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You Can’t Stop Rising Used Car Values, But You Can Buy Smart

February 15, 2012 by Long Pham

Used car prices rose 3% in 2011, and are on track to jump another 1.8% in 2012. Used cars are still the best deal when it comes to vehicle purchases, but the average sales price has been creeping up since the start of the financial crisis. If you’re in the market for a used vehicle, Continue Reading

Monthly vs. Yearly IRA Contribution Experiment – January 2012 Update

February 10, 2012 by Long Pham

The Monthly vs. Yearly IRA contribution timing experiment January 2012 update.

Yearly Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 102.33 32.88 3,250.00 3,364.61 114.61 3.53
VGTSX 93.07 14.01 1,250.00 1,303.98 53.98 4.32
VBMFX 45.64 11.07 501.19 505.28 4.09 0.82
Totals: 5,001.19 5,173.87 172.68 3.45

Account Summary :

  • 01/31/2012
Continue Reading

Monthly vs. Yearly IRA Contribution Experiment

February 8, 2012 by Long Pham

The Monthly vs. Yearly IRA contribution timing experiment has begun.

For every update, I will report each account’s individual performance as well as a side by side comparison. To make it easier to read, the numbers in the tables are rounded and formatted to only two decimal places.

Yearly Contribution Roth IRA

Fund Shares Price
Continue Reading

Should You Make Monthly Or Yearly Contributions To An IRA?

February 7, 2012 by Long Pham

How and when to make contributions to an IRA is a frequently asked question and debatable topic. Those that like to contribute the maximum amount to an IRA at the beginning of the year support the theory of compounding. They believe that if you invest your money early on in the year, it will have Continue Reading

How Losing Weight And Picking The Right Insurance Can Save You Money

February 2, 2012 by Long Pham

I’ve been conscious about my weight recently. It’s not because of a New Years resolution or that I’m particularly overweight, but I’ve been thinking about how weight is related to money.

Americans spend $40 billion a year on dieting programs and products.

When my employer offered supplemental life insurance through payroll deduction, I took up Continue Reading

Become A Budget For Wealth Facebook Fan!

January 27, 2012 by Long Pham

“Like” us on Facebook between now and Sunday, January 29, 2012 and get a chance to win a $25 Restaurant.com eGift Card! You can get to our Facebook page by clicking on the Facebook icon at the top of the website, by clicking the “Like” button at the bottom of the website, or by going Continue Reading

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