Lifestyle
How To Spot Financial Influencer Red Flags
Published
3 years agoon
Nowadays, it’s pretty easy to gather all types of information from the internet. One click and you can learn about almost anything online. That includes personal finance. And if people want to learn about personal finance, they look up to personal finance influencers.
Since personal finance is a serious and important issue, finding legitimate personal finance influencers is crucial so you don’t fall prey to fake ones. So it’s best to look out for financial influencer red flags.
In this article, we’ll dig deeper into what financial influencers do and the red flags to keep an eye on.
What do financial influencers do?
Financial influencers provide strategies and tips about how to handle money, investing, and other monetary-related topics. A financial influencer doesn’t have to undertake official courses to become one. More often than not, they share tips and strategies based on the experiences they gain throughout the years of investing, trading, or dealing with finances.
A financial influencer may even share their personal experience in terms of growing their financial assets. As long as you have a proven track record of how you grew your finances, you can be classified as a financial influencer.
Financial influencers earn money in various ways. But to become an influencer, you have to earn considerable followership to attain trustworthiness. Moreover, credibility is also an essential aspect of being a financial influencer. So one has to accumulate social proof such as testimonials from the people they’ve helped, ratings from authoritative sites, and reviews from followers.
These influencers create a website where they can typically distribute content on anything finance. In most cases, influencers earn money from ads on their sites, sponsors, or affiliate marketing. Furthermore, financial influencers also offer their services by conducting one-on-one consultation sessions with clients for a fee.
Do financial influencers give tips for free?
Yes. Financial influencers start out by giving tips and strategies to grow your money for free. This way, they can gain followers, listeners, or subscribers. They distribute finance-related content such as blogs, podcasts, videos, ebooks, guides, whitepapers, PDF files, or even hold webinars.
The most common platforms to distribute financial-related content are:
- YouTube
- TikTok
You may also find financial influencers in their element in various groups and forum websites such as Quora. And you can gain many tips and strategies from other people who pitch into the conversation.
5 Financial Influencer Red Flags to Watch Out For
As mentioned, it’s essential to find legitimate financial influencers to learn valuable insight about money. So here are the top financial influencer red flags to watch out for.
1. Unproportioned number of followers and engagement
Buying Instagram followers is a huge thing on the platform nowadays. So before following a financial influencer, check out if there is an imbalance between the number of followers and quantitative amount of engagement. If the influencer has a million followers with only 1,000 or fewer likes on every post, that’s a red flag.
2. No social proof
You should always consider credibility when selecting which financial influencers to follow. If you can’t find social proof on any of their platforms, then it means the influencer hasn’t lifted a finger to help anyone.
3. Hard selling
If you find that the influencer is always pushing for selling services or merch, consider it a red flag. A passionate financial influencer will prioritize helping others grow their money first before theirs.
4. Asking for upfront fees
As mentioned, when they’re hard selling their services and asking for fees upfront, get one foot out the door immediately. These people want money from you above anything else.
5. Too-good-to-be-true promises
Sometimes, we fall prey to fake or too-good-to-be-true promises. Because of this, terms such as “guaranteed,” “get rich quick,” or “no fail” tend to spike up interest. However, there is no guarantee in the world of finance, so keep on searching for a legit influencer if you read terms like these.
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Lifestyle
10 Camping Tech Tools for a Fun Adventure
Published
4 months agoon
August 21, 2024By
Kai KelisCamping is a fun adventure you can spend with friends and family. Whether you’re used to camping with minimal equipment or not, having a handful of camping tech tools will make the experience enjoyable. Not sure where to start? Here are the 10 best camping gadgets you must bring on your next camping trip!
1. Solar powered charger
If you’re embarking on a week-long camping adventure, bringing a solar-powered charger is convenient. This can charge everything, from your mobile phones and Bluetooth speakers to your lanterns and heated blankets. Try to get one that’s waterproof to ensure it doesn’t get easily damaged when drenched while gaining power. These chargers are also lightweight and foldable, letting you easily carry them around. You can get a 21-watt solar panel that weighs a pound. It can charge two devices simultaneously and distribute power evenly.
2. Portable water filter
If you’re camping at any national park with potable water, there’s no need to bring a portable water filter. However, buying one is convenient and safe if you’re camping in the middle of nowhere for days and can only bring limited drinking water. Choose one with the most number of filtration levels. A four-stage filtration can filter up to 99.99 percent into chlorine, lead, arsenic, or fluoride. Buy a portable water filter with a fast flow rate with at least 1,500ml of water per minute. This way, you can get as much drinking water for every pour. Last but not least, try to look for BPA-free medical-grade filters and materials to avoid the buildup of other harmful chemicals.
