8 Rekomendasi Menu Sahur dan Buka Puasa Ramadan 2024

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Bazar Takjil Ramadhan. (CNBC Indonesia/Tri Susilo) Foto: Bazar Takjil Ramadhan. (CNBC Indonesia/Tri Susilo)

Jakarta, CNBC Indonesia – Mulai hari ini, umat muslim sedang menjalankan puasa selama sebulan penuh di bulan suci Ramadhan. Pada saat sahur bisa menjadi momen spesial bagi seorang muslim, karena bisa menjadi waktu berkumpul dengan keluarga untuk makan bersama.

Sahur merupakan waktu makan penting sebelum memulai puasa. Sebab, bukan hanya tentang mengisi perut sebelum puasa, tetapi juga menjadi waktu untuk mengumpulkan energi saat menjalani aktivitas di bulan puasa Ramadhan.

Sehingga, penting bagi kita untuk memilih menu sahur yang bergizi agar kuat menjalani puasa seharian.

Baca: MUI Haramkan Kurma Israel, Ini Alasannya

Mengutip website detik, Berikut adalah rekomendasi menu sahur pertama saat bulan Ramadhan 2024.

1. Nasi Merah

Nasi merah mengandung karbohidrat kompleks sehingga dapat menimbulkan efek kenyang lebih lama. Hal ini bisa terjadi karena makanan berkarbohidrat kompleks memerlukan waktu yang lebih lama untuk dicerna tubuh.

2. Buah-Buahan

Buah-buahan sangat direkomendasikan untuk dikonsumsi ketika sahur. Buah-buahan seperti semangka, apel, melon, dan buah-buahan lain yang mengandung banyak air. Selain itu, buah yang mengandung serat tinggi juga dapat memberikan efek kenyang yang lebih lama.

3. Yoghurt

Yoghurt dapat membantu memberikan energi tubuh ketika berpuasa, karena Yoghurt kaya akan protein, kalsium, dan vitamin.

4. Oatmeal

Oatmeal merupakan salah satu makanan yang menjadi sumber protein dan karbohidrat. Makanan ini juga bisa membantu menahan rasa lapar ketika berpuasa. Oatmeal juga bisa dikombinasikan dengan buah atau makanan lain agar mendapatkan gizi yang sempurna.

5. Ikan

Ikan sangatlah cocok untuk dijadikan menu sahur, karena ikan sangat fleksibel untuk diolah menjadi apa saja. Selain itu, berbagai jenis ikan kaya akan omega-3 dan 6 yang sangat baik untuk tubuh.

6. Kacang-kacangan

Kacang-kacangan dapat diolah menjadi menu makanan yang lezat, salah satunya yaitu sup kacang merah. Selain itu, kacang-kacangan juga mengandung protein yang tinggi serta lemak baik yang dibutuhkan tubuh.

7. Telur

Telur merupakan makanan simpel tapi kaya akan protein yang baik untuk tubuh. Telur dapat diolah menjadi berbagai menu makanan, contohnya yaitu sup telur, semur telur, atau bahkan hanya direbus saja.

8. Sayur

Sayuran sangat dianjurkan untuk dikonsumsi saat sahur, karena sayur mengandung banyak kadar vitamin yang tinggi. Selain itu, sayuran sangat mudah untuk diolah menjadi segala jenis masakan, seperti sayur asem, sayur lodeh, sayur tumis labu, dan masih https://perjuangangila.com/banyak lagi.

Cara Unik Jemaah An Nadzir Tentukan 1 Ramadhan, Pakai Kain Tipis

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Jemaah An Nadzir. (CNN Indonesia/Ilham) Foto: Jemaah An Nadzir. (CNN Indonesia/Ilham)

Jakarta, CNBC Indonesia- Agama Islam dipraktekkan secara berbeda oleh umat Muslim di seluruh dunia. Seringkali, kebudayaan di suatu tempat ikut memengaruhi bagaimana ibadah dan syariat Islam dijalankan. 

Di Indonesia, penentuan awal Ramadhan biasanya dilakukan dengan metode hisab atau pantauan hilal (bulan), namun Jemaah An Nadzir yang ada di Kabupaten Gowa, Sulawesi Selatan, memiliki cara tersendiri untuk menentukan awal bulan puasa itu.

Dikutip dari CNN Indonesia, Jemaah An Nadzir, yang merupakan salah satu aliran Islam di Nusantara, menggunakan ‘alat bantu’ berupa kain tipis berwarna hitam untuk menetapkan 1 Ramadhan. Bagaimana caranya?

Pada prinsipnya, mereka menggunakan metode pantauan bulan atau hilal. Yang berbeda, pemantauan ini dilakukan di balik kain tipis berwarna hitam.

Untuk melakukannya, Pimpinan Jemaah An-Nadzir, Ustad Samiruddin Pandemmui menyiapkan selembar kain hitam. Menghadap arah matahari, pria tersebut kemudian menggunakan kain hitamnya yang memiliki pori-pori besar dan menerawang. Kain tipis digunakan untuk menghalau sinar matahari, sehingga bisa nampak posisi bulan pada sore hari.

Dilihat dengan kain tipis akan kelihatan bulan itu,” kata dia.

