Author: blogs2025

  • What Companies Are In the Finance Field? – GrowthRapidly



    January 29, 2023
    Posted By: growth-rapidly
    Tag:
    Uncategorized

    The financial field is not only limited to banks or companies in Wall Street, contrary to what many people believe. The financial field covers a lot of different financial services companies, including but not limited to banks, insurance companies, investment firms, stock exchanges, real estate investments, hedge funds, credit rating agencies, etc. So, if you ‘re asking what companies are in the financial field, then you have come to the right place.

    If you need help managing your investments, you should consider talking to a financial advisor.

    Financial sector companies include:

    • Banks
    • Insurance companies
    • Investment firms
    • Asset management companies
    • Real estate investment trusts (REITs)
    • Payment processing companies
    • Credit rating agencies
    • Consumer finance companies
    • Stock exchanges
    • Hedge funds.

    Financial service firms provide a range of services, including:

    • Banking services (e.g. checking and savings accounts, loans, mortgages)
    • Investment management and advisory services
    • Wealth management and retirement planning
    • Insurance services
    • Payment processing and transaction services
    • Foreign exchange and currency management services
    • Risk management and financial analysis services
    • Capital markets and securities trading services
    • Consumer finance services (e.g. credit cards, personal loans)
    • Financial technology (FinTech) services (e.g. mobile banking, digital wallets, blockchain technology).

    Below is a list of companies in the financial field:

    There are many companies in the finance field, including:

    • JPMorgan Chase
    • Goldman Sachs
    • Citigroup
    • Wells Fargo
    • Bank of America
    • Morgan Stanley
    • Capital One
    • American Express
    • Berkshire Hathaway
    • BlackRock
    • Fidelity Investments
    • Vanguard Group.

    Companies in the finance field:

    JP Morgan Chase

    JPMorgan Chase & Co. is the first in the list of major companies in the financial field. It is an American multinational investment bank and financial services company headquartered in New York City. It is one of the largest banks in the United States and provides a wide range of financial services to individuals, corporations, and governments, including:

    • Retail banking (checking and savings accounts, mortgages, loans)
    • Corporate and investment banking
    • Asset management
    • Wealth management
    • Treasury and securities services
    • Card services and merchant services
    • Auto finance
    • Commercial banking.

    Goldman Sachs

    Goldman Sachs is second in the list of companies in the financial field. It is an American multinational investment bank and financial services company headquartered in New York City. It provides a wide range of financial services to clients, including:

    • Investment banking (e.g. underwriting, mergers and acquisitions advice)
    • Institutional client services (e.g. sales and trading, prime brokerage)
    • Investment management (e.g. asset management, private wealth management)
    • Investing and lending (e.g. investing in private companies, providing loans to clients)
    • Investment research. Goldman Sachs is known for its expertise in serving large corporations, financial institutions, and governments, and for its investment in technology and innovation.

    Citigroup

    Citigroup is third in the list of companies in the financial field. It is an American multinational investment bank and financial services company headquartered in New York City. It provides a wide range of financial services to clients, including:

    • Consumer banking (e.g. checking and savings accounts, loans, mortgages)
    • Corporate banking (e.g. lending, trade finance, cash management)
    • Investment banking (e.g. underwriting, mergers and acquisitions advice)
    • Capital markets (e.g. sales and trading, market making)
    • Wealth management
    • Treasury and trade solutions (e.g. foreign exchange, payment services)
    • Card services
    • Insurance services. Citigrouproup operates in over 160 countries and has a significant presence in emerging markets.

    Vanguard Group

    The Vanguard Group is fourth in the list of companies in the financial field. It is an American investment management company that provides a range of financial services to individuals and institutions, including:

    • Investment management (e.g. mutual funds, exchange-traded funds (ETFs), individual retirement accounts (IRAs))
    • Financial planning and advice
    • Portfolio management services for individuals and institutions
    • Trust services
    • Annuity products
    • College savings plans. Vanguard is known for its low-cost investment products and for its focus on passive investment strategies, such as index funds. It has a large and growing client base, and is one of the largest investment management companies in the world.

    Wells Fargo

    Wells Fargo & Co. is an American multinational financial services company headquartered in San Francisco, California. It provides a wide range of financial services to individuals, businesses, and institutions, including:

    • Retail banking (e.g. checking and savings accounts, mortgages, consumer loans)
    • Commercial banking (e.g. lending, cash management, trade finance)
    • Wealth and investment management (e.g. financial planning, asset management)
    • Capital markets (e.g. sales and trading, underwriting)
    • Corporate and investment banking
    • Insurance services. Wells Fargo has a large retail banking network, with thousands of branches and ATMs across the United States, and has a strong presence in the middle market commercial banking sector.

    Bank of America

    Bank of America is an American multinational investment bank and financial services company headquartered in Charlotte, North Carolina. It provides a wide range of financial services to individuals, businesses, and institutions, including:

    • Retail banking (e.g. checking and savings accounts, mortgages, consumer loans)
    • Commercial banking (e.g. lending, cash management, trade finance)
    • Wealth and investment management (e.g. financial planning, asset management)
    • Capital markets (e.g. sales and trading, underwriting)
    • Corporate and investment banking
    • Insurance services. Bank of America has a large retail banking network, with thousands of branches and ATMs across the United States, and also has a significant presence in investment banking and wealth management. The bank has a focus on sustainability and environmental, social, and governance (ESG) issues, and has made a number of commitments in these areas.

    Morgan Stanley

    Morgan Stanley is an American multinational investment bank and financial services company headquartered in New York City. It provides a wide range of financial services to individuals, corporations, and governments, including:

    • Investment banking (e.g. underwriting, mergers and acquisitions advice)
    • Institutional securities (e.g. sales and trading, market making)
    • Wealth management (e.g. financial planning, investment management)
    • Investment management (e.g. asset management, private wealth management)
    • Alternative investment management (e.g. private equity, hedge funds). Morgan Stanley is known for its expertise in serving large corporations, financial institutions, and governments, and has a strong presence in investment banking and wealth management. The firm is also active in sustainability and impact investing, and has made a number of commitments in these areas.

    Berkshire Hathaway

    Berkshire Hathaway is an American multinational conglomerate holding company headquartered in Omaha, Nebraska. It is led by Warren Buffett, one of the world’s most successful investors. The company’s primary business is insurance, through its subsidiaries, including GEICO, General Re, and Berkshire Hathaway Reinsurance Group. Berkshire Hathaway also has a large and diverse investment portfolio, with holdings in a wide range of companies, including:

    • Apple
    • Bank of America
    • Coca-Cola
    • American Express
    • Johnson & Johnson
    • Kraft Heinz
    • Moody’s
    • Verizon
    • Wells Fargo Berkshire Hathaway is known for its long-term investment philosophy and for its focus on operating businesses with strong market positions and consistent earnings power. The company has a reputation for being a reliable and efficient holding company, with a strong track record of value creation.

    BlackRock

    BlackRock is one of the major companies in the financial field. It is an American multinational investment management corporation based in New York City. It is the world’s largest asset manager, with over $9 trillion in assets under management as of 2021. BlackRock provides a range of investment and financial services to individuals, corporations, and governments, including:

    • Investment management (e.g. mutual funds, exchange-traded funds (ETFs), individual retirement accounts (IRAs))
    • Financial planning and advice
    • Portfolio management services for individuals and institutions
    • Institutional consulting services
    • Risk management and insurance services
    • Aladdin, a cloud-based technology platform for investment management BlackRock is known for its expertise in using technology and data to drive investment decisions, and is a leader in the use of passive investment strategies, such as index funds. The company has a strong focus on sustainability and environmental, social, and governance (ESG) issues, and has made a number of commitments in these areas.

