Author: blogs2025

  • What is Credit Card Piggybacking?

    What is Credit Card Piggybacking?


    Credit card piggybacking is when you add someone else as an authorized user to help them improve their credit history and thus their credit score.

    Adding someone as an authorized user is free and they will see that credit line appear on their report, which can help improve it.

    Remember that the FICO credit score is made up for five factors:

    If you add in a new credit line with a long history of on-time payments, you help improve Length of Credit History as well as Payment History, which make up 50% of the score.

    The person you add doesn’t need to get the card itself. Just adding them will confer the benefits.

    Minimum ages for authorized users

    Some issuers have a minimum age for authorized users:

    • American Express – 13
    • Barclays – 13
    • Discover – 15
    • U.S. Bank – 13

    The following banks do not list an age – Bank of America, Capital One, Chase, Citi, Wells Fargo, and USAA.

    If you want to help someone, find your oldest credit card and find out if there is an age requirement.

    Some banks will not report the credit card for authorized users unless they are a certain age. American Express explains in their FAQ on Additional Card Members (emphasis mine):

    Q. How does the Additional Card Member establish credit?

    A. Credit information will be provided to the credit bureau for the Additional Card Member when they are 18 or older. The Additional Card Member builds only positive credit history based on the credit behavior of the Basic Card Member. If the Basic Card Member becomes delinquent at any point, we will discontinue reporting on the Additional Card Member’s Card in order to retain positive history on the Additional Card Member.

    Are there downsides to credit piggybacking?

    If you do not give the authorized user their card, there is zero downside.

    If you do, the risk is that you are responsible for their spending. They may have been added as an authorized user but it is still your credit card – you are responsible for the debt and not the person that you added. If they don’t have the card, or the number of the card, there is no risk.

    Do not pay for credit piggybacking

    There are some credit repair companies who will claim that this strategy is fool-proof and in a sense they are correct, there’s no risk to doing this and it’s likely to help.

    There is no guarantee.

    Many companies have settled with the FTC for promising this.

    It’s a part of your score but if your history is long and generally bad, adding an additional credit line is unlikely to improve your score significantly. The average credit line factor is an average, so adding one card when you have 5 bad ones is not going to have a big impact.

    Adding an authorized user

    Adding an authorized user is really easy – just log into the issuer’s website and it’s usually somewhere under Accounts or Account services. Here it is in Chase:

    You will need a limited set of personal information to add an authorized user. For Chase, you don’t even need their Social Security Number but they will still report it to the bureaus.

  • Healthy Flavoured Water Or Just Hype?

    Healthy Flavoured Water Or Just Hype?


    If you’ve ever Googled ‘air up review’ in a bid to figure out whether these popular bottles are a health game-changer like they say they are or whether they’re just another influencer-fuelled gimmick, then you’re in the right place.

    Because I’ve totally been the person that’s been frantically Googling ‘Air Up review’ in the hope of finding some answers.

    You see, Air Up has been on my radar for a good few years now. I remember my niece getting one for Christmas around the time every teenage girl wanted one. My daughter who was in primary school at the time, saw her cousin with this magic bottle and immediately began lusting after one.

    Now, not gonna lie, I was that mum who thought it was far too faddy, I didn’t really get it, couldn’t see what all the hype was about over what was essentially just a water bottle. And so she didn’t get one.

    Until now.

    Because the thing is my daughter doesn’t drink anywhere near as much as she should. A whole day can go by and she’s had maybe half a bottle’s worth of drink. It’s not enough. Especially in the heat. Which is rich coming from me, because I also don’t drink anywhere near enough.

    According to government health advice, we should all be aiming to drink between 6-8 glasses of water a day – that’s about 2 to 2.5 litres. This amount can also include low fat milk, tea, coffee, and sugar free drinks. But of course, water is by far the healthiest option.

    Let’s be honest though, drinking water is just a bit boring after a while, isn’t it?

    And that’s exactly why I’m writing this Air Up review. I want to see whether Air Up will get me and my daughter drinking more water and figure out once and for all whether this is genuinely healthy flavoured water or all just hype.

    How Does Air Up Flavour The Water?

    Ah ha well the thing is, it doesn’t. Well, not exactly. You see Air Up isn’t about adding stuff to water, it’s all about tricking the brain into believing that the water you’re drinking has a taste.

    I mean, what kind of magical sorcery is this!?!

    At the risk of sounding clichéd… here comes the science bit:

    Taste isn’t just a job for the tongue. Sure, our tongues help distinguish between sweet, salty, sour, bitter, and umami flavours, but we experience true flavour through our noses. If you’ve ever had a bad cold that leaves you with a blocked nose, you may have also noticed your taste goes too.

    If you’re wondering what on earth I’m talking about, try this little experiment – hold your nose and then eat or drink something with a strong flavour. You won’t taste anything. Now release your nose and the flavour will come flooding back in. It’s a technique I used all the time as a kid when there was a dinner I didn’t like (new potatoes yuck!).

    The process of tasting through your nose is known as retronasal olfaction and that’s exactly what Air Up uses to convince us that we’re drinking flavoured water. Or rather I should probably say ‘scented water’, because remember we’re not adding anything to the water as such, we’re just adding a scent that creates the illusion of flavour.

    And the secret to this are the Air Up pods.

    These little doughnut shaped scent pods are attached to the bottles so that when you drink water your nose smells the scent as you swallow. This scent travels to the olfactory region at the top of your nasal cavity and your brain then recognizes it as a taste. So although you’re drinking plain water, it tastes like it’s flavoured. Clever, huh?

    So, now we know how it works, let’s take a look at a couple of the products in a bit more detail:

    The Air Up tumbler is one of their newer products and I gotta say, I love it. Aside from looking super stylish I’ll always give extra brownie points to a product that is considerate of how it’s actually being used. Features like a slimmer base means it fits perfectly into cupholders and you gotta love a drinks container with a handle.

    There are two different ways of drinking from the tumbler, you can either use the straw or there’s a traditional opening that you can sip from. But let me tell you more about the straw. You see the straw is where you attach the scent pod to. It simply inserts over and down the straw to sit snugly on top of the tumbler lid. Which means when you drink, the scent is in prime position of those nostrils of yours. Et voilà – flavoured water!

    The tumbler holds 700ml of water, so basically you need to drink about 3 of these to hit your daily quota. And the double-wall vacuum insulation keeps water cold up to 24 hours, so in summer you’re sorted. Plus, you don’t need to stick to still water, you can also use sparkling water, which is great news if you’re a bit of a fizzy drinks fiend like me.

    It’s currently available in either creamy white or soft lilac both of which are the perfect pastel tones to match your summer outfits and to take away on holiday with you.

    From a mum’s point of view I want to know:

    • Can it go in the dishwasher?
    • Will it leak?
    • How long do the pods last?

    And the answer is yes it can go in the dishwasher, no it won’t leak, and the pods will flavour 15l of water so that’s about 20 tumblers’ worth. Happy days!

    The Air Up Twist Pro is the one my daughter chose. Not gonna lie, the second I told her I was doing an Air Up review she’d pretty much hopped on the website, chosen what she wanted, picked the colour, and before I knew it, it was a done deal. She went for the lavender colourway because I mean why wouldn’t you, look at it it’s lush. But there are 9 other different colour options to choose from, so there’s bound to be a colour on there that works for you.

    The bottle comes as either 600ml or 1000ml and you can also choose from Tritan or Steel versions. Like the tumbler, it is dishwasher safe and has a leak-proof design so you can bung it in your bag safe in the knowledge it won’t spill over any of your stuff. It also has a quick twist cap (hence the name Twist Pro) and a handy carry loop.

    Each bottle/tumbler comes with 3 flavour pods included in the price. In this instance we had Lemon-Lime Soda, Cherry, and Blue Raspberry. If you want different flavours you can buy pods in packs of individual flavours or as variety packs and there are 25 different flavours to choose from. My personal fave is the Virgin Mojito, because after giving up alcohol 20 months ago I am no stranger to a Virgin Mojito and this proper hits the spot.