Baca: Punya Asam Lambung/GERD? Ini Saran Dokter Jelang Bulan Puasa

1 Ramadhan 2024 versi Jemaah An-Nadzir

Ustad Samiruddin menerangkan bahwa pemantauan bulan dimulai dengan mengamati tiga bulan purnama 14, 15, dan 16 Sya’ban 1445 H/2024 M, secara berurutan bertepatan dengan tanggal 23, 24, dan 25 Februari 2024 M, sesuai dengan kriterianya masing-masing.

Setelah menetapkan tiga purnama pada pertengahan bulan Sya’ban, seterusnya menghitung perjalanan bulan, maka didapatkan 27, 28, dan 29 Sya’ban 1445 H, bertepatan dengan tanggal 7, 8, dan 9 Maret 2024 M, sambil memperhatikan jam terbitnya bulan di ufuk timur, baik saat fajar kazib, fajar siddiq dan pagi hari, maupun melihat bayangan bulan bersusun dengan menggunakan kain tipis hitam.

Pria tersebut juga menjelaskan bahwa Jemaah An Nadzir memadukan metode tersebut dengan metode lainnya. Salah satunya adalah menggunakan teknologi di ponsel pintar untuk menentukan posisi bulan.

“Jemaah An-Nadzir juga menggunakan alat bantu teknologi aplikasi melalui handphone yang sudah diteliti beberapa tahun terakhir, yang akurasi datanya sangat mendukung dan memudahkan kita untuk menentukan waktu atau jam terjadinya pergantian/new moon/kongjungsi dari bulan Sya’ban ke Ramadhan 1445 H,” kata Samiruddin, dikutip dari CNNIndonesia.com, Minggu (10/3).

“Yang juga diikuti oleh fenomena alam, seperti adanya hujan, angin kencang, petir dan pasang puncak (kondak) air laut,” sambungnya.

Berdasarkan hasil pantauan bulan, Jemaah ini menetapkan 1 Ramadan 1445 Hijriah yanghttps://perjuangangila.com/ jatuh pada Senin, 11 Maret 2024.

Sambut Ramadan di Transmart, Kurma Lagi Diskon Gila-gilaan

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Suasana Transmart Full Day Sale di Transmart Yasmin Bogor, Jawa Barat, Minggu (3/3/2024). (CNBC Indonesia/Martya Rizky) Foto: Suasana Transmart Full Day Sale di Transmart Yasmin Bogor, Jawa Barat, Minggu (3/3/2024). (CNBC Indonesia/Martya Rizky)

Jakarta, CNBC Indonesia Bulan Suci Ramadan 1445 Hijriah di depan mata. Salah satu makanan ‘wajib’ yang kerap diburu oleh masyarakat adalah kurma.

Untuk memenuhi permintaan kurma dengan harga bersahabat bagi masyarakat Indonesia, Transmart kembali menggelar program diskon besar-besaran Transmart Full Day Sale, hari ini, Minggu (10/3/2024). Program diskon ini berlaku mulai dari toko buka hingga tutup pukul 22.00 waktu setempat.

Dalam kesempatan Transmart Full Day Sale ini, konsumen bisa mendapatkan berbagai produk kurma dengan harga miring. Pertama ada produk kurma curah yang bisa didapatkan dengan Rp 35,920 dari harga normal Rp 44,900 per kg untuk di daerah Kupang.

Kemudian ada produk Kurma Palm Fruit 500gr yang bisa didapatkan dengan harga Rp 57,000 dari harga normal Rp 71,250 untuk wilayah Mataram. Sedangkan untuk wilayah Jabodetabek dan Karawang, produk ini bisa didapatkan dengan harga Rp 63,200 dari harga normal Rp 79,000.

Lalu untuk wilayah Bandung, Kurma Palm Fruit 500gr dibanderol dengan harga Rp 55,000 dari harga normal Rp 68,750. Sedangkan untuk Jawa Timur, produk ini dibanderol dengan harga Rp 54,000 dari harga normal Rp 67,500.

Sementara di wilayah Jawa Tengah, Kurma Palm Fruit 500gr dibanderol dengan harga Rp 55,920 dari harga normal Rp 69,900. Sedangkan di Banjarmasin, produk ini dibanderol dengan harga Rp 47,120 dari harga normal Rp 58,900.

Terakhir ada Kurma Tunisia yang dibanderol dengan harga Rp 51,200 dari harga normal Rp 64,000 per kg untuk wilayah Denpasar. Kemudian untuk wilayah Pontianak dan Balikpapan, produk ini dibanderol dengan harga masing-masing Rp 56,800 dan Rp 55,920.

Seperti biasa, pada program ini pengunjung bisa menikmati diskon 50% plus 20% bagi mereka yang menggunakan kartu kredit Bank Mega, kartu kredit Bank Mega Syariah, dan aplikasi Allo Bank, Allo Prime termasuk Allo Paylater.

Di samping produk kurma, Transmart Full Day Sale menghadirkan berbagai penawaran menarik untuk kebutuhan sehari-hari, elektronik, departemen store, hingga https://perjuangangila.com/sepeda.

Jack Grealish: Pep Guardiola says Manchester City midfielder will return when performances improve

Jack Grealish on Manchester City bench
Last season, Grealish played the entire Champions League final win over Inter Milan and all but one minute of the FA Cup final win over Manchester United

Manchester City boss Pep Guardiola says Jack Grealish will return to his starting line-up on a regular basis when his performances improve.

The England midfielder, 28, started 41 games for City in last season’s Treble-winning campaign, including the FA Cup and Champions League finals.

He has started only 19 games this term, including seven in the Premier League.