3. Heated blanket
Bringing a heated blanket will make your cold nights comfortable during your camping trip. This camping tech is essential, especially if you’re going to camp during the colder months or countries. Some heated blankets are battery-operated, and some are rechargeable. That said, bringing along a solar-powered charger makes sense. A heated outdoor blanket is made of waterproof fabric and polyester filling. This eliminates heat loss and keeps you warm in windy or rainy weather. These blankets also have multiple heating buttons to choose a temperature range, typically between 86 and 140°F.
4. Solar string lights
Bring some solar string lights to keep a nice vibe while watching the stars at night with a beer in hand. You can place these around your tent or roof to give you warm lighting while you cook dinner. Solar string lights can recharge in 20 hours under direct sunlight or may also be charged via USB for two to three hours. They can run up to 200+ hours in Low 5 Lumens and shorter hours in higher level Lumens.
5. Portable mini burning stove
If you’re spending a few days out in the woods, bring a mini-burning stove for daily fresh meals. These portable stoves are made of high-quality steel that doesn’t deform even at high 1500°F temperatures. Get a wood-burning stove that is easy to use by simply putting a pot holder at the top and using the wood stove combustion chamber. The wood ashes are quickly eliminated, letting you replace them with new wood to burn. This can also fit into a storage bag, sometimes weighing over five pounds.
6. Camping torch
This is a camping tech essential that makes your adventures convenient. You can use a portable torch to light up a bonfire or wood for cooking. You may also use it for light or even as a weapon for dangerous creatures. It’s easy to use: Simply push a button to turn on the flame, and it is equipped with a safety lock to ensure it’s kid-friendly. It can usually be refilled with butane gas.
7. Portable gas fire pit
A fire pit can add warmth and comfort during your cold camping adventure. It also adds a nice ambiance while enjoying being close to nature under the glimmering sky at night. It’s portable and comes in multiple sizes, depending on your size preference. This example includes a 19-inch fire pit with a burner lid, carry strap, and 10-foot gas hose, regulator. It’s made of durable steel and has a high-temperature finish. You can fill this up with a 20-pound LP gas tank.
8. Portable pressure shower
If you’re camping for days or weeks, you can feel fresh the next morning by bringing a portable pressure shower. It’s easy to carry and user-friendly. You fill up the opening at the top, unscrew the pump, and put the cap on. A pressure shower has a safety valve design that eliminates excess air when pressure is too high. On top of being a good camping shower, you can also use this portable shower when cleaning your car, washing your dog, or rinsing after surfing.
9. Camping lantern
Never miss out on a fun camping adventure with this portable camping lantern! If you don’t have a Bluetooth speaker, then don’t fret! This lighter doubles as a speaker, so you can listen to your favorite tunes while camping, partying, or doing anything outdoors. The lantern also has a 90-degree foldable light bar, letting you adjust the lighting to cover a wider area or focus it inside your tent. This can also serve as your power bank to ensure you’ll never run out of juice. With a 10,000mAh battery, your camping adventure will go seamlessly.
10. Mini projector
Who says camping should only include traditional activities? Bringing a mini projector can make it more fun with your kids under the stars. You can watch your favorite movie while being embraced by trees and cuddled up in heated blankets. Mini projectors can be as small as two Coca-Cola cans! They’re portable, lightweight, user-friendly, and convenient, weighing only about a pound. So, if you’re looking for nighttime entertainment, don’t forget to pack this item on your next trip!
Lifestyle
10 Adventure Travel Destinations You Don’t Want to Miss
Published
4 months agoon
August 20, 2024By
Kai KelisPacking for an adventure travel is the most exciting thing! You’ll find yourself prepping weeks before the scheduled trip. Aside from packing, researching things to pack and what to do before and during the adventure is essential. If you have an upcoming trip to one of these travel destinations, here’s a quick guide to prepare you for the trip of your life!
1. Everest Base Camp Trek in Nepal
Every mountaineer would probably jump on the first opportunity to trek Everest’s base camp in Nepal. It’s one of the most coveted hiking trips worldwide. The most experienced mountaineers can go all the way up to the summit. The Everest base camp hike is challenging for an average hiker due to altitude. It lasts 12 to 14 days with a total incline of 6015 meters. Although a guide isn’t required, it’s highly recommended. You can also opt for the Guest Houses along the way if you want to sleep comfortably with showers and restaurant facilities.
