Entertainment on a Dime: How to Enjoy a Date Night Without Breaking the Bank

January 30, 2023 by Frugal Prof

Entertainment on a Dime: How to Enjoy a Date Night Without Breaking the Bank

Dating can be an exciting and enjoyable experience, but it can also be expensive.

Between dinner, drinks, and activities, the cost can add up quickly.

However, there are ways to save on entertainment and still have a great time on your date.

Here are some tips to help you do just that:

Plan a picnic: Instead of going out to eat, plan a picnic in a park or beach. Pack a basket with sandwiches, fruits, and drinks, and enjoy a romantic meal while taking in the natural surroundings.

Take a hike: Going for a hike is a great way to enjoy nature and each other’s company. Many parks and nature trails offer beautiful views and are free to visit.

Have a movie night at home: Renting a movie or streaming one on Netflix can be a great way to spend an evening. Make some popcorn and enjoy a cozy night in.

Try a new hobby: Take a cooking class, learn to dance, or take a pottery class together. Not only will you learn something new, but you’ll also be creating lasting memories.

Volunteer together: Giving back to your community can be a great way to bond and have fun. Find a local charity or non-profit organization that aligns with your interests and volunteer together.

By being creative and thinking outside of the box, you can save on entertainment and still have a great time on your date. Remember, the most important thing is to spend quality time together and enjoy each other’s company.

Focus Group Cash Saved Me.

Learn more Here

Saving on a Budget: Free Services to Help You Reach Your Financial Goals

January 30, 2023 by Frugal Prof

Free and Fabulous: Services to Help You Save More Money

Saving money can be a daunting task, especially when you’re on a tight budget.

However, there are many free services available that can help you reach your financial goals.

Here are a few to consider:

Budgeting apps: There are many budgeting apps available that can help you track your expenses and create a budget. Some popular options include Mint, PocketGuard, and You Need a Budget.

Saving apps: There are also apps that can help you save money automatically. For example, Qapital, Digit, and Acorns round up your purchases and transfer the spare change to a savings account.

Investment apps: If you want to start investing, there are apps that offer commission-free trading. Robinhood, for example, allows you to invest in stocks, options, and cryptocurrency with no trading fees.

Credit monitoring: Services like Credit Karma, Credit Sesame, and Quizzle offer free credit monitoring, which can alert you to potential fraudulent activity and help you keep track of your credit score.

Online resources: Websites like Dave Ramsey, Suze Orman, and SmartAsset offer free financial resources such as articles, calculators, and tools to help you manage your money better.

By utilizing these free services, you can take control of your finances and boost your savings. Remember, small steps can lead to big changes. Start by setting a savings goal and tracking your progress, and you’ll be on your way to achieving your financial goals

Focus Group Cash Saved Me.

Learn more Here

3 of My Best Picks from Last Year were +30% or more – 2022 Recap and a Look Ahead

January 5, 2023 by Frugal Prof

Legal Disclaimer:

Legal Disclaimer: The Author is not a registered investment advisor. Investing involves risk. Financial information provided is believed to be accurate but we are not responsible for inaccuracies. I may own these securities for myself or in accounts that I manage. Past performance is no guarantee of future returns.

2022 was a bad year. I’m not gonna sugar coat it. It was tedious and frustrating

S&P 500 was down 18%.

The Nasdaq was down 32%.

Rally attempts were met at resistance and we never got any momentum going in a positive direction.

Nothing has changed. So, we must be patient for a confirmed uptrend to emerge.

Here are some of my recommendations that did well. I only recommended stocks during uptrends, so most of these ideas came in June.

Celsius Holdings-

$ CELH @ $78.71 +32% This is a name I am still focused on – great growth and potential to be a big winner when this Bear Market ends. See above

June 11:

$ IMXI at $22.51 +10% A name I ‘m still watching and has the potential to be a big winner in the next Bull Market.

$ CELH @ $78.71 +32% This is a name I am still focused on – great growth and potential to be a big winner when this Bear Market ends. See above

Academy Sports: $ ASO

June 9th:

Academy Sports $ ASO at $37.06 – was a great growth and value name. +41%

Solid winner. New Issue with room to run. Could be a Big Winner in a New Bull Market.

Focus Group Cash Saved Me.

