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My Confession

June 2, 2015 by Long Pham

I have a confession to make.

I quit my job.

In fact, I quit my job almost two years ago. I’m not sure why I’ve had such a hard time putting this down in writing, but this post has been sitting in my drafts folder for a long time. It’s been written, rewritten, and rewritten Continue Reading

Annual vs. Monthly IRA Contribution Experiment – April 2015 Update

May 26, 2015 by Long Pham

The Annual vs. Monthly IRA Contribution Timing Experiment April 2015 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
614.12 19.41 11,120.63 11,919.99 799.36

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
404.60 19.41 7,449.67 7,853.25 403.58

Account Summary:

  • 04/01/2015
Continue Reading

Annual vs. Monthly IRA Contribution Experiment – March 2015 Update

May 19, 2015 by Long Pham

The Annual vs. Monthly IRA Contribution Timing Experiment March 2015 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
614.12 19.07 11,120.63 11,711.19 590.56

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
380.56 19.07 7,257.36 7,257.36 266.02

Account Summary:

  • 03/01/2015
Continue Reading

Annual vs. Monthly IRA Contribution Experiment – February 2015 Update

March 10, 2015 by Long Pham

The Annual vs. Monthly IRA Contribution Timing Experiment February 2015 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
614.12 19.29 11,120.63 11,846.30 725.67

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
356.89 19.29 6,533.01 6,884.41 351.40

Account Summary:

  • 02/01/2015
Continue Reading

Interest In Escrow Accounts

February 17, 2015 by Long Pham

A few years ago I announced that my wife and I had paid off all of our student loan and car debt. So except for the mortgage, we’ve been able to remain debt free, which I think is pretty good for living in Southern California where real estate is pretty pricey.

I have used Continue Reading

I Pay The Idiot Tax

February 12, 2015 by Long Pham

Some call it the idiot tax. Some call it a tax on the poor and the stupid. That’s all fine and dandy, but everyone spends money on frivolous things. Hell, there are worse things to spend your money on. I’d call tobacco products, high end fashion items (purses, jewelry), and “collectors items” (sports memorabilia), idiot Continue Reading

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