    Put Your Money to Work

    Managing your money effectively starts with careful planning. With SmartAsset, you can get matched up with three advisors who can empower you to make smart financial decisions. SmartAsset also helps take the mystery out of retirement planning by answering some of the most commonly asked questions in a simple, personalized way. Learn more about how SmartAsset can help you find your advisor match and get started now.

  • my Spanish journey – The Fitnessista

    my Spanish journey – The Fitnessista


    Sharing more about how I’ve been working on Spanish over the past couple of years and what has helped me the most. Spoiler: Duolingo did nada for me.

    Hi friends! How are you? I hope that you’re having a lovely morning. We did a waterpark and theme park yesterday, so I have a feeling today will be a little more low-key.

    Now that we’re heading into our 4th week in Spain, I figured I’d do a little update on my Spanish journey and some of the things that have helped me the most. I think that as an adult, it’s so important to be a *beginner* at things; to challenge your brain in a new way and try out the hobbies and activities you’ve always wanted to do, even if you’re not good at first. I know many of my friends out there have a goal of learning a new language, so I hope this post is helpful! I’d also love to hear any strategies that have worked for you.

    My Spanish journey

    A little background:

    – Growing up, my mom’s side of the family often spoke Spanish. Because of this, I’ve always been able to understand it, but never spoke it. I would do the thing where my family would ask me something in Spanish, and I’d respond in English. When people would speak Spanish around me, I knew what was going on, but didn’t contribute to the conversation.

    – I took Spanish classes in elementary and middle school (super basic stuff) and minored in Spanish in college. I thought that it would be my chance to feel fully confident and fluent in Spanish. I wrote essays, read novels, analyzed poetry, but maybe spent 5% of the time in my college Spanish classes actually SPEAKING Spanish. So once again, it just solidified my understanding, gave me the ability to write and read in Spanish, but didn’t really get me to my goal of feeling confident speaking.

    – A couple of years ago, I decided that I was going to start practicing again and really get the hang of things. We love to travel, I love to be able to interact with people in different locations, so it became really important to me. Some of our closest friends are Colombian, and they have friends who speak Spanish, so I wanted to be able to contribute and feel more comfortable with speaking. Also, I would like to start working with IHP clients in Spanish starting early next year.

    I tried a few different things to refresh my skills and feel more confident speaking.

    Here’s what has made an enormous difference and here’s what did absolutely nothing.

    Learning Spanish as an adult

    APPS:

    I have not found an app that is helpful for real-world situations. I’ve tried both Duolingo and Babbel and was unimpressed with both. I feel like it’s a lot of matching and vocabulary, but little understanding behind the grammatical rules and how to use the languages in real life. Also, most of the time, you don’t even remember what you were doing. Even with using apps on an on for a bit, I didn’t learn anything new.

    VIRTUAL AND IN-PERSON TUTORING:

    This has been the biggest gamechanger for me. I did a ton of research and came across Italki and it’s been my go-to for Spanish tutoring. I have tutoring at least once a week, but also have homework throughout the week in reading, writing, fluency, speaking, and listening. It took me a little while, but I found a tutor that pushes me (he’s actually kind of mean sometimes hahah) but is taking me OUT of my comfort zone and to the next level. (If you’d like his info, please lmk and I’d be happy to pass it along!)

    PRACTICING SPANISH IN SPAIN:

    Last year when we came to Spain for about two weeks, I was like, “Here we go. This is my chance!” It was a nice little confidence booster to feel like I could do it. I could order food at restaurants, ask and answer questions, order cabs, it was really NBD. Last year, I felt like locals spoke English a lot to us and was surprised by how many people in Sevilla spoke English. It feels like the opposite experience this time because of my determination to only speak Spanish while we’ve been here. I’ve been surprised by how easy and natural it feels, and have only been English-ed a couple of time. 😉

    I’ve also had the opportunity to work with a lovely Spanish tutor twice a week while we’ve been here!

    Most of my conversations out in the world have been surface-level: store and restaurant interactions. Buuut my deepest conversations have been with taxi drivers! In Barcelona, we chatted about a lot: the economy, quality of life in the US, how much schools and groceries cost… I loved it. I’m excited to continue practicing while we’re here and to come home and maybe finally speak Spanish with my many Spanish-speaking friends. 😉

    So tell me, friends: what are you a beginner at these days?

    Are you working on learning a new instrument or language? I’d love to hear about it!

    xoxo

    Gina

  • 5 predictions for the insurance industry in 2025 | Insurance Blog

    5 predictions for the insurance industry in 2025 | Insurance Blog


    The insurance industry faces major changes in 2025. Demographics, climate impacts and geopolitical change are shifting the landscape—literally and figuratively—and will push insurers to adapt. Faced with new opportunities and risks we expect the industry to challenge orthodoxies and spark reinvention. 

    1. The aging population becomes the dominant industry force.

    Longer life spans and lower fertility rates are projected to push the global median age to 32 in 2025—up from 30.9 in 2020. But what constitutes “retirement age” is shifting with other traditional milestones, such as marriage and homeownership. 

    There is greater diversity in lifestyles and aspirations. As people age, insurers will find new opportunities to innovate and tailor health, life and hybrid retirement offerings that address the longevity risk and complex needs of older adults. 

    This innovation will become a matter of urgency for Gen X with its oldest members turning 60 in 2025 and many unprepared for it compared to other generational cohorts. In the US for example, 48% of Gen Xers say they have done no retirement planning—7 points higher than Millennials. Retirement services becomes a strategic priority for the industry as carriers reinvent how to serve this economically powerful segment. 

    More retirees than the world has ever seen is a challenge that goes well beyond this year and this industry. It creates interconnected risks as healthcare providers, governments and communities struggle to scale up services for the elderly in a competitive labor market. 

    2. Property insurance creates an existential crisis.

    Personal and Commercial property makes up approximately 30% of global P&C premiums and has fueled top line growth with strong rate growth in recent years. This rising tide has waned as increasing claims from catastrophic events linked to climate change push many insurers, reinsurers and even the public “insurers of last resort” to exit the segment. 

    The devastating start to 2025 in southern California is the latest reminder of the impacts catastrophic events can have on people’s lives and communities. Growing awareness will continue to spur action.  

    Regulatory changes like those in California and in Italy are a start, but systemic solutions that address pricing as well as resilience at the community level are necessary. In 2025, we expect to see more public-private partnerships aimed at increasing climate resilience in the communities most affected. 

    3. Instability drives insurers to focus on what they can control—cost.

    In an uncertain geopolitical world that will drive volatility into the macroeconomic environment (e.g. interest rates, supply chains, multinational commerce), insurers will turn to what they know and what they can control. Costs are knowable. To the extent they are controllable, that is where insurers will look to improve combined ratios. 

    4. AI is the new talent segment that reshapes talent strategies.

    AI is now in your business and being used by your workforce to drive efficiency and make more effective decisions. In 2025, insurers will focus on sourcing skills needed to scale AI across market facing and corporate functions. 

    The historical apprenticeship-based career path has been disrupted by AI. Insurers will take new approaches to talent sourcing and development, including looking well beyond their own walls for expertise and capacity for the full spectrum of low to high domain expertise roles.   

    5. Pricing of legacy tech ends “kick the can” for CIOs.

    Carriers and CIOs hoping to get a few more years out of their legacy technology by delaying resource-intensive technology modernization will find they are kicking that can down a toll road.  The industry will see more of the dramatic price increases for legacy technology (a la VMWare). The risk and economics of modernization will fundamentally change in 2025, forcing the industry to take (much delayed) action. 

