Saturday, May 31, 2014

Easy to grow and good for your budget Plants

Gardening is one of my passions. It's my distressing therapy and exercise. I love to watch my plants grow, to pick up fresh herbs, vegetables or fruits directly from a plant.

It make our life more beautiful. Growing your own vegetables, fruit and herbs helps to save money and eat healthier.

I prefer plants, which are easy to grow and maintain but beautiful or produce crops.



We live in Texas, so we are in zone 8-9. My recommendations probably will be good for Texas, Florida and other warm states.

Decorative plants

 1. My biggest favorite - Knock out roses. They grow in any soil and they survive "cold" winter, if we have a freeze. They bloom over and over again and you don't even need to deadhead them.










My Weekly Stock Watch List (5/31)

This week I did not purchase any stocks. I was planning to purchase more Target stocks on Friday but price went up and I decided to wait until next week.

Here is my watch list for upcoming week*.
Stock Name, descriptionprice as 5/31Dividend Yeild
ARIApollo Commercial Real Estate$16.759.60%
SBSISouthside Bank$25.823.30%
PGProcter & Gamble$80.793.20%
PFEPfizer$29.633.50%
TGTTarget$56.763.00%
ESVEnsco$52.666.00%
ROSTRoss Stores$68.451.20%

* If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.
I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.
If I have a stock on my list, it means I like something about this stock. If I buy one of these stocks, it does not mean I plan to keep them forever. I might sell them if their price would go up a lot and I feel it's time to sell.


Monday, May 26, 2014

Dividend Reinvesting or Not?

I was thinking for a while to reinvest dividends automatically or not.

I used to reinvest dividends automatically. Then I decided not to reinvest it automatically since I plan to sell stocks at some point and so I didn't want to have short term sale of investment.

Now I got another idea.

I put on automatic reinvestment of dividends all my Retirement accounts (IRA, Roth and SEP) because I mostly invest into these accounts at the moment I prepare my taxes. So if I would not reinvest automatically small amounts of cash would accumulate through the year while if I reinvest them I will get more stocks without paying commission and it slowly would increase my dividend pays.

But for my stocks in regular brokerage account I set my settings on to "not to reinvest dividends". 
If you asked me why? First of all I do at least 2-4 trades per month, so I can always use my dividends to acquire new stocks. As I always say I like to buy stocks when they are on sale. If I just let my settings to reinvest automatically my dividends pay into the same stock I would save on the trade cost and get more stocks, but sometimes it can be at high price. On the other hand I could add this amount to my trade for stocks, which are on sale and it would be a better deal.


I was reading an article in Kiplinger on the same subject. Columnist Kathy Kristof was trying to decide to keep reinvesting dividends into the stock or start using these money for investing into new stocks. Her reasoning was that if she would not reinvest her dividends into the same stock, then this stock would look like a "huge underperformer". She asked readers opinion on this subject.

So today while reading through studying material for my CPA test I got an interesting way to account for cost basis for Dividend stocks with dilemma like this. You supposed to use this type of accounting for Equity stocks, but I thought it might be a way for your own internal use.

Every time I receive dividends I will subtract it from my original cost of investment. For example, I paid for XYZ stock $1,300. So this is supposed to be my cost basis. Next month I received dividends in amount of $14. So now my new cost basis is going to be $1,286 and so on. So at some moment I will see that my stock totally paid off for itself.

So what do you think? Please share your thoughts on dividends reinvestments.



Saturday, May 24, 2014

My Stock Watch List and Stock Purchases (5/24)


This week I purchased shares of

TGT@55.79 and WFM@37.68

Here is my watch list for upcoming week*.
Stock Name, descriptionprice as 5/16Dividend Yield
PFEPfizer$29.493.50%
TGTTarget$55.693.00%
ESVEnsco$51.356.00%
CNPCenterpoint energy$23.873.90%
WFMWhole Food Market$37.781.20%
ROSTRoss Stores$68.851.20%
SBSISouthside Bank25.793.20%

* If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.
I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.
If I have a stock on my list, it means I like something about this stock. If I buy one of these stocks, it does not mean I plan to keep them forever. I might sell them if their price would go up a lot and I feel it's time to sell.



I love Sales on my regular shopping sprays and I use this strategy for my stock shopping... :)

I added ROST to my list. I used to have it before but since I decided to invest mostly into Dividends stocks I removed this stock from my list.  But after reading analysis of Project3million here, I decided to put it back into my watch list.

I added SBSI - Southside Bancshares is a holding company for Southside Bank located in Texas.
I discovered this stock while reading http://compoundingincome.blogspot.com.