    Now, if you want to get the best flavour from your Air Up the trick is to get water in your mouth first and then inhale. It took us a couple of go’s before figuring this out and at first my daughter was a little disappointed as she couldn’t taste anything other than water. But my advice is to persevere and you’ll get it. And when you do, you’ll know about it!

    The other thing I feel it’s important to mention is that this is just a gentle touch of flavour. A cola scented Air Up pod is never going to taste exactly like cola. There’s a bit of a texture thing going on as well. Like I know all liquids are liquids, but for instance fruit juice and squash feels different in the mouth to water. So you need to get your head around this when you first try it.

    Because the pods are scented, not flavoured, there’s no sugar or additives to worry about. The pods contain natural aromas from fruits, berries, herbs, and spices, which are blended together to create authentic tasting flavours. And it’s why Air Up can proudly state that they can give you the healthiest flavoured water out there… because it is just water

    Air Up Review – Final Thoughts

    Healthy flavoured water or just hype?

    Look, I know the cynics among you are probs thinking jeez why spend 30 odd quid on a water bottle when you can just bung some slices of fruit and sprigs of herb into a jug of ice cold water and get healthy flavoured water that way. But the fact is, most of us won’t bother to do that. I know from my own personal experience of being someone who doesn’t drink enough water that it’s a struggle to even remember to drink let alone be expected to add garnishes!

    Air Up have come up with a way for us to drink water that has a taste and I think that’s pretty remarkable. No calories, no nasties, just plain and simple water with some scentsational science.

    So, has it made me and my daughter drink more water? Well yeah it has as it happens. She regularly reaches for her Air Up bottle and because the scent pods are so easy to take on and off (you just need to remember to keep them sealed in between uses so they don’t lose their scent) she can easily switch between flavours depending what mood she’s in.

    And I am loving putting sparkling water in my tumbler. It kinda feels like I’m still getting the flavoured fizzy drinks I love, but without all the nasties.

    So bearing all that in mind, no I don’t think it’s hype. There are lots of very good reasons why I’m pleased Air Up has entered our lives. Here’s to a healthy and hydrated summer!

    *Products gifted for review.


    Do you have an Air Up bottle? If so I’d love to know your favourite flavour!

    You can comment and follow me on:

    Or leave me a friendly comment below.


    Author Bio

    Becky Stafferton is a full-time content creator, web publisher, and blogging coach. She continually strives to promote a realistic, sustainable and positive image of how to lead a healthy life. When she’s not writing she can be found running through muddy puddles, making lists of lists, having a good old moan, talking in funny voices to her dog, renovating her house in the country, and teaching others how to make money from their blogs.



  • Kevin O’Leary Advocates Entrepreneurship Over Consulting to Students: ‘Why Would Anybody Burn All Those Hours While Someone Else Makes Money?’

    Kevin O’Leary Advocates Entrepreneurship Over Consulting to Students: ‘Why Would Anybody Burn All Those Hours While Someone Else Makes Money?’



    Kevin O’Leary, the famed investor and star of “Shark Tank,” urged students at Harvard to forgo the traditional consulting route and instead establish their own businesses.

    What Happened: In his role as an Executive Fellow at the prestigious Ivy League school, O’Leary expressed his belief that dedicating two years to a consulting firm could result in a mediocre career.

    He suggested that consultants are often viewed as indecisive, which could hinder their professional growth.

    O’Leary, who is also the founder of the $4.2 billion company, SoftKey Software Products, is committed to motivating his students to adopt an entrepreneurial mindset. He acknowledged that his teaching method involves revealing some hard truths about the consulting sector.

    “Look, if you want to drift into hell on Earth, stay 24 months in a consulting firm and you are tainted meat for the rest of your life. No one’s going to hire you to make a decision because you never have made one,” O’Leary told Fortune.

    Also Read: Kevin O’Leary Told Student To Pick Business Over Fiancée: ‘She’s Easier To Replace’

    “Why would anybody burn all those hours while someone else makes money, and you do nothing of consequence? I respect all the consulting firms that are out there, but I’m going to do my best to keep people from going into that,” he added.

    Despite the appealing starting salaries ranging from $250,000 to $350,000, O’Leary cautioned that consultants frequently work long hours without creating anything of their own. He went on to say that consultants are unlikely to attain financial independence while working for someone else.

    O’Leary’s advice comes at a time when many students are grappling with career decisions. His emphasis on entrepreneurship over consulting reflects a broader trend in the business world, where innovation and self-starting are increasingly valued.

    His course, The Founder Mindset, could potentially shape the next generation of entrepreneurs, steering them away from traditional career paths and towards creating their own ventures.

    Read Next

    Shark Tank’s Kevin O’Leary Outraged Over Fine Against Donald Trump In NY Civil Fraud Case: ‘It’s Appalling. It’s Unjust … It’s Un-American’

    Image: Shutterstock/Vivvi Smak

  • Trump and Epstein: What was their relationship?

    Trump and Epstein: What was their relationship?


    Trump and Epstein: What was their relationship? A message calling on President Donald Trump to release all files related to Jeffrey Epstein is projected onto the US Chamber of Commerce building across from the White House in Washington, DC, on July 18, 2025. | Photo by Alex WROBLEWSKI / AFP

    A message calling on President Donald Trump to release all files related to Jeffrey Epstein is projected onto the US Chamber of Commerce building across from the White House in Washington, DC, on July 18, 2025. | Photo by Alex WROBLEWSKI / AFP

    WASHINGTON, United States — Donald Trump’s past ties with Jeffrey Epstein are under scrutiny after the US president slammed a Wall Street Journal report that he sent a lewd letter to the infamous sex offender as “fake news.”

    AFP looks at the pair’s relationship as the Trump administration also faces demands to release all government files on Epstein’s alleged crimes and his death.

    READ: ‘Epstein files’ explained: Why Trump is under pressure

    Parties and private jets

    Trump, then a property mogul and self-styled playboy, appears to have known Epstein, a wealthy money manager, since the 1990s.

    They partied together in 1992 with NFL cheerleaders at Trump’s Mar-a-Lago resort in Florida, according to footage from NBC News, which shows the pair talking and laughing.

    The same year, Epstein was Trump’s only guest at a “calendar girl” competition he hosted involving more than two dozen young women, The New York Times reported.

    In a display of their close ties, Trump flew on Epstein’s private jet at least seven times during the 1990s, according to flight logs presented in court and cited by US media.

    He has denied this, and in 2024 said he was “never on Epstein’s plane.”

    In 1993, according to The New York Times, Trump allegedly groped swimsuit model Stacey Williams after Epstein introduced them at Trump Tower — a claim the president has refuted.

    Separate from his links to Epstein, Trump has been accused of sexual misconduct by around 20 women.

    In 2023, he was found liable of sexually abusing and defaming American journalist E. Jean Carroll in a civil trial.

    READ: Trump calls for MAGA base to end ‘Epstein Files’ obsession

    ‘Terrific guy’

    Virginia Giuffre, one of Epstein’s main accusers who died by suicide this year, said she was recruited into his alleged sex-trafficking network aged 17 while working at Trump’s Mar-a-Lago club in 2000.

    Giuffre claimed she was approached there by Ghislaine Maxwell, who was jailed in 2022 for helping Epstein sexually abuse girls.

    Trump seemed to be on good terms with Epstein during this time, praising him as a “terrific guy” in a 2002 New York Magazine profile.

    “He’s a lot of fun to be with. It is even said that he likes beautiful women as much as I do, and many of them are on the younger side,” Trump said.

    In 2003, according to a Wall Street Journal report, Trump penned a letter for Epstein’s 50th birthday featuring a drawing of a naked woman, with his signature “Donald” mimicking pubic hair.

    His apparent message — Trump dismissed the letter as a “fake thing” — read: “Happy Birthday — and may every day be another wonderful secret.”

