Author: blogs2025

  • Crazy Jhenny, June 25, 2025

    Crazy Jhenny, June 25, 2025


    































































    Crazy Jhenny, June 25, 2025

    Crazy Jhenny, June 25, 2025


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  • What Modern Hierarchy Management Looks Like and Why It Matters

    What Modern Hierarchy Management Looks Like and Why It Matters


    This post is part of a series sponsored by AgentSync.

    Not long ago, the insurance industry was ripe with areas of opportunity for digital transformation. Nowadays, from electronic signature tools to AI customer service chatbots to full-scale distribution channel management solutions, there’s no shortage of tech tools to help insurers increase their efficiencies, improve their processes, and reduce their risks.

    However, one area of insurance distribution that’s still stuck in the past is hierarchy management. Without a solution for visualizing and updating an organization’s structure and commission payouts, carriers and agencies are left spending unnecessary time and money chasing down the most accurate data. With a modern solution for hierarchy management, insurance enterprises can manage even the most complex producer hierarchies with confidence and simplicity, ensuring compliance, accuracy, and efficiency as they scale.

    Current solutions for hierarchy management leave much to be desired

    When we think of past hierarchy management solutions, legacy technology like mainframes, spreadsheets, and digital change logs are what come to mind. Presently, not a whole lot of progress has been made to move beyond these approaches, and a number of carriers and agencies still use siloed, highly manual methods to represent their org structure.

    Of the modern, digital solutions that do currently exist, finding one that accounts for the insurance industry’s specific needs can be a challenge. Any solution claiming to modernize hierarchy management for insurance organizations can’t make a true difference without solving for insurance specific use cases like effective date tracking, change request and approval logging, and multi-level commission management.

    3 ways traditional hierarchy management falls flat

    1. Poor data visibility

    The networks of relationships that form a distribution channel and ultimately connect underwriters to policyholders can be multi-level and complex. Some businesses operate with hierarchies that span 30-plus levels, thousands of producers, hundreds of products, and dozens of commission structures. From a visibility standpoint, using spreadsheets and change logs housed on mainframes isn’t a very effective way to manage these complexities. It is, however, an effective way to create data silos in your processes that impact your ability to make well-informed decisions about your distribution channels. Without full visibility into your org structure and commission payouts, how can you accurately assess how your partners are performing? How can you know which distribution partners are critical to your success and which ones cost you more than their worth in annual appointment fees?

    2. Inefficient and impossible to manage at scale

    Imagine this: You’re an insurance carrier with multiple downstream agency partners. One of your longer-standing partners has a change in structure, and now the onus is on you to update years-worth of records and hundreds of contracts to accurately reflect the change in your system. Because you’re using manual methods for hierarchy management, it takes your admin hours to track down any inconsistencies and make the necessary changes. Hours they could be spending on other higher-value work. Inefficiencies like this increase costs and stall innovation, making it pretty much impossible to operate effectively at scale.

    3. Increased compliance risk

    The manual nature of traditional hierarchy management puts insurance carriers and agencies at a higher risk for errors in their records. Just one inaccuracy in the documentation of your organization’s structure can cause incorrect, missed, delayed, or clawed-back commission payments. Not only does commission mismanagement impact your distribution partners’ trust in you—which could result in some producers feeling the need to spend their own time calculating their payouts to ensure they’re being properly compensated—but it could also trigger a regulatory audit. And because last we checked, manual hierarchy management wasn’t very effective at generating time-stamped, automatic reports at the click of a button, that audit’s going to cost you hundreds of hours in data tracking and verification.

    The future of hierarchy management is automated, integrated, and intuitive

    As insurtech innovates beyond the inefficient and highly manual legacy tools of the past, finding a modern solution to hierarchy management shouldn’t be an afterthought. The right solution will meld modern automation capabilities with easy-to-use workflows, cloud-native infrastructure, and API driven data to turn hierarchy management from a bottleneck into a growth driver.

    Any solution to insurance hierarchy management should overcome the challenges of traditional methods and grant carriers and agencies:

    Full visibility into their hierarchies and commission structures: Not just immediate uplines and downlines. We’re talking full visibility into who in your distribution network is licensed in which states and for which products. And, with the rate of change growing insurance businesses experience, effective dating and historical data retrieval capabilities are a must-have to enable your team to access accurate snapshots of your organization and commission structures both presently and historically.

    Agile workflows for greater efficiency at scale: One small change in the organizational structure or licensing status of any of your distribution partners could impact thousands of records. How transformational would it be to see those changes reflected across your systems automatically, instead of spending hours manually documenting them? Modern hierarchy management should leverage API-backed automations to eliminate the administrative nightmare that is manual change management. That way any changes made to your org structure or commission levels are automatically reflected in every instance, whether your hierarchy includes a handful of distribution partners and payment structures or encompasses thousands of downlines and dozens of commission levels.

    Proven time and cost savings: How does that saying go again…something about time being money? The bottom line is that a modern hierarchy management solution can save your insurance enterprise both. Here are just a few examples of how:

    • Comprehensive historical tracking with effective dating makes pulling an accurate report of present and historical data for a state audit quick, painless, and efficient at scale.
    • Intuitive approval workflows for hierarchy modifications save you and your distribution partners time that’d otherwise be spent sifting through email threads and paperwork for the correct information and waiting for changes to be approved.
    • Greater visibility into commission levels and payouts means fewer commission clawbacks and regulatory fines for commission mismanagement.

    A reputation as a modern, compliant organization: No business wants a reputation for being hard to work with, untrustworthy, or stuck in the past. By using modern, intuitive, hierarchy management to power your distribution channel management, you can secure your place in the 21st century and delight your distribution partners with a more modern, seamless experience. Where manual hierarchy management can be a lesson in patience, a modern solution can offer intuitive approval workflows that automatically direct requests straight to the necessary stakeholders, speeding up the process and eliminating frustration. And forget antiquated mainframes and spreadsheets. Any present-day solution will be built on cloud-native infrastructure and leverage API-driven integrations to deliver a modern, tech-forward user experience.

    Drive digital transformation at your organization with AgentSync Hierarchy Management

    AgentSync Hierarchy Management brings the core functions of a modern hierarchy management solution to life. Built on a modern, cloud-based platform, AgentSync Hierarchy Management leverages API integrations to flow distribution partner data seamlessly through your existing tech infrastructure, eliminating the need to maintain parallel mainframe systems. With AgentSync Hierarchy Management, insurance carriers and agencies with even the most complex organizational structures can:

    • Handle insurance-specific hierarchy needs like multi-level overrides, effective dating, and required approvals with ease
    • Ensure correct commission payments by aligning payouts with an always accurate, real-time hierarchy
    • Onboard producers faster by automatically routing approval requests to the appropriate stakeholders and reducing time spent completing slow, manual workflows
    • Maintain unified producer data throughout their distribution channel management workflows from licensing through contracting with API-backed integrations

    To learn more about how AgentSync Hierarchy Management can take this crucial aspect of your distribution channel management workflows from inefficient and time-consuming to agile, seamless, and modern, get in touch with one of our experts today.

  • 10 Houseplants That Even You Can’t Kill (Probably)

    10 Houseplants That Even You Can’t Kill (Probably)


    10 Houseplants That Even You Can’t Kill (Probably)
    Image Source: pexels.com

    Keeping houseplants alive can feel impossible. Maybe you forgot to water them. Maybe your apartment doesn’t get much sunlight. Or maybe you just don’t have the time or energy to fuss over a plant every day. The good news is, you don’t need a green thumb to enjoy the benefits of indoor plants. Some houseplants are so tough, they can survive almost anything you throw at them. If you want to add some green to your space without the stress, this list is for you. Here are ten houseplants that are almost impossible to kill—even if you’ve failed before.

    1. Snake Plant

    The snake plant, also called Sansevieria or mother-in-law’s tongue, is famous for its toughness. It can handle low light, dry air, and missed waterings. The thick, upright leaves store water, so you don’t need to water them often. In fact, overwatering is the main way people kill this plant. Just let the soil dry out between waterings. Snake plants also help clean the air, making them a smart choice for bedrooms and offices.

    2. ZZ Plant

    The ZZ plant (Zamioculcas zamiifolia) is almost indestructible. Its waxy, dark green leaves look good even if you forget about it for weeks. It tolerates low light and only needs water when the soil is dry. The ZZ plant is also resistant to pests and disease. If you want a plant that thrives on neglect, this is it. Just keep it out of direct sunlight, which can scorch the leaves.

    3. Pothos

    Pothos is a classic beginner plant. Its trailing vines and heart-shaped leaves grow fast, even in low light. Pothos can survive in water or soil, and it bounces back quickly if you forget to water it. You can trim the vines to keep them tidy or let them trail for a wild look. Pothos is also known for filtering toxins from the air, making it a healthy addition to your home.