I also updated List of all my Dividends Stocks here. I added some stocks to my watch list and I plan to add more next week.

Please share your thoughts and watch lists.

Thanks for stopping by!


Healthy Lifestyle = More Money Part II

Healthy Lifestyle = More Money Part II

You can read Part I, which was about healthy food choices.

Today let's talk about some good habits and other random stuff which can make you happy.

My University professor used to tell us that it takes a month to create a habit. It means, you have to stick to something for a month and then it becomes a habit.

Sunday, May 18, 2014

Healthy Lifestyle = More Money. Part I

Healthy Lifestyle = More Money. Part I.

I strongly believe that choosing a healthy lifestyle will not only make you feel healthy and happier but also will save you some money. And who knows? It might even help you to earn more money.

Let's start with healthy food choices.

Shopping for Groceries and Sales
Walk along the walls of the grocery store and mostly skip the middle section.
When you are at the grocery store before you even start shopping scan store flier for sales. If you see really good sale on chicken or fish and you have some extra money - stock up and freeze. Cook your meals according to weekly sales. Find fast and easy recipes online. Improvise - skip or substitute some ingredients.

Saturday, May 17, 2014

My stock Watching List and Stock purchases

This week I purchased shares of

PFE@$29.10, CNP@$23.59 and Ford@$15.57.

Here is my watch list for upcoming week*.

* If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.
I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.
If I have a stock on my list, it means I like something about this stock. If I buy one of these stocks, it does not mean I plan to keep them forever. I might sell them if their price would go up a lot and I feel it's time to sell.

I love Sales on my regular shopping sprays and I use this strategy for my stock shopping... :)

Stock Name, descriptionprice as 5/16Dividend Yeild
FFord$15.763.20%
PFEPfizer$29.033.50%
KMIKinder Morgan (natural gas)$33.455.20%
TGTTarget$58.642.80%
ESVEnsco$50.045.90%
CNPCenterpoint energy$23.883.90%
WFMWhole Food Market$37.911.20%
VZVerizon$49.074.40%
DRIDarden Restaurant group$48.494.40%


I added Verizon and Darden Restaurant group to watch.



I need to add more communication stocks to my list and Verizon looks like a good match. I believe Verizon and AT&T are two main wireless companies. Even if I am a customer of AT&T I believe Verizon has a higher quality of their wireless service. When I used to live in a house with a bad reception my AT&T phone would not have service in some part of my house but my friends with Verizon never had any problems.

Read Motley Fool article or Wallstcheatsheet.com for latest reviews.

Darden Restaurant group just got rid of Red Lobster but from the list of other restaurants they own, I know very well Olive Garden and Longhorn Steakhouse. Not sure if I want to buy their stocks right now but I want to watch it for now.

Whole Food Market - not a dividend stock but as I wrote last week here I might still buy some shares.
I believe this company has a potential because younger generation are more concerned about healthy eating and willing to spend money at places like this one.


Please share your thoughts and watch lists.

Thanks for stopping by! :)


Saturday, May 10, 2014

My Stock Watch List for upcoming week

I was busy last week and still did not make my decision on which stock I will purchase this week.

So here is my watch list for upcoming week*.

* If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.
I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.
If I have a stock on my list, it means I like something about this stock. If I buy one of these stocks, it does not mean I plan to keep them forever. I might sell them if their price would go up a lot and I feel it's time to sell.

I love Sales on my regular shopping sprays and I use this strategy for my stock shopping... :)

Stock Name, descriptionprice as 5/9Dividend Yield
FFord$15.773.20%
PFEPfizer$29.033.50%
KMIKinder Morgan (natural gas)$32.155.20%
TGTTarget$59.132.80%
ESVEnsco$50.665.90%
CNPCenterpoint energy$23.953.90%
WFMWhole Food Market$39.321.20%


As you might notice some stocks are still on my list from previous week.

Monday I added Target and Pfizer. See post here

I added ESV after A frugal familys journey suggested it and I did my own research. Here is another analysis for this stock.

Centerpoint energy price went down and I like to have variety of companies in my portfolio. It's a stable company, which has it's own niche. This is why this stock is on the list right now.

Whole Food Market does not look like a high yield dividend stock but this is one of these stocks which I like that they are doing. Unfortunately we don't have this store close by but I went to one in Boulder, CO and I really loved it.

At this moment I am trying to decide between PFE and KMI. I already have stocks of KMI but not PFE. So I probably will pick PFE. Variety is better, right? :)

Also I might buy some of Whole Food Market Stocks as well.

I guess next week will show.

Please share your stocks watch list.


