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Thinking Smart
David S. Chang
Thinking Smart // Signs Your Finances Are In Good Shape
Tracking our health is much easier with today’s technology. There are apps and devices that can measure your fitness level and track how many calories...

David S. Chang
Thinking Smart // Regrets Of Highly Successful People
Life is full of regrets. One of the most common phrases I hear is “if only,” followed by what they wish they did or didn’t...

David S. Chang
Thinking Smart // A Money-saving Mental Trick
Americans like to spend. Nearly half of us are saving no more than 5 percent of our incomes, while 18 percent are saving nothing at...

David S. Chang
Thinking Smart // Tips For Those Who Dislike Budgeting
I have a confession to make. I dislike budgeting. I have been in the finance industry for more than 20 years now, and have taught...

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 // Creating A Long-term Care Plan, Part 4
In this series, I am addressing the importance of creating a long-term care plan. For more information, please visit artofthinkingsmart.com/ care or call 524-2273 to...

David S. Chang
Thinking Smart // Creating A Long-term Care Plan, Part 3
In this series, I address the importance of creating a long-term care plan. For more information, please visit artofthinkingsmart.com/care and claim your free spot for...

David S. Chang
Thinking Smart // Creating A Long-term Care Plan, Part 2
In this series, I address how you can create a long-term care plan that will help meet your future financial and care needs. With 70...

David S. Chang
Thinking Smart // Long-term Care Plans, Part 1
Life expectancy is increasing, but as a result, many people are living longer in poor health. Coupled with rising medical costs and the potential cutbacks...

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...

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