    4. Spider Plant

    Spider plants are easy to grow and hard to kill. They like bright, indirect light, but can handle low light too. Water them when the soil feels dry, and they’ll reward you with long, arching leaves and baby “spiderettes” that you can replant. Spider plants are non-toxic to pets, so they’re a safe choice if you have cats or dogs. They also help remove pollutants from indoor air.

    5. Peace Lily

    Peace lilies are forgiving and beautiful. They can survive in low light and only need water about once a week. The glossy leaves will droop when the plant is thirsty, so it’s easy to know when to water. Peace lilies also produce white flowers that last for weeks. They’re great for improving air quality, but keep them away from pets, as the leaves can be toxic if eaten.

    6. Cast Iron Plant

    The cast iron plant (Aspidistra elatior) lives up to its name. It can handle low light, temperature changes, and irregular watering. The dark green leaves grow slowly but steadily, and the plant rarely has problems with pests. If you want a plant you can almost forget about, the cast iron plant is a solid pick. It’s perfect for shady corners where other plants struggle.

    7. Aloe Vera

    Aloe vera is more than just a tough plant—it’s useful too. The thick, spiky leaves contain a gel that can soothe burns and cuts. Aloe likes bright, indirect light and needs water only when the soil is dry. Too much water can cause root rot, so it’s better to underwater than overwater. Aloe vera is a good choice for sunny windowsills and people who want a low-maintenance, practical plant.

    8. Jade Plant

    Jade plants are succulents that can live for decades with minimal care. They need bright light and occasional watering. Let the soil dry out between waterings to prevent root rot. Jade plants grow slowly and can be pruned to keep their shape. They’re also said to bring good luck, which can’t hurt. If you want a tough and attractive plant, jade is a great option.

    9. Philodendron

    Philodendrons are popular for their heart-shaped leaves and easy-going nature. They adapt to a range of light conditions, from low to bright indirect light. Water when the top inch of soil is dry. Philodendrons are forgiving if you forget to water now and then. They also grow well in hanging baskets or on shelves, adding a lush look to any room.

    10. Rubber Plant

    The rubber plant (Ficus elastica) is sturdy and striking. Its large, glossy leaves make a bold statement. Rubber plants like bright, indirect light, but can handle lower light too. Water the soil when it is dry to the touch. They can grow tall over time, but you can prune them to keep them manageable. Rubber plants are also known for their air-purifying abilities.

    Green Without the Guilt

    You don’t need to be a plant expert to enjoy houseplants. The ten houseplants listed here are tough enough for almost anyone. They can handle missed waterings, low light, and a little neglect. Adding greenery to your home doesn’t have to be stressful or expensive. With these easy-care options, you can enjoy the benefits of plants—like cleaner air and a more relaxing space—without the worry. Try one or two and see how simple it can be to keep something alive.

    What’s your experience with “unkillable” houseplants? Share your stories or tips in the comments.

    Read More

    The Benefits of Houseplants

    How to Create a Workspace That Feels Premium Without Overspending

  • Summer Shape Up 2025 | 6 Week Fitness Challenge

    Summer Shape Up 2025 | 6 Week Fitness Challenge


    Do you want to get fit, get toned, and feel confident all Summer long??? Join our Summer Shape Up Challenge! 

    What is the Summer Shape Up Challenge?

    Our Summer Shape Up is a 6 week challenge starting July 7th, 2025. Just 30 minute workouts a day, 6 days a week for 6 weeks!

     

    What to expect:

    1. Lose weight, tone your body, gain confidence, and feel good!

    2. Delicious & healthy recipes to help lose weight

    3. Daily workouts in my MOVE App you can do ANYWHERE, even on vacay;)

    4. LIVE workouts & coaching sessions with Katie

    5. Weekly Giveaways

    6. GRAND PRIZE 

      All your daily workouts will be available on our MOVE app. Plus, if you’re new to MOVE, you can get 7 Days FREE!

      Check under the “challenges” tab for your Summer Shape Up workouts, They will show up in the app on July 7th!!

      July 7th- 20th: Follow the 14 Day Shape Up
      July 21st – August 17th: Follow the 4 week Hot Body Meal Plan

      Lose up to 10 pounds this summer following this 6 week plan. Enjoy this easy-to-stick-to meal plan designed to burn fat, tone your body and help you slim down while still enjoying the foods you love!

      Accountability Groups

      Stay motivated and crush your goals with an Accountability Group during Summer Shape Up! These groups give you the support, encouragement, and fun community vibes to keep you going strong—plus, there’s a chance to win a prize!

      Why join a group? 

      • Motivation: Stay on track with your LSF babes cheering you on
      • Encouragement: Support on tough days
      • Community: Share tips, wins, and struggles
      • Girl time: Make friends and have fun
      • Prizes: Submit your group to win big!

      How to Create/Join an Accountability Group:

      • Comment on our IG post to introduce yourself
      • Reach out to connect and form your group
      • Pick your platform (DMs, text, FB, WhatsApp, etc.)
      • Choose a team name
      • Submit your group by July 14! 
      • Stay Connected through our Facebook Group and Instagram!

      Stay in the Loop:

      Throughout the challenge, we’ll be sharing new videos, delicious recipes, and hosting live sessions on @lovesweatfitness. Make sure to post your “I’M IN” graphic and tag @lovesweatfitness & @teamlsf

      Our Summer Shape Up Challenge is the perfect thing to get you in shape, feeling confident, and in that bikini this Summer!! 



  • His Side Hustle Led to 7 Figures and Richard Branson’s Island

    His Side Hustle Led to 7 Figures and Richard Branson’s Island


    This Side Hustle Spotlight Q&A features New York City-based entrepreneur Josh Turner, 34. Turner is the founder of Stand4Socks, a sock company that, for every pair sold, donates another to someone in need. The B Corporation has distributed more than 750,000 pairs across the UK, Europe, and most recently, Ukraine. Stand4Socks now sees more than $1 million in revenue a year. Responses have been edited for length and clarity.

    Image Credit: Courtesy of Stand4Socks. Josh Turner.

    What was your day job or primary occupation when you started your side hustle?
    I’ve been entrepreneurial since the age of 8, starting little businesses throughout my early years of life. When I was still in school, I did club nights, eBay, power selling, etc., and this laid the foundation for being a lifetime entrepreneur.

    Being dyslexic, I eventually had the opportunity to spend a lot of time with Richard Branson, one of the most famous British entrepreneurs who also has dyslexia, and he has been a real inspiration throughout my life.

    Related: After a 12-Year-Old’s Side Hustle Made Over $4,000 in 1 Day, He and His Dad Grew the Business to Nearly $50,000 a Month: ‘It Takes Commitment’

    I studied business at university, and when I started my career, I went to an entrepreneur accelerator program called NEF (New Entrepreneurs Foundation). I was placed in a big corporate job and, unfortunately, fired within six months on Christmas Eve. I never wanted to work in a big company, but as I looked for another job while on welfare benefits, I had the opportunity to launch this side project. In the UK, they give a little extra money to start a company on welfare. That was the starting point — being close to homelessness — but the extra money and time I had to pursue this when I lost my job was the launchpad.

    When did you start your side hustle, and where did you find the inspiration for it?
    In 2015, TOMS Shoes was huge at the time for its “buy one, give one” concept, and I saw how the mash-up of business and charity was actually an attainable and scalable concept. I liked the idea of a hybrid model of doing good as you do business, not the old school definition of “make money, then give to charity.” Rubber wristbands like Livestrong were also popular at the time, raising money, showing support and spreading awareness. However, at the end of the day, they were just rubber wristbands, and I figured there had to be a more meaningful and sustainable way to wear your values. That’s when the idea clicked: Why not use colorful socks to show what we stand for?

    We started in 2015 doing donations linked to the United Nations Global Goals. You wear one sock, and we plant 10 trees. Another sock supports gender equality and educates a child in Afghanistan. A third reduces child mortality; sales of the baby blue sock would help vaccinate kids against measles. One HIV and AIDS design wasn’t popular in the middle of 2016, so I started donating them to homeless shelters. I was quick (and surprised) to learn that throughout this donation process, many shelters told me no one ever donates socks — yet socks are the most requested item. Homeless people walk up to 10 miles a day, and not having fresh socks can lead to very severe foot health issues. That’s when the penny dropped. I realized we were putting so much effort into supporting causes worldwide, but we had missed something close to home: homelessness. We still do 10% of other causes (Ukraine, dyslexia, NHS socks, etc.). But now, the majority of our “buy one, give one” model supports people experiencing homelessness, which we use broadly to help refugees, people in Ukraine, children in poverty, older people and more.

