Money, Nursing, Food, Life.
by Long Pham
By Catey Hill, courtesy of Zillow
The super-low interest rates mortgage companies are now offering make refinancing tempting. Who wouldn’t want a rate just around 3 percent? Refinancing can help build equity in a home faster, shorten the loan term, lower monthly mortgage payments, lessen the amount of interest owed and more. But refinancing isn’t Continue Reading
by Long Pham
Like most people, I grew up with a particular idea of what the “American Dream” should be. All I knew was that if studied hard and worked hard I could become successful and fulfill my dreams. It’s too bad that no one educates you on all the stuff in between and that the dream is Continue Reading
by Long Pham
I’ve been reading a lot of reports in the news that consumers are “feeling” richer, and as a result, they are increasing consumption and spending more. What the hell does that mean? What is it like to feel rich, but not actually be rich?
There are supposedly two factors that are making people feel richer. Continue Reading
by Long Pham
The Monthly vs. Annual lump-sum IRA contribution timing experiment March 2013 update.
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 201.80 | 39.39 | 6,885.54 | 7,948.85 | 1,063.31 | 15.44 |
| VGTSX | 185.48 | 15.39 | 2,659.46 | 2,854.61 | 195.15 | 7.34 |
| VBMFX | 102.93 | 11.00 | 1,134.79 | 1,132.23 | -2.56 | -.23 |
| Totals: | 10,679.79 | 11,935.69 | 1,255.90 | 11.76 |
Account Summary : Continue Reading
by Long Pham
It’s three months into 2013, and I’m feeling more financially secure than I have my entire life. However, I’m feeling quite unhappy at work and I’m not sure how much longer I can keep it up. Trying to find a job in another field has been tough because starting over would mean quite a significant Continue Reading
by Long Pham
I’m not going to tell you how to protect your online accounts by not using passwords like God and “password,” or PIN numbers like 1234 and 0000. You already know that.
With the proliferation of hackers penetrating the security of major financial institutions and social media hubs, account security is being expanded beyond the user Continue Reading