Learn more Here

Dicks sporting Goods $ DKS $97.34 now $120.29 +19%

Merck:

Recommended in June at $91.07

All time high and the perfect safe, stable name institutions wanted in a year like 2022.

Not exciting but a solid winner. +21%

Losers / Disappointments:

In a year where the S&P was down 18% and the Nasdaq was down 33%, there were bound to be stocks that didnt perform well.

Phillip Morris: Looked Good Until the Biden Administration banned their JUUL a product. Lost 17% overnight – with a 6% yield – it still outperformed the market but was a disappointment.

Vaalco Energy: $ EGY Announced a merger and lost 30%. This company and its merger partner Transglobe $ TGA are still very undervalued and will look to buy if it resumes an uptrend.

Big Five: $ BGFV Still watching and incredibly undervalued but rolled over and is now in a serious downtrend. Solid Cashflow, buybacks, and yield. Yet down 30%. This is why I use stop losses at 7-10%. Because undervalued stocks can get much more undervalued.

Where do we go from here?

All of the indexes are in a downtrend. I’m working on two new watch lists (growth and value). But until we see a new uptrend with volume, we have to be patient.

My goal is to keep publishing free content but create so much value for you that you will think a Paid Subscription is a Great Value.

As you can see, many of my stock picks were outstannding performers and could have made you money last year. I expect more of the same this year, especially if we enter a Bull Market.

Happy New Year

Big Money From Focus Groups Saved Me

January 2, 2023 by Frugal Prof

Big Money From Focus Groups Saved Me

I know what it’s like to struggle financially.

A few years ago, I had started a business and was struggling to pay my bills.

I was embarrassed and I couldn’t afford to attend a friend’s wedding.
That’s when my friend Jennifer told me about focus groups.

I was skeptical but I had nothing to lose.

It Turns Out- she was right.

Once she showed me how to join this secretive world of high paying focus groups,
I began making consistent money.

I made $125 for a beer study.
Then $150 for a tequila study.

Once the calls and e-mails started they never stopped!!
And the Cash Hasn’t Stopped Ever Since!

Tonight and every night this week people will be attending Paid Focus Groups, In person and Online, where each participant
will receive between $125 – $350 in CASH, Paypal, or GiftCard

Every single night there are thousands of focus groups paying people just like you for their opinions on products you use everyday.

Imagine how different your life would be if you were receiving an extra $200 a few nights per week.

One Focus Group a week would be an additional $800 per month.

This is Extra money for you.
And For your family.

Imagine how your life would be better if you had an extra $800 a month.

What could be possible with a new income stream like that.
More family dinners at restaurants.

You could afford a trip for the Holidays.
You would be able to pay down debt. Or help out a family member in need.
You could save for retirement or kids college.
You could be able to upgrade your car or house.

Maybe you could just splurge on yourself or your loved ones.
Think of the possibilities this type of extra cash could create for you and your family.

And here’s the great news.

There is even more money being made in Focus groups due to the Covid Epidemic.

These Companies learned they could save money by hosting these events online. It used to be that you needed to live near a big city to attend, but not anymore.

Now there are even more chances to make money than ever before.

It doesn’t matter where you live!

This book is going to give you access to all of the most legitimate, highest paying focus groups.

You can’t find these on Craigslist. These companies don’t need to advertise because they have more than enough people willing to get paid $175 to $350 to share their opinion on common products.

Imagine what it would be like to have an extra stream of income from now on.

Imagine how good it would feel to have multiple payments of $150, $175, and $250 flowing into your bank account on a monthly basis.

It would feel amazing.

What would you do with that extra money? More nights out at restaurants? More trips? More shopping for things you deserve? Give more to charity? Help out family members? Pay off debt? Save for retirement? Or even retire early?
Once you enter this secret world, extra income is always available to you.

I’m going to show you exactly what to do and how it works.

You’ll begin receiving emails from focus group companies within days of signing up.

“I made $375 and I’m only in my second month! I really needed something like this! Thank you”
-Sarah Long, Rochester, MN

But it gets even Better!

These focus groups pay between $125 – $500 but the real payment to you is Even Higher.
Why? Because you don’t have to pay taxes on these incentive payments.
So, when you get paid $175 it’s really like getting paid $224 in after tax money.
Put another way, You would need to get paid $224 at a job to receive the same $175 payment!

And it gets even Better

10% of the time you get paid without even attending the focus group!

