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 Much Money Do I Need to Retire? Figure Out in 3 Steps

How Much Money Do I Need to Retire? Figure Out in 3 Steps

There are a lot of sites that help you determine how much you need to save for retirement to maintain your lifestyle. I have never been comfortable with them because they usually don’t share the logic […]

How to Get a Good Auto Loan Rate

How to Get a Good Auto Loan Rate

If you are like most people, you don’t have nearly enough cash when it is time to replace your old car — that means you need to borrow the money. Whether or not that is a […]

Investing and Making Money with Lending Club Peer-to-Peer Lending

Investing and Making Money with Lending Club Peer-to-Peer Lending

I have been lending in peer-to-peer lending networks like Lending Club and Prosper for a few years now.  I believe that peer-to-peer lending networks are gaining credibility; especially with the successful Lending Club SEC registration in […]

What’s Your Financial IQ? Here’s a Test

What’s Your Financial IQ? Here’s a Test

Following the success of previous Frugal of Cheap Test, I am going to throw another one out there for your enjoyment. I hope that you’ll like this Financial IQ Test as much as the last one […]

What to Do if You Cannot Afford to Pay Taxes

What to Do if You Cannot Afford to Pay Taxes

What can you do if you can’t pay the taxes you owe come April? Should you borrow from your 401(k) or is there an IRS tax payment plan option? This is especially important for many Americans […]

Do You Have to Pay Taxes On Unemployment Income?

Do You Have to Pay Taxes On Unemployment Income?

The U.S. unemployment rate continues to remain high at 9.1%. This means that many Americans are collecting their unemployment insurance payments, and many are doing so for the first time ever. Now that the tax season […]

What Affects the U.S. Savings Rate [Infographic]

What Affects the U.S. Savings Rate [Infographic]

My friends over at GoBankingRates.com sent me this infographic, which shows a few interesting facts about the U.S. Savings Rate. The first box shows the U.S. household savings rate dropped from 6% in 1993 to less […]

How to Ace Life Insurance Medical Exam and Save Money

I recently switch my life insurance from Liberty Mutual to Genworth. The first time I got my term life policy, it was difficult for me to get a decent policy because I ran into a shady […]

Personal Cash Flow Management Wealth Building Formula

There are a lot of information about how to get rich, build wealth, achieve financial freedom, etc. But when you take a step back and look at the big picture, it all comes down to better […]

How to Save Money and Build Your Savings

How to Save Money and Build Your Savings

With so many people struggling to save money, I thought it was a good idea to ask a few personal finance bloggers to get their thoughts on how someone could get started on their journey to […]

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