Author: blogs2025

  • Benefits of Retirement Planning In India

    Benefits of Retirement Planning In India


    Retirement may feel like a distant concern, especially when you’re focused on building your career or managing daily expenses. But without a proper plan, the future can become financially uncertain—particularly in India, where most private-sector employees lack pension coverage and government-backed social security is limited. 

    Rising healthcare costs, inflation, and longer life expectancy make it critical to secure your post-retirement years through disciplined saving and smart investments. Retirement planning isn’t just about saving money—it’s about ensuring independence, comfort, and peace of mind in your later years.

    This article explores the key benefits of retirement planning, particularly for Indian earners across all income levels.

    What Is Retirement Planning?

    Retirement planning is the process of setting financial goals, saving, and investing to ensure a steady flow of income post-retirement. It involves estimating your future expenses, choosing the right investment tools, and accounting for inflation, healthcare, and lifestyle needs.

    A solid plan ensures that you don’t outlive your savings and can maintain financial independence in your golden years.

    Why Is Retirement Planning Crucial in India?

    Unlike some developed countries, India doesn’t offer universal social security. While government employees have pensions and Provident Funds, the private sector lacks such extensive support. Rising healthcare costs, increased life expectancy, and the nuclear family structure further stress the need for retirement planning.

    That’s where understanding the benefits of retirement planning becomes essential.

    Top 10 Benefits of Retirement Planning

    1. Financial Independence After Retirement

    One of the most significant benefits of retirement planning is ensuring financial independence. With proper planning, you won’t have to rely on children or relatives to support you in old age.

    Key Tip: Start saving at least 10–15% of your monthly income in a structured investment product like EPF, NPS, or mutual funds.

    2. Power of Compounding

    When you begin early, your savings have more time to grow through the power of compounding. Even small contributions can turn into substantial wealth over time.

    Example: ₹5,000 invested monthly at 10% annual return for 30 years = ₹1.13 crore.

    3. Beating Inflation

    Inflation erodes the value of money over time. What costs ₹50,000 a month today might cost ₹2 lakh per month 30 years later. A proper retirement plan includes inflation-adjusted savings goals and helps maintain your purchasing power.

    4. Covers Healthcare and Emergency Costs

    Medical expenses increase as you age. Health insurance alone may not be enough. A retirement corpus provides a cushion to handle hospitalizations, surgeries, or long-term care.

    Bullet Benefits:

    • No dependence on credit or loans
    • Peace of mind during medical emergencies
    • Provision for long-term treatments

    5. Enables Early Retirement Goals

    If you dream of retiring at 50 instead of 60, retirement planning makes it possible. With disciplined savings and investing, you can accumulate enough wealth to take early retirement and pursue your passions.

    6. Tax Savings and Efficient Investment Choices

    Several retirement plan services offer tax benefits under Sections 80C, 80CCD, and 80D. Investments in NPS, PPF, and pension plans not only build your corpus but also reduce your tax liability.

    Tax-Saving Instruments:

    • NPS: Deduction up to ₹2 lakh (80C + 80CCD(1B))
    • PPF: Tax-free maturity under Section 10(11)
    • Senior Citizens Savings Scheme (SCSS): Safe investment with tax benefits

    7. Access to Diversified Investment Options

    With time on your side, you can explore a mix of high-risk and low-risk investments. Early retirement planning allows you to include:

    • Equity mutual funds (for growth)
    • Debt funds and PPF (for safety)
    • Retirement-focused ULIPs
    • Annuity plans for regular income

    8. Customized Planning for Private Sector Employees

    Private sector employees don’t enjoy post-retirement pensions like government workers. A retirement plan helps:

    • Replace your salary with passive income
    • Choose investment avenues aligned with your risk profile
    • Ensure consistent monthly payouts post-retirement

    9. Reduced Burden on Family

    Another underrated benefit of retirement planning is reduced stress on your loved ones. By ensuring you’re financially secure, you won’t need to depend on children for your day-to-day needs or emergencies.

    10. Helps You Build a Legacy

    Once your retirement needs are taken care of, your surplus wealth can be passed on to your children or donated to a cause. Estate and will planning can be integrated into your retirement plan to ensure a smooth wealth transition.

    Psychological and Lifestyle Benefits of Retirement Planning

    While the financial side of retirement planning is crucial, its emotional and lifestyle benefits are equally valuable. A well-structured retirement plan not only secures your future but also enhances your overall quality of life.

    Planning early helps reduce the constant worry about “what happens next?”—a concern that intensifies as one nears retirement. When you’re financially prepared, you’re mentally at ease, and this peace of mind directly impacts your physical and emotional well-being.

    Here are some often-overlooked lifestyle and psychological advantages:

    • Reduced Mental Stress: Knowing you have a financial cushion allows you to face retirement with confidence, minimizing anxiety related to money or medical emergencies.
    • Better Relationships: Financial readiness reduces the chances of dependency-related stress between spouses, children, and extended family. It encourages honest discussions and shared goals within the family.
    • Clearer Life Goals: Retirement planning encourages you to think beyond work—what passions or hobbies do you want to pursue? What dreams have you delayed?
    • Flexible Living Choices: Whether it’s relocating to a quieter town, downsizing, or travelling during off-seasons, a healthy corpus lets you make lifestyle decisions on your own terms.
    • Sense of Purpose: A well-funded retirement allows you to engage in purposeful activities like volunteering, mentoring, or community work—bringing a renewed sense of fulfillment.

    In essence, the benefits of retirement planning stretch beyond money management. They create a foundation for a balanced, satisfying life—free from daily financial worries and rich in opportunity for growth, connection, and contentment. As you plan for your golden years, remember: peace of mind is just as important as wealth.

    How to Choose the Right Retirement Plan in India

    Picking the right plan depends on your age, risk appetite, income, and long-term goals. Here are some guiding steps:

    ➤ Know Your Future Needs

    Estimate monthly expenses post-retirement, healthcare costs, lifestyle choices, and inflation.

    ➤ Define the Retirement Age

    Your investment horizon matters. The earlier you start, the smaller your monthly investment needs to be.

    ➤ Identify Income Sources

    Pensions, rental income, dividends, or annuities—know what inflows you’ll have.

    ➤ Choose the Right Instruments

    Use a mix of equity, debt, and government schemes for balance and stability.

    ➤ Seek Professional Guidance

    Reputable retirement plan services can help create a custom roadmap aligned with your goals.

    Popular Retirement Planning Instruments in India

    Investment Option Risk Returns Tax Benefit
    NPS Moderate 8–10% Yes
    EPF Low ~8% Yes
    PPF Low ~7.1% Yes
    Mutual Funds (SIP) High 10–12% No
    SCSS Low 8.2% Yes
    Annuity Plans Low 5–6% Yes

    Why Use Retirement Plan Services?

    Retirement plan services can:

    • Help assess your risk profile
    • Create personalized savings strategies
    • Provide tax-optimized investment options
    • Monitor your portfolio and suggest changes
    • Keep your plan aligned with life changes

    When Should You Start Retirement Planning?

    The best time? As soon as you start earning.

    • If you’re in your 20s: Start small, but start now.
    • If you’re in your 30s or 40s: It’s not too late—opt for aggressive investing.
    • If you’re nearing retirement: Focus on safety, stability, and annuity-based income.

    Mistakes to Avoid in Retirement Planning

    • Delaying the start
    • Underestimating inflation
    • Ignoring healthcare expenses
    • Putting all money in one investment
    • Not reviewing your portfolio periodically

    Summary: Securing Your Golden Years

    Understanding the benefits of retirement planning can transform the way you manage your financial future. From gaining financial independence to building a legacy, the advantages are multifold. 

    Given India’s rising cost of living, changing family structures, and limited social security, being prepared is not just wise—it’s essential.

    Start your retirement journey today with the right plan, strategic investments, and professional advice. Because the sooner you start, the stronger your financial future becomes.

    FAQs: Benefits of Retirement Planning

    Q1. What are the key benefits of retirement planning?

    Ans: The key benefits of retirement planning include financial security, beating inflation, tax savings, medical coverage, and ensuring a stress-free life after retirement.

    Q2. What retirement plan services are available in India?

    Ans: Retirement plan services include personalized retirement advisory, NPS investment help, mutual fund SIP planning, annuity planning, insurance selection, and tax-saving strategies.

    Q3. Is it too late to start planning at 40?

    Ans: Not at all. While earlier is better, starting at 40 gives you enough time to build a solid retirement fund with focused investments.

    Q4. How much money do I need for retirement in India?

    Ans: Ideally, you should have a corpus equal to 25–30 times your annual expenses at the time of retirement.

    Q5. Are retirement planning services worth it?

