Jazzy Report: Mammograms To Start At age 40

For years people have been suggesting that women begin getting mammograms at age 50. But new guidelines suggest all women begin them at age 40. At age 25 it is recommended that all women undergo a risk assessment.  Ladies, this is extremely important please make sure you’re getting your checkups! Most importantly, if something doesn’t feel right go get it checked!

 

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It’s Friday, May 17, 2019. Here’s what you need to know to start your day.
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How to Start Trading Stocks for Free (and With No Minimum Balance Requirement)

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We all have that friend. The one who’s constantly checking the stock market like it’s a game and mumbling things like, “Ugh, I should’ve traded that yesterday!” You roll your eyes, but you also wonder: What am I missing out on?

Many financial experts encourage young people to invest in the stock market. Sure, it comes with risk, but it could pay out long term.

The only thing is… where do you start?

Lord knows you don’t want to ask that friend. Instead, you can start with as little as $ 1 and open fee-free account with SoFi Active Investing.

Investing for Beginners: Don’t Pay to Play

SoFi Active Investing leans into a “learn by doing” approach. That means you can experiment with buying and trading stocks — no fees and no account minimums attached.

If you buy something and immediately regret it? You can trade it seconds later. No penalty. (Honestly, it’s perfect for those of us with commitment issues.)

But maybe you have questions before you get to the whole buying and trading part… Take all the time you need to explore stocks through your SoFi dashboard.

For example, maybe you’ve heard everyone abuzz about Roku stock. Search for it on your dashboard, and you’ll see that SoFi has outlined the stock’s market price, its performance history and even recent company news hits — everything you need to know to make an informed decision is right there.

Pro tip: Add stocks you’re interested in to your SoFi watchlist. There, you can monitor their daily performances. Like what you’re seeing? Make a move as soon as you’re ready to buy.

If you want some human input? Reach out to a SoFi financial adviser for free via phone, email or chat at any time.

How to Open a Fee-Free Investing Account

Are you ready to give this whole investing thing a try?

Here’s how to start:

  1. Sign up here by clicking “Invest Now.”
  2. Connect your bank account. This will fund your investments. (There are bank-level layers of security, and SoFi won’t store your info, so you’re safe!)
  3. Ready to go? Click “Add Buying Power” to deposit money into your SoFi Active Investing account. Choose a one-time transfer or set up recurring monthly transfers. It’ll take up to four business days for this money to land in your SoFi account.

From there, invest the money from your SoFi account into stocks of your choice.

Don’t feel like you’re marrying these stocks. You can buy and trade fee-free at any time the market’s open, but remember: Some of the smartest investors suggest riding out the market’s ups and downs long term for the greatest gains.

Oh, and if you want to really get serious? Download the SoFi app. Then, when that friend starts talking about stocks, you can add your two cents.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. Her boyfriend inspired the character of that friend in this article.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Here’s How to Start Investing When You Only Have $50 to Spare

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Investing in the stock market might sound like something that only rich people do. But you can start with only $ 50 — and immediately double your money with a $ 50 match.

Swell Investing makes this super easy. You can get started online or through its app with $ 50 — the cost of a dinner for two at Olive Garden. Plus, when you invest $ 50, Swell will immediately match that with a $ 50 bonus! Just use the code PENNY after making your initial investment.

This is a much lower minimum than traditional investment companies will require for you to start investing — so you don’t have to be Warren Buffett or Thurston Howell III to become an investor with Swell.

Invest in Causes You Care About

If you’d like to be a socially conscious investor, Swell lets you support companies that share your values. Swell is an SEC-registered investment adviser with a socially responsible philosophy. It only invests in sustainable companies that are committed to solving global challenges.

With Swell, you can invest in any of seven portfolios of stocks that align with the United Nations Sustainable Development Goals: Clean Water, Disease Eradication, Green Tech, Healthy Living, Renewable Energy, Zero Waste or Swell’s Impact 400.

Each thematic portfolio includes 40 to 70 companies making a positive impact in these areas. Additionally, the Impact 400 portfolio features 400 companies across multiple sectors.

You can choose a custom blend of portfolios to invest. Or, to make things even simpler, Swell has created predetermined mixes of multiple stock portfolios. The mixes have names like the Environmentalist, the Generalist and the Tech Optimist. This way, you don’t have to choose yourself how to allocate your investment from scratch.

Now, just because you’d like to save the Earth, that doesn’t mean you can’t make some money at the same time.

Swell’s website and its iOS app make it easy to track each portfolio’s performance and change in value over the past week, month, six months, year — or all the way back to Swell’s launch in 2016.

No one can ever guarantee you a certain rate of return. But historically, investing in the stock market has shown to grow your money faster than keeping it in a savings account. If you want to start saving for retirement — or just save for the future — it’s best to start growing your money as quickly as possible.

Save Money by Avoiding Sneaky Fees

Through Swell, you get to invest in companies that share your morals. You probably wouldn’t want to invest in a company that’s destroying our oceans or cheating the system. With traditional investing you might be. For example, the top five retirement funds in the U.S. support oil companies.

Swell’s fee structure is simple. It won’t change depending on the product you use or the portfolio you invest in.

For example, Swell doesn’t charge any trading fees, there are no price tiers or expense ratios, and you won’t find any other obscure fees that might catch new investors by surprise. To save you from these hassles, it simply charges a 0.75% annual fee. For example, if you invest $ 500, that’s about the cost of one latte ($ 3.75) per year.

Depending on how much you invest, you could ultimately save hundreds of dollars this way. A traditional brick-and-mortar investment firm will charge you fees based on how much stock you own, how often you trade stocks and other factors.

So, got $ 50? Bingo! Just like that, you’re a member of the investor class.

Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Jeff Bezos’ Blue Origin Plans to Start Colonizing the Moon

Photo Illustration by Kelly Caminero/The Daily Beast/Getty

Billionaire Jeff Bezos made a rare public appearance in Washington, D.C. on Thursday to make a startling pitch: It’s time for humans to start colonizing the moon—and soon.

The founder of Amazon explained that his call for a permanent extraterrestrial population is rooted in his belief that Earth alone cannot sustainably feed, shelter and power billions of human beings.

“Earth is the best planet,” Bezos quipped. “It is not close. This one is really good. Don’t even get me started on Venus.”

Read more at The Daily Beast.

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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‘Start Here’: Executive privilege, Colorado shooting heroes, Trump’s taxes

It’s Thursday, May 9, 2019. Here’s what you need to know to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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‘Start Here’: Mueller objects to Barr’s summary of his findings, chaos in Venezuela

It’s Wednesday, May 1, 2019. Here’s what you need to know to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

John Singleton’s Boyz n the Hood Was Just the Start of a Fearless, Trailblazing Career

The Oscars So White debacle of 2015 opened a galvanizing conversation about how filmmakers of color might carve out greater opportunity in Hollywood. But John Singleton, who died Monday at age 51 following a stroke, was at the forefront of that battle long before we had a hashtag for it, ushering in a new era of creativity and boldness among black filmmakers. He showed through his work just how boundless the possibilities were.

Singleton’s 1991 debut Boyz n the Hood—starring Cuba Gooding Jr. and Ice Cube as young men coming of age in South Central Los Angeles, where Singleton himself grew up—dealt frankly with inner-city violence, facing the prevalence of guns and drugs head-on. But to say the movie is “about” violence is to grossly oversimplify it. Singleton, barely into his 20s when he wrote and directed the film, told a story about the tragedy of black men killing one another—but even that was only a small story within a bigger story. Boyz n the Hood is also about parents who strive to raise their kids with sturdy values, about neighborhoods where lawns are kept impeccably tidy as a point of pride. About young people who want to do what’s right, even when circumstances threaten to pull them in another direction. Although Boyz n the Hood is set in a specific time and place, it’s a story that’s universal—and so beautifully and astutely made that it still feels fresh nearly 30 years later.

Pool ARNAL/GARCIA/PICOT/Gamma-Rapho via Getty ImagesActor and rapper Ice Cube with John Singleton, director of ‘Boyz N the Hood’ at Cannes in May 1991 in France.

Boyz n the Hood screened in the Un Certain Regard section at Cannes in 1991, where it received a 20-minute standing ovation. It was nominated for two Academy Awards, one for screenplay and one for direction. Singleton was the youngest person to be nominated for Best Director, and also the first African-American. As an emerging black filmmaker dealing with societal issues in the early 1990s, Singleton was hardly alone: Mario Van Peebles, Matty Rich, and Albert and Allen Hughes—among others—hit the scene at the same time, and Spike Lee had already broken through with his 1986 She’s Gotta Have It. But Singleton, unlike some of those other filmmakers (Lee one of the obvious exceptions), forged a long-lasting and varied career for himself as a director, writer and producer, both in film and, more recently, in television. He was one of the creators of Snowfall, set in the early days of the crack cocaine epidemic in Los Angeles in the 1980s.

He forged a career out of taking chances. In 2000 he mounted a remake of the blaxploitation favorite Shaft, starring Samuel L. Jackson, reworking the material into a brutal but effective vigilante story in which a spoiled white rich kid (Christian Bale) struts around thinking he can get away with murdering a black man, until the hero puts him straight. Singleton’s Shaft was a rough breath of fresh air in Rudy Giuliani’s New York—not a picture that pitted black against white, but a revenge fantasy that, in its blunt vision, showed how violence serves no one, and looking for one place (or one race) on which to lay blame is no solution at all.

John Singleton
Nick Ut—APDirector John Singleton touches his new star on the Hollywood Walk of Fame in Los Angeles, Tuesday, Aug. 26, 2003.

Singleton was just as fearless as a producer of other filmmakers’ work, like Craig Brewer’s atmospheric 2005 love letter to Memphis, Hustle & Flow, starring Terrence Howard as a complex and not always likable small-time drug dealer and pimp. In 2007 Singleton went on to produce Brewer’s even more daring Black Snake Moan, in which Jackson plays a disillusioned, God-fearing juke-joint bluesman who sets out to redeem a sort of fallen angel, played by Christina Ricci. At one point, Jackson’s character chains Ricci’s to a radiator, as part of an effort to rid her of the demons that he believes plague her. That’s a pulpy, sensationalistic image, but once we’re lured in, we see the movie’s soul: This is really a fable about damaged people helping one another to become their best selves.

Singleton saw that kind of complexity everywhere. That’s because it was more important for him to see people than to just tackle issues. In an extraordinary scene from Boyz n the Hood, Laurence Fishburne’s Furious Styles, the father of Gooding’s character, Tre, drives Tre and his friend out to Compton and points out a billboard advertising “cash for your home.” Other young people from the neighborhood, and one old man, gather round as Furious—a veteran who’s now a businessman—uses the billboard to craft a lesson about gentrification and the importance of keeping black neighborhoods alive with black-owned businesses. He also explains how the white power structure distorts the reality of black communities to its benefit.

It’s one of those scenes that’s potentially deadly: Done wrong, it could be didactic and preachy. But Singleton’s conviction, channeled through Fishburne, is a rippling electric charge, and yet another indication of his fearlessness as a filmmaker. Singleton spoke volumes through his movies, and through the projects of others that he helped bring to life. But he also spoke like a man who knew how to listen—one who knew that listening, not just talking, is the way to keep the conversation going, and the only path to fixing a world that can sometimes feel irreparably broken.


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How to Invest Even if You Have No Idea Where to Start

Let’s be honest: Investing is kind of scary.

The stock market itself is difficult to understand — you earn money by spending money? And it’s not even necessarily real money, but this virtual number that moves and shifts on a moment-to-moment basis?

Seriously, who thinks this is a good idea?

Well, as it turns out, just about every single financial professional — as well as the army of everyday people who’ve used the power of compound interest to fund major financial goals, like home ownership and retirement.

There’s a reason a 401(k) account is one of the most common workplace perks: You pretty much need to invest if you’re going to build a big enough nest egg to one day throw in the towel.

Investing is also one of the easiest ways to earn passive income — that is, making money without putting in any extra hours at work. Once you set up your investment portfolio, it takes relatively little management to see significant returns: The average investor has seen 10% growth annually over the last hundred years.

So what’s the best way to get started with your own investments? And what do you need to know before you take the big leap? Is it actually possible to start an investment portfolio from a smartphone app, and should you?

Hang on tight, Penny Hoarders. We’re going to dive into all of that and more.

Getting Started: What is Investing?

Before we dig into the nitty-gritty of how to get started on your own investments, let’s clarify some basic terms.

Investing is spending money on something — be it a share of a company on the stock market, a house, or a painting — in the hopes that its value will grow. If it does, the investor can later sell the item, also referred to as an asset, and earn a profit.

There are four main types of investments, which are also referred to as asset classes.

  1. Stocks, otherwise known as equity investments
  2. Fixed-income investments, like bonds
  3. Money market or cash equivalent investments
  4. Property, including real estate and other tangible assets

Stocks

These are probably what you think of when you think of the stock market: shares, or fractions of ownership, of publicly traded companies, which increase in value as the company performs well and earns a profit.

Shareholders are paid dividends when this occurs, but are, of course, also vulnerable to downswings in the market — and the possibility of the company performing poorly or even going out of business.

Mutual funds and ETFs, which are pre-built pools of investment options, are also grouped under this asset class, though they sometimes include bonds and other types of securities. (We’ll go into more detail on mutual funds and ETFs below.)

Fixed-Income Investments

These are investments that offer a prearranged, fixed interest rate and usually pay at regular intervals or after a set amount of time. Bonds are the most common example. When you purchase a government bond, specifically, you’re actually giving the government a loan, which it agrees to repay after a certain amount of time (the bond’s “maturity”) at a set interest rate.

Bonds are considered safer investments than stocks, which are more vulnerable to shifts in the market.

Money Market or Cash Equivalent Investments

These are highly liquid (meaning they can quickly be converted to cash), short-term investments, like CDs (certificates of deposit) or short-term debt securities, like U.S. Treasury bills. This asset class offers relatively little growth — meaning you aren’t likely to reap a big profit quickly — but also comes at a relatively low risk.

Property

It’s just what it sounds like: tangible, physical investments, like real estate or fine art, which can appreciate (read: grow) in value over time.

(Psst: depreciation is the opposite, when a tangible asset loses value over time. One of the biggest culprits? Cars, trucks or SUVs, which can lose as much as 10% of their value annually, according to Carfax.)

For the purposes of this post, we’re going to focus primarily on stock market investments, as these are the most accessible to — and rewarding for — average folks. But we’ll also briefly cover property investments, including bitcoin. (Yes, it’s still a thing — and yes, we know you’re curious!)

Why Should You Invest?

A person saving money into a piggy bank

One thing we should make clear: Even the “safest” investment options do carry some risk. There’s no such thing as a sure investment.

For that reason, many savers feel a lot more comfortable stashing their cash in a low-interest savings account… or even under their mattress in the form of paper bills. But investing is one of the easiest ways to earn a passive income — and if you want to build serious wealth, the stock market is the surest-fire place to make it happen.

Malik S. Lee, a Certified Financial Planner and the founder of Atlanta-based Felton & Peel Wealth Management, understands why some people are reluctant to enter the market. But he also knows it’s imperative for meeting many common financial goals.

Maintain the Value of Your Money

In fact, if you take inflation into account, investing isn’t just a way to grow your money — it’s a necessary measure to maintain its current value.

According to Lee, inflation has historically averaged between 4-5%, and so over the course of 20 or 30 years, that can make a big difference.

“If you would like your money to spend the same way then that it’s spending today, you’ll need the power of the stock market,” Lee said.

Even a low-growth investment like a CD might actually net you a negative return, given today’s rate of inflation.

And, of course, it’s important to remember that investing is all about playing the long game. Yes, you’ll likely see some scary stock market headlines over the course of your investment career. But so long as you hold tight and don’t run for the hills, the overall odds are in your favor.

Make Money on Your Money

The average investor who reinvests dividends within a broad-based index, such as the S&P 500, has a 94% chance of positive return over 10 years, according to Lee. If you extend that timeline to 20 years, investors can increase that chance to 99%.

“If you invest for the long term, your chances of obtaining a positive return increase dramatically,” Lee said.

In other words: when it comes to investing, “keep calm and carry on.”

But first, you have to cough up the ante!

How Do You Get Started Investing?

If you’ve read this far, you’re (hopefully) at least a little more comfortable with the lingo, and convinced that investing is the way to go if you want your money to be fruitful and multiply.

So now, how do you get started on your own investments? And what if you don’t have very much money to get started with?

1. Choose an Investment Vehicle

First things first: you’ll need to decide on what type of investment account best fits your needs. A variety of different account types, or “investment vehicles,” correspond to different financial goals, some of which carry special tax incentives when used correctly.

For instance, if you’re investing to save for retirement, an account like a401(k) or traditional IRA allows you to make tax-deferred contributions, which can help lower the amount you pay in income tax today while simultaneously building your nest egg for later.

A Roth IRA works a little differently: your contributions are taxed today, but then grow, and are more importantly withdrawn, tax-free thereafter.

These retirement accounts do come with certain IRS regulations, including strict rules regarding when the funds can be taken out. (The short story: you’ll have to wait until age 59.5, with a few circumstantial exceptions.)

There are also investment accounts geared specifically toward paying for college (529 plans) and health care (HSAs, or health savings accounts), which carry similar restrictions.