    ‘I wasn’t a fan’

    The pair reportedly had a rupture in 2004 as they competed to buy a waterfront property in Florida, which Trump eventually snagged.

    The two men were hardly seen together in public from that point. Trump would later say in 2019 that they had a “falling out” and hadn’t spoken in 15 years.

    Shortly after the property auction, police launched a probe that saw Epstein jailed in 2008 for 13 months for soliciting an underage prostitute.

    He was arrested again in 2019 after he was accused of trafficking girls as young as 14 and engaging in sexual acts with them.

    Trump, then serving his first term as president, sought to distance himself from his old friend.

    “I wasn’t a fan,” he told reporters when the charges were revealed.

    In 2019, Epstein was found hanging dead in his prison cell awaiting trial. Authorities said he died by suicide.

    Since then, Trump has latched onto and fueled conspiracy theories that global elites including former president Bill Clinton were involved in Epstein’s crimes or death.

    Those same theories now threaten to destabilize Trump’s administration, despite his attempts to dismiss the saga as a “hoax” created by political adversaries.



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  • What does market-leading cyber claims management look like? | Insurance Blog

    What does market-leading cyber claims management look like? | Insurance Blog


    Recently, many leading insurers have applied transformative solutions to enhance their cyber products. With the cyber insurance market projected to double to $29B by 2027, we explore what constitutes market-leading cyber claims management.  

    In this blog we’ll delve into the complexities of responding to cyber claims, the essential skills required by claims adjusters, and the measures insurers must take to achieve excellence in cyber claims management. 

    The complexity of cyber claims  

    The most comprehensive cyber coverage encompasses a broader range of perils than most other insurance products: 

    1. First-party coverages: This includes damage to devices, network damage, physical property damage, and damage to digital assets. It also covers damage to or theft of intangible assets, theft of funds, and costs associated with recovery, restoration, and remediation. Financial losses due to business interruption, lost business opportunities, reputational damage, ransomware, and extortion are also included. Additionally, expenses related to investigations, notifying affected third parties, and damage to intellectual property such as patents and trademarks are covered. 
    1. Third-party coverages: These coverages include contractual and legal liability, regulatory proceedings, and multimedia liability. They also encompass civil damages, compensation, payment card loss, errors and omissions, technology professional liability, miscellaneous professional liability, and network security and privacy liability. 

    When the policyholder of a comprehensive cyber product is a large multinational corporate business with both B2B and B2C customers, handling a potential large-scale claim becomes highly complex for claims adjusters. Cyber claims, akin to oil spillages, are catastrophic by nature, recognize no geographical boundaries, and are continuously evolving and unpredictable. Cyber breaches can critically impact businesses, societies, and essential national infrastructure, including hospitals, water and sewage systems, and airports. 

    The complexity, however, extends further. Cyber claims pose unique challenges to today’s claims adjusters due to the intricate technical nature of the claims, which involve IT systems, both tangible and intangible assets, cybersecurity protocols, digital forensics, and the constantly changing regulatory and legislative landscape concerning data protection, AI protection, and privacy law across all affected jurisdictions. 

    Furthermore, a cyber claims adjuster must be adept at instructing and managing a diverse group of specialists, ranging from IT forensic experts, data experts, and forensic accountants to credit monitoring experts, legal breach counsel, public relations experts, crisis management professionals, and ransomware attack experts. 

    The skills of a cyber claims adjuster 

    The skills of a cyber claims adjuster are multifaceted and require a detailed understanding of various aspects: 

    Knowledge Requirements: A cyber claims adjuster must possess advanced, industry-recognized qualifications and typically have a background in Errors & Omissions (E&O), Trade Credit, Political Risk, and/or Crisis Management. They need practical knowledge of applying first and third-party cyber coverages, reserving, evaluations, and risk management processes, usually gained from previous roles in cyber claims or broker advocacy. 

    Experience Requirements: The industry faces challenges due to a limited talent pool. It’s crucial for adjusters to understand the roles and responsibilities of various experts involved in cyber claims. Their practical experience is vital for effectively overseeing and managing these experts to ensure rapid response to claims, effective mitigation actions to prevent further losses, and complete resolution of claims. Cyber claims have grown in complexity and quantity, but many adjusters come from auxiliary lines of business. A key skill often missing is proficiency in IT systems, cybersecurity protocols, digital forensics, intangible assets, and a deep understanding of constantly evolving regulations and legislation across IT, AI, GDPR, and consumer privacy. This is particularly critical when insurance covers technology-based companies, where coverage is often bespoke and niche. 

    Operational Responsibilities: Adjusters must effectively determine the existence, cause, and scope of a breach and manage key activities in cyber claims management. This includes selecting and managing the appropriate incident response team, assessing ongoing or concluded breaches, evaluating the impact on the customer’s business and assessing breaches of cybersecurity protocols. It also covers responding in compliance with current data protection and privacy regulations, identifying and responding to fraud triggers, and providing feedback into underwriting risk controls and actuarial tables. 

    Customer Segment Knowledge: Proficient knowledge and experience with a range of customer segments, from SMEs to multinational and large corporate clients, are also essential for a cyber claims adjuster. Because Cyber is such a swiftly evolving product and still sub-scale to many other lines, insurers face the difficult question of whether to organize their Cyber claims team as a line of business CoE or whether to adhere to existing CoEs centred around SME, mid-market, multi-national clients etc. 

    Emerging risks and challenges 

    The task of determining the existence, cause, and scope of a breach is becoming increasingly complex due to the extensive coverage of cyber insurance, rapid technological and data platform evolution, the catastrophic and systemic risks associated with breaches, and the implications of Gen AI. Gen AI presents new opportunities and challenges, enhancing capabilities for both cyber attackers and defenders, leading to more sophisticated attacks almost daily.  

    The strategic choices to become market-leading in cyber claims  

    In conclusion, there are four key components to get right:  

    1. Insurers need a claims application that supports the adjusters in effective management of the incident response team and experts. The application needs to be fit-for-purpose for cyber, which means a comprehensive master data management to orchestrate the 100+ relevant cyber claims data points as well as an expert-specific permission access to documents.
    2. Insurers need a comprehensive and continuous development program to remain proficient in evolving cyber risk, technology changes and especially the opportunities and challenges that Gen AI represent. 
    3. Insurers need a comprehensive cyber saferoom that provides a secure space for pre-incident advice and training, incident response planning, notification services, etc. The saferoom must have the right guardrails that support collaboration with the independent legal breach counsel.
    4. Insurers need a continuous feedback-loop of claims master data that inform the actuarial tables and the risk controls in underwriting. Market-leading insurers achieve this with a scalable infrastructure and architecture, so that the technical pricing across all variables is informed in real-time based on loss history.  

     

  • How Much of My Social Security Benefits Is Taxable?

    How Much of My Social Security Benefits Is Taxable?


    [Updated on July 20, 2025 to include tax calculation with the $6,000 senior deduction from the 2025 Trump tax law.]

    Social Security benefits are 100% tax-free when your total income is low. As your total income goes up, you’ll pay federal income tax on a portion of the benefits while the rest of your Social Security income remains tax-free. This taxable portion goes up as your total income rises, but it will never exceed 85%. Even if your annual total income is $1 million, at least 15% of your Social Security benefits will stay tax-free.

    The new 2025 Trump tax law created a $6,000 senior deduction, but it didn’t change anything in how Social Security is taxed. See Social Security Is Still Taxed Under the New 2025 Trump Tax Law. This calculator has been updated to include the new $6,000 senior deduction.

    Taxation of Social Security Benefits

    The IRS has a somewhat complex formula to determine how much of your Social Security is taxable and how much of it is tax-free. The formula first calculates a combined income that consists of half of your benefit plus your other income, such as withdrawals from your retirement accounts, interest, dividends, and capital gains. It also adds any tax-exempt interest from muni bonds.