    Ans: Yes, they help optimize your savings, reduce tax liabilities, and ensure you reach your retirement goals without unnecessary risk.



  • Meals, Workouts & Coach Tips

    Meals, Workouts & Coach Tips


    Over the past year, GLP-1 medications have emerged as one of the most talked-about tools in weight management. These prescription drugs [such as Semaglutide (Ozempic, Wegovy) and Tirzepatide (Mounjaro, Zepbound)] are transforming the approach to obesity and type 2 diabetes. As more people begin their journey with these medications, one common question remains: “What does a typical week look like while on GLP-1?”

    The first few days can feel like entering unfamiliar territory. From changes in appetite to adjusting to smaller meals, from experiencing mild side effects to building new habits, there is much to process. Add to this the importance of maintaining muscle mass, balancing blood sugar levels, and dealing with fatigue, and it becomes clear why guided, well-structured support makes a difference.

    GLP-1 alone is not the answer. It is a starting point. For real, long-term change, a thoughtful routine that includes personalized meals, intentional workouts, and expert support becomes critical. A week on GLP-1, when planned well, can be the foundation for a life-changing transformation. And that is precisely what this article aims to help you with.

    Understanding GLP-1 and Its Mechanism

    GLP-1 stands for Glucagon-Like Peptide-1, a naturally occurring hormone that plays a critical role in regulating blood sugar levels and appetite. When GLP-1 medications are introduced into the body, they amplify the effects of this hormone, leading to slower digestion, reduced appetite, and more controlled insulin secretion. As a result, users tend to feel full sooner, crave less, and stabilize their blood glucose.

    Popular GLP-1 medications include Semaglutide (Ozempic, Wegovy), Tirzepatide (Mounjaro, Zepbound), Liraglutide (Saxenda), and Dulaglutide (Trulicity). Though initially approved to manage type 2 diabetes, many are now prescribed off-label or through obesity treatment plans due to their noticeable impact on body weight and metabolism.

    However, it is important to note that these medications are powerful tools, but they are not miracle drugs. Their success depends heavily on the routines they are paired with, especially food habits, exercise, and expert guidance.

    What to Expect in Your First Week on GLP-1

    The first seven days are all about adaptation. Your body starts responding to signals it is not used to. Most users report a noticeable reduction in appetite within 48 hours. The feeling of fullness after a few bites becomes more frequent. You might feel nauseous or bloated, and even minor fatigue is common.

    Other side effects include:

    • Mild constipation or diarrhea
    • Food aversions (particularly to high-fat meals)
    • A metallic taste in the mouth
    • Slight dizziness or headaches (due to reduced food intake or hydration)

    These effects are usually short-lived and manageable with small lifestyle changes, such as:

    • Eating slowly and chewing thoroughly
    • Choosing lighter, protein-rich meals
    • Staying hydrated with plain water or infused herbal teas

    By Day 5 or 6, many people begin noticing a new rhythm and a new connection with their body. Hunger cues shift. Energy may begin to normalize. And mentally, users start thinking differently about food.

    Why GLP-1 Alone is Not Enough

    GLP-1 medications have proven to be powerful tools in promoting weight loss and improving metabolic health. However, relying solely on the medication, without changes in nutrition, physical activity, and behavioral habits, may lead to suboptimal outcomes or even setbacks. Let us understand why.

    1. First, GLP-1 medications suppress appetite and slow gastric emptying. However, if an individual does not intentionally consume nutrient-dense meals with adequate protein, fiber, and healthy fats, their body may become deficient in essential vitamins and minerals. Over time, this can lead to fatigue, weakness, hair loss, or even compromised immunity. 
    2. Second, GLP-1-induced weight loss, when unsupported by resistance training or protein intake, can lead to muscle loss. Muscles are metabolically active tissues; losing them can lower one’s basal metabolic rate, making it harder to sustain weight loss.  
    3. Third, without balanced eating, people may experience erratic blood sugar levels, especially those with diabetes, which can lead to energy crashes or sugar cravings. 
    4. Finally, relying only on medication without learning sustainable behavior change may cause people to revert to unhealthy patterns once they stop the drug.

    The Role of a Coach

    Without incorporating exercise and a structured diet plan, there is a high risk of losing lean muscle mass along with fat. Research suggests that combining resistance training with GLP-1 can significantly reduce the percentage of muscle loss during weight reduction. Additionally, nutrient-dense meals help prevent energy dips, which are common when calorie intake drops. This is where expert support comes in. A coach or expert nutritionist can:

    • Help you meet your protein and fiber goals through a balanced diet to preserve lean mass.
    • Create an exercise plan that focuses on strength, stamina, and metabolic efficiency.
    • Guide you through side effects and how to respond to them with practical solutions.
    • Offer ongoing behavioral counseling to instill habits around mindful eating, portion control, and emotional triggers.
    • Keep you accountable through weekly progress checks and structured goal-setting.

    With expert guidance, GLP-1 becomes a foundation, not a finish line, in your long-term health journey.

    Sample Meal Plan: What to Eat During Week 1

    The first week on GLP-1 medication is a lot more than appetite reduction. It is about nourishing your body to work with the medication, not against it. Since GLP-1 slows digestion and curbs hunger, the goal of your meals is to be nutritionally dense yet light on the stomach. This is a pivotal time to establish habits that prioritize protein, fiber, and hydration.

    Guiding Principles

    This meal plan has three goals: maintaining energy levels, preventing muscle loss, and managing early side effects like nausea or bloating. Each day’s menu includes high-protein, moderate-fibre meals spaced evenly to support digestion. Small meals work better than heavy ones, and hydration is key throughout the day. These meals are not restrictive; they are strategic.

    Day 1

    This day prioritizes ease of digestion. Breakfast and snacks offer protein, complex carbs, and hydration. Lunch is comforting and easy on the gut. Dinner includes pan-seared tofu with sautéed spinach. The aim is to allow the body to adjust to the GLP-1 while still getting adequate nourishment.

    • Breakfast: Greek yogurt with chia seeds, strawberries, and 6 almonds
    • Snack: Boiled egg + 1 cucumber stick
    • Lunch: Grilled chicken salad with leafy greens, chickpeas, and olive oil dressing
    • Snack: Cottage cheese with sliced mango
    • Dinner: Pan-seared tofu with sautéed spinach and a small quinoa bowl

    Day 2

    With slight adaptation, today’s meals include more texture. Breakfast is overnight oats with skim milk, walnuts, and berries, which provide soluble fiber and antioxidants. Lunch is light yet protein-packed. Dinner includes soothing and rich-in-nutrient dishes.

    • Breakfast: Oats with skim milk, walnuts, and blueberries
    • Snack: Half a pear + protein shake
    • Lunch: Moong dal + brown rice + sautéed bhindi (okra)
    • Snack: Roasted chana (30g)
    • Dinner: Steamed fish + mixed vegetable stir-fry

    Day 3

    Today, we increased our protein intake with eggs. Lunch includes more protein with healthy carbs. These options provide comfort and balance while reinforcing gut health.

    • Breakfast: Egg white omelet with bell peppers, onions, and mushrooms
    • Snack: Apple slices + peanut butter (1 tsp)
    • Lunch: Rajma curry + multigrain roti + salad
    • Snack: Greek yogurt + flaxseeds
    • Dinner: Tofu & vegetable soup + half portion of whole wheat noodles

    Day 4

    As the body adjusts, this day includes a smoothie bowl to satiate you in the morning. Lunch is a grilled paneer bowl with red rice and enough veggies, and dinner is a light meal with millet bread. This plan supports digestion and gives you a break from heavy textures.

    • Breakfast: Smoothie bowl (spinach, banana, chia, protein powder)
    • Snack: A handful of pistachios
    • Lunch: Grilled paneer bowl with red rice, sautéed capsicum, corn, and mint chutney
    • Snack: 1 boiled egg + tomato slices
    • Dinner: Mushroom curry + millet roti + cucumber raita

    Day 5–7

    Continue rotating meals with variety. Try palak tofu, sambar with millet dosa, fish curry with brown rice, or quinoa khichdi with mixed vegetables.

    Important tips:

    • Stay hydrated: Sipping water throughout the day helps counter nausea and bloating.
    • Chew slowly: This helps your brain catch up with satiety cues, which is important as GLP-1 slows gastric emptying.
    • Avoid sugary and greasy foods: They can trigger digestive discomfort.
    • Include protein in every meal: It preserves muscle and helps you feel full longer.

