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

Americans’ Savings Behavior and Credit Card Tips [Infographic]

Americans’ Savings Behavior and Credit Card Tips [Infographic]

Recently, BillShrink released an infographic about savings and credit card payoff trend based on their user data as a litmus test for Americans’ behavior. How much are Americans putting away in their savings? Based on their […]

Understanding Medicare and Medigap Plans A to N

Understanding Medicare and Medigap Plans A to N

Medicare is a pretty successful system as far as seniors are concerned. However, it doesn’t cover everything and the difference between what Medicare pays for and what many seniors need is a gap large enough that […]

7 Costly Retirement Savings Mistakes to Avoid

7 Costly Retirement Savings Mistakes to Avoid

Our Social Security system is in crisis. Despite the fact, many people do not give retirement planning enough of a priority. This is especially true when life is hard — making it difficult to think about […]

How Expense Ratios Impact Your Investment Performance

How Expense Ratios Impact Your Investment Performance

What is an expense ratio? It is a fee that mutual fund companies subtract from your investments each year for their service. Can that small fee have such a big impact on long-term investment performance? The […]

How to Ask for a Pay Raise

How to Ask for a Pay Raise

How to ask for a pay raise? That’s the question that always come up one time or another during your career. May be you think you are underpaid, or your skills and responsibilities have grown, or […]

Extra Income and Business Ideas for College Students

Extra Income and Business Ideas for College Students

It’s never too early to start thinking about earning extra income. A good job is hard to find in this economy, so it’s not a bad idea to embrace the concept of building multiple income streams […]

Investing Basics: Stock, Stock Market, and Stock Market Index

Investing Basics: Stock, Stock Market, and Stock Market Index

Following the success of Introduction To Morningstar Style Box, I thought it might be a good idea to start writing more introductory level articles about investing. In this introduction to investing in the stock market series […]

How to Start a Household Budget That Works

How to Start a Household Budget That Works

A budget is a plan to help you balance your income against your expenses. Depending on your situation, you might budget to break even and stay out of debt, but if your cash flow allows it, […]

When Should You Refinance Your Home and Why

When Should You Refinance Your Home and Why

Should you refinance your mortgage? A lot of people have been pondering this question lately. The currently low mortgage rates is a big part of why refinancing is appealing. But refinancing to lower your monthly mortgage […]

A Beginners Guide to Investing in the Stock Market

A Beginners Guide to Investing in the Stock Market

Neither one of my parents know how to invest in the stock market, and it wasn’t a part of my formal education. I had to learn everything on my own, so I know how intimidating it […]

Best Bank Rates

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.