The most flexible option: opening a plain-old individual investment account, which allows you to withdraw your funds at any time to pay for miscellaneous objectives.

Even then, it’s a much better idea to leave your contributions invested as long as possible — not only to maximize your returns through compound interest, but also to avoid short-term capital gains taxes, which can be levied at a higher rate than what you’d pay on long-term holdings.

Taking a look at your own financial timeline and plans for your future can help you decide which type of investment vehicle is right for you.

Our suggestion? If your workplace offers access to a 401(k), start there — and if there’s a percentage match on offer, be sure to take advantage of it. Your contributions will be deducted directly from your wages and are tax-deductible, so it’s a pretty pain-free way to get started.

Then, you can consider opening an auxiliary account — whether that means accelerating your retirement savings with an IRA or investing your pocket change with a digital app like Stash.

Speaking of which…

2. Open a Brokerage Account (or Download an App, or…)

If you’d asked somebody how to invest in stocks 20 years ago, you would have gotten one resounding answer: Call up a stockbroker and place your order. I mean, you’ve seen “Wolf of Wall Street,” right?

Fortunately today’s technology has transformed the investment landscape, creating a spectrum of easily accessible options regardless of how hands-on you want to be with your portfolio.

Of course, you can still hire a full-service brokerage, like Morgan Stanley, staffed by investment advisers who will allocate your assets and manage your account for you, insofar as you allow it.

While you’ll always maintain the final say-so, you can offload the research and strategizing to someone who does it for a living. And if you don’t want to pick up the phone, you’ll find a huge range of features and resources available through the firm’s online client portal.

This kind of hands-on, human-powered advice does come at a cost, though — usually expressed as a percentage of your assets under management (AUM). These firms may also have lofty minimum account balances, so you’ll probably need to deposit a significant chunk of change (think: several thousand dollars) to get started.

Another option for those who want to do as little research as possible is to open an account with a robo-adviser , like Betterment or Robinhood. These companies use computer algorithms (backed by human research) to create and manage portfolios for their clients, and thus are able to offer their services at a much lower fee than a human investment adviser.

If you’re looking for a more hands-on experience, you can open a DIY brokerage account through a firm like TD Ameritrade. Many of these brokerages offer free accounts with low or no account minimums, but you will be on the hook to pay for trade fees and commissions on the assets you buy or sell — and to do the research to make those trades good ones.

Finally, there’s a growing class of investment apps, like Stash and Acorns, that make it simple to invest right from your cell phone, even if you have very little cash to get started with.

Stash, for instance, will let you open an account with just $ 5, and Acorns uses “round-ups” to slowly grow your account with spare change you’ll barely even notice has gone missing from your bank account.

3. Research Your Investment Options

Having an active investment account is a good start, but it’s not enough. Now it’s time for the real fun: actually investing your money!

Of course, as we mentioned above, investing is risky. You don’t want to just throw your money into any old set of stocks.

And by the way, stocks aren’t the only asset you should look at: You’ll also want to consider adding some bonds and mutual funds to the mix.

“Baskets” of Assets: Mutual Funds and ETFs

So what, exactly, is a mutual fund? As mentioned above, a mutual fund as pre-built set of stock market assets — which means it’s an easy way to bring diversification into your portfolio.

Diversification is uber-important when you’re investing, and the reason why can be summed up in a well-worn cliche: You don’t want to carry all of your eggs in the same basket.

By investing across a wide range of asset types, including companies in different industries and locations, you can help safeguard your portfolio against a total meltdown should any one sector have a downturn.

Mutual funds are usually put together and managed by a financial professional or firm, and require a significant minimum investment — often $ 3,000 or more depending on the management company.

There are, however, mutual fund companies that offer lower minimums for beginners; Vanguard’s STAR Fund, for instance, carries a minimum initial investment of $ 1,000.

ETFs, or exchange-traded funds, are similar to mutual funds in that they bundle a range of investment products in one simple asset, but in general they’re not actively managed by a human being — which means they carry lower expense ratios than mutual funds do. And unlike mutual funds, you can buy ETFs on the market directly just like you would shares of stock; an ETF’s price varies based on market value, just like stocks do, and there’s no expensive minimum buy-in amount.

How Much Control Do You Want?

The specific type of investment account you choose will depend on how much control you want.

For example, the average 401(k) plan only offers about a dozen different investment options, often exclusively made up of mutual funds. But if you open an IRA through a brokerage, you’ll have access to the whole wide (and sometimes overwhelming) world of the stock market.

Many of the investment apps on the market deal exclusively with ETFs, though you may be able to choose specific investment options based on your financial goals or values. For example, Stash offers ETFs that specifically back companies that support green initiatives and LGBT equality, and also allows you to buy fractional shares of individual stocks at major companies, like Amazon.

Determining the Best Assets for Your Portfolio

Once you have an understanding of what your account offers, you can start to look into the specifics of individual assets.

Note: We are not investment experts, and are in no way shelling out any specific investment advice here at The Penny Hoarder, but we can help explain how to do the research.

For one thing, you can look up the historical performance of a prospective asset by searching its ticker symbol — that three- or four-character abbreviation next to its full name — through an investment research firm like Morningstar. (Honestly, these days, you can also just use Google.)

And if you have your heart set on investing in a particular company or industry, it’s worth doing some additional homework.

For example, major companies like Amazon issue quarterly results and annual reports for shareholders, all of which are available to the public and can give you an idea of how well those stocks are performing. Want to put your money behind, say, medical marijuana? Keeping tabs on legalization proceedings could work to your benefit.

Finally, don’t forget the golden rule of investing: diversify, diversify, diversify! Purchasing assets across a wide range of industries and classes can help you ride out market turbulence.

4. Contribute to Your Investment Account Regularly

The power of compound interest means your money makes money… so you need to make sure you keep putting money into your account! The more you invest, the more you’ll earn, and it’s all too easy to stop, or “forget about,” making contributions.

Your 401(k) will defer your wages automatically with each pay period, but if you have a separate account with a brokerage, we recommend setting up regular, automatic withdrawals.

Pro Tip

Even saving $ 10 a week adds up to a contribution of more than $ 500 in a year’s time — which could easily become a hefty four-figure sum over the course of a decade.

Play around with a compound interest calculator to see how quickly that petty cash can grow. For instance, given a modest interest rate of 6% and a 10-year timeline, your $ 10 a week would grow to about $ 7,200 — and about $ 2,000 of that would be interest, passive income earned at no extra effort of yours.

Mobile investing apps make this even easier, often allowing you to connect your primary spending accounts and “round up” each dollar, essentially investing the spare change you wouldn’t miss anyway.

5. Keep an Eye on Your Portfolio’s Performance — But Don’t Get Hasty!

The long-term, “buy and hold” investment strategy doesn’t mean you should ignore your portfolio entirely, of course. Sometimes, making performance-based changes can increase your returns… but again, reacting to scary headlines is short-sighted.

The best way to get help with allocating your assets is to talk to a financial professional, but keep in mind that even they can’t predict the future. That said, if you notice one of your holdings continually underperforming, it might be worthwhile to seek out a different option.

Alternatives to Investing in the Stock Market

A house is built out of blocks.

We’ve covered investing in the stock market, which may be the most accessible way to start earning passive income, but other ways to invest may better fit your financial goals.

Property investments can be a viable alternative to stock investments, especially if you’re not super jazzed about putting your money behind virtual ownership. Having a tangible item, be it a piece of real estate, a bar of gold, or a hand-crafted urn, can feel a lot more reliable than watching numbers inflate and deflate online.

Of course, this investment strategy requires a lot of knowledge to pull off successfully. You need to be able to identify what goods or properties will increase in value over time.

Real estate is a relatively low-risk asset — though, as evidenced by the 2008 fiasco, even that’s not foolproof. But if you want to learn more (or get started even if you don’t have the kind of cash to make a down payment), check out our guide to real estate investing.

If you’re wondering about bitcoin, that’s basically a form of property investment, too: Investors might purchase a bitcoin — or, more realistically, part of one, now that they’re worth over $ 3,500 apiece? — not to spend it as currency, but rather in the hopes that its dollar value keeps increasing.

For more information on exactly how this weird cryptocurrency thing works, learn how bitcoin works from this post, written by one of our bravest (and most articulate) writers.

Finally, CDs and money market accounts are low-risk investment vehicles available through most banks and large financial firms. They offer higher yields than the average savings account without exposing your money to the whims of the market.

But as we said above, safety doesn’t necessarily mean success… and you could be missing out on more significant returns if you’d invested those funds in the stock market. Even the highest-yield CDs rarely offer more than 3% APY.

Scary though it may seem, stock market investing isn’t actually a bogeyman — and in fact, getting familiar with it is the best way to catapult your finances from “just fine” to “phenomenal.”

Good luck on the trading floor, Penny Hoarders. And don’t forget: keep calm, and stay invested!

Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool, Roads & Kingdoms and other outlets. Learn more at www.jamiecattanach.com.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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These 11 Tips Will Help You Get Financing to Start a Small Business

For entrepreneurs, obtaining the right amount of funding can mean the difference between success and failure when launching a small business.

But for newbies, knowing how and where to find working capital can be an intimidating process. So, where do you start? There are several ways entrepreneurs can obtain money to fund the launch, expansion of day-to-day operations and cash flow of their small businesses.

Each method comes with its own pros and cons based on several factors, including the age of the business and the financial history of the borrower.

11 Ways to Obtain Small Business Funding

Below is a list of 11 ways entrepreneurs can obtain small-business financing. This ranking is based on ease of access, as some options might not be available to business owners with no prior experience or to people launching startups.

1. Bootstrapping

A woman counts money

With bootstrapping, entrepreneurs launch their businesses using as little external capital, such as loans, as possible. The funds come from either personal finances, such as selling assets, using savings or credit cards or from using revenue from the business once it gets going.

This is a very lean method of running a business, as entrepreneurs find the least expensive way to make a viable product or service. If you do choose to empty your savings or use credit cards to fund your business, be careful because there is no guarantee the business will pan out.

Nikki Larchar and her business partner, Tina Todd, bootstrapped their company by pooling their finances and launching the human resources consulting firm SimplyHR about 2 1/2 years ago. She believes bootstrapping her business instead of getting a loan is a significant reason why she was able to turn a profit within a year after launching.

“For us, it’s been monumental being able to grow the business how we want to grow it and not have a looming loan over our head,” she says.

Pro: Avoids starting your business in debt.
Con: Not an option if you don’t have assets to sell or personal savings to use.

2. Crowdfunding Platforms

Due to the rise in popularity of sites such as Indiegogo and Kickstarter, crowdfunding sites have become a more mainstream way to gain capital for a business, service or product.

Here’s how it works: Entrepreneurs and small business owners create a 30-day fundraising campaign seeking investors in the company or project instead of going to a bank for money.

Usually, business owners reward individual investors with some kind of gift, product discount or, sometimes, equity in the company.

Last year, Larchar used Kickstarter to raise $ 10,200 to fund a comic book that human resources departments could use to teach employees about sexual harassment policies. They met their goal and launched in January 2019.

“[W]e were able to fully jump into the project a lot quicker than we would have otherwise,” she says.

Pro: Can generate buzz for your business while raising funds.
Con: No guarantee of hitting your desired funding goal.   

3. Product Pre-Sales

An easy way to acquire funds if you’re operating a small business selling products is to hold a pre-sale in which customers pay for goods up-front. The business owner can use the money raised to fund the manufacturing of the initial batch of products.

“Product pre-sales is such a great strategy because you’ve just proven the customers want your product,” says Kedma Ough, the statewide innovation director for America’s Small Business Development Centers in Oregon.

Pro: Can help alleviate some of the upfront costs of making the products.
Con: Not a viable option for service-based businesses.

4. Friends and Family

Friends and family may be a potential source for financial capital for your small business, but be warned: If the business doesn’t make it or falls on hard times, it might destroy the personal relationship.

Ough says she’s witnessed many cases where family members stopped speaking to each other because they went into business and things went south. “It doesn’t mean it can’t work, but I’ve seen enough in my lifetime [that] it’ll break your heart,” she says.

Pro: Easily accessible.
Con: May ruin relationships if the business fails.

5. Partners

Two businessmen hold a meeting.

Taking on a business partner can be a way to secure funding in exchange for equity in your company. Depending on the arrangement, the partner might be an employee, someone not involved with day-to-day operations or just an investor.

If you are considering taking on a partner, write down every detail of the business partnership, preferably with the help of a lawyer. Define clear expectations and boundaries of what each partner can expect while running the business and worst-case scenarios of how the business would dissolve in the case of a partner dying or wanting to be bought out of the business.

“Make sure all that is dialed in before you go into partnership,” Ough says.
Pro: Can offer funding and business support without family connections.
Con: All partners need to have defined roles and expectations to avoid conflicts.

6. Small Business Grants

Small business grants come from a variety of sources, including government agencies, nonprofit and for-profit companies. Government agency grants tend to have the most narrow eligibility requirements, as they often focus on businesses in the science, technology or energy industries that will bring direct growth to the community.

Grants from nonprofits may focus on specific types of business owners, such as women, minorities or veterans. Grants from for-profit companies often have the widest eligibility requirements and may be given out based on merit or by completing an application.

Your local Chamber of Commerce may have information on small business grants available in your area. The only catch is everyone wants free money, so these grants can be hard to come by.

“[Government grants are] definitely not something that most small businesses are able to get funding through,” says Priyanka Prakash, a senior staff writer at Fundera. “But if you think you meet the requirements, definitely spend time putting the application materials together because if you win, you get free money and it’s an amazing way to start out.”

Pro: Who doesn’t love free money?
Con: Highly competitive.

7. Angel Investors

Just as the name suggests, the idea of having a wealthy investor come in and fund a startup can sound like the answer to an entrepreneur’s prayers. Angel investors can be affluent people or groups looking to fund startups.

P. Simon Mahler, a small business mentor with Score, a non-profit that advises small businesses, says people can search for angel investors by industry and by location — one such way is by browsing Angel Capital Association’s national directory of angel investors and firms.

Once you find a potential investor, it’s a long, thorough interview process with the entrepreneur and that person’s entire business team to make sure the business is viable.

“They’re very conservative, very selective as to who and why they invest in certain businesses,” Mahler says. “They want the sure thing.”

Pro: Having a benefactor can alleviate funding headaches.
Con: Can be a slow, difficult process to get the money.

8. Venture Capital

Similar to angel investors, venture capital firms also provide funding to small businesses and startups early on in development. The difference is the speed with which they operate and what they ask for in return. But that speed comes at a price.

Mahler says venture capital firms are very niche in what they invest in and are aggressive once they decide to invest. For example, angels may offer advice with their funding, while venture capitalists may ask for equity in your company and request specific changes in your business model.

“You’re giving away a lot to get a lot,” he says. “That’s what a lot of people struggle with is that it sounds good to have VC [venture capital] money, but you’re giving away a huge chunk of the ownership stake in your business.”

If you think your business may be of interest to such firms, start by asking your network for personal recommendations. You can also opt to make a profile for your business on AngelList — a national platform for job seekers, angel investors, entrepreneurs and venture capitalists alike.

Pro: May be quicker than using an angel investor to obtain large amounts of money.
Con: May have to give up a big piece of ownership stake to get the funds.

9. Online Alternative Lenders

Online alternative lenders have become a popular business financing option versus getting capital from traditional bank loans. Online alternative lending companies, such as Kabbage, OnDeck or BlueVine, are a convenient and fast way to get funds. There is no need to go to a bank to apply as everything is done online and funds can be deposited in a couple of business days.

Just like loans, online alternative lenders also offer business lines of credit, where instead of providing one lump sum of money up-front, you can use as much or as little as you need within your limit.

But the downside to using one of these lenders is that doing so can be an expensive way to borrow money. Prakash says the interest rate of a bank loan may be 7%-8% while these online lenders may charge up to 60%-70% in interests.

“It’s definitely a trade-off between how quickly or badly you need the capital versus how much you’re willing to pay for it,” she says.

Pros: Easy application process, faster way to get funds.
Con: High-interest rates.

10. SBA Loans

The U.S. Small Business Administration has a program to help business people get financing after they demonstrate success for a few years. SBA loans come with a guarantee that the loan will be repaid to the lender. If the business fails to pay back the loan, the government will pay the lender, which could be, for example, a traditional bank.

“It’s a way to take some of the risk off the lender, and it encourages banks to lend to more small businesses,” Prakash says.

The only catch is these loans are rather difficult to obtain for startups. “If your business is a couple of years old and generating good revenue and is close to a profit, then it’s a much more viable option for a small business loan,” she says. You can go to SBA.gov to find out if you qualify for an SBA loan.

Pro: Takes the pressure off the small business if the loan can’t be repaid.
Con: Not easy to get for startups.

11. Banks

Buildings with bank names are pictured

For entrepreneurs with not much experience under their belts, the most obvious place to obtain a business loan might not be the place to go.

Traditional banks want to make sure they’ll get their money back, so they’ll only work with what they’d consider a sure thing. This means unless you’ve been in business for a few years or have a track record of successfully starting small businesses, banks may not consider you for a loan.

