Law 4 – SMART Implementation

9 SMART Ways to Become Financially Independent

Some folks are in a fortunate financial situation where they don’t need to work. The vast majority of us, however, need to work in order to live. If you are in this group, you probably dream of becoming financially independent and only work because you want to, not have to. Here are 11 SMART steps […]
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SMART Risk Management Methods For Active Traders

There are many ways to achieve financial independence without necessarily increasing our workloads. In this age of the side hustle, we can earn from social media accounts, general web browsing, and, of course, good old stock trading.  While you may assume that only high-flying wall street brokers stand any chance at finding success with that […]
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What Does it Take to Create a Dynamic and Successful SMART Business?

Creating a SMART and successful business requires learning different skillsets. It requires both technical skills such as learning how to manage money and people skills to lead and work with others. Starting a business can be easy, however, managing and making your business successful is a different story. Each component requires different things you need to […]
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David S. Chang Officer Senior Rater Philosophy

MEMORANDUM FOR All 250th Expeditionary Military Intelligence Battalion SUBJECT: David S. Chang Officer Senior Rater Philosophy 1. References. David S. Chang Lightning Battalion Expectations 06-2019 David S. Chang Lightning Battalion Command Philosophy 06-2019 David S. Chang Lightning Battalion Leadership Manual – About Me David S. Chang Lightning Battalion Policy Letters 2. Purpose. The purpose of this […]
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Pay down your debt: Snowball Method or Avalanche Method

In Debt? Two Ways To Pay Down Your Debt

Financial problems are all around us. Many Americans today are in debt and are having difficulty paying it down. According to the latest statistics: U.S. households have more than $15,000 in credit card debt. 43 percent of Americans spend more than they earn. 14 percent of income is used to just pay interest on credit […]
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Understanding a SIMPLE IRA Plan for Employees and Employers

What is a SIMPLE IRA? A SIMPLE IRA plan (Savings Incentive Match PLan for Employees) allows employees and employers to contribute to traditional IRAs set up for employees. It is ideally suited for small companies with 100 or fewer eligible employees. SIMPLE IRA plans can provide a significant source of income at retirement by allowing employers and employees to […]
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Small Business Cybersecurity Protection

The SMART Way To Protect Your Business From Cybercrime

You have invested your time, resources, and energy into growing your business. Data protection should be a major concern for every smart business. Nobody is guaranteed to be safe from cybercriminals. With the likes of well-known companies such as Uber and Equifax falling foul of major data breaches, it is clear that even the major […]
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Here’s How to Become a 401(k) Millionaire

Part Six of a Six-Part Series Courtesy of: Visual Capitalist Here’s How to Become a 401(k) Millionaire There’s nothing more definitive in the journey to financial freedom than hitting the $1 million mark in retirement savings. A nest egg like that is a near-guarantee that you could surmount any curveball the world throws at you, […]
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