Disqus - Latest Comments for Pinyo

Re: Early Morning Roundup: Old Maps

Pinyo — Wed, 19 Dec 2007 07:14:02 -0000

Hi Flexo, thank you for featuring Patrick's and my blog in your post. Re FSA, I am all out this year, but I will definitely need help next year since I bumped it up considerably.

Re: Giveaway: Free Sumo Lounge Omni Chair

Pinyo — Tue, 16 Oct 2007 12:54:19 -0000

I would love to get one of those for my wife who will soon give birth. Looks like it might be comfortable enough to sit or lay on.

If I win, please send the blonde along with the red lounge chair :-)

Re: I’ve Been Interviewed at Moolanomy

Pinyo — Fri, 05 Oct 2007 11:25:08 -0000

Flexo, thank you for sharing this with your readers.

Re: Guest Post: The Weak Dollar is Killing Americans’ Wealth

Pinyo — Thu, 04 Oct 2007 20:49:25 -0000

@Mark - thanks for that clarification -- it's a great point. I know we can't avoid it, but I wouldn't do my own forex trading. However, I am comfortable enough to invest in international stocks and funds, which I think is sufficient for someone at my level.

Re: Guest Post: The Weak Dollar is Killing Americans’ Wealth

Pinyo — Thu, 04 Oct 2007 11:55:00 -0000

Flexo - Thank you for the nice intro and nice touch with the photo. It was my pleasure to write a guest post for your blog.

Re: How Many Earths Would it Take to Sustain You?

Pinyo — Wed, 26 Sep 2007 09:03:42 -0000

I have a proposal. We all should stop eating to save the planet. :-D

Re: How Many Earths Would it Take to Sustain You?

Pinyo — Tue, 25 Sep 2007 14:30:15 -0000

Thanks for sharing the site. I am at 5.4. I think my daily commute, trips to visit my sister, and coffer/beer that killed me.

Re: Personal Balance Sheet, August 2007 ($107,488, +6.3%)

Pinyo — Mon, 03 Sep 2007 21:39:51 -0000

Congratulation on being in the +$100k category. $6,000 increase is a healthy pace. I am wondering why such a big amount in your checking?

PS: I love the pop-up image, how did you do that?

Re: Top Ten Used Cars Under $10,000

Pinyo — Tue, 07 Aug 2007 14:00:36 -0000

I think used American cars are the best value. I have a 98 Ford Contour that still runs just fine. Had to fix it a few times, but nothing expensive.

If I buy new, I like Japanese. Generally, I don't spend more than $25k on a car. I may be lowering that limit soon.

Re: Personal Balance Sheet, July 2007 ($102,011, +2.4%)

Pinyo — Wed, 01 Aug 2007 23:41:28 -0000

Flexo - a great big congratulation to you. Reaching $100,000 is a huge milestone. The next $100,000 will be easier. :-)

Re: Weekly Roundup, First Guests Edition

Pinyo — Fri, 27 Jul 2007 10:48:39 -0000

Flexo. Thank you for mentioning my post in your weekly roundup. It's is an honor to be mentioned in such an established and prestegious blog.

Re: Post Roundup: Some of My Favorites This Week

Pinyo — Mon, 03 Mar 2008 11:07:27 -0000

Welcome to the Money Hackers Network. I'm glad the network is part of your top 10 referrers.

Re: Dave Ramsey’s Baby Step Series at the M-Network

Pinyo — Thu, 06 Mar 2008 10:47:38 -0000

Thank you for sharing our group project with your readers.

Re: Money Hacks Carnival #6 - Famous Hackers Edition

Pinyo — Wed, 02 Apr 2008 09:38:01 -0000

Terrific job. Thank you for hosting the carnival

Re: I made a stupid money mistake this week.

Pinyo — Tue, 15 Apr 2008 18:52:33 -0000

I paid $50 fee for mutual fund sales (partial). My brokerage must have changed a few things during the merger.

Re: Please pray for my wife

Pinyo — Thu, 17 Apr 2008 12:06:36 -0000

That's so sad. I am praying for you.