Pro: Lower interest rates than online lenders.
Con: May not lend to newer businesses or startups.

What if You Have Bad Credit?

For people with a not-so-stellar credit score, there is still hope for launching a small business.

Funding options such as bootstrapping, loans from family and friends, crowdfunding and online alternative lenders might be the route you have to take because bank and SBA loans could be off the table initially.

You may have to pay more now, which is the case when using an alternative online lender with a high interest rate, but more affordable options may become available in the future.

Matt Reinstetle is a former staff writer at The Penny Hoarder. Adam Hardy contributed to this post.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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4 Budgeting Methods to Try if You Don’t Know How to Start Saving

It sucks to wonder where all your money went at the end of the month. Even worse is wondering how all your money is gone when you still have a week left until payday.

If you’ve added up some receipts, you might be flabbergasted by how much you spend on food, clothes or your kids’ activities.

A budget can help. Budgets are designed to keep you on top of the money that comes in and the money that goes out.

But there isn’t just one simple way to budget; budget styles vary considerably. What works for you will depend on your goals and how you prefer to track your finances.

So let’s break down some popular budgeting methods, and you can choose one that’s right for you.

Budgeting Method No. 1: The 50/30/20 Method

Have you ever asked yourself how much you should be spending on necessities as opposed to the stuff you want? Have you wondered what portion of your paycheck should be going to better your financial future? The 50/30/20 budget might be right for you.

How to Budget Using the 50/30/20 Method

Divvy up your money so that 50% of your income goes to covering the essentials, 30% goes to buying what you really enjoy and 20% goes to meeting financial goals.

Let’s say your take-home pay is $ 3,000 per month. That breaks down to $ 1,500 for the essentials, $ 900 for whatever you desire and $ 600 for financial goals.

Some of the necessities you’d spend $ 1,500 on could include:

  • Rent/mortgage
  • Insurance
  • Utilities
  • Internet
  • Phone bill
  • Minimum credit card payments
  • Student loan payments
  • Food
  • Car note
  • Gas

You should allocate $ 900 to spend on the fun stuff:

  • Hulu/Netflix.
  • Dining out
  • Vacations
  • Date nights
  • Movies
  • Clothing
  • Accessories
  • Makeup
  • Magazines
  • Sporting events
  • Concerts

That leaves you with $ 600 to put toward things like:

  • Emergency fund
  • Short-term savings
  • 401(k) or IRAs
  • 529 college savings plan
  • Extra payments on your credit cards

With the 50/30/20 method, you don’t have to lay out how much you’ll spend in individual categories. For instance, you don’t need to set a spending limit on groceries or a cap on how much you spend on date nights as long as your spending stays within the established percentage brackets.

If you like the idea of the 50/30/20 method but can’t stick to those exact percentages, you can also tweak the numbers a bit.

One Penny Hoarder shared with us how her financial adviser recommended she work from a 60/20/20 budget — where 60% is spent on essentials, 20% is saved and another 20% can be spent on fun stuff.

Is the 50/30/20 Method Right for You?

This method is a great fit for people who need guidance on balancing saving, investing and repaying debt.

If you tend to go overboard with your discretionary spending, this budget will keep you in line without making you feel like you have to sacrifice the things you want.

After all, 30% is a pretty generous allotment for fun spending.

Budgeting Method No. 2: The Zero-Based Budget

Type A folks, rejoice. The zero-based budget lays out a plan for every dollar you make, putting you in control of it all.

How to Budget Using the Zero-Based Budget

The goal is to make sure your monthly income minus your monthly expenses (including allocations like putting money in savings or investment accounts) equals zero. There should be no money left over at the end of the month — and no spending more than you bring in.

To get started, analyze your bank statements, credit card statements and receipts from the past few months to get a sense of how much you spend in the budget categories that apply to your life.

Next, assign a spending limit to each of those budget categories. You may need to play around with the numbers a bit until the amount of money you have going out equals the amount of money you have coming in.

Here’s an example of what your budget might look like:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

  • Rent: $ 900
  • Utilities: $ 150
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 150
  • Credit card debt: $ 100
  • Car note: $ 300
  • Insurance: $ 150
  • Groceries: $ 300
  • Gas: $ 100
  • Dining out: $ 150
  • Entertainment: $ 100
  • Gifts: $ 50
  • Personal care items: $ 100
  • Gym membership: $ 50
  • Streaming services: $ 15
  • Cleaning supplies: $ 15
  • Clothing: $ 70
  • Savings: $ 150

Total expenses $ 3,000

Is a Zero-Based Budget Right For You?

The zero-based budget is perfect for budgeters who want to be intentional about every dollar. It’ll help you become hyperaware of your finances.

This budget may even tip you off to where your financial problems lie — whether you’re simply not making enough money or you’re spending too much in a certain budget category.

Budgeting Method No. 3: Bare-Bones Budgeting

Sometimes, you just gotta trim all the fat from your budget and focus on the basics. It’s not deprivation. It’s discipline.

How to Budget Using Bare-Bones Budgeting

This budgeting method is pretty self-explanatory. With a bare-bones budget, you cover only the expenses that are absolutely necessary. Whatever is left over, you save.

Your budget might look something like this:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

  • Rent: $ 900
  • Utilities : $ 150
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 150
  • Credit card debt: $ 100
  • Car note: $ 300
  • Insurance: $ 150
  • Groceries: $ 300
  • Gas: $ 100
  • Savings: $ 700

Total expenses $ 3,000

Is Bare-Bones Budgeting Right for You?

The bare-bones method is helpful for budgeters who are really looking to bulk up their savings — or perhaps aggressively pay down debt, like this woman who paid off $ 68,000 of debt with a bare-bones budget.

The bare-bones method can help anyone needing a spending reset. It can also be helpful to those trying to manage their money on a low income or those with a ton of essential expenses to account for.

Budgeting Method No. 4: 60% Solution

Sure, it’s smart to prioritize the essentials. But what about those expenses that aren’t vital but that we consider very important to our lives? The 60% solution gives value to that type of spending.

How to Budget Using the 60% Solution

This budgeting method is similar to the 50/30/20 method, but the rules are a bit different. With the 60% solution, you’re budgeting 60% of your income on expenses you’re committed to. That includes essential spending plus those expenses that are most important to you, such as your kid’s activities, a personal trainer, dues to a professional organization or monthly road trips to visit loved ones.

As for the other 40% of your income? You can put that toward savings or use some of the money for discretionary spending. Richard Jenkins, the financial author who came up with the 60% solution, split his 40% into four 10% increments: retirement savings, long-term savings, short-term savings and fun money.

Here’s an example of a budget that uses the 60% solution:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

Committed expenses (60%):

  • Rent: $ 775
  • Utilities : $ 120
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 125
  • Credit card debt: $ 50
  • Insurance: $ 75
  • Groceries: $ 250
  • Gas: $ 75
  • Personal trainer: $ 100
  • Cooking lessons: $ 80

Other expenses (40%):

  • Retirement savings: $ 300
  • Long-term savings: $ 300
  • Short-term savings: $ 300
  • Fun money: $ 300

Total expenses $ 3,000

Is the 60% Solution Right for You?

The 60% solution is great for those who want to prioritize nonessential expenses that they care about. It’s also good for budgeters who want guidance on where their money should be going but don’t want to be too strict about tracking every dollar.

Bonus Budgeting Hack: The Cash Envelope System

A hand writes financial-related labels on envelopes.

The cash envelope system isn’t technically a budgeting method; it’s a way to carry out a budgeting method. Still, it’s worth mentioning.

If you’ve ever struggled with sticking to a spending limit when you’re grocery shopping, updating your wardrobe or buying gifts for loved ones, then it could be time to transition to cash.

How to Use the Cash Envelope System

You commit to paying for variable expenses — such as groceries, clothing, entertainment and dining out — with cash.

First, you’ll need to determine how much you can spend in each category. Using a zero-based budget makes this part seamless, because you already know your spending limits in all budget categories.

Next, you’ll label envelopes with each spending category and fill them up with their allotted amount of cash.

One envelope might contain $ 300 for groceries and another might have $ 100 for entertainment. When you’re out food shopping, you’d spend money from your groceries envelope. If you go to the movies later, you’d pay for the tickets using cash from the entertainment envelope.

Once you’ve used up all the cash in a given envelope, you can’t spend in that category again until it’s time to refill your envelopes with money.

It’s important to note that you won’t use cash envelopes when it comes to fixed expenses. Even bills that tend to vary — like your utility bills — should be exempt. You can automate those bills via online banking or pay them as you normally would.

In addition, your savings allocations should go into the appropriate accounts — not cash envelopes.

Is the Cash Envelope System Right for You?

This system is for those who find themselves swiping their debit or credit cards past their budgeted spending limits. By limiting yourself to a finite amount of cash, it’s (almost) impossible to overspend.

Choosing the Best Budgeting Method

Now that you’ve been given an overview of several popular budgeting methods, you should have a good idea of which will work best for your financial life.

When choosing a budgeting method, you’ll want to consider how strict you want to be with your spending. Do you want to track every dollar or take a broad approach to monitoring where your money is going?

You also need to think about your financial priorities. Are you budgeting to increase your savings, or so you can still travel and go out for drinks without damaging your financial standing?

After you choose a budgeting method, think about how you’ll carry out that budget. Will you go old school and break out a pen and paper to write everything down? If you’d rather have your budget on your smartphone or computer, try creating an Excel budget spreadsheet, using free online budget templates or managing your budget with apps.

You may find that it takes some trial and error to get yourself accustomed to budgeting. You might try out a budgeting method, only to decide it’s not for you. And that’s OK. You might prefer another.

Don’t let the budgeting blunders get to you. Keep at it, and eventually, you’ll master this whole money management thing.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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‘Draft Beto’ grassroots group in California got early start that could help 2020 candidate

Even before former Rep. Beto O'Rourke announced his formal 2020 presidential run Thursday, he enjoyed political support in California, where a draft movement has included supporters throughout the state.
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‘Start Here’: US joins Boeing ban, and Paul Manafort is indicted after he’s sentenced

It’s Thursday, March 14, 2019. Here’s what you need to know to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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‘Start Here’: Border wall, North Korea seen not heard, jet crash in Africa kills 157

It’s Monday, March 11, 2019. Here’s what you need to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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‘Start Here’: Missile sites, potential HIV breakthrough, Michael Jackson’s accusers

It’s Wednesday, March 6, 2019. Here’s what you need to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Want to start your own business? These entrepreneurs will teach you how for less than $20.

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The term entrepreneur tends to evoke images of a tech bro who spends way too much time on LinkedIn, where he brags about being “CEO at Self-Employed” and writes quasi-philosophical posts about the #hustle. (See the Twitter account @StateofLinkedIn for real-life examples, if you dare.) 

That stereotype applies to a handful of self-starters, to be sure, but you probably won’t find them among Silicon Valley’s success stories. The entrepreneurs whose innovations and ideas have actually changed lives are too busy trying new things and dreaming big to spout vapid humblebrags on social media. If you somehow found a way to connect with them, you’d probably get some legitimately helpful tips on how to establish your own business.  Read more…

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Michael Cohen on Capitol Hill Tuesday, start of 3-day congressional gauntlet

Michael Cohen is finally at the starting line for his Capitol Hill gauntlet.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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At What Age Did You Start Dating Seriously – And How Did You Balance It With Academics and Career?

at what age did you start dating seriously - and how did you balance your love life and your career

So here’s a little question for you guys: at what age did you start dating seriously? Would you say you’ve been permanently single, or that you’ve dated person after person in pretty quick succession? If you’ve always been partnered, what tips do you have for balancing academics and career with your love life? As I’ve talked about before, I didn’t really start dating seriously until my late 20s when I definitely had a marriage mindset, and I’ve always felt like a weirdo because of that — but over the years I’ve heard so many stories (mostly from the comments section here) about how a ton of people were like me and late daters. I recently heard about a survey from the mid-90s that found that most female grads from my college (Northwestern) had “never had a serious relationship” by graduation — and thought, hmmn, maybe I’m not such a weirdo after all, at least among women who have been really focused on academics and career. 

So let’s discuss! At what age did you start dating seriously — and how have you balanced dating life with academics, career, and more?

For my own $ .02 – I definitely had crushes and went on sporadic dates here and there in my 20s — but if it’s possible I think I watched too many romantic comedies to have a really solid view of what dating was supposed to be. In my youth, I had the naive idea that dating would lead to marriage, and I wasn’t ready to be married, so the second a guy annoyed me I would stop flirting because ugh, who wants to be married to a guy who annoys me. (Plus, hello, I had college and law school and my career to think about, and, I thought, who has time for relationship drama when you’re focused on all of those bigger things!) I also had the naive idea that one day, clouds would part, there would be some adorable meet-cute moment, and everything would click and I would be inseparable from my other half from that moment forward. Which isn’t to say that I don’t think love should be easy — my husband and I have always had a very easy relationship, thankfully — but let’s face it, the romcom movie idea of love is a bit oversimplified and more all-encompassing. (That said: there are still some great fashion movies that are also romcoms — and I’m basically reading brain candy books that are romcoms, so obviously old habits die hard.) 

SO: that romcom attitude didn’t quite work out, and at a certain point I decided I needed to nudge the universe along by doing some serious Internet dating, in part because I wanted kids. I approached it in true geek fashion and read books about finding time to date when you’re super busy, signed up for the nerdiest Internet dating sites, and eventually joined some brainy charitable groups (like the under-40 groups for the New York Public Library). I didn’t really get any “hits” through all that, per se — I met some nice guys but not MY guy — and learned to cut my losses as soon as I rolled my eyes at my dates. I’m thankful I did it because I do think it prepared me for meeting my husband (at a friend’s birthday party, at a bar), because all of those dud-dates helped me appreciate the chemistry and comfort I felt with him immediately.

So: I’m a weirdo, but a lucky one. But I have been fascinated to hear over the years how MANY women — particularly women who have done good in school and moved around for different degrees — just haven’t focused on dating until they’re far older than the romcoms and women’s magazines would have you believe is appropriate. So I thought it would be an interesting question to discuss: at what age did you start dating or seriously looking for a partner? If you dated during school, did you have to juggle your academics and your social life? What advice would you have for younger women who might be feeling like a weirdo, or feeling like it’s “too late” to start dating?

Stock photo via Stencil.

The post At What Age Did You Start Dating Seriously – And How Did You Balance It With Academics and Career? appeared first on Corporette.com.

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USA’s Josh Sargent Quiet in Momentous First Start for Werder Bremen

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‘Enjoy your life’: Trump puts new attorney general in an awkward position from the start

William P. Barr’s first days on the job have been marked by a wave of Trump attacks on the Justice Department or the officials who came before him.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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‘Start Here’: Smollett case, California suing Trump, aid to Venezuela blocked

It’s Monday, Feb. 18, 2019. Here’s what you need to start your day.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

How to Pay Off Credit Card Debt When You Have No Idea Where to Start

We know how easy it is to rack up credit card debt. Over 41% of American households carry a credit card balance, and the average balance for those households is $ 9,333, according to a study from financial data website ValuePenguin.

But here’s the thing about credit cards: They only benefit you when you’re building credit and receiving perks — but not paying interest. If you’re carrying a balance beyond an interest-free period, your cards only benefit the card issuers.

With average interest rates on new credit cards north of 17%, paying off credit card debt is a smart move.

If you’re ready to get rid of credit card debt, be prepared for inconvenient choices and a lot of saying no. But you can do it. And every difficult step will be worth it.

How to Pay Off Debt From Multiple Credit Cards

A woman sitting at her table contemplating expenses

Before you start, you should stop using your credit cards altogether until you can use them without putting yourself in financial risk. Though the specifics will vary based on your situation, we only recommend using credit cards if:

  • You don’t have any consumer debt.
  • You have an emergency fund with three to six months’ worth of expenses saved.
  • You can pay off your balance in full every month.

However you do it, make paying off your credit cards — and learning to use them responsibly — a high priority.

Credit card usage has a huge impact on your credit score. If you spend too much of your overall limit or miss payments, you’ll hurt your score. If you keep your balances low and make on-time payments, your score will probably increase over time.

1. Debt Snowball vs. Debt Avalanche: Determine Your Plan of Attack

First, determine how much credit card debt you have. You can do this using a tool like Credit Sesame.

Instead of looking at your debt in its entirety, we recommend approaching it bit by bit. By breaking your debt down into manageable chunks, you’ll experience quicker wins and stay motivated.

Two popular ways to break down debt repayments are the debt avalanche and debt snowball methods.

Using the debt avalanche method, you’ll order your credit card debts from the highest interest rate to the lowest. You’ll make minimum payments on all your cards, and any extra income you have will go toward the highest-interest card.

Eventually, that card will be paid off. Then, you’ll attack the debt with the next-highest interest rate, and so on, until all your cards are paid off.

With the debt snowball method, you’ll order your debts from the lowest balance to highest, regardless of the interest rates on the cards. You’ll make minimum payments on all your cards, and any extra income will go to the credit card with the smallest balance.

Starting with the smallest balance allows you to experience wins faster than you would with the avalanche, but you will spend more money on interest. While both have trade-offs, you can’t go wrong with either method.

Here’s an example of how each method would work if you’re paying off four credit cards of varying balances and interest rates.