That’s right they pay you $175 for being available for the focus group but they don’t need you. In order to make sure they have enough people for the group they overbook by 10%. And they tell you thank you for agreeing to participate but we don’t need you BUT THEY STILL PAY YOU $175!!

How much could a Book Like This be worth to YOU?
If you do just one Focus Group per week at $150 per sessions, that would be an Extra $600 per month.

Over the course of a Year, that would be an EXTRA $7,200!
And over the course of a decade, that would be an extra $72,000

Now, in order to achieve the best results for those people that are serious, I have limited this offer to 500 Copies.

ONCE they’re gone, They’re GONE.
So you must act quickly to begin earning!

This opportunity exists right now for you to create a way to earn extra income for yourself and your family.

The opportunity to earn Extra income and change your life is here RIGHT NOW.
But nothing will change unless you are able to Take Action.

Order Your Copy Below And Begin Earning

BUY NOW!

As a special Bonus to my subscribers, I have enable a Pay what you want feature. The Cost of the Book is $18, but you can pay as much as you are able to pay. Its on the honor system.

Happy Holidays!

Four Ridiculously Undervalued Stocks For June 2021

June 16, 2021 by Frugal Prof

Four Ridiculously Undervalued Stocks

For June 2021

Subscribe to my Investment Letter called Value Gems Here

About Value Gems:

I’ve been a professional money manager for 30 years. I wrote a very popular column for an investing platform called Seeking Alpha.

As you may know, I had more than 2,500 followers and had some extremely profitable recommendations.

Now, it’s time for a new venture.

My goal is to deliver value added content that will make you a lot of money.

Subscribe to Value Gems Here

Thank you for your support.

`Legal Disclaimer: The FrugalProf is not a registered investment advisor. Investing involves risk. Financial information provided is believed to be accurate but we are not responsible for inaccuracies. I may own these securities for myself or in accounts that I manage. Past performance is no guarantee of future returns.`

Previous Recommendations:

Recommendations from 4/2 Edition of Value Gems: Full Details Here

$WW Weight Watchers: +14.95%

$MDP Meredith: +26.2%

$DGX: Quest Diagnostic: -.009%

$DLX: Deluxe Corp +9.02%

$VGR: Vector Group +1.62%

Brief Overview of Value Investing:

Value investing is about minimizing risk.

Ben Graham created value investing because of his painful experiences losing money in the Great Depression.

Graham’s losses in the 1929 crash led him to hone his investment techniques. These techniques sought to profit in stocks while minimizing downside risk.

Graham also stressed the importance of always having a margin of safety in one’s investments. This meant only buying into a stock at a price that is well below a conservative valuation of the business.

Recommendations for 6/4:

Biodelivery Systems: $BDSI: $3.62

BioDelivery Sciences International, Inc. is a specialty pharmaceutical company. The Company develops and commercializes, either on its own or in partnerships with third parties, applications of approved therapeutics to address unmet medical needs using drug delivery technologies. The Company develops pharmaceutical products aimed principally in the areas of pain management and addiction.

Earnings:

2021: .24

2022: .52

Why it’s attractive:

Incredibly high ROE (Return on Equity) above 27%. It’s also an asset rich company with a current ratio above 3. Benjamin Graham looked for companies with a current ratio above 2. And earnings are expected to jump 50% next year.

Diebold: $DBD $14.16

Diebold Nixdorf, Incorporated provides connected commerce services. The Company offers connected commerce solutions to financial and retail industries. The Company enables to automate, digitize and transform the banking and shopping. The Company’s segments include Banking and Retail. The Banking portfolio of products consists of cash recyclers and dispensers, intelligent deposit terminals, teller automation and kiosk technologies.

Earnings:

2021: $ 1.97

2022: $2.30

Why its attractive: The stock is around $14, which is the same level it was at three years ago. The p/e is at the low end of it’s 5 year range (10). Cash rich company trading at nearly 4x cash flow. Too cheap to stay down here.

A move above $17 would be very bullish technically

FootLocker: $FL $62.37

Foot Locker, Inc. is a retailer of shoes and apparel. The Company operates through two segments: Athletic Stores and Direct-to-Customers. The Company is an athletic footwear and apparel retailer, which include businesses, such as include Foot Locker, Kids Foot Locker, Lady Foot Locker, Champs Sports, Footaction, Runners Point, Sidestep and SIX:02.

