Start earning (and saving) money with these online finance courses

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If the extent of your knowledge of investing and finance was buying Beanie Babies back in the ’90s, don’t worry. These five online courses can teach you everything from how to buy and sell cryptocurrency to how to keep your checkbook balanced. 

Best of all is that each and every course is on sale. Check ’em out below:

1The Complete Cryptocurrency Course — $ 9.99

The Complete Cryptocurrency Course includes over 20 hours of insight and instruction from Chris Haroun, an award-winning MBA professor, and former Goldman Sachs employee. Even if you have zero experience with cryptocurrency or finance, by the end of this course, you’ll know all the essentials about mining, investing, and exchanging cryptocurrencies. Learn how to identify promising investment potential in a new cryptocurrency, and what the hell blockchain is and how it works. You’ll also learn about the different types of cryptocurrency wallets and the pros and cons of each, and how to read charts and identify when it’s time to buy or sell your cryptobucks. Read more…

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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


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.

Killawatt Foil Freestyle Highlighting Palette, $ 54

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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