Blog

  • Covid19 Business Support

    Covid19 Business Support


    With this lockdown in Auckland seeming to go on forever, it’s a good time to refresh evryone on what support is available and what changes have been made to the support.

    If your business has reduced revenue

    COVID-19 Wage Subsidy Scheme
    The Wage Subsidy Scheme will be available to all businesses while any part of the country is in Alert Levels 3 or 4. For example, while Auckland is in Alert Levels 3 or 4, businesses in Auckland and other parts of the country can apply for the COVID-19 Wage Subsidy Scheme.
    You can apply for the COVID-19 Wage Subsidy Scheme to help keep paying your staff and protect jobs.
    Businesses must meet the eligibility criteria to apply.
    Businesses and self-employed people must expect a 40% drop in revenue to be eligible to receive the wage subsidy.
    The wage subsidy is paid in a 2 week lump sum. You can get:

    $600 per week for each full-time employee

    $359 per week for each part-time employee

    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.
    If you applied for a Wage Subsidy, you will need to wait 2 weeks after your application before you can apply for the next Wage Subsidy, even if you haven’t received a payment yet.
    To apply for the wage subsidy go to the work and income website.

    COVID-19 Resurgence Support Payment
    The COVID-19 Resurgence Support Payment helps to cover wages and fixed costs for businesses who have been directly affected when there is an increase to Alert Level 2 or higher for a week or more.
    To be eligible, your business must have experienced at least a 30% drop in revenue or a 30% decline in capital-raising ability over a 7-day period, due to an increase in Alert Levels.

    You can receive $1,500 per business plus $400 per full-time employee (FTE), up to 50 FTE.

    The maximum payment is $21,500.

    If you’re a sole trader, you can receive a payment of up to $1,900.

    Businesses anywhere in New Zealand can apply if they meet the eligibility criteria.
    You can apply for both the COVID-19 Resurgence Support Payment and the COVID-19 Wage Subsidy Scheme if you meet all the eligible criteria.
    You can receive all three payments if you are eligible for them.

    Increase to Resurgence Support Payment

    The Government has announced an increase to the Resurgence Support Payment as we transition to the new COVID-19 Protection Framework.

    From 12 November 2021, the Resurgence Support Payment will be paid fortnightly.

    • Businesses can receive $3000 per business plus $800 per full-time employee (FTE), up to 50 FTE.

    • The maximum fortnightly payment is $43,000.

    • If you are self employed, or a sole trader you can receive a payment of $3,800.

    The eligibility criteria remains the same.

    The Resurgence Support Payment will continue to be available to businesses anywhere in New Zealand until Auckland moves to the new COVID-19 Protection Framework.

    Small Business Cashflow Loan Scheme
    If you employ 50 or fewer staff, you may be able to apply for the Small Business Cashflow Loan Scheme. This is a one-off 5 year loan. You can borrow a maximum of $10,000 plus $1,800 per full-time-equivalent employee within your business.

    When applying for the loan, you need to be able to declare that your business is viable.

    Your business must have experienced a minimum 30% decline in actual or predicted revenue over the period of a month, compared with the same month last year.

    Applications are open until 31 December 2023 through myIR. If your business does not have a myIR account, you will need to create one to apply.

    Loans will be interest free if they are paid back within 2 years. The interest rate is 3% for a maximum term of 5 years.


    Help with your tax
    If you are finding it hard to meet your tax obligations due to COVID-19, Inland Revenue may be able to help.


    If an employee needs to self-isolate
    If an employee has been asked to self-isolate by a doctor or health official, they legally must stay home until they are told they no longer need to by public health officials.
    If an employee cannot work from home while self-isolating, you may be able to apply for financial support so they can continue to get paid.
    COVID-19 Leave Support Scheme
    If your employees have been asked to self-isolate and they cannot work from home, you can apply for the COVID-19 Leave Support Scheme for them. Employees on a casual contract are also eligible for the payment.
    You can also use the payment to help pay employees who:

    • are sick with COVID-19 and need to isolate until a doctor tells them they no longer need to

    • have been in close contact with someone who has COVID-19

    • are at a higher risk of getting sick from COVID-19

    • live with someone who is at high risk of getting sick from COVID-19, and a doctor or health professional has told people in the household to isolate to reduce the risk of transmitting COVID-19 to vulnerable household members

    • have been asked to self-isolate by public health officials

    • need to stay home and look after a dependent child who needs support to self-isolate.

    The Leave Support Scheme is paid as a 2 week lump sum at the rate of:

    $600 a week for full-time employees

    $359 a week for part-time employees

    Employers and employees need to meet certain criteria to apply for the Leave Support Scheme.
    This payment is available anytime, and is not restricted to a change in Alert Levels.
    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.

    If an employee is waiting for the result of a COVID-19 test
    If an employee has been asked to get a COVID-19 test, they must stay home until they get a negative result.
    If an employee cannot work from home, you may be able to apply for financial support so they can continue to get paid.
    COVID-19 Short-Term Absence Payment
    The COVID-19 Short-Term Absence Payment helps businesses keep paying employees who cannot work from home and:

    • need to stay at home while waiting for a COVID-19 test result

    • need to stay home and look after a dependent child who has been asked to get a COVID-19 test, or

    • live with someone who has been at a location of interest and need to stay home while they wait for the person in the household to get a negative test result.

    Employees on a casual contract are also eligible for the payment.
    You can get a one-off amount of $359 for each eligible worker while they are staying home waiting for test results. The amount is the same for both full-time and part-time employees.
    You can apply for the Short-term Absence Payment any time, not just when there is a risk of community transmission, or change in Alert Levels.
    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.

    Additional support for businesses in Auckland
    As Auckland transitions to the new COVID-19 Protection Framework, businesses will be able to apply for up to $3000 worth of advice and planning support, and then receive up to $4,000 to implement that advice through the established Regional Business Partners programme.
    There will also be funding available for businesses to apply for mental health support for their employees.

  • Empowering Cleaner Air and Community Resilience Through Data

    Empowering Cleaner Air and Community Resilience Through Data


    The Social Impact Partner Spotlight series highlights various nonprofit organization partners that are leveraging technology to help transform the lives of individuals and communities. This blog features Splunk’s partnership with OpenAQ, Radiant Earth, and WattTime, demonstrating their efforts to enhance data access and digital tools that support informed decision-making for a healthier planet.

    Data, artificial intelligence (AI), and digital tools can help uncover solutions to complex environmental challenges that can be implemented at scale for maximum impact. However, while much of the data exists, the datasets are enormous. That means that too often, nonprofits, governments, and other organizations aren’t able to access the data in a searchable and usable way.

    In October 2024, Splunk was pleased to provide strategic grants to three nonprofits that are working to advance solutions for a sustainable planet: OpenAQ, Radiant Earth, and WattTime. While each has a distinctive history and approach, they share a commitment to increasing data access and providing digital tools to support better decision-making that will have a positive and lasting impact on our world.

    Empowering a global community to improve air quality

    Picture of OpenAQ map with air sensor monitoring
    OpenAQ map with air sensor monitoring.

    OpenAQ is an environmental tech nonprofit focused on increasing access to air quality data to help communities take action to pursue clean air initiatives. Its story started ten years ago when founder Christa Hasenkopf was a State Department scientist working to compile data on air quality at embassies. She quickly learned that data was either nonexistent or not openly available, and when existent, it was challenging to access and not standardized. Christa and her spouse, Joe Flasher, who worked at an engineering company that applies energy and environmental data to global challenges, knew open data was crucial in educating people on the severity of air pollution. They envisioned a universally accessible, open-source database of air quality data, and when they couldn’t find one, they set out to build one.