6/3 PRICE: $62.37

Earnings:

2021: $5.49

2022: $5.66

Why Its Attractive: The stock has made very little progress over the last five years, yet earnings are up nearly 50%. Some of their competitors are now bankrupt. Low p/e of 11 near the low end of the 5 year range plus double digit return on equity.
New highs above 80 would be very bullish.

GET THE FOURTH RECOMMENDATION BY SUBSCRIBING TO THE PREMIUM EDITION OF VALUE GEMS.

Subscribe and become a Premium Member to get access to ALL undervalued stock recommendations, special reports, and features.

How much would you pay for an experienced portfolio manager to filter the market of thousands of stocks and find the undervalued hidden gems?

My aim is to deliver solid content that makes you money. I hope you’ll consider subscribing.

The first 100 Paid Subscribers get a 25% discount.

Best,

The Frugal Prof

Value and Growth Managers Agree – These two stocks are worth buying Now

June 9, 2021 by Frugal Prof

Value and Growth Managers Agree – These two stocks are worth buying Now

How often do Value Managers and Growth Investors agree on a stock? Almost Never.

Which is why I was surprised when I realized a couple of value stocks that hit my radar were also being purchased by Growth managers.

`Legal Disclaimer: The FrugalProf is not a registered investment advisor. Investing involves risk. Financial information provided is believed to be accurate but we are not responsible for inaccuracies. I may own these securities for myself or in accounts that I manage. Past performance is no guarantee of future returns. Some links provided may be affiliate links and the author may receive a small commission but the reader pays nothing.`

Both of these stocks have terrific growth but also low price to earnings (p/e) ratios and high return on equity. I’m sure you realize how rare that combination is in an expensive market like this one.

So here they are.

Academy Sports Outdoors: $ASO – $37.06

Academy Sports and Outdoors Inc. is a full-line sporting goods and outdoor recreation retailers. The Company operates over 259 stores across 16 contiguous states, primarily in the southern United States.

Its offered broad assortment appeals to all ages, incomes and aspirations, including beginning and advanced athletes.

The Company sell a range of sporting and outdoor recreation products, such as fitness equipment and apparel, work and casual wear, folding chairs, wagons and tents, training and running shoes and coolers.

What do Investors see in Academy Sports?

The reason I know growth investors are attracted to Academy is because it came up on a filter I ran of Investors Business Daily legend David Ryan profiled in the legendary book, Market Wizards.

Growth investors See a stock with a 97 Relative Strength rating, is a recent hot IPO, and offers tremendous growth of ~85%.

Value Managers see a company with below market multiple p/e: (9) and incredibly strong margins (return on equity) of 37%

Dicks Sporting Goods: $DKS: $97.34

Dick’s Sporting Goods, Inc. is an omni-channel sporting goods retailer. The Company’s offering includes sports equipment, apparel, footwear and accessories through a dedicated teammates, in-store services and specialty shop-in-shops. The Company also owns and operates Golf Galaxy and Field & Stream specialty stores, as well as GameChanger, a youth sports mobile application for scheduling youth sports.

Growth managers see a big growth story in Dicks. Just look at the growth in cash flows.

Value Managers see the combination of a below average p/e (9) and a strong return on equity of 27%

Subscribe to My Investing Newsletter Here

Some content is free and Premium Content is 25% OFF (for a limited Time)

Related Articles:

Five Incredibly Undervalued Stocks You Dont Want to Miss

45 Ways to Increase your Income

9 Best Ways to Save $7K This Year

7 Proven Books on Personal Finance to Take Control of Your Money

Dating and Frugality – Are We Financially Compatible

June 5, 2021 by Frugal Prof

An ex girlfriend of mine just texted me asking if I knew of a car wash service that has hand wash service.

About a year ago, I stopped going to the regular car wash place. The cost had creeped up to about $17 with all the fees and tipping of the guys with the towels etc… I had had enough. So, I started washing my car myself once every couple weeks. I don’t care if it’s not perfect. I’m done spending money on stupid things like that. Perhaps you can relate.

My ex is in a different place altogether. Gotta get that perfect car wash. As I recall, she was driving a jeep. So, I’m not sure what the point of hand wash on a jeep is. But, our exchange raises an interesting question – can a spender and a frugal person be compatible?

