Auto Insurance Archives

Debt Collection Help

September 5, 2014
David S. Chang

New ways to combat harmful debt collection practices (Get Debt Collection Help!) BY CFPB WEB TEAM Today, in addition to two bulletins putting companies on notice about harmful debt collection practices, we’re also releasing new tools for consumers: Action letters for consumers to consider using in corresponding with debt collectors and debt collection complaints. Click here for tips on […]

July 25, 2014
David S. Chang

If you haven’t done so already, download your free ebook on Secrets of the Wealthy. They strategies, investments, and principles they use to build wealth and achieve financial freedom! Check back as we frequently add more ways to Build Wealth and SMART Secrets of the Wealthy!

July 24, 2014
David S. Chang

Your vision in life answers the question “WHERE do you see yourself?” and “WHERE do you want to go?” Like a Mission Statement, your Vision defines your purpose, but it also focuses on your goals, aspirations, and where you want to go. Your mission is “WHY” you do things and is present-based. Your vision gives […]

SMART Mission and Purpose

July 24, 2014
David S. Chang

What is your purpose in life? Why do you exist? Why do you do what you do? From personal experience, people who understand their “WHY” can withstand any “HOW” and “WHAT.” Your Mission Statement is your purpose and direction in life. If done properly, it can motivate you, your organization, or your team, to passionately […]

What Is Your View Risk, Savings, Investment, and Overcoming Crisis

July 24, 2014
David S. Chang

Over the years I have found that many people have an improper view of risk, what it is, and how to minimize and handle it. They also don’t have the right view on savings, investing, income, and how to overcome challenges and crisis. Many investors believe in commonly held myths and as a result don’t make the […]

What is Financial Independence?

July 24, 2014
David S. Chang

We mentioned here what the meaning of wealth is. There is a big difference between being wealthy and being financially independent. While financial independence is based on a number, wealth is a mindset and no amount of money will ever make you wealthy! Once you have the SMART Mindset and Psychology of Wealth, it is […]

The Art of SMART Money Checklist

July 24, 2014
David S. Chang

Click here to download The Art of SMART Money Checklist! Use this checklist and workbook to help you get started on your journey to Wealth and Financial Independence! If you are not a member yet, or need to upgrade, click below!

July 22, 2014
David S. Chang

Your values are what is most important to you in life – personally and professionally. Values are what you calibrate towards and are the focal point in determining your priorities, goals, attitudes, and behavior. In other words, your values are a compass for your actions in life. It is important that what you do, matches […]

July 21, 2014
David S. Chang

When I invested in my first stock at 14, wealth to me was making as much money as I possibly could. Since then, and being in the finance industry for two decades, the most important thing I have learned about wealth is that no amount of money will ever make you feel wealthy. While many […]

July 5, 2014
David S. Chang

This rendition of the Star-Spangled Banner is one of my favorite. Proud to be an American and thankful for my fellow West Pointers and military servicemen and women, first responders, and those that have served our country. May we continue to be the shining light on the hill for freedom and democracy!