“He is the same player, he has the same manager, and the way we play has not changed,” said Guardiola.

“It’s just the way he has performed. That’s the difference.”

This season, Grealish has had limited top-flight minutes and of his 19 starts, four were in the Community Shield, the European Super Cup, and both ties at the Club World Cup in Saudi Arabia.

He last started a league game on 30 December against Sheffield United, when he was replaced by youngster Oscar Bobb after 52 minutes.

The £100m man remained on the bench throughout the win at Bournemouth on Saturday and there are no guarantees he will start the FA Cup fifth round tie at Luton.

“I said from day one, we need him,” said Guardiola. “He has a special quality for our team. But it depends on him. Hopefully he can do a good last three months.”

Grealish is not the first player to find himself in and out of Guardiola’s team, such are the demands the former Barcelona and Bayern Munich coach places on his players.

And the England international has been warned he will not be given time to ease himself back into the City side.

“I cannot give players three or four games to get their rhythm,” added Guardiola. “They have to find the rhythm to play for 20 minutes or 90.

“At a high level, the team don’t wait to be fit. You cannot give someone three or four games to be fit. What about the 10 who don’t play? They deserve not to play?

“You have to see the training sessions and all the small details. The players don’t have to convince me. They have to convince themselves https://perjuangangila.com/ that they deserve to play.”

Six Nations 2024: France 13-13 Italy – Paolo Garbisi misses injury-time penalty for historic Italian win

Paolo Garbisi’s injury-time penalty hit the post as Italy were denied a first Six Nations victory in France.

The fly-half looked set to seal the historic win until the ball fell off the tee, which resulted in a rushed attempt due to the shot clock.

Ange Capuozzo’s late try and Garbisi’s difficult conversion had drawn Italy level against the 14-man hosts.

Centre Jonathan Danty saw his high tackle upgraded to a red card during a half-time review.

The 31-year-old made direct head-on-head contact with Juan Ignacio Brex in an upright tackle at the end of a frustrating first half for the French.

The hosts dominated early on and scored the opening try through Charles Ollivon but lacked accuracy throughout.

The Azzurri, who have beaten France twice in Rome during the Six Nations, remained in touch thanks to penalties from Martin Page-Relo and Garbisi.

Despite having an extra player for the entire second half, Italy never threatened until the closing stages when history was in sight.

“I was thinking about trusting my process,” a dejected Garbisi told ITV Sport.

“It is part of my job to put the kick over, I take full responsibility for that. I am sorry for the team and all the supporters – it is my bad and I will work on it.”

The draw means Italy’s victory in Cardiff two years ago remains their only championship win in their last 45 attempts.

France’s struggles continue

France are yet to regain their pre-World Cup form, which had so many believing they would go on and lift the Webb Ellis Cup on home soil.

Despite a controversial victory at Murrayfield, France struggled for any flow in attack, with the devastation of a home World Cup failure still lingering.

The hosts looked like they had put all that behind them when Ollivon juggled an offload before grounding the ball for an early try.

The roof was closed at Stade Pierre-Mauroy helping to generate an electric atmosphere in Lille, with 19-year-old lock Posolo Tuilagi matching the energy through powerful carries on debut.

The 2022 Grand Slam champions were forced into a backline reshuffle for the second half following the dismissal of Dante and an injury to fly-half Matthieu Jalibert.

The impact was an unstructured final 40 minutes that sparked into life when Italy showed sharp hands to unleash their star back Capuozzo to dive over in the corner.

The confidence of Garbisi to nail the extras indicated he may well have been able to slot the much easier match-winning penalty.

However, after being forced to replace the ball and with the timer nearly up, the fly-half’s kick was not as clean as it should have been.

Italy remain bottom of the table and host Scotland next on 9 March, while France – who sit fourth – travel to Cardiff to play Wales on 10 March.

‘The way it finished is a pity’ – Quesada

Italy head coach Gonzalo Quesada, who played fly-half for Argentina, on the penalty kick at the end: “Honestly, I have so many memories – I love those kicks,” he told ITV Sport.

“Some kickers feel pressure, but I love those kicks as the team can have a reward, but I feel for Paolo Garbisi.

“I didn’t see what happened because I was coming down the stairs. I saw him rushing and it is a pity. It would have been nice to have a historical win. Maybe next time.

“It is a weird feeling. Of course, having a draw in France is a hell of a result for us.

“But, on the other hand, we know the the boys did the job to win and the way it finished is a pity, but I am proud of the boys and I think they will use this to keep on growing. It was a great game from our team.”

France defence coach Shaun Edwards, speaking to ITV Sport: “We probably overplayed the game a little bit, took one too many risks, threw penalties away and obviously the red card.

“We are fortunate the guy missed the kick, but we are disappointed with a draw. We were expected to beat Italy here today.”Six Nations table

Line-ups

France: Ramos; Penaud, Fickou, Danty, Lebel, Jalibert, Lucu; Baille, Mauvaka, Atonio, Woki, Tuilagi, Boudehent, Ollivon (capt), Cros.

Replacements: Marchand, Taofifenua, Aldegheri, Taofifenua, Roumat, Abadie, Le Garrec, Moefana.

Italy: Capuozzo; Menoncello, Brex, Mori, Ioane, Garbisi, Page-Relo; Fischetti, Nicotera, Zilocchi, Cannone, Ruzza, Favretto, Lamaro (capt), Vintcent.

