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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

Should I Buy an Electric Scooter? What You Can Learn

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person riding a scooter

Have you wondered if buying an electric scooter for short rides is a worthwhile investment? As more people and communities turn to alternative transportation, the shift is often driven by a desire to reduce their carbon footprints and enjoy added convenience. This growing trend has many asking the question, “should I buy an electric scooter?” From electric bikes to unicycles, there’s a lot you can learn and gain when choosing an e-scooter for your daily commute.

Learning to ride a scooter is easy

should I buy an electric scooter like this?

To learn how to ride your electric scooter is surprisingly easy. The learning curve is so low you can start cruising down the road in a short time. The Gotrax GXL V2 e-scooter is a good choice for beginners. It is affordable at just around $349 and can get you to work and back in a single charge. If you’re wondering whether you should buy an electric scooter, this model is a great place to start.

Once you finish the easy assembly and four-hour charging, you can already use it. It has the usual handbrake and bell on the left side. On the right sits a thumb throttle which you simply turn to gain speed and keep your balance. 

You should lower your speed when stopping. This is because the higher your speed is when braking will result in the tires wearing out quickly. You will then need maintenance which can be expensive.

Turing is easy, but you need to do it with care. With both hands on the handlebars, signaling may not be possible. This is why many high-end e-scooters have features with light-up signals for this purpose.

Get additional but helpful features

Some considerations include features such as the signal lights mentioned above, suspensions, thicker tires, or more powerful motors. These will help you navigate bumpy roads, steep inclines, and uneven terrain.

When buying e-scooters, you should also consider the battery, waterproofing of the scooter, or portability. These are investments that can make your rides safer and more comfortable. 

Consider your city’s laws

Before buying that electric scooter, check out your town or city’s laws about speed limits or the use of these EVs in general. Most budget-friendly scooters can travel up to25 km/h, but it’s still a good idea to know what your limitations are to prevent problems with the law.

Nighttime riding can also be a cause for concern if you plan on doing much of it. You may have to invest in headlights and reflectors to safely enjoy riding at night. You can also get helmets that already have lights and reflectors on them.

An electric scooter is faster and fun

Should I buy an electric scooter?

Not only will you see huge savings on gas, but you’ll also be enjoying your rides with an electric scooter. These may be the two main reasons the EV craze has hit many towns and cities. The feel of the wind on your whole body while on it gives an exhilarating feeling that driving a car won’t ever duplicate.

Getting out of traffic quickly and efficiently is also a perk of having to ride an e-scooter. If you don’t have a lot to carry, an e-scooter is the best mode of transportation for short rides. However, you can also opt for a bag attachment that will allow you to bring a few items and small cargo when riding.

You’ll be addicted to it

Be warned: casual riding in your electric scooter can be addicting and leave you wanting more. This may be the exact reason add-ons are popular, while upgrading to higher-end models seems to be the norm for some people. After a few rides, you would see yourself wanting to get a particular feature and opting for more power and speed. So, as an answer to the question, should I buy an electric scooter? You should say yes!

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Lifestyle

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

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drop your

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 often get carried away with these activities, and unfortunate incidents befall us. One of those unavoidable incidents is accidentally dropping your smartphone into 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

Drop your smartphone in the ocean

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 is now with the sea. 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 take snaps for your Instagram or create 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 challenging to disassemble the phone, especially if you’re unfamiliar with the process. 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

Gift Guide: 25 Best Gifts for Women for All Occasions

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a woman's hands holding a gift

You don’t have to wait for the holidays to surprise the special women in your life. You can browse through this gift guide to find the best gifts for women for any occasion. These unique and thoughtful presents are sure to put a smile on their faces.

1. Dearfoams Memory Foam Slipper

slipper

Jessica Plush Criscroos Slippers by Dearfoams make a gorgeous yet functional gift for your mom, wife, daughter, or friend on any occasion. They’ll surely appreciate your gesture of helping them say goodbye to achy feet with these lovely slippers. 

Buy it now for $20

2. The Gift of Self-Love Workbook 

self love workbook

Give your favorite gal this heartfelt and relatable book for her self-love journey. The bestselling paperback has quizzes, writing exercises, and a step-by-step guide to express their emotions, feel motivated, and increase their self-confidence. 

Buy it now for $14

3. Sephora Favorites Makeup and Skincare Set

For women who love makeup, here’s a gift set from Sephora. This Clean Me Up Makeup and Skincare Value Set includes eight must-have beauty products enriched with skin-loving ingredients. It also includes products from Glow Recipe, Tower 28, Olehenriksen, and more.

Buy it now for $50

4. Akola Glow Unlock-it Bracelet

An unlock-it hinged bracelet, this unique and classy gift is ideal for all the special women in your life. It is perfect for all ages and styles, thanks to its timeless design. It features twin bezel-set designer crystal baguettes in a green emerald hue, engraved with the word GLOW.

Buy it now for $175

5. Tulianna and Alejandra Garces Rosebud Earrings 

Celebrate friendship, love, and romance with these pretty Birthstone Balloon Earrings by Tulianna and Alejandra Garces. The makers of these fancy earrings decided to cast colorful drops in a glassy eco-resin. Gift a set of these to someone special and show how much you love them. 

Buy it now for $30

6. Merokeety Knit Loungewear Set 

loungewear

Everyone needs comfy pajama sets to lounge around the house on a lazy weekend. So. grab a pair of this knitted casual nightwear from Merokeety. Besides, you could wear them separately, too, making it a perfect work-from-home OOTD. 