    Today, Open AQ’s open-source, open-access data platform is the largest such platform in the world. It aggregates real-time air quality measurements from thousands of monitoring stations worldwide, harmonizing the data for consistency, focusing on core air pollutants like PM2.5, PM10, NO2, SO2, CO and ozone. That data empowers communities to analyze and forecast air quality, raise awareness among the public, and develop solutions to combat air pollution. Users include scientists, journalists, government agencies, entrepreneurs and NGOs, united by a common goal: supporting a world where everyone breathes healthy air.

    Making environmental data readily available to more people

    Founded in 2016, Radiant Earth enables data-driven decision making to address challenges related to sustainability and conservation. By providing a platform and resources for accessing and utilizing satellite imagery and geospatial data, Radiant Earth is making environmental data more accessible to help governments, research institutions, and civil society organizations address complex global challenges.

    One example of this is their work organizing the Cloud-Native Geospatial Forum, which brings geospatial data users together from across government, industry, and academia to develop open and more accessible methods for working with Earth science data over the Internet – including satellite imagery, weather data, and climate models – which can provide vital insights for applications like crop mapping, forest monitoring, and urban planning. This approach is designed specifically to empower researchers in developing countries to access and analyze data that was previously only accessible to research institutions with powerful compute infrastructure.

    Creating tools that boost energy efficiency and reduce emissions

    Map image of WattTime's emissionality in Eastern Europe.
    WattTime’s emissionality in Eastern Europe.

    What if three simple fixes could save 9+ gigatons of greenhouse gas (GHG) emissions annually: changing when we use energy, where we build new clean energy sources and which suppliers we procure from? WattTime is developing innovative data-driven solutions that allow individuals, companies, and governments to make informed energy choices, enhancing energy efficiency and reducing emissions.

    WattTime uses real-time electricity grid data to determine the emissions impact of using electricity at any given moment. Founded by UC Berkeley researchers, its tools pinpoint the emissions from generators operating to meet electricity demand, combining this information with forecasting techniques to predict when energy has the lowest GHG emissions. It transforms that data into actionable signals that can automatically adjust the timing of energy use, shared with partners through an API.

    Those signals can be used to optimize smart devices like electric vehicles, thermostats and water heaters to use electricity at lower-emission times, with slight timing shifts adding up to significant reductions in emissions. Similarly, it can help assess where building new clean energy sources could have the greatest impact on reducing power grid emissions. That helps increase the adoption of clean energy sources, benefiting both people and our planet.

    To learn more about how organizations are harnessing the power of technology to drive climate solutions, visit Cisco’s Climate Grants and Investments page.

    Share:

  • Keeping a Pulse on Agency Performance with EZLynx Reporting and Analytics

    Keeping a Pulse on Agency Performance with EZLynx Reporting and Analytics


    This post is part of a series sponsored by EZLynx.

    Performance data is one of the most powerful tools an independent agency can use to stay competitive—but only when it’s timely and easy to understand. Outdated spreadsheets, static end-of-month reports, or having to chase down emails and colleagues just to get the stats you need won’t cut it anymore.

    With EZLynx’s reporting and analytics capabilities, everything you need to understand and improve your agency can be accessed directly within the management system.

    When You Know More, You Can Do More

    The EZLynx Agency Pulse Report provides you with a clear, real-time overview of your agency’s overall health—straight to your inbox every month. From sales pipelines and revenue to customer counts, accounting data, staff performance, personal vs. commercial lines breakdowns, and total written policies and premiums, all your key metrics are centralized and easy to review.

    The numbers speak for themselves: data-driven organizations are 58% more likely to beat their revenue goals and are 162% more likely to significantly surpass revenue goals than firms relying on outdated methods. If you want to grow your agency, you need real-time visibility into your business—right down to the details.

    Trenton DeVito, Licensed Insurance Broker and Owner of MyInsuranceGuy
    Trenton DeVito, Licensed Insurance Broker and Agency Owner, MyInsuranceGuy

    For Trenton DeVito, Licensed Insurance Broker and Owner of MyInsuranceGuy, the updates and automated insights from the Pulse Report have empowered his agency to make smarter, data-driven decisions. With clearer visibility into performance, DeVito and his team no longer have to rely on guesswork or intuition.

    “The Pulse report has been a critical piece to our agency’s growth. Before it, we had virtually no metrics to base any decision making off of. It’s essentially playing darts blindfolded. Now, we can make informed decisions with information I didn’t even think would be useful. It tracks almost everything.”

    Pulse Reports don’t just support better day-to-day decision-making—they also help you plan for the long term. Because they’re so comprehensive and visually easy to understand, Pulse Reports can help you confidently set targeted goals and develop strategies to drive growth and improve your agency’s performance over time.

    “We have been implementing pulse reports into our decision making — into budgeting and planning. We’ve got a five-year plan that we could barely plan two years in advance before this feature,” said DeVito. “It has been incredibly influential.”

    Turn Insights into Advantage

    You work hard every day to deliver for your clients and stay at the top of your game—so wouldn’t it be helpful to know how your agency truly stacks up against others like yours? EZLynx Pulse Reports’ Peer Benchmarking feature makes that possible by offering a clear view of how your agency compares to similar-sized peers, providing valuable insight into your position in the market.

    These insights enable you to focus on areas in your agency that need improvement while doubling down on areas where you excel, helping you sharpen your competitive advantage.

    “We had nothing like the Peer Benchmarks before,” DeVito added. “We would try and Google to see if we could find metrics on how we were performing comparatively, and we would never find anything. But now with EZLynx, we’ve got the aggregated data.”

    EZLynx reports can also be customized to your needs. Want to stay informed at a glance? EZLynx Summary Reports offer quick, out-of-the-box, dashboard-style visualizations that give you easy access to key metrics and a high-level snapshot of your agency.

    If you need more detail, EZLynx Master Reports let you sort and filter across performance indicators like lines of business and carriers by premium, transactions per month or policies per customer. Filters can be as complex as you need, allowing you to apply sophisticated formulas and aggregates to create reports tailored to you.

    Empowering Your Agency’s Future

    Understanding and accessing your agency’s metrics shouldn’t hold you back from growth. With EZLynx delivering performance insights directly within your EZLynx agency management system, you can skip the busywork of data wrangling and focus on what really matters—serving clients, strengthening relationships, and scaling your agency.

    The most important insurance news,in your inbox every business day.

    Get the insurance industry’s trusted newsletter

  • 7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement

    7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement


    7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement
    Image source: Pexels

    Every parent wants to see their kids succeed in life, and for many, that means offering financial support along the way. From college tuition to wedding expenses to helping with a down payment on a first home, it’s easy to open your wallet in the name of love. But while generosity is a beautiful quality, it can also come with a hidden cost: your own financial security.

    Many retirees find themselves struggling to make ends meet because they gave too much to their children during their working years. Here are seven shocking ways helping your kids can leave you broke in retirement — and how to avoid falling into the same trap.

