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

How to Get Free Credit Score (No Credit Card Needed)

How to Get Free Credit Score (No Credit Card Needed)

Do you want to know your credit score but are not sure where to look? This article will walk you through the three main ways you can check your scores for FREE. It will also touch […]

What is a SEP IRA, Advantages, and Contribution Limits

What is a SEP IRA, Advantages, and Contribution Limits

SEP IRA is one of the many retirement plans designed to help self-employed individuals and small-business owners save for their retirements. With a SEP IRA, you can contribute up to 25% of your income with a […]

Should You Finance Your Rental Property Purchase or Pay Cash?

Should You Finance Your Rental Property Purchase or Pay Cash?

I am currently in the process of buying a rental property and one of the questions that came up was: is it better to buy a rental house with cash, or is it better to take […]

How to Do Your Own Debt Consolidation and Get Out of Debt

How to Do Your Own Debt Consolidation and Get Out of Debt

Debt consolidation companies often give you a fantastic pitch that promises to help you lower your monthly payments and eliminate debt.  All you have to do is work with them, combine all your debt obligations into […]

Traditional and Roth IRA Contribution Limits for 2012-2013

Traditional and Roth IRA Contribution Limits for 2012-2013

The contribution limit for IRAs increased by $500 for 2013 to $5,500. The maximum you may contribute to your Traditional and Roth IRAs combined is the lesser of $5,500, or the amount of your taxable compensation […]

Maximum 401k Contribution & Catch-Up Limits for 2012-2013

Maximum 401k Contribution & Catch-Up Limits for 2012-2013

Based on 401(k) Resource Guide at IRS.gov, the combined total contribution you can make to all of your 401(k) plans (including traditional 401(k), Roth 401(k), and individual 401(k) plans) in 2013 increased by $500 to $17,500. The catch-up […]

19 Ways to Improve Gas Mileage and Save Money on Gas

19 Ways to Improve Gas Mileage and Save Money on Gas

Remember when a gallon of regular grade gas was only $1? When filling up your car only cost you $15? Those were the days. Unfortunately, those are now the days long gone and likely never to […]

5 Factoids About Credit and Debt Across Generations

5 Factoids About Credit and Debt Across Generations

Experian put together this infographic looking at credit and debt as it relates to each of the last four generations. While age isn’t one of the factors used in determining your credit score, many of the other […]

Best Checking Account Interest Rates

Best Checking Account Interest Rates

If you keep a lot of money in your checking account, moving your money to a high interest checking account may be a good move. Below is a list of nationally available highest yields checking accounts. […]

How to Get Free Credit Reports

How to Get Free Credit Reports

One of the first step to help you better understand and improve your credit is to get your credit reports. Your reports give you a better understanding of what’s going on, and offer you the opportunity […]

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

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