Re: Guest Post: Concentrate On Savings

Pinyo — Fri, 18 Apr 2008 15:56:57 -0000

That's a very thought provoking example. I will have to do some math on this one.

Re: Bible Money Matters April 2008 Recap

Pinyo — Mon, 05 May 2008 21:57:30 -0000

Pete, I hope you and your wife will be able to return home soon.

Re: How much gas are you wasting?

Pinyo — Tue, 27 May 2008 10:59:12 -0000

I thought #4 saves gas...isn't that drafting? :-)

Great post!

Re: How to find cheap gas where you live

Pinyo — Sun, 01 Jun 2008 09:53:00 -0000

Good resources. I am definitely bookmarking this.

PS: I love your PS Buzz bookmarklet logo.

Re: Best of the blogosphere: Flowers in bloom roundup

Pinyo — Fri, 06 Jun 2008 09:33:13 -0000

Pete -- Thank you for mentioning PF Buzz. I also want to congratulate you on starting the Money Life Network. Looks like you have a great team, and I believe that your network will be very successful.

Re: Lies and Money: What are you keeping from your spouse?

Pinyo — Fri, 06 Jun 2008 14:46:09 -0000

Excellent. In our household, there is no secret. What's mine is hers and what hers is hers.

Re: Summer Savings Series #1: Food is a big expense. How can you save?

Pinyo — Mon, 09 Jun 2008 10:20:43 -0000

A lot of great tips here. Just by bringing lunch to work, I am saving about $35 a week. Also good suggestions on stop buying sodas and junk food.

Re: Summer Savings Series #11: Saving at the movies this summer

Pinyo — Mon, 23 Jun 2008 12:57:59 -0000

I haven't been to the movie theater for ages because it's so expensive. And we haven't rented a movie for a long time also. First we stopped going to the movie, then stopped going to Blockbuster, stopped buying used movies, canceled Netflix, downgraded to basic cable, and everything is fine so far. We saved a lot of money in the process.

Re: Kids & Money: Best Posts, 4 of 7 Affording College

Pinyo — Fri, 06 Jun 2008 14:49:53 -0000

Very true. I wrote something similar a while ago and spending the first 2 years in community college before transferring to a better school is definitely a good way to save money.

Re: 73rd Edition of the Festival of Stocks

Pinyo — Mon, 28 Jan 2008 11:50:11 -0000

Thank you for hosting the carnival and including my post about market volatility.

Re: your investments will return 6% annually, probably

Pinyo — Sat, 11 Aug 2007 12:50:46 -0000

Many people do use the 10-11% (I do myself) for investment discussion. You are right that these discussions typically do not include tax and inflation. And the post did a good job of raising the issue. However, I think the statement "after inflation they have practically no returns" is also an overstatement. Based on the inflation calculator: http://inflationdata.com/inflation/Inflation_Ra...

The inflation rate between 1926 and 1999 is about 818% (i.e., a $1 in 1926 worth $9.18 in 1999). On the other hand, a 10% annualized return $1 invested in 1926 would be worth $1,150 in 1999. They are hardly comparable.

Also, many people now invest in Roth IRA and 401k, essentially allow them to avoid tax on gain which helps even further.

Re: linklings: hunk of burning blogging edition

Pinyo — Sat, 11 Aug 2007 12:53:05 -0000

Hey, thanks for the link (I got no trackback so you might want to ping me again).

I guess you were in the other extreme spending a lot of time with your fraternity. You are right, there's so many things to do while you are in college young people should not overly focus on one thing -- they will miss out a lot.

Re: linklings: hunk of burning blogging edition

Pinyo — Sun, 12 Aug 2007 23:05:46 -0000

Amen to that.

Re: your investments will return 6% annually, probably

Pinyo — Sun, 12 Aug 2007 23:09:50 -0000

Agreed, fees are very evil and can really rob you of 50% or more of you potential investment. I wrote about this not long ago.

Yes, you bring up a valid point about taxation policies. It is as imaginary as our currency -- i.e., our money is only as good as the stability of this government since it is no longer backed by gold.