    Exercise Guide: Weekly Movement Plan

    Physical activity plays a vital role in GLP-1-assisted weight loss. While the medication works on the metabolic side (appetite suppression and blood sugar regulation), exercise protects muscle mass, improves insulin sensitivity, and enhances fat loss. In fact, research shows that pairing strength training with GLP-1 significantly reduces muscle mass loss. Let us now break down a 7-day beginner-friendly plan.

    Day 1: Gentle Start – Brisk Walk for 30 Minutes

    The idea today is to introduce movement without taxing the body. A brisk walk helps boost circulation, wake up the metabolism, and set the tone for a week of momentum. Walking also promotes digestion.

    Day 2: Resistance Training – Lower Body (30 Minutes)

    Focus on bodyweight squats, glute bridges, lunges, and step-ups. This strengthens large muscle groups and improves insulin sensitivity. It also helps counteract early muscle loss.

    Day 3: Active Recovery – Stretching and Mobility (20 Minutes)

    Yoga or guided stretching is recommended. This allows muscles to recover while promoting blood flow. It also helps with bloating and posture.

    Day 4: Cardio Intervals – 20 Minutes of Alternating Jog-Walk or Cycling

    Introduce light intervals. This elevates heart rate, burns calories, and enhances cardiovascular fitness without overwhelming your system.

    Day 5: Resistance Training – Upper Body (30 Minutes)

    Exercises include push-ups (inclined or on knees), dumbbell rows, shoulder presses, and bicep curls. Strengthens arms, back, and core muscles while improving metabolic health.

    Day 6: Low-Intensity Steady-State (LISS) – 40-Min Walk or Swimming

    LISS helps burn fat while allowing for recovery. It’s effective for weight management and easy on the joints.

    Day 7: Full Body Circuit (30 Minutes)

    Combine squats, push-ups, mountain climbers, and planks. Circuit training boosts heart rate and offers a combination of strength and cardio.

    Why Coaching Makes a Difference

    Having a certified coach while on GLP-1 is strategic guidance. A coach knows when to tweak your calories, when to push your workouts, and how to personalize your plan. They help prevent pitfalls and optimize every step of your journey.

    Coaches help build accountability, structure check-ins, and emotionally support you during plateaus or side effects. For many, a coach becomes a sounding board and helps interpret your body’s responses, whether it is appetite, fatigue, or digestion.

    Lastly, coaching offers perspective. It prevents extreme choices, reminds you of long-term goals, and helps you stay consistent even when motivation dips. GLP-1 paired with coaching is about building a sustainable life rhythm.

    HealthifyMe Note

    As a health coach working with dozens of individuals on GLP-1 plans, I often tell clients that medication may start the journey, but it is your effort that takes it forward. Your first week is not about chasing the scale. It is about building trust with your body again. Eat to nourish, move to build strength, and listen to how your system reacts. Small meals, light workouts, and guided changes are the foundations. You are not alone in this. Let our coaches, nutritionists, and trainers walk with you step-by-step. Your success is not in doing it perfectly, but in doing it mindfully. Remember, GLP1 is not a magic pill. A balanced diet and exercise program is the key to sustainable weight loss and overall fitness.

    The Final Word

    One week might seem too short to call a transformation, but it is often enough to notice the shift. With GLP-1, your appetite decreases, but your need for structure increases. This first week is your test lab. How your body responds, how your emotions shift, how your habits settle, it all begins here.

    Do not rush it. Stay with the process. Think less about weight and more about health. Pair your prescription with movement. Pair your new appetite with mindful eating. And most importantly, stay connected with your own body, your coach, and your goals.

    At HealthifyMe, the GLP-1 + Coach Plan is built for this. We combine expert nutrition, custom workouts, and clinical oversight to make this journey more informed and less overwhelming. GLP-1 with HealthifyMe is not just medication; it is a transformation with intention.

    Frequently Asked Questions (FAQs)

    Q: What is GLP-1, and why is it used for weight loss?

    A: GLP-1 (Glucagon-Like Peptide-1) is a hormone that regulates insulin and appetite. GLP-1 medications mimic this hormone to slow digestion, reduce hunger, and support controlled weight loss. They are prescribed for type 2 diabetes and obesity management.

    Q: What should I eat in the first week of GLP-1 medication?

    A: You should eat small, frequent meals that are high in protein and fiber. Think boiled eggs, moong dal chilla, oats with chia seeds, or dalia with vegetables. These foods are gentle on digestion, support satiety, and help counter early side effects like nausea.

    Q: Can I exercise during my first week on GLP-1?

    A: Yes, but start gradually. Brisk walks, light stretching, or low-impact strength training are ideal. Avoid strenuous workouts in the first few days as your body is adjusting. Movement helps preserve muscle and boosts mood.

    Q: What are the common side effects I might face?

    A: Nausea, bloating, or fatigue are common but usually mild. These happen because GLP-1 slows digestion. Staying hydrated, eating slowly, and avoiding greasy foods can help ease symptoms.

    Q: How can I manage nausea while on GLP-1?

    A: Nausea can be managed by choosing light, protein-rich meals and sipping water throughout the day. Avoiding high-sugar or spicy foods also helps. Ginger tea and peppermint can soothe the stomach.

    Q: Do I need to follow a special diet?

    A: Not necessarily, but your meals should prioritize protein, fiber, and balanced carbs. Avoid large meals. Small, well-planned meals make the medicine more effective and reduce side effects.

    Q: Will I lose muscle while on GLP-1?

    A: You may, especially if your diet lacks protein or if you are not exercising. To preserve muscle, consume at least 100g of protein a day and include resistance workouts twice a week.

    Q: How much water should I drink?

    A: Aim for at least 2.5–3 liters per day. GLP-1 medications slow gastric emptying, and dehydration can worsen nausea or dizziness. Staying hydrated also supports digestion and energy.

    Q: Do I really need a coach or expert?

    A: Yes, expert support helps you stay on track, adjust your plan, and manage side effects. A coach provides accountability, motivation, and personalization. That makes your journey smoother and more effective.

    Q: Can I continue taking other supplements on GLP-1?

    A: Most supplements are safe, but it is important to discuss this with your healthcare provider or dietitian. Timing may matter, especially for vitamins that require food for absorption.

    Q: How soon will I start seeing results?

    A: Most users begin to notice appetite suppression within the first 3–4 days. Physical weight loss may begin by the end of Week 2, depending on your adherence to diet and activity.

    Research Sources

    1. Health and Well-Being Coaching Adjuvant to GLP-1 Induced Weight Loss

    2. Semaglutide Injection.

    3. Dietary intake by patients taking GLP-1 and dual GIP/GLP-1 receptor agonists: A narrative review and discussion of research needs

    4. How to Understand and Use the Nutrition Facts Label.

    5. Low-Carbohydrate Diet

    6. Evaluation of the effect of macronutrient combinations on blood sugar levels in healthy individuals

    7. Dietary Guidelines for Americans, 2020-2025.

    8. Weight loss strategies and the risk of skeletal muscle mass loss

    9. Exercise Alters Gut Microbiota Composition and Function in Lean and Obese Humans

    10. Exercise and glucagon-like peptide-1: Does exercise potentiate the effect of treatment?

    11. Healthy Weight Loss Maintenance with Exercise, Liraglutide, or Both Combined

    12. Recent advances in understanding the mechanisms in skeletal muscle of the interaction between exercise and frontline antihyperglycemic drugs

    13. The diseasome of physical inactivity–and the role of myokines in muscle-fat cross-talk

  • How to be agile at work

    How to be agile at work


    A start up kit for business growth

    If you are like me, you have read a hundred business books and a thousand articles and posts. Most of them with incredible gold and great value as you look at how to start, grow and scale your business.

    Then it comes time to planning.

    You know you need to adapt, be agile, and customer responsive. And all those business books swimming around in your brain seem to illude you.

    This is why I LOVE Plan.D (not sure about the name but I get what the creators Lucy Gilfedder and brother Sam Gilfedder are saying…

    “Plan.D was first realised whilst Lucy was studying for the Bachelor of Creative Intelligence and Innovation at The University of Technology Sydney. Working alongside Dr Paul James Brown and the Faculty of Transdisciplinary Innovation, she embarked on an in-depth cross analysis of the leading start-up guides and business management books on the market. All of which followed the same information dense structure whilst lacking adaptability and dynamism. There had to be a better, more user-friendly way!”

    Quite simply Lucy wanted to bring to life all the incredible content that they had – to be a useful planning tool for business leaders.

    Plan.D Agile Business cards

    She and Sam collaborated with accountants, entrepreneurs, designers, HR managers, artists, and vast number of other individuals, Plan.D was gradually developed. A start-up guide that uses progressive ideologies, is easy to use and is applicable to anyone.