    Image Credit: Courtesy of Stand4Socks

    What were some of the first steps you took to get your side hustle off the ground?
    At the time, I was a 23-year-old millennial who saw the power of the internet and how big of a factor that could be on the success of my business. One of the first things I did was learn to code and build a website; this was before even having socks or a factory. In my mind, I thought getting socks would be easy (turns out it wasn’t) and learning to code would be one of the harder business challenges to overcome. Secondly, I couldn’t afford a graphic designer or really any external expertise. So, I took it upon myself to learn graphic design using Illustrator and how to design socks. I used YouTube to learn both things, not courses, because I couldn’t afford them.

    Related: This Nashville Mom Started a Flexible Side Hustle on Facebook — Then Grew It From $1,000 to $275,000 a Month: ‘Like a Scavenger Hunt’

    I saved up my welfare money to use on travel to go to big trade shows to find a factory for sock production. I went to Paris, Hong Kong and Turkey for trade shows, staying in hostels and taking cheap buses (at the time I couldn’t afford direct flights or hotels). I would speak with people on site and say, “We’re from Stand4 Socks,” and we’d receive the same reaction: They had never heard of us. They knew of the big brands, but not us, because we didn’t have a factory yet. While not surprising, it presented a challenge for 23-year-old me, as it was a bit of a chicken-and-egg situation to get a factory to believe in us. After a lot of hard work, we eventually landed a factory that believed in us, one that we still have a longstanding relationship with now. They took a chance on us when no one else did. And now the people there are like family — they even came to my wedding!

    Are there any free or paid resources that have been especially helpful for you in starting and running this business?
    As I mentioned earlier, YouTube was massive for us. I frequently call it my co-founder. It taught me anything I needed to learn. Being dyslexic, I learn best from visuals and at my own pace. If I got lost, I could rewind or find another video on the topic. Shopify has also been a game-changer, especially as we’ve grown. It allowed us to launch a website quickly. As we expanded, we added apps and features to compete with bigger companies, which took time but has helped us scale effectively.

    If you could go back in your business journey and change one process or approach to save you time, energy or just a headache, what would it be, and how do you wish you’d done it differently?
    To save time and energy, I would get a grip on our financial numbers earlier. I’ve had mentors who emphasize financial details, and my dad has an accounting background. I’ve had times when we nearly ran out of money because we donated socks before sales came in or spent too much on stock without adequate cash flow. Using the accounting software Xero has been phenomenal for our business. It allows me to see our balance sheet in seconds, compare year on year and month on month, providing real-time financial insights and comparisons. Instead of having just annual business plans and cash flow forecasts, we are now able to review our numbers on a weekly or monthly basis, empowering us to stay closely attuned to the numbers. This, in turn, has created opportunities for us to take more calculated risks, know when things are tight and change strategy when needed.

    Image Credit: Courtesy of Stand4Socks

    When it comes to this specific business, what is something you’ve found particularly challenging and/or surprising that people who get into this type of work should be prepared for, but likely aren’t?
    We were fortunate enough to pitch on the UK’s version of Shark Tank called Dragon’s Den. One of the biggest obstacles we stumbled on was how we presented and understood our financial numbers. As someone with dyslexia, handling many different numbers under pressure was difficult, especially when we were thrown a ton of questions all at once. Since filming in 2019, we’ve grown significantly and recognized the value of having a grip on our numbers year-round as opposed to waiting until year-end. This is something we weren’t acutely aware of in the earlier stages of our business, but have grown to recognize how tremendous a difference it can make.

    Related: This Former Firefighter’s ‘Hidden’ Side Hustle Turned Full-Time Business Helps Keep Homes Safe — and Saw ‘Explosive Growth’ to Over $27 Million Revenue

    Can you recall a specific instance when something went very wrong? How did you fix it?
    Given how unexpected the pandemic was, challenges in our business escalated quickly, despite being an online business. Our factory shut down, and our supply chain was severely disrupted. We came up with the idea of launching a special “Help for Health Heroes” sock to support frontline workers and to address the PPE gap with quality socks. We started by launching a pre-sale as a way to support frontline workers and keep our lights on, with the caveat to customers that they likely wouldn’t get the socks for three months. We sold over 30,000 pairs of socks in that period, which helped keep our business alive and support a worthy cause. It really taught us the strength of our customers and mission and showed that a little creativity can go a long way.

    How long did it take you to see consistent monthly revenue? How much did the side hustle earn?
    It took about five years before we had consistent monthly revenue. For the first five years, I put a majority of my time into this business, but my income came from freelance work with digital marketing consulting for brands and other big companies. I actually learned these skills from building my business, and that’s how I was able to sustain myself and the business in the early days. I worked from my mom’s shed for the first five years, which helped me keep costs low and save up to eventually move out and continue to grow the business. This time period was invaluable for learning how the business operates, enabling more rapid and sustainable growth in the subsequent five years.

    What does growth and revenue look like now?
    We’re now a consistently seven-figure business annually and profitable. We’ve remained bootstrapped, though, and haven’t taken any outside investment. Our focus is to prioritize sustainable growth, our bottom line and profitability. With our expansion to the U.S. market, we expect 3x growth of the whole global business, and 10x in the next five years is what we’re working towards.

    What do you enjoy most about running this business?
    What I enjoy most about my business is also what makes it the hardest: No one tells you what to do. On one hand, you have to figure out everything yourself. There isn’t a playbook; no one is handing you a to-do list. But on the other hand, that’s exactly what makes it so rewarding. You get to set the direction, trust your gut and follow your instincts, rightly or wrongly. When working for a large corporation, I often saw inefficient decision-making. At this stage in my career, being so junior, I had no say, even though my gut was telling me there was a better way. Running my own business gives me an opportunity to take risks and course correct in real time. Sometimes those risks lead to flops, but other times, they’ve led to great success. The sense of freedom to build something your way is what keeps me going.

    Related: She Quit Her Job at Trader Joe’s After Starting a Side Hustle With $800 — Then She and Her Brother Grew the Business to $20 Million

    What is your best piece of specific, actionable business advice?
    Enjoy the journey. It’s going to be way harder than you think when you set out, but also way more rewarding than you’d ever expect. Don’t get overly caught up in milestones — appreciate the process.

    Also, the answer is always “no” if you don’t ask the question. So many people stop themselves from reaching out because of the fear of being rejected. But if the answer is already “no” in your head, and you reach out and get a “no,” then nothing’s changed. Don’t be afraid to reach out to people because you might just get a yes.

    Image Credit: Courtesy of Stand4Socks

    That mindset has taken me to some wild places. One of the most surreal examples? I ended up spending a week with Sir Richard Branson on his private Necker Island. That experience didn’t come from deep connections or privilege: It came from asking bold, often unreasonable questions and walking through doors some may have felt they had no business knocking on.

    Richard gave me a piece of advice that has stuck with me: “Hire people smarter than you, and then get out of their way.” It’s brilliant in theory, but when you bootstrap and are living in places like New York City, you often can’t afford to hire those people. So my approach has been to learn just the basics — whether development, sock design, marketing, etc. — and then delegate effectively. Don’t try to be an expert in everything, but have enough foundational knowledge to guide someone who is.

    Want to read more stories like this? Subscribe to Money Makers, our free newsletter packed with creative side hustle ideas and successful strategies. Sign up here.

  • Triple-I Blog | How Insurers Address Talent Gap Through Innovation & Technology

    Triple-I Blog | How Insurers Address Talent Gap Through Innovation & Technology


    Triple-I Blog | How Insurers Address Talent Gap Through Innovation & Technology

    As the insurance industry grapples with retirements and the challenge of attracting talent, forward-thinking insurers are finding success by combining traditional mentorship with cutting-edge technology, according to Triple-I’s latest Executive Exchange.

    The “Ascend” Approach to Talent Development

    David Corry, who heads Casualty for Argo Group, told Triple-I CEO Sean Kevelighan that the company’s “Ascend with Argo” program offers a blueprint for effective talent recruitment and retention. Rather than hoping young professionals will stumble into insurance careers, Argo actively partners with brokers to create meaningful experiences for early-career workers.

    By offering shadow days, continuing education, and direct access to industry leaders, programs like Ascend make insurance careers tangible and appealing.

    “Last month, we hosted a dozen young career brokers in our New York City office,” Corry said. “They spent a day with our underwriters and heard from senior leadership—giving them real exposure to how carrier operations work from the inside.”

    Technology as a Talent Magnet

    Cutting-edge technology – including generative AI – is transforming how insurers operate, as well as helping them attract tech-savvy talent who might otherwise overlook the industry. This creates what Corry calls “two-way learning,” with experienced professionals teaching industry fundamentals while younger workers contribute innovation skills. It’s a win-win that makes insurance careers more attractive to digitally minded professionals.

    What ties these efforts together is authentic leadership focused on people rather than personal advancement.

    “A strong leader is someone who’s in it for the people they work with, not for themselves,” Corry emphasizes.