Replacements: Lucchesi, Spagnolo, Ferrari, https://perjuangangila.com/ Canali, Zambonin, Zuliani, Varney, Marin.

Six Nations: Scotland 30-21 England – Duhan van der Merwe made Calcutta Cup difference

When Duhan van der Merwe scorched down the left wing to score his second try of a stunning hat-trick, it completed a Scotland turnaround that looked a million miles away just 10 minutes earlier.

With 19 minutes gone at Murrayfield, England were in total command of this Calcutta Cup contest, dominating possession and stifling Scotland with their new-look blitz defence.

Their 10-0 lead was in no way flattering.

But two moments of magic from Van der Merwe, created from next to nothing, stunned the visitors and swung momentum Scotland’s way as they marched to their fourth successive win over England.

“Van der Merwe’s second try deserved more than just five points,” said former England winger Ugo Monye on BBC One. “You need moments of magic and players to stand up – he did that.

“Not only is it a brilliant finish, I don’t think England recovered emotionally from that.”

‘One of the game’s best’

Van der Merwe has history against England, of course.

In last year’s championship, the Edinburgh man bulldozed his way through several would-be tacklers to score one of the all-time great tries, before finishing off a stunning team move to wrap up a famous away win.

And he delivered the goods against the Auld Enemy once again, with the first hat-trick by a Scotland player against England in an individual performance that will go down in the annals of the sport.

He is now just one behind Stuart Hogg as Scotland’s all-time leading try-scorer and it is a matter of when, not if, he climbs to the top of that list.

The man himself was humble afterwards, crediting the role of his team-mates in setting up his three scores.

“I can’t believe it,” Van der Merwe said. “I have never scored a hat-trick against England but I have to thank the boys for giving me the opportunity.

“I must be waking up and feeling like scoring tries. I guess I am just the lucky one to finish them off. To get my first hat-trick against England is unbelievable.”

That downplays the skill and game awareness Van der Merwe showed on his way to the tryline.3

For his first, he drifted off his left wing and followed Huw Jones, who made the initial break from midfield.

Having received the offload from Jones, the South African-born back showed superb composure to throw a dummy, step off his right foot and dot down under pressure from the scrambling England defence.

Gregor Townsend singled out that understanding of space. “His first try was outstanding, the awareness, everything,” Scotland’s head coach said.

The second score was all about Van der Merwe, though. The acceleration he showed to beat Ben Earl, and then the sheer pace to tiptoe down the line was, as Monye said, “absolutely world class”.

His third was all predatory instinct – being in the right place at the right time – as he ran on to Finn Russell’s kick to score in the corner.

Van der Merwe was beaming before he put the ball down, perhaps realising what he had just achieved, going where no Scottish player had ever gone before against England.

On an afternoon where the hosts weren’t quite at their best as a collective, Van der Merwe delivered in the key moments.

His clinical finishing was undoubtedly the difference between the sides.

“We’re waxing lyrical about Van der Merwe because he is one of the game’s best,” former Scotland captain John https://perjuangangila.com/ Barclay said.

The executive hubris driving five-day in-office mandates

(Image credit: Getty Images)

UPS CEO Carol Tomé

By Brennan Doherty19th February 2024

Some high-profile CEOs are demanding full returns with a “command-and-control” mindset.

I

In January, United Parcel Service CEO Carol Tomé announced the international logistics company was cutting 12,000 of its 85,000 management jobs. Workers who weren’t axed would be expected in the office five days a week starting March. For the corporate staffers who can perform some or all their duties from home, the mandate came as an ice-water bath.

For employees like these who spend most of their days in front of a computer, workplace experts insist remote and hybrid work cannot easily be stuffed back into the bottle. “It’s become so much of a mainstay now,” says Colleen Flaherty Manchester, professor in the work and organizations department at the University of Minnesota’s Carlson School of Management, US. We can’t go backwards, she says.

Years of post-pandemic data has shown remote and hybrid work works. Researchers have found employees retain productivity and can help companies drive profits. There are also the intangible factors that breed employee loyalty, such as better work-life balance. Throughout the past several years, many CEOs courting the idea of full office returns have pulled back due to this data and the strong pushback of their workers. 

Yet these factors haven’t stopped a handful of companies, including some very high-profile employers, from issuing mandates – or at least heavy-handed, public suggestions – that corporate workers should be back at their desks five days a week.

In finance especially, major institutions – including JPMorgan Chase, Goldman Sachs and Citigroup – have instituted five-day-attendance policies for many of its staff. Boeing, too, has taken the decision to require much of its corporate workforce back at their desks. Some data shows even more top brass are considering it, especially among large organisations.

Some leaders are just used to a certain command-and-control mode – Stephen Meier

Some experts, including Stephen Meier, chair of the management division at Columbia Business School in New York, remain genuinely baffled why companies like UPS are putting up a fight over return-to-office. But he believes there’s a common thread among many of these firms: hard-line management tactics.

You can’t continue that leadership style that you had before [the pandemic],” he says. “You need to actually empower [employees] … And, I think, some leaders are just used to a certain command-and-control model.”

This is true of many outspoken critics of remote work, such as Tesla CEO Elon Musk, who was one of the first to issue a “show-up-or-quit” ultimatum back in 2022. In a May 2023 interview with CNBC, Musk launched an expletive-laden attack on workers who wanted flexible set-ups, saying the “laptop class” was “living in la-la land”. 

