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How To Spot Financial Influencer Red Flags

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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:

  • Facebook
  • Instagram
  • YouTube
  • Reddit
  • TikTok
  • Twitter
  • LinkedIn

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

Did You Drop Your Smartphone in The Ocean? Here’s How to Retrieve It

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smartphone in the ocean

Even if COVID-19 remains present after two years, it’s not stopping people from going on beach vacations. After all, cases aren’t as high as before, and many people have been vaccinated against the virus. And when it comes to beach vacations, it means more swimming and fun water activities, such as snorkeling, watching dolphins on the boat, and parasailing. We get carried away doing these activities that unfortunate incidents befall us. And one of those unavoidable incidents is accidentally dropping your smartphone in the ocean or sea. You’ve worked so hard to buy the device, only for it to slip away into the ocean. There’s a possibility that you can still retrieve it, though. But what do you do after you drop your smartphone in the ocean? Here’s what you need to do.

Look For Your Phone

woman walking on sand

You can still retrieve your phone from the ocean IF you accidentally dropped it in a shallow part of it. Use your feet or hands to feel for the phone. And if you have a net or something to scoop it up, do that too.

However, Do NOT in ANY CIRCUMSTANCES try to retrieve your phone IF it fell somewhere deep. You need to accept the fact that it’s long gone and it’s with the sea now. If this happens, contact your mobile phone provider immediately if you have a plan with them. They could help you with reassigning your old number to a new phone.

Switch the Phone Off and Leave it to Dry

Once you retrieve your phone, turn it off immediately. Unfortunately, you won’t be able to get snaps for your Insta or take videos for TikTok. However, this is a necessary measure once it’s out of the water. Plus, make sure to dry it with a clean towel. Since you’re still at the beach and a few hours away from civilization, this is your best bet in ensuring your phone doesn’t take any more damage.

Remember the uncooked rice myth? Yeah, that’s not true. It’s no longer recommended to put your phone in uncooked rice because it will cause further corrosion. In an old interview, David Naumann said in the USA today that if you drop your smartphone in the ocean, you can put it inside a Ziplock bag. You’ll add purified water there and a pinch of baking soda. Baking soda is necessary to counter corrosion.

Bring It to A Pro ASAP

tools on wooden table

You can be tempted to fix your smartphone once you get home. But the best person to deal with this situation is a professional. It can be difficult to take the phone apart, especially if you’re not familiar with how to do it. Once you’re back home, immediately take it to a repair shop and tell them that you accidentally dropped it in the ocean.

Preventive Measures

To prevent any data loss, why not back up your files on a cloud? That way, if you lose your phone or drop it in the ocean, you can still have your files when you get a new one.

And if you’re going to the beach, make sure to put the smartphone inside a waterproof bag. It will keep your phone dry and secure!

Unfortunately, this guy can no longer retrieve his phone. And this is why you need to take preventive measures to avoid a scenario like this.

And for other stories, news, or tips, read more here at Owner’s Mag!

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Lifestyle

N.Y. Teamsters, DGA Among Organizations Supporting Reproductive Rights

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There has always been some contention in this country about whether labor unions do more harm than good. This is, of course, despite the long list of objectively positive results from their efforts. 

An impromptu rattling off of union fruits would include: ending child labor, the eight-hour workday, worker’s compensation laws, a minimum wage, the literal f*cking weekend— and a host of other benefits that have (just barely) prevented the keepers of wealth from realizing a Dickensian capitalist dystopia. 

Through collective bargaining, all workers are made stronger. But for those of us still on the fence, New York’s Local 210 offers yet another instance of unions pushing for the betterment of common people. 

Local 210 for Reproductive Rights

Local 210—a New York-based union responsible for representing NYC-based SAG-AFTRA and Actor’s Equity staff in collective bargaining— has recently passed a resolution aiding reproductive rights. 

The announcement follows the Supreme Courts’ recent decision to overturn Roe. v. Wade—a move that stripped the bodily autonomy from over half the U.S. population, and did so against the will of nearly two-thirds of the country.

The resolution states that the Local “condemns the Supreme Court’s attack on women and affirms that reproductive healthcare services should be private, safe, accessible and legal” 

It also outlines several steps the Local is taking to help those affected by the ruling, such as working with other unions, legislators, and organizations to “ensure reproductive health care access to Teamster members who live in New York and those traveling here for care.” 

Local 210 recording secretary Bernadette Kelly announced the news on Twitter on July 11th, describing it as “a resolution that commits to ally ship [sic], resistance and organizing.” 

The International Brotherhood of Teamsters, with 1.4 million members, is one of the largest labor unions in the world, and the most diverse in the U.S. 

But, they aren’t alone in their efforts to provide resources to those whose reproductive rights are under siege.

Directors Guild of America joins fight for bodily autonomy

Last Monday, the board of trustees for the Directors Guild of America approved two amendments. One of which will cover abortion services for participants’ dependent children. The other covers abortion travel costs for participants living or working on DGA-covered projects in states where safe, legal abortions are not available. 

Both of these amendments provide some breathing room for DGA members whose rights have been recently stripped.