    The insurance industry’s talent challenge is real, but companies are addressing it by combining innovative programs, mentorship, and technology adoption – demonstrating that insurance careers offer both stability and cutting-edge opportunities for the next generation of professionals.

  • How Much Does It Cost to Start a Business?

    How Much Does It Cost to Start a Business?


    Starting a business is a fairly common goal in the United States, with roughly 43% of Americans expressing entrepreneurial intentions[1]. But how much does it cost to start a business? You’ll need to know before you get started.

    If you’d like to transition to self-employment, here’s what you should know about how much it costs to start a business, why it’s such an important issue to consider, and how to save up the funds you need.

    Why Startup Costs Matter

    Startup costs are a critical consideration for would-be business owners and should factor heavily into your early financial planning.

    You need to know how much it costs to start a business to determine whether you can realistically do so. Some business models require more than you can afford, even with external financing, making them unattainable.

    👉 Learn more: Our guide on S.M.A.R.T. financial goals offers a step-by-step approach to planning your finances effectively, illustrated with examples.

    Others may be theoretically within your reach but require more capital than you’re willing to risk. After all, roughly 20% of businesses fail within their first two years. That goes up to around 45% over the first five years and about 65% over the first ten[2].

    You’ll also need a fairly accurate estimate of your startup costs to effectively prepare for the transition to self-employment. You want to be confident that you can cover your business expenses for a period without much revenue.

    Typically, you’ll use that estimate to determine how much money you need to save up or gain access to through a credit account before transitioning to self-employment.

    If they’re substantial enough, your startup costs can even impact your business’s finances over the long term. For example, if you get a 60-month business loan to purchase essential equipment, your profits will be lower for years due to the burden of servicing your debt.

    For all of these reasons and more, knowing your business’s startup costs is essential for making strategic business decisions, especially in the earlier days of your company.

    🤔 Learn more: Torn between employment and entrepreneurship? Our post on whether to get a job or start a business can help you decide.

    How to Estimate Your Startup Costs

    How to Estimate Your 
Startup Costs

    The cost of starting a business can vary wildly depending on your business model. For example, you can begin offering many services without paying anything, but opening a manufacturing company is prohibitively expensive for the average consumer.

    As a result, the average cost of starting a business isn’t a practical measurement for gauging your own startup costs, even if you could calculate it. Instead, find a way to estimate the costs for your unique circumstances.

    Let’s explore some strategies you can use.

    Study Comparable Businesses

    One of the best ways to estimate your startup costs is to study the expenses of existing operations like yours. While small businesses generally don’t publish their financial data like public companies do, you can still find information on them.

    Many small business owners who have achieved some success enjoy sharing their insights with those interested in following a similar path. As a result, you can often find interviews, podcasts, or articles online in which they discuss the details of their experiences.

    Alternatively, you can contact experts directly and ask for their advice yourself. They might participate in and be willing to answer questions in forums and social media, or you can attend networking events and attempt to connect with them in person.

    House flipping is a popular real estate business strategy that involves buying, rehabbing, and selling a property for profit. As you can probably guess, it’s an expensive business plan, and estimating costs accurately is essential for success.

    Fortunately, there are countless YouTube channels where flippers share the details of specific projects they’ve completed from start to finish, including their numbers. There are also real estate meetups in virtually every city where you can mingle with other real estate investors, ask them questions, and look for a mentor.


    Build a Budget From Scratch

    It’s generally more efficient to estimate your startup costs using someone else’s historical expenses. However, the information isn’t always readily accessible, and finding it can be more trouble than it’s worth.

    In that case, you can always create a budget for your company’s startup costs from scratch. It might not be as accurate, but you can easily factor the unknown into your budget by giving yourself a healthy contingency fund.

    Start by listing the expenses you’re sure you’ll have to pay to open your business. That’ll serve as the foundation of your budget. Then, list all the costs you anticipate but aren’t entirely sure about.

    💰 Learn more: Explore 5 practical ways to get money to start a business and kickstart your entrepreneurial journey today.

    Finally, inform your estimates for each cost with market research. Shop around with different vendors and get actual quotes so your numbers are as realistic as possible.

    Generally, the safest strategy is to use your most conservative budget. That would mean assuming your most pessimistic estimates are accurate and factoring in a cushion to account for your uncertainties.

    Say you want to start a lawn mowing business. You know what you’ll have to pay for equipment and transportation but aren’t sure how much you’ll need to pay for marketing and labor. To be safe, you include a conservative estimate of all the costs in your budget and factor in an additional 20% cushion to account for the unknown.

    💡 Free Resource: Monthly Budget Spreadsheet Template (Excel & Google Sheets)


    Common Costs of Starting a Business

    Expenses vary significantly between business models, but some are more common than others. If you have to build a budget from scratch, here are some costs you should probably include in your projections, no matter what product or service you offer.

    Administration

    If you want to do business as a legal entity other than a sole proprietor, you generally have to pay fees to a governing agency in your state. In addition, you’ll probably want to hire someone to draft documents like operating agreements or articles of incorporation.

    Similarly, some businesses require that you purchase a license to offer whatever products or services you sell. Operate without them, and you risk incurring penalties or having your business activities shut down.

    Finally, you’ll usually need to pay for bookkeeping services to keep your financial records in order. Depending on your needs, that can be anything from a software subscription to a professional service provider.


    Marketing

    Client acquisition is essential for every business, from real estate agencies to e-commerce websites. Not all forms of marketing cost money, but many of the most effective ones do, especially those that work for new companies.

    When drafting your initial budget, it’s a good idea to leave some extra room in the marketing category since you can’t predict whether your early strategies will be successful. You may have to experiment until you find something that works for you, which will cost more money.


    Materials

    If you want to sell something tangible, you’ll inevitably have to pay for materials to create your final offering. That applies whether you’re assembling your product from scratch or merely refurbishing previously used goods.

    Material costs are often one of the most significant expenses for product-centered businesses and have a large impact on profitability. You want to ensure that your raw material costs are roughly equal to or lower than your peers’ to compete effectively.


    Labor

    Small businesses often start as one-person operations, which can work well for many self-employed people. However, you must incur labor costs eventually if you want to scale things up.

    Like materials, labor is often one of the more significant business costs. You may be able to reduce it by using independent contractors rather than employees, but hiring people consistently is always relatively expensive.


    Overhead

    Whatever your business is, you’ll often need space to conduct certain aspects of your operation. That could be an office to meet with clients, a storage unit to house your inventory, or even a factory to manufacture your products.

    Assuming you can’t or don’t want to run your business out of your personal residence, you’ll need to lease or buy a separate space. That means taking on monthly rent or financing payments and utility costs.


    Equipment

    Businesses often need specialized equipment to offer whatever product or service they sell. That could be anything from a laptop computer for a freelance writer to a large commercial vehicle for a long-haul trucker.

    Many of the most expensive business models are costly because the equipment they involve is expensive. If you pick a business that doesn’t require you to purchase any significant fixed assets, there’s a good chance you’ll have affordable startup costs.


    Insurance

    There are many types of business insurance, and it’s likely that at least one will be beneficial to you, no matter what your business is. Some policies may actually be required, such as workers’ compensation insurance when you have employees.

    Some of the other most common types of business insurance include general liability insurance, commercial property insurance, and business income insurance. Many self-employed people buy a business owner’s policy, which combines all three.


    Professional Services

    Labor expenses generally refer to the cost of hiring someone for ongoing help with your primary operation. In contrast, professional service fees go to external parties you contract to manage a secondary aspect of your business that’s outside your wheelhouse.

    You might hire a Certified Public Accountant (CPA) to do your taxes. Some other common professional service costs include fees paid to lawyers, information technology (IT) consultants, and marketing agencies.


    Taxes

    Last but certainly not least, every business has to pay taxes on their profits. In addition to income taxes, that also includes a flat 15.3% self-employment tax. It’s the combination of the Social Security and Medicare taxes that employees get to split with their employees.

    In most cases, it’s best to hire a CPA for assistance with tax planning and preparation. You might be able to get away without one if your business is relatively simple, but as it grows in size and complexity, a CPA becomes increasingly valuable.

    📗 Learn More: Our latest post unveils 8 powerful ways how to save on taxes, helping you keep more money in your pocket.


    How to Prepare Your Finances for Starting a Business

    How much does it cost to start a business? If you’re asking that question, you already understand the importance of anticipating and preparing for your startup costs.

    Starting a business that requires upfront and ongoing costs is inherently riskier than working for someone else. If your company fails or goes without revenue, you stand to lose your investment and source of income while having lingering business bills to pay.

    As a result, it’s essential that you prepare your finances for self-employment by building a healthy runway of cash. The process isn’t too different from saving up an emergency fund to protect yourself as an employee.