    This income is then reduced by above-the-line deductions such as deductible contributions to Traditional IRAs, SEP-IRAs, SIMPLE IRAs, HSAs, deductible self-employment tax, and self-employment health insurance. Finally, this provisional income goes through some thresholds based on your tax filing status (Married Filing Jointly or Single/Head of Household). All of these steps are in Worksheet 1 in IRS Publication 915.

    Calculator

    You can go through the 19 steps in the worksheet to calculate the amount of Social Security benefits that will be taxable, but the worksheet isn’t the easiest to use. I made an online calculator that helps you calculate it much more quickly. It only needs three numbers plus your age and tax filing status. You’ll have your answer with the click of a button.

    The calculator works for all types of Social Security benefits. It doesn’t matter whether you’re receiving Social Security retirement benefits, disability benefits, spousal benefits, or survivor benefits as a widow or widower. It doesn’t matter whether you’re receiving your full Social Security benefits, or you’re getting reduced benefits because you claimed early, or you’re getting the maximum benefit because you waited until age 70.

    The calculator works for both a single person and a married couple filing a joint return. If you’re married and both of you are receiving Social Security, include both your benefit and your spouse’s benefit, and both your income and your spouse’s income.

    If you’re on Medicare, the Social Security Administration automatically deducts the Medicare premium from your Social Security benefits. You need to use the “gross” Social Security benefits before deducting the Medicare premium, and it should be an annual number, not monthly. You can find this number on your Social Security benefit statement or your Form SSA-1099.

    It only applies to federal taxes though. State taxes don’t necessarily follow the same rules as the federal government. Different states have different rules on taxing Social Security benefits. Some states don’t tax Social Security benefits.

    Tax Filing Status:
    I’m 65+ by 12/31
    Spouse (if filing jointly) is 65+ by 12/31
    Social Security benefits (gross, annual):
    All other income (wages, pension, IRA withdrawals, Roth conversion, dividends, capital gains, interest, including tax-exempt muni bond interest, …):
    Above-the-line deductions. These include deductible contributions to HSA, traditional IRA, SEP-IRA, and SIMPLE IRA, and deductible self-employment tax and self-employment health insurance. Most retirees don’t have these.

    The calculated tax amount assumes that all your other income besides Social Security is fully taxable, and you take only the standard deduction and the senior deduction when eligible. It doesn’t consider lower tax rates on qualified dividends and long-term capital gains, or tax-exempt muni bond interest. Your tax may be lower if you have those, or if you donate to charities or have large itemized deductions.

    If you don’t quite trust my calculator, you can double-check against the official calculator from the IRS. The IRS calculator isn’t as easy to use. It gives the same result for the taxable amount at the end, but it doesn’t include the tax estimate.

    Taxable Does Not Necessarily Mean Paying Taxes

    The calculator shows the taxable portion of your Social Security benefits. Having a taxable amount only means it will be included as part of your gross income on your tax return. It does not necessarily mean you’ll pay taxes.

    Your gross income is still subject to your normal standard or itemized deductions to arrive at your taxable income. You still pay in your normal tax brackets of 10%, 12%, 22%, etc., on the taxable income. 50% or 85% of your benefits being taxable doesn’t mean you’ll lose 50% or 85% of your Social Security to taxes. The actual tax on your benefits is much less. The tax may be zero after applying deductions.

    When more than 15% of your Social Security is tax-free, additional income outside Social Security will make more of your Social Security benefits taxable, lowering that number toward 15%. Some people call this a tax torpedo, but it’s a misleading term. It gives you the impression that Social Security is taxed more heavily than other income, which is not true. You still pay lower taxes than other people with the same income. See why that’s the case in An Unusually High Marginal Tax Rate Means Paying Lower Taxes.

    Say No To Management Fees

    If you are paying an advisor a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice.

    Find Advice-Only

  • Healthy Meal Suggestions To Lose Weight: Practical Guide

    Healthy Meal Suggestions To Lose Weight: Practical Guide


    When it comes to weight loss, what you eat plays a significant role. Exercise matters, but without the proper meals, your efforts can stall or even backfire. Yet, many people believe that healthy meals for weight loss are bland, repetitive, or too restrictive to enjoy.

    The truth is that you can absolutely enjoy variety, taste, and nutrition while working toward your weight goals. With the right combinations of ingredients, balanced portions, and smart planning, your meals can support fat loss without making you feel deprived.

    This article is your comprehensive guide to healthy meal suggestions to lose weight. It is backed by science, focused on balance, and designed for real life. No fads. No crash diets. Just clear, relatable information that helps you make better choices.

    Understanding the Fundamentals of Weight Loss

    Before we dive into meal ideas, it is crucial to understand how weight loss really works. Most people know about the “calories in vs. calories out” principle, but the process is influenced by more than just that equation. Hormones, sleep, stress, gut health, and food quality all play a role in how the body stores or sheds fat.

    Key Points to Understand:

    • Calorie Deficit is Crucial: You must consume fewer calories than you burn. It is important never to do this in a drastic manner because it could lead to the loss of beneficial nutrients.
    • Protein and Fiber Matter: Meals high in protein and fiber keep you full longer and reduce the urge to snack.
    • Quality over Quantity: Nutrient-dense foods are more filling and support overall health better than low-calorie, processed alternatives.
    • The Gut Connection: A healthy gut microbiome improves digestion, energy use, and even hunger signals.

    Weight loss is not about giving up everything you enjoy. It is about finding the right structure that makes your body work better, not harder.

    Planning Healthy Meals for Weight Loss

    Creating healthy meals for weight loss is a lot more than just cutting calories. It is about building meals that nourish your body while supporting your weight goals. The goal is to provide enough energy to function well throughout the day while also staying within a calorie range that promotes fat loss.

    Here are some essential principles to keep in mind while planning meals:

    Know your baseline requirements: Your calorie needs depend on your current weight, height, age, activity level, and metabolic health. For weight loss, aim for a mild deficit of 500–750 calories per day. It is enough to support gradual fat loss without compromising your energy or health.

    1. Balance your micronutrients: A well-balanced meal includes lean protein (to support satiety and preserve muscle), fiber-rich carbs (to provide energy and promote digestion), and healthy fats (to support hormones and satiety).

    2. Prioritize nutrient-dense foods: The best weight-loss meals are low in calories but high in nutrients. These foods offer essential vitamins, minerals, and antioxidants while helping control hunger.

    3. Avoid highly processed options: Refined grains, packaged snacks, and sugary beverages often contain hidden calories and low nutritional value. Swapping processed foods with whole, minimally processed alternatives leads to more stable energy and fewer cravings.

    4. Keep preparation practical and enjoyable: Your meal plan will likely not last if it feels like a burden. Choose meals that suit your cooking skills and lifestyle. 

    5. Mind the timing: There is no universal best time to eat for weight loss, but consistency does matter. Try not to skip meals, especially breakfast, as this can lead to overeating later in the day. Eating at regular intervals helps stabilize energy and prevent impulsive snacking.

    All this is easily achievable by reaching out to your HealthifyMe coaches. They will be able to determine your caloric needs and guide you in choosing the foods you need to consume and in the manner in which you need to consume them.

    Nutritional Composition of Healthiest Meals for Losing Weight

    The healthiest meals for weight loss should include a thoughtful mix of macronutrients and micronutrients. The nutritional composition of such meals focuses on satiety, balanced energy release, and long-term metabolic health. Rather than focusing only on calorie counts, you should consider the type and quality of foods on your plate. The combination of fiber, protein, healthy fats, and whole carbohydrates promotes fullness, supports muscle preservation, and avoids blood sugar spikes that can lead to overeating.

    Here is what each key nutrient brings to the table:

    Non-starchy Vegetables

    These should form the largest portion of your plate, roughly 50%. They increase the volume on the plate without overloading calories and support digestion and gut health.