    We have all heard the adage a business doesn’t plan to fail but they often fail to plan… and the statistics are that 60% of start-ups will cease within three years, and only ten percent will be an ongoing viable concern.

    Start-ups most commonly fail due to one of five reasons: timing, funding, team, business management or idea. Plan.D is designed to address not one or two of these key problems but all five, and in turn provide focus on what is really important to grow a sustainable profitable business.

    There are 50 research-based cards in total – choose one a week or use them as a basis for an offsite. It is so easy… you pick a card from the pack, and each is thought provoking, insightful and fully researched.

    This could be the best investment that you make in the strategic growth of your business.

    A big congratulations to Lucy and Sam.

    Grab your set now



    Also published on Medium.

  • Your Key to Body Image Freedom

    Your Key to Body Image Freedom


    I was 13 when I went on my first diet.

    I had been struggling with my weight for about six years, and my obsession with how I looked was starting to dominate my life.

    I only had two to three shirts that I felt comfortable in. The only thing that mattered was that they didn’t make me “feel fat.” Even those chosen shirts were always under my West 49 sweater, for extra coverage.

    The cherry on top of this presentation was my slouched shoulders—a defense mechanism to protect against exposing my “man boobs,” the body part that had dynastic reign for being my biggest insecurity.

    The way I viewed my body governed my self-worth.

    I felt that my body held me back from enjoying countless moments of my life, and by the ripe age of 13, I decided I was sick of it.

    I figured the only way I could change this purgatory was by changing my body.

    I started exercising three to four times a day. For my first two meals a day, I drank a sludge of water mixed with “weight loss smoothie powder” (really just a glorified protein shake). Whenever I “cheated,” I punished myself the next day by eating even less or exercising even more.

    In about 5 months, I lost 60 lbs. One third of my body weight to be exact.

    This was how I spent the summer transitioning from elementary school to high school. Counting calories over making memories.

    To no surprise, this was met with endless praise. And it felt good. Scratch that, it felt incredible.

    I had experienced both sides now: One where I felt valueless because I was in a fatter body, and one where I felt accepted and prized because I was in a thinner body.

    In another version of this story, I might’ve learned something from my newly widened perspective: I might’ve gained empathy, seeing the unfair stigma projected at people in larger bodies. I might’ve gained bravery, advocating for more body acceptance, regardless of someone’s size.

    But instead, I participated in the problem.

    I built up the identity of being a “former fat person” who is proof that “anybody can lose weight.”

    However, as this script typically goes, over the next few years, I gained a lot of the weight back.

    This sent me into a depression. I felt like I had lost my value; like I had won the lottery and blew through my fortune.

    That was the pattern I repeated for almost 15 years.

    Until I stumbled on something called “body neutrality.”

    For me, adopting a more body-neutral approach created a paradigm shift—it offered a way to uncouple my appearance with my happiness. It also caused me to ask some deep questions about my body, and the kind of life I wanted.

    Questions like:

    “Do I want my self worth to be defined by my external appearance?”

    “Do I want to continue this cycle—and potentially pass it on to any future kids I might have?”

    “What would my life look like if I fought to value myself for who I am as opposed to what I look like?”

    My answers weren’t immediately clear. But body neutrality created an opportunity to step off the hamster wheel of chasing aesthetic goals—and finally, truly reflect.

    In this article, I’ll walk you through the process of adopting a more body neutral approach to your own self image and self-care.

    You’ll learn:

    • What body neutrality is
    • How to think about your body and your health—in a way that isn’t dependent on appearance
    • Five actionable, body neutral strategies you can apply today—if you want to stop letting your weight, size, or shape dictate your happiness

    Let’s begin.

    What is body neutrality?

    Body neutrality is a mindset that encourages you to value how your body functions and feels over how it looks. This perspective helps you develop self-acceptance, while still working to care for yourself in ways that promote overall health.

    In practice, this looks like:

    ✅ You exercise and eat nutritiously—not because it makes you look a certain way—but because it makes you feel good.

    ✅ You still have treats (because life is too short to be deprived of pizza!) but you don’t eat them to excess because they don’t make you feel the best, physically.

    ✅ You wear clothes and celebrate your appearance in ways that feel authentic, but how you “display” yourself isn’t the foundation of your self-worth.

    ✅ You don’t always love all aspects of your body, but you don’t let that stop you from enjoying your life; Improving your appearance doesn’t “earn” you the right to be happy.

    ✅ You might still care about how you look, but you broaden your self-concept so it also includes your values and your inherent worthiness as a human.

    I value seeing friends and family. I value playing rec sports. I value new experiences.

    When I’ve been heavier, I’ve neglected these things in favor of isolating myself.

    “I’ll do them again when I lose weight” is something I’ve uttered to myself more times than I can count.

    Body neutrality helped me realize I still deserved these things—no matter how I looked.

    Everyone can benefit from body neutrality.

    Body neutrality isn’t just for people in larger, or otherwise marginalized bodies.

    It’s also useful for people with “ideal bodies,” who’ve been the recipients of validation and privilege because of the way they look.

    “I’ve worked with clients who are fairly satisfied with their appearance, but they still struggle with their body image because their self-worth relies on it,” says Shannon Beer, registered nutritionist and body image coach.

    People with idealized bodies sometimes aren’t living the life they want either, because they have to exhaust their energy to maintain an image of “perfection.”

    (If you want to know what kind of sacrifices it takes to meet those “ideal” standards, check out: The cost of getting lean: Is it really worth the trade-off?)

    “The ‘meh’ is the magic.”

    That’s a quote from Jessi Kneeland, body neutrality coach and author of Body Neutral: A Revolutionary Guide to Overcoming Body Image Issues, when they sat down with some PN coaches to talk about body-neutrality.

    (Want to listen in on the whole conversation? Watch it here: PN Coaches discuss body neutrality and negative self-talk)

    The goal with body neutrality isn’t to love your body and all of its parts all of the time. Nor is it to be so toxically positive that you ignore real—and sometimes negative—feelings about your body.

    That just isn’t realistic for most people.

    Instead, an underrated goal is to feel sort of… meh.

    You’re not overly glorifying or criticizing your body; its appearance just doesn’t hold that much importance.

    Self-hate to self-love process. ... starting with: 1. Super extra really hate self 2. Hate self fairly strongly 3.Kinda hate self 4. Meh 5. You know what, self, you're not complete grabage 6. Hey you, you deserve some care, don't ya? 7. Learning what makes me feel good makes it easier to feel good! 8. Maybe, eventually, I'll get to "I love myself wholly and I'm full of sparkles and cool stuff."Sometimes, you just have to get to "less hate"... one step at a time.

    When you’re used to hating your body, getting to neutral (or ‘meh’) can actually be hugely freeing. From there, you may learn to appreciate yourself in a deeper, less appearance-centric way.

    In practice, you may love certain parts about your body—but also feel ambivalent or mildly negative about other parts.

    For example, you may see your stomach and feel ashamed because you don’t like what you see.

    This feeling is uncomfortable, but it’s not “right” or “wrong.” You just don’t want that feeling to dictate your behavior. (Such as seeing your stomach and then saying, “Alright, I’m not going out tonight,” or, “Diet starts tomorrow!”)

    To give you a personal example:

    As a dude living in North America, I feel pretty ‘meh’ about being 5’9” tall.

    Would I love to be 6’2”?

    Sure.

    But I’m not 6’2”—and I can’t change that. My height won’t ruin my day and I surely won’t be depriving myself from the things I enjoy most in this life because of it.

    Body neutrality and aesthetic goals

    Some people worry that if they adopt a more body neutral approach to their health and fitness, it means they have to relinquish any desire for physical change.

    They also might worry that being more body neutral might make them lose certain aspects of their appearance that they like (such as muscular legs or a slim torso).

    Here’s the thing: Body neutrality advocates for health.

    Being body neutral doesn’t mean your body can’t change.

    It just means your self-worth isn’t dependent on that change, and that your whole life isn’t consumed by the pursuit of a physique goal.

    If you’ve been starving yourself and overexercising to the point of burnout, body neutral principles will encourage you to disengage from those extreme activities in the pursuit of a specific physique.

    If you’ve been overeating and avoiding exercise because you can’t stand your body, body neutral principles will encourage you to tune into your genuine sense of care and love for yourself, and help you choose food and movement that support your body—regardless of its shape.

    In this sense, body neutrality can have a balancing effect on health and fitness behaviors, and, according to Beer, is unlikely to take away from physical health, if applied correctly.

    Plus…

    There’s nothing inherently wrong with having an aesthetic goal.

    Body neutrality rejects physical or aesthetic change only if it’s to the detriment of your overall mental, emotional, social, physical, and existential health.