    Generally, this involves saving enough cash to weather the worst-case scenario. Just like it does for employees, that means having the funds to pay your bills during an extended period of little to no income.

    However, there are several differences that mean your fund will probably need to be larger than the average employee’s. They include the following:

    • Longer timeline: Most employees aim to have three to six months of expenses in their emergency fund because that’s the length of the average job search. However, it can take much longer for your business to become profitable.
    • Higher costs: When an employee loses their job, they only need to be able to support their household. When business owners go without revenue, they must also cover their company’s recurring costs.
    • No unemployment: When an employee loses their job, they can often fall back on unemployment insurance to offset their cost of living. Unfortunately, business owners generally don’t have access to the same benefits.

    You can reduce your need for a cash runway by maintaining a second source of income while you get started, but that means you’ll have less time and energy to devote to your new business. There are pros and cons to both approaches, so consider carefully.

    📗 Learn More: How to Start a Business While Working Full-time (And Replace Your Job)

  • AIP (Autoimmune Protocol) Diet: The Definitive Guide 

    AIP (Autoimmune Protocol) Diet: The Definitive Guide 


    The Autoimmune Protocol (AIP) diet is a specialized elimination diet designed to help individuals with autoimmune diseases identify foods that may be triggering inflammation. Often referred to as the autoimmune protocol or autoimmune diet, this approach removes potentially inflammatory foods and slowly reintroduces them to assess their effects. Rooted in the connection between diet and autoimmune disease, the AIP diet plan is based on the idea that certain foods can cause the immune system to mistakenly attack the body’s own tissues. This can worsen symptoms in individuals with conditions like rheumatoid arthritis, Crohn’s disease, lupus, or multiple sclerosis.

    For many, the autoimmune protocol diet offers a structured and supportive way to manage symptoms through dietary changes. While it can be effective in reducing inflammation and improving overall well-being, the autoimmune diet protocol is quite restrictive and should be followed under the guidance of a healthcare provider. Those exploring diets for autoimmune disease often turn to the AIP protocol as it emphasizes nutrient-dense, anti-inflammatory foods while eliminating common triggers. Understanding what the AIP diet is and how to build an autoimmune protocol diet food list can help nutrition professionals and autoimmune nutrition specialists better support clients on their healing journey.

    Autoimmune Holistic Nutrition Specialist Program Guide

    Learn How to Become an AFPA Autoimmune Holistic Nutrition Specialist in Less Than 6 Months

    Become an expert in helping people living with an autoimmune disease feel better. 

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    What Is the AIP Diet, and What Is It Designed to Do? 

    The Autoimmune Protocol (AIP) diet is a highly structured elimination diet designed to help individuals with autoimmune conditions identify foods that may trigger inflammation and immune responses. Autoimmune diseases occur when the immune system mistakenly attacks the body’s own healthy tissues, leading to chronic inflammation and a range of symptoms. The AIP diet operates on the premise that certain foods can overstimulate the immune system, contributing to flare-ups and disease progression. By temporarily removing potentially inflammatory foods—such as grains, legumes, dairy, refined sugars, processed foods, and nightshade vegetables—the autoimmune protocol diet aims to calm immune activity and support gut healing.

    The elimination phase of the AIP diet typically lasts 30 to 60 days and focuses on nutrient-dense, anti-inflammatory foods such as wild-caught fish, grass-fed meats, leafy greens, fermented vegetables, and bone broth. These foods are chosen for their potential to reduce inflammation and support gut health—key goals of the autoimmune protocol. After this phase, foods are gradually reintroduced one at a time, allowing individuals to track how each item affects their symptoms. For example, someone with rheumatoid arthritis might find that reintroducing nightshades like tomatoes causes joint pain to flare up, signaling a need to avoid them long term. This methodical approach has helped some people with autoimmune conditions like Crohn’s disease and multiple sclerosis gain more control over their symptoms.

    Who Is the AIP Diet For?  

    The autoimmune protocol (AIP) diet is specifically designed for individuals diagnosed with autoimmune diseases—conditions in which the immune system mistakenly attacks healthy tissue, leading to chronic inflammation and damage. This therapeutic elimination diet is also sometimes recommended for individuals with other inflammatory disorders, such as inflammatory bowel disease (IBD) or irritable bowel syndrome (IBS). The AIP diet helps reduce inflammation by removing foods known to trigger immune responses and instead emphasizes nutrient-dense, anti-inflammatory options that support immune regulation and gut health. It is not intended to be a weight loss diet or a general wellness plan for those without autoimmune concerns. The goal of the AIP protocol is to identify personal food triggers and improve symptoms through careful reintroduction after the elimination phase.

    That said, the AIP diet may not be suitable for everyone. Individuals with certain medical conditions, nutritional deficiencies, or those who are underweight or at risk of disordered eating should exercise caution. As with any restrictive diet, it’s important to follow the AIP under the guidance of a qualified healthcare provider or registered dietitian. If you don’t have an autoimmune condition but are interested in reducing inflammation, you might explore the anti-inflammatory diet, which focuses on incorporating foods that combat inflammation and omitting those that are known to promote it. This approach is less restrictive than the AIP but still supports long-term health and wellness by emphasizing whole, plant-based, and nutrient-dense foods.

    How Diet Can Influence Autoimmune Conditions 

    Your overall pattern of eating can significantly impact autoimmune symptoms and inflammation levels. Whether or not you follow a specific diet like the AIP or the Mediterranean diet, what you eat—and how often—affects your immune system. Diets high in processed foods, sugar, and unhealthy fats are known to be pro-inflammatory and can worsen autoimmune conditions. On the flip side, nutrient-dense diets rich in vegetables, fruits, healthy fats, and lean proteins help calm inflammation and support immune health.

    Even foods generally seen as healthy can trigger immune reactions in some people. For example, whole grains may cause flare-ups in those with celiac disease or gluten sensitivity, which is why they’re excluded during the AIP elimination phase. Nutrients like omega-3 fatty acids (found in fish, flaxseed, and chia) have been shown to reduce inflammation in autoimmune diseases like rheumatoid arthritis. Research also links Mediterranean-style eating to lower rates of autoimmune conditions. Whether through the AIP diet, a diet for autoimmune disease, or a personalized anti-inflammatory plan, food can be a powerful tool in managing autoimmune symptoms and promoting overall well-being.

    Dietary patterns—your consistent way of eating—play an important role in influencing inflammation and immune function, both of which are central to the development and management of autoimmune diseases. A person’s diet includes not only the types of food consumed but also the frequency, preparation methods, and combinations of foods eaten over time. Even without following a named plan like the AIP or the Mediterranean diet, most people follow eating patterns influenced by culture, preferences, beliefs, and accessibility. Research shows that these patterns can either contribute to chronic inflammation or help reduce it. Diets high in ultra-processed foods, added sugars, and saturated fats are considered pro-inflammatory and can worsen autoimmune symptoms. In contrast, nutrient-dense diets rich in vegetables, fruits, healthy fats, and lean proteins tend to be anti-inflammatory and help modulate immune responses.

    In some cases, individuals may experience immune reactions to foods that are generally considered healthy. For example, while whole grains are often anti-inflammatory for the general population, they can cause inflammation in those with celiac disease or non-celiac gluten sensitivity—making them problematic in a diet for autoimmune disease. This is why gluten-containing foods are excluded in the AIP elimination phase. Additionally, specific nutrients have been shown to help reduce autoimmune-related inflammation. Omega-3 fatty acids—found in salmon, sardines, flaxseed, and chia seeds—have demonstrated positive effects in conditions like rheumatoid arthritis. Diets like the Mediterranean diet, which includes these fats alongside whole grains, legumes, and a high intake of produce, have been linked to lower rates of autoimmune disease. Whether through the AIP diet, a Mediterranean-style eating plan, or a tailored anti-inflammatory approach, dietary choices play a foundational role in managing symptoms and supporting immune resilience.

    How Can the AIP Diet Help Manage Autoimmune Conditions? 

    The autoimmune protocol (AIP) diet can help manage autoimmune conditions by reducing inflammation and identifying trigger foods that may be exacerbating symptoms. 

    Autoimmune diseases occur when the immune system mistakenly attacks healthy tissues in the body, leading to chronic inflammation and damage. The AIP diet is designed to reduce inflammation by eliminating potentially inflammatory foods and focusing on nutrient-dense, anti-inflammatory foods. 

    By eliminating foods such as grains, legumes, dairy, processed foods, refined sugars, and nightshade vegetables, the AIP diet removes common triggers of inflammation and helps to calm down the immune system. This reduction in inflammation can lead to improvements in symptoms such as joint pain, fatigue, and digestive issues. 