    Lean Proteins

    A palm-sized portion of lean protein (such as chicken breast, turkey, tofu, fish, or legumes) helps maintain muscle mass during weight loss. Protein is the most satiating macronutrient, which means it enables you to feel full longer and curbs cravings. It also plays a role in metabolic regulation.

    Whole Grains or Complex Carbohydrates

    Roughly 20–25% of your plate should include whole grains like brown rice, quinoa, or oats. These foods provide sustained energy, fiber, and essential nutrients, such as B vitamins and magnesium. Choosing whole grains over refined versions helps prevent insulin spikes and keeps hunger in check.

    Healthy Fats

    You should use healthy fats sparingly but intentionally. Avocados, olive oil, chia seeds, and nuts contain monounsaturated and polyunsaturated fats that support hormone production, brain health, and fat-soluble vitamin absorption. Including a small amount of healthy fat in each meal also improves satisfaction and flavor.

    Hydration and Fiber

    Meals that include water-dense foods (like cucumbers, tomatoes, or broth-based soups) and high-fiber ingredients (like lentils or flaxseed) help with digestion and fullness. Fiber slows digestion and moderates blood sugar, making it crucial in any weight loss plan.

    Portion Awareness

    A balanced plate typically follows the 50:25:25 rule. It means half vegetables, one-quarter protein, and one-quarter complex carbs. It ensures a steady energy supply, reduces the risk of overeating, and minimizes cravings between meals.

    Healthy Food Ideas for Weight Loss

    Below are 15 foods that are especially beneficial in a weight-loss meal plan. Each of these brings something unique to the table.

    Eggs

    Eggs are one of the most nutrient-dense and versatile foods available. They provide high-quality protein and healthy fats that keep you full for hours. Including eggs at breakfast can reduce mid-morning snacking. Studies show that egg-based meals improve satiety compared to carb-heavy alternatives. Plus, they are affordable and easy to prepare in multiple ways.

    Leafy Greens

    Spinach, kale, arugula, and Swiss chard are low in calories but packed with vitamins A, C, and K and folate. These greens are high in fiber and water, which promotes satiety and helps control calorie intake. They also pair well with lean proteins and healthy fats, which makes them an easy foundation for salads and stir-fries.

    Greek Yogurt

    Unlike regular yogurt, Greek yogurt is higher in protein, which aids in satiety and muscle preservation during weight loss. It also contains probiotics that support gut health. Choose plain, unsweetened varieties and pair them with fresh fruit or nuts for a balanced, high-protein snack or breakfast.

    Salmon and Fatty Fish

    Salmon, sardines, and mackerel are rich in omega-3 fatty acids and protein. That makes them excellent for weight loss. Omega-3s can reduce inflammation and improve metabolism. Fish is also very filling, which helps prevent overeating at subsequent meals. Grilled or baked fish can serve as the protein centerpiece in many balanced meals.

    Chia Seeds

    Chia seeds are a nutritional powerhouse. They absorb water to form a gel-like texture, expanding in the stomach and promoting fullness. High in fiber, protein, and omega-3s, they are easy to add to smoothies, yogurt, or oatmeal. Even a small serving supports gut health and helps curb hunger.

    Whole Grains

    Quinoa, oats, brown rice, and barley are fiber-rich and contain more protein than refined grains. Whole grains take longer to digest, which results in more stable blood sugar and prolonged satiety. Swapping white rice or bread with whole-grain alternatives is a simple way to support weight loss without drastic dietary changes.

    Avocados

    Avocados are calorie-dense, but their fiber and monounsaturated fats make them highly satiating. They help the body absorb fat-soluble vitamins and offer potassium and antioxidants. When eaten in moderation, avocados can enhance the flavor and nutrition of salads, toast, or grain bowls.

    Beans and Lentils

    Legumes are an excellent plant-based source of protein and fiber. They promote a steady energy release and reduce cravings by improving blood sugar control. You can add lentils and beans to soups, stews, salads, or grain dishes for a satisfying and nutrient-dense boost.

    Nuts

    Almonds, walnuts, pistachios, and cashews are rich in healthy fats, protein, and fiber. They are high in calories, so portion control matters. However, when you consume them mindfully, nuts support heart health and reduce hunger between meals. A small handful makes for an ideal snack.

    Cruciferous Vegetables

    Broccoli, cauliflower, cabbage, and Brussels sprouts are filling, low-calorie options with cancer-fighting properties. They offer a combination of fiber, water, and compounds like sulforaphane that promote metabolic health. These veggies work well roasted, steamed, or added to grain bowls.

    Fruits

    Berries, apples, oranges, and grapes provide natural sugars, fiber, and antioxidants. They help satisfy sweet cravings without adding refined sugar. Fruits also help regulate digestion and support hydration. Whole fruits (rather than juices) are always the better choice for weight loss meals.

    Tofu and Tempeh

    These soy-based protein sources are plant-based alternatives to meat and are rich in both protein and healthy fats. They absorb flavors well, making them versatile for stir-fries, curries, and salads. Including tofu or tempeh can help diversify meals while keeping them weight-loss friendly.

    Cottage Cheese

    Low-fat cottage cheese is rich in casein protein, which digests slowly and supports overnight satiety. It is also a good source of calcium and vitamin B12. You can eat cottage cheese in savory or sweet flavors. It can work well as a snack, breakfast, or ingredient in savory bowls.

    Sweet Potatoes

    Rich in fiber and complex carbohydrates, sweet potatoes are a more nutrient-dense alternative to white potatoes. They contain beta-carotene and potassium and are lower on the glycemic index. Baked or roasted sweet potatoes can round out a balanced meal without spiking blood sugar.

    Chicken Breast

    Lean chicken breasts are high in protein and low in fat, making them a great choice for weight loss. They are so versatile that they can be added to salads, curries, soups, or even just grilled and baked.

    Easy Healthy Meals for Weight Loss

    Losing weight is not about eating less; it is about eating smart. A well-structured meal plan tailored to your needs and preferences can fuel your body while creating a sustainable calorie deficit. Whether you are vegetarian, vegan, non-vegetarian, diabetic, heart-conscious, or navigating menopause, there are delicious, nutrient-packed meal options to support your weight loss goals. Below, we have curated practical meal ideas for different lifestyles, helping you stay full, energized, and on track.

    Vegetarian Meal Plan: Plant-Powered and Protein-Focused

    A vegetarian diet can be a great route to weight loss when built around whole foods. The focus should be on protein-rich legumes, dairy, whole grains, and plenty of vegetables. These foods help maintain satiety and ensure nutritional adequacy. Skipping processed meat substitutes and sticking with natural sources of protein like lentils, paneer, and yogurt makes the meal plan more balanced and effective.

    Sample Meal Plan

    Meal 1 (Breakfast)

    • Greek yogurt (unsweetened) with chia seeds, berries, and a drizzle of honey
    • 1 slice of sprouted whole grain toast with avocado
    • Herbal tea or warm lemon water

    Meal 2 (Mid-Morning Snack)

    • A small handful of almonds + 1 orange

    Meal 3 (Lunch)

    • Mixed vegetable stir-fry with paneer (grilled) over quinoa
    • Side: Cucumber & tomato salad with olive oil & lemon dressing

    Meal 4 (Afternoon Snack)

    • Cottage cheese with flaxseeds and a few apple slices

    Meal 5 (Dinner)

    • Lentil & spinach soup
    • Small baked sweet potato
    • Steamed broccoli and cauliflower tossed with olive oil

    Vegan Meal Plan: Whole Foods, Whole Nutrition

    Going vegan does not mean compromising on taste or nutrition. A well-balanced vegan plan includes legumes, nuts, seeds, whole grains, and a rainbow of vegetables. These ingredients offer fiber, antioxidants, and plant-based proteins. These are all essential for fat loss and hormonal balance. Including fortified foods or B12 supplements is also vital for nutritional completeness. This meal plan provides satiety, flavor, and function.