    We remain optimistic. 

    Four years ago, we published our Revenue Landscape 2025 report in which we predicted global insurance industry revenues would grow to $7.5 trillion by the end of 2025. Based on current forecasts the industry is on course to exceed that with a worldwide total premium volume of $7.7 trillion by the end of the year. Whether that premium growth translates to profitable growth will be our collective challenge.  

    We believe the industry will embrace the challenges of 2025 to reinvent—and we look forward to being at the heart of that reinvention. 

  • How to Make Money Without a Job

    How to Make Money Without a Job


    Breaking free from the traditional 9-5 is more achievable than ever with these 26 innovative income streams. Ready to redefine your concept of earning?

    Are you trying to win the Mega Millions, but your numbers never seem to come up? It may be time to look for better ways to make money. Fortunately, you can earn extra cash without going and getting a “real job.”

    What are the best ways to avoid sitting in a cubicle all day? Some money-making strategies require an upfront investment, while others let you earn money in your free time with the help of apps.

    Read on to learn the best ways to earn cash without a regular 9-5 job, plus tips on how almost anyone can get started.

    1. Share Your Opinions

    man filling out a market research survey on a laptop while drinking coffee

    One of the easiest ways to earn money is by signing up to participate in market research studies. You won’t make much, a few dollars here and there, but you can create a free account and get started within minutes.

    You’ll be paid in PayPal cash or gift cards for sharing your opinion and completing other tasks online.

    E-Poll Market Research is one of the top companies to consider for this type of work. They make it easy to create an account and answer survey questions.

    However, there are plenty of other options to consider, including:

    • American Consumer Opinion

    While market research gigs won’t make you rich, it’s something you can do during your spare time.

    2. Write an eBook

    If you have a book idea, turning your story into an eBook can help you earn passive income without a regular job. Kindle Direct Publishing can even help you format your book for Kindle, at which point you can market and sell your book to millions of potential readers who shop on Amazon.com.

    How much can you earn writing eBooks? That depends on how many books you write, how much you sell them for, and how successful you are at marketing your book. Selling 20 books per month with a profit of $7 per book would net you $140 per month and $1,680 per year.

    Meanwhile, selling 100 books per month at $7 per book would net you $700 per month and $8,400 per year. Need a little inspiration? Here’s an article that shows you how to make your first $1,000 selling eBooks.

    3. Start a Blog and Monetize It

    You can earn a lot of money by starting a blog or niche website and monetizing it. I should know. I started Good Financial Cents more than a decade ago, and have earned millions of dollars through the monetization of this site since its earliest days.

    How do you make money blogging? Earning real income with a website isn’t as easy as it looks, but there are plenty of monetization strategies you can try.

    Here are the most common ways blogs make money:

    If you’re curious about what it takes to earn money blogging, consider signing up for my Make 1K Challenge. It’s free and can help you earn your first $1,000 online with some of the blog monetization strategies I’ve already mentioned.

    4. Start Freelancing

    You could argue that freelance work is like a regular job, but working at home and on your terms is much different from traditional employment. The fact is, most freelancers are fully remote – they can work from anywhere in the world with a laptop and an internet connection.

    Plus, they can hire and fire clients based on their personal needs and preferences, and their income potential is unlimited. According to ZipRecruiter, freelancers in the U.S. average $63.53 per hour.

    Of course, you’ll need a marketable skill to find paid work as a freelancer. This could be freelance writing, design skills, marketing expertise, or something else. 

    You can use several websites to market your skills as a freelancer, including:

    5. Get Paid to Lose Weight

    HealthyWage makes it possible to earn money while you lose weight. You won’t earn a ton of cash through the app, but you can earn a few dollars and use it to supplement other income you have.

    The more weight you lose, the more money you can make. For example, the HealthyWage website claims some of their clients who lost more than 100 pounds managed to earn anywhere from $1,400 to $3,000.

    However, the HW weight loss calculator shows potential earnings of $578 to $828 for people who only have 15 pounds to lose.

    6. Rent Out Your Car

    If you have a car you rarely use and want to earn some side income, you can consider renting it out with Turo, a ride-sharing platform that connects car owners with people who need a short-term rental. You can set your price, although you’ll have more success if you price your car competitively.

    Nicer vehicles in high-demand areas can easily fetch rates that surpass $100 per day through this platform. Turo notes that in-demand cars rented out regularly can bring in anywhere from $10,000 to $20,000 per year in net profit.

    Plus, almost anyone can rent out their car provided it meets the guidelines of the Turo platform. Your car must be 12 years old or newer with less than 130,000 miles. It must be worth less than $200,000 (no Lambo’s), and you must also meet Turo’s auto insurance requirements.

    7. Rent Out a Room

    bedroom with a bed, armchair, and a sliding door leading to a deck

    Do you have a spare bedroom in your home that you never use? Maybe you have a basement or garage apartment you could fix up and begin renting for a profit?

    Either way, Airbnb lets you rent out rooms and other spaces in your home on any dates you prefer. You must let renters know they’re renting a room in a home vs. an entire apartment or house and provide as much additional detail as possible.

    The amount you can earn will depend on where you live and the type of accommodation you can offer. However, expensive cities like Chicago, New York, and San Francisco have plenty of rooms for rent that go for well over $100 per night. 

    8. Rent Out Extra Space

    You may not have an entire room you can rent, but even if you have some storage space, Neighbor.com allows you to rent it out to others in need. 

    Common spaces rented through this platform include

    • Storage Space for a Boat or an RV

    The Neighbor.com platform makes it easy to advertise your unused space so that people nearby can inquire if they’re interested. Also, note that the platform offers insurance that can protect you if some of your client’s items are damaged or stolen while in your care.

    How much can you make renting out extra space? It depends on how much space you have to rent and where it’s located. However, Neighbor.com shows a range of rental space options that cost anywhere from $20 to $100+ per month.

    9. Invest In Dividend Stocks

    Investing in dividend stocks is one of the best ways to earn money without a regular job. Many early retirees find a way to live and pay bills based solely on the dividends they receive from various stocks.

    But what exactly is a dividend stock? For the most part, they are regular stocks but with a track record of sharing their profits with investors through dividends.

    Dividends can also be earned in exchange-traded funds (ETFs) or mutual funds, and they can be significant once you build up a large portfolio.

    Since dividends are paid by profitable companies, they tend to be seen as less risky for investors. If you’re curious about what it takes to get started with this strategy, this post explains how to invest in dividend stocks.

    10. Get Paid to House Sit

    Housesitting is an option if you’re somewhat mobile and can move from place to place. Generally, you can find house-sitting gigs through word of mouth, referrals, or online portals like Craigslist.org or Facebook Marketplace.

    That said, not all house-sitting gigs are paid. Some offer the potential for exotic travel instead and free lodging for a week to several months.

    Either way, a website called TrustedHousesitters is the best place to find house-sitting gigs. Some jobs posted are for house-sitting only, while others require house sitters to provide basic care for pets or plants.

    If you have serious wanderlust and want to travel far and wide, this platform can help make it happen. Many gigs posted online are in countries like Australia, Ireland, France, and Switzerland.

    11. Take Care of Dogs and Cats

    If you love animals and want to earn money taking care of them, several platforms can help turn your dream into a reality.

    For example, Rover.com lets you provide basic care for dogs or cats in your home, or you can pick up dog walking gigs. Another mobile app, called Wag!, lets you do more of the same.