    5 things you can do today to be more body neutral

    Congratulations: Just setting the intention to step away from an appearance-centric approach to health and fitness is a great start.

    But, ultimately, it’s only action that creates deep, lasting change.

    So, here are five tangible strategies you can work on immediately to develop a more body neutral approach.

    Strategy #1: Do the things you love today.

    Stop waiting to achieve the “ideal” body in order to be able to enjoy your life, and start doing more of what you love now.

    Start with something easy that you tend to stop yourself from doing when you feel insecure about your appearance.

    When I was in my worst spots, I stayed inside too much—even though I love being outside. It might sound silly but even reading outdoors in nice weather was helpful for me.

    The point is: It can be that small.

    Find one thing you’ve deprived yourself of in the past and do it—even if it’s a small dose, regardless of how you feel. Re-teach yourself that you don’t need a certain body shape or size to allow joy into your life.

    (If you want more ideas on how to stop thinking you’re simply [insert thing you think you need] away from being happy, check out: “I’ll be happier when I lose weight” is a recipe for regret. Here’s the counterintuitive solution)

    Strategy #2: Set body-neutral goals.

    This is a gamechanger in my coaching experience. I’ve seen clients transform their relationship with exercise when they focus more on what they can do as opposed to how they look. “I feel so much better but I haven’t lost any weight,” is a sentence I’ve heard repeatedly.

    When you’re overly appearance-centered or focused on weight, you risk missing other indicators of progress—like how good you feel.

    If your fitness goals tend to be aesthetic-centric, try setting a goal that has nothing to do with how you look.

    This can look like:

    ▶ Setting strength and performance goals in fitness (such as beating a deadlift PR, or a sprint time)

    ▶ Practicing slow, mindful eating at more meals (if you usually inhale your meals in seven minutes tops, see if you can make a meal last 20 minutes, chewing your food well and savoring each bite)

    ▶ Working to develop a new a skill in the gym (like your first pull-up, or a cool Olympic lift, like a clean and jerk)

    None of these depend on your appearance; They’re all focused on what you can do. (And chances are, you’ll feel more empowered than ever when you start achieving them.)

    Strategy #3: Curate your environment.

    Take control of the parts of your environment that feed the body-image obsessed wolf. Starve that beast wherever you can.

    Here are some ideas:

    ▶ Unfollow social media accounts that prey on insecurity or promote unrealistic ideals. Follow more that are body-neutral, or inspire other aspects of your personality (like comedy, or crafting).

    ▶ See what it’s like to reduce your exposure to your own appearance. This can look like having fewer mirrors (or covering some up for a period of time), or turning off the self-view on Zoom.

    ▶ Consider ditching the scale. Most people struggle to stay “neutral” about whatever number that shows up.

    ▶ Set boundaries around body talk. Some environments are rife with commentary about body hang ups or goals. If someone begins talking about their new weight loss diet or “disgusting gut,” try changing the topic, or just exit the conversation. Eventually, people will realize you’re not the right audience.

    Strategy #4: Find your people.

    Body neutrality won’t be the most common approach you’ll run into in the fitness world.

    But, intentionally seeking out and surrounding yourself with more body neutral folks can keep you from constantly getting sucked back into an appearance-centric mindset.

    There are body neutral, body positive, or HAES (health at every size) community groups all over social media and the internet, and this can be parlayed into finding local groups near you too.

    Seeking out these spaces will only provide more support—and positive momentum—as you pursue a more body neutral approach.

    Strategy #5: Strive for improvement, not perfection.

    You don’t need to be a body-neutral icon or master. The expectation is not that you 100 percent divest from focusing on your appearance.

    Body neutrality exists on a continuum.

    Assess where you are right now in terms of how appearance-centric you are when it comes to health and fitness. If all your eggs are in the “aesthetics basket,” then even taking one metaphorical egg out (and say, putting it in the “gardening” basket) is progress.

    Use the list of suggestions above to set some small goals, and just begin where you can.

    You might always care about your appearance (maybe even more than average), but if it’s progress from where you started, you’re winning.

    What life on “the other side” looks like

    Even after sharing all of this, I won’t sit here and lie to you by saying I’m pure-bred body-neutral, all the time.

    But I like to think I’ve grown a lot since my days of hiding out inside during “fat days.”

    I’m better at doing the things I love, even when I don’t feel confident in my body.

    I’m better at wearing comfortable clothing when I don’t feel good about my body— instead of cramming myself into something that’s too tight and suffering all day.

    And, I’ve expanded the way I see fitness for myself and my clients, focusing more on feel and function, rather than achieving a certain look.

    For me, this is progress.

    Yours might look different.

    Be kind to yourself, and acknowledge that you might be working through decades of programming. Body neutrality sure isn’t a quick fix, but the lasting freedom, joy, and genuine sense of self-worth it offers is worth it.

    If you’re a coach, or you want to be…


    You can help people build sustainable nutrition and lifestyle habits that will significantly improve their physical and mental health—while you make a great living doing what you love. We’ll show you how.


    If you’d like to learn more, consider the PN Level 1 Nutrition Coaching Certification. (You can enroll now at a big discount.)

  • Post Office Small Savings Scheme Interest Rate July

    Post Office Small Savings Scheme Interest Rate July


    What are the latest Post Office Small Savings Scheme Interest Rate for July – September 2025? What is the interest rate for PPF, SSY, SCSS, KVP, or NSC schemes for 2025?

    The Ministry of Economic Affairs is scheduled to announce the interest rates for all Post Office Small Saving Scheme Interest Rates on a quarterly basis. In line with this, the department has communicated the relevant interest rates for the Post Office Small Savings Scheme for the period of July-September 2025 on 30th June 2025.

    Previously, interest rates were announced on an annual basis. However, starting from the fiscal year 2016-17, interest rates will be determined on a quarterly basis. I have previously authored a comprehensive article on this topic, and I am including the link to that article below.

    Below is the timetable for change in interest rates for all Post Office Savings Schemes.

    Post Office Small Savings Scheme Interest Rate Schedule

    Post Office Small Savings Scheme Interest Rate July – September 2025

    On 30th June 2025, the Finance Ministry declared that the interest rates for different small savings schemes will stay the same for the quarter beginning 1st July 2025.

    The interest rates for different Small Savings Schemes during the first quarter of FY 2025-26, which will commence on 1st July, 2025, and conclude on 30th September, 2025, will remain consistent with those announced for the first quarter (1st March 2025 to 30th June 2025) of FY 2025-26, according to a notification issued by the finance ministry. Refer to the below image for the same.

    Post Office Small Savings Scheme Interest Rate July - September 2025

    Hence, the applicable rate of Post Office Small Savings Scheme Interest Rate July – September 2025 is as below.

    Post Office Savings Schemes Interest Rates July – September 2025
    Sl No. Scheme Name Current Interest Rate Revised Interest Rate
    1 Savings Deposit 4.00% 4.00%
    2 Term Deposit 1 Yr 6.90% 6.90%
    3 Term Deposit 2 Yrs 7.00% 7.00%
    4 Term Deposit 3 Yrs 7.10% 7.10%
    5 Term Deposit 5 Yrs 7.50% 7.50%
    6 RD-5 Yrs 6.70% 6.70%
    7 NSC-5 Yrs 7.70% 7.70%
    8 Post Office Monthly Income Scheme (MIS) 7.40% 7.40%
    9 Public Provident Fund (PPF) 7.10% 7.10%
    10 Senior Citizen Savings Scheme (SCSS) 8.20% 8.20%
    11 Kisan Vikas Patra (KVP) 7.50% 7.50%
    12 Sukanya Samriddhi Scheme (SSY) 8.20% 8.20%

    Note – KVP will now double in 115 months.

    I have tabulated the same in the image format also for your reference.

    Post Office Small Savings Scheme Interest Rate July - September 2025_Chart

    Features of Post Office Savings Schemes

    Now let us glance at the Post Office Small Savings Schemes features. This will give you more clarity in choosing the right product for you.

    # Post Office Savings Account

    Like Bank Account, Post Office also offers you the savings account to its customers. The few features are as below.

    • Minimum Rs.500 is required to open the account.
    • Account can be opened single, jointly, Minor (above 10 years of age), or a guardian on behalf of a minor.
    • Minimum balance to be maintained in an account is INR 500/- , if balance Rs. 500 not maintained, a maintenance fee of one hundred (100) rupees shall be deducted from the account on the last working day of each financial year and after deduction of the account maintenance fee, if the balance in the account becomes nil, the account shall stand automatically closed.
    • Cheque facility/ATM facility are available
    • Interest earned is Tax-Free up to INR 10,000/- per year from the financial year 2012-13
    • Account can be transferred from one post office to another
    • One account can be opened in one post office.
    • At least one transaction of deposit or withdrawal in three financial years is necessary to keep the account active, else account became silent (Dorment).
    • Intra Operable Netbanking/Mobile Banking facility is available.
    • Online Fund transfer between Post Office Savings Accounts/Stop Cheque/Transaction View facility is available through Intra Operable Netbanking/Mobile Banking.
    • The facility to link with IPPB Saving Account is available.
    • Funds Transfer (Sweep in/Sweep out) facility is available with IPPB Saving Account.

