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- December 17th, 2009
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Pinyo has posted a new entry on: Moolanomy
5 Ways to Save Money on Kids’ Extracurricular Activities
Whether your child is involved in school sports, music, dance, theater, art or some other activity that goes beyond the scope of ordinary schooling, participation is costly. There are activity fees to…
- December 15th, 2009
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Pinyo has posted a new entry on: Moolanomy
American Express Charge Card Flip Video Camera Giveaway
The holiday season is in full swing and everyone is looking for ideas to help them stay out of post-holiday financial nightmare. One way to help you spend more sensibly is by using an American Express…
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Pinyo has posted a new entry on: Moolanomy
Dividend Investing: Focus On Yield, Not Share Price
When it comes to long term investing, I believe that you should focus more on dividend yields and cash flow versus speculation and share price appreciation. While this might mean avoiding sexy names l…
- December 14th, 2009
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Pinyo has posted a new entry on: Moolanomy
End of the Year Tax Play: Sell Losing Investments
As the year draws to close, it’s time to take stock of what you are doing to increase your overall tax efficiency. If you are looking to get a few more deductions, this is the time to do so, whe…
- December 10th, 2009
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Pinyo has posted a new entry on: Moolanomy
Save on Shopping by Getting Organized: the Essential Toolkit
The best way to save on shopping is to get it under control: start counting money and planning your purchases. This is hard and (as many will say) makes shopping less fun but with the tools I am sha…
- December 9th, 2009
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Pinyo has posted a new entry on: Moolanomy
How to Maximize Your Energy Efficiency Tax Credit Without Overspending
As the year is winding down, you may be considering some ways to lesson your 2009 tax burden. Should you take advantage of the federal tax credits Congress has provided certain energy efficiency expen…
- December 8th, 2009
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Pinyo has posted a new entry on: Moolanomy
Advantages of Holiday Shopping with Credit Cards
When it comes to shopping this holiday season, many people are probably thinking of sticking with cash. With concerns about the economy prompting many to cut back on spending and avoid adding to their…
- December 7th, 2009
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Pinyo has posted a new entry on: Moolanomy
End-of-Year Financial Checkup Checklist
At least once a year, if not more, you visit the dentist and doctor to make sure everything’s working properly – why not give your finances the same opportunity? As we approach the busy holi…
- December 6th, 2009
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Pinyo has posted a new entry on: Moolanomy
Unfiled Tax Returns, What Happens If You Don’t File A Tax Return?
Filing an unfiled tax return or even multiple years of unfiled tax returns isn’t as big of a deal as you may believe. Even if you cannot pay the taxes that are owed with the return it isn’…
- December 3rd, 2009
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Pinyo has posted a new entry on: Moolanomy
Getting the Most Out of Your Health Insurance Before 2010
It’s open enrollment time for many health insurance plans. And that means you are finding out that premiums, deductibles and co-pays are probably on the rise. In some cases, benefits are shrinki…
- December 2nd, 2009
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Pinyo has posted a new entry on: Moolanomy
Saving for the Holidays – How Not to go Broke this Year
The holiday season is here and Christmas is rapidly approaching. For many people, the holidays mean a great deal of gift buying and giving, travel to and from family, and social occasions with co-work…
- December 1st, 2009
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Pinyo has posted a new entry on: Moolanomy
A Christmas Gift Card Giving Guide
Seven words you never want to hear at Christmas: “WHAT!!! YOU GOT ME A GIFT CARD?!?!?!?” On the other hand, if someone really wants a gift card, why fight the crowds and spend hours looking for th…
- November 30th, 2009
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Pinyo has posted a new entry on: Moolanomy
21 Gadgets Which Actually Save You Money
We are inevitably going to be divided into two groups — the people who can’t live without their gadgets, and those who believe that the saturation of gadgets in our everyday lives has simply m…
- November 29th, 2009
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Pinyo has posted a new entry on: Moolanomy
Turkey Recipes: Stretch Your Holiday Dollar With Turkey Leftovers
While I always loved having turkey with my family each year, I dreaded the days that followed. It is my firm belief that the reason turkey is primarily consumed at only three times of year (Thanksgivi…
- November 24th, 2009
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Pinyo has posted a new entry on: Moolanomy
Be Thankful This Thanksgiving
It’s easy to be down in the dumps these days. The economy is bad, and may or may not be improving. Unemployment remains high, savings account interest rates low, and the stock market shaky. It’s g…
- November 23rd, 2009
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Pinyo has posted a new entry on: Moolanomy
How Much Debt Is Too Much?
