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 Create 1099-MISC Forms and File Online with the IRS

How to Create 1099-MISC Forms and File Online with the IRS

If you hired contractors to perform work for you, you will have to create a 1099-MISC form for each contractor that you paid $600 or more to over the course of the year. These forms have […]

Using the Rule of 72 to Predict How Much You Need to Retire

Using the Rule of 72 to Predict How Much You Need to Retire

Previously, I demonstrated a way to calculate your retirement needs. Now I am going to show you how to use a popular math trick, e.g., the Rule of 72, along with some historical inflation data, to […]

Don’t Break the Bank on Holiday Technology

Don’t Break the Bank on Holiday Technology

Too often we spend all of our Christmas budgets on technology that seems to go obsolete when the new year comes around. This often leads to our loved ones returning items or getting stuck in long […]

3 Reasons Why You Should Not Borrow from Your 401(k) Plan

3 Reasons Why You Should Not Borrow from Your 401(k) Plan

A friend at work is thinking about borrowing from his 401(k) plan to fund his business start-up. He mentioned it to me and I told him that it’s a terrible idea to borrow from 401(k). It […]

What Should You Do With Your 401(k) When You Get Laid Off?

What Should You Do With Your 401(k) When You Get Laid Off?

When you get laid off, there are many things you need to do, including deciding what to do with your 401(k). You have the choice of leaving the 401(k) funds in your current plan, cashing out […]

The Pros and Cons of Making a Credit Card Balance Transfer

The Pros and Cons of Making a Credit Card Balance Transfer

I have discussed using balance transfer credit cards to help you reduce your debt more quickly. As such, I think it’s prudent to go over the advantages and disadvantages of using a balance transfer credit card […]

The Crossover Point: How Do You Define Financial Independence?

The Crossover Point: How Do You Define Financial Independence?

In “Are you wealthy? Here’s a test,” I defined financial independence as: “when income from my assets can cover all my family living expenses and a few luxuries”. These words were never clear in my mind […]

6 Reasons Why You Need a Financial Advisor

6 Reasons Why You Need a Financial Advisor

Not everyone has the time or inclination to master the subject of personal finance. Luckily, it is not always necessary to master it. In the same way you can hire an electrician without understanding the inner […]

3 Popular Education Tax Breaks: Which One Is Best?

3 Popular Education Tax Breaks: Which One Is Best?

Summer is coming to a close and back-to-school preparation is upon us. For parents of younger children, this shift often means the return to a peaceful lifestyle, free of the headaches associated with finding full-time childcare. […]

Sales Tax Holidays for Back-to-School Shopping and Online Coupons

Sales Tax Holidays for Back-to-School Shopping and Online Coupons

I received an informative message from BargainJill.com about a tax-free weekend in August that will happen in 13 states. During the month of August, Alabama, Arkansas, Connecticut, Florida, Iowa, Louisiana, Maryland, Mississippi, Missouri, New Mexico, North […]

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