    1. Paying for College Without a Plan

    Covering college tuition and expenses is one of the biggest ways parents support their kids, but it’s also one of the easiest ways to derail retirement savings. With the cost of higher education soaring, parents often find themselves dipping into 401(k)s, IRAs, or even home equity to pay for tuition. Unfortunately, these withdrawals can create significant tax burdens, penalty fees, and a loss of future growth on investments meant to support your retirement.

    Worse still, once that money is gone, it’s gone, unlike student loans that can be refinanced or deferred. Helping your child is admirable, but doing so without a clear plan can jeopardize your own financial well-being.

    2. Co-Signing Loans That Come Back to Haunt You

    Co-signing a student loan, car loan, or mortgage for your child might seem like a quick way to help them build credit or afford that first home. But if your child struggles to make payments, the responsibility falls squarely on you. Missed payments can tank your credit score and leave you on the hook for the entire debt, often at the worst possible time…like right before retirement.

    Some parents end up paying off loans they never expected to cover, draining savings they’d counted on to support their golden years. Think twice before putting your name on the dotted line. It might come back to haunt you.

    3. Funding Lavish Weddings or Dream Homes

    It’s natural to want to help your children celebrate milestones like weddings or buying their first house. However, lavish spending on these occasions can quickly eat away at your retirement savings. Parents sometimes take out personal loans or raid their retirement accounts to fund big weddings or generous down payments, believing they’ll “catch up later.”

    The reality? Most don’t. Once those funds are spent, they can’t be replaced, and the financial hit can be devastating. It’s okay to contribute to life’s big moments, but setting a clear budget that doesn’t compromise your own future is crucial.

    4. Providing Ongoing Financial Support

    Sometimes, adult children rely on their parents for ongoing help with rent, car payments, groceries, or other everyday expenses. While it might seem like a small monthly contribution, these payments can quietly drain your retirement funds over time. What starts as a temporary bridge during tough times can turn into a long-term financial lifeline that parents can’t easily turn off.

    Many retirees are shocked to find themselves supporting their kids well into their own 60s or 70s, long after they planned to enjoy financial freedom. Before offering continuous help, consider whether it’s enabling dependence or hindering your own ability to retire comfortably.

    elderly couple sitting on the couch
    Image source: Pexels

    5. Sacrificing Your Own Emergency Fund

    Parents often feel compelled to help their children during financial crises, even if it means sacrificing their own emergency savings. Whether it’s covering a medical bill, car repair, or sudden job loss, raiding your nest egg might seem like the right thing to do. But once that cushion is gone, you’re left vulnerable to unexpected expenses in your own life, like health issues or home repairs.

    Financial experts recommend prioritizing your own emergency fund before extending help to others. Otherwise, you could find yourself in a financial bind at a time when earning more income is no longer an option.

    6. Moving in Together Without Boundaries

    Inviting your adult child (and sometimes their family) to move in can sound like a win-win: they save on rent, and you enjoy the company. But without clear boundaries, shared living arrangements can drain your finances faster than you think. Utility bills, groceries, home maintenance, and even additional wear and tear on the house all add up, often without formal rent contributions or shared responsibilities.

    Parents who foot the entire bill may find themselves spending hundreds or even thousands each month supporting adult children at home, all while their own retirement plans suffer. Establishing ground rules and financial expectations is key to making multi-generational living work.

    7. Letting Guilt Guide Your Decisions

    One of the most subtle yet powerful ways parents end up broke in retirement is by letting guilt guide their financial choices. It’s easy to feel obligated to help your kids succeed, especially if they’re struggling. But giving in to guilt often means ignoring your own needs, risking your security for the sake of keeping the peace.

    The truth is that financial independence is just as important for parents as it is for kids. Learning to say “no” when necessary and focusing on long-term stability ensures you can continue to support your children emotionally without sacrificing your own well-being.

    You Need to Set Boundaries

    Supporting your children financially is a loving gesture, but it shouldn’t come at the cost of your own retirement security. By setting boundaries, making informed choices, and prioritizing your own needs, you can strike a balance between helping your kids and protecting your financial future.

    Have you ever found yourself giving too much? Or perhaps you’ve learned a valuable lesson about saying no?

    Read More:

    7 Financial Moves That Made Retirement Way Harder Than Expected

    6 Reasons Why More Retirees Continue Working Than Ever Before

  • Best Hydrating Foods for Summer

    Best Hydrating Foods for Summer


    Staying hydrated in the summer heat can be challenging, but it’s also important. After all, roughly 50% to 60% of your body weight is water, and losing too much of it can lead to fatigue, dizziness, and other dehydration symptoms. We often focus on what to drink to stay hydrated (with plain water being the obvious choice), but how to stay hydrated isn’t just about beverages. What you eat can significantly boost your hydration too. In fact, an estimated 20% or more of our daily water intake comes from food. This means that incorporating hydrating foods into your summer diet can help you meet your fluid needs while also providing vitamins and electrolytes. 

    Kellie Lunday, MS, RD, LD, and AFPA’s Nutrition Content Lead, shares: “If I’m slacking on my water intake during the summer, I know that my summer produce has my back! It’s the perfect time of year to focus on my vegetable and fruit intake, with the added benefit of hydration.” 

    In this article, we’ll explore some of the most hydrating foods to enjoy during summer, explain how these foods with high water content support your body’s fluid balance, and offer tips on including hydrating fruits and vegetables in meals. From juicy watermelon (ever wonder how much water is in watermelon?) to crisp cucumber (spoiler: it’s almost all water), these foods can make staying hydrated easy and delicious. Let’s dive into how to get hydrated and stay that way using nature’s own refreshing ingredients. 

    Hydration Is More Than What You Drink 

    When the sun is blazing, it’s easy to gulp down a cold glass of water. Yet many people struggle to drink enough fluids throughout the day. Maybe you forget to sip regularly or don’t feel thirsty until you’re already somewhat dehydrated. The good news is that you can make up some of the difference with food. Eating water-rich foods essentially lets you “drink” through your meals. This is a handy strategy, especially for those who find it challenging to drink enough water each day. 

    Our bodies constantly lose water through sweat (especially on humid summer days), as well as through breathing and urine. If you’re not replenishing those losses, you risk dehydration. And dehydration isn’t just a minor inconvenience—it can sap your energy and even impair mood and focus. While what to drink to stay hydrated should still be a priority (plain water, herbal iced teas, and other low-sugar beverages are great choices), remember that foods that hydrate you can contribute substantially to your daily needs. In fact, a balanced diet can provide up to about two cups of water per day just from food. Eating the recommended daily servings of fruits and vegetables (for example, two servings of fruit and three of vegetables) might give you roughly 15 ounces of water – that’s nearly a pint of fluid just from produce! 

    Hydrating foods are particularly helpful if you’re active or spend a lot of time outside in summer. They not only supply water but also often come with fiber, electrolytes, and antioxidants. This combination helps your body absorb and use the water effectively. In other words, munching on foods that help with hydration can actually be more efficient at rehydrating the body than water alone in some cases. Next time you’re thinking about how to increase hydration on a sweltering day, don’t just reach for your water bottle – head to the fridge as well. 

    Aspiring personal trainers: learn all about nutrition for fitness performance in AFPA’s Personal Trainer Certification.

    Juicy and Refreshing: Hydrating Fruits 

    When it comes to fruit for hydration, nature has a knack for packing water into sweet, portable packages. The hydrating fruits of summer are not only delicious but also loaded with water. A standout example is watermelon. 