  1. $ 654 with 0% interest
  2. $ 5,054 with 15% interest
  3. $ 2,541 with 23% interest
  4. $ 945 with 17% interest

If you followed the avalanche method, you would pay off card 3 first, followed by 4, 2 and 1. If you followed the snowball method, you would pay off card 1 first, followed by 4, 3 and 2.

Let’s say you have $ 600 per month to put toward debt. Using the snowball and avalanche comparison calculator from Dough Roller, you can see that it would take you 18 months to pay all of your cards off using either method.

The debt avalanche method would save you $ 105.73 of interest in the end, but you’d pay off your first card six months faster by going with the snowball.

Choosing the right method comes down to deciding whether you’d rather get quick results or save money on interest. We encourage you to check out Dough Roller’s calculator yourself, so you can calculate what each method would cost you.

2. Don’t Let Credit Card Companies Trick You Into Overspending

Credit card companies make it so easy to get in the habit of overspending. The introductory APR offers, new credit card sign-up bonuses and cash back offers are designed to get us using cards more frequently and thinking less about what items cost.

So if you want to be credit card debt-free, you need to change your lifestyle to lower your spending and maybe even increase your income.

Stop Blowing Your Money on These 3 Things

The quickest way to save a lot of money isn’t to nickel-and-dime your spending. It’s to save as much as possible on big-ticket items.

The three largest expenses in the average American family’s budget are housing, transportation and food, according to the Bureau of Labor Statistics.

To save on housing, you can rent a cheaper apartment or house if it’s not too far away from work. You can rent out a room in your house to a roommate or on Airbnb. You could even try an alternative living situation like an RV.

The easiest way to save on transportation is to get rid of your car payment. Trade in your vehicle for a used car you can pay cash for. If that’s not a possibility, consider trading it in for a car with a smaller payment. It may also be in your best interest to move closer to work if rent in that area is comparable or cheaper.

Finally, to lower your food spending, you’ll have to cut back on eating out and making random purchases at grocery and convenience stores. Plan out your meals each week based on what’s on sale, and try to use what’s in your pantry and fridge before you buy new groceries.

Side-Hustle Your Way to Paying Off Debt Faster

A side hustle is a great way to make money fast to put toward debt. You can use an app like Uber or TaskRabbit to get small jobs or see the unique services you can offer with your talents.

Taking surveys or doing mystery shopping won’t bring in cash fast enough to make a dent in your credit cards, so look for opportunities that don’t require spending upfront and pay more than minimum wage.

This credit card debt calculator is a great tool for estimating how much extra income you need to pay off your debt and how much you can save by paying it off faster.

3. Try These 4 Strategies to Lower Your Interest Rates

Cutting up credit cards

Many people will start by trying to lower their interest rates, but that typically doesn’t help. It can often just trick you into thinking you’ve solved your problem. This step is better left until you have a plan and are already working it.

Once you’ve started paying off your debt, you may find that you don’t need to go through the hassle of getting a lower rate. But if your debt payoff is going to take a significant amount of time, here are some of the ways you can get lower rates and save a little money.

Balance-Transfer Credit Card

If you have good to excellent credit (typically a FICO score of 690 or above) and can feasibly pay off your debt within a year, a balance-transfer credit card is a great option. Balance-transfer cards can save you money on interest charges by letting you transfer the balance of a card with a high interest rate to a card with zero percent interest.

Most of these cards offer zero percent interest for 12 to 18 months with no annual fee. They generally have a 2-5% balance-transfer fee, but you can easily find balance-transfer cards with no fee. A higher credit score will help you qualify for a card with better terms.

Personal Loan

You can also consolidate your debt with a personal loan. Online banks will allow you to prequalify for a personal loan without doing a hard inquiry of your credit, so if you want to shop around, head there first. Then, try your local credit union; they’re known for having the most affordable rates on loans.

It’s also important to note that lenders may tack on origination fees and prepayment penalties, or even require collateral. Read the fine print before you commit to anything.

Debt Consolidation Loan

If you don’t qualify for a personal loan, you can try for a debt consolidation loan. You’ll take out a new loan to pay off multiple debts, and then pay back the new loan — essentially consolidating your debt into one loan.

Debt consolidation is the go-to method for people who’ve fallen on temporary hard times or who have done the work to improve their finances and want to take care of their debt quickly.

It’s important to know that your debt consolidation loan may not cover the entirety of your debt. In those cases, you’ll want to prioritize paying off the remaining debts based on the terms of your new loan.

Home Equity Loan

If you own a home with equity, you have the option of taking out a home equity loan or home equity line of credit, or doing a cash-out refinance.

For homeowners, these options will most likely offer the lowest interest rates, but they’re also the riskiest, because your home is the collateral.

4. Get Help if You Need It

The world of debt collections and creditors can be confusing, intimidating and sometimes even illegal. There’s a common misconception, for example, that someone can take your house or you can go to jail for not making your payments. But credit card debt is unsecured civil debt, meaning no one can put you in jail or take your house for not paying it.

If you’re being harassed by creditors or have circumstances that make your debt repayment confusing, don’t give up before finding out what options you have for assistance.

You’ll also want to be careful when seeking help. While some companies are legitimately there to assist you, others take your money and do very little to help your situation. Always seek reviews online and referrals from friends and family, and go with your gut when talking to their representatives.

Debt Management Program

With a debt management program, a credit counseling company will handle your consolidation in hopes of getting you better interest rates and lower fees. You’ll be assigned a counselor, who will set up a repayment and education plan for you. This program is specifically for unsecured debt, like credit cards and medical bills.

A debt management program pays your creditor for you to ensure you stay current on your debt payments. Your credit score may even improve during the program. But if you miss a payment, you can be dropped, and you’ll lose all the benefits you gained.

The program typically lasts three to five years, so it won’t help if you want to pay off your debt faster, but it is typically the best option for those who can’t.

Credit Card Debt Settlement

If you’re in more than just a temporary season of financial instability, and you can’t see yourself affording the amount of credit card debt you owe, debt settlement is an option, though we regard it as a last resort.

Debt settlement reduces the amount of debt you owe, but it will significantly lower your credit score and negatively impact your credit report.

The process isn’t as simple as debt consolidation, either. You have to convince every creditor that if they don’t settle with you, they probably won’t get anything at all. So, of course, during that time you won’t be making any payments — while interest and late fees accrue.

You can do this on your own, but most people seek the help of a debt settlement company.

Like a debt management program, a debt settlement firm will negotiate debts on your behalf, and the company will make lump-sum payments to creditors while you make monthly payments to the debt settlement company.

While you’re paying the debt settlement company, you’ll still be delinquent with any creditors the company hasn’t yet negotiated with, meaning you’ll still get calls from those creditors.

And there’s no guarantee the company will be successful. If it isn’t successful in negotiating, you’ll still be responsible for the full debt amount, plus any extra interest that accrued.

If the company is successful, you’ll have to pay the settlement amount in full. Then in April, you’ll owe taxes on the amount forgiven.

The settlement company will also charge you up to 25% in fees on top of the settlement.

Bankruptcy

Bankruptcy is another last resort. The two major types for individuals are Chapter 7 and Chapter 13.

Chapter 7 bankruptcy allows the filer to completely discharge all their debts in four to six months by liquidating their assets. A trustee gathers and sells all of your nonexempt assets to pay off your debt. Those assets can include property that’s not your primary residence, a vehicle with equity, investments or valuable collections.

Those who earn a high income or have significant assets typically choose Chapter 13, which allows them to keep certain assets while still repaying some of the debts. It’s a long, arduous process that doesn’t guarantee to resolve your debt. It can be reversed if your income increases, and it wrecks your credit.

Both bankruptcy options have negative long-term ramifications on your credit.

Jen Smith is a staff writer at The Penny Hoarder. She and her husband paid off $ 78,000 of debt in less than two years on two less-than-average salaries. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Investing for Beginners (Seriously, if You Know Nothing, Start Here)

If you’ve spent so much as 10 minutes reading a personal finance blog — and clearly you have — chances are, you’ve heard that investing is one of the best ways to put your money to work for you.

The power of compound interest can turn even modest savings into an appreciable nest egg over time. And best of all, it’s passive income.

But if you’ve never put money into the stock market before, the prospect can be overwhelming. What exactly does “buying stocks” even mean? And what kind of account do you need to get started?

What Is Investing, Anyway?

Investing is a way to build wealth by purchasing assets today that you anticipate will grow in value, yielding a profit over time.

There are many different ways to invest, including purchasing tangible items (like real estate or fine art) with the intent of selling them later. But in this post, we’re going to be focusing primarily on stock market investments.

Investing for Beginners: A Quick Vocab Lesson

A collage of financial information on computer screens.

One of the first things new investors come to realize is how much lingo there is to know. It’s hard to feel confident about spending your money on stocks, bonds or mutual funds when you’re not even sure what any of those words mean!

The good news is, nobody knows what they’re talking about (or which words to use) when they’re first getting started. Here’s a quick vocabulary rundown.

Stocks

The stock market is what we call the abstract space where investors buy and sell investments. There are many different types of investments, or “assets,” you can buy and sell on the stock market.

Stocks are shares, or small pieces of asset ownership, of a company. Stockholders earn money when the company performs well and increases in value — but they’re also vulnerable to losses if things don’t go as well as hoped. Thus, stocks can be a relatively high-risk investment.

Bonds

Bonds are another common type of stock market investment, but they work differently than stocks do. Bonds are actually debts owed by corporations or, more commonly, governments.

When you purchase a bond, you’re essentially lending your money to the bond issuer. Bonds help investors earn money by accruing interest — and because bond issuers are obligated to repay their debts, they’re considered a safer investment than stocks.

What’s more, bonds are repaid after a fixed amount of time and at fixed rates (which is why they’re known as “fixed-income” assets), making them a reliable source of investment return. However, they don’t have the exponential growth potential that stocks do.

Mutual Funds

Mutual funds are pre-built collections of stocks, bonds and sometimes other types of investment assets, like real estate, which are created and managed by financial professionals.

Investing in mutual funds allows individual investors to buy a diverse segment of the market without doing all the research and footwork to assess individual stocks themselves.

Index Funds and Exchange-Traded Funds (ETFs)

These funds are similar to mutual funds in that they include a basket of different assets, but they’re not generally actively managed by a live human being. Instead, index funds are created based on a specific market index, like the S&P 500 or the Dow.

A market index is a representative collection of stocks that are used to track the performance of an area of the market.

Exchange-traded funds might be collections of companies that share industries, geographical locations or market capitalization — that is, the total dollar amount of the shares of the company available on the market.

Unlike mutual funds, they’re also traded throughout the day on the exchange, which may make them a better option for investors looking to play a more active role in their portfolios.

Investment Portfolio

Your investment portfolio is the collection of all the investments you make and keep, otherwise known as your “holdings.” For example, you may have 12 shares of Corporation X, 27 shares of Corporation Y and 17 shares of an ETF which includes stocks, bonds and real estate.

Phew! It really is a word salad, huh? Now that you’ve got a better handle on basic investing terms, let’s learn more about doing some actual investing of your own.

How to Get Started With Investing

How best to get started investing will vary depending on your personal financial goals, as well as the amount of money you can afford to put toward your growing portfolio.

But if you don’t have a whole lot of extra cash lying around, don’t worry; there are many ways into the world of investing, even if your initial investment is only $ 100 (or less!).

Saving for Retirement

Aside from building wealth in general, one of the most common investing goals is to save for retirement. If that goal’s on your list, you’ve got lots of investment vehicles to choose from.

For example, if your employer offers a 401(k), contributing part of your wages to that company-sponsored retirement account is a way to get started investing. And if your benefits package includes an employer match, you’ll definitely want to take advantage of that — it’s free money!

Depending on your plan, you may have just a few curated investment options to choose from or access to a wide variety. (Psst — we’ll talk more about some basic investment skills in a second, so don’t hit that “buy” button just yet!)

Types of Investment Accounts

Even if you don’t have access to a 401(k), you can open a retirement plan like a traditional or Roth IRA — that is, individual retirement account.

These are investment accounts designed specifically for retirement, which are governed by special rules and tax incentives. For instance, contributions to a traditional IRA are taken pretax today, but they’re later taxed upon withdrawal; Roth IRA contributions are taxed now but grow tax-free.

And in both cases, it’s not as simple as pulling your money out whenever you want; except in specified circumstances, you’ll need to wait until you reach age 59 1/2 to fully access that money.

IRAs are available through a huge range of financial firms, from nationwide banks like Chase to brokerage firms like TD Ameritrade. Financial companies like these may also offer brokerage accounts, which aren’t subject to the same special rules and regulations as investment vehicles built specifically for retirement.

A brokerage account allows you access to a trading interface where you can purchase individual stocks, bonds or ETFs, creating your own portfolio from scratch. But if you’re not feeling up to DIYing your investments, you can also use a robo-advisor, like Ellevest, which will allocate your assets for you.

Apps, ETFs and Automatic Contributions

A phone displays a money saving app.

Only have a few bucks to spare? Apps like Stash and Acorns make it easier than ever to get started investing with as little as $ 5, and they offer curated ETFs to help you diversify your holdings.

You can also set up regular, automatic contributions, which will fuel your portfolio’s growth over time.

Basic Investing Strategies to Know Before You Go

Now that you’re versed in the lingo and you’ve got the lowdown on a few accessible investment options, there are just a few more things you need to know before you take the next step and become an investor yourself.

Since all investments involve some risk, it’s imperative to be prepared and informed on how to best mitigate those risks ahead of time.

Don’t Overcommit

Perhaps the most important investment strategy is one you’ve doubtless heard before: diversification. Diversifying your portfolio means purchasing a wide range of assets, including different types of holdings and different issuers.

Why is diversification so important? Well, it’s just like that old saying about not putting all your eggs in one basket. If you drop that over-laden basket and don’t have any other eggs in reserve, you’re in a messy situation.

Similarly, when market values fall, your portfolio will have a lot more margin for error if you’ve got a variety of holdings. If one of the companies you own stock in goes under, for instance, you won’t be entirely sunk if you own shares of other firms — and some government bonds, for good measure.

Diversification is one of the reasons mutual funds, index funds and ETFs are so popular among new investors.

However, some of these funds do come at an additional cost — particularly mutual funds, which are actively managed by a financial professional. That’s why it’s important to check out the expense ratios before making your purchase decision, especially if you don’t have a lot of investment capital to work with.

Do Your Homework

No matter what types of investments you’re most interested in owning or how you go about getting started, research the assets you’re considering, keeping both historical performance of interest rates and current events in mind. You might even consider hiring a financial advisor to help you make your decisions.

Although no investment is a sure thing, putting your money in the market feels a lot less like a harebrained bet when you have evidence and reason behind your choices. Investment advisors can help you assess your risk tolerance and make more informed investment decisions.

Keep Calm When the Market Gets Rough

And finally, keep in mind that investing is a long game, and market fluctuations are an everyday reality. Although it can be tempting to rip your money out of the market as soon as you see a scary headline, if you diversify your holdings and sit tight through the lean times, the market usually corrects itself.

Even taking major recessions into account, the market’s overall growth curve is historically positive — and stashing your cash under the mattress (or even in a traditional savings account) can’t come close to the earnings you can glean through compound interest.

Good luck, new investor!

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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The formal start of the senator’s White House campaign comes as the Democratic primary intensifies by the day​

Sen. Elizabeth Warren will officially launch her 2020 presidential campaign Saturday with a rally in Lawrence, Massachusetts, using the backdrop of Everett Mills — the site of a historic 1912 labor strike led by women and immigrants — to highlight the ​progressive populist ideals she has made the centerpiece of her candidacy.


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How To Start A Vegan Diet

How To Start A Vegan Diet

Henry Firth and Ian Theasby of Bosh.TV tell Womenhealthier.com how to adopt a vegan diet.

Chickpeas, cashew nuts and ”magic dust”. Those are some of the must-have staples beginner vegans should always have on hand, according to the duo behind Bosh! who run the largest plant-based recipe channel on Facebook.

Henry Firth and Ian Theasby of Bosh.TV tell Womenhealthier.com how to adopt a vegan diet.

Just a few years ago, veganism was seen by many as a fringe dietary lifestyle. But…

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Oh great, Russian fighter pilots are going to start flying with scary AI wingmen

Russian military

Well, it seems Russian military officials don’t want to just stop with that fearsome new hypersonic intercontinental ballistic missile that was tested last month, which we told you about and which Russia claims there’s no defense against. It would appear the country’s military forces have also been testing the feasibility of having AI-powered wingmen fly alongside Russian fighter pilots, executing commands issued by the human pilot an inaugurating a scary new chapter in aerial military combat.

News accounts of Russia’s efforts here are the result of images spotted on social media of a drone called Hunter, an unmanned combat vehicle, along with images of a jet called the Sukhoi Su-57. Of particular interest is that fighter jet’s tail. As you can see below, on the tail you can see the shape of a jet as well as an image that seems to be the “Hunter” drone, along with the image of a lighting bolt.

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Oh great, Russian fighter pilots are going to start flying with scary AI wingmen originally appeared on BGR.com on Sun, 27 Jan 2019 at 14:51:10 EDT. Please see our terms for use of feeds.