    Sample Meal Plan

    Meal 1 (Breakfast)

    • Overnight oats with unsweetened almond milk, chia seeds, walnuts, and blueberries
    • Green smoothie (spinach, cucumber, lime, flaxseed, and mint)

    Meal 2 (Mid-Morning Snack)

    • 1 banana + 1 tbsp peanut butter

    Meal 3 (Lunch)

    • Chickpea & kale salad with tahini dressing
    • Quinoa with roasted vegetables (zucchini, bell peppers, onions)

    Meal 4 (Afternoon Snack)

    • Edamame with sea salt + 1 mandarin

    Meal 5 (Dinner)

    • Stir-fried tofu with bok choy and mushrooms
    • Brown rice with sesame seeds
    • Side: Kimchi or sauerkraut (for gut health)

    Non-Vegetarian Meal Plan: Lean Protein with Whole Foods

    Non-vegetarian meal plans offer high bioavailable protein from sources like poultry, fish, and eggs. When paired with whole grains and vegetables, they form meals that help build lean muscle and burn fat more efficiently. Cooking methods like baking, grilling, or steaming preserve nutrients and reduce unnecessary calories. A healthy plan emphasizes quality over quantity to aid effective weight management.

    Sample Meal Plan

    Meal 1 (Breakfast)

    • 2 boiled eggs + sautéed spinach and mushrooms
    • 1 slice whole-grain toast
    • Black coffee or green tea

    Meal 2 (Mid-Morning Snack)

    • Greek yogurt with pumpkin seeds and a few strawberries

    Meal 3 (Lunch)

    • Grilled chicken breast
    • Steamed broccoli and carrots
    • ½ cup cooked brown rice or quinoa
    • Side: Mixed green salad with olive oil

    Meal 4 (Afternoon Snack)

    • 1 boiled egg + cucumber sticks

    Meal 5 (Dinner)

    • Baked salmon with garlic and lemon
    • Roasted Brussels sprouts and asparagus
    • Small baked sweet potato

    Diabetes-Friendly Meal Plan: Glycemic Control and Nutrition

    Weight loss can improve blood sugar control and insulin sensitivity for individuals managing diabetes. Your meal plan should emphasize fiber-rich, low-glycemic foods that stabilize blood sugar and promote satiety. Meals should avoid refined carbs and excess sugar, focusing on whole grains, legumes, vegetables, and healthy fats. Your meals should support slow and steady weight loss without blood sugar spikes.

    Sample Meal Plan

    Meal 1 (Breakfast)

    • Scrambled eggs with spinach and tomatoes
    • 1 slice whole-grain toast
    • Herbal tea

    Meal 2 (Mid-Morning Snack)

    Meal 3 (Lunch)

    • Grilled tofu or fish
    • Large salad (leafy greens, cucumbers, bell peppers) with olive oil
    • ½ cup cooked quinoa or lentils

    Meal 4 (Afternoon Snack)

    • Celery sticks with hummus

    Meal 5 (Dinner)

    • Zucchini noodles with lentil-tomato sauce
    • Roasted cauliflower
    • Small portion of brown rice (optional)

    Note: Emphasis on low-GI foods, protein, fiber, and avoiding blood sugar spikes.

    Menopause Meal Plan: Hormone-Supportive and Satiating

    Weight loss during menopause can be tricky due to hormonal shifts, reduced metabolic rate, and muscle loss. Your meal plan should include nutrient-dense foods like soy, legumes, dairy alternatives, and leafy greens rich in calcium, vitamin D, and magnesium to support bone and hormonal health. The meals aim to manage appetite, maintain lean mass, and promote gradual fat loss while reducing menopausal symptoms.

    Sample Meal Plan

    Meal 1 (Breakfast)

    • Chia seed pudding with unsweetened almond milk, flaxseed, and mixed berries
    • Herbal tea with turmeric and ginger

    Meal 2 (Mid-Morning Snack)

    Meal 3 (Lunch)

    • Tempeh and mixed vegetable stir-fry
    • ½ cup cooked farro or quinoa
    • Side: Steamed kale with sesame dressing

    Meal 4 (Afternoon Snack)

    • Fortified plant-based yogurt (calcium + B12) with walnuts

    Meal 5 (Dinner)

    • Lentil & vegetable stew
    • Side salad (arugula, avocado, cherry tomatoes)
    • Small serving of roasted sweet potato

    Note: Includes calcium, magnesium, and phytoestrogens (from soy and flax) for hormonal balance and bone support.

    HealthifyMe Note

    When it comes to weight loss, most people focus on cutting calories, eliminating carbs, or trying the latest fad. But the real game-changer lies in understanding how your meals affect your body and mind. As a nutritionist, I have seen time and again that the best results come not from extreme restrictions but from informed and enjoyable eating. The meals you choose should not only be nutrient-rich but should also work for you. Your schedule, your cravings, and your lifestyle are also important. Think of your plate as a toolkit: a balance of lean proteins, fiber, good fats, and color. And do not shy away from experimenting with spices, textures, or cultural staples. A little creativity can turn a “diet meal” into your favorite comfort food. Remember, fat loss is not about denial; it is about design. Design your meals with intention, and the results will follow.

    The Final Word

    Weight loss is not a one-size-fits-all journey, and your meals should reflect that. Whether you are managing your blood sugar, navigating menopause, or simply looking to shed a few pounds, healthy meals for weight loss are all about balance, nutrition, and satisfaction. From plant-based bowls to lean protein plates, the options are varied and delicious. With a bit of planning and awareness, even your busiest days can include fat-burning recipes for dinner or a healthy supper idea for weight loss.

    It is no secret that eating right goes beyond calories. HealthifyMe’s AI-powered Smart Plan does more than track. HealthifyMe’s Gen AI learns your body and adapts with you. With AI Coach Ria, you can explore over 10,000 weight-loss dinner recipes, personalized diet meals, and intelligent feedback on every bite. Whether you need healthy eating ideas to lose weight or support in building sustainable weight loss dinners, there is a path made just for you.

    Frequently Asked Questions (FAQs)

    Q: What are some healthy dinner ideas for weight loss that are filling?

    A: A filling dinner should combine lean protein, fiber-rich vegetables, and a moderate portion of whole grains or legumes. Options include grilled chicken with quinoa and roasted veggies, tofu stir-fry with brown rice, or lentil soup with a side salad. These meals support satiety and prevent nighttime cravings.

    Q: Can I eat carbs at night and still lose weight?

    A: Yes, you can. Weight loss is more about total daily calorie intake and food quality than meal timing. Choosing complex carbs like sweet potatoes, brown rice, or oats at night (especially paired with protein) can actually promote better sleep and muscle recovery, both of which support weight loss.

    Q: What are the best meals for weight loss fast?

    A: Quick weight loss should still be safe and sustainable. The best meals include boiled eggs with greens, fish with roasted vegetables, Greek yogurt with berries, or stir-fried tofu and broccoli. These are low in calories but high in protein and fiber to aid fat loss without extreme restriction.

    Q: How can I make dinner recipes for fat loss taste better without adding calories?

    A: Flavor your meals using herbs, spices, citrus juice, vinegar, and aromatics like garlic or ginger. Grilling, roasting, or air-frying brings out natural flavors without the need for added fats. Using low-calorie condiments like mustard or salsa can also enhance meals while keeping them light.

    Q: Are there good weight loss food ideas for people with limited time?

    A: Yes. Prepping meals in batches is key. You can make simple dishes like quinoa salad, egg muffins, overnight oats, or a turkey wrap in advance. Pair those with easy snacks like hummus, veggie sticks, or Greek yogurt. Quick, healthy dinners for weight loss are all about smart prep.

    Q: What should I avoid when choosing healthy supper ideas for weight loss?

    A: Avoid heavy sauces, deep-fried foods, and large portions of refined carbs. Watch out for hidden sugars in “low-fat” products. Instead, opt for dishes to lose weight that feature fresh produce, whole grains, and lean proteins. Keep portions reasonable, and avoid eating too close to bedtime.