    1. Reduces inflammation: The AIP diet eliminates potentially inflammatory foods and focuses on nutrient-dense, anti-inflammatory foods. This can help reduce inflammation in the body, which can in turn improve symptoms of autoimmune diseases. 
    2. Identifies trigger foods: The AIP diet involves a period of elimination followed by a gradual reintroduction of foods to identify trigger foods that may be exacerbating symptoms. This can help individuals with autoimmune conditions better understand their triggers and make informed decisions about what foods to include in their diet. 
    3. Improves gut health: The AIP diet focuses on gut-healthy foods such as bone broth, fermented foods, and probiotics. This can help to improve gut health, which is important for overall immune function and inflammation levels in the body. In fact, the AIP diet is commonly used in people with inflammatory bowel disease to help reduce symptoms.  
    4. Supports nutrient intake: The AIP diet encourages the consumption of nutrient-dense foods such as fruits, vegetables, and lean proteins. This can help individuals with autoimmune conditions get the nutrients they need to support their overall health and manage their conditions. 

    Overall, the AIP diet can be a helpful tool for managing autoimmune conditions by reducing inflammation, identifying trigger foods, improving gut health, supporting nutrient intake, and promoting a healthy lifestyle. However, it is important to note that the AIP diet should not be used as a replacement for medical treatment and should only be undertaken with the guidance of a healthcare professional. 

    The AIP for Beginners: Steps and Food List 

    Like most elimination diets, the AIP is a short-term diet aimed at identifying foods that trigger autoimmune response symptoms. In general, elimination diets have three phases: the elimination phase, the reintroduction phase, and the maintenance phase. These phases vary between elimination protocols. Below is the general description of the steps of the AIP protocol.  

    Along with diet, adequate hydration and regular physical activity are encouraged and help to support immune function.  

    NOTE: The AIP diet should be undertaken with the guidance of a healthcare professional, particularly if you have a pre-existing medical condition or are taking medication. Additionally, it is important to ensure that you are still getting all the nutrients your body needs while following the diet, which may require supplementation or careful meal planning. 

    Elimination Phase: Eliminating Potentially Inflammatory Foods 

    The first step of the AIP diet is the elimination phase, which involves eliminating potentially inflammatory foods for a period of time. This typically lasts 4-6 weeks but can vary depending on individual needs and response time. This time allows your body to stabilize after sustained periods of activated immune mechanisms. Foods that most often cause an immune response and thus are eliminated are: 

    • Grains (including gluten-containing grains such as wheat, barley, and rye) 
    • Legumes (including soy, peanuts, and beans) 
    • Dairy products (including milk, cheese, and yogurt) 
    • Processed foods (including those with additives, preservatives, and artificial ingredients) 
    • Refined sugars and sweeteners 
    • Nightshade vegetables (including tomatoes, eggplants, peppers, and potatoes) 
    • Alcohol 
    • Any other foods you suspect you might be sensitive to 

    During the elimination phase, it is recommended to focus on nutrient-dense, anti-inflammatory foods such as: 

    • Vegetables (except for nightshades) 
    • Fruits (in moderation) 
    • Lean protein sources (such as grass-fed beef, wild-caught fish, and pasture-raised poultry) 
    • Fermented foods (such as sauerkraut and kimchi) 
    • Healthy fats (such as olive oil, coconut oil, and avocado) 

    If you do not see any improvements in symptoms during this time, it is likely that other foods are the ones that are causing immune reactions. Ask family members about sensitivities, where possible, or consult with an allergist, physician, or dietitian specialized in integrative nutrition to identify what these foods might be and start the elimination protocol again, keeping the list above but eliminating those specific foods as well.  

    Reintroduction Phase: Gradually Reintroducing Foods 

    After the elimination phase, the next step of the AIP diet is the reintroduction phase. This involves reintroducing foods eliminated in the first phase one at a time to identify any potential trigger foods that may be exacerbating symptoms. This is typically done over a period of several weeks or months, depending on individual needs. 

    During the reintroduction phase, you should generally reintroduce one food group at a time and wait several days before reintroducing the next food group. This is because most immune reactions that are not due to food allergies take several days to appear. 

    If you have suspicions as to which foods are causing your symptoms, reintroduce these foods first, one at a time, and wait a week before introducing additional new foods. If you notice symptoms, eliminate the food again immediately and continue the reintroduction process.  

    Maintenance Phase: Finding Your New Normal 

    Once trigger foods have been identified, the final step of the AIP diet is the maintenance phase. This involves continuing to avoid trigger foods while incorporating a variety of nutrient-dense, anti-inflammatory foods into the diet in a sustainable fashion. This can help to reduce inflammation and manage autoimmune symptoms over the long term. 

    Foods “Allowed” While on the AIP Diet 

     While following the autoimmune protocol (AIP) diet, the focus is on consuming nutrient-dense, anti-inflammatory foods. Here is a list of foods that are generally allowed on the AIP: 

    • Vegetables (except for nightshades such as tomatoes, peppers, eggplants, and potatoes) 
    • Fruits (in moderation) 
    • Lean protein sources such as grass-fed beef, wild-caught fish, and pasture-raised poultry 
    • Organ meats such as liver 
    • Fermented foods such as sauerkraut and kimchi 
    • Healthy fats such as olive oil, coconut oil, and avocado 
    • Bone broth 
    • Herbs and spices (except for seeds and nightshades) 
    • Non-dairy milk alternatives such as coconut milk or nut milk (without additives or sweeteners) 

    It is important to note that while these foods are generally allowed on the AIP diet, individual needs may vary, and certain foods may need to be limited or avoided based on personal sensitivities or reactions. Additionally, it is important to ensure that you are still getting all of the nutrients your body needs while following the diet, which may require careful meal planning or supplementation.  

    What Might a Day of Meals Look Like While on the AIP Elimination Phase? 

    The AIP elimination phase focuses on nutrient-dense, anti-inflammatory foods while avoiding common triggers like grains, dairy, legumes, nightshades, and processed ingredients. If you’re wondering what meals can look like without your usual staples, don’t worry—eating on the AIP diet can still be flavorful, satisfying, and varied. Below is an example of a full day of AIP-friendly meals to inspire your planning.

    Breakfast: 

    • A bowl of sautéed spinach and mushrooms cooked in coconut oil, seasoned with herbs like garlic (if tolerated) and turmeric.
    • Half an avocado for healthy fats and fiber.
    • A smoothie made with coconut milk, half a banana, and a handful of mixed berries for a nutritious start.

    Snack: 

    • Sliced apple with a tablespoon of coconut butter for a satisfying crunch with a creamy texture.

    Lunch: 

    • Grilled chicken breast seasoned with AIP-compliant herbs and spices.
    • Steamed broccoli dressed with olive oil and a squeeze of fresh lemon juice.
    • Sweet potato mash made with coconut oil and cinnamon for a sweet and savory flavor.

    Snack: 

    • Carrot sticks with guacamole, a perfect combination for a dose of healthy fats, antioxidants, and vitamins.

    Dinner: 

    • Baked salmon seasoned with dill, lemon slices, and a touch of sea salt, wrapped in parchment paper to lock in moisture and flavor.
    • Roasted brussels sprouts tossed in olive oil and seasoned with salt (herbs like rosemary can be added if tolerated).
    • Cauliflower rice made with coconut oil and turmeric, providing a flavorful and colorful side dish.

    Before bed: 

    • Herbal tea without caffeine, such as chamomile or ginger tea, to support relaxation and digestion.

    It’s important to remember that individual needs and preferences vary, and it’s a good idea to work with a healthcare professional or registered dietitian to ensure you are meeting your nutrient needs while on the AIP elimination phase.  
     

    Foods to Avoid on the Autoimmune Protocol Diet 

    While following the autoimmune protocol (AIP) diet, certain foods are eliminated in order to reduce inflammation and give the body time to heal. Here is a list of foods that are generally avoided on the AIP: 

    • Grains such as wheat, oats, rice, and corn 
    • Legumes such as beans, lentils, and peanuts 
    • Nightshade vegetables such as tomatoes, peppers, eggplants, and potatoes 
    • Dairy products 
    • Processed foods and refined sugars 
    • Artificial sweeteners 
    • Eggs 
    • Nuts and seeds 
    • Vegetable oils such as soybean oil, corn oil, and canola oil 
    • Alcohol 
    • Coffee and other caffeinated beverages 

    It is important to note that while these foods are generally avoided on the AIP diet, individual needs may vary, and certain foods may need to be limited or avoided based on personal sensitivities or reactions. Additionally, it is important to ensure that you are still getting all of the nutrients your body needs while following the diet, which may require careful meal planning or supplementation. 

    Impact of AIP on Specific Autoimmune Conditions 

    The AIP diet may be effective for a variety of autoimmune conditions, in which the immune system attacks healthy tissues in the body, causing inflammation and damage. Here are some examples of autoimmune conditions that the AIP diet may be helpful for: 

    Note that for many of the conditions listed above, there is limited clinical evidence to demonstrate the effectiveness of the AIP in reducing symptoms, since most of the autoimmune response of these conditions, except for IBD, are not primarily triggered by food. However, the introduction and sustained consumption of anti-inflammatory foods as part of the regular diet can help to reduce symptoms. In other words, the “maintenance phase” focusing primarily on foods with anti-inflammatory properties may help the individual manage symptoms.  

