Beginner Investing

I’m not an investment banker nor stock broker, but I am interested in the concept, and being able to let my money make money. Investing is one of the things that are not taught to us as a part of economic training, but I will not be left behind. I started investing in 2016. It was curiosity that got me started. Also, the idea of wanting to learn something that seemed so out of my league. I always had this idea that investing was for the rich. Not true at all.

It’s how the rich stay rich, and how the rich put their people on. You can invest at your own will and your own expense. Start small or big, taking risks or not, it’s all up to you. It doesn’t much time to research the in’s and out’s of investments, and there are so many brokerages and companies that make it easy to begin.

I started with Capital One Investing. I made a list of companies that I use, that were popular to me and the rest of the world, and researched their buy in prices, trade history, dividends, etc. I finally decided to purchase a share of Wal-Mart. I was shopping there everyday, it just felt right. In my mind, it was my way of getting some of my money back. At the time I bought my share for about $78, and the dividend was a return of 0.51 cents quarterly, in other words, every 3 months. I was okay with that, because it was something new and I was able to say, I own a piece of Wal-Mart.

That created a new addiction in me. Although at the time, I was still spoiling my son, and most of my money was going to toys, (Wal-Mart), food, and bills, I had not made the decision to purchase more and more. But I always had it on my to-do-list.


So around June of 2018, Capital One Investing merged with E-Trade, and I received a letter explaining to me why I had to sale my share of Wal-Mart. It was not able to brought over to E-Trade. I sold my share through Capital One. When I sold it, the price was about $89. I made a profit of close to $11. That was my second eye-opener in the investing world. I finally understood more than one investment option.

  1. Purchasing a stock that offers dividends is the quick way to see your profit return. It allows share holders to see a monthly, quarterly, bi-annual, or annual return of your money.
  2. Purchasing a stock that does not offer dividends, still gives the chances of generating a profit from the your purchase and sale prices. You are mostly likely to get more back upon selling it, especially based on the time of your purchase and length of time your position was held.

The better option for me a the moment is dividend stocks because I want to get adapted to seeing my dividend schedule, and waking up to the notifications of what I received monthly from my positions. Here’s a snapshot of what my portfolio looks like. Just to give you guys an idea of what its like, and to see that I’m speaking facts.

etrade shot

Currently, I’m looking into stocks that offer monthly dividends, penny stocks included. Penny stocks are just stocks that have a smaller purchase price. A lot of penny don’t offer dividends at all, but there are some out there. I am not a risk taker in my purchasing decisions just yet. Not willing to throw away money that I actually need. But I am willing to be proud of myself investing $10-$50 a month to know that I will get i back slowly but surely. I aim to hold positions in many companies, and make larger lump sum purchases, so that I can see a bigger return, and eventually my money will make money. I currently re-invest my dividends versus withdrawing them. They are small amounts that don’t amount to much, so why not allow it build up in the investment account, and re-purchase more stocks.

I’m not a pro yet, but I am still researching and experimenting. I have yet to experiment with bonds, securities, and mutual funds, but I will be diving into those soon. Check back to get the latest information on more investing information and tips.

Click Here for books and magazines that teach more about investing.

Parenting Tips & Tricks

It’s a popular belief that socks go missing in the dryer. Well I figured out where my family’s socks have been going. There have been numerous times when I open the washer and just dive in grabbing clothes to transfer them to the dryer, and noticed a sock hanging in the corner in the top of the washer. I can only imagine hoe many sock have actually fallen into that pit. So this is reminder to take your time and check the washer before you even begin taking anything out, it easy to tap the washer the sock(s) fall right in. You’re Welcome!!!



Natural Hair Journey

before cut2

The Big Chop (July 2018)


So I did my hair chop at home, by myself, from a spur of the moment thought. I had just finished washing my hair and was not in the mood to condition, blow dry, and style my hair. Mostly because I was having so much breakage with my hair, and was contemplating on going natural for a few months. So I felt, why even bother with this damaged hair, and I’m not happy with it. So I grabbed a pair and scissors, and cut a piece from the front. That way I could not re-nig on my decision. I wasn’t super excited about the chop, but I felt refreshed. After about two weeks I adjusted to the new look.

