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Thinking Smart
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...

David S. Chang
Thinking Smart // Lending Money To Family, Friends
Many of us may have been in a situation where a family member or friend has asked to borrow money. In 2011, 7 percent of...

David S. Chang
Thinking Smart // Tips For Dealing With Stress
According to a new survey, stress in America has increased 30 percent over the past 30 years, and almost three out of four Americans are...

David S. Chang
Thinking Smart // Things To Plan For In Retirement
Being financially independent for retirement is one of the top goals for Americans. However, a recent study shows that half of Americans will die with...

David S. Chang
Thinking Smart // The Benefits Of A Financial Adviser
Everyone should have a financial plan, regardless of age, income or net worth. It will help plan for the future and meet goals. Having a...

David S. Chang
Thinking Smart // Taking Full Advantage Of A 401(k)
401(k) retirement plans were first introduced by Congress in 1978. The name comes from the section (401) and paragraph(k) of the Internal Revenue Code. The...

David S. Chang
Thinking Smart // Reasons To Get Renter’s Insurance
One of the most overlooked types of insurance is renter’s insurance. If you are currently renting the place you live in, losing everything to fire,...

David S. Chang
Thinking Smart // Advice Worth $20,000 A Minute
In the early 1900s, Charles M. Schwab (not the financial guru Charles Schwab), Andrew Carnegie’s right-hand man and president of Bethlehem Steel, wanted to increase...

David S. Chang
Thinking Smart // A Look At Alternative Investments
The three main traditional asset classes to invest in have been stocks, bonds and cash. Recently, another asset class known as “alternative investments” has become...

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