    As its name suggests, watermelon is mostly water – about 92% water, to be exact. If you’re wondering how much water is in watermelon, imagine each bite as almost all water with a bit of nutrients. No wonder eating watermelon on a hot day feels so satisfying. It’s like drinking water, but with the bonus of flavor, vitamins A and C, and the antioxidant lycopene. So is watermelon good for dehydration? Absolutely. Watermelon is one of the best foods for hydration you can find, since it helps quench thirst and replenishes you with minerals (like potassium) at the same time.  

    “Slice it up for a snack, blend it into a smoothie, or toss it with some mint and feta for a hydrating summer salad. With watermelon on the menu, how to stay hydrated becomes a far more enjoyable endeavor,” says Kellie Lunday, MS, RD, LD. 

    Watermelon isn’t the only fruit that can help you beat the heat. In fact, many common fruits are made up of 80-90% water or more. Strawberries, for example, are about 91% water, and they offer a burst of vitamin C. Cantaloupe and honeydew melons rival watermelon with around 90% water content as well. Oranges and grapefruit, those juicy citrus fruits, are around 86-88% water – and as a bonus, they provide electrolytes like potassium. Peaches, pineapples, and apricots are other fruits good for hydration, each brimming with watery juice. Grapes are about 81% water. 

    In general, if a fruit is plump, juicy, or easily yields liquid when you bite into it, it’s likely a watery fruit that can help keep you hydrated. These fruits not only deliver water to your system but also supply natural sugars to give you quick energy and fibers that help you feel satisfied. 

    One perk of choosing hydrating fruits is that they often appeal to the appetite even when the heat might dull your desire for heavier foods. A cold slice of melon or a bowl of berries can be more enticing than a rich meal when the temperature soars. To maximize hydration from fruits, enjoy them raw and fresh – think fruit salads, smoothies, or just whole fruits eaten as snacks. 

    Freeze grapes or blend watermelon into a slushy for a cooling treat. By making fruit a part of every summer meal, you’ll naturally increase your fluid intake. The sugar in whole fruit comes with fiber and water, meaning it’s generally digested more slowly and hydrates you without the more extreme blood sugar spike you’d get from a sugary drink. But every body is different, and you should consult with a doctor who knows your unique health needs, particularly if you have metabolic concerns. 

    Passionate about nutrition and want to take a deeper dive? Learn all about hydration and nutrition in AFPA’s Master Level Nutrition Consultant Certification.

    Crisp and Cool: Water-Rich Vegetables 

    Vegetables can be just as impressive as fruits in the hydration department – in some cases, even more so. The vegetables for dehydration relief are typically the crisp, watery ones you might find in a summer salad or crudité platter. 

    Take the cucumber, for instance. Ever wondered what percentage of cucumber is water? It’s about 95% water (some sources say as high as 96%!). That makes cucumber one of the most hydrating foods on the planet. Crunching on a cool cucumber stick is almost like sipping water, and it comes with a pleasant crunch to boot. 

    Cucumbers are so water-based that they’ve earned the nickname “water vegetables.” Besides water, they also provide a little vitamin K and potassium, especially in the skin. Try adding cucumber slices to your drinking water for flavor, layering them in sandwiches, or mixing diced cucumber into yogurt with mint for a refreshing raita. It’s a perfect way to increase hydration while enjoying a tasty snack. 

    Lettuce is another unsung hero among foods with high water content. Iceberg lettuce, often maligned for being less nutrient-dense than darker greens, is actually over 95% water – basically a crunchy vehicle for hydration. Romaine lettuce isn’t far behind, at about 95% water as well. 

    So yes, that big summer salad full of lettuce, cucumber, and tomato is doing double duty: feeding you and hydrating you at the same time. Speaking of tomatoes, they clock in around 94% water. Bite into a ripe tomato and you can practically feel the juice hydrating your mouth. Cherry tomatoes make an easy hydrating snack on the go, and slices of tomato on your sandwich add moisture (and vitamin C). 

    Other water-based vegetables to put on your grocery list include celery (about 95% water), zucchini (around 94% water), radishes (95%), green bell peppers (94%), and even cauliflower and cabbage (both around 92% water). 

    These percentages aren’t just trivia – they explain why these veggies feel so light and crisp. For example, celery sticks or bell pepper strips on a hot day can be as thirst-quenching as a handful of grapes. They’re essentially solid water with bonus nutrients like folate and antioxidants. In fact, foods that hydrate you such as cucumber, lettuce, celery, and others are often referred to in nutrition guides as the “superstars” of water-rich foods. 

    To incorporate more of these hydrating vegetables into your summer diet, get creative with meal prep. Start lunch or dinner with a salad loaded with high-water-content veggies (cucumbers, lettuce, tomatoes, radishes, etc.). Swap out common sides for water-rich veggies – for example, serve dip with carrot and cucumber sticks instead of crackers. 

    Chilled soups like gazpacho or cucumber-yogurt soup are basically blended vegetables that you can sip, delivering hydration in a flavorful form. Even steaming or lightly sautéing vegetables retains much of their water (though you’ll lose a bit to cooking). The key is to have plenty of these water vegetables on hand, pre-washed and cut in your fridge, so they’re just as easy to grab as a bottled drink. By making veggies readily available, you might naturally eat more of them throughout the day, effortlessly boosting your hydration. 

    Master Level Nutrition Consultant Program Guide Cover

    Become an Expert Nutrition Coach at Your Own Pace

    Download your free guide now.

    Beyond Produce: Other Hydrating Foods and Drinks 

    Fruits and veggies steal the spotlight when we talk about hydrating foods, but they’re not the only options. Many other everyday foods have a high water content and can contribute to your fluid intake. For example, yogurt and cottage cheese are about 80-85% water, so a serving of yogurt at breakfast not only gives you protein and calcium but also a decent amount of water. 

    On a hot morning, a bowl of plain Greek yogurt topped with juicy berries (think hydrating fruits like strawberries or peaches) makes for a hydrating, nutritious start to the day. Smoothies are another fantastic way to drink your food – blend water-rich fruits (berries, melon, mango) with some yogurt or milk and ice, and you’ve got a hydrating snack or meal in a glass. Even milk itself is about 90% water and contains electrolytes, which is why research has found it can be as effective as sports drinks for rehydration in some cases. If dairy isn’t your thing, plant-based milks like almond or oat milk also contribute fluid. 

    Don’t underestimate the hydration power of soups and broths. A steaming bowl of soup might not be your first craving in summer, but you can opt for chilled versions like gazpacho or fruit soups. And even warm chicken broth can hit the spot. One of the traditional benefits of drinking chicken broth when you’re dehydrated (such as during illness or after intense sweating) is that it provides not only fluid but also sodium and other electrolytes. Those electrolytes help your body retain the water you drink and can alleviate symptoms of dehydration like headache or muscle cramps. 

    Sipping broth or eating soup replenishes salt losses and helps you get hydrated more effectively than water alone in certain situations. Just be mindful of soup’s temperature; if it’s very hot outside, a lukewarm broth or cooled soup may go down easier than a piping hot one. 

    Speaking of what to drink to stay hydrated, remember that plain water isn’t the only choice. Unsweetened herbal teas, iced or hot, are another great option. Coconut water (the liquid from inside young coconuts) has become a popular natural rehydration drink because it contains potassium and magnesium – it’s a refreshing option to rotate into your fluid plan. Even moderate amounts of coffee or tea contribute to hydration; contrary to myth, caffeinated drinks are not dehydrating when consumed in normal amounts. 