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7 Steps for Catching up on Bills When You Have No Idea Where to Start

So you want to pay off your debt. That’s a great goal! But if you can barely make payments on your monthly bills, what are you supposed to do?

First, don’t think there’s no hope. The process of getting current on your bills and becoming debt-free is simple — but that doesn’t mean it’s easy.

To get on the financial path you want to be on, you have to commit. Here’s how to get started.

How to Start Paying Off Debt, Even if You’re Behind on Your Bills

We’ve got seven steps for paying off debt when you’re behind on bills. Go through them in order. Some steps may take you longer than others, but trust that each step is important, and complete each one fully before you moving on to the next.

1. Find Out Whom You Owe… and How Much You Owe Them

Prioritize your catch-up list by ordering bills and creditors by importance… and annoyingness.

If you’re behind on utilities or rent, catch up on those first. Then list your bills from highest to lowest interest rate. If you’re trying to maintain your credit score, prioritize debts that aren’t yet in collections over those that are.

From there, if you’ve got one company calling you multiple times per day, you can move that debt higher on your list than a debt you owe to a company that’s relatively quiet. Alternatively, if there’s a debt that just nags at you personally, move it up the list to get rid of it ASAP.

Sign up for accounts with Credit Sesame or Credit Karma to make sure you don’t miss a single creditor. They aggregate all your debts to give you a comprehensive list of everyone you owe and what you owe them.

Make sure to exclude time-barred debts. Those are debts outside the statute of limitations, meaning they’re too old for a company to sue you over. Brush up on the statute of limitations in your state, so you can tell if any of your debts fall in this category.

Focus with intensity on the first bill on your list. Try to make minimum payments on the rest.

2. Make a Budget

A woman's hand puts cash in an envelope.

Now it’s time to fit your debt into your budget and get a realistic picture of how long it’s going to take to catch up. When you’re on a low income or behind on your bills, or your income varies from month to month, we recommend doing a zero-based budget.

A zero-based budget puts all your expenses in order of priority. Your necessities are your top priority, and your debts or catch-up payments get prioritized over wants. You’ll “spend” every dollar of each paycheck on whatever is in your budget.

If you’re new to budgeting, try splitting your month into two separate budgets — one for each paycheck.

The envelope system is a great complement to a zero-based budget. It helps limit your spending in areas that are triggers for you, because you’ll only carry the cash you’ve budgeted for in each category.

3. Cut Up the Credit Cards

At this point, if you have multiple credit cards, let them go. You know what’s coming in and what needs to go out. You know if you have enough income to cover an expense or if you’re coming up short.

Your budget should only include what you can afford based on your income, not your available credit.

If you need to keep one, choose the one with the lowest interest rate, and keep it at home so you’re not tempted to use it. Sau-Sha Hill, 27, who lives in Texas, actually asked her friend Sha’Kreshia Terrell to hold onto her cards while she paid off $ 30,000 of debt.

“Sha’Kreshia would literally take my credit cards out of my wallet and keep them at home,” Hill said.

You don’t need to close your credit card accounts to stop using them. But if closing the account is the only way you’ll stop using them, that’s better than continuing to rack up debt. Yes, your credit score will drop temporarily, but a good credit score is useless without a sound financial foundation. Do whatever it takes to stop your debt from going up while you’re getting current.

4. Lower Your Expenses

A man's hands prepare containers of homemade food for freezing.

You may think little cuts here and there are enough to make up for your spending vices, but when you’re trying to accomplish a big financial goal, you need to make big changes. And that includes saying no to things you previously said you’d never give up.

Remember: This isn’t forever. You’re ripping off a Band-Aid to heal a wound that’s been festering for a long time. Eventually, you’ll be in a place where you can indulge again. But that day is not today.

It might be hard, but you — and your kids — can get through it. Here are some expense-cutting ideas to get you started:

5. Manually Track Your Spending

To stick to your budget, it’s imperative that you track your spending. But automatic tracking through apps like Mint is not enough when you’re trying to lower your expenses

and pay your delinquent bills.

Just as counting calories or macros on a diet tends to make you eat less, manually tracking every dollar you spend results in you spending less.

EveryDollar is a great free app for manually tracking your purchases to make sure they’re aligned with your zero-based budget. You can also make a budget spreadsheet in Excel or Google Sheets if you need further customization.

6. Increase Your Income

A man rides a bike with a pizza delivery case strapped to his back.

Organizing your budget and lowering your spending are just the first steps. You’ll need to earn more money than you were bringing in when you got into this situation.

Deliver pizzas, drive for Uber, clean houses, do work-from-home customer support — anything that’s flexible enough to let you maintain your full-time job and that pays more than minimum wage, i.e., you’ll need to do more than just online surveys.

Organize your schedule to make time for increasing your income. Again, it’s not easy, but it’s not forever.

7. Tackle Your Debt

Achievement unlocked!

Once you’re current with your payments and you’ve created room in your budget to remain current (and have extra), you’re ready to begin tackling debt. And the good news? You already know how!

Keep following these steps, and you’ll remain current while you continue on the path toward of freedom from debt.

If you need more help, here are some tips for paying off debt on a salary of less than $ 50,000. And here are some other options you have for paying off debt if you’ve tried these steps but they just aren’t working for you.

Jen Smith is a staff writer at The Penny Hoarder. She and her husband paid off $ 78,000 of debt in less than two years on two less-than-average salaries. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Buffy the Vampire Slayer Gets a Much-Needed Fresh Start

BOOM! Studios is taking a fairly risky approach to its first Buffy comic. Buffy the Vampire Slayer #1 isn’t a continuation of the long-running sequel saga Dark Horse published from 2007 through 2018. Nor is it a tie-in to the original TV series. It’s instead a complete reboot that overhauls the Buffy mythos for 2019. While that approach threatens to alienate long-time Buffy fans, the new series actually strikes a very delicate balance. It retains the spirit of the old Buffy while also giving newbies an easy jumping-on point to the franchise.

It helps that there’s nothing radically different about this rebooted Buffy. Writer Jordie Bellaire and artist Dan Mora aren’t attempting to reinvent the Slayer wheel here. Even describing the new series as “Ultimate Buffy” overstates the differences. This is still the story of Buffy Summers moving to Sunnydale and trying to balance the pressures of high school with her vampire-hunting responsibilities. The characters all still closely resemble their respective actors. This first issue makes it clear that the new series will follow its own path in terms of plotting and the order in which certain major characters are introduced, but also that it won’t be making changes simply for the sake of change.

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Apple’s AirPower charging mat will reportedly start shipping soon

AirPower Apple

It wasn’t all that long ago that Apple enthusiasts would mock companies like Microsoft for announcing seemingly cool products that never shipped on time, if at all. Oddly enough, Apple over the past few years has fallen into the same bad habit of introducing products that ship embarrassingly behind schedule. Apple’s AirPods, for example, shipped more than two months later than expected and, upon actually launching, were incredibly hard to find.

The most egregious example of an Apple product that didn’t ship on time is of course Apple’s wireless charging mat, a product dubbed AirPower. Originally introduced in September of 2017 alongside the iPhone X, AirPower is designed to let users wirelessly charge their phone, Apple Watch, and AirPods case all at the same time. Flash forward 16 months and AirPower is still nowhere to be seen. What’s more, we haven’t heard a peep about the product from Apple, leaving many to wonder if it would ever launch or if Apple perhaps scrapped it entirely.

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Apple’s AirPower charging mat will reportedly start shipping soon originally appeared on BGR.com on Sat, 12 Jan 2019 at 18:46:40 EDT. Please see our terms for use of feeds.


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German Designers Start Creative-led Industry Association

France has what local designers call “la Fédération” and the U.S. has the CFDA. As of this week, Germany has its own industry association “by fashion designers for fashion designers,” as the founders put it.
The German Fashion Designers Federation was initiated in spring 2018 after two years of preparation and launched officially today in Berlin, a few days before the city’s biannual fashion week begins. As yet, the Federation, or GFDF, only has a handful of members but they already have some impressive supporters: Financial backing is being provided by Mercedes-Benz and German skin-care stalwart Dr. Hauschka. German designer Bernhard Willhelm is a member and other big, local names, yet to be announced, are also expected to join. The GFDF’s board includes Renate Künast, a senior member of German parliament for the Green party and former federal minister for food, agriculture and consumer protection.
The GFDF was the brainchild of Eva Gronbach, a Berlin-based designer who previously worked for Hermès and Yohji Yamamoto, who will also serve as the body’s first president.
“We were very inspired by the CFDA in New York because it is a younger organization than the Federation in Paris,” says Gronbach, who started the project by simply e-mailing other

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Biotech stocks are off to the best start of the year since 2012 on heels of J.P. Morgan conference

Two new deals to the start the year and positive trial presentations at the J.P. Morgan Health Care conference, have breathed new life into some of last year's biggest stock losers.
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‘Start Here’: Trump speaks from the Oval. What you need to know to start your day.

It’s Wednesday, Jan. 9, 2019. Here’s what you need to start your day.
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Want to Start a Side Hustle? These 10 Tips Will Help Set You Up for Success

Side hustles can be a great way to supplement your income or satisfy your entrepreneurial spirit. Who knows — having one might someday lead to a more fulfilling job opportunity.

Experienced side hustlers will tell you there’s a lot you can do in the beginning to build a solid foundation for your gig. So if you’re thinking about taking on a new venture, here are 10 tips on how to start a side hustle that will help you avoid future headaches.

Find Out How Much Side Hustle Time You Have Available

McKinzie Bean, creator of the

When juggling a day job and starting a side hustle, time is precious. McKinzie Bean is the operator of Moms Make Cents, a website aimed at helping moms build their own businesses.

She advises people to document their normal routines for one week before starting their side gig so they can see how much time during the evenings and weekends they spend doing things like cooking dinner, watching Netflix, doing chores, etc. Bean recommends using time tracking smartphone apps like Toggl when offline and Google Chrome extensions to monitor time spent on the internet.

You can see how much time you really have for a side hustle once you cut unproductive activities from your schedule.

“In your first year, you do have to dedicate a lot of time to your side hustle,” Bean says. “Just see which pieces you’re willing to give up because it is going to take some sacrifice to get to that point where your business is growing.”

Research if the Side Gig Is Worth Doing

Now that you know how much free time you have available, consider whether it’s feasible to add a side gig on top of a regular job.

Alex Tran is a full-time digital marketing strategist who operates five separate side hustles, including teaching yoga and reviewing activewear.  She recommends searching Google and YouTube to see if there’s a need for your side hustle and to determine how time-consuming it can be. During your research, see if other people are doing something similar and ask if they are willing to offer their advice.

“Say, ‘Hey, I work full time right now, but is it possible that I could just do this maybe six hours a week?’” she advises. If they respond, they may tell you how much of a financial and time commitment it will be to get your business off the ground.

Find Out Whether You Need to Inform Your Current Employer

One thing to consider before starting a side hustle is determining whether the gig will interfere with your day job. Every company is different, and some may have strict guidelines on what employees can do outside of work, Bean warns.

Do yourself a favor and dust off the employee handbook to see if there are any rules against side jobs. The last thing you need is to lose your primary source of income because you forgot to tell your boss about your budding side gig.

Set Some Office Hours

When Bean and her husband started working on their website 2 1/2 years ago, they set a schedule to keep them on track during the evenings. For example, she’d work for an hour on the site after her husband got home, then he’d take over after dinner. She says having a schedule in place was critical for them.

Also included in their schedule was at least one social or family activity per week to avoid burnout. “There was always one piece in the week that we could look forward to,” Bean says. “A few hours where we could recharge and be rejuvenated.”

Open Separate Business Accounts

Trish McDermott poses with baby gear in front of the trunk of her car

It’s never too early to start thinking about tax season. Trish McDermott is a longtime side hustler and co-founder of BabyQuip, a baby gear rental service for traveling parents. She tells people to open a bank account and credit card dedicated solely for their business.

Doing this provides you with a true-to-life snapshot of the financial results of your side hustle. “That snapshot is really difficult to see if you’re commingling your personal transactions with your side hustle,” she says.

By having all your side hustle income and expenses in one place, you can see trends and other relevant information to improve your business. Plus, she says, your accountant will appreciate it when it’s tax time.

Develop an Organization System for Your Paperwork

Instead of throwing all your receipts into a shoebox, consider setting up a digital filing system. “As a side hustler, you have to maximize your time,” Bean says.

Most of her receipts and invoices are sent via email because she runs an online business. To save time, Bean uses free basic automation software, such as If This Then That (IFTTT), to automatically save her receipts into a Google Drive folder.

For physical receipts, she takes photo backups using the smartphone app CamScanner. That way everything is saved on her phone or computer, ready to go for tax season.

Design Templates to Work Smarter

Tran encourages people to set up a task workflow in the early days of their side gig. For example, if your side business is in copywriting or involves creating a lot of documents, she encourages people to design templates.

“Have a system down so you can streamline it when you start to scale your business.” These templates can have the basic format laid out so all you need to do is change out the unique details. That way, you’re not starting from scratch on every project.  

Find Industry-Specific Groups

McDermott says there are many industry-specific groups and communities available on social media for side hustlers. In these LinkedIn and Facebook groups, you can learn from other professionals working in your field as they share advice. McDermott recently discovered a Facebook group for freelance social media managers and was blown away by the information and resources they were sharing among themselves.

“Those kind of connections nowadays are so easy to find, and so fruitful,” she says.

Create a Productive Home Environment

Your home office needs to have minimal distractions. Two ways to ensure this include following a set work schedule and having everything you need in the office, McDermott says.

By following the same work schedule, your family, neighbors and others know not to bother you during designated times. Plus, if you have everything you need at your disposal, you don’t need to leave the room.

“Having the tools you need to do your work available in the space you’re doing it prevents you from wandering around the house and deciding that you should start the dishwasher,” she says.

Don’t Wait for Perfection — Just Go For It!

Whether it’s posting on social media, launching a website or starting a company, McDermott encourages aspiring side hustlers and entrepreneurs not to get paralyzed by perfection, which can get in the way of execution. Her outlook is to do it the best you can and fix what doesn’t work as you progress.

“There’s no company on the face of the planet that has gotten it all right all the time,” she says.

In her opinion, the rewards are more significant for entrepreneurs who take risks and are willing to bring their energy and passion to whatever they do.

“You just can’t wait around to be perfect,” she says. “Someone else will take the idea and run [with it]. Just go!”

Matt Reinstetle is a staff writer at The Penny Hoarder. He covers side hustles and the gig economy. If you have a side gig story idea, message him on Twitter @MattReinstetle.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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This Woman Was Always the Bridesmaid, So She Decided to Start a Business

“This one’s Michigan, this one’s California, this one’s Florida, this one’s also Florida, this one’s New Jersey, this one’s New York, this one was Florida, and this one was in Long Island…”

Jen Glantz is rattling off states with perfect recall as she thumbs through a closet full of satin, charmeuse and chiffon — most in various shades of pastel. Each bridesmaid dress is well worn, from deodorant stains to tattered hems. Each carries a story.

Sure, plenty of us have at least one or two bridesmaid dresses shoved in the back of the closet, never to be worn again. Glantz has enough to rival a bridal boutique.

And no, it’s not just because she has a lot of recently wed friends — although that is a factor in her story. Glantz is up to her ears in dresses because she makes a living as a professional bridesmaid.

From Bridesmaid to Bridesmaid for Hire

How does one find herself in the business of being a professional bridesmaid? Let’s back up to 2014, when Glantz was 26 years old — or as I like to affectionately call it, “Fridge is Covered in Save the Dates” years old.

One day towards the end of June, Glantz received not one but two phone calls with hopeful brides-to-be on the other end, bearing the same question: “Will you be my bridesmaid?”

In that year alone, Glantz found herself taking on the mantle of bridesmaid four times.

She was so well versed in the art of bachelorette parties, rounding up unruly bridesmaids and holding up poofy wedding dresses that she was practically a professional. And throughout it all, she noticed a common trend in the wedding industry.

“There was nobody there whose job it was to help the bride,” says Glantz. “If the bride had a wedding planner, she was so busy setting up the wedding. If she had bridesmaids like myself, we were very distracted, and we didn’t know how to help her.”

Glantz decided to capitalize on this gap in the industry and put her finely honed bridesmaid skills to work. She posted a Craigslist ad: Professional Bridesmaid – wfw – 26 (NYC).

Let me be there for you, she implores future brides with not-so-great options in the bridal party department. Let her “make sure bridesmaid #4 buys her dress on time and doesn’t show up three hours late.” Let her fill a spot if “you don’t have any other girlfriends except your third cousin, twice removed.”

Within two days, Glantz had received over 250 responses.

Clearly, there was a demand for a service that offers the chance of a stress-free wedding. So Glantz decided to start her own business, Bridesmaid for Hire.

Living In a Perpetual Wedding Season

In the four years since that fateful Craigslist ad, Glantz has worked with more than100 clients all over the country.

She has expanded her services and become the ultimate bridesmaid boss, offering various levels of bridal-related help and working with five to 15 clients a month.

For the bride-to-be who just needs a bit of a nudge in the right direction, she offers one-on-one coaching for $ 179. Someone thinking of hiring a wedding planner can turn to Glantz instead for day-of coordinating services, which range from $ 850 to $ 1,350.