While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as “de…
- November 22nd, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Resolve IRS Tax Debt
If you pay estimated taxes, you may find yourself facing a tax debt when you come to fill in your tax return. As estimated tax payments are predominantly based on your income for the previous tax year…
- November 19th, 2009
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Pinyo has posted a new entry on: Moolanomy
Pocketsmith Review and Giveaway
PocketSmith is an online personal finance management tool with some unique features. It features a calendar that allows you to add events, multiple calendars, and forecasts how much cash you will have…
- November 18th, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Have A Wonderful Yet Frugal Thanksgiving
Thanksgiving is only a few days away, and for some of us, financial concerns are more prominent this year than any other years in the past. However, that’s not what Thanksgiving is all about. Re…
- November 17th, 2009
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Pinyo has posted a new entry on: Moolanomy
Help Yourself, Not The Economy
There is a tug of war going on over your money right now. When you sit down and think about it, you know that you should save your money, pay off your debt and provide for your future. Unfortunate…
- November 16th, 2009
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Pinyo has posted a new entry on: Moolanomy
Holiday Shopping: Tips for Black Friday and Cyber Monday
Chances are, you are already planning your holiday shopping. You might even be looking ahead toward Black Friday and Cyber Monday. With retailers still trying to lure customers into spending, this yea…
- November 15th, 2009
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Pinyo has posted a new entry on: Moolanomy
Tips On Buying A New Computer
A computer these days is almost a necessity for everyone, and an expensive necessity at that. Whether for fun or for work, it is not uncommon to see multiple computers in a household. More and more pe…
- November 12th, 2009
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Pinyo has posted a new entry on: Moolanomy
What Counts As a Tax Deduction?
Understanding the many tax deductions can be nothing short of a minefield, and many taxpayers are unaware of the many deductions that can be used to legally reduce your tax bill. This article highligh…
- November 11th, 2009
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Pinyo has posted a new entry on: Moolanomy
Why Credit Cards Rule Over the Inferior Debit Card
I’m still trying to figure out why people think I’m foolish for using a credit card instead of a debit card. I’m a Dave Ramsey listener and fan so I’ve heard him rant and rav…
- November 10th, 2009
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Pinyo has posted a new entry on: Moolanomy
10 Steps to Planning Holiday Spending
There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping. Others have been diligently saving all yea…
- November 9th, 2009
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Pinyo has posted a new entry on: Moolanomy
Forex Trading Basics and How It Works
Forex trading is becoming more popular in the recent years due in part to the fact that it is more accessible to the general public. It used to be that the currency market was the province of institut…
- November 8th, 2009
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Pinyo has posted a new entry on: Moolanomy
How the First Time Home Buyer Credit Can Create Economic Growth
Last week, when the President signs the expanded aid package, my husband and I (and many others) breathe a collective sigh of relief. The expanded aid package includes a seven month extension of the F…
- November 5th, 2009
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Pinyo has posted a new entry on: Moolanomy
Redbox Movie Rentals versus Netflix and Blockbuster
One area in which I have vigilantly slashed my spending is the “Entertainment” category. I include cable television, movie theaters, concert tickets, bars, sporting events, and a bunch of…
- November 4th, 2009
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Pinyo has posted a new entry on: Moolanomy
Why The First Time Home Buyer Credit Is Terrible For The Economy
The first-time home buyer tax credit extension cleared a hurdle in the Senate today with a 98-0 vote, and it could be a done deal if approved by the House this week. All over the U.S., there is an inc…
- November 3rd, 2009
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Pinyo has posted a new entry on: Moolanomy
Should You Purchase a Cheaper Product or Upgrade to a More Expensive Product?
