Personal Finance 

PFBlogger Spotlight: Pinyo of Moolanomy

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This edition of PFBlogger Spotlight takes a look at one of the most enterprising personal finance bloggers out there, Pinyo of Moolanomy. In addition to running a popular personal finance blog, Pinyo works hard at putting together a social media site focused on personal finance, PFBuzz, as well as a bustling forum, carnival, network, and other blogs! I have no idea where he finds the time but he does and does it well.

I had a chance, earlier this year, to interview Pinyo and for the series.

jim: Hi Pinyo, could you tell us a little about yourself?
Pinyo: First, thank you for the opportunity for this interview. I am a 34 years old Asian American. I have been in the U.S. since I was 11 years old — so I have seen and lived in two completely different cultures. As far as family goes, I have been married for about 3 years now and my wife just gave birth this past December to an awesome little baby boy.

I lived in New York City ever since I moved to the U.S. and I own a small house in Jackson Heights. Currently, I work full-time for a big corporation (which shall remain nameless) as an IT project team manager in Brooklyn, NY.

jim: What motivated you to begin blogging and how long have you been doing it?
Pinyo: I started Moolanomy in July of last year — this is not my first time on the Web though. I have been doing web-based application development for about 10 years, and managed several web sites in the past. As for why I started Moolanomy, I always have been fascinated by the subject of money, particularly wealth building since I was young. Anticipating that my wife would stop working after she gave birth, I decided to start a blog about personal finance and investing. My three basic goals were to learn more about money management, to write better, and to replace some of the lost income.
jim: What makes your perspective unique?
Pinyo: That’s a tough question to answer since there are so many bloggers on the Web; it’s hard to be unique. For me, I like to explain things with pictures and diagrams, as well as play around with numbers. I have been told that some of my graphics are great at explaining various financial concepts. For example, this one from “What Difference Does A Decade Make?” got some good feedback:
Decade difference

The graph basically shows that A accumulated $1.2 million more than B because he started saving and investing 10 years earlier. That’s a huge impact considering the difference in total contribution is only $82,000.

jim: How did you come up with the name for your blog?
Pinyo: It is hard to come up with decent blog name nowadays, but it’s possible. I was trying to find variations of words like “money,” “finance,” or “investing,” and have that be part of my blog name. I also noticed the trend toward making up words that doesn’t exist — i.e., Wikipedia, Wikimedia, Froogle, etc. — but the made up words are still meaningful.

I am embarrassed to say what’s the original name of Moolanomy was, but let’s say that I spent a lot of time finding the right domain name. I am quite happy that I ended up with the name Moolanomy.

If you don’t get what the name meant, think Astronomy or Taxonomy — that’s why my tag line is “The Science of Money.”

jim: What’s something no one else in the blogging world knows about you?
Pinyo: If I tell, you then it would be a secret anymore would it? However, I will let you in on a little side project that I started with the help of the M-network members. I have been floating around the idea of starting a second blog for a while now, moreover, Glblguy has proposed in the past that we start a group meta-blog — so in late January, I decided to start Blogthority.

As a group, we hope to share our experience on blogging with the rest of the world. We are gearing this site toward beginners, so that information will be easy to understand and actionable. If any of Blueprint readers are interested in starting a blog, I’d like to invite them to come over and have a look around.

jim: What are your favorite personal finance books?
Pinyo: I haven’t read as many books as some of the other personal finance bloggers, so my selections are somewhat limited. Out of the personal books that I’ve read so far, these are the three I enjoyed the most:

jim: What posts on your blog should all visitors read?
Pinyo: One thing I dislike about the way blog works is that it’s not as structured as it could be for someone that’s more comfortable reading something in an organized manner from the beginning to the end. To alleviate this, I am in the process of writing a big blog post that will organize my other posts in such a way that you can read it like a book. In fact, I will probably turn it into an eBook when it’s all done.

For now, I suggest that you start with my about me page, and peruse my archives to see what piques your interest since I do write on a wide variety of finance topics.

jim: What’s the best financial decision you’ve ever made?
Pinyo: I don’t know if these are decisions per se. Sometimes, it feels like luck was a big factor. In any case, some of my best decisions include:

  • Bought a home in 1998 before home prices skyrocketed,
  • Paid off my student loans and other debt early, and
  • Started my retirement savings early
jim: What’s the biggest financial “mistake” you’ve ever made? (or regret you have)
Pinyo: I wrote about this in my post, “My Best and Worst Financial Decisions,” but the one that top those all must be not learning about good money management concepts early enough. Otherwise, I wouldn’t have made the three mistakes I shared in that post.
jim: What is your favorite personal finance blog and why?
Pinyo: It’s hard to say since I don’t read any particular personal finance blog regularly. Most of the time, I am all over the place. I use Google Readers as my personal search engine and I currently subscribe to about 140 personal finance blogs. Whenever I want to write about a topic or want to look something up, I use it to search other blogs and read what I want that way. Also, I will also occasionally peruse and read stuff in the popular section.
jim: What do you hope to accomplish in the next year?
Pinyo: As far as blogging goes, I would like to keep working on Moolanomy so that it becomes a more useful resource for everyone — for instance, my eBook project. I also enjoy working with members of the M-network and a handful of other personal finance bloggers; so I definitely would like to keep this group going and improve it as much as possible.

Moreover, I am experimenting with group blogging right now at Blogthority. And if that works out well, I may move Moolanomy toward group blog format with revenue sharing for the contributing authors.

jim: If your blog ended today, how would you like people to remember it?
Pinyo: That would be very sad. But if I suddenly decided to stop for whatever reason, I would like people to remember Moolanomy as a place where readers can come and find useful information with a refreshing perspective, and occasionally mind-opening graphics. As far as the M-network and friends go, I would like them to remember it as a place where they were able to come together, openly exchange ideas, and support each other.

Again, I would like to thank you for this wonderful opportunity for me to share my story with your readers.

I invite you to check out Moolanomy and please subscribe to the RSS feed, you won’t be disappointed! Also, do stop by PFBuzz for the latest in hot news around the pfblogosphere.

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One Response to “PFBlogger Spotlight: Pinyo of Moolanomy”

  1. Pinyo says:

    Jim, thank you for the spotlight. And Happy Thanksgiving!

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