2. Ice Cave Exploration in Iceland
Iceland is a beautiful country full of greenery and glaciers. The Vatnajokull National Park is Iceland’s most popular place for ice cave explorations. You can either rent a car or ride the bus or mini-bus to get to Iceland’s glaciers. However, renting a car is the easiest way to get around Iceland and enjoy the scenery at your own pace. Make sure you plan a trip from November to March only because the glaciers are melted during summertime. Ice cave explorations are also day trips that don’t require you to spend overnight around the area.
3. Great Barrier Reef Dive in Australia
Australia boasts the most beautiful beaches in the world. It’s also a surf destination if you’re into watersports. However, you can embark on the biggest adventure travel of your life—diving the Great Barrier Reef. The reef extends 2,300 kilometers from north to south and comprises 2,900 individual coral reefs. It also has the largest natural structure, with more than 400 species of coral reefs.
4. Machu Pichu Trail Trek in Peru
The Machu Pichu Trail is one of the most popular treks in the world. Located in Peru, you can enjoy this UNESCO New World Wonder with an expert guide. The best time to visit Machu Pichu is during the months of June, July, and August. These are the region’s dry months, and hiking Machi Pichu is better during sunny conditions. Accommodations also get booked quickly, so make sure you book in advance. Try to do the iconic four-day Inca Trail!
5. Sandboarding in Morocco
If you’re not cut out for watersports activities like surfing, then try sandboarding in the Sahara. Most visitors go to the two largest dunes in the Moroccan Sahara—the Erg Chebbi or Erg Chigaga. You can do fun activities in the beautiful golden dunes that flow through different slopes toward the horizon, such as camel trekking or camping at the Berber campsite. But one of the most fun activities is sandboarding. You glide down the sand dune with your feet strapped onto the board.
6. Grand Canyon Rafting in America
If you’re from the United States and haven’t been to the Grand Canyon, it’s high time you visited! The Grand Canyon National Park offers many recreational trips, both commercial and non-commercial. You can take guided activities through 15 river concessioners because non-guided “private trips” are sometimes dangerous and not recommended for those newbies. River rafting doesn’t need experts to be enjoyable. It’s doable for every average traveler! Even kids ages 10 to 12 are allowed on motorized rafting trips. The most popular months are May and June since the weather isn’t so hot. However, don’t forget to book a commercial trip in advance for a year or so!
7. Great Walks Hikes in New Zealand
The “Great Walks” is regarded as New Zealand’s multi-day hiking. When embarking on this adventure travel, make sure you pre-book your beds in the backcountry huts along the tracks. During the hiking season, the cost of staying in these huts is crazy. Hiking the Great Walks will immerse you in New Zealand’s pure wilderness. You can also choose which hike you want, as there are multiple options. The Lake Waikeramoana Track is one of the gentlest trails, while the Kepler Track is the most challenging trail of the Great Walks.
8. Hot Air Balloon Ride in Turkey
If you want a unique and magical experience, try riding a hot air balloon over Cappadocia in Turkey. This is a one-of-a-kind experience that lets you see Cappadocia just when the first light hits the skyline. The best time to do this activity is during spring and autumn, from April to May and September to October. It offers the best weather for hot air balloon rides.
9. Glacier Hunting and Caving in Greenland
Greenland is the second-largest icefield in the world. It’s also one of the best adventure travel destinations you mustn’t miss. This place offers the best views and beautiful white-ice mountains you’ll never see elsewhere. You can go ice caving and see ancient ice and some interesting frozen formations. Try visiting the Kulusuk ice cave, which was discovered in 2016 and has had fewer than a thousand visitors since. Unlike other ice caves, this one can only be reached once the snow melts during summertime.
10. Jumeirah Beach Skydiving in Dubai
If you want to amp up your adrenaline with an exhilarating adventure, try skydiving over Palm Jumeirah in Dubai Marina. This quick skydive activity will take about 25 minutes from the interview until touchdown. It’s also one of the safest skydive adventures in the world, with certified instructors and various packages for your preference and budget.
If you frequent the outdoors, you know how important protecting your playground is. When you’re close to nature, you must always prioritize eco-consciousness. While you practice sustainable habits, supporting brands prioritizing sustainability becomes a top priority. If you’re always planning an outdoor adventure and need the gear, here are the top 10 sustainable outdoor gear brands you must check out.