In general, people want to make financially responsible decisions when they go shopping. Often times, I look at two apparently identical items that priced differently. On some occasions, the differe…
- November 2nd, 2009
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Pinyo has posted a new entry on: Moolanomy
Make Money Online: Cash Crate Review
When you are looking to make money online, it is common to come across a variety of web sites offering to pay you for doing a number of seemingly easy things. One of the most popular types of online m…
- November 1st, 2009
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Pinyo has posted a new entry on: Moolanomy
What To Do With A Financial Windfall
We’ve all heard the stories of lotto winners who win millions, think they’re set for life, and then go broke within a decade. Or people who inherit large sums of money and end up in financ…
- October 29th, 2009
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Pinyo has posted a new entry on: Moolanomy
Open Enrollment Time: A Guide to Your Benefits Package
It’s Open Enrollment time at most employers, the time when you get to choose your benefits coverage for next year. You will review your chosen options, and make changes to them as needed. ItR…
- October 28th, 2009
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Pinyo has posted a new entry on: Moolanomy
5 Reasons You Need a Tax Professional
If you’re responsible for dealing with your own taxes, it can be beneficial to hire an accountant to make sure that you’re deducting everything that you’re entitled to. In most cases…
- October 27th, 2009
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Pinyo has posted a new entry on: Moolanomy
The Importance of Personal Money Management
Many of us were not taught the importance of personal money management when we were young. We did not learn to save, invest, allocate, or how to make our money work for us. Many of us are in debt, hav…
- October 26th, 2009
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Pinyo has posted a new entry on: Moolanomy
Five Things To Focus On In Your 20s
I’m a firm believer that your 20s is the most important decade of your life financially. This was a driving reason on why I chose to start my blog 20smoney.com. This is a crucial decade; unf…
- October 25th, 2009
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Pinyo has posted a new entry on: Moolanomy
Even Good Debt Can Be Bad
One of the debates that goes on in the personal finance world revolves around the concept of whether or not some debt can be good. It is true that some debt (like a home mortgage) is viewed more favor…
- October 22nd, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Vacation Without Disappointment
Most people go on vacation with expectations of a non-stop extravaganza or with the hopes of an interruption-free solitude. That’s what I call setting yourself up for failure. Neither of those t…
- October 21st, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Save Money Without Thinking
Saving more money is a goal most of us share, but many Americans find that they have very little saved at the end of the month. The recent recession saw Americans saving more than we have in years, up…
- October 20th, 2009
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Pinyo has posted a new entry on: Moolanomy
Should Parents Have a Financial Double Standard For Sons and Daughters?
I have two daughters and one son. They are all quite young (the oldest is four). At this moment when I look ahead to the future I am have the exact same financial plan for each of them. Currently, we…
- October 19th, 2009
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Pinyo has posted a new entry on: Moolanomy
8 Ways to Reduce Pet Care Costs
Having a pet can bring great joy, laughter and comfort to all around. Unfortunately, they can also mean additional, even unexpected, expenses in today’s already tough economy. According to the A…
- October 18th, 2009
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Pinyo has posted a new entry on: Moolanomy
25 Frugal Halloween Costumes
With Halloween just around the corner, it’s time to start thinking of ways to fashion a costume that is creative without being expensive. I’ve created a list of 25 Halloween costumes that…
- October 15th, 2009
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Pinyo has posted a new entry on: Moolanomy
Additional Income: Is It Taxable?
We’ve briefly touched on the topic of paying income taxes on eBay sales in the past, but a lot of people are unsure as to whether additional income in general needs to be reported to the IRS. By…
- October 14th, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Use A Credit Card For Protection
In the past few weeks, I’ve been reading some articles, along with their comments, about people cutting up their credit cards. There are multiple rationales behind this decision. One such ration…
- October 13th, 2009
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Pinyo has posted a new entry on: Moolanomy
Fall Cleaning For You and Your Financials!
Ah … Fall and Spring cleaning — a fresh desk, a clean home, a new perspective with the changing of the seasons. Why is this such a good idea, especially when it comes to your financial doc…
- October 12th, 2009
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Pinyo has posted a new entry on: Moolanomy
Understanding Investment Risk Profiles
Investment advisers and the investment industry has continuously stressed the importance of diversification and asset allocation, however investors have often ignored this, as they were too busy chasi…
- October 11th, 2009
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Pinyo has posted a new entry on: Moolanomy
Establishing Good Financial Habits Early
The young people today have a wide range of financial struggles. For the most part, young people have too much debt, bad spending habits, not enough savings and poor investing skills. Throw in today…
- October 8th, 2009
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Pinyo has posted a new entry on: Moolanomy
21 Financial Lessons Learned From The Economic Events Of 2008-2009
One of the great gifts associated with the 2008-2009 events was an opportunity to get some free credits in the school of life. School tuition can be expensive so I am always thankful when life decides…
- October 7th, 2009
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Pinyo has posted a new entry on: Moolanomy
How To Slice Your Budget Wisely
At least quarterly, Mr. B and I try to take a look at our budget. How is it (or isn’t it) working? Since we are considering buying a house, we have also been looking for ways to slice our budget…
- October 6th, 2009
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Pinyo has posted a new entry on: Moolanomy
A Basic Look at Long Term Investing
With the recent stock market crash, many people are understandably wary about investing. Concerns about the volatility of the stock market, and the prospect of losses during downturn, have convinced m…
