David S. Chang

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Green Living Tip Of The Week

Get Your Hot Water Faster Most people run their showers for a few minutes to let the water warm up. This accounts for hundreds of gallons of wasted water (and wasted energy) each year. By situating your hot water heater closer to your bathroom or other points of use, you can save energy and get […]
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Tips For Refinancing Your Home

Mortgage rates today are at a 60-year low, giving many Americans the ability to refinance their mortgage. Home mortgage or home loan refinancing is basically taking out a new mortgage to pay off the existing one. Refinancing can be a good idea if you can get a lower mortgage rate to save on costs, lower […]
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The Other Ways Lenders Judge You

Your credit score is one of the most important numbers in your financial life. It plays a huge role in buying a house, a car, getting loans, credit cards and even, in some cases, a job! Your credit score is primarily made up of paying bills on time, credit history, credit mix, recent inquiries and […]
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Turn Off Your Car When Idling

If you see that a train, long stoplight, or traffic jam will block your vehicle for more than 30 seconds, turn off your engine to save gas and reduce carbon output. An idling vehicle burns more fuel than restarting your engine.
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Are You Living Beyond Your Means?

Many financially savvy people understand that how you spend money is more important than how much money you make. Here are some signs that you may be living beyond your means. Being aware of these signs can help you keep your financial goals and protect you in case of emergencies. You don’t have an emergency savings […]
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Sleep to Lose Weight

A good night’s sleep is one of the best things you can do to lose weight since it gives you more energy to burn calories during the day. According to an AARP report, people who get fewer than six hours of sleep are 27% more likely to become obese. Those who sleep only four hours […]
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Green Living Tip of the Week

Protect Your Air Quality Many old vacuum cleaners disperse small particles of dust into your air, lowering your indoor air quality. Look for vacuum cleaners with HEPA filters (high-efficiency filters that catch dust particle) and sensors that alert you when the filter needs to be cleaned.
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Maintain, Don’t Regain

Rapidly losing weight, and then regaining it (yo-yo dieting), can be hazardous to your health. Research shows that weight rebounds can increase your risk of cardiovascular problems and diabetes. Instead of focusing on rapid weight loss, work on gradually increasing activity levels and changing your overall eating habits.
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Don’t Overindulge

Did you know that people eat their way through about 6,000 calories on Christmas day? That’s about three times as much as we need. With all the tasty drinks and snacks around at Christmas, it’s easy to over-indulge. Just a single piece of mince pie contains about 250 calories! So, if you can, keep tempting […]
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