Pinyo's Author Profile and Articles

PinyoPinyo is the owner of Moolanomy Personal Finance. He is a licensed Realtor specializing in residential homes in the Northern Virginia area. Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, and financial literacy author.

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Articles by Pinyo

Using The Pareto Principle to Improve Your Finances

Using The Pareto Principle to Improve Your Finances

The Pareto Principle, also known as the 80-20 rule or the law of the vital few, is an observation that 80% of the effects come from 20% of the causes. I often use the Pareto Principle […]

How to Sell Your House Fast – 9 Tips to Get the Most From Your Home Sale

How to Sell Your House Fast – 9 Tips to Get the Most From Your Home Sale

Now that the house hunting season is in full swing, I thought it’s a good idea to revisit these house selling tips again. Although the economy has been improving, the housing market still favors buyers over […]

How to Create a CD Ladder

How to Create a CD Ladder

Investing in the stock market could be a bumpy ride. If you’re looking for something that’s a little more predictable and generate steady interest, investing in Certificates of Deposit might be a good option for you. […]

Best Discount Brokers: Lowest Mutual Fund Trading Fee

Best Discount Brokers: Lowest Mutual Fund Trading Fee

This list of stock broker is based on the Best Discount Brokers: Lowest Trading Fee for Stocks and ETFs list sorted by Mutual Fund trading fees. This list should help investors who primarily invest in mutual […]

Dave Ramsey: Pay Off Your Mortgage Early or Not

Dave Ramsey: Pay Off Your Mortgage Early or Not

Should You Pay Off Your Mortgage Early? This is an age-old question with no definitive answer. There are people who believe paying off mortgage as fast as possible is better, and there are people believe investing […]

Best Discount Stock Brokers with Lowest Trading Fees

Best Discount Stock Brokers with Lowest Trading Fees

One of the best ways to start investing is to use the services of an online discount broker. However, there are so many discount brokers that it can be difficult to determine which one is best. […]

12 Investing Mistakes I’ve Made, and How You Can Learn From Them

I’ve been investing since 1996. In the process, I have learned a lot, mainly from trial and error. I’d like to share my experience with you. Here are some of the mistakes I’ve made: Not investing […]

Should You Pay Off Your Rental Property Mortgage Early?

Should You Pay Off Your Rental Property Mortgage Early?

People are greatly divided on the topic of early mortgage pay off — some say it’s a good idea, others disagree. This topic is highly debatable because there are so many factors to consider, and even […]

401k Rollover Options: How to Transfer Your 401k Fund

401k Rollover Options: How to Transfer Your 401k Fund

When you leave a job where you have contributed to a 401(k) plan, you have three options for the money: Cash out your 401(k), keep it in your current plan, or move it to another qualified […]

Dave Ramsey’s Debt Snowball Debt Payment Method

Dave Ramsey’s Debt Snowball Debt Payment Method

If you’re a regular personal finance blog reader, chances are you’ve heard about Dave Ramsey and Debt Snowball. Personally, I have mentioned both Dave Ramsey and Debt Snowball a few times, but never write anything specifically […]

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