Buy it now for $36

7. No-Pressure Reading for Fun Journal from Uncommon Goods

Enhance the joy of reading with this thoughtfully designed journal. This helps the bibliophiles in your life with tracking their reading, reflecting on their favorites, or rediscovering the fun in books.

But it now for $22

8. Bubble Soy Candles 

Make your special someone smile by giving this scented cube-style candle in pastel colors. This lovely present is one of the cheapest yet most beautiful items in our women’s gift guides collection. 

But it now for $15

9. Mom Kindness Change-It-Up Clutch

clutch bag

 Any woman will love the functionality of this clutch which can fit all her essentials. And the proceeds from every purchase go to Every Mother Counts, a nonprofit organization that promotes safe pregnancy and childbirth for every mother everywhere.

But it now for $40

10. IUGA Navy Yoga Pants

yoga pants

These yoga leggings are a perfect present for women with an active lifestyle. It’s an ideal workout leggings made comfortable because of Four-way Stretch materials. 

Buy it now for $20

11. Pavoi Chunky Gold Hoop Earrings 

earrings

These Hoop Earrings are always best sellers! This thick hoop earring is crafted to be lightweight for easy all-day wear. They are Hypoallergenic; Nickel and Lead-Free with Stainless Steel Post

Buy it now for $12

12. Revlon One-Step Volumizer Enhanced 1.0 Hair Dryer and Hot Air Brush

hair brush

With this Revlon revolutionary blow dryer brush, she can finish her hair in minutes. Surprise your significant other, sister, or best friend with this product that promises salon-quality results and less hassle of booking a pricey hair appointment.

Buy it now for $29

13. Ztujo Purse Organizer

purse organizer

Your mom or friend who carries everything with her at all times 100 percent needs one of these organizational inserts for her bottomless pit of purse.

Buy it now for $8

14. Senia Hot and Cold Facial Steamer

facial steamer

Show love for your favorite person by helping de-stress and regularly cleanse your skin. It has a calming nature of warm and cool mist and aromatherapy. Gift this wellness gadget to the woman you adore, and she’ll thank you for your thoughtfulness. 

Buy it now for $101

15. Masters Creative Custom Line Art Portrait

line art portrait

These custom line art portraits could be a perfect gift for those who love the minimalist look. Straight from the U.K, you can have it delivered as a digital file. Or have it printed on high-quality paper and shipped directly to you or the recipient. 

Buy it now for $12

16. Sophie Faux Fur Throw Blanket

This cozy blanket like this one from Anthropologie is a universal gift idea. This plush throw will keep her comfortable whether she’s always chilly or loves snuggling up on the couch. Plus, it comes in various colors you don’t usually find in faux fur blankets, including ochre, teal, mauve, and more.

Buy it now for $98

17. Invigorate Shower Steamers Gift Set

Energize your giftee’s shower with this Invigorate Shower Steamer gift set. It contains essential oils and aromatherapy scents, including cedar, orange, and pine. This luxurious gift is made from natural ingredients and is handmade in California.

Buy it now for $29

18. The Citizenry Aegean Cotton Bath Robe

bathrobe

This luxe bathrobe is the perfect gift for anyone who wants to feel at a hotel after a shower. It’s soft, absorbent, and has pockets that the recipient will love! 

Buy it now for $87.20

19. Flower Subscription

Give a gift that keeps on giving with this flower subscription. They’ll enjoy a new bouquet of mixed blooms each month for six months! Each arrangement is a work of art with some of the world’s most beautiful flowers. Get roses, sunflowers, hydrangeas, alstroemeria, and more.

Buy it now for $310

20. mDesign Stackable Storage Box

box

Keep clutter under control by keeping favorite jewelry and accessories in one place. These stackable containers feature multiple compartments in various sizes providing plenty of options. 

Buy it now for $20

21. Coyuchi Dillon Organic French Terry Cardigan

cardigan

You can never fail with comfortable loungewear as a present. This French terry cardigan, for example, is perfect for days when she doesn’t want to wear PJs or a robe but still wants to feel cozy. It’s made with organic cotton and has pockets for when she needs to stash lip balm or keep her hands warm.

Buy it now for $30

22. Papier Colorblock Notebook

notebook

This notebook from Papier is a gem for bullet journaling enthusiasts. The colors, cover, and paper type are customizable in many ways. You can also get it personalized with the recipient’s full name, initials, or inspirational quote.

Buy it now for $23

23. Crystal Green Beaded Bag

This cute handmade bag is made with natural beads and the perfect for holding your keys, wallet, and cards. It comes in a light green color that is semi-transparent, but totally eye-catching!

Buy it for $63

24. Custom Handwriting Necklace 

necklace

Buy this dainty necklace customized in your own words and handwriting so she can carry it wherever she goes. 

Buy it now for $220

25. Rachael Ray Create Delicious Nonstick Cookware Set 

cookware set

These pots and pans are a perfect present for your wife, who loves to cook. The cookware set features PlatinumShield Technology enhanced non-stick reinforced to be nine times harder than titanium. 

Buy it now for $169

We hope you liked what we featured in this list of women gift guides. Enjoy your early holiday shopping! And if you want more gift ideas for your loved ones, check them out here at Owner’s Mag!

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