Then there’s the ultimate package: A full-fledged bridesmaid for hire, which can cost upwards of $ 4,000.

But this package doesn’t mean Glantz will simply show up on the day of the wedding, ready to walk down the aisle. She works with brides for anywhere from three months to a full year before the wedding date, helping all along the way.

“During that time, we get to know each other… I’m there for all of the big milestones,” says Glantz. “One thing I’m super proud of is that I help people save money, so I’ll look at vendor contracts and say, ‘They’re ripping you off, you can save money here.’”

And it’s not just the brides that Glantz offers her expertise to. Maids of Honor who are a bit unsure how to move forward can get a crash-course coaching session for $ 99. Or maybe the MOH just doesn’t have a way with words. Lucky for her, Glantz offers speech-writing packages ranging from $ 200 to $ 375.

That way, the MOH can avoid the dreaded awkward silence after an inappropriate inside joke falls flat. #blessed

It’s Not All Wedding Cake and Bouquet Tosses

You might be thinking something along the lines of “I could totally do this job,” but keep in mind just how many services Glantz offers.

In reality, this gig is nothing that like that movie “The Wedding Ringer.” Glantz isn’t just attending party after party, dancing the night away and munching on wedding cake — although we can all agree that wedding cake is definitely a perk.

Glantz is a personal assistant, planner, coordinator, coach, shoulder to lean on, speech-giver, peacekeeper and situation-diffuser all wrapped up in one — usually in some version of chiffon.

One wedding, she might be “Jen Smith” and makes sure that a bachelorette party actually gets planned when the maid of honor drops the ball. At another, she’s known as “Jen Cohen” and saves the day with her emergency pack full of Band-Aids and stain-remover sticks.

Along with the pseudonym, she’ll have a different backstory explaining how she knows the bride, since most don’t particularly care to explain that they hired a bridesmaid. To some, the idea of assuming a new identity and attending a stranger’s wedding might sound strange, but Glantz insists that it all feels very natural and authentic to her.

“I’ve always thought to myself ‘This is what I’m meant to do,’ and I know that sounds crazy because who thinks they’re meant to be a professional bridesmaid?” says Glantz.

Recalling the first wedding she ever worked, she says she got off the plane in Minnesota and thought to herself “Jen, what are you doing?”

But everything went off without a hitch, and she finally felt like she was doing something she was meant for. Glantz says she’s always had the skills that make her so good at this, such as dealing with challenging or dramatic situations.

And everyone knows that weddings are rife with drama, right?

Always the Bridesmaid Entrepreneur

Glantz’s experiences as a professional bridesmaid and CEO have led to other opportunities. She freelance writes for major publications, speaks at conferences and has written two books, “When You Least Expect It” and “All My Friends are Engaged.”

Between Bridesmaid For Hire and her other endeavors, Glantz says she earns tens of thousands a year.

Always looking ahead, she’s expanding her services with Bridesmaid for Hire. She recently started offering packages for mothers-of-the-bride, who need their own type of support but often get forgotten.

She’s hired a few people along the way, including another professional bridesmaid, but has decided to offer another service to hopeful employees instead of hiring them.

“I always have people who want to work this job, so I started a franchising program where people can come learn exactly how this business works and then start this business for themselves wherever they live in the world,” she says.

For $ 249, you can learn the tricks of the trade, such as the ins and outs of the wedding industry, how to brand your business and how to secure clients.

One can hope that future bridesmaids-for-hire share Glantz’s sentimental feelings about the business.

“I feel very lucky with this job because I get to be present at one of the best and happiest moments of a person’s life,” she says. “It’s taught me a ton about love, it’s taught me a ton about weddings, and it’s really shaped how I feel about relationships.”

And if they’re anything like Glantz, maybe they’ll end up with a closet full of bridesmaid dresses of their own, unwilling to part with them and the memories they carry.

Kaitlyn Blount is a staff writer at The Penny Hoarder. She is currently planning her own wedding, a maid of honor in another… and a bridesmaid in another. Maybe she could use some of Glantz’s professional help.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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VIDEO: Glenn Close Offers Insight on SUNSET BOULEVARD Film, Saying ‘We Hope to Start Shooting This Year’

A film adaptation of Sunset Boulevard has been teased for quite some time, with Glenn Close reprising her role of Norma. Now, Close has confirmed to Variety that ‘they hope to start shooting this year.’
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Cowin’s shockingly good wireless noise cancelling headphones start at $57 on Amazon, today only

Wireless Noise Cancelling Headphones On Amazon

If you want a new pair of wireless active noise cancelling headphones on sale, the best deal you’ll find right now is Amazon’s sale on refurbished Sony WH1000XM2B headphones for $ 199.99, down from $ 350. Of course, $ 200 is still a whole lot of money, so there’s another deal you should definitely check out on Amazon. On Saturday, for one day only, the nation’s top online retailer is offering Cowin’s shockingly good active noise cancelling headphones for up to 27% off.

COWIN E7 Active Noise Cancelling Bluetooth Headphones typically cost as much as $ 80 but you can get them today for $ 57, and COWIN E7 Pro drop to $ 70 from $ 120. You can also grab flagship COWIN E8 Active Noise Cancelling Headphones for just $ 109, down from $ 150. Check out the reviews and ratings if you don’t believe how good they are — they’re seriously an incredible value even at full retail. And just for good measure, you can also pick up a COWIN Mighty Rock 6110 Bluetooth Speaker for $ 24, down from $ 50.

COWIN E7 Active Noise Cancelling Bluetooth Headphones

  • Active Noise Cancelling technology. Significant noise reduction for travel, work and anywhere in between. Advanced active noise reduction technology quells airplane cabin noise, city traffic or a busy office, makes you focus on what you want to hear,enjoy your music, movies and videos. The noise cancellation function can work well both in wire and wireless mode.
  • Proprietary 40mm large-aperture drivers. Deep, accurate bass response. The Active Noise Cancelling around-ear headphones from COWIN give you crisp, powerful sound and quiet that helps you enjoy your music better. The goal that provide Customers with better sound quality, is our constant pursuit.
  • High-quality built-in Microphone and NFC technology. COWIN E7 provides high-quality built-in microphone for hands-free calls, Which is convenient for you to free yourself from wires. NFC pairing aided by voice prompts, promises quick and stable connection with your Bluetooth enabled devices, Powerful Bluetooth Function.
  • The professional protein earpad and 90° swiveling earcups. More durability and comfort, Enjoy high-quality, Long-listen comfort. Skin texture, lightweight comfortable around-ear fit you can wear all day long. Gentle Reminder: please take off the headphone every 2-3 hrs to get your ears relax, in order to get better hearing enjoyment, and keep the head comfortable.
  • 30 hours playtime per charge at Bluetooth mode. A built-in 750mAh battery won’t allow your headphones power off, you can enjoy your world without noise for 30 hours’ long time. Don’t need to worry the power shortage problem on the long travel. 18-month warranty and quick response & friendly customer service. Dedicated customer service team, provide you with quick response and friendly customer service, which will always serve for you and certainly satisfy you.

COWIN E7 Active Noise Cancelling Bluetooth Headphones with Microphone Wireless Headphones Over…: $ 56.99

COWIN E7 Pro [2018 Upgraded] Active Noise Cancelling Headphone Bluetooth Headphones

  • Professional Active Noise Cancelling Technology. Significant noise reduction for travel, work and anywhere in between. Advanced active noise reduction technology quells airplane cabin noise, city traffic or a busy office, makes you focus on what you want to hear, enjoy your music, movies and videos. The noise cancellation function can work well both in wire and wireless mode
  • Much Better Sound. Proprietary 45mm large-aperture drivers provide you with deep, accurate bass response. From 75dB to 85dB, the COWIN E7 PRO Active Noise Cancelling Over Ear headphones give you crisp, powerful sound and quiet that helps you enjoy your music better. The goal that provides Customers with better sound quality, is our constant pursuit
  • Upgraded Soft Ear Cushions for Comfort with The professional protein earpad and 90 swiveling earcups: This Bluetooth headphones are equipped with Upgraded Soft Ear Cushions, which not only make it much more durability and comfort, but also make customers enjoy this high-quality, Long-listen feast. And the Skin texture, lightweight comfortable around-ear fit you can wear all day long. Gentle Reminder: please take off the headphones every 2-3 hrs to get your ears relax
  • Much Higher-quality Built-in Microphone and NFC Technology. COWIN E7 PRO provides high-quality built-in microphones for hands-free calls, Which is convenient for you to free yourself from wires. NFC pairing aided by voice prompts, promises quick and stable connection with your Bluetooth enabled devices, Powerful Bluetooth Function
  • More Stable Battery Life. 30-hour playtime per full charge at Bluetooth mode. A built-in 800mAh battery won’t allow your headphones power off, you can enjoy your world without noise for 30 hours’ long time. Don’t need to worry the power shortage problem on the long travel. 18-month warranty and quick response & friendly customer service. Note: The exclusive authorized seller is COWIN.

COWIN E7 Pro [2018 Upgraded] Active Noise Cancelling Headphone Bluetooth Headphones Microphone…: $ 69.99

COWIN E8 Active Noise Cancelling Headphones

  • Active Noise Cancelling (ANC) Technology. Our improved ANC technology significantly reduces noise to help you focus on what you want to hear. ANC works both with and without the audio cable and is great for reducing noise during long trips on a plane or in places with city traffic.
  • Superior Sound Quality. The superior sound quality of the E8 is 25% stronger than that of our earlier E7 model. The 100dB give a deep, powerful, and crisp sound — making your overall listening experience just that much better.
  • Upgraded Soft Ear Cushions. The over-ear cushions on the E8 are designed with a 90° rotation axis to help the headphones fit snugly to your head. Our new lightweight cushion material features magnetic absorption, which helps improve comfort and sound quality over long periods of time.
  • Built-in Microphone and Bluetooth. The E8 provides you with a high-quality microphone—making calls with these headphones just that much better. The Bluetooth function supplements this nicely with the ability to detach yourself from wires, giving you the ability to make hands-free calls. Use the buttons on the headphones to turn the volume up/down or to skip/rewind a song.
  • Stable Battery Life. COWIN’s E8 headphones have a rechargeable 545mAh battery that, with ANC or Bluetooth on, has a 20-hour life to it—providing you with almost a full day of listening! Purchasing the headphones provides you with an 18-month warranty and a friendly customer service staff that will get back to you as soon as possible if you experience any problems. Note: the exclusive authorized seller is COWIN.

COWIN E8 Active Noise Cancelling Headphones Bluetooth Headphones Wireless Headphones Over Ear M…: $ 108.99

COWIN E8 [Upgraded] Active Noise Cancelling Headphone Bluetooth Headphones

  • Active Noise Cancelling (ANC) Technology. Our improved ANC technology significantly reduces noise to help you focus on what you want to hear. ANC works both with and without the audio cable and is great for reducing noise during long trips on a plane or in places with city traffic.
  • Superior Sound Quality. The superior sound quality of the E8 is 25% stronger than that of our earlier E7 model. The 100dB give a deep, powerful, and crisp sound — making your overall listening experience just that much better.
  • Upgraded Soft Ear Cushions. The over-ear cushions on the E8 are designed with a 90° rotation axis to help the headphones fit snugly to your head. Our new lightweight cushion material features magnetic absorption, which helps improve comfort and sound quality over long periods of time.
  • Built-in Microphone and Bluetooth. The E8 provides you with a high-quality microphone—making calls with these headphones just that much better. The Bluetooth function supplements this nicely with the ability to detach yourself from wires, giving you the ability to make hands-free calls. Use the buttons on the headphones to turn the volume up/down or to skip/rewind a song.
  • Stable Battery Life. COWIN’s E8 headphones have a rechargeable 545mAh battery that, with ANC or Bluetooth on, has a 20-hour life to it—providing you with almost a full day of listening! Purchasing the headphones provides you with an 18-month warranty and a friendly customer service staff that will get back to you as soon as possible if you experience any problems. Note: the exclusive authorized seller is COWIN.

COWIN E8 [Upgraded] Active Noise Cancelling Headphone Bluetooth Headphones with Microphone Hi-F…: $ 108.99

COWIN Mighty Rock 6110 Bluetooth Speaker

  • CLEAR SOUND & PERFECT BASS: Built in two 45mm speaker driver and two passive radiation, which provide more stereo clear and loud sound,as well as provide a perfect bass effect, Help you enjoy the melody of every music in this high quality sound.
  • WIRELESS PORTABLE BLUETOOTH SPEAKER: Equipped with the advanced 4.1 Bluetooth technology, the distance of Bluetooth connection up to 33 ft, have a good connection performance,suitable for lounging around the house or other outdoor activities, such as partying,camping,hiking or biking.
  • ENGERGY EFFICIENT BATTERY: Using low energy consumption Bluetooth chip to provide more efficient power application.built-in high capacity Li-ion battery,It can connect with a variety of charging devices,equipped with Micro USB charging cable and 3.5mm Audio Cable,which means you can listen music in any situation.
  • DURABLE and STYLISH:High-end design with aluminum-alloy shell,compared with other materials,metal material can be used more long time,More suitable for outdoor travel and activities used, you do not need to worry about the friction and collision happen between in the Bluetooth speaker and some other hard products during your traveling.
  • WHAT YOU GET: COWIN 6110 bluetooth speakers,micro USB charging cable,3.5mm audio cable, Manual,18-month warranty and Sincere friendly customer service. If you have any problems about our product, just contact with us when you feel free.

COWIN Mighty Rock 6110 Bluetooth Speakers, Portable Wireless Speaker 4.1 with 16W Enhanced Bass…: $ 23.99

BGR Top Deals:

  1. Amazon is blowing out Apple Watches at deep discounts, today only
  2. Nest should be embarrassed that this $ 38 home cam is so much better than the $ 200 Nest Cam

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  1. A big mystery from the ‘Avengers: Infinity War’ post-credits scene was just solved
  2. Leak shows a crazy new foldable smartphone that looks way better than Samsung’s Galaxy F
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Cowin’s shockingly good wireless noise cancelling headphones start at $ 57 on Amazon, today only originally appeared on BGR.com on Sat, 5 Jan 2019 at 10:32:14 EDT. Please see our terms for use of feeds.


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New Year’s resolutions start with reasonable goals

New habits are hard. The best way to make them stick? Start slow, says “Atomic Habits” author James Clear. He recommends a two-step approach: Establish the baseline of your desired behavior, then build on it. “You have to standardize before you can optimize,” he tells The Post. The goal: Run four times a week On…
Living | New York Post

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Market hasn’t hit bottom but investors can start to ‘nibble’ on stocks, says Bespoke’s Paul Hickey

Investors can start finding some buying opportunities in the market — as long as they have a strong stomach, says Bespoke's Paul Hickey.
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Feige: MCU Could Start Developing X-Men, Fantastic Four Movies Within 6 Months

With the Disney-Fox merger looking to come together in January, this next year looks like it could bring some big, exciting changes to the Marvel Cinematic Universe. While MCU head honcho Kevin Feige continues to say talks haven’t formally begun to figure out how Fox-owned superheroes, like the X-Men and the Fantastic Four, will fit into the Marvel Studios fold, he has finally given some semblance of a timeline for when that will happen — and it’s sooner than we expected.

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Waiting On Big Swell For Billabong Pipe Masters, Will Likely to Start Tomorrow

WSL PRESS RELEASE

BANZAI PIPELINE, Oahu/Hawaii (Tuesday, December 11, 2018) – The final stop on the 2018 World Surf League (WSL) Men’s Championship Tour (CT), the Billabong Pipe Masters in Memory of Andy Irons, will be off again today with leftover 2-to-3 foot NNW swell. With a new NW swell forecasted to build later today, the event looks likely to start tomorrow.

“Stormy weather continuing so the event will be off today,” said Kieren Perrow, WSL Commissioner. “It is looking really good for tomorrow. Almost one-hundred percent certain that we will get underway with the Pipe Invitational. We will come back tomorrow at 7:30 a.m. for another call.

“There is a new swell starting to show on the buoys. It should build through this evening and hold for the next couple of days so we will have some options. Another series of overlapping swells through Friday and Saturday, and now Sunday and Monday are showing great potential for a new swell that is going to be even larger than what we see over the next couple of days. We will be aiming for a finish over that.”

The holding period for the Billabong Pipe Masters runs through 20 December 2018, and event organizers will select the best days to run the competition within that time frame. The next decision on if the competition will run will be tomorrow, Wednesday, December 12, at 7:30 a.m. HST.

Pipe Invitational Will Determine Two Wildcards for Billabong Pipe Masters
The first competition day of the Billabong Pipe Masters will feature the Pipe Invitational, a 32-man trials event that awards the top two finishers a wildcard into the main event. With a $ 60,000 prize purse on the line, but more importantly, a chance to play spoiler to the World Title, the Pipe Invitational will kick things off in dramatic fashion once competition begins.The 32-man draw is comprised of the top 12 finishers from the 2018 Volcom Pipe Pro, four Hawaii athletes off the International QS, four from the regional QS, six event wildcards, four standout Pipe performers, the 2017 Pipe Invitational defending event winner, and a Vans Triple Crown of Surfing contender. Names like Billy Kemper (HAW), 3x Jaws Challenge winner and reigning Big Wave Champion; former Pipe Invitational winners Finn McGill (HAW) and Dusty Payne (HAW); North Shore big wave standout Jack Robinson (AUS); and Hawaiian notable Mason Ho (HAW) fill the roster, alongside young guns like Wyatt McHale (HAW), 17, Justin Becret (FRA), 17, and Barron Mamiya (HAW), who have also earned their place in the lineup.

