My 1 Year Review Of Robinhood (The Investment app)

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If you haven’t read my post on robinhood click here. I have officially had and traded with this app for over a year now. My background on stock is very bleak, I didn’t know much but the basic and few quotes I looked up from warren buffet. I did small but detailed research into a few stocks I used or thought were good buys and dove in and bought a share of each. I didn’t try to time the market and get the lowest price, my goal was to buy and hold and see how life would roll!!! Lets see what happened.

The Good

Square: ticker SQ– I bought this stock at $23.60, it now trades for $47.05. I gained $23.41 from buying and holding this stock. That is a 99.24% gain. (you want to be somewhere near 8-12%) My thought on buying this was it was an IPO(a new stock) and I saw how many young entrepreneurs were using the card reader. With buying local, shopping in the community, being a big thing for my generation I knew this stock would potentially grow, didn’t think it would be this fast!

Phillips 66: ticker PSX-I bought this stock $82.92 the first share and came back and bought another share at $91.38, it now trades for $111.81. I gained $49.29 that’s a 28.28% increase. Now I didn’t technically pick it I asked my husband what he wanted to buy and he looked up warren buffets stocks and this was one he owned. With a 2.70% yield and a warren approval we made a nice come up.

Target: ticker TGT– I bought at $54.64 and it trades at $71.73. That’s a gain of $17.08 at 31.26%. I didn’t do to much research I just thought well dang I’m always shopping here and I love this brand I might need to buy a share. I try to buy in spaces I understand, and want to be a shareholder of.

Teladoc: ticker TDOC– I bought at $32.90 and it trades for $42.00, that’s a gain of $9.10 at 27.66%. My mom told me about this stock. She believes this is where healthcare is going. I also recalled in one of my benefit meetings at work HR was explaining to us that we could use an online portal to talk to a doctor. It was new and seemed really futuristic, so I thought why not give it a go, and at only 30 a share my risk isn’t too high.



Fitbit: ticker FIT– I bought 2 shares, one at $5.43 and $6.04, it now trades for $5.28. That’s a loss of 0.91 a -7.93%. I saw this stock at $5 a share and thought lets go for it. And now over a year it is still suffering. I still believe in fitbit but so far it has loss me money!!

However I wrote this post about a week ago many stocks have changed and fitbit is finally in the black for me. With stocks you can be up one day and down another. Thats why you must invest for the long hall and not get emotional when your stock isn’t doing well, and you sell too quickly.

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With no experience in trading and no educational background in the stock market I have wounded up making $102.33 that’s a gain of 35%. No savings account could net you that yield! I plan on sticking with Robinhood and trading with it for a while now. A few stock I plan on holding till my son graduates, others I am waiting to trade soon. Do your research don’t over think it, start small, and start reaping the benefits!!!

Any stocks you have bought that gave you great gains comment below?






Quality Over Quantity



For the first time I will actually tell you to splurge on the good stuff. But hear me out first before you close the browser and ball out on items. If you haven’t tried minimalism then I think its something worth looking into. Me and my husband tried it and while it didn’t last to long it did clear out alot of space in our closet and made us opt to buy quality clothing.



So, can you go out and just ball out at Nordstrom and throw away all your old clothes. No, but moving forward look into what you spend most of your money on replacing. Are you constantly buying new jeans because yours are fading, or tops because they always tear in the washer? When you identify the issue you can start to build a wardrobe with less items but better quality.

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Fast fashion is clothing that is quickly made from the catwalk to consumer, it doesn’t last long the trends tend to fade quickly and clothing usually ends up in landmines. Think of stores like, Forever21, H&M, Old Navy. These retailers make items that will get you maybe through one season but end up in a bag of trash or at goodwill. Fast fashion also tends to create a world of child slavery, poor wages for the workers, and terrible working conditions. Now I get that we cant control what companies do but with enough knowledge we can make an informed decision when we are at the mall. Most people will tell me they can only afford forever21 clothes. But when you truly add up the cost of replacing shirts, jeans, pants every year you will be able to see the real cost of those items. I have worked in retail and lets be honest you can tell when a shirt is a well made shirt. You don’t need a degree in fashion to know great quality made items.



I am pretty sure you have heard, “you get what you pay for”. Well that saying goes toward everything from insurance down to batteries. Do you research and see does the off brand electronic save you money in the long run, will the dell computer out last the more expensive apple product? When I was in college I bought an imac for $1200 pretty pricey, however its been 6 years and I have never had a virus or even needed to take it in to get fixed. When it comes to bigger items, spend time finding what is best for you and what will last.