Re: blog action day

Pinyo — Sat, 18 Aug 2007 09:38:41 -0000

I just register my blog and ask my network members to do the same. I think this will be awesome. I look forward to see your post!

Re: my one money advice (MOMA)

Pinyo — Thu, 23 Aug 2007 09:19:10 -0000

Great. It's is scary to see even 3-4 years old develop such strong WANTS from what they've seen on TV. We are definitely brainwashed (in a way) to be the perfect consumers. It's even patriotic to be a consumer since you create job. Thank you for your help with the MOMA meme.

Re: second big book giveaway!

Pinyo — Mon, 27 Aug 2007 23:23:04 -0000

I haven't read the book yet, but I am still working through "Your Money or Your Life". I think this giveaway is a great idea, and good luck to the winner.

Re: brilliant to-do hacks

Pinyo — Thu, 30 Aug 2007 11:45:00 -0000

I am not as advanced as you, but I do carry around a notebook. It is very handy when I need to remember to do something, or capture an idea that I may forget.

Re: raises - are they for suckers?

Pinyo — Tue, 04 Sep 2007 17:07:02 -0000

A steady job may not be the fast train to wealth, but you can do it. Although, I do agree that people should really not settle, and continually look for ways to improve their career/income.

Re: midweek linkfest

Pinyo — Thu, 06 Sep 2007 07:18:16 -0000

Sounds like you are making good progress. Congratulation.

Re: Discover as the Most Forgiving Credit Card

Pinyo — Wed, 01 Jul 2009 12:40:28 -0000

Definitely agree with the result. I've been with Discover since 1999 and I think it's the best. I'll give the worst award to Chase.

Re: Weekend Reading: Blog Roundup

Pinyo — Sun, 13 Jul 2008 11:34:37 -0000

Flexo, thank you for sharing my vacation wrap up with your readers. It was a lot of fun and I hope everyone will enjoy reading the article.

Re: Carnival of Personal Finance #157: Third Anniversary Edition

Pinyo — Mon, 16 Jun 2008 12:36:47 -0000

Flexo - Congratulation on 3 years anniversary. It's a great accomplishment and CoPF is a great place for bloggers to connect.

Also, thank you for selecting my Financial IQ test as one of your editor's choice!

Re: Passive Income: Real Estate? Blogging? I Don’t Think So

Pinyo — Wed, 04 Jun 2008 11:55:53 -0000

I agree that blogging must be the worst form of passive income. I put in a lot of work to get where I am at. However, I think it's an excellent form of alternative income.

Re: Festival of Frugality #119: The Quitting My Day Job to Blog Full Time Edition

Pinyo — Tue, 01 Apr 2008 10:56:43 -0000

I hope that's not an April Fools' joke. Congratulation on taking the big leap. I won't be able to do that for a while since my alternative income is less than 10% of my salaried income right now.

Re: Hedging Bets on Blu-Ray But Still Disappointed (and Blog Roundup)

Pinyo — Thu, 17 Jan 2008 12:24:03 -0000

Flexo, thank you for sharing my article with your readers.

I fully expect that my son will attend college; otherwise, we are going to have some serious talk. I think college will be the new high school in two decades.

I am not too worry about the withdrawal penalty because I can transfer it to my grandchildren if necessary.

Now, if he doesn't go to college and decide to not have a child, then I am screwed. :-)

Re: Flexo’s Financial Goals and Resolutions for 2008

Pinyo — Tue, 01 Jan 2008 09:13:40 -0000

Flexo, these are some really wonderful goals; especially, the charitable contribution and alternative income (wow). Good luck in 2008.

Re: linkling: hands across the blogosphere edition

Pinyo — Sat, 08 Sep 2007 16:58:02 -0000

I read posts from A Penny Closer and Financial Dominance. I agree, these are good posts.

Re: linkling end of the earth edition

Pinyo — Sat, 22 Sep 2007 11:08:17 -0000

Brip Blap, that's a great story about Russia ... reminds me of the Klingon empire and its culture :-)

I don't have some of these fine bloggers on my feed reader. Thanks for pointing them out.

