David S. Chang, Author at The Art of Thinking SMART

3D Furniture Rendering Services

May 4, 2016
David S. Chang

Dwell in Tranquility with Innovative Ideas and Stylish Designs Does it happen that your client has a vague idea of what they’re looking for in an interior design? Chances are great your clients are testing the waters when it comes to color schemes and aesthetics. But, how do you help meet their needs? A rendering […]

April 12, 2016
David S. Chang

As compressed air powers operations in industries such as manufacturing, refineries, chemical plants, and refrigeration, it becomes vital to understand how air compressors work. The reciprocating compressor is the most common type, so you must learn all about its working cycle. Typically, the machine runs on electricity, diesel, or gas engines, depending on the fuel […]

The True Cost of Investing

March 8, 2016
David S. Chang

There is over $16 trillion invested in mutual funds. Mutual funds are an excellent way to invest and grow your wealth, however there is a great disparity in their fees. Studies show these fees are the greatest indicator of mutual fund performance. You may be even more surprised to learn that most financial advisors, professionals, […]

March 1, 2016
David S. Chang

The number one financial goal most people have is to build (and spend!) their retirement account. If you wanted to retire with $1 million in the bank by age 65, do you know how much you need to have saved? This chart below shows how much you need to have already saved by a certain age, assuming a […]

SMART Insurance Basics – Why You Need Insurance and What Types to Get

February 15, 2016
David S. Chang

Benjamin Franklin once said “Certainty? In this world nothing is certain but death and taxes.” Life is full of risks. It is one thing that is certain in life. Although one cannot control death, one can control how to protect loved ones through life insurance. Here are some insurance basics to help you navigate through the maze! […]

February 12, 2016
David S. Chang

For those looking to move into the field of paraplanning or to start off their career in financial services, then we have some great tips for you in our article below. When it comes to getting your foot in the door of financial services, one of the smartest things you can do is start off […]

February 12, 2016
David S. Chang

When it comes to your investments in commercial property, you should always be as calculated and profit/return-focused as possible. You didn’t invest or haven’t planned on investing in a commercial property to make losses after all, and so being smart about your contracts and movements in commercial property is essential. We know that the world […]

Three Ways to Lose Your Money in the Stock Market

February 11, 2016
David S. Chang

There is no doubt that despite the ups and downs of the stock market, it is one of the best way to build wealth over the long-term. Fidelity recently conducted a study as to which accounts had performed the best. What they found interestingly, was that they were dead or had forgotten they had an […]

February 3, 2016
David S. Chang

During extreme periods for the market, investors often make decisions that undermine their ability to build long-term wealth. Especially in light of the recent market ups and downs, it can be very valuable to look back in history and study the timeless principles that have guided some of the greatest investors through both good and […]

Should You Pay Your Mortgage Down? 5 Reasons Why You May Not Want To

January 19, 2016
David S. Chang

Not many enjoy having a large mortgage looming over their heads and racking up interest for up to 30 years. As a result many with extra cash look to pay off their mortgage as soon as possible. However paying your mortgage off early may not always be the best decision. There are two types of debt, […]