    # Post Office Fixed Deposits (FDs)

    • Minimum of Rs.1,000 and in multiples of Rs.100. There is no maximum limit.
    • FD tenure currently available is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
    • Account can be opened single, jointly, Minor (above 10 years of age) or a guardian on behalf of minor.
    • Account can be opened by cash /Cheque and in case of Cheque the date of realization of cheque in Govt. account shall be date of opening of account.
    • Account can be transferred from one post office to another
    • Single account can be converted into Joint and Vice Versa .
    • Any number of accounts can be opened in any post office.
    • Interest shall be payable annually, No additional interest shall be payable on the amount of interest that has become due for payment but not withdrawn by the account holder.
    • The annual interest may be credited to the savings account of the account holder at his option.
    • Premature encashment not allowed before expiry of 6 month, If closed between 6 month to 12 month from date of Opening, Post Office Saving Accounts interest rate will be payable.
    • 5 Yrs FD is eligible for tax saving purposes under Sec.80C.

    # Post Office Recurring Deposit (RD)

    • Minimum is Rs.100 a month and in multiple of Rs.10. There is no maximum limit.
    • Account can be opened single, jointly, Minor (above 10 years of age) or a guardian on behalf of minor.
    • Tenure of RD is 5 years.
    • Account can be opened by cash / Cheque and in case of Cheque the date of deposit shall be date of clearance of Cheque.
    • Premature closure is allowed after three years from the date of opening of the account.
    • Account can be transferred from one Post Office to another Post Office.
    • Subsequent deposit can be made up to 15th day of next month if account is opened up to 15th of a calendar month and up to last working day of next month if account is opened between 16th day and last working day of a calendar month.
    • If a subsequent deposit is not made up to the prescribed day, a default fee is charged for each default, default fee @ 1 Rs for every 100 rupee shall be charged. After 4 regular defaults, the account becomes discontinued and can be revived in two months but if the same is not revived within this period, no further deposit can be made.
    • If in any RD account, there is a monthly default amount, the depositor has to first pay the defaulted monthly deposit with default fee and then pay the current month deposit.
    • There is rebate on advance deposit of at least 6 installments, Rs. 10 for 6 month and Rs. 40 for 12 months Rebate will be paid for the denomination of Rs. 100.
    • One loan up to 50% of the balance allowed after one year. It may be repaid in one lumpsum along with interest at the prescribed rate at any time during the currency of the account.
    • Account can be extended for another 5 years after it’s maturity.

    # Post Office Monthly Income Scheme (MIS)

    • Maximum investment is Rs.9 lakh in a single account and Rs.15 lakh jointly (It is revised during the Budget 2023). Earlier it was Rs.4.5 lakh for a single account and Rs.9 lakh for joint accounts.
    • Account can be opened single, jointly, Minor (above 10 years of age) or a guardian on behalf of minor.
    • Any number of accounts can be opened in any post office subject to maximum investment limit by adding balance in all accounts (Rs. 4.5 Lakh).
    • Single account can be converted into Joint and Vice Versa.
    • Maturity period is 5 years.
    • Interest can be drawn through auto credit into savings account standing at same post office,orECS./In case of MIS accounts standing at CBS Post offices, monthly interest can be credited into savings account standing at any CBS Post offices.
    • Can be prematurely en-cashed after one year but before 3 years at the discount of 2% of the deposit and after 3 years at the discount of 1% of the deposit. (Discount means deduction from the deposit.).
    • Interest shall be payable to the account holder on completion of a month from the date of deposit.
    • If the interest payable every month is not claimed by the account holder such interest shall not earn any additional interest.

    # Post Office Senior Citizen Savings Scheme (SCSS)

    I have written a detailed post on this. Refer to the same at ” Post Office Senior Citizen Scheme (SCSS)-Benefits and Interest Rate“.

    Note – Effective from 1st April 2023, the maximum limit is currently Rs.30 lakh. Earlier it was Rs.15 lakh. This change happened during Budget 2023.

    # Public Provident Fund (PPF)

    I have written various posts on PPF. Refer the same:-

    # National Savings Certificate NSC (VIII Issue)

    • Minimum Rs.1,000 and in multiple of Rs.100.
    • No maximum limit.
    • Account can be opened single, jointly, Minor (above 10 years of age) or a guardian on behalf of minor.
    • Tax Benefit under Sec.80C is available.
    • Tenure is 5 years.

    # Kisan Vikas Patra (KVP) Account

    • Minimum Rs.1,000 and in multiples of Rs.100. There is no maximum limit.
    • Account can be opened single, jointly, Minor (above 10 years of age) or a guardian on behalf of minor.
    • The money will be double at maturity. However, as the interest rate changes on a quarterly basis. The maturity period also varies once in a quarter.

    # Sukanya Samriddhi Account Yojana (SSY)

    I have written various posts on this. Refer the same:-

    Conclusion – While inflation appears to be moderating, and RBI reduced the repo rate consistently, many assumed that this time Government will reduce it’s interest rate. However, luckily the interest rates not changed for this quarter also. This I think is the positive news for many investors 🙂

    For Unbiased Advice Subscribe To Our Fixed Fee Only Financial Planning Service

  • Endurance Exercise and Longevity – BionicOldGuy

    Endurance Exercise and Longevity – BionicOldGuy


    https://giving.massgeneral.org/stories/too-much-of-a-good-thing

    I’ve talked in the past (here and here) about the concept of whether there is a point beyond which exercise becomes too much of a good thing. Since I’m always tempted to push the envelope on this, I decided to ask Google Gemini deep research to investigate it for me: Endurance Exercise Volume, Intensity and Human Longevity. It came up with this report, which is summarized in this podcast derived from the report. It is an interesting update. In the past some studies have seemed to show a “U-shaped curve” of longevity vs exercise volume: Exercise reduces all-cause mortality, with the benefit increasing with more exercise, up to a point. After that, mortality risk increases again. This is not born out in meta-analyses of the majority of studies, however. Instead, all-cause mortality continues to go down no matter how much you exercise. But beyond a certain point, we are at higher risk of developing certain cardiac abnormalities like Afib or scarring of the heart. This seems to be more likely for those doing a lot of high intensity training.

    So if you’re like me and enjoy lots of endurance training, it’s a good idea to follow a system like polarized training where most of your training is at easy intensity, with a minority of workouts at higher intensity. Other recommendations are also given in the report like possibly undergoing cardiac screening to minimize the risk of cardiac abnormalities. Because I had a heart-valve replacement in the past I’m under the ongoing care of a cardiologist, and am glad to get periodically screened.



  • 50 Cent Wants Mayoral Candidate Mamdani Out Of New York

    50 Cent Wants Mayoral Candidate Mamdani Out Of New York


    50 cent , NYC mayor,Zohran Mamdani

    Curtis ’50 Cent’ Jackson also offered to pay the Democratic nominee for NYC Mayor close to $300K to exit the race.


    Curtis “50 Cent” Jackson is speaking out on New York politics, and the Internet is displeased.

    Jackson is making headlines for seemingly dismissing Zohran Mamdani for mayor of New York. Mamdani, who won the Democrat primary election, has been running a race that is diametrically opposed to the Republican agenda. Mamdani has proposed raising taxes on the wealthy, free bus rides, a city-wide rent freeze, among other things. Consequently, he has received backlash from the Trump administration and many other political conservatives who do not even live in NYC. Jackson has now added his name to the throes of naysayers.

    The “Many Men” rapper, who hails from Queens, New York, posted a message on Instagram offering to pay Mamdani to exit the race and leave the city. He also questioned the candidate’s presence in the political landscape.

    “Where did he come from? Whose friend is this? I’m not feeling this plan. No. I will give him $258,750 and a first-class one-way ticket to get away from NY. I’m telling trump what he said too!” Jackson said.

    One X user drew a parallel between Trump and Jackson, money. Stating of the rapper, “He’s part of the same group as Musk, Bezos and Trump – billionaires who pay little to no taxes.

    Beyoncé fans also known as the Hive got in formation and encouraged one another to ignore the “Power” producer’s attempts at relevancy. According to this user, Jackson’s political talk among other statements are “painfully cringe.”