    Additionally, the AIP diet may also be helpful for other inflammatory conditions, such as irritable bowel syndrome (IBS) and chronic fatigue syndrome (CFS). However, it is important to note that the AIP diet may not be suitable for everyone, especially those with certain medical conditions or nutritional deficiencies. It is always a good idea to consult with a healthcare professional or registered dietitian before making any significant changes to your diet. 

    Health Benefits of the AIP Diet for People with Autoimmune Diseases 

    The autoimmune protocol (AIP) diet may provide several health benefits for individuals with autoimmune diseases. Here are some potential benefits of the AIP diet: 

    • Improved autoimmune symptom appearance and management: In people with autoimmune diseases, the purpose of the AIP is to eliminate trigger foods and increase the consumption of anti-inflammatory foods, which could help improve symptoms and overall wellness.  
    • Reduced inflammation: The AIP diet eliminates foods that are known to trigger inflammation and replaces them with anti-inflammatory foods, such as vegetables, fruits, healthy fats, and nutrient-dense proteins. This can help reduce chronic inflammation, a key factor in the development and progression of autoimmune diseases. 
    • Improved gut health: The AIP diet focuses on gut-healing foods, such as bone broth, fermented foods, and other nutrient-dense foods that support the growth of beneficial gut bacteria. This can help improve gut health, which is often disrupted in individuals with autoimmune diseases. 
    • Improved nutrient status: The AIP diet emphasizes nutrient-dense foods that are rich in vitamins, minerals, and other essential nutrients. This can help improve overall nutrient status, which is often compromised in individuals with autoimmune diseases due to malabsorption, gut inflammation, and other factors. 
    • Improved overall health: By reducing inflammation, improving gut health, and supporting nutrient status, the AIP diet may help improve overall health and reduce the risk of chronic diseases. 

    It’s important to note that the AIP diet may not be appropriate for everyone, and individual needs and responses may vary. It’s always a good idea to work with a healthcare professional or registered dietitian to determine whether the AIP diet is appropriate for your individual needs and goals. 

    Can the AIP Diet Improve Gut Health?  

    The autoimmune protocol (AIP) diet may help improve gut health in people with autoimmune conditions in several ways. Here are some potential mechanisms by which the AIP diet may improve gut health: 

    1. Elimination of common gut irritants: The AIP diet eliminates common gut irritants such as gluten, dairy, soy, and processed foods. This can help reduce inflammation and irritation in the gut, which is essential for gut healing. Note that even though these are among the most common gut irritants, most people, particularly those who do not have an autoimmune condition, are not affected by these foods.  
    2. Increased consumption of nutrient-dense foods: The AIP diet emphasizes the consumption of nutrient-dense foods such as vegetables, fruits, and healthy fats. These foods are rich in vitamins, minerals, and antioxidants, which are essential for gut healing and overall health. 
    3. Increased consumption of fiber: The AIP diet encourages the consumption of fiber-rich foods such as fruits, vegetables, and starchy tubers. Fiber is essential for maintaining healthy gut bacteria and promoting regular bowel movements. 
    4. Incorporation of gut-healing foods: The AIP diet includes foods that are known to support gut healing, such as bone broth and fermented foods. These foods are rich in nutrients such as collagen, glutamine, and probiotics, which can help repair the gut lining and support the growth of beneficial gut bacteria. 
    5. Reduction in gut dysbiosis: Dysbiosis, or an imbalance of gut bacteria, is common in individuals with autoimmune diseases. The AIP diet can help restore balance to the gut microbiome by eliminating foods that promote the growth of harmful bacteria and increasing the consumption of foods that support the growth of beneficial bacteria. 

    In summary, the AIP diet may improve gut health by reducing gut irritants, increasing consumption of nutrient-dense foods and fiber, incorporating gut-healing foods, and reducing gut dysbiosis. Improved gut health can have far-reaching effects on overall health, as the gut plays a critical role in digestion, nutrient absorption, immune function, and more. 

    Does the AIP Diet Decrease Inflammation? 

    Yes, the autoimmune protocol (AIP) diet is designed to reduce inflammation in the body, specifically in people with autoimmune conditions. The AIP diet eliminates foods that are most likely to trigger the immune system and cause inflammation, such as grains, legumes, dairy, processed foods, and refined sugars. These foods can be difficult for some people to digest and can irritate the gut lining, leading to increased inflammation and immune system activation. 

    Note, however, that the purpose of the AIP is to identify which specific foods trigger symptoms of inflammatory responses. If you don’t have an autoimmune condition but are interested in eating a diet rich in anti-inflammatory foods, consider learning more about the anti-inflammatory diet, which is focused on the consumption of anti-inflammatory foods and the reduction of pro-inflammatory foods.  

    On the AIP diet, these inflammatory foods are replaced with nutrient-dense, anti-inflammatory foods that support overall health and healing, such as: 

    • Vegetables (except for nightshades) 
    • Fruits (in moderation) 
    • High-quality meats, fish, and seafood 
    • Healthy fats from sources such as coconut oil, olive oil, and avocado 
    • Bone broth and other gut-healing foods 

    By eliminating inflammatory foods and replacing them with nutrient-dense, anti-inflammatory foods, the AIP diet may help to reduce inflammation in the body and improve symptoms of autoimmune conditions and other inflammatory conditions. However, it is important to note that individual needs and responses may vary, and it’s always a good idea to work with a healthcare professional or registered dietitian to ensure that the AIP diet is appropriate for your individual needs. 

    Is the AIP Diet Easy to Follow? 

    Most people find that the AIP diet is not an easy diet to follow. It requires a significant change in dietary patterns, which is why it is not designed for everyone. Those who take on the AIP are often people whose symptoms are very difficult to manage and who have high motivation to identify the cause of the symptoms.   

    Anyone with an autoimmune disease who is interested in determining what foods might be potentially exacerbating symptoms and learning to follow an eating pattern rich in anti-inflammatory foods can follow the AIP with the support of a specialized health professional.  

    The Bottom Line on AIP

    The autoimmune protocol (AIP) diet is a powerful tool that may help individuals with autoimmune diseases reduce inflammation, improve gut health, and support overall health and wellbeing. By eliminating inflammatory foods and replacing them with nutrient-dense, anti-inflammatory foods, the AIP diet provides a framework for improving nutrition and reducing inflammation, two key factors in the development and progression of autoimmune diseases. While the AIP diet may not be appropriate for everyone, it can be a valuable tool for those looking to improve their health and manage autoimmune conditions. As always, it’s important to work with a healthcare professional or registered dietitian to determine whether the AIP diet is appropriate for your individual needs and goals. 

    Autoimmune Holistic Nutrition Specialist Program Guide

    Learn How to Become an AFPA Autoimmune Holistic Nutrition Specialist in Less Than 6 Months

    Become an expert in helping people living with an autoimmune disease feel better. 

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    target: “#hbspt-form-1750721502000-1234793791”,
    region: “na1”,

    })});

    Sasha Aparicio

    Written by

    Sasha Aparicio, M.S.

    Sasha Aparicio, MS, is a Food and Nutrition Anthropologist with a BA from Tufts University, and an MS in Food and Nutrition from the University of San Carlos. Sasha is a Certified Nutrition Coach and an experienced adult educator, university professor, instructional designer, program director, content writer, researcher, and health content strategist. Over the course of her career, she has worked in international development, public health, consumer qualitative research, and nutrition program management, among others. 

    References 

    1. https://www.mdpi.com/1420-3049/26/4/985 
    2. https://www.ingentaconnect.com/content/ben/emiddt/2014/00000014/00000004/art00003  
    3. https://academic.oup.com/crohnscolitis360/article/1/3/otz019/5544574  
    4. https://www.cureus.com/articles/18455#!/ 
    5. https://escholarship.org/content/qt13m8d574/qt13m8d574.pdf  
    6. https://www.mdpi.com/2673-9992/18/1/10  
    7. https://www.mdpi.com/1422-0067/23/9/5144  
    8. https://www.sciencedirect.com/science/article/pii/S0899900712000500  
    9. https://cdn.mdedge.com/files/s3fs-public/issues/articles/ct104002007_si.pdf  
    10. https://www.science.org/doi/abs/10.1126/science.aau5812 
    11. https://onlinelibrary.wiley.com/doi/full/10.1111/imm.12765  
    12. https://www.mdpi.com/2072-6643/11/8/1806  

    The post AIP (Autoimmune Protocol) Diet: The Definitive Guide  appeared first on AFPA.

