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Viewing profile - Pinyo

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Pinyo
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Joined: Fri Jul 20, 2007 3:53 pm
Last visited: Tue Aug 25, 2009 4:12 am
Total posts: 38
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 21 Posts / 55.26% of user’s posts ]
Most active topic: Expense Ratios and Management Fees
[ 4 Posts / 10.53% of user’s posts ]

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Location: Jackson Heights, NY
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Website: http://www.moolanomy.com/

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http://www.moolanomy.com/
http://www.pfbuzz.com/

Pinyo Posts

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 Forum: Personal Finance   Topic: 401k Investment Question

Posted: Wed Jul 16, 2008 2:16 pm 

Replies: 4
Views: 2286


You should also diversified internationally. If there's an international fund, I'd put at least 30% in there. The Digerati Life has a good post on this.

http://www.thedigeratilife.com/blog/index.php/2008/07/08/the-optimal-foreign-investment-allocation/

I am at international 40% right now.

 Forum: Personal Finance   Topic: CC rewards or cash back cards do GRS people do this?

Posted: Wed Jul 16, 2008 2:08 pm 

Replies: 21
Views: 15441


It's a good strategy and it worked well for me in the past. Unfortunately, most of my payments have been drifting toward EFT as opposed to CC. I am definitely missing out on a lot of reward money.

 Forum: Personal Finance   Topic: Debt Snowball vs Emergency Fund

Posted: Wed Jun 25, 2008 1:26 pm 

Replies: 20
Views: 19857


Personally, I would put everything I can into repaying debt. If a true emergency does come up, I can always put it back on the credit card. But in the mean time, I am saving that 12% difference in interest.

 Forum: General Discussion   Topic: Questions to ask before you buy something.

Posted: Sun Jun 15, 2008 6:26 am 

Replies: 4
Views: 2892


Also, learn how to calculate opportunity cost and ask yourself if you save this amount instead of spending it, how much it might be worth 30 years from now. It's not a big deal for one time purchases, but it's a big deal for recurring expenses like insurance, utilities, cable, cellphone, internet ac...

 Forum: General Discussion   Topic: Good Investing Blogs

Posted: Sun Jun 15, 2008 6:23 am 

Replies: 4
Views: 3049


I agree it's a difficult balance. Hard core investing blogs seem to talk about specific stocks a lot and that's not what I am interested in.

Actually, this reminds me that one of the best/most balanced investing blog I've read is probably the Dough Roller.

http://www.doughroller.net/investing/

 Forum: Personal Finance   Topic: JD's TV Interview -- nice job!

Posted: Sun Jun 15, 2008 6:21 am 

Replies: 11
Views: 4022


JD. I think you did a good job. Heck, I would be nervous too because speaking in front of a camera LIVE is a lot harder than sitting in front of a PC and taking your time to do the editing. Also, I agree you look nothing like your avatar...may be it's the weird camera angle. I wish you face the came...

 Forum: General Discussion   Topic: Good Investing Blogs

Posted: Wed Jun 11, 2008 10:39 am 

Replies: 4
Views: 3049


There are a couple of places you could go to discover good investing blogs:

* http://pfblogs.org/inv/
* http://www.pfbuzz.com/published/newest/Investing
* http://www.feedthebull.com/
* http://www.bizzlo.com/

 Forum: Personal Finance   Topic: How to time markets on stocks

Posted: Wed Jun 11, 2008 10:33 am 

Replies: 15
Views: 6503


Yeah, I second quit day trading. You'll sleep way better at night. :)

 Forum: Personal Finance   Topic: Where to best allocate an extra 300/month?

Posted: Wed Jun 11, 2008 10:31 am 

Replies: 12
Views: 4749


Good discussion. I'd say what ever your highest interest debt first -- be it the mortgage, car loan, student loan, or credit card debt. I'll be even so aggressive to dip into your emergency fund to pay of high interest debt. You could always use the credit card in case of a true emergency <-- some p...

 Forum: Personal Finance   Topic: mortgage interest deduction and capital gains tax

Posted: Mon Dec 03, 2007 1:20 pm 

Replies: 5
Views: 3139


To clarify. If your investment is higher than when you bought it, you should wait a year and 1 day before you sell to take advantage of long-term capital gains tax at 15%; otherwise, you have to pay short-term rate at your tax bracket. If your investment lost some value, you can sell it to use the l...

 Forum: Personal Finance   Topic: Did your Net Worth increase for November?

Posted: Mon Dec 03, 2007 1:17 pm 

Replies: 25
Views: 9748


Mine went down a bit, -0.39%. Since the majority of my net worth is proportionately more than my monthly contribution, it was inevitable for me to go down.

 Forum: Personal Finance   Topic: When is it worth it to refinance?

Posted: Mon Dec 03, 2007 1:16 pm 

Replies: 5
Views: 3577


There's a lot of debates around the issue of rent vs buy, prepay vs invest, refinance or not. It's very hard to give advice without fully understanding the individual situation. I have done some calculation myself and thought I could have done better if I kept my 30-yr 6.25% mortgage, instead of ref...

 Forum: General Discussion   Topic: website ads

Posted: Fri Nov 23, 2007 7:49 am 

Replies: 20
Views: 10164


You could also put up an "Advertise" page on your web site. This shows that you are looking for advertisers, and if you feel comfortable, you can show the type of ads, the placement, and/or price

 Forum: Personal Finance   Topic: Homeowners insurance suggestions for the new home buyer?

Posted: Thu Nov 08, 2007 2:39 pm 

Replies: 10
Views: 5922


From some one who just cut his insurance bill by $500, I say forget the online tool and call. Agents are competing for your business. My Allstate bill was up to $1,600 and I called Liberty Mutual and State Farm. I was going to go with State Farm at about $200 cheaper until my friend encourage me to ...
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