adkreativ gear dropping soon!

BIG NEWS! I’ll be dropping MEN, WOMEN, and KIDS gear soon! Stay tuned!

#QuarantineLife — Earn Free Gift cards by doing little to nothing

Now that most of us are in the house on a mandated “Shelter at Home” order, we have a lot of time on our hands. For me, if I’m not cooking, I’m eating, if I’m not eating, I’m putting on my makeup just to hangout in my living room, if I’m not in my living room, I’m shooting hoops in my backyard with my son. If I’m not playing basketball, I’m laying in bed browsing on Amazon. While I’m doing that, why not earn free gift cards and save some money?

We all get a bit hesitant when it comes to earning free gift cards online. But after trying a few apps and websites that claim to reward you with free gift cards, I found two that are completely legit. I always shop on Amazon and I found those $1-$10 Amazon gift cards very useful.


For Apple and Android Users

I’ve been using Panel App for more than a year and I earned at least $100 worth of $1-$2 Amazon gift cards. All you do is download the app ➡️ PANEL APP

All you have to do is download the app, register, take surveys, earn points, then redeem your points for free gift cards or use it to enter sweepstakes for bigger prizes. Once you hit 2000 points, you can redeem it. I usually redeem my points for Amazon gift cards because like I said, I always shop on Amazon. You can also earn points faster if you refer a friend to download the app. The more you refer, the faster you gain points.

Once you redeem your points, you will receive your gift card sometime between 2-3 weeks.

Screenshot from my Amazon Account

MobileXpression – For iPhone or iPad users Only

Yes, this is legit. But spaces are limited. It usually opens up in the beginning of the month, but it’s worth a try. Mobile Xpression is a trusted Market Research Panel designed to understand the trends and behaviors of mobile users. Some people are very hesitant when it comes to downloading unknown software onto their phones, but I’ve been using this for a year and haven’t had any issues or weird glitches on my phone. To redeem, you just need to earn a minimum of 30 points. The panel sends you an email once a week and you tap on the link they provide you to claim your credits. I just redeemed my points for a $5 Amazon Gift card and already earned 15 since then.



Pros: You earn gift cards faster, in as little as a week

Cons: Sometimes they forget to send you your gift card. But all you have to do is send them an email to let them know. Their response time is roughly 24-48 hours.

Well, I hope this information helps save you some money in the future. It has for me. A dollar or two can make a huge difference, especially when you’re struggling to make ends meet. Because for a single mom like me, every dollar OFF any price counts! Save some money, earn those points, but most importantly, please be safe out there!

How to generate passive income

Sounds too good to be true, right? The reality is, nothing great comes easy.

First you have to remind yourself that money doesn’t just fall on your lap without doing any work. This isn’t a get rich quick scheme and I can’t 100% guarantee that these sources will work for you, but I will share with you what has worked for me in the present and in the past. With that being said, not every strategy in this article will be a fit for every person.

When my daughter was diagnosed with brain cancer for the 2nd time in 2018, I had to go on FMLA from my regular job and collect Paid Family Leave. If you’ve been on Paid Family leave in the state of California, we all know that CA barely pays you 75% of your regular salary. The pay cut took a huge hit to my finances which put me in a hole month after month. This was when I decided that I needed to figure out a way to build multiple streams of passive income so I wouldn’t have to worry about being broke in the future. The idea here is to build.

Think about animator and filmmaker, Walt Disney. He experienced many setbacks before he created Mickey Mouse but he never gave up. Even after he created Mickey Mouse in the late 1920s, he still experienced some challenges along the way yet he continued to think of new ideas that may or may not work in his favor. In 1937 Disney developed the full animation feature, “Snow White and the Seven Dwarfs” which became a huge success in the box office. The truth is, everybody will experience a few setbacks in their lives — from investors, small business owners, even street hustlers. But if you stay consistent, disciplined, and dedicated to your craft, you will succeed.

So how do you make money while you sleep? I can’t give out all of my secrets, DUH! But I have to admit, it took me a whole year to figure out the right strategic fit for me and I’m still a work in progress. But I can tell you 3 ways that has helped me get on the right path to financial freedom. I’m still walking that path, but hopefully you can join me and we can learn from each other.