    You can set your rates for all types of work through these platforms, and your availability. While earnings vary by location and job, most people watch dogs and cats for anywhere from $40 to $100 per night.

    12. Invest in Real Estate

    Real estate investing may seem like a pipe dream if you hope to earn income without a job but hear me out. There are many ways to earn income through real estate without owning physical property or dealing with the hassles of being a landlord.

    You can invest in real estate investment trusts (REITs) that let you build wealth over time. You can also use a platform called Fundrise to invest in real estate with a minimum investment of $10.

    Fundrise lets you purchase eREITs, large investment funds that acquire, own, or operate multi-residential and commercial properties. The income you earn is entirely passive since it handles the work of finding income-producing properties and managing them.

    While returns are never guaranteed, Fundrise investors have achieved very solid returns. Investors who use the platform earned an average return of 7.31% in 2020, followed by 22.99% in 2021, 1.50% in 2022 and -7.45% in 2023 (their first down year).

    • * Minimum investment of $10
    • * Open to all investors
    • * Online easy to use site and app
    I’ve been investing with Fundrise since 2018. Disclosure: when you sign up with my link, I earn a commission. All opinions are my own.

    13. Invest Your Spare Change

    woman seated dropping a quarter into a piggy bank

    You can earn income on your spare change by investing it using Acorns. The roundup savings app syncs to your debit or credit card rounds up every purchase you make to the nearest dollar, and invests the difference. Once it’s set up, there’s no work on your part.

    Most of the money is invested in ETFs and managed by the world’s top investment firms like Vanguard and BlackRock. While this app makes it easy to invest small amounts of money, it’s not free to use. Personal plans start at $3 per month, while a family plan costs just $5.

    14. Complete Basic Tasks On TaskRabbit

    If you’re looking for some paid gigs that are relatively easy, consider setting up a profile on TaskRabbit, an online platform that lets you get paid for completing various tasks, such as:

    Projects typically pay between $30 and $100, although some pay significantly more than that. TaskRabbit also lets you pick and choose the jobs you want to take on based on your availability so that you can work entirely on your schedule.

    15. Sell Photography

    If you love taking photographs and have a knack for getting professional-looking images, you can use your skills and expertise to sell photos online.

    Websites like Depositphotos and iStockPhoto pay photographers to supply them with stock photos they can sell to writers, publications, and various online platforms.

    The best part about this side hustle is that you can get started with the equipment you already have. While you can use a professional camera if you want to, many smartphones take professional-quality photos.

    16. Earn a Bank Bonus

    Earning a bank bonus is another way to earn money without a regular job, but you’ll need an upfront investment to get started. Most bonus offers require you to deposit a specific amount of money and keep it in your account for up to 12 months.

    You may also be required to set up direct deposit to earn a bank bonus, and other terms and conditions may apply.

    Where can you find the best bank bonuses? While bonus offers constantly change, you can start by checking with banks like Chase, HSBC, Radius Bank, and Wells Fargo.

    17. Flip Furniture

    Flipping furniture requires some upfront legwork and potentially even some artistic talent, but you can earn a solid income with this strategy if you know what you’re doing.

    Essentially, this side hustle requires you to shop at thrift stores, garage sales, and online platforms to find furniture that will ultimately sell for more than you paid. 

    From there, you can sell the furniture as-is or clean it up and paint it with the goal of fetching an even higher price.

    18. Drive for Uber or Lyft

    You can make money driving for Uber or Lyft on your own time, picking and choosing the days and hours you want to work.

    Not only is rideshare work one of the most flexible side hustles, but you can earn $20 per hour and more with tips.

    NOTE:

    You do need to have a clear driving record, and your car must meet basic requirements for either platform.

    19. Sell Stuff You Own

    two men shaking hands one is holding a bike

    If you are low on free time but still want to make money without a job, consider selling stuff you don’t need. An array of online platforms makes it a breeze, although some platforms work better for selling.

    For example, you can use Poshmark to earn money selling used clothing and accessories, while used electronics tend to sell best on platforms like eBay.com, Decluttr, BuyBackWorld, and Gazelle.

    If you have home decor, furniture, or workout equipment to sell, you’ll almost always do better unloading those items locally on Facebook Marketplace.

    20. Start a YouTube Channel

    Starting a YouTube channel is another way to earn money without a job, but that doesn’t mean it’s not work. The fact is, that creating quality videos and building an audience takes a lot of creativity and time. Plus, not everyone who tries to build a YouTube channel will succeed.

    That said, you can earn income without a regular job. I know because I have done it with my YouTube channel, Wealth Hacker

    How much you can earn on YouTube varies quite a bit, but it’s possible to earn thousands of dollars per month. If you’re curious about monetizing videos, my in-depth guide will show you how to make money on YouTube.

    21. Donate Plasma

    Donating plasma is a unique way to earn money without a job, although it’s not very glamorous. DonatingPlasma.org makes it easy to find plasma donation centers in your area, and you can earn as much as $100 for your first donation.

    That said, subsequent plasma donations typically earn closer to $50. You’ll also be limited by the number of times you can donate plasma within a month. However, it’s possible to use this side gig to earn an extra $500 per month, which you can use to supplement your primary income.

    22. Become a Crowdworker

    If you are willing to complete various tasks that help regular workers do their jobs, consider becoming a crowd worker. This gig will have you finishing up to-do lists of jobs that don’t require specific technical skills.

    For example, you may get paid to proofread documents, label images, update a resume, complete a form, or complete a data entry assignment.

    Several platforms help you find crowd-working gigs, but the best ones include Microworkers and Clickworker

    23. Shop for Groceries

    If you want to do something simple that will get you moving, consider delivering groceries using apps like Instacart or Shipt. You get paid hourly, plus tips and all you have to do is head to the store, purchase groceries according to a list, and deliver them to people in your neighborhood.

    The gig is extremely flexible, similar to driving for Uber or Lyft.

    24. Deliver Packages With Amazon Flex

    Another non-job gig lets you get paid to deliver packages for Amazon.com. You can do this through a platform called Amazon Flex, which promises its drivers anywhere from $18 to $25 per hour

    Unlike a regular Amazon job, Flex lets you pick the day and the hours you want to work. To get started, you need to create a free account, get approved, and start reserving blocks of time you want to deliver packages. 

    25. Sell Unwanted Gift Cards

    a stack of gift cards sitting on top of hundred dollar bills

    Finally, you can earn money by selling unwanted or unused gift cards in your possession. This hustle is made easy thanks to platforms like GiftDeals.com and CardCash.com

    You won’t get the total value of your gift cards, but you should get 90% or more of the gift card balance for each card you sell. While selling gift cards for less than their total value may not seem ideal, it’s better than not using them and getting nothing in return.

    26. Take Online Surveys

    Finally, you can earn small amounts of money by signing up with the best online survey sites. Not only is this side hustle as easy as it gets, but you can participate and get paid during your spare time and even on your phone.

    RECOMMENDED:

    Survey Junkie is the best online survey site since you can redeem the points you earn for transfers to a PayPal account, a bank transfer, Amazon.com or Walmart purchases, iTunes purchases, and more.

    Other online survey sites to check out include the following:

    With all this being said, you’ll want to keep in mind that most surveys only pay a few bucks and that some only pay you with gift cards, while others offer the option for PayPal transfers. Make sure you understand how each survey site works and how you get paid before you sign up.

    Final Thoughts on Making Money Without a Job

    There you have it, 26 ways to make money without a job. While many of the jobs on our list won’t replace your 9-5, they can be a great way to increase your income so you can pay off debt or break the cycle of living paycheck to paycheck.