“The actions taken today by the Plans Trustees demonstrate strong and decisive leadership to ensure that our members and their dependents will continue to be able to have access to safe abortion services regardless of where they live and work,” DGA president Lesli Linka Glatter said in a statement. 

For more information regarding reproductive rights, please consult the following list of websites.

Resources for Abortion Rights

Abortion Clinics OnLine 

Abortion Clinics OnLine is a directory of providers of abortion and other reproductive health care services. The site allows you to choose, by state and city, from a list of abortion clinics. Clicking on a clinic links you to the clinic’s homepage, which provides more detailed information on abortion procedures, patient instructions, prices, maps, and other educational information.

Advocates for Youth

This site provides materials for young people and their advocates in the United States and abroad. In addition to a comprehensive publications list and ordering information, the site includes a series of fact sheets and briefing papers on a wide range of issues from adolescent pregnancy and childbearing to sexual abuse and violence in Sub-Saharan Africa to young women of color and the HIV epidemic. Notably, this link also includes an international program survey, which allows readers to search by country to find out about various programs working to meet the reproductive and sexual health needs of youth throughout the world.

Alan Guttmacher Institute

This site provides information on abortion, contraception, sexually transmitted diseases, and teen pregnancy, as well as a section on relevant laws and public policies. A large number of articles from AGI’s periodicals, briefing papers, and reports are also available. These include online versions of the most recent issues of The Guttmacher Report on Public Policy, Perspectives on Sexual and Reproductive Health, and International Family Planning Perspectives.

American Association of University Women

The American Association of University Women is an organization that supports equity and education for all women and girls. This site contains useful research on reproductive issues ranging from adolescent sexuality to abortion coverage bans. 

National Abortion Federation 

NAF’s website features resources for pregnant women as well as abortion providers. It includes links to NAF publications and fact sheets and information about finding a qualified provider.

Planned Parenthood

Planned Parenthood’s site is one of the best sources of online information regarding safe sex, contraception, and abortion. It includes legislative updates, pro-choice advocacy tools, a special section for teens, as well as resources in Spanish. 

For more union coverage by Owner’s Mag, check out the following stories:

Billionaires Be Warned: Organized Labor on the Rise

Former Nintendo head urges gaming CEOs to welcome worker’s unions

The First Amazon Union Have Two Words for Jeff Bezos: Ha ha

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Lifestyle

Top 10 Best Prime Day Deals 2022

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Amazon’s biggest day is back, folks! 

Prime Day 2022 has arrived and the deals are more exciting than ever. There are thousands of discounts for you to peruse, but we’ve taken the time to find the 10 best deals. Of course, you’re welcome to fall helplessly into the Amazon rabbit hole. But just in case you want to save a little time and get straight to the good stuff, here are the top 10 best prime day deals in 2022. 

Up to $700 Off TVs

New TV anyone? For all televisions that run Amazon’s Fire TV you can find a seriously insane discount on a brand new set. That plus a cute little Fire TV stick and you’ll be good to binge your favorite Prime series. 

Find a deal here

$50 Air Fryer

We all have those friends who will not shut up about their Air Fryer. If you want to give in to the peer pressure and don’t actually know how to cook, these deals are hot hot hot

…oof. That was corny…

Find a deal here

Roomba Rampage

If you’ve been waiting for an opportunity to snag yourself a sexy Roomba, now’s your chance! Get all that dirt, junk, and pet fur off your floors!

Find a deal here

30% Off Video Doorbell

You know, the Blink Video Doorbell may be a little creepy, but they’re incredibly popular, and for good reason! Update your home and get a small sense of security with this stupidly discounted item!

Find a deal here

$50 Off Earbuds

There’s nothing like a great pair of noise-canceling earbuds to shut off the annoying outside world. Save up o $50 off a pair of Echo Buds and zone out. 

Find a deal here

$40 Off Smartwatch

If you’re on a health and fitness journey and you don’t have a Fitbit smartwatch, you’re seriously missing out. This snazzy piece of tech is getting a modest discount. Treat yourself and keep better track of your health. 

Find a deal here

Save Hundreds on Android Phones

Samsung’s new Galaxy 5G phones are some serious contenders in the smartphone world. And they ain’t cheap. You better snag one of these deals and see what has all tech experts raving!

Find a deal here

E-Books As Little As $2

Personally, I’ll always prefer the feel, sound, and smell of a physical book to an ebook. But who am I to judge? They’re, like, super popular. For the reading junkie, you’ll have a chance to stock up on a whole bunch of new reads for as little as $2! Or free for Prime members in some cases. 

Find a deal here

Over 40% Off Chromebook

Chromebooks have risen in popularity as the affordable laptop option. Well, now they’re about to get even more affordable. These well-rated and reviewed computers are something you want to get ahold of! Now!

Find a deal here

$100 Off Grills

It doesn’t feel like summer unless someone’s got the grill going. Weber is an iconic brand and we couldn’t be more excited about this latest deal! So, light that fire, invite some friends, and pig out on a discount!

Find a deal here

Do you agree with our Top 10 Best Prime Day Deals 2022? Comment below with your favorite!

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