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Instagram or YouTube: where should you be going live in 2021?



Content creator getting ready to shoot a video
Social media platforms took advantage of a newfound passion for watching live content in 2020.

No matter which platform you spent some time on last year, the most common thing we all saw was the alert messages, popping up on our screens, alerting us that a brand or friend you follow has gone live. Even trend conscious companies and introverted people ended up turning to live streaming to share content and thoughts.

With Over 2 billion users visiting each month, and 500 hours of video being uploaded to the platform every minute, YouTube is comfortably positioned as the world’s second largest search engine and second most visited site (after Google).

But in a year that live streaming moved beyond gaming – and music, studies and cultural events became popular daily streaming topics – Instagram and other platforms also took advantage of our newfound passion for watching live content.

The great news: social media live streaming is very easy. Anyone with a smart phone and a decent internet connection can now tap into the world of self-broadcasting and enjoy the dynamic, authentic, and engaging way live streams work. So, yes, those notifications sent by the platforms, to let others know when you are live, can seriously help to increase reach.

In a sea of possibilities, when it comes to social platforms enabling users to live stream with quality, if we had to narrow it down to only two, which out of Instagram and YouTube would be the best place to go live this year?


Understand the origins of the platform

“Think about what these platforms (Instagram and YouTube) were built for. Instagram was not built specifically for live-streaming, and even less so for holding your audience’s attention. It wants users to scroll down the feed.
YouTube, on the other hand, is a platform solely dedicated to video. It wants people to not only find your video – but watch as much of it as possible!

There’s also the issue of discoverability. Instagram might somehow put your videos (and live streams) in front of new people, but it’s still mainly geared towards your followers. On YouTube, however, live streams are evergreen pieces of content.”
Pete McPherson – Founder at


YouTube let you stay live for longer

“I have been working in digital marketing for over four years and my choice of best live streaming platform is YouTube, as it has more users than Instagram. Youtube’s live features run everywhere, including desktop, smartphones, and tablets. But, when we look at Instagram, only tablet and smartphone users can leverage the feature. One more plus point of YouTube is that you can run live videos for 36 hours straight with up to 60 frames per second.”

Sadia Mehmood – Digital Marketing Specialist at


Invest in sponsored YouTube videos

“YouTube is the second most visited webpage in the world and has over 1.9 billion monthly active users. YouTube videos are great resources for just about anything these days. These niches continue to gain popularity every day.

“Video marketing accounts for nearly three-quarters of internet traffic today and YouTube is a fantastic platform for high-quality content that is search-friendly and has a long lifespan. So, a sponsored YouTube video can do wonders for your brand. Also, YouTube shows comments in a larger, easier to read window than seen on Facebook or other platforms.”

Jeremy Harrison – Head of content strategy at


You don’t have to choose one over the other
“With an online art class site, a podcast, and an artist coaching business – not to mention a family who is all living at home – time is at a premium. However, live streaming is one of the best ways to connect with potential clients, students, and art collectors.

In order to maximize my time, I am streaming live using Streamyard which is a third-party app. It allows me to stream simultaneously on YouTube, Facebook page, and Facebook groups. Since this app doesn’t allow live streaming on Instagram, I decided to favour YouTube and, once a live stream has ended, my team uploads the video to IGTV and LinkedIn so that we can maximize our exposure.”

Miriam Schulman – Founder at


Think about SEO while making a decision
“Instagram is great if you’re looking for more instant gratification. You can get your current followers to watch and participate where they are already hanging out. It’s more of a community-building platform and many Instagram followers are quite loyal to the brands they follow. However, I believe the best place to go live in 2021 is YouTube because it is a ginormous search engine.

When it comes to brands wanting to try out live and seeing where they can get the best return on their time investment, YouTube is great. There is so much potential for people to discover the live stream on YouTube. Not only that, but you can keep the replay of the live stream and it has BIG opportunities for SEO. People can come into contact with the video live and there is the opportunity of them searching for that video in the future six months from now – and beyond – and it will continually benefit the business as a long-term and lasting brand awareness strategy.”

Andréa Jones – Social Media Strategist and founder of digital platform


Repurpose your content onto other platforms

“Video Marketing is not going away and is only getting bigger each year. So, if you haven’t yet embraced the idea of creating videos, 2021 is your year. A recent study by Cisco says that 82% of all online content will be videos by 2022. That’s huge!

One of my favourite platforms to create videos on is YouTube live streaming, which allows me to engage and connect with my audience. It is also a great search engine as its algorithm can attract a further reach for your brand.
The best part is that YouTube makes it easy to repurpose your content onto other platforms, allowing you to be seen at a greater scale and your content to live longer online.”