    In short, how to stay hydrated in summer comes down to a mix of smart drinking and smart eating. Make water your go-to beverage throughout the day, but bolster its effects with a diet rich in foods that help with hydration. By doing so, you’ll supply your body with water steadily and avoid dehydration symptoms. Plus, you get the other benefits of those foods – nutrients, fiber, and flavor – all of which support overall health. 

    Tips for Incorporating Hydrating Foods into Your Summer Diet 

    Knowing which foods and drinks can keep you hydrated is one thing; actually fitting them into your daily routine is another. The good news is it can be both simple and delicious. Here are some practical, how to stay hydrated tips using food: 

    • Start early: Begin your day with hydration in mind. Drink a glass of water upon waking, but also include a water-rich food at breakfast. For instance, have a bowl of oatmeal cooked with milk and top it with hydrating fruits like sliced peaches or berries. Or make a morning smoothie with spinach (yes, leafy greens contain water too), frozen fruit, and yogurt. This way, you front-load fluids and nutrients to start the day. 
    • Snack smart: Swap dry, salty snacks for fresh produce. Keep a container of cut-up watery fruits (watermelon cubes, pineapple chunks, orange slices) in the fridge for easy access. Baby carrots, cherry tomatoes, and cucumber sticks paired with hummus or a light dip are far more hydrating than crackers or chips. They’ll satisfy your crunch craving and supply water. If you feel like something sweet, frozen fruit pops (made 100% from fruit puree) or even just a cold apple can refresh you. 
    • Salad and soup fixes: Make it a goal to eat a salad or a vegetable-rich dish at least once a day. Remember those water-based vegetables – lettuce, cucumber, tomato, etc. – and load them up. Add juicy fruits to salads too; strawberries or citrus segments can turn a boring salad into a hydrating summer delight. When you need something more substantial, consider a broth-based soup with vegetables. Even in summer, a light vegetable soup or a chilled gazpacho can be a hydrating meal or starter. And if you’re feeling adventurous, try cold soups made from blended melon or cucumber; it might surprise you how well they cool you down. 
    • Hydrate when active: If you’re exercising or doing outdoor activities, plan for both food and drink. For example, after a sweaty tennis match or a long hike, munch on a piece of watermelon or a handful of grapes along with drinking water. The natural sugars in fruit can help speed up water absorption in your body, and the act of eating may encourage you to also drink more. Some athletes even swear by snacks like oranges or bananas during workouts for the hydration boost. Find what works for you – it could be as simple as packing an apple or some baby carrots in your bag when you know you’ll be out for a while. These foods that hydrate you can be real lifesavers on a hot day. 
    • Make it fun and flavorful: One reason people don’t drink enough water is that they find it boring. Hydrating foods can help by adding flavor and variety. But you can also jazz up your fluids with foods: try infusing your water pitcher with cucumber slices, lemon, and a sprig of mint, or drop in some berries for natural flavor. You might be surprised how much more you sip. Likewise, consider enjoying sparkling water with a splash of fruit juice, popsicles made from diluted juice, or hydrating food-packed smoothies.  

    “With so many versatile produce options this time of year, I make sure to bring a hydrating dish to any summertime festivity. We can all enjoy the celebration with a bit of extra hydration in our foods or drinks,” says Lunday. The takeaway is that increasing hydration doesn’t have to be a chore. By pairing water with tasty foods and making those foods readily available, you set yourself up for success. 

    Stay Cool and Hydrated with Food and Drink 

    Summer is a time to enjoy the outdoors, soak up the sun, and have fun – but it’s also a season when dehydration can sneak up on us if we’re not careful. Fortunately, staying hydrated can be a delicious endeavor. By embracing the most hydrating foods – from hydrating fruits like watermelon, oranges, and berries to water-rich vegetables like cucumber, lettuce, and zucchini – you give your body a steady supply of water throughout the day. These foods help you stay hydrated not just with fluid, but with nutrients that support your energy and health. 

    So, the next time you’re planning a menu or packing a snack for a day in the sun, think about how you can include some foods that help with hydration. Your body will thank you for it. Remember to drink water regularly, but also take advantage of summer’s bounty of hydrating produce. With the right balance of hydrating foods and fluids, you’ll stay refreshed, energized, and ready to make the most of the summer season. 

    Kellie Lunday

    Reviewed by

    Kellie Lunday, MS, RD, LD 

    Kellie Lunday is AFPA’s nutrition content lead and a registered dietitian with nearly a decade of experience in corporate wellness, health education, and performance optimization. She received her MS in Nutrition from Texas Woman’s University and completed her dietetic internship at The University of Texas in Austin. Previously, she has worked in various roles at Exos and the University of Texas at Austin. She is passionate about travel, global cuisines, fitness, and advancing consumer health through evidence-based education. 

    Master Level Nutrition Consultant Program Guide Cover

    Become an Expert Nutrition Coach at Your Own Pace

    Download your free guide now.

  • Seven tools for leaders navigating change.

    Seven tools for leaders navigating change.


    I was asked in a panel last night, ‘How are leaders navigating change?’. The answer for many may seem overwhelming.

    It has been a while since I posted and, in that time, there has been much change. But somethings do remain constant. You cannot grow an enterprise or be an influential leader without continually reviewing the tools and strategies that you apply. There is much written about leadership (and I read a lot) but from all of that I wanted to distill some key ideas.

    Here is a list of tools to help leaders navigate the complexities of what business we are currently facing. The good news from last night’s panel was that the economist said in Australia we might have a ‘softening’ of the economy, rather than a recession. But this does not mean that business will be easy in coming months and years. The world has changed and as leaders we need to too.

    Let’s take a closer look at some of the latest leadership tools that are changing the game.

    1. Emotional Intelligence (EI)

    Emotional Intelligence refers to the ability to recognize, understand, and manage one’s own emotions and the emotions of others. This is a critical component of effective leadership, as leaders who can read their team’s moods, respond to their needs, and handle conflicts are better equipped to create a positive and productive work environment. There are several EI tools available, including assessments, workshops, and coaching programs, that help leaders improve their EI skills and build stronger relationships with their teams.

    1. Mindfulness Meditation

    Mindfulness meditation has been gaining popularity in recent years, and for good reason. Research has shown that mindfulness can help leaders reduce stress, increase focus, and make better decisions. The practice involves paying attention to the present moment and developing a non-judgmental attitude towards one’s thoughts and emotions. By developing a mindfulness practice, leaders can cultivate a sense of inner calm and clarity that allows them to approach challenges with a more balanced perspective.

    1. Design Thinking

    Design thinking is a problem-solving approach that has become increasingly popular in recent years, particularly in the tech and start-up communities. The idea is to put the customer or user at the centre of the problem-solving process, and to use empathy, experimentation, and iteration to come up with innovative solutions. Leaders who use design thinking can tap into the creativity and diverse perspectives of their teams and create products and services that meet the needs of customers in new and exciting ways.

    1. Agile Methodologies

    Agile methodologies have become popular in recent years as organizations strive to become more flexible and responsive to change. The Agile approach is characterized by iterative development, regular check-ins, and close collaboration between team members. Leaders who adopt an Agile mindset can create a more adaptive, flexible, and dynamic work environment, where teams are empowered to take risks, experiment, and continuously improve their processes.