Friday, May 9, 2014

How to earn money while following your heart... my own experience...

Do not be afraid of new things...

Last week I got a phone call from my old recruiter. I didn't hear from him for years because he switched to a different company.I thought he just wanted to chat with me and keep me in his database but it turned out he had a project, which he wanted me to start almost immediately.

The company was located in my tolerated traffic zone and the timeline of the project was in my available time frame. I warned my client that I need some flexibility and since I get paid hourly, of course they agreed. My recruiter negotiated my rates with this new client and all that I had to do was show up and start working.

Back in 2008 I left my perfect job because my commute was too long and I wanted to stay with my kids. My plan was to stay home for a while and after cutting here and there I calculated I could afford it. I planed to go back to work eventually. Well, my plan never worked this way. :) I always wanted to try new things.



I started with taxes. I wanted to learn more about tax preparation, so I went to H&R Block and learned how to be a tax professional. They basically give you a job almost automatically after you complete their course. You do not need to have a degree, just pass your test and then apply for a temporary job. The best part about this job was that I could work when I wanted and it was a seasonal job. I picked a tax office that was a 5 minute drive from my house and worked through my first tax season. The pay was not much but it was interesting for me and it still was additional income. I stayed with H&R block through 4 tax seasons.
I enjoyed it. They have great advanced training programs, which you can participate in year after year. You have an ability to grow to upper level every year after completing training and passing tests.

So if you want an easy additional income - become a Tax professional. It is not as hard as you think. But you will earn some extra money when you have free time. Remember tax offices are open until 10pm and weekends through tax season? Plus you will be able to do your taxes for free and you can ask any questions from the more experienced colleagues.

I am not affiliated with HR Block and I don't work there anymore. There are other Tax preparation companies but I only share my experience. It was a nice experience though. I just want to share some ways you can earn extra income. As I said above, you do not need to have any previous knowledge about accounting or taxes, they will train you. But start researching early because training starts as early as September.

Craigslist was my other way to find part time jobs. I usually scan through ads and see if there is something interesting for me. Thanks to craiglist I found at least 3 part time jobs and several short term projects. I still perform work for some of my clients I found through craiglist.

Linkedin. If you don't have your profile on Linkedin, create one. Put your experience and education there. Connect with people you know. Join groups you are interested in. Participate in discussions. Recruiters are very active on Linkedin. They will contact you if they see that you match that you are looking for. You might land a new better job just because you are on Linkedin.

Recruiting agencies. Join several recruiting agencies online and keep your resume updated. You never know when and for what job or project you might receive a phone call. Even if you think you do not need a new job, do it. It is a recruiter's job to match a company with a perfect candidate. They want you in their database. I always tell my recruiters that I only do short term projects but ask them to keep me in their database. I know one girl who actually had two resumes for two totally different jobs.

When I left my perfectly secure full time job in a great company people thought I was crazy. Yes, if I stayed there my net worth would be much higher by now but... it would never replace all these years when I was able to be in my kids lives as much as they needed me. No money could buy this experience. Yes, I put being a mom first and I am still this way. My kids are teenagers now and I can accept more projects but kids still prefer when I am around.

Surprisingly even while working just part time through all of these years I was able to grow professionally and gain so much experience in different industries that I feel strong and secure about my future.

Do not be afraid of changes and new things! Keep searching, trying and switching jobs until you find something that matches you perfectly. Just perform the best you can at every job you have. The right people will show up in your life and value you. Through your search you will meet wonderful people as well as downers and haters. Just keep going your own way, don't let anyone discourage you. Life is too short, so find your way to live it happy.







Monday, May 5, 2014

My Monday Stock Watch List

My Monday Stock Watch List

Today Pfizer reported revenues below expectation and Target CEO left.

So I am adding these stocks to my watch list. 

Stock Name, descriptionprice as 5/5Dividend Yield
FFord$15.743.10%
PFEPfizer$29.963.40%
KMIKinder Morgan (natural gas)$32.745.00%
IGTInternational Game (casino eq)$12.563.50%
TGTTarget$59.872.80%
ARCPAmerican Realty                                                                 $12.98              7.60%

I am trying to decide if it is time to sell my FTR shares.

Please share your stock watch list.

Saturday, May 3, 2014

My dividend stocks list this week

My dividend stocks watch list this week

If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.

I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.

I love Sales on my regular shopping sprays and I use this strategy for my stock shopping... :)

Thursday, May 1, 2014

Monday, April 28, 2014

Coconut Oil - for better teeth and healing cavities - Part two

About a week ago I discovered that Coconut Oil can heal cavities or at least make your teeth better.