    Research Sources

    1. Healthy Eating Plan

    2. Weight Loss and Maintenance Strategies

    3. Healthy Eating Plate – The Nutrition Source

    4. Energy Intake and Satiety Responses of Eggs for Breakfast in Overweight and Obese Adults—A Crossover Study

    5. The effects of the combination of egg and fiber on appetite, glycemic response, and food intake in normal-weight adults – a randomized, controlled, crossover trial

    6. Effects of thylakoid intake on appetite and weight loss: a systematic review

    7. Seafood intake and the development of obesity, insulin resistance, and type 2 diabetes

    8. Potato resistant starch inhibits diet-induced obesity by modifying the composition of intestinal microbiota and their metabolites in obese mice

    9. Slow Down: Behavioural and Physiological Effects of Reducing Eating Rate

    10. Are Dietary Proteins the Key to Successful Body Weight Management? A Systematic Review and Meta-Analysis of Studies Assessing Body Weight Outcomes after Interventions with Increased Dietary Protein

    11. Nuts as a Part of Dietary Strategy to Improve Metabolic Biomarkers: A Narrative Review

    12. Whole grain-rich diet reduces body weight and systemic low-grade inflammation without inducing major changes of the gut microbiome: a randomised cross-over trial

    13. Chia seeds (Salvia Hispanica L.) added to yogurt reduce short-term food intake and increase satiety: a randomised controlled trial

    14. Comparative effectiveness of plant-based diets for weight loss: A randomized controlled trial of five different diets

    15. Low-Calorie Vegetarian Versus Mediterranean Diets for Reducing Body Weight and Improving Cardiovascular Risk Profile: CARDIVEG Study (Cardiovascular Prevention With Vegetarian Diet)

    16. American Diabetes Association – Weight Loss

    17. A Clinician’s Guide to Healthy Eating for Cardiovascular Disease Prevention

    18. Changes in body composition and weight during the menopause transition

  • Triple-I Blog | Lightning-Related Homeowners ClaimsFell 16.5% in 2024

    Triple-I Blog | Lightning-Related Homeowners ClaimsFell 16.5% in 2024


    Triple-I Blog | Lightning-Related Homeowners ClaimsFell 16.5% in 2024

    By Loretta Worters, Vice President, Media Relations, Triple-I

    Lightning-related homeowners’ insurance claims totaled $1.04 billion in 2024, a 16.5 percent decrease from 2023, according to new data from the Insurance Information Institute and State Farm, the largest writer of homeowners’ insurance in the United States. The number of lightning-caused claims also fell significantly, dropping 21.5 percent, to 55,537, the lowest level recorded since before 2017.

    More than half of all claims came from the top 10 states, with Florida, Texas, and California leading the country in lightning-related property losses.

    “Fewer claims and a decline in severity indicate increased awareness and improved mitigation,” said Sean Kevelighan, CEO, Triple-I. “Nonetheless, lightning remains a significant threat to property and safety, particularly during storm season.”

    Key lightning claim stats for 2024

    • Total number of claims: 55,537 (down from 70,787 in 2023)
    • Total claims value: $1.04 billion (down from $1.24 billion)
    • National average cost per claim: $18,641
    • Highest state average: $38,558 in Texas

    Top three states by lightning losses

    • Florida – 4,780 claims, $113M in damages
    • Texas – 4,369 claims, $168M in damages
    • California – 4,005 claims, $75M in damages

    “Lightning remains a costly and unpredictable threat, with ground surges causing nearly half of all claims,” said Michal Brower of State Farm. “These events can cause extensive damage to electrical systems, appliances, and even structural issues. The damage underscores the critical need for homeowners to be aware of the risks, invest in protective measures, and stay prepared, especially in high-risk regions where lightning strikes are most frequent and damaging.”

    Lightning strikes can cause more than just a power outage. Common impacts include:

    • Fires in attics, roofs, or walls
    • Power surges that destroy electronics and appliances
    • Structural damage
    • Injury or even death

    How to Stay Protected

    Homeowners can protect their families and property by following a few guidelines:

    • Install whole-home surge protection and unplug devices during storms;
    • Consider a certified lightning protection system;
    • Check your homeowners’ insurance policy for lightning and surge-related coverage; and
    • Stay indoors and avoid wired devices during thunderstorms.

    Damage caused by lightning, such as fire, is covered by standard homeowners’ insurance policies.  Some policies provide coverage for power surges that are the direct result of a lightning strike. 

    The Lightning Protection Institute (LPI) notes that lightning strikes can occur at an astonishing rate of 100 times per second.

    “Whether it’s a family home or a mission-critical facility, no property is immune to lightning,” said Tim Harger, Executive Director at LPI, whose organization provides resources for the design, installation, and inspection of lightning protection systems. “The most effective time to prevent lightning damage is before a storm. A lightning risk assessment paired with a professionally installed protection system can make all the difference in keeping people safe and operations uninterrupted.”

    While lightning-related claims may be down, the risk is still very real, especially in high-strike areas like Florida, Texas, and California. Taking preventive steps now can reduce exposure to costly damage later.

    Learn More:

    Lightning Protection Institute

    The Importance of Protecting Critical Facilities From Lightning Strikes

    Lightning: Quantifying a Complex, Costly Peril to Support Resilience

    Beyond Fire: Triple-I Interview Unravels Lightning-Risk Complexity

  • What Is Step Up SIP? Meaning, Benefits & How It Works

    What Is Step Up SIP? Meaning, Benefits & How It Works


    “If your salary grows every year, why shouldn’t your investments?” That’s the logic behind a Step Up SIP—a smarter, more dynamic version of the traditional Systematic Investment Plan. In today’s ever-evolving financial world, staying stagnant with your investments could mean falling short of your goals. 

    A step up SIP helps bridge that gap by letting you increase your SIP amount at regular intervals, keeping pace with your income growth. Whether you’re planning for your dream home, your child’s education, or early retirement, this flexible strategy can fast-track your wealth creation journey. 

    In this blog, we’ll explore everything you need to know about step up SIPs—how they work, why they matter, and how tools like the best SIP planner and a systematic investment planner can help you invest smarter, not just harder.

    What Is Step Up SIP?

    A Step Up SIP, also known as a Top-Up SIP, is a variation of the regular SIP where you increase your SIP amount at fixed intervals—usually annually. Instead of investing a fixed amount every month throughout the investment tenure, a step up SIP lets you gradually increase the contribution in line with your income growth.

    For instance, if you start a SIP with ₹5,000 per month and opt for a 10% step up every year, your monthly SIP will increase to ₹5,500 in the second year, ₹6,050 in the third, and so on.

    Why Choose Step Up SIP Over Regular SIP?

    Most salaried individuals or business professionals see their income increase over time. A regular SIP fails to leverage this rising income potential. By stepping up your investment amount, you can significantly increase your wealth without impacting your lifestyle.

    Let’s say you stick to a flat ₹5,000 SIP for 15 years at an average return of 12% annually. You’ll accumulate about ₹25 lakh. But with a 10% step up each year, the corpus grows to approximately ₹40 lakh. That’s the power of compounding paired with step-up contributions.

    How Does Step Up SIP Work?

    A Step Up SIP (Systematic Investment Plan) is a smart way to ensure your investments grow along with your income. It allows you to increase your SIP amount periodically, helping you accumulate more wealth over time—without any major lifestyle changes. Here’s how it works:

    1. Start with a Base SIP Amount
      Begin by selecting a fixed amount you’re comfortable investing every month—say ₹5,000. This becomes your base SIP amount.
    2. Set the Step Up Frequency
      Decide how often you want to increase this investment. Most investors choose an annual frequency, but some prefer half-yearly depending on salary hikes or financial goals.
    3. Choose the Step Up Amount or Percentage
      You can opt for:
      • A fixed increase every year (e.g., ₹500 annually), or
      • A percentage-based increase (e.g., 10% every year on the existing SIP amount).