Nicholas Bloom, a professor of economics at Stanford University, says Musk’s attitude towards remote work goes beyond the company’s needs. “His life is his company,” he says. “If you’re Elon Musk, you basically want to spend every minute awake and work. It’s the place your mind focuses on. You love it. It’s your career. It’s your aspiration where all your money is invested.” Some CEOs with this mentality expect the same of their workers: if am back, you will be, too.JPMorgan Chase is among the finance companies whose CEOs aren't budging on office mandates (Credit: Getty Images)

JPMorgan Chase is among the finance companies whose CEOs aren’t budging on office mandates (Credit: Getty Images)

This blunt-force, power-driven approach also showed up with JPMorgan Chase’s CEO, Jamie Dimon, when he doubled-down on in-person work in July 2023. If employees wanted the prestigious organisation on their CVs, Dimon made clear they were to follow his mandate. “I completely understand why someone doesn’t want to commute an hour and a half every day. Totally get it… Doesn’t mean they have to have a job here, either,” he said.

Beyond the cult of personality, some of these strong-armed mandates may be driven by a different type of desire for control – especially in the current uncertain economy, when corporate performance and earnings are shaky.

Bloom points to a 2023 paper by two University of Pittsburgh Katz Graduate School of Business professors who examined 137 different return-to-office announcements over the past year. The research found managers use return-to-office mandates “to reassert control over employees and blame employees as a scapegoat for bad firm performance”. Bloom says many CEOs who are leading companies in financial tumult feel pressure to make broad, sweeping – even “desperate” – changes to prove to shareholders they’re shoring up the bottom line.

He points to UPS’s Tomé, whose company reported a steeper-than-expected revenue drop in their Q4 2023 earnings. “The CEO has to stand up and say something, and has to take radical action,” says Bloom, “otherwise she’s out of a job. This is what’s going on.”

This kind of executive peacocking may convince some shareholders getting workers back in office will be a panacea – but experts say recalling employees could come back to haunt leaders.

The CEO has to stand up and say something, and has to take radical action, otherwise she’s out of a job – Nicholas Bloom

“I think a couple of these Sun King CEOs like Elon Musk have this problem,” says Bloom, a reference to French absolute monarch King Louis XIV. “They’re just out of touch with their employees, and they’re not used to hearing no… And they just rammed this thing through, which is a bad decision.”

He continues, “In the long run, performance is going to be improved by keeping employees happy, and reducing retention and recruitment costs. The research evidence shows quite clearly that for professionals and managers, hybrid is profitable for companies.”

Most companies will realise this, says Prithwiraj Choudhury, associate professor of business administration at Harvard Business School. He sees firms that have taken a hard-line on return-to-office as the exception. He believes many companies opposed to remote work will soon change their tunes.

“I think no company in today’s world can enforce a policy that is anti-talent,” says Choudhury. “It’s just not going to work. You’re going to feel the pain. You’re going to see some of your best people leave. And then there will be a course correction.” Even prestigious firms, like JPMorgan Chase, may ultimately not be able to leverage their clout to snag and keep talented staff.

Still, it doesn’t mean every organisation will budge, especially as workers have lost some of their power in a tightening job market. Hubris is powerful – and in some cases, it may prevail, even at the expense of employee desire https://perjuangangila.com/ and data-driven logic.

Should you trust personal finance advice from a ‘finfluencer’?

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blonde woman influencer with money finance in front of laptop giving advice

By Katie Bishop18th September 2023

A growing number of creators are doling out tips online for how to spend, save and invest. Is it a modern approach to financial literacy – or a big red flag?

When Yasmin Purnell started blogging in 2017, she planned to share her experiences of becoming a digital nomad. However, the creative-writing graduate and copywriter soon found visitors to her site were more interested in how she afforded her freelance lifestyle.

Noticing the hunger for personal finance advice, UK-based Purnell, now 31, rebranded her website. The Wallet Moth – a blog offering finance and frugal-living advice – was born.

“I shifted into personal finance articles, as my small-but-growing audience expressed more interest in how I had avoided debt in my 20s, how I’d budgeted to have a financial safety net for freelancing and what side-hustles I worked to support being location independent,” she says.

It’s the human aspect – sharing personal stories and putting a face to the advice – that makes all the difference, she believes. “My content doesn’t necessarily offer something that is better than traditional financial advice, but people more and more want to connect with someone they can think of as an online friend, versus a faceless company.”

Purnell is among the swelling tide of financial influencers: creators feeding a seemingly insatiable desire for content on spending, saving and investing. Throughout the past few years, the popularity of these ‘finfulencers’ has exploded, with many amassing followings into the millions. A growing part of the global influencer industry, with an estimated market size of a whopping $104bn (£83bn) as of 2022, some of these finfluencers report earning upwards of six-figures as social media presences.

Their posts can provide welcome insight into the often-opaque world of personal finance – a world young people specifically are finding harder and harder to see into. Yet if trusting money advice from strangers with murky qualifications gives you pause, there’s a reason.

A young audience

Millions of people log on every day to consume advice from financial influencers.

Humphrey Yang, a former financial adviser in his 30s, leads the finfluencer pack with more than 50m likes and 3m followers on TikTok, as of this writing. US-based Yang focuses on personal finance advice, with his most popular videos explaining concepts such as retirement accounts and stock prices. In his most-watched video – more than 14 million views – Yang acts out borrowing an iPhone, selling it and then buying the same model for less a year later in order to explain the concept of short selling.Humphrey yang

Humphrey yang

Easily digestible content like Yang’s appeals primarily to a young audience, says Radhika Duggal, an adjunct business professor at New York University and the chief marketing officer at fintech company Super.

