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Selecting A Good Checking Account

September 16, 2013 by Long Pham

It All Starts With A Bank

Face it. We live in the 21st century. Our lives are dominated by technology because it saves us from doing tedious things that we used to spend time doing manually. There are tasks that technology greatly speeds up, and there are tasks that technology does that takes up a Continue Reading

Monthly vs. Annual IRA Contribution Experiment – August 2013 Update

September 9, 2013 by Long Pham

The Monthly vs. Annual lump-sum IRA contribution timing experiment August 2013 update.

Annual Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 202.69 41.30 6,921.06 8,371.09 1,450.03 20.95
VGTSX 187.90 15.10 2,694.52 2,837.30 142.78 5.30
VBMFX 103.93 10.58 1,145.53 1,099.56 -45.97 -4.01
Totals: 10,761.11 12,307.95 1,546.84 14.37

Account Summary : Continue Reading

No More Excuses

September 2, 2013 by Long Pham

There is no more time for excuses. Don’t wait until tomorrow to change your life. Start today – the time for action is now.

If you’re reading this, you must have some interest in having financial freedom. Don’t make any excuses on why you can’t do it or why it won’t work for you. You Continue Reading

What If?

August 26, 2013 by Long Pham

What’s the point of saving? What if I die young? In other words, what if my money outlives me? Shouldn’t I enjoy my money while I can?

What if you don’t die young? What if you do outlive your money? What if you’re old and you realize that you have nothing?

What If?

I urge Continue Reading

The Courage To Have Financial Integrity

August 19, 2013 by Long Pham

It’s tough to be honest. It’s especially tough when everyone around you is lying to themselves.

Amazing trips, parties, booze, cars, boats, off-road vehicles, furniture, and electronics – the list goes on and on. Not a day goes by when I don’t hear about something new from people I know, whether it be in person Continue Reading

Monthly vs. Annual IRA Contribution Experiment – July 2013 Update

August 12, 2013 by Long Pham

The Monthly vs. Annual lump-sum IRA contribution timing experiment July 2013 update.

Annual Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 202.69 42.50 6,921.06 8,614.32 1,693.26 24.47
VGTSX 187.90 15.35 2,694.52 2,884.27 189.75 7.04
VBMFX 103.72 10.67 1,143.29 1,106.65 -36.64 -3.20 
Totals: 10,758.87 12,605.24 1,846.37 17.16

Account Summary : Continue Reading

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