    1. Growth Mindset

    Growth mindset refers to the belief that intelligence and abilities can be developed through effort and learning. This perspective is a powerful tool for leaders, as it helps them cultivate a culture of continuous improvement and growth. By encouraging their teams to adopt a growth mindset, leaders can foster a sense of resilience and persistence, and create a work environment where everyone is encouraged to take on new challenges and strive for personal and professional growth.

    1. Empathy Mapping

    Empathy mapping is a tool used to understand the emotions, motivations, and needs of a target audience. By creating an empathy map, leaders can gain insights into the experiences and perspectives of their customers, employees, or stakeholders, and design solutions that meet their needs more effectively. Empathy mapping is an important tool for leaders who want to build stronger relationships and create more meaningful connections with their teams.

    1. Gamification

    Gamification is the use of game elements and mechanics to engage and motivate people to achieve their goals. This can be a powerful tool for leaders, as it allows them to turn complex and mundane tasks into engaging and fun challenges. By gamifying their work, leaders can create a more positive and energized work environment, and encourage their teams to develop new skills, take on new challenges, and continuously improve.

    Whether these are just food for thought, or something you will seek more information on. The reality is for leaders navigating change that ‘what got us here is not going to get us there’. If the world has changes then so must we.



    Also published on Medium.

  • After the LA fires, a camp helped kids find normalcy : NPR

    After the LA fires, a camp helped kids find normalcy : NPR


    Emory Stumme takes a moment to reflect on a tree swing outside of her new home in La Crescenta, Calif.

    Emory Stumme takes a moment to reflect on a tree swing outside of her new home in La Crescenta-Montrose, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Not long after the Eaton fire displaced her family from their Los Angeles home, 10-year-old Emory Stumme broke down. The tears came during a family dinner, and she struggled to catch her breath.

    “You just were like, ‘I can’t pick up this fork, it’s too heavy,’ ” Emory’s mother, Becca, told her, recounting the episode. “You started crying and laughing and crying, and then heaving. I was like, ‘Oh my God, she’s really having a mental break.’ “

    The Stumme Family poses for a portrait in their backyard of their new home in La Crescenta-Montrose.

    The Stumme family poses for a portrait in their backyard of their new home in La Crescenta-Montrose.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Becca Stumme, her husband and their two kids lost their Altadena home in the fire. Emory and her 3-year-old brother’s schools hit pause until they could relocate. When the Eaton and Palisades fires sparked in January — respectively the second- and third-most destructive in California history — familiarity, friend groups and routines were upset for Emory and many of her peers.

    The Stummes' former home in Altadena, Calif.

    The Stumme family’s former home in Altadena, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    So, when Becca heard about a free day camp that had popped up in northeast LA to help out families displaced by the fires, she signed up her daughter. It was part of a series of free day camps in Southern California organized by Project:Camp, which aims to provide some normalcy for children displaced by disaster.

    Photo by Morgan Lieberman © 2025 All Rights Reserved

    Counselors and kids join together on the soccer field as the Project:Camp day begins at Camp Bob Waldorf in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Mikey Latner founded Project:Camp in 2018, inspired by what he saw as a need to help kids cope with their stress when their routines are disrupted. The idea sprung from his work in Houston the year prior with kids displaced by Hurricane Harvey. He said camp counselors are uniquely equipped to care for children in the wake of natural disasters. The camp’s approach, Latner said, is rooted in research showing that adverse childhood experiences are linked to lifelong physical and mental health problems.

    “By providing that sense of safety and normalcy at camp, we can help to lower their stress levels, return them to a routine, and only then can they start to create a narrative around what has happened … so that they understand that something has happened and that they’re safe now — to end that uncertainty and fear,” Latner said.

    Photo by Morgan Lieberman © 2025 All Rights Reserved

    Project:Camp founder Mikey Latner talks to a camper.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Campers do handstands on the soccer field at Camp Bob Waldorf in Glendale, Calif.

    Campers do handstands on the soccer field at Project:Camp in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    With its first camp up and running three days after the Palisades fire ignited on Jan. 7, Project:Camp ended up putting on a total of 10 camps throughout the region, welcoming 5- to 16-year-olds. Many of the camps lasted for two or three weeks.

    The program offered typical day camp activities such as arts and crafts, and games like tag. Other activities drew more directly from the camp’s trauma-informed approach. Mental health professionals were on site as volunteers to help address emotional issues that came up for kids.

    Campers and counselors make friendship bracelets together at Project:Camp in Glendale, Calif.

    Campers and counselors make beaded bracelets together at Project:Camp in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Campers take turns with slingshots at Camp Bob Waldorf in Glendale, Calif.

    Campers take turns with slingshots at Project:Camp in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    The disruption of routines, community and familiarity by the wildfires have taken a toll on children’s mental health, said Kat O’Malley, an associate marriage and family therapist practicing in the Los Angeles area, who volunteered at the camp. Since the fires, she said, parents have reached out to her seeking therapy for their kids after noticing signs of emotional and physical distress tied to the tragedy. Some kids are experiencing an increase in panic or nightmares, are more prone to separation anxiety and mood swings, while others appear unaffected, according to O’Malley.

    “Their sense of safety, stability — that was all rocked,” she said.

    For kids who experience a natural disaster, O’Malley said, it helps to find some sense of normalcy to begin the healing process.

    Emory Stumme enjoys lunch with her camp group at Project: Camp in Glendale, Calif.

    Emory Stumme enjoys lunch with her camp group at Project:Camp in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Becca said Emory’s time at the camp gave her daughter a chance to connect with friends while her school was paused.

    “The first day that we picked her up from camp, I was like, ‘Oh this is the old kid again,’ ” Stumme said. “She was able to see her friends and be outside and play and just be a kid and not have to worry about, like, ‘Where are we staying tonight?’ or ‘What clothes do I have?’ “

    The Eakin family in their temporary home in El Sereno, Calif.

    The Eakin family in their temporary home in El Sereno, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    Marah Eakin said sending her 6-year-old twins to the camp gave her some much-needed space to process her own feelings and handle “grown-up stuff,” like insurance paperwork.

    The Eakin family has been bouncing from one short-term rental to another. The home they had rented in Altadena still stands, about 100 feet outside of the burn scar of the Eaton fire. But, while they work to get their landlord to clean the place of ash and potentially other toxic chemicals, she said it’s unclear if or when they’ll be able to return.

    The Eakin family poses for a portrait down the street from their temporary home in El Sereno, Calif.

    The Eakin family poses for a portrait down the street from their temporary home in El Sereno, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    When Marah’s kids’ school resumed, not all of their classmates returned, the mother said. “A lot of their friends are scattered to the wind,” she said.

    Her daughter Zella misses her stuffed animals that got left behind.

    What might seem to some like an insignificant loss is often no small thing to a child struggling to cope with such losses, O’Malley said. Whether it’s stuffed animals or the family pet, the therapist said, kids grieve all kinds of things that might shape their sense of who they are.

    The Eakin kids play with stuffed animals in their temporary home in El Sereno, Calif.

    Eugene and Zella Eakin play with stuffed animals in their temporary home in El Sereno, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    “The biggest thing I think that comes up in grief work is when something changes your identity,” she said. “Oh, I have seven guinea pigs, six of them are hairless — that’s my fun fact — and one of my guinea pigs died last month, and I keep going, do I have to say six now instead of seven? It changes the way you introduce yourself, it changes so much about your identity, to have these shifts.”