“With the lack of financial education in schools, Gen Zers are being forced to learn about money on their own,” she says. “This is the first economic crisis that younger generations are experiencing, and it’s no surprise that they’re turning to influencers to ensure that they can make good decisions and weather the current climate.”

Connor Campbell, a business finance expert at financial comparison site NerdWallet UK, says successful finfluencers purposely provide an easy entry point into money-related topics. “Financial influencers tend to create content that is appealing to younger generations, specifically using terminology and examples that relate to pop-culture and simplifying financial terms,” he says.

One example of a simplified financial concept is “cash-stuffing“, a budgeting method that went viral on TikTok in 2022. The cash-stuffing system advocates for dividing physical cash into folders or envelopes for allotted expenses, such as groceries or hobbies, meaning followers are less likely to overspend. It’s not a novel concept, but it is new to many young social media users, especially those with limited personal finance exposure.

Content like this is helpful to promote better financial habits among young people, believes Campbell. “By presenting financial tips in an accessible way, they’ve improved financial literacy, and invoked a newfound interest in being proactive about where people are putting their money, and ways that they can bump their savings.”

Purnell agrees, saying that responses from her readers has been “overwhelmingly positive”, and that people appreciate her advice on living more frugally. She believes that the relatability of her content, combined with the simplicity of her advice, is a winning formula for young viewers. “I’m just another person looking to save money and perhaps try out a side-hustle or two,” she says.

Experts or regular people?

Yet although creators say audiences have been highly receptive to their tips, experts caution some finfluencers may also be leading followers astray – and even, in some cases, taking advantage of them.

Social media can cause people to rush into making uninformed decisions due to a fear of missing out on something that a lot of other people are participating in – Connor Campbell

“Some of these influencers are just regular people with no background in finance,” says Campbell. “Social media can cause people to rush into making uninformed decisions due to a fear of missing out on something that a lot of other people are participating in – and when these trends involve real money, this can sometimes become an issue.”

Experts have recently warned of surges in self-directed investing based on questionable guidance from financial influencers, arguing some of these social media stars are offering poor advice, either because of their own lack of financial knowledge, or because it is in their interest to post increasingly outlandish content in the interest of gaining followers.

In some cases, organisations have accused personal finance content creators of leveraging the vulnerabilities of a debt-ridden generation to boost their own follower counts. Last year, the UK’s Financial Conduct Authority (FCA) warned against online promotions focused on paying off debt, saying that influencers involved in these posts were attracting “vulnerable or indebted customers” to follow “misleading” financial advice.

Offering questionable personal finance advice to capture a large audience has been an issue for decades. Finance mega-stars, many of whom have built profitable careers with their money-management tips, have found themselves in hot water in the past. For instance, Suze Orman, a high-profile TV personality, has come under fire for endorsing questionable financial products, and was even accused of fraud in 2009.

Now, however, social media is exposing a larger, younger and often less-educated audience to often unvetted personal finance advice. There’s also the added complication of how influencers make their money – social media stars often endorse products for payment, meaning their advice may not be objective.

In particular, the rise in cryptocurrency adverts have raised flags, after high-profile cases of influencers endorsing new crypto products. The volatility of cryptocurrency means that it can be difficult to predict the market – and yet many social media users have been led to believe that digital currencies are a good investment.Finfluencer James Beckett cautions against get-rich-quick schemes and advocates for lower-risk but highly effective methods of saving and investing (Credit: James Beckett)

Finfluencer James Beckett cautions against get-rich-quick schemes and advocates for lower-risk but highly effective methods of saving and investing (Credit: James Beckett)

Last year, Kim Kardashian found herself under the microscope when she posted about cryptocurrency Ethereum Max. Although Ethereum saw a rapid rise in 2021, it quickly crashed, losing 97% of its value by January 2022. Investors who had suffered huge losses brought a lawsuit against Kardashian (who currently has more than 364m Instagram followers) and other celebrities who promoted the product, claiming that they had conspired to inflate the value of the tokens.

The case was eventually thrown out, but the judge warned of “celebrities’ ability to readily persuade millions of undiscerning followers to buy snake oil with unprecedented ease and reach”.

‘Boring but highly effective’

James Beckett, 33, launched a content side-hustle after noticing how much bad investment advice was circulating online. The former social media marketer, whose YouTube channel has a small but growing following of several thousand subscribers, says many financial influencers know that engagement comes from get-rich-quick schemes and flaunting their supposed wealth.

“TikTok has reduced our attention spans to fractions of a second, and you need flashy investing content to capture an audience,” says Beckett, based in Hertfordshire, UK.

Beckett isn’t the only one worried about too-good-to-be-true schemes and investment scams. Finance industry professionals and organisations have also started to speak out about these issues, and the FCA recently proposed a crackdown on finfluencers, arguing their advice can be misleading, and that they often “have little knowledge of what they’re promoting”.

The FCA recently proposed a crackdown on finfluencers, arguing their advice can be misleading, and that they often “have little knowledge of what they’re promoting

However, Beckett believes he and many finfluencers like him also provide what he describes as “boring but highly effective” financial advice. He says these tips are not only lower risk but also more reliable – he discusses the ins and out of concepts including passive investing and index funds – especially for young people without a strong financial-education background or lots of money to burn.

