Pinyo's Author Profile and Articles

PinyoPinyo is the owner of Moolanomy Personal Finance and an entrepreneur with over 20 years of business experience. He has a strong appreciation for business management, investing, and wealth building. He has written for many online publications, including American Express and U.S. News.

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Articles by Pinyo

Income Diversification: Why You Need to Diversify Your Income

Income Diversification: Why You Need to Diversify Your Income

Diversification is a concept that I’ve embraced all my life.  In the past, I have discussed investment diversification and also touched on the concept of income diversification.  Today, I want to more thoroughly explore the idea [...]

5 Ways to Spring Clean Your Finances

5 Ways to Spring Clean Your Finances

With taxes out of the way, it’s time to prepare for some summer fun. But like your house, your finances will be much more manageable when you take the time to spruce things up this spring. [...]

Best Banks with the Highest Interest Rate for Savings Account

Best Banks with the Highest Interest Rate for Savings Account

Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. [...]

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 [...]

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. [...]

5% Cash Back Credit Cards, June 2013 Promotion Calendar

5% Cash Back Credit Cards, June 2013 Promotion Calendar

The following is the 2013 calendar of 5% cashback bonus promotions for some of the credit cards and debit cards that are currently offering a 5% promotion. These cards include Citi Dividend, Discover Card, PerkStreet Debit [...]

LendingClub: My Real Money Peer-to-Peer Lending Portfolio

LendingClub: My Real Money Peer-to-Peer Lending Portfolio

It has been a while since I last invested in LendingClub. Now that I have a well-funded retirement account and some extra  money to invest, I want to give peer-to-peer lending another try. For this experiment, [...]

How to Get Best Interest Rate on Your Home Mortgage

How to Get Best Interest Rate on Your Home Mortgage

How do you find a good lender? How to find the best mortgage rates? These are some of the common questions that first time home buyers face. This is probably a good time to buy a [...]

50+ Mini-Tasks to Improve Your Finances One Step at a Time

50+ Mini-Tasks to Improve Your Finances One Step at a Time

Every new year, we set up big audacious goals that we want to accomplish in the new year. Some how, we are magically more likely to succeed because a digit changed on the calendar. Personally, I [...]

Quarterly Estimated Tax Payments Due Dates for 2013

Quarterly Estimated Tax Payments Due Dates for 2013

For all the freelancers, small business owners and self-employed individuals out there, staying on top of when the estimated tax payments are due is important to help you stay within the IRS tax payment guideline and [...]

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