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Freedom Through Saving

February 11, 2013 by Long Pham

Saving is the process of deferring consumption now so that you can have a greater amount to spend later, or have funds to draw upon when you no longer have a regular income. Forget about consumption. Thanks to the power of compound interest, saving will set you free!

What Is Compound Interest?

Compound interest is Continue Reading

The Best And Worst Airlines In 2012

February 7, 2013 by Long Pham

A week ago, I spent a little time reading about frequent flyer miles and how people go out of their way to boost their points or optimize their earnings. It’s a little crazy how people use a combination of airline branded credit cards and flight schedules in order to maintain their elite flying status. Of Continue Reading

Avoid Being A Chump By Ignoring The Bandwagon

February 4, 2013 by Long Pham

Last this week, I was reading Individual Investors Help Drive Stock Surge in The Wall Street Journal. The opening sentence, “Small investors are jumping back into the stock market after abandoning it during the financial crisis” got me thinking about why this is happening.

The market is reaching levels not seen since 2007, prior to Continue Reading

Credit Card Usage And Review Process

January 31, 2013 by Long Pham

From time to time I’ll be reviewing credit card offers. To help create a fair system in which to review the credit cards, I have developed a systematic review process to grade the offers.

I will be reviewing offers that I have an affiliate relationship with as well as those that I do not have Continue Reading

Debt Is Slavery

January 29, 2013 by Long Pham

The United States of America officially abolished slavery in 1865 with the adoption of the 13th Amendment to the United States Constitution. Slavery still hasn’t ended.

Everyday, in the media, in schools, in government, and in our families, we’re all taught and encouraged to be slaves. We set up our lives so we feel free. Continue Reading

Personal Update – 4th Quarter 2012

January 24, 2013 by Long Pham

2012 was a very good year! We managed to pay off all of our debt, except for the mortgage, in nine months. 2013 is off to a great start as we will be able to max out all of our retirement accounts for the first time and boost our savings rate significantly.

4th Quarter, 2012

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