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Thinking Smart
David S. Chang
Thinking Smart // Simple Steps For Preparing A Will
Benjamin Franklin once said, “Certainty? In this world nothing is certain but death and taxes.” No one wants to think about death, but a little...

David S. Chang
Thinking Smart // Good, Bad And Ugly Types Of Debt
Over the past few decades the debt of U.S. consumers has increased to more than $2.5 trillion, according to the March 2012 Federal Reserve Statistical...

David S. Chang
Thinking Smart // Seven Habits Of Successful People
Last week, esteemed author Dr. Stephen R. Covey died. He was the author of the The Seven Habits of Highly Effective People, an extremely popular...

David S. Chang
Thinking Smart // Your Guide To Mutual Funds, Part 2
There are many types of mutual funds with a wide variety of investment objectives and risk and return characteristics. Below is an overview of fund...

David S. Chang
Thinking Smart // How To Foil Online Scammers
I’ve been getting emails from friends and family about random websites to visit, or even worse, I received an email from a close friend saying...

David S. Chang
Thinking Smart // Get Started On Saving For College
The cost of college has soared in recent years. With more than $1 trillion in outstanding student loans, it even has caught the attention of...

David S. Chang
Thinking Smart // Six Ways To Pursue Financial Goals
The best financial plans can be easily derailed by common mistakes that can act as roadblocks. Here are six ways to help you meet your...

David S. Chang
Thinking Smart // An Investor’s Guide To Annuities
Chances are if you are looking at planning for retirement, you have come across annuities as a potential investment product for retirement income. The proper...

David S. Chang
Thinking Smart // Important Estate-planning Tools
No matter how much you are worth, it is important to have an estate plan in place to protect yourself, your loved ones and your...

David S. Chang
Thinking Smart // Tips To Stop Impulse Spending
Impulse spending is often considered to be the gateway to mounting credit card debt. An impulse buy may seem innocent enough at first, but they...

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