Manage Your Means has a new home!

Hey everyone!

Manage your means now has its own dedicated site, new and improved!

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– Sam


Learn to Invest in Value Stocks, Not Low Ones

Roller Coaster

Hi everyone!

Welcome to this week’s edition of Stock Market Saturdays (SMS). Today, I want to talk about value investing. The thinking behind value investing is just what it seems on the surface – buy stocks that are undervalued, so that when their true value is realized the price will increase and you’ll make a profit.

“It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.”

– Warren Buffett

Warren Buffett is one of the most renowned investors around, and most of his investments are based on fundamental value investing principles. So, how do you identify whether a stock is a “good value” or if it’s just a low price because it’s junk?

Continue reading

12 Tax Credits to Consider in 2015

In our house, tax season is a mixed bag. On the one hand, we’re joyfully dreaming with refund dollars dancing in our heads along with planning how we’ll spend them. On the other hand, we stress about making sure we’ve got our financial house in order and work with frantic haste to submit the paperwork on time. April 15th passes as quickly as it came, and soon the refund check is nowhere to found. Continue reading

8 Critical Tips to Create Your Christmas Savings Plan

There are plenty of reasons to enjoy the holiday season of Christmas – the music, the lights, the spirit of giving, hot cocoa with mini marshmallows, ginger bread cookies… need I go on? But, nobody enjoys footing the bill. Christmas should be time spent relaxed with family and people you care about. It’s a lot more challenging to do the relaxed part when you’re worried about the debt you have from buying presents you can’t afford. Learn how to shop smart and save well, so you can enjoy the holiday season. Continue reading

How My Dog Cost Me Two Appendages in Year One

Finley as a PuppyOkay, fine – it wasn’t actual arms or legs that were lost. My family added a half-corgi, half-border collie named Finley to our family a little over a year ago. Truth be told, if we could go back knowing what we know now, we probably would have thought twice before signing on the dotted line. But, he’s a member of our family now and we’re glad we have him. If you’re thinking about getting a cat, dog, fish, ferret (yuck), goat, llama or any other animal, discover the real cost behind pet ownership before you commit. Continue reading

Snowball or Avalanche – Which is Right for You?

When you’re in debt without a plan to get out, trying to see the light at the end of the tunnel can be as hopeless as Lance Armstrong becoming a legitimate athlete again. It ain’t gonna happen.

You should never want to Continue reading

Equity – Exploring Investment Options

Understanding how to invest your greenbacks wisely begins with understanding where you can put your money. How can you begin to choose where to put your money until you know what’s out there? This article will briefly go into the common types of equity that exist, to help you decide where to invest.

What is Equity? Continue reading

Your 401(k) Is Not Enough

Don’t rely on wishing and hoping your finances will magically be where they need to be for you to retire comfortably. Some easy planning now can prevent stress in the future. Continue reading

Traditional or Roth? – IRAs Explained

The difference between choosing to invest in a Traditional IRA over a Roth IRA could be tens of thousands of dollars over the course of your investing career. There are pros and cons to both, and choosing the correct one depends on your circumstances now as well as your circumstances at retirement age. Continue reading