    Check out the video below if you’re looking for even more ways to make money.

  • Your Pelvic Floor, Explained: A Candid Q&A with Floored Author Dr. Sara Reardon

    Your Pelvic Floor, Explained: A Candid Q&A with Floored Author Dr. Sara Reardon


    When it comes to pelvic floor health, women are typically not well educated about how their bodies function.

    From a young age we’re taught that vagina’s are dirty and a shameful part of our bodies. We’re told vaginas are smelly and gross by boys, then later men, who want to make out with us but don’t care much about our actual pleasure. When we go to doctors about peeing when we jump or painful sex, we’re often dismissed and told that these are normal things that happen in a woman’s body, so just get used to it, babe.

    Many women don’t even know that their pelvic floor is an essential part of their anatomy and that good pelvic floor health can be life changing.

    Dr. Sara Reardon wants to change that.

    Known as “The Vagina Whisperer” on TikTok and Instagram, Dr. Reardon has spent countless hours online educating people on the basics of female health, since this is a topic that isn’t really ever covered in health class. Now, with her new book Floored, she wants to give women essential information about pelvic floor health so they can take the power back into their own bodies.

    What Dr. Reardon explains in the book is that pelvic floor health isn’t just for postpartum or perimenopausal women, but that pelvic floor health is a fundamental part of good health care for anyone with a pelvic floor – so basically, all of us.

    But for women who are more familiar with medical professionals gaslighting them about how their bodies feel “down there,” this book can give them valuable information about their bodies that is often overlooked by medical professionals.

    In this Q&A, Dr. Reardon answers questions about why pelvic floor health is so important, how you can recognize it in yourself, and how to take care of your pelvic floor – including tips for continuing to exercise with pelvic floor dysfunction – so you can feel better in your body.

    Floored is out NOW. Get a little taste of what to expect from the book in our interview here!


    Naomi: In your book you write, “Although pelvic floor issues are common, they are not normal.” Can you explain what you mean by this? 

    Dr. Reardon: Many women experience pelvic floor issues like urinary leakage or painful sex after pregnancy, birth, and menopause. So yes, these issues are common but they are not normal for the pelvic floor. leakage or pain and we need to normalize pelvic floor conversations so women know solutions are available instead of normalizing pelvic floor problems.

    Naomi: Why do you think we’ve created the belief that pelvic floor issues are simply a normal part of life for women? 

    Dr. Reardon: First off, the majority of medical research has always been done on men and by men, so it’s difficult to know what women are experiencing and to prioritize that research. Also as women, the narrative has always been that these are normal issues but we also don’t know what normal is because we aren’t educated about this part of our body. We may get some sex education or period education as young women but we don’t get pelvic floor education and that’s what I hope to achieve with Floored

    Naomi: What are some common signs of pelvic floor dysfunction, other than just peeing when you run or jump? 

    Dr. Reardon: Urinary leakage with coughing, running or jumping is common and other common bladder symptoms are frequent urination during the day or night, difficulty starting your urine stream or incomplete bladder emptying. Other signs are painful sex, difficulty achieving orgasms, bowel issues like constipation or hemorrhoids, pelvic organ prolapse and even low back pain and hip pain.

    Naomi: Many women avoid exercising because of pelvic floor issues, worried they’ll leak when running or jumping or even squatting. But should women actually avoid exercising if they have pelvic floor dysfunction?  

    Dr. Reardon: Instead of avoiding exercise completely, I would actually modify exercise. That means decreasing the amount of weight you’re lifting, the distance or speed you’re running, or modifying movements so that leakage, pain or pressure don’t occur. Then you can train your pelvic floor by working on strengthening, relaxation or coordination and gradually increase your speed or intensity once your pelvic floor is stronger and more functional.

    Naomi: Within the fitness world, there is often a lot of misinformation about health and wellness. What are some of the more outlandish claims that are sometimes made about pelvic floor health that people should ignore and avoid? 

    Dr. Reardon: The amazing thing about the internet and social media right now is that there is a wealth of information, but as you mention, a lot of it is by uncredentialed individuals and not backed by science and research. Certain things like the idea that how tight your pants are or peeing in the shower can cause pelvic floor issues, or that sitting on a vibrating Kegel chair or steaming your vulva and vagina to fix your pelvic floor issues, are all myths. Pelvic floor healthcare is much more nuanced, and it’s important to recognize the difference between wellness and healthcare and that some of these practices could cause your problems to get worse versus get better.

    Naomi: Why is there such a stigma around talking about women’s health, particularly about vaginal and pelvic floor health? 

    Dr. Reardon: As young women and girls we’re never educated about this part of our body and a lot of conversations can circle around the belief it is smelly or gross or private or inappropriate to talk about. So if issues arise, we may feel embarrassed or ashamed to discuss them or not even know where to go to get help. I always say we want to normalize pelvic floor conversations instead of normalizing pelvic floor problems. This body part is like any other body part and it deserves proactive, preventative, and timely care instead of dismissing issues as normal. 

    Naomi: What is something you wish every woman knew about her pelvic floor? 

    Dr. Reardon: Starting with the basics, I think most women may not even know that they have a pelvic floor. And that at every stage of a woman’s life, from menstruation to becoming sexually active, from pregnancy to postpartum, and from perimenopause to well beyond menopause, your pelvic floor care requires something different. Your pelvic floor is connected to core support, bladder and bowel function, sexual function, menstruation, childbirth and menopause. If you’re experiencing any issues in these areas your pelvic floor is likely involved and needs to be addressed. No matter how long you’ve experienced a pelvic floor problem, it’s never too late to get help. Progress is possible. Also, Kegels are not the Holy Grail of pelvic floor care. Kegels are for pelvic floor strengthening and many women need pelvic floor relaxation, so performing Kegels could actually make an issue worse if it’s not the appropriate treatment. 

    Naomi: If someone thinks they might have pelvic floor dysfunction, what steps should they take to improve their pelvic floor health?  

    Dr. Reardon: I would start seeking treatment and options right away. These issues typically don’t get better with time and so the longer you wait to address them the harder or more timely it may be to see progress. The great thing about medicine right now is you have options you can seek in person care from a pelvic floor therapist, you can do a telehealth session, you can do an online workout program like the V-Hive, or you can read my book Floored to start getting tips and guidance to do at home.

    Naomi: Women’s health is often neglected by doctors and their pain dismissed. What can we do to better advocate for ourselves in those situations? 

    Dr. Reardon: Medical providers will often not ask about these issues so it’s important that we bring them up ourselves and if they are dismissed as normal or we are told to give it more time I would push harder to get a referral to another medical provider seek one out myself or proactively check in with a pelvic floor therapist. Unfortunately many medical providers have not been educated on how to screen, refer or treat these issues. Do not let being dismissed be the end of your story; you only get one pelvic floor and you have to advocate for its care.

    Naomi: Why did it feel so important for you to write this book? 

    Dr. Reardon: One in three women will experience a pelvic floor issue at some point in their lifetime. Urinary leakage is more common than osteoporosis, diabetes and hypertension. Yet women are less likely to get treatment for a pelvic floor problem. It’s not that these issues don’t exist, it’s that as a medical community we’re not prioritizing addressing them. I hope that Floored not only helps women be more educated about their bodies but also that their medical providers gain an understanding of how to better support women and their pelvic floor health across the lifespan.