Finances are the leading cause of stress in a relationship, according to a survey of people in a relationship or partnership released by SunTrust Bank.

If you’re married, you need to be on the same page. And indulgences are part of life. But what happens if one person views indulgences as necessary. I need it. I deserve it. The future be damned.

When you get married, you typically learn what the other person can’t live without. When my friend got married, he told me his wife couldn’t live without getting her hair blown out once a week – think that’s about $75 each.

Of course, some people get married and lead separate financial lives. Accounts are separate. Each has a separate credit card for their must have purchases.

I’m not making light of the tricky terrain of combining finances. However, as a Dave Ramsey listener, I can’t help but mention how happy the couples are that join their finances, work together, and get out of debt.

And the opposite end of the spectrum – I knew a very successful businessman who was nearly bankrupted by an expensive second wife. He had real estate and investments, but accumulated debt to finance her lifestyle expectations. It was painful to watch.

Money fights are the leading cause of stress in marriages. Yet, discussing these subjects are challenging to say the least.

Each of us has a money history. The baggage of how our parents viewed money. The psychological baggage of being raised from a depression era parent or a parent that used money to make up for not being around.

Of course, It’s possible to be too frugal. To be so focused on amassing Wealth for the hope of a secure retirement, that you don’t enjoy the process. None of us is guaranteed tomorrow. It’s possible to spend decades building a business and then die shortly after retiring. It’s not uncommon.

Each of us is looking to strike the right balance between ensuring a secure future and enjoying today. And in the real world of social media and non stop advertising by Madison Avenue, these issues get muddled.

Madison Avenue is unrelenting in crafting images to make us want more. To associate products with happiness, status, or attainment.

The reality is each of us only has a few decades to build a nest egg for retirement and to prepare for the future.

Don’t let Financial regrets compound over time. Allow your money to compound.

We mature as we age and hopefully that includes our view of money. I regret some of the dumb things I wasted money on in my twenties and thirties. I’m sure you do too.

It would be hard for me to partner with someone still spending money to impress other people. It goes beyond money.

Beyond the financial issue, it’s just an unsatisfying and exhausting way to live. I know this because I spent heavily to live this way. There’s always a nicer car, house, yacht, or toy. Happiness is just right around the corner – the next Rolex or Birkin Bag.

I’d love to know your thoughts.

Feel free to comment below.

9 Best Ways to Save Money in 2021 – Frugal Tips

May 24, 2021 by Frugal Prof

9 Best Ways to Save Money in 2021 – Frugal Tips

What if saving money could be fun? Seriously. What if you made it a fun game where you started hunting for ways to keep more of your hard earned money?

I bet you work really hard. So, making sure you get value from your money is really important.

Disclaimer; I believe in transparency and want to disclose this page has links to products that I may earn an affiliate commission

for purchases you make. The reader pays nothing.

Make it a Game:

There are many ways to save money on this list. Each one has lots of potential savings for you.

For example, I love calling companies and threatening to cancel and asking for a discount. Invariably, they offer a way for me to pay less if I stay with them.

And instead of buying a new item the moment I need something, I love going to garage sales because its uncanny how often they’re selling an item I was about to pay full price for.

Being frugal is like anything else, it takes practice. Some people were raised in a house where the parents set the thermostat and chided kids about leaving the lights on. “Money doesn’t grow on trees.” Some people are just learning how to save. So it may take a while.

Some people thought they had a great career and would simply out earn their spending. I admit to this fallacy. This is a common problem for high earners. It’s only in retrospect that people realize they’re earning a six figure income and spending 110% of it. That was an eye opener for me. More on my debt free journey here

So here are the Best ways to Save in 2021.

Shop Insurance Rates: Rates are always changing so shopping for better insurance rates is an easy way to save some money. Put on the TV and use speaker phone – it takes a few minutes and could save you hundreds or thousands of dollars this year. Geico and AAA typically have the best rates but it’s worth making a few calls.

Ditch Amazon – Do you really need everything within 48 Hours? Amazon Prime renews soon (July/ August) and depending on your subscription can cost about $119. Is it worth it to you? I’m not sure its still worth it for me. And remember you can keep your Amazon account and get two day shipping on anything that’s over $25. So, just bundle your orders. Perhaps you’re a fan of Amazon Prime Streaming Service, but I’m not sure its worth it. And if you miss it, you can always re subscribe.

