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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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The Servicemembers Civil Relief Act

Compiled and Edited By David S. Chang The Servicemember’s Civil Relief Act (SCRA) expanded and improved the former Soldiers’ and Sailors’ Civil Relief Act (SSCRA). The SCRA provides a wide range of protections for individuals entering, called to active duty in the military, or deployed servicemembers. It is intended to postpone or suspend certain civil obligations […]
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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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Which Debt To Pay Down First

The average American household has $15,325 in credit card debt, $147,924 in mortgage debt and $32,041 in student loan debt. How to pay your debt is important (visit artofthinkingsmart.com for more information), but which debt to pay off first is just as important if you are unable to pay off all of them at once. […]
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Money: Not The Best Investment

In a recent survey by Bankrate.com, more than a quarter of Americans stated that the best way to invest money they didn’t need for more than 10 years was cold, hard cash. Real estate came next at 23 percent, gold or other precious metals at 16 percent, and the stock market only at 14 percent. […]
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Response to your Midweek Article (on Debt Collectors)

Please click here to visit the original article on working with Debt Collectors. Dear Mr. Chang, I am writing to you in response to your Midweek article for August 7, 2013 titled “Dealing with Debt Collectors.” My goal isn’t to dispute what you have written, which was well done, rather to add some context regarding personal responsibility […]
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Having a Really Lousy Day? Some Ways to Feel Better

Gretchen Rubin We’ve all had terrible, horrible, no good, very bad days. A bad work evaluation, a disappointing grade, a potential crush who turns out to be interested in someone else, a fight with your colleague, a worrisome report from a doctor, a broken resolution…lousy days take many forms. Here are some strategies I use […]
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Deduct Charity Travel Expenses

  If you travel while doing charity work, you may be able to deduct some of your travel costs. According to the IRS, here are five things you should know:   1. The charity must be an IRS-qualified tax-exempt organization. 2. You cannot deduct the value of your services, only unreimbursed travel expenses. 3. The deduction only qualifies […]
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How To Create A Financial Plan

When people think of a financial plan, many assume it involves setting up a budget, saving for retirement and looking for good investment products. But a financial plan goes much deeper than that. If properly done and updated regularly, it could mean the difference between financial independence and financial dependence. Here are key steps on how to […]
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