    So if something feels off down there, don’t shrug it off—your pelvic floor deserves your attention, and you deserve care that actually listens. –Naomi



  • My 8 Picks for the Best Workforce Management Software

    My 8 Picks for the Best Workforce Management Software


    I’ve never had to build a shift schedule, approve PTO, or chase someone down because they forgot to clock in. (more…)

  • How to overcome barriers to better health

    How to overcome barriers to better health


    “I just bought a new BPA-free tupperware set.”

    This comment, coming from my friend Anna, caught me off guard.

    Anna’s a highly competent law professional. She’s a critical thinker and she fights in the heavyweight division when it comes to cutting through BS.

    But the Anna I knew was falling into some painful traps that seemed to be bypassing her inner hawk-like skeptic.

    She’s wanted to lose around 15lbs for some time now and came to me to share how stuck she was feeling in this goal.

    She brought up an avenue she was exploring: the new BPA-free tupperware set.

    “Interesting. What inspired you to focus on that?” I asked.

    “Well, I’ve been reading about how microplastics in food containers can mess up our hormones and cause weight gain,” she said.

    I squinted.

    To backtrack, this is right after she told me how she’d been struggling to be consistent at the gym, had been relying on takeout too often, and had been sacrificing boring old sleep for adrenaline-inducing doom scrolling.

    So I asked:

    “What about trying to get more consistent with your workouts, or prepping more homemade meals during the week?”

    And Anna said:

    “Yeah, but I’ve tried that a thousand times. If it were that simple, it would have worked already.”

    We’ve all done this before.

    Ignored or delayed those hard-but-worthwhile habit changes in favor of some ultra-specific, niche magic bullet that’s supposed to “change everything.”

    Spent hours of research on the ultimate, most optimal workout instead of devoting those hours to just doing the basic workout you already know how to do.

    Waited to feel more inspired, motivated, or just less busy.

    Why do we do this?

    Buying new gear or a popular supplement feels like making progress.

    Consuming YouTube videos or articles about stuff you can change feels like you’re doing something.

    And waiting until the “right time” feels, well, right.

    Except, nothing actually changes until we take real, consistent action.

    We’re clever, us humans. And we’ve come up with lots of sneaky ways to avoid the basic, unsexy, difficult actions we need to take that actually drive change.

    In this article, we’ll explore how to take an honest and compassionate look at why you might be distracting yourself from taking impactful action.

    You’ll learn:

    • What the most impactful health habits actually are
    • Three common barriers to making sustainable progress
    • A 4-step process you can apply to start taking positive, productive action
    • How to keep yourself consistent—and achieve your goals

    The stuff you know you should do (but probably aren’t doing consistently)

    We all know what those basic, fundamental health habits are:

    ▶ Exercising, ideally 30 minutes a day, putting in moderate-to-vigorous amounts of effort, with a mix of aerobic and resistance training.

    Eating mostly nutritious, minimally-processed foods. If 80 percent of your diet comes from whole or minimally-processed foods, you’re doing an excellent job. (Translation: “Perfection” isn’t required; pizza can be part of a healthy diet.)

    Eating enough protein to support muscle mass, appetite regulation, and body recomposition goals, if you have them. Aim for about 1.2 to 2.2 grams of protein per kilogram of body weight (for most people, this adds up to about 4-6 palm-sized portions of lean protein per day).

    ▶ Prioritizing getting seven to eight hours of quality sleep. You can’t always control how well you sleep, but having some wind-down time before bed can help, as can waking up at the same time every day.

    Avoiding or at least reducing excessive consumption of alcohol or drugs, including cigarettes. No fun, we know. But it’s for a good cause.

    Easily, we could add stuff like prioritizing positive, nurturing social relationships, managing stress, and probably others, but just the above list is uncommonly met.

    In fact, only six percent of Americans perform all five of the following basic health behaviors:1

    • Meet physical activity recommendations
    • Don’t smoke
    • Consume alcohol in moderation (or not at all)
    • Sleep at least seven hours
    • Maintain a “normal” BMI

    If you’re doing the math, that means close to 94 percent of Americans aren’t doing the basics.

    Yet, these foundational behaviors also help us achieve a long list of common goals, whether that’s reaching a healthy weight, improving athletic ability, or just living a longer, healthier life.

    So why do we struggle so much to do them?

    Here are three common barriers we see among clients (and coaches!), plus potential solutions to overcome them.

    By the way, ambivalence is normal.

    That push-and-pull feeling you have when you think about making a change?

    It has a name, and it’s called ambivalence.

    Ambivalence describes the mix of feelings you have when you contemplate, say, waking up earlier so your mornings are less stressful, or cutting down on TV time.

    We naturally and normally feel ambivalence about change—“I want this, and at the same time, that.”

    (For example, wanting to eat healthier, and also wanting to have your favorite treats whenever you want without constraint.)

    We also naturally and normally feel resistance towards change—“I want this, and at the same time, not.”

    (For example, wanting to stop using your phone as a mindless distraction, but not wanting to deal with the anxiety you get whenever you’re left with your own thoughts.)

    These contradictory emotions can seem frustrating, puzzling, or “illogical.” Yet, ambivalence and resistance are fundamental parts of the change process.

    The higher the stakes of change, the more likely we are to feel a mix of strong and unexpected emotions, pushback, rebellion, angst, and other types of resistance and ambivalence.

    Rather than signaling that the change is a wrong move, strong ambivalence and resistance tend to signal that this change matters to us.

    In a sense, it’s good news.

    It tells us we care.

    Basics Barrier #1: You have ambition overload.

    Maybe you’ve decided you want to be healthier. So you declare that, starting Monday, you’re going to exercise for an hour everyday and “eat clean” at every meal and sleep eight hours every night.

    (Currently, you don’t have a regular exercise habit, don’t particularly like vegetables, and regularly stay up past midnight.)

    Now, let’s be honest: You’re asking yourself to change a lot of stuff at once.

    And the last time you created an elaborate plan for overhauling your life…

    … Did it work?

    Probably not.

    (And that’s okay.)

    When we feel frustrated or stuck in our current situation, making a plan filled with idealistic dreams can provide us temporary relief.

    And our brain has several (normal) cognitive biases that prevent us from judging the future accurately.

    We often think we’ll have more time, energy, attention, and motivation in the future than we really do.2 3 4 5

    There’s a powerful, instantaneous comfort that comes with overloading our future self. (Because after all, we won’t start the plan until Monday.)

    The problem with this is:

    Big, complex plans often don’t fit into our already busy, complex lives.

    We under-estimate how many smaller tasks are hidden in the bigger plans.

    When we (almost inevitably) are unable to execute these ambitious goals, we blame ourselves, our personality traits, our “willpower” or “discipline,” and build a pitiable story about how we “struggle with consistency.” Or how living this way is “impossible”.

    Then, sadly, we fulfill that prophecy.

    Basics Barrier #2: You think only hardcore, “industry-secret,” or “cutting-edge” stuff works.

    This barrier comes from the following common belief:

    “If getting healthy just took eating, sleeping, and exercising moderately well, then everyone would be healthy.”

    Because everyone knows they should eat their vegetables, get seven to eight hours of sleep per night, and stay active, right?

    (We’d agree.)

    But let’s go back to the previously mentioned statistic:

    Only 6 percent of Americans are consistently performing the most basic health and fitness behaviors.

    If we add on slightly more advanced—but still very basic—behaviors like eating five servings of fruits and vegetables every day, optimizing protein intake, and effectively managing stress, that number would shrink significantly.

    So, the first thing is to believe that these simple behaviors work. Because they do. It’s just that most people (probably close to 99 percent of us) are not doing them all simultaneously and consistently.

    The second thing is to accept that these simple behaviors are a little bit boring. Because they are. Part of the reason we’re attracted to new diets or “magical” supplements is because we just want something more interesting to try.