Plus, Other retailers, including Walmart and Target, are offering free-shipping plans, as well as same-day, in-store pickup, without a $119 yearly membership fee.

Save on Energy: Turn down the A/C. Turn down the heat at night. Get a heater.

I got a great heater for my room. Instead of heating my whole place, I just heat one room and I’ve been able to leave the heat off all night (I live in Southern California) but still it gets cold. It paid for itself in a few months. And this heater is completely quiet. More here

Take camp or Navy showers – Quick showers or cold showers.

I’m experimenting with cold showers. This is actually something related to personal development because there is a lot of research that cold showers are really good for you. The first 30 seconds of my shower are freezing cold and then I turn on the heat. I save money but I really like it and its incredibly invigorating.

Ditch Cable: I ditched cable a few months ago and I haven’t looked back. It’s a nice savings of ~$100 per month and I still have lots of programs through Premium Youtube.

I wrote a whole post on how to ditch cable and still watch sports. More here.

Move to a smaller city: My grandfather used to tell me how much better his life was in a small town. The older I get the more I wish I had listened to his advice. Living in a medium or small city can save you thousands per year and hundreds of thousands over a lifetime. The real issue is whether you are getting value from living in a city and whether the value is worth it.

Find Money Owed to You

True Story: About 15 Years ago after I had left my job I got a weird message on my answering machine. Something about money owed to me. At first, I assumed it was a scam. But, the message had lots of details about me and the check. I did some research and I was owed money.

My last employer sent my last paycheck to an old address and did not reach out to me. Instead, they waited and the money went to the New York State Unclaimed money bureau. Thanks guys. Eventually, I wound up getting my $1,852 back and I was Very Happy.

So, finding money owed to you is a very worthwhile exercise. Take it from me. More Here

Tell Your Kid to Get a Job:

If your kids are thinking about college then finding scholarships and grants should be one of their side jobs. More on popular scholarships and grants here. It’s a bit dated, but a good start.

Wash Your Own Car: Washing your own car can save you nearly $15 a week and it’s also a workout if you do it right. I like my car to look nice, but I’m not willing to spend $884 on a years’ worth of car washes. The 99C store has great microfiber towels and Amazon has all the rest.

Relevant Articles:

45 Ways to Increase your Income

9 Best Ways to Save $7K This Year

11 Legitimate Survey Sites for 2020

Go through your bills and Eliminate wasteful spending

The most obvious wasteful spending for me was a storage locker I was paying nearly $100 a month for. It made me so angry that I eventually began this journey and started writing this personal finance blog.

A Penny Saved is a Penny Earned and realize when you go through your bills that every dollar you can save is earned money.

Don’t dwell on the money that you’ve wasted in the past. Focus on your debt free future. I was paying for auto renew on memberships that I didn’t even remember. But Never again.

I began to explore our current consumer culture and why we buy what we buy. This helped me understand why I was spending so much money shopping. More on Consumer Culture here.

Negotiate Discounts:

For those services and memberships that you like but would like to pay less for, you need to contact the merchants and ask for a discount. Yes, you can do it. And yes they will give you discounts on your memberships: Cell phone carrier, cable company, Satellite radio etc… I’ve written a whole post about How to negotiate Discounts.

Improve your Money Mindset:

One of the best and most readable books on personal finance is the classic, Richest man in Babylon. It contains all the wisdom to help anyone become financially free. It is simple and straightforward, but not easy. I recommend it highly and is worth re-reading every few years.

“A part of all I earn is mine to keep.” – The Richest Man in Babylon (here)

Saving money doesn’t have to be a grim task. Make it fun. Make it a game. It’s your money.

You should get value from every dollar you spend.

Five Incredibly Undervalued Stocks You Dont Want To Miss

May 19, 2021 by Frugal Prof

“The intelligent investor is a realist who sells to optimists and buys from pessimists.”
― Benjamin Graham,

Update: I have begun posting All of my Stock and Investing articles on a new platform called Substack and I hope you will subscribe to my newsletter there.

There will be free content but there will also be a paid newsletter for more serious investors who are in search of hidden gems (undervalued stocks). I’ve included Four of the Five stock ideas here. To get the last one, visit my Substack Page Here

About the Substack newsletter:

How much would you pay for an experienced portfolio manager to filter the market of thousands of stocks and find the hidden gems?