Here you can read my part one about swishing coconut oil.

After trying it for a week I made my adjustments to the routine:

My Monday Stock List

After reading Jason's at Dividend mantra analysis of ARCP (American Realty Capital Properties), especially when I saw main tenants names as Walgreens, CVS, Feedex, Dollar General I went and check this stock as well. Its a REIT stock but it's like owning a small part of all their real estate... :) I noticed they have more than 500 properties in Texas, which is good I think.

I was surprised to see Walmart as one of their tenant in one of the states.

Also I like the fact that insiders are purchasing stocks. In my opinion it means they believe in their own stock and think it will grow. Plus they are paying 7.5% dividends right now.

So this stock is totally on my list now! Thank you Jason!

I am still watching KMI, IGT, WU and PETS. They are dividends paying stocks and their prices are down now.

Saturday, April 26, 2014

Free Cat Litter after mail in rebate and Purina sample

ARM & HAMMER™ Clump & Seal™ Cat Litter—for FREE* (via mail in rebate).

Just got this offer in my mail


My Dividend Stock Watch list for this week

My dividend stocks watch list this week

If I move stock to this list, it means there was a price drop or current price is somewhere in the middle.

I do not buy stocks at their highest prices. I might miss some good stocks but I prefer to sit and wait.

Friday, April 25, 2014

Super Easy, Healthy and inexpensive meals ideas

Easy, Healthy and Inexpensive meals for people who don't like or have almost no time to cook


1. Soups

if you want super healthy - make it from scratch - boil chicken parts for a while, add any spices you want, garlic, onion, carrot, celery. You can drink broth with a toast or add pasta or rice to your broth. or you can add beans or frozen veggies.

You can make vegetarian soup. My favorite is with broccoli, carrots, onions, tomatoes, sweet potatoes and other veggies I have on hands. Cooking super fast and easy.

2. Baked veggies - use foil to bake in the oven

3. Frozen veggies - steam or stir fry, depends on veggies. You can add them to your broth and viola you have fast and easy vegetable soup. Or mix them with rice or other grain you have. Or you can make an omelette with veggies.


4. Beans - I love to cook beans in slow cooker. I like to mix different types of beans. I usually cook it just with water, spices and salt and sometimes add tomato sauce and pepper.

5. Boiled eggs - just boil a dozen and keep in your fridge for an easy, satisfying and healthy snack or add to your green salad

6. Different grains and pasta - cook when you have time and keep in your fridge

7. Salad - cut greens, tomato, cucumbers, etc




8. Oatmeal cookies - mix oatmeal with banana and bake it


9. Cabbage - it might smell like cabbage :) but it is super good for you plus super inexpensive. chop on small pieces, add a little oil, water, you can add some tomato sauce, spices and cook until it is soft.

10. Any kind of smoothies from greens or fruits you have

11. Grilled chicken or fish











12. Omelette or fried eggs


13. Fresh veggies for dipping (carrots, celery, tomato, cucumbers, etc).

14. Fruit or berries















Please share yours!





If I won a lottery...

What would I do if I won a lottery?

Go travel around the world? Buy a new house or car? Go back to school? Donate to different causes? Quit working? Move to a different state or country?

Or just live my life as I live it now? Adding just a little more of everything to enjoy and sharing with others...

Just stop and think for a moment...

Thursday, April 24, 2014

Swim Suit Season is here! Do you wish you had a better body?

Swim Suit Season is here! Do you wish you had a better body?

Swim suit season is here again and you really wish you had a better body… So you looked in the mirror and honestly admitted that you have extra weight. Don’t get discouraged, it’s time to start right now this moment. It’s not as hard as you think, if you are consistent and follow some simple guidelines.
There are four main reasons for being overweight.
1.       Not enough physical activity
2.       An unhealthy diet
3.       Stress and lack of sleep
4.       Health problems
Let’s look at each reason and see how you can “become a better you”

My stock watch list

I think I will start tracking my stocks watch list here. So if I look back in 6 months, I will see... it does not meat I want to buy these stocks but I might or might not.


Here is my list of stocks I am watching right now:


Oda to my gym!

I used to say, "oh I don't need a gym membership. I walk my dog every day, do lots of gardening, my tennis lesson and all other stuff"... I was wrong.

I signed up in November and totally fell in love with gym.  I swim and go to yoga classes, run on treadmill, use weight machines, dry and wet sauna and jacuzzi... and all of these just for $30 per month! I even had a free hour of personal training this month.

After 5 months I feel so much better. I do not yell at kids as much as I used to. I feel less stressed and calmer. My entire body feels so much stronger. And every time I start feeling stressed I always have my special escape... to the gym...