For more information, please visit WorldSurfLeague.com.

The post Waiting On Big Swell For Billabong Pipe Masters, Will Likely to Start Tomorrow appeared first on .

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Children who start school a year early more likely to be diagnosed with ADHD

Children who enter elementary school younger than their peers are more likely to be diagnosed with ADHD. Children born in August in states with a Sept. 1 cutoff birth date for school enrollment have a 30 percent higher risk for ADHD diagnosis than peers born in September, which may reflect over-diagnosis.
Child Development News — ScienceDaily

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Savannah Engel PR Is Seeking Part-Time Fashion PR Interns To Start ASAP In New York, NY

Start Date: ASAP OR JANUARY 2ND  Savannah Engel PR Team is looking for part time Fashion PR interns starting ASAP. The candidates must be driven, detail-oriented, and punctual with excellent verbal and written communication skills. Previous Fashion PR experience is ideal. For school …

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‘Enough Is Enough.’ It’s Time to Decertify USA Gymnastics or Start All Over Again, Gymnasts Say

The U.S. women’s gymnastics team enters the world championships in Doha, Qatar, this month as the defending team champions. American women have dominated the top of the podium at the last three championships, and five-time Olympic medalist Simone Biles is competing for her fourth all-around individual world championship title. She also qualified in all six events at the championships, and if she earns gold in each of them, could become only the second female gymnast to sweep all of the titles at a single meet since the 1980s.

But USA Gymnastics, the national federation for gymnasts for which she competes, is mired in one of the worst sexual abuse scandals in sports history. And its response to the revelations that team doctor Larry Nassar abused hundreds of athletes, including Biles, has prompted many leading many gymnasts to call for the U.S. Olympic Committee (USOC) to decertify USA Gymnastics, or at least remove everyone associated with the organization during Nassar’s years of abuse, and start all over.

“Enough is enough,” Aly Raisman, who was among the first Olympic team members to reveal she was abused by Nassar, tells TIME. She says the board of USA Gymnastics has been making “mistakes over and over again. And I think we have given them enough time. We can’t wait any more. It’s not right.”

Those calls grew louder last week after Steve Penny, the organization’s former president, was arrested on vacation with his family following an indictment for tampering with evidence relating to the Nassar scandal. His attorney said Penny was not aware of the warrant and is confident that his actions were not criminal.

Then, Mary Bono, the second person appointed to replace Penny, resigned after less than a week when it was revealed that her law firm represented USA Gymnastics and reportedly helped to provide a cover story for explaining Nassar’s absence after initial reports of his abuse. She also faced criticism from athletes including Biles for a now-deleted tweet from September in which Bono covered a Nike logo on her golf shoes in response to Colin Kaepernick’s Nike ad.

USA Gymnastics did not respond to requests for comment, although it did issue a statement regarding Penny’s arrest that said the organization “support[s] law enforcement’s efforts and [that it has] fully cooperated with the investigations by the Texas Rangers, Congress and others and will continue to do so to help the survivors and our community heal from this tragedy.” In announcing Bono’s departure, the USA Gymnastics board said in a statement that it was “in the best interest of the organization.”

In addition, USA Gymnastics refuses to settle any of the numerous lawsuits it faces from gymnasts including Raisman and Olympic teammates McKayla Maroney, Kyla Ross and Jordyn Wieber, all of whom were abused by Nassar and say that the organization failed to protect them by allowing him to continue to serve as national team doctor, even after receiving reports of his abuse.

“I was always concerned about how this was handled by USA Gymnastics, but now I feel it’s really dangerous,” Raisman says. “USA Gymnastics has not been transparent at all. There have been so many resignations, and no answers. They won’t release anything, which is making me more nervous about what else they are hiding.”

It’s now clear that the U.S. women’s gymnastics team’s dominance at world and Olympic competitions in recent decades came at a price. The entire five-woman 2012 Olympic team and four of the five-member 2016 team have revealed that they were sexually abused by Nassar, an osteopathic doctor. Over a period of more than a decade, he abused more than three hundred athletes under the guise of medical treatments. According to his victims, the abuse occurred at his office at Michigan State University where he was on the faculty, in hotel rooms during competitions and at the national training center at the Karolyi Ranch in Texas. Nassar is currently serving up to 175 years in prison for his crimes.

The USOC currently recognizes national governing bodies for sports like gymnastics, and that means USA Gymnastics adheres to bylaws established by the Olympic Committee concerning proper conduct of athletes and coaches, and compliance with its policies, which include anti-doping rules. USA Gymnastics also receives funding from the USOC to support the elite competition teams that represent the U.S. at world and Olympic events. Perhaps most importantly, many international sports federations that put on competitions such as world championships and oversee participation at the Olympics require national federations like the USOC to sponsor teams from their respective countries.

For USA Gymnastics to be decertified, a complaint would have to be filed by the CEO of the USOC. Once a complaint is brought to the USOC board, a hearing would be held including, in this case, members of USA Gymnastics and the athletes’ advisory council. The panel would then make a recommendation about whether to revoke recognition as gymnastics’ governing body. If another organization were to come forward to be recognized by the USOC, it would need a different name and would have to adhere to the bylaws of the USOC and start to gain membership of local gyms. If an alternate organization is not available to take over for USA Gymnastics, then gymnasts would temporarily compete under the umbrella of the USOC. However, if the USOC decertifies USA Gymnastics, it’s not clear whether the Federation Internationale de Gymnastique (FIG) would recognize American gymnasts at international competitions.

While unusual, there is precedent for decertification. The national governing bodies for taekwondo and team handball were decertified, and new organizations were created to replace them. In taekwondo’s case, the prior organization failed to address financial problems after USOC audits, and in team handball’s situation, USOC felt the existing management was not fulfilling its obligation to grow and populate the sport adequately.

The USOC did threaten USA Gymnastics with decertification, after it learned that Penny had waited five weeks before reporting reports of sexual abuse by Nassar to law enforcement. That led to Penny’s resignation, as well as the resignation of three top board members. But many survivors, including Raisman, want transparency from USA Gymnastics, including an explanation for why Nassar was allowed to continue to abuse gymnasts even after complaints about him were provided to its leadership, as well as explanations for the recent series of resignations.

“This is bigger than one abuser,” Raisman says. “It’s the leadership at USA Gymnastics that is creating this disaster.”

Raisman isn’t sure if decertification is the best option, but says something must be done to fundamentally change USA Gymnastics.

Nassar is in prison for his crimes, Penny resigned and the top three members of the USA Gymnastics board also stepped down. But, Raisman says, not much has actually changed at the organization. It has not acknowledged the scandal nor taken responsibility for what happened to hundreds of gymnasts who trusted that the governing body would have their best interests in mind and keep them safe.

“Some of the same leaders who were there [while Nassar was the team doctor] are still there. The old influence, the bad influence that created the problem, is still there,” she says. “They didn’t listen to anything we said; they never did and still are not doing it.”

In its statement announcing Bono’s departure, USA Gymnastics said it “remain[s] steadfast in our efforts to fundamentally transform the organization at all levels to ensure athlete safety and well-being is at the heart of everything we do…While we have made progress, we have much more work to do. This board is determined to take the necessary steps to support a safe, inclusive and competitive environment where all our athletes and members can grow, have fun and achieve their goals.”

Since the survivors came forward en masse to provide victim impact statements at Nassar’s sentencing hearing in January, Kerry Perry, who was the first president appointed to succeed Penny, was called before Congress to explain how Nassar was allowed to abuse gymnasts for years, despite reports to the organization that he was a sexual predator. Rather than providing an explanation, however, she redirected the focus to her intention to “make sure we’re focusing our organization on athlete safety.” Perry resigned in September after nine months leading USA Gymnastics.

The board then appointed Mary Lee Tracy as development coordinator to oversee training for gymnasts working toward making the elite world and Olympic teams. In December 2016, Tracy had defended Nassar, calling him “amazing” although he had been charged with child sexual abuse and indicted on federal child pornography charges days before. Tracy defended her description, saying she was only referring to her own experience with Nassar and that her comments had “absolutely nothing to do with … the survivors.” When Raisman tweeted that Tracy’s appointment was a “disappointment,” Tracy attempted to reach out to the Olympian and was asked by USA Gymnastics to resign three days into the job.

“I wonder how many more times does somebody have to do something harmful that hurts, actually hurts children and affects them in potentially life-threatening ways before somebody does something?” says Jessica Howard, a rhythmic gymnast who was abused by Nassar. “It hurts me as a victim; it’s a gut punch every single time.”

Howard says that the constant poor leadership decisions and resignations, and the arrest of Penny, are only perpetuating the pain and frustration for survivors. The message from USA Gymnastics, Howard says, is that athletes’ interests are still not the top priority for the organization. “I thought, this can’t be real,” says Howard when she read about the board’s decision to appoint Bono as interim president and CEO. “Maybe I’m having a dream — I actually thought that maybe I was having a dream. They cannot be this oblivious. It’s like screaming fire and nobody comes, and there are people in the building.”

Part of the problem, say many survivors, is that the organization has failed to take responsibility for the scandal and in doing so, damaged its reputation. “No one with any integrity is willing to take the position of leadership at USA Gymnastics,” says Rachel Denhollander, who was the first to identify herself as a victim of Nassar. “For two and a half years [USA Gymnastics] has consistently demonstrated that they have no desire to do the right thing.”

For one, she and others point to the fact that Ron Galimore continues in his position as chief operating officer at USA Gymnastics. According to email exchanges in the summer of 2015 that were obtained by the Indianapolis Star, an attorney from Bono’s firm suggested that Galimore be tasked with telling the USA Gymnastics’ medical team that Nassar was absent from competitions because he wasn’t feeling well – rather than informing them that Nassar was under investigation for sexual misconduct. USA Gymnastics did not respond to a request for comment on Galimore and his alleged involvement in the Nassar scandal.

“What people need to understand is that this is not a Larry problem — Larry is a symptom of a USA Gymnastics problem,” says Denhollander. “And they have not taken care of the root problem; they have only taken care of one of the symptoms.”

USA Gymnastics cites its adoption of SafeSport policies, created by the USOC’s U.S. Center for SafeSport. It’s meant to be an independent body that can investigate allegations of sexual misconduct, but many athletes feel that isn’t enough. Raisman, for one, advocates creating an entirely independent body — not affiliated with the USOC or its various sports governing bodies — to which athletes can turn for support and safety. She is working with Darkness to Light, a non-profit that provides education to adults to help them recognize signs of childhood sexual abuse, and wants to come up with other potential solutions for keeping athletes safe not just in gymnastics but all sports. “I never imagined it would get this bad,” she says.

Denhollander is hoping that Congress, which passed the Amateur Sports Act that created the USOC oversees the national governing bodies for the various sports, will hold the USOC accountable in a more stringent way. “Congress has to act to make a difference,” she says. “There is no way forward otherwise with this organization. Until all of those people who participated in the abusive culture that led to the worst scandal in recorded or Olympic history are gone, things are not going to be done differently. That’s the reason the current board is continually making the wrong choices. It’s not an accident.”

In the absence of more positive action from USA Gymnastics, the USOC, or Congress, Raisman feels an urgency to become an advocate for change herself, especially with the next Olympic Games only two years away. “I think about them a lot,” says Raisman of the gymnasts competing at the world championships in Doha, who are aiming to make the Olympic team in two years. “When I was training for the Olympics and realized what was happening [with the way complaints against Nassar were handled] was wrong, it was hard to work for an organization that I knew was very corrupt. And now with everything that has come out, it’s way worse than I ever imagined it would be. But it’s not the survivors’ fault. It’s the organization’s fault. The moment they realized something was wrong, if they had handled it the right way, and reported it, this wouldn’t be a problem right now. I’m trying to brainstorm ideas,” she says. “We owe it to the sport. The sport deserves much better.”

Sports – TIME

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Red Sox Defeat Dodgers Once Again for a 2-0 World Series Start

(BOSTON) — From playoff flop to October ace in two legacy-shifting starts, David Price earned his second postseason victory in a row and moved the Boston Red Sox halfway to yet another World Series title.

The Red Sox left-hander pitched six innings of three-hit ball, and major league RBI leader J.D. Martinez broke a fifth-inning tie during another two-out rally to beat the Los Angeles Dodgers 4-2 on Wednesday night.

Game 3 is Friday in Los Angeles. The Dodgers need a win to avoid an 0-3 deficit that no World Series team has ever recovered from.

“This is the biggest stage in baseball,” Price said after his longest postseason outing since signing a seven-year, $ 217 million contract to come to Boston in 2016. “To be able to do that, it feels good, for sure. I’m pumped for myself, pumped for all my teammates and coaches for us to be two wins away.”

Mookie Betts had three hits for the Red Sox, who have won 14 of their last 16 World Series games dating to a four-game sweep of the St. Louis Cardinals in 2004. They have won two more championships since then, in ’07 and ’13.

Not bad for a team that went the previous 86 years without a title.

And Price had battled a curse of his own.

The one-time Dodgers draft pick has pitched like an ace in the regular season but was 0-9 in his first 10 postseason starts before this October. Whether with Tampa Bay, Toronto, Detroit or Boston, his team had never won a playoff game he started before this year.

But the Red Sox have now won his last three postseason starts, including the ALCS Game 5 clincher against the defending World Series champion Astros in which he pitched six shutout innings.

“I get it, the numbers and all that. But this guy is a great pitcher,” Boston manager Alex Cora said. “He’s been one of the best pitchers in the big leagues for a while, and he cares.”

On a frigid night at Fenway Park, Price held the highest-scoring team in the NL hitless through three innings and retired the last seven batters he faced. He struggled only in the fourth, loading the bases with nobody out on two singles and a walk as the Dodgers took a 2-1 lead — their first of the Series.

“I’m so happy for him and proud of him,” Martinez said. “Going through all that criticism that he’s been getting here, to bounce back to what he’s been doing.”

And the Red Sox batters did what they’ve been doing: scoring with two outs.

In an uncanny stretch of clutch hitting that’s been their hallmark throughout their 108-win season, the Red Sox scored all their runs in Game 2 with two outs, including a three-run rally in the fifth that only started after Hyun-Jin Ryu set down Ian Kinsler and Jackie Bradley Jr.

Christian Vazquez singled, Betts did the same and Andrew Benintendi worked the count full before walking to load the bases, chasing Ryu. Ryan Madson walked Steve Pearce to tie the game before Martinez, who had 130 RBIs in the regular season, dropped a flare in front of right fielder Yasiel Puig for a two-run single that gave Boston a 4-2 lead.

BIG FINISH

Price and three relievers retired the last 16 Los Angeles batters, with Craig Kimbrel closing out the Dodgers in the ninth for his sixth save this postseason . Not since Don Larsen’s 1956 perfect game for the Yankees against the Brooklyn Dodgers has an AL team retired as many consecutive hitters to finish a World Series game, according to STATS.

“We had him. We had him on the ropes,” Los Angeles manager Dave Roberts said. “The difference is they got the big hit when they needed, and we didn’t.”

Boston’s other run came on Kinsler’s two-out single in the second. The Red Sox, who led the majors in two-out runs in the regular season, have scored 36 of their 68 runs this postseason — and nine of their 12 in the Series — with two outs.

IN A HOLE

The last 10 teams to win the first two games of the World Series — and 16 of the last 17 — have gone on to win it all. And the NL West champions will need to do it against a team that has won six straight postseason games and five in a row on the road.

“We’re just in the middle of the World Series,” Dodgers first baseman David Freese said. “We’re down 2-0, we get that. We just understand that Game 3 is a necessity, just like Game 2.”

GREAT CATCH

One night after getting four hits, Red Sox left fielder Andrew Benintendi made a leaping, spread-eagle catch to rob Brian Dozier of an extra-base hit leading off the fifth. With the ball tailing away from him toward the corner, Benintendi jumped, kicked and pulled it in a few feet in front of the Green Monster scoreboard.

“Me and Mookie work on our ballet a lot, especially in spring training,” Benintendi said.

Dodgers center fielder Cody Bellinger may have done him one better, sliding under Martinez’s long drive to make a nice grab in the eighth.

UP NEXT

The teams head to the West Coast for Game 3 at Dodger Stadium on Friday. Rookie right-hander Walker Buehler is scheduled to pitch for Los Angeles against likely Boston starter Rick Porcello.

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Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now


Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now

We haven’t even gotten through October and Rihanna already has us super excited for the holidays. In case you totally missed it, Fenty Beauty teased its holiday collection earlier this week. Now, the full #CHILLOWT collection has been revealed in its entirety and contrary to the name, it’s hot AF. In addition to the Killawatt Freestyle Highlighting Palette, Fenty’s icy hot metallic collection will include three eye + lip trios, seven loose color pigments, brand-new Mattemoiselle lipsticks, and so much more. #CHILLOWT is set to hit Sephora, Harvey Nichols, and Fenty.com on October 12th, so put some money to the side now before you regret it later.