My aim is to deliver solid content that makes you money. I hope you’ll consider subscribing. The first 100 Paid Subscribers get a 25% discount.

This newsletter will be published four times a month and recommend four to five stocks in each newsletter. The goal would be to assemble a portfolio of undervalued stocks.

I suggest holding these stocks for a year. This allows time for the market to discover these undervalued gems.

The stocks that have appreciated should be held beyond a year, so they can be recorded as long term gains for tax purposes. The stocks showing a loss should be sold before one year and recorded as a short term loss. This is the most beneficial strategy to minimize taxes. (Not tax advice).

Value Investing

Legal Disclaimer: The FrugalProf is not a registered investment advisor.  
Investing involves risk.  
Financial information provided is believed to be accurate but we are not responsible 
for inaccuracies.  
I may own these securities for myself or in accounts that I manage. 
Past performance is no guarantee of future returns.

Brief Overview of Value Investing:

Value investing is about minimizing risk.

Ben Graham created value investing because of his painful experiences losing money in the Great Depression.

Graham’s losses in the 1929 crash led him to hone his investment techniques. These techniques sought to profit in stocks while minimizing downside risk.

Overview of the Current Market:

This is an expensive market.

The stock market is at all time highs fueled by unprecedented stimulus from the Federal government of at least $3T. The following stocks are very undervalued in an overvalued market. However, they don’t meet Ben Graham’s strict definition of value.

Recent Examples:

Michael’s Stores: $MIK

I wrote about Michael’s as a great contrarian play when Big Short famed Investor, Michael Bury disclosed a stake. It was a $3 Stock back in May. Here’s what I wrote:

Michael’s is another contrarian play. Hard to resist since with nearly $2 in earnings and a $3 share price, its obviously undervalued. Full post here

The company is being bought out at $21 per share.

This is what we want – attractive companies that are undervalued and too cheap to ignore. A few big winners is all it takes. However, not all recommendations will turn out this good.

Current Recommendations:

WW International (Weight Watchers) $WW

Meredith Corp: $MDP

Quest Dianostic: $DGX

Vector Group: $VGR

Weight Watchers: Symbol: $WW

WW International Inc., formerly Weight Watchers International, Inc., is a global wellness company. The Company offers commercial weight management program. Its services and products include digital offerings provided through its websites, mobile sites and applications, workshops conducted by the Company and its franchisees, consumer products sold direct to consumers, licensed and endorsed products sold in retail channels, and publications.

Price as of 4/2: $31.80

EPS 2021: $1.82

EPS: 2022: $2.18

5 YEAR P/E Range (5-46)

Current P/E: 18

Cash Flow: $2.46

Comments: Excluding the Oprah jump, the stock is trading where it was in 2016. A below market multiple for a solid business and healthy cash flows.

The market seems to be ignoring that millions of people have put on weight during the pandemic. Too cheap to ignore.

Technical Overview: A move above $41 would very bullish and there is little resistance before the stock reaches $60

Meredith Corp $MDP

Meredith Corporation is a media and marketing services company. The Company operates two business segments: national media and local media. Its national media segment includes national consumer media brands delivered through multiple media platforms, including print magazines, digital and mobile media, brand licensing activities, database-related activities, affinity marketing, and business-to-business marketing products and services.

Price as of 4/2: $30.09

2021: $4.64

2022: $4.19

P/E: 7

Cash Flow $8.68

Return on Equity: 22%

Debt: 768%

Earnings: 5/14

Comments: Trading at the same level as a decade ago. Steady cash flows and high return on equity. Not thrilled with the debt level.

Technical Overview: The stock has had a nice run from the lows. Expect it to consolidate here before moving higher.

Quest Diagnostics: $DGX

Quest Diagnostics Incorporated is a provider of diagnostic information services. The Company operates through two businesses: Diagnostic Information Services and Diagnostic Solutions. The Diagnostic Information Services business develops and delivers diagnostic testing information and services, providing insights that empower and enable a range of customers, including patients, clinicians, hospitals, integrated delivery networks (IDNs), health plans, employers and accountable care organizations (ACOs).

4/2 Price: $129.44

2021: $11.02

2022: $7.98

P/E Range (10-22)

P/E: 12

Return on Equity: 25%

Comments: The company trades at a discount to the p/e of the S&P 500 yet has a tremendous Return on Equity and stable cash flows. Which is why they announced a stock buyback of $1B.