Darlene Hawley – Brand & Business Clarity Coach at




What is credit invisibility and how can it affect your finances?



A woman paying groceries with cash
Only paying in cash will make it difficult to build a credit history and may make you may be credit invisible

If you’ve never taken out a loan or owned a credit card, you may be credit invisible. This means that financial institutions have no records to show that you’ve borrowed money responsibly in the past, which lenders largely rely on to approve you for financial products.

Everybody starts off with invisible credit. However, it can affect you in more ways than one, so it’s important to seek ways to build your credit history as early as you can. Here, we look at some of the effects of credit invisibility on your finances, and offer a few tips to start becoming credit visible.

Access to financial products

Before being approved for any kind of financial product in which you borrow an amount of money, a lender will run a credit check to ensure you have a good credit history. Usually, they’ll be looking to see that you have a high credit score – this would prove that you’ve borrowed money responsibly in the past, and have been able to continuously keep up with repayment obligations.

When you have no credit history for lenders to look at, it can make it harder to qualify for financial products. Your lender will know that you have no prior experience managing borrowed money, and therefore can’t for certain know that you’ll pay any amount back that you borrow. This can be true of all kinds of borrowing options, such as credit cards and loans.

Low limits, high fees

Ultimately, everyone starts off with limited or invisible credit history. So, there will always be a restricted number of financial products available to those looking to borrow for the first time.

However, you may not be offered the best deal if you’re credit invisible. For example, you might be offered a lower limit on a credit card you apply for, or a smaller sum of money on a loan. Plus, you’re likely to face higher interest fees than those who have a visible credit history.

Stagnated progression

Most people will need to borrow money from a lender at some point or another. Usually this will be to pay for a big life expense – you may be buying a house with a mortgage, or purchasing a car on finance. Having limited access to credit options can make goals like these much harder to work towards and obtain. Unfortunately, this could have a knock on effect on your overall quality of life.

Limited access to financial products means that you’ll largely have to rely on your own savings to make any big purchases – this could set you back years when it comes to owning a property.

How can you become credit visible?

Luckily, credit invisibility impacting your quality of life in the long-term is a worst-case scenario. As long as you take a proactive approach towards your finances, you can easily remedy your credit invisibility.

There are plenty of simple steps you can take to become credit visible – you can get on the electoral roll, link your current account to a credit reference agency, or take out a monthly mobile phone contract. These tasks won’t necessarily prove that you can borrow money responsibly, but they’re a good place to start.

Next, you’ll want to look into credit options. Taking out a credit card or loan with a low limit and a high interest rate can seem like an unappealing option, but as long as you can cope with the financial responsibility, it’ll be worth it in the long run. By sticking to your limit and repayment commitments, you’ll prove to your lender that you are a responsible borrower. In turn, this will be reflected on your credit report, and your credit history will begin to take shape. Using such a product responsibly is likely to boost your credit score rather swiftly, which can qualify you for further credit options. You may even find that after a set period of time, your lender is willing to increase your limit and offer a lower rate of interest on your product.

Getting started

Keen to start building your credit history? Do plenty of research on the products available to you before making any long-term commitment. To ensure that you can keep up with the financial responsibility, create a detailed financial plan for the best results.

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Extreme tourism market to reach $91 Billion



Extreme Tourism Market to Reach $91.0 Billion
Mountain climbing held the highest extreme tourism market share in 2022 | Photo: Connor Moynihan

A recent report published by Allied Market Research forecasts that the global extreme tourism market, valued at $24.2 billion in 2022, could reach $91.0 billion by 2032.

The growing influence of social media is a powerful force surging demand in the extreme tourism market, which attracts travellers those leaving their comfort zones to engage in activities that are considered high-risk, adventurous, or unconventional, such as skydiving, bungee jumping, and rock climbing. Thanks to platforms such as Instagram and YouTube, serving visuals and tutorials breathtaking adventures,

Travelers, inspired by visually appealing content on platforms such as Instagram and YouTube, are actively seeking out thrilling experiences to share on their own social networks, driving a sense of Fear of Missing Out (FOMO) among younger demographics, compelling them to actively participate in adrenaline-pumping activities to create their shareable moments.

By adventure type, the mountain climbing segment held the highest market share in 2022, accounting for more the two-fifths of the global extreme tourism market revenue and is estimated to maintain its leadership status throughout the forecast period. However, the skydiving segment is projected to manifest the highest CAGR of 15.2% from 2023 to 2032.