Beckett argues social media finance content can offer an accessible way into managing money, without having to pay the high fees many financial advisors or organisations demand.

“Financial influencers can be problematic, because some of them prey on people’s naivety,” he says. “But on the flip side, there are a lot of people doing good out there, and they are filling a huge gap left by our education system.”

Proceeding with caution

Without a regulatory body, the world of finfluencing remains somewhat murky.

For many, finfluencers have led to accessible financial guidance, filling a gap in financial literacy among young people. And even amid questionable advice or worrying tactics, Campbell argues that, if paired with a discerning attitude and a little bit of scepticism, finfluencers can help put people on the path to responsible money management.

“Personal finances are – as the name suggests – personal to the individual, and everyone’s circumstances are different,” he says. “It’s important to assess whether an influencer’s suggestions are relevant to your financial situation.”

Beckett adds that although finfluencers might have a bad reputation, they can also offer a route into the confusing, and sometimes intentionally opaque, world of finance and investing. Objective influencers, who don’t cash in on partnerships or present their advice as bulletproof, can be a force for good, especially for followers who’ve never thought about savings or growing wealth.

“Like everything in the world, there are good finfluencers and bad ones,” he says. “While the most obnoxious, audacious creators have a larger tendency to go viral, you can still find fantastic personal finance content on social media platforms from people who genuinely want to help. Finfluencers aren’t worth https://perjuangangila.com/ shunning entirely.”

Farmers’ protest: Death at Punjab border denied by police

Farmers, who are marching towards New Delhi to press for better crop prices promised to them in 2021, run for cover amidst tear gas fired by police to disperse them at Shambhu barrier, a border crossing between Punjab and Haryana states, India, February 21, 2024.
Image caption,Farmers flee tear gas at Shambhu barrier – a border crossing between Punjab and Haryana states

By Arvind Chhabra in Haryana, Gagandeep Singh Jassowal in Pataila, & Meryl Sebastian in Kochi

BBC News

A protester has died as farmers attempted to resume their march on India’s capital after four rounds of talks with the federal government failed to end the deadlock.

The 22-year-old’s death was confirmed to the BBC by Punjab’s health minister and a hospital official.

The farmers’ union had earlier alleged the protester had died during police action.

Haryana Police, however, said “no farmer” had died during the protest.

The farmers – who are demanding assured prices for their crops – have been clashing with police, who are trying to block them reaching Delhi.

The last time they held a protest in the capital, they hunkered down at Delhi’s borders for months. As a result, officials are trying to prevent a repeat, fortifying the city’s borders with several layers of barricades and barbed wires.

Police had been firing teargas at the protesters as they attempted to move towards the border, BBC Punjabi reported. The farmers used masks, gloves and safety suits to protect themselves from the shelling.

Farmer Shubh Karan Singh’s death on the border of Punjab and Haryana is the first since the protest began on 13 February.

He was from Balon village in the Bathinda district of Punjab, his uncle told the BBC, and was the sole breadwinner of his family.

According to Dr Harnam Singh Rekhi, medical superintendent of Rajindra Hospital of Patiala, his cause of death was a bullet wound to the head. He told the BBC more details would be available after a post-mortem examination.

Farmers, who are marching towards New Delhi to press for better crop prices promised to them in 2021, run for cover amidst tear gas fired by police to disperse them at Shambhu barrier, a border crossing between Punjab and Haryana states, India, February 21, 2024
Image caption,The farmers are attempting to reach Delhi, but are being blocked by security

Dr Balbir Singh, Punjab’s health minister, told the BBC a second boy had also sustained a bullet wound but “luckily he has survived”. He added that at least 13 people were being treated for injuries in Punjab hospitals.

But Haryana Police’s official X (formerly Twitter) account said reports of a farmer’s death were “just a rumour” late on Wednesday.

It also accused protesters of attacking officers “using sticks and maces along with stone pelting”, injuring 12.

Farmers say they will now do a sit-in protest for the next two days.

Earlier, they had warned they would use heavy machinery to push through to Delhi, with visuals from the Shambhu border – where many farmers have been since last week – showing thousands preparing to push past barriers using bulldozers and earthmovers.

Many among the protesters flew kites to interfere with the police’s operation of drones, which have been used to drop tear gas shells on them.

Farm leaders also made frequent announcements for unity, appealing to the security forces to not attack their “brethren”.

Farmers gather around a modified excavator brought to clear the police blockade of a highway stopping farmers from marching to New Delhi during an ongoing protest demanding minimum crop prices
Image caption,The farmers have brought bulldozers to remove the physical barriers placed in their way

Agriculture Minister Arjun Munde, meanwhile, has invited farmers for a fifth round of talks. “It is important for us to maintain peace,” he wrote on X. Farmers are yet to respond to this invite.

The latest round of protests also come months before the general elections in which Prime Minister Narendra Modi’s Bharatiya Janata Party (BJP) is seeking a third term in power. Farmers form an influential voting bloc in India and analysts say the government will be keen not to anger or alienate them.

Farmers’ leaders say their march is peaceful and have urged the government to let them enter the capital.

“We tried our best from our side. We attended the meetings and discussed every issue, now the decision lies with the government. We will remain peaceful, but we should be allowed to remove these barriers and march towards Delhi,” farm leader Sarwan Singh Pandher told reporters.