  • Smart Passive Income Merge Their Two Entrepreneur Communities

    Smart Passive Income Merge Their Two Entrepreneur Communities


    Sandy Mann, Director of Marketing
    SPI Media
    [email protected]

    Smart Passive Income (SPI) is excited to announce the merger of its two entrepreneurial online communities into one unified SPI Community. This integration introduces a three-tiered membership structure designed to provide targeted resources and benefits that support entrepreneurs from the early stages of ideation to achieving full-time income.

    The decision behind the merger

    For years, SPI successfully operated two distinct communities: the All-Access Pass for early-stage entrepreneurs and SPI Pro for advanced business owners. While these communities served members well, SPI recognized the potential to deliver even greater value by combining them into one unified space.

    “When I joined SPI, we began exploring why these two communities existed separately,” said Caleb Wojcik, CEO of Smart Passive Income. “It became clear that merging them into one place would enhance interactions, learning, and networking opportunities for everyone. This also led us to implement a tiered structure to better meet the needs of entrepreneurs at every stage, including features like mastermind groups, sprints, and quests to foster connection and progress.”

    These changes ensure members can share insights, collaborate, and grow together within a more dynamic, supportive entrepreneurial ecosystem.

    The new tiered membership structure

    The SPI Community now offers three membership tiers tailored to different levels of entrepreneurial growth and unique learning needs:

    • Start: Geared toward beginners, this tier provides DIY education through self-paced courses, live events, and discussion channels to help members build a strong foundation.
    • Accelerate: Designed for those seeking additional support and accountability in a do-it-with-you setting, this tier includes everything in Start plus benefits like cohort-based course accelerators, peer-led masterminds, monthly quests, and office hours with Pat Flynn.
    • Thrive: Built for established entrepreneurs, this application-based tier with quarterly enrollment periods offers exclusive access to vetted Mastermind groups, quarterly Sprints, additional office hours with Pat Flynn, the Full-Time Entrepreneur Playbook, and expert-led Thrive-only discussion channels.

    This marks the start of an exciting new phase for Smart Passive Income. By uniting its communities and introducing a tiered membership structure, SPI is reinforcing its commitment to equipping members with the knowledge, tools, and connections they need to achieve their business goals — supported by a community of like-minded entrepreneurs.

    To learn more about the decision to restructure and merge the communities, listen to the bonus podcast episode, The Updated SPI Community Is Here—Behind the Scenes of What’s New with Caleb Wojcik. The episode is available at https://www.smartpassiveincome.com/podcasts/the-updated-spi-community/.

    About Smart Passive Income

    Smart Passive Income (SPI) is committed to guiding entrepreneurs from idea to income through education, feedback, and accountability. Founded by Pat Flynn, SPI equips individuals with the tools and support to achieve personal fulfillment, financial independence, and long-term success. By offering a range of resources and a thriving membership community, SPI fosters collaboration, innovation, and growth. Rooted in the belief that entrepreneurship is the best path to controlling your future, SPI empowers its members to build meaningful and sustainable businesses. Learn more at smartpassiveincome.com.

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  • Future-Proof Your Network with Cisco’s SD-WAN

    Future-Proof Your Network with Cisco’s SD-WAN


    In the same way that modern navigation systems have transformed how we travel, a robust and seamless network has become the essential guide for businesses in the modern age. Imagine trying to navigate a busy city with outdated maps or relying on a GPS system that doesn’t adapt to new routes. That’s the reality many organizations face when their networking solutions aren’t flexible, secure, or scalable enough to keep up with the evolving business landscape. 

    Now, imagine having a GPS that’s constantly updated, reliable, and capable of guiding you effortlessly through any traffic or detours. That’s what Cisco SD-WAN delivers—an intelligent, secure, and simplified solution to help businesses stay on track, adapt to changing environments, and protect their users, data, and devices everywhere. 

    This blog kicks off our Simpler, Smarter, and Safer series—a look at how Cisco SD-WAN helps customers build networks that are: 

    • Simpler to manage, minimizing operational overhead and complexity while maximizing efficiency. 
    • Smarter in decision-making, harnessing AI-powered intelligence to drive superior outcomes with enhanced performance and unwavering assurance. 
    • Safer against evolving threats, ensuring consistent protection everywhere without compromising performance. 

    During Cisco Live, we unveiled the latest updates to our SD-WAN solutions, showcasing Cisco’s ongoing commitment to innovation. These advancements are designed to empower businesses with seamless network management while delivering secure and resilient connectivity.  

    Today’s enterprises need consistent, cloud-delivered protection, no matter how users connect or where apps reside. Cisco Secure Access delivers exactly that, serving as the common SSE foundation powering secure connectivity across every Cisco SD-WAN fabric. Whether you’re using Catalyst SD-WAN, Meraki SD-WAN, or Cisco Secure Firewall (FTD), Cisco Secure Access ensures seamless, cloud-delivered security designed for modern distributed environments.  

    Cisco Secure Access is tightly integrated into the Cisco SD-WAN fabric, delivering advanced threat protection for internet-bound traffic from remote and branch users. At the same time, sensitive inter-site traffic continues to leverage the SD-WAN overlay, with security enforced at SD-WAN edges; further strengthening the distributed security enforcement model. 

    What it means for our customers: 

    • Unified Policy Management: Create and enforce a single access policy with Catalyst SD-WAN, Meraki SD-WAN, and FTD, simplifying operations and reducing complexity. 
    • Seamless Hybrid Work: Enable secure, reliable connectivity for remote, in-office, and branch users with consistent Zero Trust principles. 
    • Consistent Security: Deliver uniform security controls across all fabrics, protecting users, devices, and branches wherever they connect. 
    • Distributed Enforcement: Enforce security policies across the fabric, closest to users, devices and applications – eliminating traffic hairpinning. 
    • Simplified Operations: Manage policies and share security objects from a single platform, reducing tool sprawl, minimizing configuration errors, and improving efficiency. 
    • Cost-Effective Integration: Implement SSE capabilities using existing Cisco infrastructure without major investments or changes. 

    The remote work revolution has changed how organizations interact with their networks. Employees now need seamless access to private applications hosted in the data center, regardless of their location. However, with this shift comes the critical challenge of maintaining security while providing access to sensitive resources. 

    Cisco Catalyst SD-WAN Private Application Access gives remote users secure connectivity to data center applications with the confidence that only authorized users can get in. It inspects and enforces traffic based on security policies, reducing risk and improving performance. 

    What it means for our customers: 

    • Enhances security by ensuring only authorized users can access private applications. 
    • Provides remote users with a seamless and reliable experience, by selecting the most optimal path, keeping productivity high.  
    • Simplifies setup with automated policies and identity-based access controls. 

    The result: secure access that’s seamless for users—and fully controlled by IT. 

    Managing firewalls and SD-WAN security policies across locations can create operational drag. This complexity often makes the process prone to configuration mistakes, which Gartner forecasted would account for 99% of all firewall breaches by 2025.Cisco simplifies this with deep integration between Catalyst Secure WAN and Cisco Security Cloud Control (formerly CDO). 

    What it means for our customers: 

    • Create and push consistent security policies across multiple enforcement points—including Catalyst SD-WAN, Secure Firewall, Secure Access and Multicloud Defense. 
    • Build a foundation for reusable security objects across platforms- starting with centralized policy creation in phase 1 
    • Monitor logs and events from Catalyst and Firepower firewalls in a single dashboard— boosting visibility and speeding response. 
    • Minimize policy mismatches and configuration errors with integrated workflows and centralized management. 

    The result: smarter security means fewer manual tasks—and more time for what matters. 

    For Meraki customers, SASE just got easier. Cisco Secure Access will be integrated into Meraki SD-WAN, giving customers cloud-delivered security without extra tools or added complexity. This integration enables Meraki customers to enforce security policies for remote and branch users with Cisco Secure Access. 

    What it means for our customers: 

    • Activate Zero Trust security directly from the Meraki dashboard. 
    • Apply consistent security policies across branches, users, devices, and remote workers. 
    • Extend SSE benefits to Meraki-managed networks—no heavy lifting required. 

    The result: integrated security that reduces risk and complexity—by design. 

    With these latest updates, Cisco SD-WAN continues to deliver on its promise of helping organizations build networks that are simpler to manage, smarter in operation, and safer against evolving threats. From enabling seamless remote access, to unifying security management, and integrating cloud-delivered security natively into Meraki SD-WAN, Cisco provides the tools businesses need to thrive in a hybrid, cloud-first world. 

    And this is just the beginning. Over the coming weeks, we’ll dive deeper into how Cisco SD-WAN delivers on each of these three pillars—Simpler, Smarter, and Safer—so stay tuned for more insights. 


    We’d love to hear what you think! Ask a question and stay connected with Cisco Security on social media.

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