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Thinking Smart
David S. Chang
Thinking Smart // Warren Buffett’s Investment Tips
Warren Buffett is considered to be the world’s greatest investor. He is currently the fourth wealthiest man in the world and the second in the...

David S. Chang
Thinking Smart // To Rent Or To Buy A Home?
Hawaii is one of the most expensive places to rent or buy real estate. In fact, the cost of living in Hawaii is 30 percent...

David S. Chang
Thinking Smart // Failure Can Be The Best Teacher
When I was in high school, I heard a speaker say that the secret to success was by failing. It turns out he was right....

David S. Chang
Thinking Smart // Unexpected Retirement Expenses
Many people look forward to retirement as the finish line in life. In reality, it is the start of a new journey, one with unexpected...

David S. Chang
Thinking Smart // Top Must-have Traits For Leaders
Great leaders are critical to any organization. In fact, it is impossible to have an elite and long-lasting organization without great leadership. There are plenty...

David S. Chang
Thinking Smart // An Adviser Can Improve Returns
When people find out I am a financial adviser, usually the first question I am asked is what I believe the next best investment is...

David S. Chang
Thinking Smart // Teaching Children About Money
A middle-income family will spend roughly $250,000 to raise a child. For higher earners, it shoots up to $500,000! This is a large investment for...

David S. Chang
Thinking Smart // Correcting Common Writing Errors
Part of thinking smart in life is learning to communicate and write properly. Applying for a job or school, pitching ideas, communicating to customers and...

David S. Chang
Thinking Smart // Tax Mistakes To Be Avoided
The average taxpayer spends 23 hours on their tax return, and 80 percent of them will hire a professional or use tax software – even...

David S. Chang
Thinking Smart // Tax Breaks For Homeowners
With taxes due April 15, it’s important to do tax returns properly, especially if you do it yourself. Tax planning is a very important part...

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