    Another user criticized fans of Jackson’s. He likens the support to “worship” and believes Jackson is selfish and cares nothing of his fans’ wellbeing. 

    Jackson has since removed the post from his Instagram account. Though, no one will be surprised if he interjects himself further into the conversation. Mamdani recently won the Democratic primary against former New York Governor Andrew Cuomo and will be running in the general election in November against current Mayor Eric Adams and the Republican candidate Curtis Sliwa. 

    RELATED CONTENT: Zohran Mamdani Could Be NYC’s First Muslim Mayor After Securing Democratic Primary: ‘We Made History’



  • Why My Biological Age is 21 (Even Though I’m Actually 38)

    Why My Biological Age is 21 (Even Though I’m Actually 38)


    Ever wondered if you could turn back time? While we can’t literally stop the clock, there is a way that we can slow down aging. And the good news is that doing everyday, simple habits can make a big positive impact. 

    I keep track of my health through lab testing with Function Health. One test I recently took with them gave me a fascinating look into something called biological age. As it turns out, it’s very different from your actual age in years. My chronological age is 38, but my biological age came back as 21.7. 

    And of course, the results piqued my interest! I looked into the different factors this test looks at and what I may be doing that contributes to a lower biological age. The bottom line is that there are things we can do to improve how our cells age as we get older. 

    An Overview of Biological Age

    In this post, I’ll walk through what biological age really means and how it’s measured (especially in the test I did). I’ll also dive into the lifestyle factors I believe contributed to a lower biological age. Whether or not you ever take a test like this, I truly believe we all have the ability to support cellular health and age with vitality.

    Biological Age vs. Chronological Age: What’s the Difference?

    Chronological age is just the number of birthdays we’ve had and is a fixed number. Biological age, however, is a measure of how well our body is functioning at a cellular level. It takes into account how fast (or slow) we’re aging on the inside.

    The gold standard for measuring biological age is a DNA methylation test. This looks at how your genes are expressing themselves based on chemical markers. While this test is fascinating and considered very accurate, it’s also relatively expensive and not super accessible yet.

    The Function Health test I did doesn’t use methylation, but instead analyzes a wide range of biomarkers from a simple blood draw. While it’s not the gold standard, I like that it’s comprehensive, repeatable, and still offers very helpful insights. It also lined up with what I know about my own health journey and how I feel on a day-to-day basis.

    How I Measured My Biological Age 

    The biological age test I did looked at nine different biomarkers that together give a snapshot of how the body is aging. These include markers related to liver and kidney health, inflammation, immune response, nutrient status, and blood sugar regulation.

    Albumin

    The first one is albumin, a protein made by the liver that plays a role in transporting nutrients and maintaining fluid balance. It’s something hospitals often monitor in recovering patients, and it turns out it’s also a useful marker for overall cellular health. 

    I suspect that things like getting enough high-quality protein and staying hydrated with minerals played a big role in my healthy albumin levels. I also do a lot of liver support through things like sauna, castor oil packs, and bitter herbs. 

    Creatinine

    Another key marker was creatinine, which gives insight into kidney function. This one may be influenced by hydration and toxin load. Over the years, I’ve been really mindful of focusing on getting enough minerals, staying hydrated, and reducing environmental toxins. I choose clean household and beauty products, filter our water, and use gentle detox supplements like Zeolite. 

    I also make it a point to sweat daily, either through exercise or sauna. Plus, I pay close attention to hydration by adding minerals to my water throughout the day.

    Blood Sugar

    Glucose was another important factor, since blood sugar regulation plays a major role in aging. I’ve shared before how I prioritize protein at every meal, especially in the morning. I also try to avoid refined sugars and opt for balanced meals. Movement after meals, particularly walking, makes a huge difference for me. 

    I’ve also noticed that sunlight, especially morning light, supports better blood sugar regulation for me. Sunlight helps set our circadian rhythms, which positively influences insulin sensitivity.

    Inflammation

    Inflammation is also a big piece of the puzzle, and one of the markers the test looked at was high-sensitivity C-reactive protein (hs-CRP). This is one of those numbers you want to keep low, and this test is more sensitive than a standard CRP test.

    For me, regular sauna use has made a noticeable difference. I also use anti-inflammatory foods and supplements, occasionally fast, and rotate in omega-3s and other anti-inflammatory tools like Fatty15. These practices aren’t just about lab numbers, they’re about feeling good and giving my body a break from low-grade inflammation.

    Lymphocytes and Immune Health

    There were other markers too, like lymphocyte percentage (an indicator of immune function). I focus on gut health and make sure I’m getting enough fiber and leafy greens to help with this. Just Thrive’s probiotic is my go-to supplement for gut health. Vitamin D from the sun and getting enough zinc also play a big role in supporting a good immune system here.

    Other Health Markers

    Another marker the test measures is MCV, which reflects nutrient status, like B12 and folate. I think eating nutrient-dense foods plays a key role in this one. The test also looks at RDW, red blood cell variability that may point to stress or micronutrient issues. Supporting gut health, getting enough sun for natural vitamin D, and including a variety of nutrient-dense foods have all likely helped keep those numbers in a healthy range.

    The test also looked at white blood cell count for immune health. Factors like sleep, stress, and detox support are key here. And lastly, they look at ALP, which points to liver, bone, and bile health. I’ve been using bitters lately (also from Just Thrive), which help support the liver and detox. NAC and glutathione may also be helpful for those ALP numbers. 

    What I Believe Helped Me Lower My Biological Age

    Looking at all the data and thinking back on what I’ve done in recent years, a few key patterns emerge. I didn’t add all of these things at once, far from it. It’s been a slow layering of habits over time, with plenty of trial and error. But a few principles really stand out.

    Nutrition

    The first is nutrient density. I focus on getting a lot of protein and micronutrients in the morning, ideally within an hour of waking and before caffeine. I’ve found that when I hydrate with minerals, get natural sunlight, and eat a nourishing breakfast early in the day, everything else seems to fall into place more easily—my energy, my blood sugar, even my mood.

    Another important piece is blood sugar regulation. Imbalanced glucose levels can indicate inflammation in the body. For me, that means eating plenty of protein and cutting out processed foods and refined sugar as much as possible. I also make movement after meals a regular part of my day. 

    I’ve experimented with wearing a continuous glucose monitor (CGM) to see what works for me, and it’s been eye-opening. I now know that even small changes, like walking after lunch or not snacking late at night, can have a big impact.

    Solar Powered

    Sunlight might be one of the most underrated tools in our wellness toolbox. I like to joke and say that I’m solar powered! Morning sunlight helps set circadian rhythms and improves energy, mood, and hormone balance. Midday sun supports vitamin D and mitochondrial health. 

    I try to get outside first thing in the morning and again around midday whenever possible. And no, I don’t overdo it or burn, but I also don’t fear the sun the way we’ve been taught to.

    Movement and Exercise

    Movement is another huge pillar. I walk daily, sometimes with a weighted vest, and I lift weights a few times per week. Strength training has been a game-changer, not just for how I look but for how I feel. As Dr. Gabrielle Lyon says, “Muscle is the organ of longevity,” and I’ve come to really believe that.

    Then there’s recovery. I sauna a few times per week, support my sleep like it’s my job, and make time for joy, relationships, and rest. I’ve also worked hard to learn how to slow down, enjoy life, and not always be in “go” mode.  I believe this has had just as big an impact on my biology as anything else.

    Supplements For Healthy Aging

    On the supplement side, I focus on quality supplements and rotate based on what my body needs. Methylated B vitamins, minerals from all sources, broad-spectrum magnesium, omega-3s, glutathione, and collagen are my staples. I also support methylation with choline-rich foods and supplements and sometimes trimethylglycine or zinc, depending on my labs and how I’m feeling.

    Mind-Body and Epigenetics

    We’re learning more and more about how our thoughts, emotions, and beliefs affect our biology. Books like The Biology of Belief explore how powerful our minds are when it comes to gene expression and overall health. I’ve seen this in my own life too. When I’m more grounded, grateful, and emotionally balanced, my physical health reflects it.

    We can’t always control our circumstances, but we can create habits, routines, and internal stories that support our biology instead of working against it. I really believe that our emotions, relationships, and mindset are part of the health equation. Maybe even one of the most important parts.

    Aging Well From the Inside Out

    Biological age is just a number, and while it’s exciting to see that number go down, what really matters is how we feel and function. For me, tracking things like HRV, glucose, and inflammation has been helpful. However, it’s not about perfection; it’s about tuning into what helps me thrive.

    I’ll likely retest every 6 to 12 months to see how my biological age shifts with different habits and seasons and to keep a pulse on things. But no matter the number, I’ll keep focusing on the basics: nutrient-dense food, good sleep, sunlight, joyful movement, real connection, and rest.

