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.

Follow on Google+ and @moolanomy on Twitter

Articles by Pinyo

What is a Good Credit Score Rating?

What is a Good Credit Score Rating?

What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720. Why does it matter to have a good score? A high credit […]

A Review of Dave Ramsey’s Baby Steps to Financial Freedom

A Review of Dave Ramsey’s Baby Steps to Financial Freedom

Dave Ramsey’s Baby Steps is a financial plan designed to help you get your finances in order, get out of debt, and achieve financial freedom. Dave Ramsey has taught these Baby Steps to millions via radio, The Total Money […]

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. […]

How Much House Can I Afford? 6 Ways to Find Out

How Much House Can I Afford? 6 Ways to Find Out

If you want to purchase a home, you might wonder, “how much house can I afford to buy?” With the mortgage rates still close to its all-time lows and home values still below the peak, this may be […]

40+ Passive Income Ideas and Ways to Make Extra Money

40+ Passive Income Ideas and Ways to Make Extra Money

Do you want to earn $100, $1000 — or even more — on the side? You can start earning extra income today with the help of this list of ideas I’ve put together. Spend an hour […]

5% Cash Back Credit Cards, August 2014 Promotion Calendar

5% Cash Back Credit Cards, August 2014 Promotion Calendar

The following is the 2014 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, Chase Freedom, […]

Quarterly Estimated Tax Payments Due Dates for 2013-2014

Quarterly Estimated Tax Payments Due Dates for 2013-2014

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 […]

IRS 2013 and 2014 Tax Tables (Federal Income Tax Rates)

IRS 2013 and 2014 Tax Tables (Federal Income Tax Rates)

The following article contains information about the federal income tax rates for 2011, 2012, and 2013. Use 2013 rates to prepare and file your 2013 tax return in early 2014. Use 2014 rates to plan for […]

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

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

At the end of May 2013, I started a $1,000 investment account with Lending Club and I’ll be updating you on the progress on a regular basis. This is not my only investment with Lending Club, […]

15 Steps Financial Success Plan

15 Steps Financial Success Plan

The following 15-part series is a do-it-yourself step-by-step guide that will help you improve your finances, reduce your debt, and increase your income and savings. These steps start off with tips and ideas to help you […]

Credit Score Ratings Chart

Credit Score Description
750+ Excellent
700 - 750 Good
640 - 700 Average
580 - 640 Poor
below 580 Bad
see your credit score now

Disclaimer

The information on this site is strictly the author's opinion. It does NOT constitute financial, legal, or other advice of any kind. You should consult with a certified adviser for advice to your specific circumstances.

While we try to ensure that the information on this site is accurate at the time of publication, information about third party products and services do change without notice. Please visit the official site for up-to-date information.

For additional information, please review our legal disclaimers and privacy policy.

Notice

Moolanomy has affiliate relationships with some companies ("advertisers") and may be compensated if consumers choose to buy or subscribe to a product or service via our links. Our content is not provided or commissioned by our advertisers. Opinions expressed here are author's alone, not those of our advertisers, and have not been reviewed, approved or otherwise endorsed by our advertisers.