Products I Use


So obviously I’m in the beginning stages of my transition, so I’m still learning what is best for my hair and figuring out my curl pattern. I have already noticed, I have thin hair, with tight curls. I have not tried many brands yet. I tried Creme of Nature and I do not like the way it makes makes my hair feel. My hair feels heavy and sticky. NO-GO! So now I’m trying Cantu. So far I like the results, I love the smell of Cantu as well. The level I’m on in my journey right now is reaching long-lasting moisture and shine for at least a whole week. Right now, my hair my hair hold the moisture and I shine I want for about 24 hours. I’m researching and experimenting with deep conditioning methods and products to sew which gives me the longevity I want. Videos and links for that process coming soon!

Affiliate Marketing


Affiliate marketing is when you partner up with companies to assist in promoting sales for their products. There are hundreds of companies that offer affiliate programs that are free and easy to sign up for. The main two that I have partnered with are Amazon and Ebay. I have signed up for Clickbank, but I have not put it to use promoting any links yet.

The company you choose to partner with, provides you with a platform to track your traffic and sales. You have access to view your progress and your impact, and your earnings. You don’t have to have a passion for sales, or any sale experience. Just time to post links and ads on your social media, websites, etc, in efforts to generate revenue for the partnered company in exchange for commission for assisting in promoting products.

Some of the other companies that offer affiliate programs are:

  1. CJ Affiliate
  2. AvantLink
  3. ShareASale
  4. Clickbank

Ideal methods for your affiliate marketing business are:

  1. create a marketing website just for your advertising and promoting
  2. incorporate your links and products into an already existing site
  3. share on social media sites



blog icon information internet

Creating a blog is a popular income generating idea. It be easy, but it actually takes a lot of thought. They key is finding what makes your blog different from the rest. Now there are only so many topics to choose from, understandable, but within those topics, you can always find something that makes your blog special. Could be mixed comedy, geared toward a certain group of people, or musical selections integrated into the posts and website.


1. Beauty
* Hair Care
* Skin Care
* Makeup Application
* Makeup Products

2. Fashion
* Favorite Designers
* Your Wardrobe
* New Releases
* Rejuvenating Old Pieces of Clothing
* DIY Altering Tips

3. Technology
* New Phone Devices and Features
* “How to” Blogs (Use Devices, Fix Devices)
* Compare & Contrast

4. Health
* Exercise
* Nutrition
* Illnesses and Sickness
* Cleaning Tips

5. Education
* Adult Education
* Youth Education
* Grants & Scholarships
* College Survival Tips
* Teaching Children
* Online Learning
* Paying Back Loans

6. Finances 
* Budgeting
* Generating Revenue
* Stocks and Bonds
* Banking Accounts and Options
* Credit Education
* Loans Education
* Home Ownership

7. Politics
* Local
* Federal
* Viewpoints
* Changes

8. Law & Justice
* Family Law
* Guardianship
* Business Laws
* Justice/Injustice
* Criminal Law

9. Personal
* Daily Blogs – What goes on in your day
* Things in your life that others may be interested in.

10. Gaming
* Game Play
* Updates
* Glitches and Fixes
* New Releases
* Your Opinion about Games

10. Religion
* Your Beliefs
* Spreading the Word
* Events & Invitations

Those are just some blogging ideas that are popular. Of course there are plenty of others. Our blog will have almost all of these. Good Luck!

Arise Virtual Solutions

Arise Virtual Solutions is a platform that bridges the gap between large companies/businesses that are looking to hire customer agents for its customers. Using the platform has been life-changing for many people. It allows everyday people to gain access to customer service positions within the comfort of your home.