Re: ah, the linklings… smells like victory edition

Pinyo — Sat, 29 Sep 2007 16:21:06 -0000

Brip Blap...thank you for featuring my post. Have fun with your clan, because I am with mine right now. :-)

Re: today is better than the day before

Pinyo — Mon, 01 Oct 2007 09:17:51 -0000

Excellent list. Thank you for sharing.

Re: linklings - Friday, October 5, 2007

Pinyo — Fri, 05 Oct 2007 07:29:12 -0000

I am with Plonkee, it would make a great blogging tips post. Now, thank you for citing my post and naming me one of your favorite writer. That's a great honor!

Pinyo's last blog post..Interview with Flexo of Consumerism Commentary

Re: linklings - Friday, October 5, 2007

Pinyo — Fri, 05 Oct 2007 07:33:15 -0000

How did you do that last blog post thing? Feel like I am being stalked :-D

Pinyo's last blog post..Interview with Flexo of Consumerism Commentary

Re: staying put in a rocky market

Pinyo — Sun, 07 Oct 2007 09:25:04 -0000

This is a great post that touches all the events in the past few months. I am sorry to break this bad news to you, but after factoring in the decline in the value of the U.S. dollar, you're probably less wealthy despite the recent stock market rise.

Pinyo's last blog post..Interview with Flexo of Consumerism Commentary

Re: carnivals, guest posts and links

Pinyo — Mon, 22 Oct 2007 20:51:57 -0000

I love Skellie's review. She was very thorough when she made recommendation for my blog. Good luck with the changes.

PS: Your blog always look great, so don't worry about design too much.

Re: public declaration

Pinyo — Sat, 27 Oct 2007 21:00:43 -0000

I will surely respond to the challenge, but I'll have to give it some thought. :-)

Re: “the tool of the future” linklings

Pinyo — Wed, 21 Nov 2007 08:19:57 -0000

Congratulation on being picked up by Smart Spending. Every time I come here, the blog grow by another inch. That reminds me, I still owe you the public declaration. I think I finally know what I am going to write.

And thank you for the outstanding endorsement of Moolanomy!

Re: black friday links

Pinyo — Fri, 23 Nov 2007 12:10:32 -0000

Brip Blap, congratulation, that's huge that Penelope featured your blog in one of her article. And thank you for highlighting the Carnival of Personal Finance.

Re: massive link roundup, post-turkey edition

Pinyo — Wed, 28 Nov 2007 09:37:59 -0000

Steve, thank you for highlighting my post and the contest.

Re: linklings: Odin’s Day Part II: Ragnarok Strikes Back

Pinyo — Fri, 07 Dec 2007 13:45:26 -0000

Thank you for mentioning my post. Now we need to get together and brainstorm on how to make money. ;-)

Re: linklings, the leap year conspiracy edition

Pinyo — Sat, 05 Jan 2008 13:19:50 -0000

Steve, I did place your post up there intentionally -- I liked it a lot.

Re: follow the white rabbit to financial freedom

Pinyo — Thu, 10 Jan 2008 12:43:20 -0000

Wow. That's an awesome post. Phenomenal.

Re: lazy equals poor

Pinyo — Wed, 16 Jan 2008 12:12:49 -0000

"All lazy people are poor. Not all poor people are lazy" -- good clarification there.

Re: The Carnival of Peer-to-Peer Lending: 2nd edition

Pinyo — Sun, 20 Jan 2008 09:26:50 -0000

Thank you for hosting. This carnival is becoming a very good source of P2P lending information. Great job!

Re: February roundup

Pinyo — Tue, 04 Mar 2008 09:06:45 -0000

I am glad to be part of your success. I always enjoy reading your articles -- they are more deep thought/philosophical than typical articles in the PF blogosphere.

And congratulation on passing the 100,000 and 200,000 mark.

Re: linklings, economic end game edition

Pinyo — Tue, 18 Mar 2008 09:21:33 -0000

Yeah, the economy looks really bad right now. It's incredible that a company that just built their brand new high rise in midtown Manhattan not long ago is being sold for $2 a share.

