Year: 2013

America’s Retirement Crisis Part II

Click here for Part I of dealing with America’s Retirement Crisis. With the aftermath of The Great Recession, life expectancy increasing, costs rising and underestimating post-retirement living expenses, there is no doubt that we have a retirement crisis at hand. The next two weeks we will cover strategies to help ensure that your assets last […]
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Why We Make Bad Investment Decisions

By David S. Chang and infograph from Value Stock Guide Studies show that the average investor the past 20 years got a 2.4% return whereas the S&P 500 returned 7.7%, bonds averaged 6.1%, and inflation was at 2.6%. In other words, the average investor got a negative return if you account for inflation, and if […]
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3 Important Investment Mistakes To Avoid

By David S. Chang Investing the past decade has been a roller-coaster with its highs and lows. Interestingly, the volatile market changes aren’t the biggest reasons for a shrinking investment portfolio, our individual actions are. Warren Buffett, the Oracle of Omaha and perhaps the greatest investor to ever live, states that investors should not beat […]
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Getting Things Done, Efficiently and Effectively

Compiled By David S. Chang Getting stuff done is more than just managing time, it is managing your energy, when you are at your best, and making sure you take advantage of that. The charts below are some great tools to help you manage your time, when you energy is at its maximum. It is better […]
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When To Start Receiving Retirement Benefits

Compiled and Edited By David S. Chang Many people nearing retirement commonly ask “What is the best age to start receiving retirement benefits?” The answer is that there is no one “best age” for everyone and, ultimately, it is your choice. You should make an informed decision about when to apply for benefits based on […]
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Watch Out for “Free Money” Tax Scams

The IRS has released an alert stating that flyers and advertisements for “free money from the IRS” have been seen in communities around the country. These scams lure unsuspecting taxpayers into filing incomplete or false returns to access tax refunds or nonexistent Social Security funds. Not only do scammers demand a fee from their victims […]
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SMART Time Management Resources

Compiled and Edited By David S. Chang SMART Time Management Resources from The Four Hour Work-Week written by Timothy Ferriss RescueTime – A free software productivity tracking tool. Just install it once, and it sits in the background measuring your productivity. Then, you can see exactly how many minutes you’ve spent on productive and unproductive apps at the RescueTime website. […]
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Bottled or Tap Water?

Water is essential to good health and doctors say that it’s important that you take in at least eight 8oz glasses per day. The good news is that most communities have great tasting water right out of the tap. If you live in an area with odd-tasting water, you can improve it with a home […]
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5 Ways To Incorporate Exercise In Your Busy Day

These days, it always feels like there is never enough time in the day.  With the sun setting earlier and earlier, and day light savings approaching…it’s hard to work out before or after work.  Here are five great tips for fitting exercise in during your day! 1. When you Wake Up, stretch for 2 minutes […]
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