1. Patagonia
Over the years, Patagonia has lined up its corporate social responsibilities, mainly focusing on labor and the environment. They have robust social responsibility programs that ensure workers and communities are cared for. Patagonia claims that 85 percent of its products are made in factories with Fair Trade Certified certifications. The brand also helped over 85,000 workers by participating in Fair Trade programs. The brand also helped more than 2,000 farmers from its Regenerative Organic Certified cotton program.
2. Osprey
Osprey, a brand that creates robust backpacks for travel and outdoors, is also committed to sustainability. The company is a trusted bluesign SYSTEM partner, which helps eliminate PFAS-based DWR in 100 percent of its textile products. On top of its promise of eco-friendly materials, the standard for its backpacks is unparalleled, offering durability, functionality, and repairability. These products undergo field testing and athlete evaluations to ensure it’s a pack that runs a lifetime.
3. Hydro Flask
Plastic bottles comprise one of the highest numbers of ocean pollutants. Hydro Flask is committed to minimizing this by introducing excellent insulated water bottles that last a lifetime! I bought one five years ago, and the insulation functionality still works like the very first day I got it. The brand boasts its recycled-content bottle, the Slingback Bottle Pack, with a 100 percent recycled polyester body. It also eliminated single-use plastic for its packaging, specifically for 90 percent of its products. Hydro Flask uses soy-based inks and no foils and varnishes for their products too!
4. Black Diamond
Black Diamond is among the top brands for the best outdoor gear, specifically reliable and durable helmets. The company’s ethos is based on the team’s outdoor pursuits. First, the company’s 12,000-square-foot headquarters is energy-efficient, with a 2,200-watt solar photovoltaic system that generates about 3,000 kWh of electricity per year. Black Diamond also advocates for sustainable outdoor and recreation practices and is a founding member of the Outdoor Industry Association’s Climate Action Corps.
5. Sierra Designs
Sierra Designs is also one of the best sustainable outdoor gear brands you can rely on. They aim to create products that have as minimal impact as possible on Mother Nature. The brand boasts the DriDown product, which ensures that feathers come from animals that weren’t subjected to any harm. The brand also uses neglected recycled materials for its fabric’s exteriors and insulation for apparel and sleeping bags. A lifetime warranty also backs all Sierra Designs products.
6. Hyperlite
Hyperlite is your go-to outdoor gear brand if you’re into climbing, hiking, or rock climbing. The company is committed to sustainability for as long as the brand is still in operation. They created the Hyperlite Mountain Gear ethos, essentialism, which differs from minimalism. The brand believes that an intentional and thoughtful approach to assembling its backpacks ensures its products are safe, comfortable, warm, and efficient. Hyperlite is a proud partner of Dyneema, a bio-based fiber company, and promises to use this fiber in all its outdoor gear products.
7. MSR
For all your climbing equipment, don’t miss out on MSR products. The founder, a lifelong mountaineer, believed that a safe and reliable equipment is key to greater adventures. Today, the brand is proud to hand-build many MSR products. The brand is also another founding members of the Outdoor Industry Association Sustainability Working Group. It’s a collaboration of over 300 outdoor brands, manufacturers, and suppliers that focus on sustainability challenges and solutions.
8. Sunski
When you’re enjoying outdoor adventures, make sure you enjoy it in style with Sunski sustainable glasses. Sunski is a fantastic eyewear manufacturer in America that uses plastic scraps to turn into frames! A unique sunglass niche in the industry. The sunglasses are flexible, lightweight, and extremely durable. All Sunski customers will also get a lifetime warranty for their glasses. And if they break? Repair or replacement is free!
9. Cotopaxi
Cotopaxi backpacks, travel packs, hip packs, and duffels are colorful and vibrant and made with eco-friendly materials. They embarked on the The (Re)Purpose™ Collection program, which uses recycled deadstock or leftover fabric from other fashion brands. They also offer a lifetime guarantee on repairs or replacements. As members of the Sustainable Apparel Coalition, they support Amazon’s reforestation. Cotopaxi believes that doing good will create a ripple effect, so they reward customers who #DoGood!
10. Goal Zero
Here’s another eco-friendly outdoor gear brand for all your needs and more. To offer you the best outdoor camping experience, Goal Zero even sells power essentials, such as inverter generators, handheld portable power devices, solar panels, and battery banks. The company also aims to practice eco-conscious manufacturing methods by ensuring all 10+ factories in nine countries adhere to environmental and human rights standards. Its top sustainable camping gear is the Yeti Portable Power Station, with a four over five rating!