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

Start Your Day Strong: Establish a morning routine for more productive and less stressful days

August 7, 2013
David S. Chang

From Men’s Health If you tend to rush around in the morning—attempting to pick out your power outfit, eat breakfast, make lunch, pack your gym bag, and answer e-mails sent while you were sleeping, all before you step out the door—it’s no wonder you’re frustrated by the time you reach the office. If you want […]

August 7, 2013
David S. Chang

The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the Fair Debt Collection Practices Act (FDCPA). If you have been behind on paying bills or, in some cases, records mistakenly show you are, you may have had to deal with […]

August 6, 2013
David S. Chang

From HarvardBusinessReview Is it better to be loved or feared? Niccolò Machiavelli pondered that timeless conundrum 500 years ago and hedged his bets. “It may be answered that one should wish to be both,” he acknowledged, “but because it is difficult to unite them in one person, it is much safer to be feared than […]

August 5, 2013
David S. Chang

JAMES CLEAR, JAMESCLEAR.COM Jerry Seinfeld is one of the most successful comedians of all‐time. He is regarded as one of the “Top 100 Comedians of All-Time” by Comedy Central. He was also the co-creator and co-writer of “Seinfeld,” the long-running sitcom which has received numerous awards and was claimed to have the “Top TV Episode of […]

July 31, 2013
David S. Chang

Your credit score is one of the most important numbers to manage since it determines your credit-worthiness and the likelihood you will pay back a loan. The Fair Isaac Corporation Score (FICO) is the best and most widely used credit score in the U.S. The FICO Score is based on: * 35 percent – Record […]

July 30, 2013
David S. Chang

Bernard Marr Well, we all want to be successful, right? Success is most commonly understood as making a lot of money or having a stellar career in business, sports or entertainment. However, success can equally mean being successful at a hobby or learning a new skill, successfully raising great children, being a wonderful spouse, successfully […]

July 30, 2013
David S. Chang

Bernard Marr Success comes in all shapes and colours. You can be successful in your job and career but you can equally be successful in your marriage, at sports or a hobby. Whatever success you are after there is one thing all radically successful people have in common: Their ferocious drive and hunger for success […]

July 25, 2013
David S. Chang

By Rob Stott A new study found that psychological and neurological complexities of the brain can contribute to a leader’s ability to adapt to changing environments and demands. That conclusion may reshape the future of leadership training. What separates the Margaret Thatchers, Ronald Reagans, and other great leaders of the world from others? According to a new […]

July 24, 2013
David S. Chang

Are all millionaires wealthy? Not if you ask them. A whopping 70% of those with at least $1 million in investable assets don’t consider themselves to be wealthy, according to a survey of 4,500 affluent investors by UBS. Rather, it’s only when they hit the $5 million mark that millionaires begin to feel “wealthy.” Why […]

July 24, 2013
David S. Chang

According to Payscale, there are 130 majors that colleges offer. For those starting college or going back to school, choosing a major can be a daunting task. Based on data from 1,000 universities and graduates with bachelor’s degrees only, listed here are the top-paying 24 college majors for 2013. The mid-career salary reflects pay 15 […]