    If you’re interested in trying a biological age test, you can check out the one I used through Function Health. But you don’t need a test to start supporting your health at a cellular level. Begin with what’s simple and sustainable. Hydrate (with minerals!), eat real food, get sunlight, sleep well, and move your body. The rest can be layered in over time. 

    Ultimately, age is really just a number and how we live matters more than how many candles are on our birthday cake.

    Have you ever tested for your biological age? Leave a comment and let us know!

  • Dalai Lama prays at landmark 90th birthday launch

    Dalai Lama prays at landmark 90th birthday launch


    Dalai Lama

    Tibetan spiritual leader, the Dalai Lama, offers blessings to his followers at his Himalayan residence in the northern hill town of Dharamshala, India, December 20, 2024. REUTERS FILE PHOTO

    MCLEOD GANJ, India — Exiled Tibetan spiritual leader, the Dalai Lama, joined thousands of Buddhist followers on Monday in 90th birthday prayer celebrations, a landmark resonating far beyond the Indian Himalayan town where he has lived for decades.

    Draped in traditional maroon and yellow robes, the Dalai Lama sat and listened to speeches and chants of monks, nuns, pilgrims, as well as well-wishers from across the world.

    Article continues after this advertisement

    The leader, who turns 90 on July 6, and thousands of other Tibetans have lived in exile in India since Chinese troops crushed an uprising in the Tibetan capital Lhasa in 1959.

    READ: Dalai Lama says his successor to be born outside China

    The Dalai Lama’s 90th birthday is more than a personal milestone.

    The charismatic Nobel Peace Prize-winning Buddhist Tenzin Gyatso — who Tibetans say is the 14th reincarnation of the 600-year-old post — is also expected to reveal if there will be another Dalai Lama after him.

    “We offer our fervent devotions that Tenzin Gyatso, protector of the Land of Snows, lives for a 100 eons,” a chorus of red-robed monks sang.

    Article continues after this advertisement

    “May all your noble aspirations be fulfilled,” they added, in front of a crowd that included religious leaders of many faiths.

    READ: Dalai Lama: Pope Francis ‘dedicated himself to the service of others’

    Article continues after this advertisement

    The Dalai Lama has said the institution will continue only if there is popular demand — and is widely expected to reveal that decision on Wednesday.

    The occasion carries profound weight not only for Tibetans, but also for global supporters who see the Dalai Lama as a symbol of non-violence, compassion, and the enduring struggle for Tibetan cultural identity under Chinese rule.

    His advancing age has also sparked concern over the future of Tibetan leadership and the delicate question of his succession.

    While China condemns him as a rebel and separatist, the internationally recognised Dalai Lama describes himself as a “simple Buddhist monk”.

    Many exiled Tibetans fear China will name a successor to bolster control over a territory it poured troops into in 1950. /dl



    Your subscription could not be saved. Please try again.



    Your subscription has been successful.



  • How (and Why) to Obfuscate Source Code and What is New You Can Accomplish in 2025

    How (and Why) to Obfuscate Source Code and What is New You Can Accomplish in 2025


    The deliberate action to obfuscate source code refers to the intentional transformation of programmatic logic into a form that is exceedingly difficult for humans to interpret, while remaining functionally identical from the standpoint of machine execution. This technique, while deceptively simple in conceptual premise, occupies a crucial position at the intersection of cybersecurity, intellectual property protection, and strategic business operations in the digital age.

    Obfuscation is not encryption, though the two are often conflated. Whereas encryption renders data entirely unreadable until decrypted—thereby necessitating additional runtime processes to restore operability—obfuscation preserves the code’s machine operability while simultaneously degrading its legibility to human observers. It is, in essence, a form of asymmetric information architecture: intelligible to the machine, opaque to the adversary.

    Developers and technology firms employ code obfuscation for a variety of interrelated purposes. Primarily, it serves to safeguard proprietary logic from reverse engineering, thereby impeding intellectual property theft. It also introduces substantial barriers to tampering and unauthorized modification—particularly important in contexts where software is deployed in hostile or semi-trusted environments. Furthermore, obfuscation can obscure business-critical algorithms, data flows, or security mechanisms, thus raising the cost of cyber intrusion for would-be attackers.

    In the competitive milieu of contemporary technology startups—where first-mover advantage is often fleeting and codebases may represent the totality of a firm’s monetizable assets—the protection of source code is not merely a technical best practice; it is a fiduciary responsibility. The use of code obfuscation should be viewed as one component of a broader strategic posture encompassing secure development practices, intellectual property management, and cybersecurity risk mitigation.

    Programmers obfuscate (from the Latin obfuscātus) source code to prevent it from being stolen, make it more difficult to tamper with, and secure valuable or sensitive information about the function of the code.

    Unlike encryption, obfuscation only makes data difficult to understand for humans. Since the data remains machine-readable, obfuscating source code protects the code from cybercriminals without adding extra steps like de-encryption that may slow down the program’s run time. 

    In the competitive world of technology-based startups, intellectual property is often the highest-value asset a company owns. Implementing obfuscation techniques is an essential step to protecting IP from theft by competitors.


    Why Is Source Code So Hard to Protect?

    Typically, valuable data and information are protected by restricting access.

    For example, sensitive client files are kept secure in password-protected, encrypted accounts that are difficult or impossible for criminals to breach.

    However, source code is visible to anyone using a program, so access prevention methods can’t be used to secure the code or any information stored within it.

    Instead, programmers can “disguise” the code via obfuscation so that it looks nonsensical to humans but is still machine-readable. This will prevent hackers from misusing the code while allowing the program to run as designed.

    Obfuscation software can be used to automatically apply different obfuscation methods to sections of code, or programmers can select portions of data and obfuscate them by hand.

    How to Obfuscate Source Code & Data

    There are many different methods for obfuscating data. To strengthen code protections, programmers can mix and match different techniques throughout the code to make it even more difficult for hackers to read.

    Below, we’ve outlined some of the more common techniques for effectively obfuscating data.

    1. Alternate Code Forms

    Translate short sections of the code into different forms throughout the program to make deciphering it more difficult without affecting run time.

    For example, you can translate parts of your code to binary language, or replace a function with a table lookup of all possible values the function might produce.

    2. Change Up Data Storage Methods

    Make your data more difficult to read by essentially “hiding” your data using different memory types and locations. Alternate between storing variables locally and globally to conceal how the variables work together. 

    You can also randomize the addresses at which parts of code are located to create an additional level of confusion and make the code more difficult to read.

    3. Randomize Aggregation Patterns

    Another way to confuse hackers is by packaging your data in random sizes. For example, you might break arrays into an unnecessarily high number of sub-arrays to confuse any reverse engineering attempts.

    4. Encrypt Strings

    Though encryption isn’t an effective method for protecting your entire source code, you can use encryption as part of the obfuscation process without slowing the program.

    Select individual keys, code strings, and other pieces of information to encrypt to create hacker “blind spots” in the code.

    5. Interrupt Code Flow

    Add unnecessary statements or “dead code” to your program to make it difficult to figure out what parts of the code contain real data.

    Dummy code can also be used to conceal the pathways by which program control is passed between sections of the codebase.

    6. Remove Debug Data

    Debugging information can be used by hackers to reverse engineer a program’s source code, so it’s wise to obfuscate debug information by changing line numbers and file names.

    Alternatively, you can entirely remove debug information from your program.

    7. Obfuscate Assembly Code 

    Concentrate obfuscation efforts on assembly code to make it especially difficult to reverse engineer.

    Many programmers like to hide assembly code within other code in a sort of Russian nesting doll pattern called the “jump-in-the-middle” technique, which will prevent a disassembler from producing the correct outputs.

    8. Renew Obfuscation Tactics Regularly

    Employ a schedule of obfuscation tactic renewal and refresh the techniques you’ve used throughout the code.

    Vary the pieces of information you’ve hidden and encrypted, and alternate between tactics in different portions of the code.

    Using multiple tactics to thoroughly obfuscate source code and refreshing obfuscation regularly will protect your startup’s IP from the majority of potential hacks.

    However, no security measure can guarantee your startup’s safety, which is why it’s important to complement your cybersecurity precautions with comprehensive tech insurance that should include cyber liability, tech errors & omissions, and commercial crime insurance to protect your tech startup from all possible forms of cyberattacks. 

    By pairing your programmer’s attack prevention efforts with protection against a worst-case scenario, you’ll be able to keep your company safe no matter what happens.

    Obfuscate source code chart

    To learn more about the policies that are right for your business, check out Embroker’s digital insurance platform.