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

Extra Income Guide: How to Make Extra Money

Extra Income Guide: How to Make Extra Money

This guide is intended to provide readers with ideas, how-to tips, and resources on building multiple income streams and generating extra income. If you are interested in earning more money and becoming less dependent on your job, […]

10 Steps to Fix Your Money Problems

10 Steps to Fix Your Money Problems

If you are in a bad financial situation, and here are 10 things that could help you toward recovery. These steps will put you back on track, but the journey will be long. But as Confucius […]

5 Common Investing Mistakes and How to Avoid Them

5 Common Investing Mistakes and How to Avoid Them

I have been using a new free tool called Personal Capital for a few weeks now and I am really impressed by it (if you are familiar with Mint.com, it works the same way, but does […]

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 […]

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. […]

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 […]

How to Eliminate Credit Card Debt in 7 Steps

How to Eliminate Credit Card Debt in 7 Steps

Being in debt is not fun. Unfortunately, many people do find themselves in debt, carrying balances on multiple credit cards. Even if you have debt that seems insurmountable, you can eliminate credit card debt on your […]

Earn More Than You Spend is the Secret to Financial Freedom

Earn More Than You Spend is the Secret to Financial Freedom

One of the steps to help you build a strong financial foundation is to do things that will improve your cash flow — things like starting a budget, reducing your expenses, and making more money. To […]

Best CD Rates, High Yield Certificate of Deposit Rates

Best CD Rates, High Yield Certificate of Deposit Rates

The following is a list of the nationally available highest yields CD rates. In general, certificates of deposit (CDs) are great investments because your principal is protected by FDIC insurance and your interest rates are guaranteed. […]

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