David S. Chang

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America’s Retirement Crisis Part III

This article series covered America’s Retirement Crisis and how to deal with it. Please click for Part I and Part 2 of this article series! Here are some more strategies to help ensure that your assets last as long as you need them to. FIGHTING THE EFFECTS OF INFLATION Inflation is known as the silent thief since it […]
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Are You Saving Enough For Retirement?

According to a recent report, the typical American family only has “a few thousand dollars” saved for retirement. The median savings for those 10 years away from retirement is $12,000, with one-third of them having no savings at all. Currently, there are 38 million working-age households that do not have any retirement assets. Given that […]
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Healthy Food Alternatives for Kids

Are your kids picky eaters?  Do you not have enough time or money to come up with fancy healthy meals for your kids?  Well here are a few great options to mix in with your normal dinners to give your kids a few more servings from the daily nutrition pyramid! 1. Spaghetti Squash Spaghetti Squash […]
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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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