David S. Chang

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A Quick Guide To Mutual Funds

This is a two part series. Please click here for part 2! Investors enjoy selecting individual investments and monitoring their progress on a regular basis. This can be rewarding and fun if you have the time, experience and patience to research your investments and monitor their progress. Like many people, you may already have a […]
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Tips To Save Money At The Pump

Hawaii consistently has the highest gas prices in the country, with a current average cost at $4.57 per gallon. Although we directly can’t control the price of gasoline at the pump, we can take steps to lower our usage. Here are some steps to take to save money on gas by driving more efficiently and […]
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Tips For Couples Talking Finances

 Finances are an important but often neglected topic in relationships. Studies have shown that money is the No. 1 reason why couples argue, yet talking about it is surprisingly a low priority. According to Fidelity Investments, less than half of couples manage household finances together and only 38 percent talk openly about retirement planning. It […]
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Putting The 80/20 Rule To Work For You

In 1909, an Italian economist named Vilfredo Pareto observed in his garden that 20 percent of his pea pods contained 80 percent of the peas. As an economist, he also noticed that 80 percent of the land in Italy was owned by 20 percent of the population. “Today, the 80/20 rule is a common rule […]
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Red Flags Could Get You Audited

This year taxpayers have until April 17 to file their 2011 tax returns because of Emancipation Day, a holiday observed in the District of Columbia that falls on April 16. The extra two days may help if you haven’t filed your taxes. Even if you have, it is important to take extra care in completing […]
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Setting An Investment Strategy

 Setting up an investment strategy can seem incredibly complex. You can find plenty of information on investing from the web, magazines, news sources, books, seminars, and even tips from friends. Unfortunately some people spend a great deal of time on investment strategies that are more likely to reduce rather than increase their investment portfolios. A […]
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The Importance Of Investing

The S&P500 is up more than 11 percent this year and above 1,400 for the first time since mid-2008. This is good news, but many people are still on the sidelines worried about the global economy and the precarious conditions in Europe. The knee-jerk reaction may be to move all assets into a bank account […]
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Buying A Car With Confidence

Each year, approximately 7.5 million vehicles are sold in the United States with an average price of about $30,000. Driving off the lot with a new car may be a great experience, but it also can be a daunting task. Nobody wants to pay more than they should. Here are some tips to help you […]
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Which Life Insurance Is For You?

Benjamin Franklin once said “Certainty? In this world nothing is certain but death and taxes.” Although one cannot control death, one can control how to protect loved ones through life insurance. The proper amount of life insurance will ensure that they will have enough money to pay down debts, replace the loss of income and […]
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