    Children ultimately guide the program at Project:Camp, O’Malley said, while the adults allow them the space to talk through feelings that might arise throughout the day. There are frequent mental wellness checks, during which kids are encouraged to pick a number representing their feelings, in a 1 to 10 range. “”Gratitude circles” invite kids to share what makes them grateful; sometimes they are thankful for the food, or seeing friends. Through exercises like this, the camp’s program can give kids opportunities to have their own story heard, said O’Malley.

    Project:Camp counselor Becca Grae and Zella Eakin at Camp Bob Waldorf in Glendale, Calif.

    Project:Camp counselor Becca Grae and Zella Eakin in Glendale, Calif.

    Morgan Lieberman for NPR


    hide caption

    toggle caption

    Morgan Lieberman for NPR

    “When somebody else goes, ‘Oh, this all happened for a reason’ — it’s not for someone else to tell you what your experience was,” she said. “That can be really diminishing. But when you yourself make meaning of an event, that can be very powerful.”

    Often, the healing — sharing their feelings, telling their story — happens during the in-between moments, she said.

    “You’re like, ‘Does anyone need to share?’ And people are like, ‘No, we want to get to lunch,’ ” O’Malley said. “And then on the way to lunch, somebody goes, ‘Oh wow, this reminds me of my kitchen that had this really beautiful tile in it, and I’m sad that tile’s gone. That was really meaningful to my family — Oh yay, hot dogs!’ “

  • Senate approves 6 priority bills , 19th Congress enters final stretch

    Senate approves 6 priority bills , 19th Congress enters final stretch


    Senate approves 6 priority bills , 19th Congress enters final stretch

     

    MANILA – The Senate approved six key measures on Monday as lawmakers reconvened for the final six session days of the 19th Congress.

    Among the measures passed was Senate Bill No. (SBN) 890, or the Government Optimization Act, which empowers the President to streamline the executive branch through a five-year rightsizing program aimed at eliminating redundant functions and improving service delivery.

    The bill, principally authored by Senate President Francis Escudero, was passed with 22 affirmative votes and no opposition.

    Article continues after this advertisement

    Escudero said the bill is not meant to downsize the workforce but to optimize it.

    “Rightsizing is about streamlining the bureaucracy… upgrading, upskilling, and upscaling personnel to help them fill up much-needed positions and put them on the path toward career advancement,” he said.

    Under the measure, a “Committee on Optimizing the Executive Branch” will oversee the implementation of the Government Optimization Program.

    It covers all agencies under the Executive branch, excluding constitutional offices, local government units, the Judiciary, and teaching and uniformed personnel.

    Also approved was SBN 2805, or the Movie and Television Review and Classification Board (MTRCB) Act, which expands the agency’s mandate to regulate on-demand streaming platforms.

    Article continues after this advertisement

    Sponsored by Senator Robinhood Padilla, the bill seeks to ensure that content on digital platforms adheres to Filipino standards of decency and morality, especially to protect minors.

    “The MTRCB’s charter was enacted in 1985, long before the streaming era. This bill updates its mandate to reflect the realities of digital media,” Padilla said in a news release.

    Article continues after this advertisement

    Another approved measure, SBN 2965 or the Free Funeral Services Act, provides an “indigent funeral package” to poor families in crisis, including those affected by calamities or disasters.

    Authored by Senator Imee Marcos, the bill seeks to provide dignified burial assistance to those who cannot afford basic funeral services.

    The Senate also passed SBN 2974, or the Expanded Philippine Science High School (PSHS) System Act, which allows for up to two PSHC campuses per region, except for Metro Manila.

    Senator Juan Miguel Zubiri, who sponsored the bill, said it would address the growing number of qualified but unadmitted PSHS applicants due to limited slots.

    “Since 2022, PSHS has turned away over 5,800 qualified students simply because of a lack of space. This bill will democratize science education access,” Zubiri said.

    Also approved was SBN 2960, or the Lifelong Learning Development Framework (LLDF) Act, authored by Senator Joel Villanueva.

    The measure institutionalizes a national framework for continuous learning and upskilling for all Filipinos, with a focus on micro-credentials, transferable skills, and alternative learning certifications.

    “We can no longer rely solely on what we learned in school. We need to learn continuously to meet the demands of modern life,” Villanueva said.



    Your subscription could not be saved. Please try again.



    Your subscription has been successful.

    Another bill, SBN 2975, or the Revised Animal Welfare Act, was likewise passed to update existing laws on the treatment and protection of animals, though details of the measure were not immediately available during the session. 

    /gsg



  • Triple-I Blog | Triple-I Brief Highlights Legal System Abuse and Attorney Advertising

    Triple-I Blog | Triple-I Brief Highlights Legal System Abuse and Attorney Advertising


    Triple-I Blog | Triple-I Brief Highlights Legal System Abuse and Attorney Advertising

    The Insurance Information Institute (Triple-I) has released its latest issues brief, Legal System Abuse and Attorney Advertising for Mass Litigation: State of the Risk, which discusses how mass torts, specifically Multidistrict Litigation, and aggressive attorney advertising can in combination fuel the risk of legal system abuse.

    Advertising is one of the most common methods companies use to sell their products and services and influence public perceptions. While the issue brief doesn’t argue that general advertising or filing for due process is problematic, it does offer a risk management-based lens for viewing how aggressive attorney advertising campaigns can fuel costs associated with settling claims.

    Key Findings

    • Legal service providers spent $2.5 billion on 26.9 million ads across the United States.
    • Research suggests that legal advertising increases the number of plaintiffs in multidistrict litigation (MDL), which are large lawsuits consisting of multiple civil cases involving one or more common questions of fact but pending in different districts.
    • Product liability cases, which accounted for 38 percent of pending MDLs as of August 2023, emerged as the single largest category of MDLs, while other case types have decreased from 2012 to 2022.
    • The third-party litigation funding market, with an estimated size of $16 billion, is a likely resource for advertising budgets for mass torts; however, 12 states and two jurisdictions have enacted or are considering disclosure requirements.

    Ads for legal services and lawsuits saturate all channels of communication – public billboards, radio and television broadcasts, and social media – dangling the lure of a financial windfall. Legal services marketing isn’t uniquely used for mass litigation cases. Nonetheless, it is overall geared to recruit as many lawsuit filers as possible. Therefore, aggressive advertising for legal services introduces the risk of fueling higher claim costs via problematic litigation.

    These advertisements often employ an exaggerated sense of urgency, urging the target audience to take immediate legal action without considering alternative options for resolution. These ads may also often overpromise results by implying guaranteed windfalls (i.e., “We’ll get you your money’’), creating unrealistic expectations for plaintiffs and, thus, potentially impacting the time to settle. Additionally, when ads mention a particular product or brand, attorneys communicate plaintiff-biased information to potential jurors. In essence, a juror may recall seeing a flood of advertisements about the product and think, “Where there’s smoke, there must be fire.”

    The brief focuses on MDLs because these are complex, huge, and slow-paced cases that may sometimes involve hundreds, even thousands of individual lawsuits. Therefore, these cases inherently carry the risk of driving up legal costs. Also, the large number of plaintiffs introduces the risk that questionable claims might slip into the lawsuit. For example, a particular product may have indeed caused harm to some, but not all, of the plaintiffs who used it.