  • Invest in Blue Chip dividend stocks. These stocks are usually strong performance stocks that do well during good and bad times. Think of companies like Coca-Cola (KO), Disney (DIS), and Apple Inc (AAPL). In 2018, at the highest, Apple Inc paid up to $3 per share to its shareholders and according to Yahoo Finance, they are currently paying their shareholders up to $0.77 per share in dividends. If you do the math, lets say that you own 50 shares in Apple stocks $0.77 x 50, you’ve made $38.50 in dividends. Based on my research, I’ve learned that some companies pay dividends every 3-4 months. So what do you do with the money? Well, my friend, the ball is in your court. Some people take the dividends and reinvest. Reinvesting is something I highly recommend. Anyway, I’ll post more about dividends later.
  • E-commerce and Dropshipping: This is HUGE right now. Imagine starting your own online store and selling products that you’re most passionate about or trending. The coolest thing about it, there are companies out there that will ship out the product for you. I have to admit, this will take some work, but it definitely doesn’t hurt spending an hour or two a day focusing on your online store. Shopify is a great way to start.
  • Affiliate marketing. There are companies that will pay you to promote their product. And if that product sells, they will pay you a small percentage from that sale. Sort of like a commission. Amazon has a great affiliate program.

Like I said, one way may be a good fit for you or none at all. These are just a few ways that has helped me generate passive income. It sounds like an easy thing to do just by reading this, but in all honesty, it takes some work. But I do guarantee that once you get into the habit of things and continue to educate yourself more, you will feel more comfortable and it will get easy.

Here’s a bonus, if you like shopping on Amazon, this app will give you free gift cards. I’ve been using this app for 3 years and what I usually do is, redeem my points, stack up on free Amazon gift cards, then use it whenever I want to buy something big on Amazon. A few dollars off does make a difference. I swear it’s not a scam, it’s completely legit, otherwise I wouldn’t recommend it on my website.

It’s called Panel App and you can download it on your phone here: (Note: it is compatible for both Androids and iPhones)

Day and Swing trading, Investing in the Long Term

Disclaimer: I’m still a rookie when it comes to the stock market and I’m just explaining to you what I’ve learned as a rookie investor. This post is mainly for informational purposes. 😃

Warren Buffett, one of the greatest money makers ever!

Even after three years, I still label myself a rookie when it comes to the stock market. I’ve tried day trading, swing trading, and of course, investing in stocks in the long term. Being a single mother of three, I realized that day trading alone wasn’t for me because you’re constantly looking at a computer screen or screens analyzing data – CONSTANTLY.

The New York Stock Exchange opens at 9:30 am EST which means that if you’re a trader from the west coast, you’ll be waking up extra early (I used to wake up at 4:00 am) to skim through your phone for any relevant news, look through all your charts, plan out your trades, or whatever strategy you had mapped out the night before . It’s a lot of work. I was on family medical leave at the time and spent almost seven days a week in a hospital chair analyzing and trading stocks. For those that who have no clue what a share is (I’m sure you do otherwise you wouldn’t be reading this post), basically when you buy a share, you are buying a piece of the company. Which means, you are technically part owner of that major corporation. If that still doesn’t make sense, it’s totally okay. I used to be on the same boat.

There are many platforms where you can buy stocks. If you plan on investing a small amount of money, I recommend an app called Robinhood.

Moving forward, if you’re a newbie to the whole stock market world, here’s what I’ve learned about the differences between day trading, swing trading, and long term buying:

Day Trading:

Day traders normally capitalize on a small movement of a stock. They basically buy shares of a company and if that specific stock goes up, even if it’s for a few cents, they sell, and that’s how they make their profit. Most day traders buy and sell a stock within seconds or even minutes.

Swing Trading

Swing trading is a trading style where an investor purchases the stock, holds the stock for the short term, then sells the stock hoping to make a profit. A swing trader can hold a stock for a period of a few days or a week to a few months. Here’s an example: Let’s say “ABC Corporation” is coming out with a new product. This specific product is all over the media, consumers are anticipating the release of the product and people are talking about it all over social media. A swing trader will purchase a stock from this company during the hype and hope to catch a chunk of the price move once the product releases. Once the stock goes up, the swing trader sells then moves forward onto the next.

Long Term Buying

This is when you purchase stocks and hold it for the long term. And when I say “long term” I’m speaking several years because in my mind, I’m thinking about how the company will do in 3-5 years. Some investors will even hold a stock for up to 10 years. In my opinion, I think 10 years is too long. I mean, how can you think about the future of a company that far ahead? Generally speaking, if you plan on purchasing stocks in the long term, try diversifying your portfolio by purchasing a stock that pays dividends; I explain how dividends work later.

So there you go. If investing in stocks is something you’re interested in, this was just a sneak peak. It took me about a year to understand the lingo, learn how to read charts, and hours of reading. One thing I do want you to know is that you’re never obligated to hold onto a stock. You can sell your shares at anytime. But most importantly, always pay yourself first!