I also don't like the fact that the dollars is going down the drain.

Do you have any thought on what to do to protect wealth in this situation?

Re: March Mathematics Madness!

Pinyo — Tue, 01 Apr 2008 12:13:28 -0000

I have no idea what you are talking about in the first two paragraphs, but I am very happy to be associated with you and Brip Blap. Great conent and I wish you the best in the second quarter.

Re: linklings, dawn of the problogging empire

Pinyo — Sun, 27 Apr 2008 08:58:00 -0000

Best of luck with pro-blogging. It certainly comes at the right time. Congratulation.

Re: short term, long term

Pinyo — Wed, 28 May 2008 12:49:22 -0000

I think what you did was absolutely right and wonderful. The blog will always be here. You're money won't grow or go away if you don't watch it for a few days.

But time with your family is something that you can never get back, or redo...once it's gone, it's gone.

Re: more or less a one year anniversary

Pinyo — Fri, 11 Jul 2008 00:18:59 -0000

Congratulation on reaching your anniversary. I think you're a great writer and I am glad to be associated with you and Brip Blap.

Re: linklings, shock the monkey edition

Pinyo — Sun, 13 Jul 2008 21:58:24 -0000

Steve, thanks for the link. The post will be re-published tomorrow. It was scheduled during my vacation and it wasn't quite ready...a blooper. :oops:

Re: linklings, shock the monkey edition

Pinyo — Sun, 13 Jul 2008 23:45:47 -0000

Thank you Steve

Re: linklings, internetless edition

Pinyo — Mon, 21 Jul 2008 09:16:15 -0000

Thank you. :-)

Re: under pressure

Pinyo — Tue, 09 Sep 2008 13:20:39 -0000

I agree with ToughMoneyLove -- Get off the net and you'll feel better much quicker. :-)

Re: linklings, glorious communism! edition

Pinyo — Sat, 20 Sep 2008 14:29:22 -0000

Thank you for sharing my article. :-)

I don't like the idea of these bail outs either; especially because some people got greedy and made money off the "easy credit" and now we are left holding bag.

Regarding bad mortgage issue, I know that it's both lenders and borrowers fault that led us to this mess. But, if I am the authority who's bailing out these banks, I wouldn't hessitate forcing them to re-write some of the bad mortgages/loans so that there will be less default (i.e, converting adjustable and interest only mortgages to something reasonable, may be a fix at 1% higher than normal fix rate [yes, the banks will have less profit and the borrowers will have to pay for it too]). I don't see anything wrong with forcing the banks to take less profit for the good of the economy at this point.

Re: sad news

Pinyo — Tue, 02 Dec 2008 10:56:03 -0000

That's very sad indeed.

Re: under new management

Pinyo — Tue, 20 Jan 2009 10:17:32 -0000

You scared me. I thought you sold Brip Blap. :-P

Re: contracting, freelancing and linklings

Pinyo — Sat, 24 Jan 2009 10:34:44 -0000

Thank you for the kind words about me. :-)

Re: Money Hacks Carnival - Presidential Edition!

Pinyo — Wed, 21 Jan 2009 14:49:38 -0000

Great job David. Wow. This one is huge.

Re: Carnival of Twenty Something Finances - Mustache Edition!

Pinyo — Mon, 23 Mar 2009 10:34:12 -0000

Thank you for choosing my article as the editor's pick. This is a great carnival. Good job.

Re: Blog Design & Spring Cleaning

Pinyo — Thu, 06 Sep 2007 19:39:25 -0000

Thank you. This is an excellent post. I am going to favorite this post and refer back to it often.

Re: Over 40% in under 6 months!

Pinyo — Sat, 03 Nov 2007 23:00:56 -0000

That's awesome. I don't know if I have the gut to invest like that. My way is slow and steady using low expense ETFs & Mutual Funds, Asset Allocation, and yearly reallocation. A bit boring, but it allowed me to beat the S&P500 for the past 6, almost 7 years.