If you didn’t take our advice the first time around, now’s the time to gather some extra coins for Fenty. There’s so much to want from this collection, it’s pointless asking Santa for anything else.

Here’s everything coming from Fenty Beauty’s#CHILLOWT holiday collection.

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The same cream-to-powder formula that you know and love, but in shades that will heat up your look in the dead of the winter.  

Metallic Eye + Lip Crayon Trios in #FrostHunny, $ 39 

These multi-tasking metallic crayons have endless possibilities and will spice up your holiday makeup. Use them as liner, shadow, lipstick or whatever else your little heart desires.

Metallic Eye + Lip Crayon Trios in #FrostMoney, $ 39

If you like to keep it cool, #FrostMoney is the cool version of #FrostHunny. As per usual, Fenty’s got you.

And there’s even more.

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2/2 OMGGGG!!!!!! 🙀✨🙀✨🚨Here is the FULL #Holidays2018 #Collection ✨❄ @fentybeauty ✨includes: 1. Mini #FairyBomb $ 20 Each in: Candy Sparks – glimmering iridescent pink 2. #KillawattFoilFreestyle Highlighter Palette $ 54 3. Metallic #Eye + #Lip #Crayon $ 39 creamy, metallic crayons for both eyes and lips in: Frost Bunny – Banana Frost, Parka Princess, Guava Mint Frost Money – $ lu$ h Fund, Igloo Bloo, Smokin' Purp Frost Hunny – Sunfrost, Ice Dunes, Pretty Penny 4. Frosted Metal #Lipstick $ 36 creamy, metallic lipsticks: Snow Nights – No Chill, Frost Sauce, Fog Snog Snow Daze – Cuffing Season, What's Your Numb'a, So Chilli 5. Two Lil #Mattemoiselles – Chill Owt Edition $ 19 Griselda / Spanked – bold burgundy/ dusty rose 6. Mattemoiselle 10/10 #Set !! 👀🙀 10 all-new, full-size Mattemoiselle Plush Matte Lipsticks $ 149: Violet Fury – vivid violet Pumpkin Rose -rich marigold Flamingo Acid – bright berry Dragon Mami – tropical papaya I Quit – true mink F'n Black – navy black Turks & Caicos – deep teal Ballerina Blackout -loud bubblegum Thicc – sultry mauve Tiger Tini – exotic orange 7. #MatchStix By The Dozen $ 129 12 mini shimmer sticks (5 bestsellers + 7 new shades): Bordeaux Brat – radiant berry Champagne Heist – glittering champagne Starstruck – iced-out pearl Yacht Lyfe – glimmering peach-pink Ridiiic – golden papaya Confetti – iridescent purple Pink Lemonade – glimmering pink Hibi$ Cu$ -shimmering grapefruit Beach Bum -radiant peach Blonde -glimmering gold Cognac -gilded chestnut Platinum Pearl -iced-out platinum 8. Avalanche All-Over #MetallicPowder Set $ 99 includes 7 loose, metallic pigments for eyes, cheeks, and lips in: February -metallic violet Cleopatra -metallic green-gold Foxy -metallic terracotta Raspberry Rave -metallic berry Brain Freeze -metallic gunmetal Ice Cream -metallic gold Glacier Gang -metallic blue . . Will be available ➡ globally on OCTOBER 12TH on their website @sephora, @harveynichols, and #SephorainJCP worldwide! Note: the palette available now @sephoraaus and @sephoranz, online & in stores . . . . #Holidays2018 ✨❄Are you ready for it? 😍 XO #TRENDMOOD @badgalriri #fenty #fentybeauty #sephora

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Fenty hasn’t put up any official swatches yet, but according to TrendMood (who always has the scoop) and Sephora’s website, there will be one additional Eye + Lip Trip in #FrostBunny, as well as a set of 10 brand-new Mattemoiselle lipsticks, a mini Fairy Bomb, and a set of 12 Matchstix that include five bestsellers and seven new shades.

View this post on Instagram

1/2 OMGGGG!!!! L👀K! At these sets!! 🙀✨🙀✨🚨Here is the FULL #Holidays2018 #Collection ✨❄ @fentybeauty ✨includes: 1. Mini #FairyBomb $ 20 Each in: Candy Sparks – glimmering iridescent pink 2. #KillawattFoilFreestyle Highlighter Palette $ 54 3. Metallic #Eye + #Lip #Crayon $ 39 creamy, metallic crayons for both eyes and lips in: Frost Bunny – Banana Frost, Parka Princess, Guava Mint Frost Money – $ lu$ h Fund, Igloo Bloo, Smokin' Purp Frost Hunny – Sunfrost, Ice Dunes, Pretty Penny 4. Frosted Metal #Lipstick $ 36 creamy, metallic lipsticks: Snow Nights – No Chill, Frost Sauce, Fog Snog Snow Daze – Cuffing Season, What's Your Numb'a, So Chilli 5. Two Lil #Mattemoiselles – Chill Owt Edition $ 19 Griselda / Spanked – bold burgundy/ dusty rose 6. Mattemoiselle 10/10 #Set !! 👀🙀 10 all-new, full-size Mattemoiselle Plush Matte Lipsticks $ 149: Violet Fury – vivid violet Pumpkin Rose -rich marigold Flamingo Acid – bright berry Dragon Mami – tropical papaya I Quit – true mink F'n Black – navy black Turks & Caicos – deep teal Ballerina Blackout -loud bubblegum Thicc – sultry mauve Tiger Tini – exotic orange 7. #MatchStix By The Dozen $ 129 12 mini shimmer sticks (5 bestsellers + 7 new shades): Bordeaux Brat – radiant berry Champagne Heist – glittering champagne Starstruck – iced-out pearl Yacht Lyfe – glimmering peach-pink Ridiiic – golden papaya Confetti – iridescent purple Pink Lemonade – glimmering pink Hibi$ Cu$ -shimmering grapefruit Beach Bum -radiant peach Blonde -glimmering gold Cognac -gilded chestnut Platinum Pearl -iced-out platinum 8. Avalanche All-Over #MetallicPowder Set $ 99 includes 7 loose, metallic pigments for eyes, cheeks, and lips in: February -metallic violet Cleopatra -metallic green-gold Foxy -metallic terracotta Raspberry Rave -metallic berry Brain Freeze -metallic gunmetal Ice Cream -metallic gold Glacier Gang -metallic blue . . Will be available ➡ globally on OCTOBER 12TH on their website @sephora, @harveynichols, and #SephorainJCP worldwide! Note: the palette available now @sephoraaus and @sephoranz, online & in stores . . . . #Holidays2018 ✨❄Are you ready for it? 😍 XO #TRENDMOOD @badgalriri #fenty #fentybeauty #sephora

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We’re gonna go broke, Rih! Early Christmas present, anyone?

The post Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now appeared first on HelloGiggles.

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Hungry to Start a Food Truck? Get Your Business Road Ready with This Guide

For food lovers with the Midas Touch in the kitchen and ambitions of being their own boss, opening a restaurant would be a dream.

A really, really expensive dream. But there is an option that is slightly less pricy: running a food truck business.

While operating your own food truck will obviously still be a major investment, they’re typically cheaper than brick-and-mortar restaurants for a couple of reasons, including not having to sign a lease or employ a large staff.

But what exactly does it take to open and maintain your own food truck? I went to a seminar hosted by Tampa Bay Food Trucks to find out.

The company doesn’t actually own or operate any of its own food trucks. Instead, the it serves as a source of information and resources for local food truck owners.

Its network consists of over 170 food trucks and aims to help them generate as much revenue as possible by organizing events and alerting them to locations and catering opportunities. They also assist with the buying, selling and modification of food trucks.

Michael Blasco, TBFT’s chief eating officer and speaker at the seminar, wants to help potential food truck owners avoid making the same mistakes over and over, à la “Groundhog Day.”

While I can’t possibly impart everything I learned during the TBFT seminar, I can share some of the major tips, tricks and information I learned from Blasco.

Startup Costs

Michael Blasco poses for a portrait.
Michael Blasco, Tampa Bay Food Truck’s chief eating officer, teaches a seminar on the food truck business. He is pictured during a dinner break at a seminar in Tampa, Fla., on Sunday, September 23, 2018. Chris Zuppa/The Penny Hoarder

There isn’t a one-size-fits-all formula for determining startup costs in the food truck business, but let’s go over some of the major costs and decisions you’ll face in the beginning.

Truck vs. Trailer

Obviously, if you want to start a food truck business, this will be one of your first major startup costs. But do you want to go for a full-blown truck or a trailer? Your budget will play a major role in this decision.

You can find used food trucks with price tags between $ 15,000 and $ 60,000. But remember, you get what you pay for. You might be able to snag a truck on the low end, but if it’s in bad condition you could end up forking out double what you paid for it in repairs.

When shopping for used trucks, consider how much it will have to be modified to fit your needs and meet local health and fire regulations. The food truck is, after all, a vehicle, and your business will suffer if it can’t reliably get you from point A to point B. And if the truck is in the shop, that means your business isn’t making money.

If you’re willing and able to splurge, brand new food trucks will typically cost between $ 80-$ 100K, including equipment. Forking over that kind of money is a hard pill to swallow, but it means you’d be getting a truck that is definitely up to code and customized to fit your needs.

On the other hand, you could spring for a trailer. Trailers are generally more affordable than food trucks, but keep in mind that you’re going to need a vehicle capable of towing them. You have to factor that into costs.

Wraps vs. Paint

People order food at the Lakeland Food Truck Rally.
People order food at the Lakeland Food Truck Rally. Chris Zuppa/The Penny

Regardless of whether you choose a truck or a trailer, you have to brand it. And your design can make or break you. We all know we’re not supposed to judge a book by its cover, but let’s be honest — a really good design will naturally draw us in.

Painting your food truck will be the cheaper option, probably in the $ 1,000 range.

Your other option is a wrap, which is printed vinyl that will be adhered to your truck. These are considerably more expensive, running between $ 2,500 and $ 5,000.

You might balk at the price, but Blasco insists that wrapping a truck is the way to go. It can impact your sales upwards of 50%, he says.

Wraps are durable and will give your truck a clean design, which looks more professional to the consumer’s eye.

Remember, your food truck is literally a moving advertisement for your business. You have limited space, so carefully consider a design that will get your brand and name across clearly.

Blasco offers a few tips when it comes to placement.

Trailers typically ride pretty low to the ground, so your branding needs to be high enough that cars driving next to you can clearly see who you are. But for trucks, don’t put your name and information too high up, and definitely don’t put it on your serving window.

Generator

Brace yourself, because generator prices are a bit shocking: A proper food truck generator can set you back anywhere between $ 3,000 and $ 10,000. Yikes.

“Wraps and generators are like band-aids,” says Blasco. “It’s hard to accept how much they cost, but you just gotta rip it off.”

The type of food you’re serving and the amount of appliances you have will determine how many watts you’ll need to run on a regular basis. Do you need a refrigerator, freezer, fryer, stove, lights and an exhaust system? Oh, and don’t forget air conditioning.

Blasco suggests running propane when possible to avoid using too much electricity.

Don’t just consider the amount of wattage you need when generator shopping — consider also how loud the model is. Blasco warns that loud generators will deter customers and suggests they shouldn’t be louder than 68 decibels.

POS System

Sara Harper and Martin Restrepo order food at the Lakeland Food Truck Rally
Sara Harper and Martin Restrepo order food at the Lakeland Food Truck Rally. Chris Zuppa/The Penny Hoarder

The whole point of your food truck is to sell your delectables to hungry customers, right? In order to do that, you’re going to need some form of POS, or a point-of-sale system.

Oh, you say you want to run a cash-only food truck? Blasco encourages potential food truck owners to rethink that plan.

Sure, cash-only is the cheapest option — all you need to do is buy a lockbox and you’re ready to go. But we are living in an increasingly paperless world, and people are less likely to be carrying cash. You could be missing out on potential customers by not offering card or mobile payment options.

Plus, a cash-only business means you won’t have anything to track your sales or inventory.  

Luckily for food truck owners, payment processing systems have come a long way, so you don’t have to sacrifice precious space with a clunky cash register. With some services like Square, all you need is an iPad.

This is another cost that can be considered both startup and ongoing. Depending on the service you choose, some costs you may end up paying include a monthly POS fee, card processing fees and mobile data fees.

Initial Product Inventory

Madison Bray eats nachos smothered in cheese sauce, guacamole, pico de Gallo and sour cream.
Madison Bray eats nachos smothered in cheese sauce, guacamole, pico de gallo and sour cream. Chris Zuppa/The Penny Hoarder

This category goes without saying, but we’re going to say it anyway.

Some of your startup funds will have to go toward food, kitchen utensils, pots, pans, napkins, plates — the works.

Shop for products in bulk to save a penny or two, and consider potential food cost percentage when making purchases. You should aim to keep your food cost between 18% and 25% of overall cost.

A high food cost means low profit. But if your food cost percentage is super low, that probably means your prices are too high.

Operating Costs

Propane powers the Spontaneous Consumption food truck. Chris Zuppa/The Penny Hoarder

We’ve already touched on a couple of ongoing costs that you’ll be facing as a food truck operator, such as inventory and card processing fees. Let’s go over some more, shall we?

Unless you’re going to be running a one man/woman show, you’ll have to pay for labor, aka employees. And consider some hidden labor fees, like travel time to and from location.

Some cities and states have health codes that prohibit food preparation within a truck, which means you have to use a commissary. A commissary is a licensed, commercial kitchen where you can prepare and store food; maybe you can even park your truck there overnight. But commissary use means paying monthly rent.

Some other recurring costs to keep in mind include:

  • Fuel — both propane and gas
  • Vehicle maintenance
  • Event fees
  • Marketing and advertising

Branding Is Key

Business cards sit at the window for Vanchetta Rolling Rotisserie during a Tampa Bay Food Trucks seminar in Tampa on September 23, 2018. Chris Zuppa/The Penny Hoarder
Business cards sit at the window for Vanchetta Rolling Rotisserie during a Tampa Bay Food Trucks seminar in Tampa on September 23, 2018. Chris Zuppa/The Penny Hoarder

Blasco stresses that in the early process of opening a food truck business, branding is everything. It’s even more important than the food.

“No one knows what or who you are, so presentation is everything,” he says.

One major tip: Don’t pick a name you have to explain.

Sure, you might have your heart set on “The Awesome Possum” as your food truck name, but if a customer sees your truck, what will they think you sell? That’s right. Their brain will automatically think you sell possum. And no one wants that.

On top of picking a clear name, Blasco stresses to all of the seminar attendees that you should pick a food theme and stick to it.

One food type means a smaller menu. A smaller menu means faster output, which results in more customers. As a rule of thumb, food trucks should aim to have about five main menu items.

When Joe Dodd first attended the Tampa Bay Food Trucks seminar, Blasco told him that his food truck would fail. His range of menu items was broad and the name, Taste Buddz, didn’t convey a clear theme.

Eventually, Dodd took the seminar’s advice and rebranded his business as Soul Food Street Kitchen, commiting to a clear name and one type of food. It paid off — his sales went up 30%.

A Day In the Life

Jacquelyn Hayes (right), and her daughter, Miranda Hayes, 14, serve customers
Jacquelyn Hayes (right), and her daughter, Miranda Hayes, 14, serve customers. Chris Zuppa/The Penny Hoarder

We’ve covered a lot of the technical aspects of running your own food truck business; now let’s talk about the day-to-day life.

Consider yourself warned: Food truckers put in long hours, operate on a sporadic schedule and do it all inside of a sweltering truck full of cooking equipment.

On average, food truckers will shoot for 20 to 25 shifts a month, working double shifts three days a week.

When you’re working doubles, that means being up by 7 or 8 a.m. to get prepped and on site by 11 a.m. for a lunch shift, which will usually end around 3 p.m. Then you have to get everything cleaned and packed up, and head to your next location for a dinner shift. By the end of dinner and cleaning for the night, you probably won’t be home until 10 p.m.

Blasco says that the long hours and the heat are some of the hardest parts of working as a food trucker — that, and securing spots.

You could work with a company like Tampa Bay Food Trucks that helps you find locations and gigs. But if you’re operating solo, finding lucrative spots that you are legally allowed to sell at will be more difficult.

Let’s Wrap It Up

Cheerleaders hang out at a food truck rally.
Kassidy Lehner (center) hangs out with friends. Chris Zuppa/The Penny Hoarder

Get it? Like a food truck wrap? Please, hold the applause.

We covered a lot of information, but trust me when I say there’s a lot more to be learned about running a food truck business. We didn’t even touch on insurance, permits or any legal costs you might incur! But here’s a pro tip or two: Permits and regulations vary state to state, and your personal car insurance will not cover a food truck.

Hopefully, this information can at least serve as a starting point for any potential food truckers out there.

Ultimately, running a food truck is just like running any other business, even a brick-and-mortar restaurant. Preparing yourself with as much information as possible can only help you.

Kaitlyn Blount is a staff writer at The Penny Hoarder. If she ran a food truck, it would specialize in grits, and would be called Let’s Talk About Grits, Baby.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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