    This flexibility makes the Step Up SIP ideal for long-term planning.

    1. Automated Adjustments
      Once you’ve set your Step Up SIP instructions with your fund house or distributor, the increase takes place automatically on the selected date. There’s no need for manual updates every year—just set it and let it grow!
    2. Track with a SIP Planner
      To understand how much wealth your Step Up SIP can help you build, use a SIP planner. Fincart’s best SIP planner tool allows you to simulate different scenarios—compare a regular SIP vs a Step Up SIP—and plan your investments more strategically for long-term goals like buying a house, planning for children’s education, or retirement.

    Benefits of Step Up SIP

    1. Aligns Investments with Income Growth

    Most people see annual increments in their salaries or business earnings. This type of SIP ensures that your investments grow proportionally without feeling the pinch.

    2. Boosts Long-Term Wealth Creation

    With every increase in SIP, the compounding effect magnifies. Even small annual hikes in SIP contributions can lead to a significantly larger corpus over time.

    3. Disciplined Investing

    Just like regular SIPs, step up SIPs inculcate investment discipline. But they go a step further by keeping your financial commitments progressive.

    4. Goal-Oriented Planning

    Whether it’s your child’s education, retirement, or a dream home, a step up SIP is ideal for goal-based financial planning with evolving contributions.

    5. No Need for Manual Changes

    Once set, the system takes care of the step-ups. It’s a hands-off approach that still responds to your growing income.

    Who Should Opt for Step Up SIP?

    A Step Up SIP is not just a smart investment tool—it’s a strategy built for those who expect growth, both in life and income. It works best for people who are ready to align their investments with their evolving financial journey.

    You should definitely consider a Step Up SIP if you’re:

    • A young professional expecting steady salary increments in the coming years and want your investments to keep pace with your earnings.
    • A business owner or freelancer whose income is expected to grow over time, making it easier to gradually increase your investment without feeling the pinch.
    • An investor starting small but aiming for big financial goals—this allows you to begin at a comfortable level and scale up as your confidence and income grow.
    • Planning for long-term goals like retirement, your child’s higher education, or buying a house—goals that need disciplined and increasing contributions over time.

    In short, if you believe in growing your wealth steadily and sustainably, a Step Up SIP gives you the flexibility and structure to do just that—without overburdening your present.

    Example: Step Up SIP Calculation

    Let’s illustrate with a practical example.

    • Initial SIP: ₹10,000/month
    • Step Up: 10% annually
    • Investment Duration: 15 years
    • Expected Annual Return: 12%

    Without Step Up SIP:
    Final Corpus ≈ ₹50 lakh

    With 10% Step Up SIP:
    Final Corpus ≈ ₹82 lakh

    This simple tweak in investment strategy leads to an additional ₹32 lakh in wealth without starting with a higher amount!

    Step Up SIP vs Regular SIP: Quick Comparison

    Feature Regular SIP Step Up SIP
    Investment Amount Fixed Increases periodically
    Ideal For Conservative investors Growth-oriented investors
    Wealth Accumulation Moderate Higher over the long term
    Flexibility Low High
    Goal Alignment Partial Better aligned with goals

    How to Start a Step Up SIP?

    Getting started with a Step Up SIP is simple and strategic. Here’s how you can begin:

    1. Choose the Right Mutual Fund Scheme
    Start by identifying a mutual fund that aligns with your risk appetite and long-term financial goals. Whether it’s an equity fund for aggressive growth or a hybrid fund for balanced returns, the right choice sets the foundation.

    2. Use a Systematic Investment Planner
    Platforms like Fincart make the process easier by offering guided investment planning. Their tools help you compare mutual fund schemes, assess your profile, and set up a Step Up SIP without any hassle.

    3. Decide How You Want to Step Up
    You can customize your SIP increase based on your preferences:

    • Fixed Increment: Step up your SIP by a fixed amount—say ₹1,000 every year.
    • Percentage-Based Increment: Alternatively, you can opt for an annual increase by a specific percentage—like 10%—which aligns well with salary hikes or business growth.

    4. Monitor & Adjust as Needed
    As your income and goals evolve, so should your investments. Fincart’s dashboard allows you to track performance and adjust your SIP strategy accordingly—ensuring your plan stays relevant and effective.

    Starting a Step Up SIP isn’t just about investing—it’s about growing with purpose.

    How Fincart Helps You Get the Best Out of Step Up SIPs

    At Fincart, we understand that every investor has unique goals, income levels, and risk appetite. Our expert advisors and smart digital tools work together to:

    • Customize your step up SIP strategy
    • Recommend the best SIP planner tools for your goals
    • Optimize asset allocation using our systematic investment planner
    • Provide regular insights to fine-tune your investments over time

    With our guidance, you’re not just investing—you’re investing wisely.

    Common Mistakes to Avoid in Step Up SIPs

    Even though step up SIPs are straightforward, here are a few things to watch out for:

    1. Overestimating Future Income

    Don’t commit to increases you can’t sustain. Be realistic about your expected salary hikes or business growth.

    2. Ignoring Fund Performance

    Step up SIPs still depend on the quality of the mutual fund you choose. Monitor fund performance periodically and make changes when necessary.

    3. Delaying Investment

    Waiting for a “better time” often results in missed opportunities. Start now, even if it’s small—step up SIPs are designed to grow with you.

    Final Thoughts

    A Step Up SIP is more than just an investment tool—it’s a strategic, scalable approach to wealth creation. In a world where your expenses and income rise every year, your investments should too. Whether you’re starting small or looking to boost your financial discipline, this progressive investment model ensures you build a corpus that truly reflects your financial aspirations.

    With expert guidance from Fincart’s wealth advisors, you can craft a smart, future-ready investment strategy using step up SIPs—customized to your lifestyle, goals, and income growth.

    Author Avatar Prashant Gaur



  • Sometimes You Have to Side-Step to Move Forward

    Sometimes You Have to Side-Step to Move Forward


    Sometimes You Have to Side-Step to Move Forward

    March 30, 2021 –

    Sometimes you have to side-step in order to move forward.

    Read that again.

    Sometimes You Have to Side-Step to Move Forward

    I was on the phone the other day with my brother from another mother, @sambrownstrength, & we were chatting about the last year, trusting the process with my training, & my client’s journeys as well.

    He said, ya know, sometimes you have to side-step in order to move forward.

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    How often in life do we have a plan, but life throws a step off to the side that you have to walk on before you can continue forward.

    It happens in so many areas of our every day but especially in a fitness journey.

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    Trust me, last year when I went from deadlifts to only bird dogs & bridges, I was frustrated. 

    I can do more but my body didn’t need more, it needed different. It needed a side-step & a refocus so that I didn’t keep making myself feel worse.

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    I had to strengthen the small things on that side-step in order to move forward.

    At the time, being so frustrated that I had to side step, but now knowing that I went through that to grow from not only for myself, but for my clients.

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    We all have different experiences yet many are the same.

    My side step may look different than yours, but it’s there for the purpose of growing & learning if we let it.

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    Once you take on the side step, see what’s it’s there for. Often times the frustration takes over, but look through that feeling to see what the lesson may be.

    A year later, I’m so glad I took that side-step. 

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    It led me to therapy which led me to building a team around me to help my journey forward. 

    That side-step led me to a better relationship with myself.

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    It helped me take a step outside of myself & see the areas I needed to address with myself so I could show up for others even better.

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    Sometimes we feel that we need to do everything alone in order to move forward, but reaching out for help only led me in a stronger direction than where I could’ve been by myself.

    Trust the side-step.

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    Always a shout out to my friends at adidas, who I’m so thankful to be an Ambassador for, for these beautiful spring looks that make getting outside THAT much easier!

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    Getting outside will do WONDERS for our mental state, especially during that time that I was going through last year, being outside was such an important part of my journey.

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    Pictures by my girl Mikayla.