What It Did For Me

It allowed me feel like I was not letting my family down. I was able to find employment in my home, and be comfortable with the guidelines. I worked at home before enrolling in the Arise program and I was not happy with it. I was following a strict schedule, mandatory overtime, little to no time off despite reason, and colleagues not quick with assisting in sticky situations with customers. Arise gave a me a more relaxed work at home opportunity. I select my hours, select the client I want to work for, and the teammates and supervisors are amazing.

How It Works

Working with Arise is actually working for a call center at home. The call center can be your own, or working under someone else. The steps to begin are easy and fast. The first thing I say, however, is that you have to look at it as an investment. A lot of people say, you don’t have to pay to get a job. “Yes you do!” Either paying for gas or transportation to make it to the interview, tools for the jobs, the uniform, and work attire. That’s your investment into getting that job. By working at home, your don’t have to make those kind of investments. The investment is the money you initially spend to get to the course. Let me explain.

  • Sign up for the platform for free at Arise Virtual Solutions.
  • Complete the registration form.
  • Complete a background check that you have to pay for yourself for a small fee. When I enrolled it was 6.95. There is small waiting period for getting the results back from the background check. No more than a week.
  • Do the system check in the meantime, and make sure you have the required technology items needed for the course and the job.
  • Once the results of the background check are in, you are able to select your call center preferences.
    • If you choose to work for a call center already partnered with the Arise platform, there will be a list of agencies to choose from. You have to take the initiative and reach out to the agencies. There is no guarantee they will respond to your calls and emails. So it’s best to reach out to many of them, and narrow down from the responses you get.
    • The other option is to register your own call center. This option is where the investing gets deeper. It’s also a little time-consuming, but very much worth it, this is the option I chose. You are able to register a small business with your state of residency’s secretary of state. The fees vary.  ****Research your state’s name and secretary of state, contact them for fees of registering a small business.**** Fill out the required forms, mail them in, and wait for a letter confirming your business is registered. While waiting for the confirmation from the secretary of state, apply for an EIN from This process is quick, you will be given an EIN immediately upon completing the application. Print it out and save it for later. ****Make sure you title the business on the secretary of state form and EIN application EXACTLY THE SAME**** After have both documents, log into your Arise account and register your own IB – Independent Business.
  • Once your business is registered or you have been approved by a call center, you will have access to available clients and their course information. Each client will display their logo, information about the class, class price, and class times.
  • Select the client you want to sign up for, make the payment and select your desired class time. The start time is usually a few weeks away. ***THERE IS NO PAID TRAINING. YOU GET PAID WHEN YOU TAKE YOUR FIRST CALL***
  • You be trained on how to access Starmatic which is the program used to select your schedule. You are allowed to select your schedule in 30 increments (intervals), and select what ever is best for you. The key to getting a decent amount of hours is to be up on the hours release schedules, to ensure you get hours fast. They do go quick. Be a Starmatic stalker to make sure you get the amount of hours you want.

My call center is always hiring. See the flyer below, and instructions following to register to work as a call center service agent with my call center and begin your work at home journey. Whether short-term just to get side cash or long-term to make an actual income, it’s a great idea for generating income.


Virtual Assistant

Virtual Assistant

A virtual assistant aids clients in completing various tasks in a myriad of fields from a remote locations. There is no certification required to begin a work from home virtual assistant business. The requirements that make the business flourish smoothly include:

Knowledge of various topics including technology, appointment setting, creating/editing documents, and creating travel plans. Simple right?

At home office equipped with computer, printer/scanner, paper shredder, web cam, and microphone.

A portfolio of your work, website, or resume to highlight your talents and strengths

Soft skills that will come include communication, honesty, accuracy and attention to detail, and time management.

I work through my organization I created called Mommy Moves, LLC. (shout out to Cardi B for inspiring the title.) I work for myself, and one of my goals to ultimately create an actual virtual assistance business where I can hire other virtual assistants with notably positive reputations and skill sets to become a part of world-known company that houses the best and most proficient assistants in the world for anything you may need help with. For now it is just me, myself, and I until I feel prepared to bring in others who are qualified and dedicated to working hard at home and leaving clients stunned with their swift and accurate service.