The government has so far held four rounds of meetings with farmers’ unions. Protesters say the government did not keep promises made during the 2020-21 protest, and also have demands including pensions and a debt waiver.

Farmers sit on a tractor at the frontline of the protest site as they march towards New Delhi to press for better crop prices promised to them in 2021, at Shambhu barrier, a border crossing between Punjab and Haryana states, India, February 21, 202
Image caption,They are also prepared for the effects of tear gas, with many donning goggles and masks to protect themselves

On Monday, farmers’ leaders rejected a proposal to buy some crops at assured prices on a five-year contract, saying the offer was “not in their interest”.

The government had proposed buying pulses, maize and cotton at guaranteed floor prices – also known as Minimum Support Price or MSP – through cooperatives for five years.

But the farmers say that they will stand by their demand of a “legal guarantee for MSP on all 23 crops”.

Meanwhile, police in Haryana have asked their counterparts in Punjab to keep women, children and journalists at least 1km away from the borders for their safety. They have also asked the Punjab police to seize bulldozers and other heavy https://perjuangangila.com/ machinery from the protesting sites.

Alexei Navalny’s widow Yulia faces daunting challenge in Russia

https://emp.bbc.com/emp/SMPj/2.51.0/iframe.htmlMedia caption,

Watch: ‘Putin killed Alexei’, says Navalny’s widow

By Sarah Rainsford

Eastern Europe correspondent

For years, Yulia Navalnaya was a near-constant presence by her husband’s side. At political protests and court hearings she would be there, often holding his hand.

In 2020 when Alexei Navalny was poisoned with a nerve agent, it was Yulia who pushed for clearance to fly him abroad for life-saving treatment.

And now he has died alone and far from her in an Arctic prison.

She blames Russian President Vladimir Putin for that and is calling on Russians to stand beside her now in fighting him.

The video statement Yulia Navalnaya posted online on Monday was a deliberate, and dramatic, step into the political spotlight. Her love for her husband is so strong, and her grief still so raw, that the recording is painful to watch in parts.

But it is very compelling.

Navalny’s widow describes herself as being torn in two, her heart broken. But it’s her fury that’s driving her to continue her husband’s cause.

She says she wants to realise his “beautiful Russia of the future”, so that his “unthinkable” death won’t have been in vain.

For some Russians who oppose Mr Putin, and are very despondent right now, the speech will have been uplifting.

Until this moment, Yulia Navalnaya was reserved and distant. But the video reveals her to be a woman of enormous inner strength.

Her loss – and her love – lend her clear moral authority and she is engaging.

Strong women

There is precedent for strong women stepping in for absent men.

It happened most notably in neighbouring Belarus, where the authoritarian Alexander Lukashenko so underestimated Svetlana Tikhanovskaya, he allowed her to register for the 2020 presidential campaign when her husband Sergei Tikhanovsky was arrested.

That sexism nearly cost Mr Lukashenko his exceedingly long grip on power. When he declared a landslide victory, Ms Tikhanovskaya brought huge crowds on to the street shouting about a rigged vote.

She had to flee abroad after a warning from the KGB and now acts as a “president” in exile.

Evgenia Kara-Murza has also taken on a global role.

When her husband was poisoned in Moscow in 2015 and 2017, Evgenia fought to stay by his side in hospital, guarding him “like a dog”.

At the time, Vladimir Kara-Murza was campaigning for Western leaders to tighten sanctions on Mr Putin’s people.

Then in 2022, he was arrested for condemning Russian war crimes in Ukraine and convicted of treason.

Evgenia, a translator by profession, now spends most of her time continuing her husband’s campaign for sanctions – as well as calling for his freedom – in Western capitals.

Crushing opposition

Yulia Navalnaya could take on a similar role.

She’s already addressed EU foreign ministers, who issued a statement of “outrage” at Navalny’s death. They declared that the “ultimate responsibility” lay with Mr Putin and promised “further costs”, as yet unspecified.

But leading opposition forces within Russia is harder to see.

Alexei Navalny and Yulia at a march held in the in memory of killed Kremlin critic Boris Nemtsov in Moscow on 29 February 2020
Image caption,Alexei Navalny (centre) and Yulia (right) at a march held in memory of killed Kremlin critic Boris Nemtsov in Moscow on 29 February 2020

Yulia Navalnaya is abroad, for a start. As she’s just accused Putin of murdering her husband, a trip back to Moscow as an activist would be highly risky.

Inside Russia, Navalny’s political organisation has been banned as “extremist”, on a par with the Islamic State group and al-Qaeda.

Just before the organisation was banned in 2021, Navalny’s team called a protest which they pitched as the “final battle”. The cause was strong. The police turnout was massive.

But the protester count was less impressive. Since then, the pressure on all opposition has intensified.

Navalny’s activists are either in prison, like he was, or they’ve fled into exile to avoid being arrested.

Vladimir Putin has spent the past two decades in power systematically crushing all opposition.

There’s nothing much left for Navalnaya to lead.

The piles of flowers at memorials to Navalny all over Russia show that many people do want change.

Each time the tributes are removed by men in black hoods, people bring more flowers. It’s an act of quiet and peaceful resistance.

It’s these Russians Navalny’s widow addresses with her video calling on people to unite into a fist and “punch hard” at the Putin regime.

But their fear, and sense of powerlessness, feel too strong.

After all, it was Alexei Navalny who punched hardest https://perjuangangila.com/ of all during his lifetime and he paid a huge price for that.