Earnings: 4/22

Vector Group Ltd. is a holding company. The Company is engaged in the manufacture and sale of cigarettes in the United States through its Liggett Group LLC (Liggett) and Vector Tobacco Inc. (Vector Tobacco) subsidiaries, and the real estate business through its New Valley LLC subsidiary, which is seeking to acquire or invest in additional real estate properties or projects. The Company’s segments include Tobacco, E-Cigarettes and Real Estate.

4/2 Price: $14.12

2021: .89

2022: .87

P/E Range (9-42)

P/E: 15

Yield: 5.7%

Earnings: 5/8

Comments: The stock hasn’t done much since 2014, yet the business is healthy and cash flows are strong. Plus, you get a healthy 5.75% yield while you wait for the stock to appreciate.

Technical Overview: If the stock can trade above $15, there is little resistance until $17-$18

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Teacher creates $16K Side Income from Side Hustle During Corona Pandemic

September 29, 2020 by Frugal Prof

Everyone deserves a great side hustle that can let you earn extra Money.

But teachers contribute so much to our communities that I love sharing this inspiring story about a teacher who discovered a side hustle and is now making serious money ($16K) ON THE SIDE!

Joshua had credit card bills and worried about how he would provide for his family. And so many people can relate to that. He had no real estate experience, but he had one important skill- he took Action.

Disclaimer; I believe in transparency and want to disclose this page has links to products that I may earn an affiliate commission for purchases you make. The reader pays nothing.

Watch Joshua’s story below …

Joshua Became a Certified Closing Agent.

One big advantage of becoming a Closing Agent is that you learn a new skill.
You Earn Extra Income, Set your Own Hours, and the Income is Excellent ($75-$200 per appointment).
You can get started with absolutely zero experience. You are hired simply based on your location in proximity to the loan signing.
Next, you can work from home and be your own boss. Owning your own business can allow you to take advantage its many benefits, such as tax write-offs.
• You have the ability to make money almost immediately.
It pays nearly 9X more than driving for Uber. However, it requires you to take a class and invest time and money.
If you can do that, then you can start making up to $200 per signing.

I have been impressed with the Loan Signing System due to success stories like this one.

Learn More about the Loan Signing System here

Relevant Articles:

45 Ways to Increase your Income

9 Best Ways to Save $7K This Year

11 Legitimate Survey Sites for 2020

One of the Better Side Hustle Ideas I see:

You learn a valuable skill.

You earn an excellent fee of $75- $200 per appointment.

The up front costs are pretty small compared to the actual compensation.

Learn More about the Loan Signing Course.

Part time loan signing agents generally do one to three signings per week, – about $300 to $500 dollars extra a week. while full time agents can do 3-8 signings in a day which is about $400 to over $1,000 dollars in a day.

• You can get started with absolutely zero experience. There’s no resume checking prior to a loan signing. You are hired simply based on your location in proximity to the loan signing.

• You can work from home and be your own boss.

• You have the ability to make money almost immediately.

It pays nearly 9X more than driving for Uber.

However, it requires you to take a class and invest time and money.

If you can do that, then you can start making up to $200 per signing.

You are not alone – Once you learn the course material, there is a Private Mentorship Facebook group that is there every step of the way in case you need help or advice.

Anyone can do it.

Ashley needed a way out because she had a daughter to support. She tried other side hustles but nothing had worked. She felt like she let her daughter down.

She wanted to be successful for herself and to support her family.

These are unique times due to the uncertainty of the Corona Virus. And once the health crisis ends, many people will be looking to add extra income or to replace lost income. So, legitimate side hustle ideas are critical right now.

I have been impressed with the Loan Signing System due to success stories like this one.

Ashley began this Side Hustle last month (right when the Corona Virus Pandemic began) and she is now making $6,000 per month and GROWING!

She’s buying a new car. She has less pressure. She has more money. In these uncertain times, HER INCOME went up! Imagine how great that would be. Ashley followed the course materials, took it seriously, and worked hard. So that is what she did and it resulted in $6,000 of extra income as a work from home Mom in one month.

Watch Ashley’s Story Below …

Learn More about the Loan Signing Course.

Relevant Articles:

45 Ways to Increase your Income

9 Best Ways to Save $7K This Year

11 Legitimate Survey Sites for 2020