25 to 45 years is the age group holding the highest market share since 2022, according to the report, accounting for more than two-fifths of the global extreme tourism market revenue. The segment is estimated to maintain its leadership status throughout the forecast period. However, by 2032 it will be below 25 years segment that is projected to have the highest CAGR: 15.3%.

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Petrol up 6p a litre so far this year in the UK



Increase in the cost of wholesale petrol has squeezed the average retailer margin which has now reduced to 8p a litre | Photo: Engin Akyurt

Petrol went up nearly 2p (1.86p) a litre in March from 144.62p to 146.48p meaning the average price at the pumps has increased almost 6p since the start of the year, data from RAC Fuel Watch reveals.

Diesel rose by more than a penny from 154.68p to 155.99p (1.31p), making for three consecutive months of rises. A full 55-litre tank of petrol now costs £80.56 – up by £1 – and diesel £85.79, up 72p.

While the increase in forecourt prices was driven by a 5% rise in the cost of a barrel of oil (from $83.55 to $87.48) in March, a surge in demand for petrol in the United States ahead of the summer has caused the wholesale price of unleaded to rise to match that of diesel. This meant that by the end of March, a litre of unleaded cost 113.3p on the wholesale market, only a penny or so less than diesel at 114.69p. If this remains the case, the gap between the two fuels at the pumps should close from its current 7p in the next few weeks.

RAC Fuel Watch data shows the increase in the cost of wholesale petrol has squeezed the average retailer margin which has now reduced to 8p a litre, in contrast to 10.5p at the beginning of the month. The average margin on diesel is 11p, up by a penny over the same period.

Looking at the big four supermarkets which dominate UK fuel retailing, Tesco had the cheapest unleaded on 31 March at an average of 142.7p across its 511 forecourts, while Asda had the most expensive at 145p. Asda, which for many years prided itself on selling the lowest-priced supermarket fuel, also had a whopping 33p price difference between its cheapest and most expensive petrol. The grocer charged 139.7p at nine forecourts, four of which are in Northern Ireland, and 172.9p at junction 29A of the M1 near Sheffield – a Shell-branded site operated by Asda. Comparatively, Tesco had the smallest difference between its lowest and highest prices at just 6p (138.9p v 144.9p).

At the end of March Sainsbury’s sold the cheapest unleaded at 136.9p at two sites – one in Wolverhampton and one at Dungannon in Northern Ireland. Tesco, however, was charging its lowest price – 138.9p – at 30 separate forecourts. Asda, on the other hand, was only charging its lowest petrol price of 139.7p at nine of its 658 forecourts.

Sainsbury’s and Tesco were tied for the lowest average diesel price across their portfolios at 151.7p and 151.8p. Asda’s gap between its cheapest and most expensive diesel was 35.2p (147.7p at Torquay and two in Northern Ireland v 182.9p at the Shell-branded site it runs near junction 29 of the M1).

Tesco had the smallest gap of just 6p between diesel at its forecourts (148.9p v 154.9p) while Morrisons was also under 10p (145.7p v 154.9p) Sainsbury’s had the cheapest diesel at 142.9p, but this was only available at Andersonstown, near Belfast, in Northern Ireland. Tesco’s lowest price of 148.9p was, however, on offer at 45 of its forecourts.

BP and Shell-operated forecourts also have very large differences between their cheapest and highest fuel prices. For unleaded BP has a gap of 27p (142.9p v 169.9p) and Shell 26p (143.9p v 169.9p) across their 287 and 536 forecourts. For diesel, it is 30p for BP (149.9p v 179.9p) and 26p for Shell (153.9p v 179.9p).

“The rising cost of oil, combined with the pound still only being worth a meagre $1.3, has led to another month of misery at the pumps with the price of petrol going up 2p a litre. Sadly, this means the average price of petrol has gone up nearly 6p so far this year,” says RAC fuel spokesman Simon Williams.

“The data also reveals that Asda, Sainsbury’s and Morrisons only offer their cheapest prices at one or two stores whereas Tesco offers it at around 30 forecourts, albeit at a slightly higher cost. Its customers also have the comfort of knowing that there’s only 6p difference between its lowest and highest prices.

“Sadly, Asda appears not to be the force it once was in fuel retailing. Gone are the days when it used to announce big headline-grabbing pump price cuts when wholesale prices fell, along with a promise at the time that drivers would never pay more than a certain low price at any of its forecourts.

“On a more positive note, it’s good to see the average retailer margin on petrol come down from 10.5p a litre at the start of March to under 8p. While the cause is most likely to be the increase in the wholesale price of petrol, it could also be due to the CMA again raising concerns about higher retailer margins very publicly just last week.”

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