    Pummeling the world with ads can be expensive. Enter the third-party litigation funding (TPLF) market, which, despite tighter capital controls in recent years, grew to $16 billion in 2024, up from $15.2 billion in 2023. TPLF offers discretionary funding to the litigation industry, which can, in turn, use the money to fuel more lawsuits seeking large settlements — a boon for the firms and the funder. The brief outlines how several states and jurisdictions are moving to create transparency around TPLF involvement.

    Practices that foster unnecessary or drawn-out litigation are among several hard-to-measure forces that can shift loss ratios for insurers and disrupt forecasts, making cost management more challenging. Ultimately, the cost is passed on to consumers, adversely impacting coverage affordability and availability. Triple-I is committed to advancing conversations with business leaders, government regulators, consumers, and other stakeholders to attack the risk crisis and chart a path forward.

    Read the issue brief to find out more about how attorney advertising can contribute to legal system abuse. To join the discussion, register for JIF 2025. Follow our blog to learn more about trends in insurance affordability and availability across the property and casualty market.

  • Index Funds Go Head to Head

    Index Funds Go Head to Head


    If you’re balancing VTI vs. VOO, you’re probably looking at putting money into an index fund. That’s generally going to be a good decision. Index funds allow you to diversify your portfolio even if you don’t have much to invest, and even investment professionals often fail to pick stocks that beat the index performance.

    But which of these funds should you choose? Let’s start with the basics.

    VTI vs VOO: By the Numbers

    VTI vs VOO - By the Numbers
    VTI VOO
    Full Name Vanguard Total Stock Market ETF Vanguard S&P 500 ETF
    Index Tracked CRSP U.S. Total Market Index S&P 500 Index
    Assets Under Management* $318.6 billion $339.7 billion
    Number of Holdings 3839 507
    Expense Ratio 0.03% 0.03%
    Dividend Yield* 1.54% 1.56%
    Issuer Vanguard  Vanguard 

    * As of Sept. 2023

    Five-Year Performance

    VOO - VTI Five year performance chart

    Source: Barchat

    VTI vs VOO: What’s the Difference?

    The most important difference between VTI and VOO is that each fund tracks a different index:

    • VTI tracks the CRSP U.S. Total Market index. The CRSP U.S. Total Market index is an index of almost 4000 companies headquartered in the US, from mega to micro capitalization. This makes the index a good representation of the entire US stock market, not just the largest companies.
    • VOO tracks the S&P 500. The S&P 500 is an index of the 500 top largest companies in the US.

    These indices and the ETFs that track them are market cap weighted. That means that they give larger companies a heavier weight.

    📈 Learn more: Unlock the basics of building wealth with our step-by-step investing guide for beginners.

    VTI vs VOO: Sector Exposure

    VTI and VOO use slightly different terms to break down their sector exposure.

    VTI Sector Breakdown

    Sector Weight
    Information Technology 30.20%
    Consumer Discretionary 14.40%
    Industrials 13.00%
    Health Care 12.60%
    Financials 10.30%
    Consumer Staples 5.10%
    Energy 4.60%
    Real Estate 2.90%
    Utilities 2.70%
    Telecommunication 2.20%
    Basic Materials 2.00%

    VOO Sector Breakdown

    Sector Weight
    Technology 28.20%
    Health Care 13.20%
    Financials 12.40%
    Consumer Discretionary 10.60%
    Communication Services 8.80%
    Industrials 8.40%
    Consumer Staples 6.60%
    Energy 4.40%
    Real Estate 2.50%
    Basic Materials 2.50%
    Utilities 2.40%

    One thing that immediately stands out in these breakdowns is that both VTI and VOO are heavily weighted toward IT (tech & communication) especially VOO, reflecting the current large market capitalization of these sectors in the US stock market.

    • VTI tracks a larger number of companies from a wider range of corporate sizes. It is weighted more heavily toward the consumer and industrial sectors, which contain more medium and small-size companies. The larger number of holdings and higher variation in the companies’ profiles make it more diversified.
    • VOO tracks a smaller number of companies with a slightly greater concentration in tech. It gives a higher part to healthcare and financials, which tend to be dominated by large companies (sometimes referred to as Big Banks and Big Pharma).

    Neither of these options is fundamentally better or worse. They provide exposure to slightly different sectors of the market, and that can lead to different performance characteristics.

    VTI vs VOO: The Similarities

    VTI and VOO have a lot in common. They are both extremely large ETFs. Both funds are managed by Vanguard, which has a reputation for providing low-cost funds.

    If you’re looking for large, highly liquid funds with credible management, both of these ETFs will pass your screen.

    There are also less obvious similarities, explaining the very similar performance charts stemming from three basic facts.

    • As market cap-weighted indexes, they both give a predominant space to mega-caps worth trillions of dollars, most of them tech companies.
    • A lot of the performance of the CRSP U.S. Total Market Index is driven by the top largest holdings, which are all part of the S&P 500.
    • The stock market value of mid and small-cap stocks tends to move in unison with larger-cap stocks.

    What does that mean in practice? Let’s look at the ten largest holdings of VTI and VOO.

    Top Holdings: VTI vs VOO

    The top holdings of both indexes are identical for the first 9th largest holdings, only in a slightly different order. It includes:

    • Apple Inc.
    • Microsoft Corp.
    • Amazon.com Inc.
    • NVIDIA Corp.
    • Alphabet Inc. Class A
    • Alphabet Inc. Class C
    • Tesla
    • Facebook Inc. Class A
    • Berkshire Hathaway Inc. Class B

    So the only difference among the top 10 holdings is that VTI contains insurance and healthcare stock UnitedHealth Group while VOO contains oil & gas Exxon Mobil Corp.

    The same can be true even if looking at the next 10 holdings for each fund. The list is identical for 9th of them, with a very similar order:

    • Exxon Mobil Corp or UnitedHealth Group
    • Eli Lilly & Co.
    • JPMorgan Chase & Co.
    • Visa Inc. Class A
    • Johnson & Johnson
    • Broadcom Inc.
    • Procter & Gamble Co.
    • MasterCard Inc Class A
    • Home Depot

    The difference is in the 20th largest holdings: pharmaceutical company Merck & Co Inc. for VTI and energy company Chevron Corp. for VOO.

    The only real difference is for the top holdings of VTI to be slightly less of the whole ETF, making space for the smaller holdings of smaller companies.

    Which Is Best for You?

    Both VTI and VOO are good choices for an investor who is looking for a quality diversified index fund. Both are among the largest and most prominent ETFs in the country, both are highly liquid, and they have very similar track records. They also have the same low fee of 0.03%.

    Your choice will be based on what you are looking for in an investment.

    • VTI is giving some exposure to companies with a smaller market capitalization. This gives a slightly different profile when looking at the sector basis, giving more importance to the industrial and consumer sectors.
    • VOO is a more aggressive, less diversified fund focused on major tech companies. This gives it greater potential for gains in bull market periods but also opens up the possibility of significant losses in a bear market.

    How you see the markets makes a difference: if you think markets are going to keep favoring large caps, then you will prefer an index focused solely on them. If you believe that smaller companies might be able to outperform, you will prefer an index able to rebalance toward them and increase their weight into the index while their market capitalization grows.

    If you are weighing VTI vs VOO and you’re having trouble making up your mind, consider allocating a portion of your portfolio to each fund. Keeping several ETFs in your portfolio can provide the best of both worlds.