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Thinking Smart
David S. Chang
Thinking Smart // Fiscal Lessons From Broke Athletes
Professional athletes make millions of dollars a year, but every year many of them unfortunately run into major financial problems. In the NFL, the average...

David S. Chang
Thinking Smart // A Test Of Your Financial Smarts
To make good financial decisions, people need to not only have a basic knowledge of finances, but also be equipped with the skills to apply...

David S. Chang
Thinking Smart // Going Solar? Read This – Part 2
Last week we covered the reasons for Hawaii’s high energy prices and the common methods for going solar. Please visit artof-thinkingsmart.com for more information. With...

David S. Chang
Thinking Smart // Thinking Of Going Solar? Read This
Everywhere you go these days, you hear an advertisement about solar. By some estimates, there are more than 250 solar companies in Hawaii, with dozens...

David S. Chang
Thinking Smart // More Wisdom From Warren Buffett
Warren Buffett is considered to be the world’s greatest investor. The past two articles discussed his incredible success at Berkshire Hathaway and his best investment...

David S. Chang
Thinking Smart // More Tips From Warren Buffett
Warren Buffett is considered to be the world’s greatest investor. The annual meeting for his fund, Berkshire Hathaway, is dubbed the “Woodstock for Capitalists,” where...

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...

David S. Chang
Thinking Smart // Tips For Being More Productive
Recent studies show that Americans are busier today than they have ever been, working longer than anyone else in the industrialized world. With so much...

David S. Chang
Thinking Smart // The Right Rate For Retirement
For years, people planning for retirement have used the 4 percent rule of thumb to determine if there is enough money saved to retire. To...

David S. Chang
Thinking Smart // Tips For Refinancing Your Home
Mortgage rates today are at a 60-year low, giving many Americans the ability to refinance their mortgage. Home mortgage or home loan refinancing is basically...

David S. Chang
Thinking Smart // The Other Ways Lenders Judge You
Your credit score is one of the most important numbers in your financial life. It plays a huge role in buying a house, a car,...

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