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Thinking Smart
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,...

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....

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