The experts state we only use 20% of our closet and the rest just sits. So why do we need so many clothes when we are going to always choose the same outfits over and over again? In past generations quality was more important but with fast fashion companies like H&M, and Forever 21 we fall to quickly for the cheap price and stuff our closet with crap. Next time you go out shopping ask yourself can you wear this year over year, and do I have something like this in my closet?



I love shopping, its a hobby of mine and now that I have a baby boy I love buying him new clothes. Now for my son it makes sense for him to have fast fashion he will go through it in months. However I try not to have so many clothes for him since he is so little (I am also blessed to have a family that usually buys all his clothing). I would rather spend the money on his shoes, but I only buy 1 or 2 pairs. I notice the cheap pair fall off, and scuff easily and its not worth the headache. My son has 1 pair of jeans and 1 pair of khakis, the rest of his closet is full of comfy clothes for him to run and play in.



If you step out of your comfort zone and try the quality over quantity, you will likely have culture shock walking into a Nordstrom, or Ann taylor over your normal stores. However start small and buy just a few pieces at a time. After I started working at Ann taylor I notice how much longer my clothes lasted and stopped shopping cheap. I still have my jeans from 4 years ago, no fade no rip nothing. Plus at the higher end store if something does go wrong with your clothes they usually are more than happy to fix the problem. Take your time, clean out your closet and make purposeful decision when shopping.

Great infographic for reference (image source) 




Investing Basics 101

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Am a huge stock owner, do I know everything about the stock market, can I make you millions with $10? No, but I am just like you working a normal job(well sorta I’m a SAHM) making average pay and had no idea about the stock market. That’s the reason I believe I can not only help you understand it but, can get you excited to start investing. First lets dive into simple terminology that is used on wall street.


Stock is a representation of a piece of ownership one has in a company. Stock is what you buy on the market to have this ownership. Think of stock like an orange, you go to the market and you buy the fruit, once you make the purchase you own the orange.

Portfolio: A collection of investments owned by an investor. You can have as little as one stock in a portfolio to an infinite amount of stocks. When you start buying stock you then have a “portfolio”.

Broker: A person who buys or sells an investment for you in exchange for a fee (a commission). I will later on show you ways to buy stock without paying fees to a broker.

Initial Public Offering (IPO): The first sale or offering of a stock by a company to the public, rather than  just being owned by private or inside investors. Whenever facebook decided to go public it was called an IPO, the “new kid on the block”

Rally: A rapid increase in the general price level of the market or of the price of a stock. Sometime certain events can cause the stock market to go up fast in a short time this is when a “rally” happens.

Sector: A group of stocks that are in the same business. An example would be the “Technology” sector including companies like Apple and Microsoft. A fancier way of saying category. Like retail is a “sector” that most investor are staying away from due to low sales.

Best graph for reference (image source)




Now this may seem like a lot of information at one time, but this is just the basics and you learn most of the definitions when you actually dive into investing. Now I have been investing for 2 years now, and I haven’t invested alot of money. However, I have gain a great return and I plan to increase every year. There are 2 ways I to go about investing, you can either spend the time and look deep into a stock you want to own. Or you can let someone create a portfolio of stocks they believe will earn you a great return. Well I tried both, and got different outcomes.



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This app is AMAZING! I love it and always rave about it. It takes my spare cash rounds it up and deposits it into my portfolio. Where they have hand picked stocks and bonds for me. I don’t spend time looking for stock to own or what bonds to buy. This apps way of investing, is good for someone who wants to put there money on auto pilot. You will earn a return depending on the stock market and not have to worry about doing the heavy lifting. However, you don’t get to control what you own. So if you hate apple and would rather amazon or another stock you will not be able to change where your money goes. For those who like a certain company and want to pick where there investment goes I would recommend my next tip.



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I’ve had this app for about 6 months. I own 5 stocks ranging in different sectors. I study which stocks to own, at what price to buy, and how long I should hold them. This way of investing takes more time, but if you are good at it you can make alot of money. It doesn’t take a warren buffet to know whats going to hit. My husband who doesn’t have a passion for investing picked a few stocks and some months they are outperforming the stocks I spent hours on studying. This app is easy to navigate, I was able to get my mom into it and she loves it.

I plan to keep both app, and increase the amount I invest in each year. My main focus is paying down debt but the interest rate on my car loan is 4%, while the money I have invest has yielded me over 11%. Just remember to keep a balance and take it slow. Don’t put all your eggs in 1 basket.

I handpicked, Target, Fitbit, Square, Phillips 66, Teladoc. Want to start investing use my link below to get $5 started in your acorns account.