    That’s especially true if we’ve already sort of tried the “eat more vegetables” thing and it didn’t “work” for us in the way we expected.

    With something new and cutting-edge, there’s also the possibility of a new outcome, a new us.

    And of course, that’s incredibly appealing.

    Thing is, most hardcore, “industry secret,” or “cutting edge” tools and strategies are, respectively: unsustainable, inaccessible, or ineffective (or unproven).

    They’ll take your effort, your time, and often your money, but without giving you a good return on your investment—all the while distracting you from the stuff that actually works.

    Basics Barrier #3: You think your efforts (and your results) have to be perfect.

    Another lie in the health and fitness industry is that you have to be “perfect” to maintain great health. You know, eat only organic salads and chia seeds, be able to run a marathon, and wake up at 5 am every day to meditate and write in your gratitude journal.

    The truth is, perfection definitely isn’t required.

    Depending on how you look at this, this could be a relief to hear, or a disappointment.

    On the one hand, it’s nice to know that you don’t have to have it “all together” to be healthy—even above-average healthy.

    On the other hand, many of us pursue better health with the belief that our optimal or even “perfect” self will one day, with the right plan or routine, be attainable.

    But “perfect” health is an illusion.

    Humans, even exceptionally healthy ones, get sick, get weird rashes, have digestive problems, need reading glasses, get into slumps, or just otherwise have a series of bad days.

    None of us are “safe” from those life events, and accepting that can feel a little… vulnerable.

    It’s much more comfortable to believe that if you just take this powdered algae supplement, or follow this specific morning routine, you’ll be immune to any kind of painful human experience.

    The irony is, to achieve your realistic “best self,” you probably have to accommodate your “worst self” too. You know, the one who’d rather watch another episode of Love is Blind than work out, or eat a party-size bag of Doritos and call it dinner.

    Because life happens.

    Work gets busy.

    Or your kid goes through a “phase.”

    Or it’s pie season.

    Any number of obstacles, distractions, and competing demands make it impossible for perfection to be maintained with any kind of consistency.

    Which is why we need to let go of the illusion that a “perfect” self exists—the one who always has the energy, will, and option to make the ideal choice—and support what our real self wants and needs.

    We’ve got four steps below to help you.

    4 steps to start taking effective (and realistic) action

    Now that we know what’s potentially getting in the way of taking productive action, here are four steps to get unstuck.

    Step #1: Explore the why before the how.

    Before you (or a client) start undertaking something you want to change, it’s helpful to understand your deeper motivations first.

    Do a little investigating by asking questions like:

    • What about this change is important to you?
    • How serious or pressing is this for you?
    • Why not continue doing what you’re already doing?

    You can also go through one of our favorite motivation-mining exercises, The 5 Whys.

    When you know why you want to change something, and you’re clear on the consequences of not taking action, you’ll be more likely to feel that deeper, more sustaining push to keep going, even when things get tough.

    Step #2: Prioritize the most effective actions.

    We can do all the things!! Really!! We just can’t do all the things… all at once.

    Effective change means being able to realistically:

    • Identify all the tasks, trade-offs, and commitments involved
    • Prioritize what matters for the results you want
    • Figure out what to do first

    What are the essentials in relation to your goal? Regardless of all goals, they likely include a movement practice, a nutrition practice, and/or a recovery practice.

    If you want some guidance on how to select the most effective action for your goal, check out our Skills, Practices, and Daily Actions Cheat Sheet.

    Here’s how to use it:

    ▶ Start with the domain you’re most interested in improving (such as “Nutrition” or “Stress”).

    ▶ Then, get specific about what skill within that domain you’d like to improve (for example, “Eat well intuitively”), plus the practice that most appeals to you within that skill (say, “Eat to satisfied”).

    ▶ Lastly, choose a daily action from the list of examples under your chosen practice. (For example, “Record hunger and fullness levels at the start and end of meals.”)

    Once you choose your action, make it work for you by following step 3, below.

    Step #3: Make sure you can take action, even on your worst day.

    “I like to challenge a client to set a pathetic goal. If it’s so pathetic, then obviously you can do it, right?” says Kate Solovieva, PN Super Coach and Director of Community Engagement.

    Sound inspiring?

    Maybe not.

    But if you’ve been struggling with consistency, it’s exactly where to start.

    Ask yourself:

    • What can I do on my absolutely worst day where everything goes wrong? How much time, effort, or enthusiasm will I realistically have?

    Five minutes of walking? 10 push-ups? One extra portion of veggies? Three conscious deep breaths before every meal? Nothing is too small; it just has to be something.

    Now you’ve got your floor.

    Then ask yourself:

    • What can I do on my best day, when I feel on top of the world and circumstances are on my side? How much time, effort, or enthusiasm will I realistically have?

    One-hour of all-out effort at the gym? Two hours of meal prep that will feed you and your family for the next three days? A 45-minute guided meditation?

    This is your ceiling.

    Now that you’ve identified your “floor” and your “ceiling,” you’ve defined a flexible range of actions that can adapt to your fluctuating, unpredictable, real life.

    But applying this range requires a paradigm shift:

    Your health habits aren’t an “on” or “off” switch; they’re on a dial.

    When life is sweet and smooth, you can turn your exercise, nutrition, and sleep dials way up—if you want. Bust through your PRs at the gym, eat all the arugula, meditate like a monk.

    But if life gets nuts, you don’t have to switch off completely.

    Just turn the dial down a little.

    The below is a visual representation of how this might work for exercise, but you can apply this same thinking to your nutrition, sleep, stress management, or whatever you’re working on.

    1-10 movement dial filled

    The important part: Even if you do your “floor” or “dial level 1” action—even if it’s for days on end—it still “counts.”

    You still get the gold star.

    Doing the bare minimum isn’t failing.

    It’s succeeding, in the context of a real, messy, beautiful life.

    Step #4: Create an ecosystem that supports you.

    Health and fitness professionals often forget how different their lives are from their clients.

    For example, many coaches work at gyms, enjoy being physically active, and hang out with other active people. Exercising regularly is almost easier to do than not do, because, as Coach Kate says, “they’ve built a life that makes that habit seamless.”

    So if you want to make your health goals more likely, Coach Kate offers this advice:

    “Build an ecosystem that makes failing nearly impossible.”

    When they want to make a change, many people assume that good intentions and willpower will be enough to carry them through. (And when they fail, naturally, they blame themselves for being “bad” or “weak.”)

    We often forget about the context and environment that shapes our behaviors—making certain actions more likely or less likely to occur.

    A recent review from Nature Reviews Psychology ranked different behavior change strategies and found that access was the number one influencer of people’s behaviors. (People who lived in neighborhoods with affordable grocers close by ate better, just like people who had to drive a long distance to the closest gym were less likely to exercise.6)

    Not everyone can change neighborhoods, but most people have some degree of control over their more immediate environments, and can leverage this power to shape desired behaviors.

    One example is the “kitchen makeover,” where you make sure foods you want to eat are washed, prepped, and at the front of the fridge, ready to eat on a whim. Meanwhile, foods that don’t support your goals get tossed, or relegated to the highest cupboard. (When you need a stepladder from the basement to reach the cookies, you might find you eat them less.)

    (If you want to try it out, check out our Kitchen Set-up Assessment worksheet.)