Why will I keep studying for CPA test... I am not a quitter!

So I decided to keep studying for CPA test.

Honestly there is no perks for me if I pass it and I think this is a reason why I am so unmotivated.

I have enough experience in my field to land a full time job when I decide to do so or if I ever decide to work full time, because I honestly enjoy my part time working situation.

Yesterday I told my mother, "ok, I am quitting studying". But then it bothered me because I don't want to be a quitter. So I guess I will just keep swimming...  and if I pass it, it will be just for myself...

So, my affirmation for today is "yes, I can do it. I can study and pass FAR"... The other three sections are not as intimidating and long as this one... So yes, I can do it.

Wednesday, April 23, 2014

How do you pick your stocks?

I made so many mistakes by picking stocks.

Through my stock purchase life I used these strategies:

- just because I thought it was a good company (I bought BBW in 2008 when every kid thought it was a must to have, still have in my portfolio... )

- listened to analysts and opinions (I did not buy Apple when it was down to 350 while I really wanted to, just because I kept reading articles and reviews)

- just because the stock reached 52 weeks range low ( I bought Eastman Kodak at their lows but then got greedy and did not sell it when it went up, hoping it would get even higher, and then it became worthless. But I bought KKD at their lowest and then sold them last year with a good profit).

- calculated stocks by Rule#1 (Apple stock again)

- investing $$$ amount every month in a good stock ( Starbucks was a good stock, PEP is still doing good, PM, T is ok but I bought part of stock at high price)

So far I have two strategies which work for me


WOW to Dividend Mantra blog (dividends, IRAs and taxes)

I found this amazing blog. Dividend Mantra

Tuesday, April 15, 2014

Beet roots, sweet potato - healthy and easy way to cook

So healthy, easy and taste good!

 I discovered that the easiest way to cook beet roots and sweet potato is to bake them.

 Just wash each root, wrap in a foil and bake until it ready at 375 F.
 I usually just check it with a fork. Add salt, pepper, butter or cheese on your sweet potato.

 You can chop beet roots on small pieces and add garlic and oil. Or just cut and dip in ranch.


Sunday, April 13, 2014

Healing Cavities? I have to try this!

Healing Cavities??? without dentist????

Its so interesting! I just read this blog

trinaholden.com/healing-cavities-a-true-weve-done-it-story

trinaholden.com/oil-pulling-frequently-asked-questions

It looks like if you swish coconut oil in your mouth for 15-20 minutes every day instead of using toothpaste and tooth brush your can heal cavities...

My Favorite Recipe for Homemade Bread in the Bread Machine

Here is my favorite recipe for Bread in the Bread Machine.

 I like to use my own recipe because this way I know exactly all my ingredients.

2 cups of flour ( I usually use half of whole wheat or add some rye flour)

3/4 teaspoon yeast

1 teaspoon salt

1 tablespoon honey

1 tablespoon butter

1 egg bitten

1/2 cup of water

I put all ingredients in order I wrote it. Then I start my bread machine on regular cycle, its about 2.5 hours.

I hope you will like it too.

Enjoy your bread!

Thursday, April 10, 2014

ATT Data Saving tips

Just got these saving tips from a nice AT&T representative who was helping me to make some changes to my plan.

 AT&T: Data saving tips

Aloe Vera Plant Usage Research

Ok, I have lots of Aloe Vera plants in my garden.

 I know Aloe can be great for your skin - gel from the aloe plant will help with cuts, burns, acne, moisturize and heal skin. I should use it more for skin. 

Healthy Breakfast for Teen - Smoothie

My kids love smoothies. Recently I start making smoothie every morning for breakfast. It takes me just a minute or two to put everything into blender.

You can't make kids to eat so much fruits, even if they like them, especially in the morning.

 Like an example. My kids never like to eat melons, but melons are high in essential vitamins and minerals. Vitamin C, A, Potassium and Lycopene plus they are always on sale at the grocery store. Guess who is putting melons into smoothies every morning now? :)
 I usually clean melon, cut on 6-8 big pieces and keep in a big zip lock bag in the fridge.

 So my morning smoothie contains any fruit or berries we have on hands. But most consistent ingredients are bananas and frozen berries.

Wednesday, April 9, 2014

Healthy Food for today - Chicken Bone Broth and Couscous

Today I cooked Chicken Bone Broth, I learned about couple of months ago.

Making your own broth is very simple and cost effective.

 I usually just use bones from chicken and cook it in my slow cooker almost for entire day.
I add carrots, onions and onions shells, celery. Broth is ready when bones are soft.