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Thinking Smart
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,...

David S. Chang
Thinking Smart // Are You Living Beyond Your Means?
Many financially savvy people understand that how you spend money is more important than how much money you make. Here are some signs that you...

David S. Chang
Thinking Smart // Top Retirement Account Errors
Last week I covered top mistakes investors make (artofthinkingsmart.com). In addition, there are common mistakes people make with their retirement accounts. In order to make...

David S. Chang
Thinking Smart // Top Mistakes For Investors To Avoid
Investing is an important part of your personal finances, and it seems simple: Buy low, sell high and keep the profits! Studies have shown, however,...

David S. Chang
Thinking Smart // Ol’ Dale Carnegie Is Still Right
In 1936, Dale Carnegie wrote one of the most popular self-help books of all time: How to Win Friends and Influence People. Despite the fact...

David S. Chang
Thinking Smart // Making Your Goals Even SMARTER
About a year ago I wrote an article about the importance of setting goals, using the term S.M.A.R.T. as a handy acronym for five important...

David S. Chang
Thinking Smart // A New Year’s Resolution To Save
Saving more money is always one of the top New Year’s resolutions. This also is one of the top broken resolutions! Managing your finances better,...

David S. Chang
Thinking Smart // Year-end Tax Benefit Strategies
With just a few days left in the year, it is not too late to max out a retirement, college and/or other tax savings account....

David S. Chang
Thinking Smart // Tips For Charitable Holiday Giving
In 2011, two-thirds of Americans gave close to $350 billion to charity. About 80 percent of the charitable donations come from individuals. The largest recipients...

David S. Chang
Thinking Smart // Spend Wisely This Holiday Season
Black Friday is the biggest shopping day of the year and unofficially kicks off the start of the Christmas shopping season. The name has several...

David S. Chang
Thinking Smart // Navigating Real Estate Trusts
A real estate investment trust (REIT) is a popular investment vehicle founded in 1960 to give smaller investors access to large real estate deals. A...

David S. Chang
Thinking Smart // Real Estate Part 3: Selling A Home
A good real estate agent can help you sell your home, but it is good to understand how you can maximize the sales price. Here...

David S. Chang
Thinking Smart // Real Estate Part 2: Buying A Home
Buying a house can be extremely exciting yet stressful at the same time. Here are some tips you need to know when buying a home....

David S. Chang
Thinking Smart // Choosing A Real Estate Agent
One of the top financial goals people have is purchasing a home. Many people buy a house only once in their lifetime, which is why...

David S. Chang
Thinking Smart // A Good Time For Tax Planning
As the end of 2012 approaches, we know you are busy with holidays, family, and travel, but it is also a good time to do...

David S. Chang
Thinking Smart // IRAs For Retirement, Inheritance
An Individual Retirement Account (IRA) is a great way to save for retirement. An IRA also can be a great inheritance for your heirs –...

David S. Chang
Thinking Smart // The Best Investment You Can Make
Many people are always on the lookout for the best investment to make money. It may be a company stock, a mutual fund, a piece...

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