Law 2 – SMART Strategies

Renting or Buying: What’s the best?

  Hawaii is one of the most expensive places to rent or buy real estate. In fact the cost of living in Hawaii is 30% higher than the national average! According to the Honolulu Board of Realtors, the median price of a single family home on Oahu is $640,000 and a condo is $346,700. A […]
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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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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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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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Think And Grow Rich In Six Steps

Napoleon Hill is considered one of the most successful writers on success and wealth in history. As a journalist in 1908, Hill interviewed Andrew Carnegie, one of the most powerful men in the world at the time. Impressed with Hill, Carnegie gave him an assignment to interview 500 of the most successful people in America […]
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There’s No Reason To Pay For Your Credit Score Anymore

MANDI WOODRUFF Forget for a minute all the complicated math that goes into computing your credit scores. People are sometimes lucky if they even know where to find them. For some reason, the geniuses of credit reporting decided it’d be a good idea to offer the physical report for free once a year and dangle […]
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8 Principles Of Long-term Investing Part 1

Increasing your wealth over time is more than picking the right stock or always buying low and selling high.Too often we see intelligent investors shoot themselves in the foot by making basic errors in their investing strategy. Through years of experience, I have observed the effects of fear, greed, lack of discipline, groupthink, and many […]
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