

David S. Chang
Thinking Smart // End-Of-Year Tax Planning, Part 3
The past two weeks we covered some last-minute tax-planning tips on what to do before the end of the year. Here is the final article...

David S. Chang
Thinking Smart // End-Of-Year Tax Planning, Part 2
Last week we covered some last-minute tax planning tips to do before the end of the year. Here are some more. * Accelerate Your Mortgage...

David S. Chang
Thinking Smart // End-Of-Year Tax Planning, Part 1
As the end of the year approaches, we are busy with holidays, family and travel, but this also is a good time to do some...

David S. Chang
Thinking Smart // How To Give A Great Speech
The past two weeks we covered steps on how to be a better public speaker through preparation and structure of your speech. This week we...

David S. Chang
Thinking Smart // How To Give A Great Speech, Part 2
Last week we covered steps to help prepare you to be a better public speaker. This week we cover the structure of a great speech...

David S. Chang
Thinking Smart // How To Be A Better Public Speaker
According to surveys, the greatest fear in the world for most people is speaking in public. The second greatest fear is death. In other words,...

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...

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