    Think about the goal you want to achieve, and the behaviors that support it. Then, evaluate how you might make small changes to your environment by:

    • Using a trigger: Sometimes called a “cue” or a “prompt,” a trigger is simply a reminder to do a desired action. For example, you might block the door of your home office with a kettlebell, reminding you that, every time you leave or enter the office, you have to do ten kettlebell swings. If you’re trying to cut down on mindless phone time, you can install an app that reminds you to shut things down after 20 minutes on social media.
    • Decreasing “friction”: Supermarkets put candy next to the checkout, making it easy to slip that chocolate bar into your cart while you’re standing in line, likely bored and hungry. You can be equally sneaky about encouraging positive behaviors too, such as putting fruit on your counter, ready for a quick snack, or packing your gym bag the night before, so it’s ready to grab on your way out the door before you change your mind.
    • Constraining available options: Whether it’s deleting time-sucking apps off your phone, removing foods you know you lose control around from your kitchen, or heck, creating a capsule wardrobe so you waste less time in the morning getting dressed, constraint can actually free up a lot of time, brain power, and energy.

    Invest your energy building the ecosystem that nudges you to make desired actions the obvious choice. This requires a little more work on the front end, but the payoff will be greater for less overall work.

    Embrace C+ effort.

    If you’re a perfectionist, or a former straight-A student, that line hurt to read.

    (Don’t worry. This C+ won’t result in your parents telling you that they’re disappointed.)

    But what all of the above barriers and solutions have in common, is that they recognize and work with our inherent imperfection.

    None of us is perfect, and expecting as much often results in failure (or at best, short bursts of success, followed by a crash).

    Adopt an attitude of compassion and acceptance towards your human self—who’s most likely trying their hardest—and work with your vulnerabilities, instead of constantly expecting yourself to grit your teeth against them.

    There will be times you’re getting “A’s” in fitness. That’s awesome. And you also don’t need to aim for C+. Just don’t think of yourself as a failure when you have to dial it down.

    Living a healthy, meaningful life means constantly striving to do our best—while also allowing for flexibility, mistakes, and bad days (or seasons).

    You’ll be surprised at how much better “good enough” is than nothing. Especially in the long run.

    References

    Click here to view the information sources referenced in this article.

    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.)

  • China factory output slumps but consumption offers bright spot

    China factory output slumps but consumption offers bright spot


    China factory output slumps but consumption offers bright spot

    An employee produces automobile gas cylinders for export at a factory in Ruichang, in eastern China’s Jiangxi province. US tariffs are dampening output of China’s manufacturing sector. (Photo by AFP) / China OUT / CHINA OUT

    BEIJING, China – China’s factory output grew slower than expected last month as trade war pressures bit, official data showed Monday, while a bump in a key gauge of domestic consumption offered a rare bright spot for the economy.

    The United States and China this month agreed to a temporary truce in a blistering trade war that saw tariffs hiked to eye-watering levels and upended global supply chains.

    Article continues after this advertisement

    And the impact of the standoff was highlighted Monday as a report showed industrial production grew just 5.8 percent last month, below the 6.0 percent predicted in a survey of economists by Bloomberg.

    READ: China factory output beats forecasts, weathering tariffs

    That was below a forecast-beating 6.1 percent in April, according to the data published by the National Bureau of Statistics (NBS).

    “Weaker external demand was partly to blame,” Zichun Huang, China Economist at Capital Economics said in note.

    “Despite the tariff truce, the contraction in industrial sales for export appears to have deepened last month.”

    Article continues after this advertisement

    However, retail sales — a key gauge of consumer demand — grew 6.4 percent year-on-year in May, according to the NBS, topping the 4.9 percent forecast in the Bloomberg survey and sharply up from April’s 5.1 percent increase.

    Zhiwei Zhang, president and chief economist at Pinpoint Asset Management, wrote in a note that the retail sales figures “came as a surprise” — pointing to the possible impact of a government trade-in programme for consumer goods.

    Article continues after this advertisement

    The NBS said the world’s number two economy “maintained stability” last month as authorities “stepped up the implementation of more proactive and effective macro policies”.

    But it added that “there are still many unstable and uncertain external factors, and the internal momentum for expanding domestic demand needs to be further strengthened”.

    Beijing has struggled to sustain strong growth since the pandemic, grappling with deep-seated problems at home including a persistent slump in domestic consumption and a debt crisis in the property sector.

    Commercial property prices in a representative group of 70 cities fell month-on-month in May, reflecting continued consumer caution, the NBS said.

    The surveyed unemployment rate — another closely watched figure as millions of young people struggle to find suitable work — edged down to five percent in May from 5.1 percent the previous month, the bureau said.

    China is targeting economic growth of around five percent this year.

    But the picture has been complicated by trade tensions with Washington that erupted in a gruelling tit-for-tat tariff war after US President Donald Trump took office in January.

    The two sides have since agreed a pause on retaliatory levies but have not yet announced a lasting deal.

    isk-mjw/oho/dan



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    © Agence France-Presse



  • Using Hierarchies to Accelerate Onboarding and Scale Efficiently

    Using Hierarchies to Accelerate Onboarding and Scale Efficiently


    This post is part of a series sponsored by AgentSync.

    The reality of today’s insurance landscape: Speed is king.

    One lead-response vendor study said 78 percent of sales go to the first vendor to respond to a lead. And speed has a positive correlation with insurance business sales, customer retention rate, and referrals.

    For insurance carriers and agencies, interactions with policyholders depend on your speed to quote, bind, and pay claims for retention. Speed is also vital in the less-visible parts of your business, where producers and other distribution channel partners decide which carriers to represent and quote coverage for.

    Yet, insurers and agencies know they can’t move so quick that they cut corners with compliance. So, how do you balance your need for speed with the knowledge that maintaining accuracy is paramount for producers and customers?

    The clear and obvious answer is to be proactive in taking a digital, technology-first approach to your producer onboarding, compliance, and distribution channel management processes. But not all tech solutions are the same.

    Hierarchy management: A hidden superpower

    Most producer compliance and distribution channel management systems have some element of data synchronization with the industry source of truth, some contracting components, and integrations with other systems (although we will certainly still argue that our versions of these things are a cut above the rest). However, most solutions in the market aren’t handling hierarchies well. Why is hierarchy management, of all things, worth the tech investment?

    Ultimately, it comes down to pairing speed with trust. Move fast and break things might work fine for Silicon Valley companies, but insurers and insurance agencies can’t afford to break things, whether it’s thanks to regulators or thanks to the sheer reputational risk with their partners and consumers. But the drumbeat of progress demands that insurers and their partners deliver at scale and at speed.

    Without robust hierarchy management, moving at speed with your distribution partners poses many risks.

    Why hierarchies matter—a nonhypothetical

    Before you prematurely dismiss the following risks, know that these aren’t just a thought exercise. One AgentSync partner revealed more than 4,200 unique business entities in their hierarchy. After being able to match up the different partnerships and business relationships in their system, they saw about 20 entities were responsible for more than 60 percent of their business volume.

    Without the visibility from mapping producers to their upstream and downstream business relationships, this business could be missing out on where to apply their efforts to best effect.

    Risks of running at speed with poor hierarchy management

    Siloed data

    When different departments manage hierarchy information on spreadsheets or in the “notes” of a digital file, your data ends up siloed. That exacerbates the already-mentioned problems and causes the extra headache of making producers correct and re-correct every new contact at your business. More than that, you can’t accurately assess how your partners are performing. Who’s worth the time and expense you put into your partners, and who’s losing you cash for every year you pay for an appointment fee? If you don’t have visibility into your partners and their relationships, you’re missing the data on who’s critical to your success.

    Wasting staff time and opportunity

    When your organization doesn’t have your partners categorized appropriately and doesn’t reflect their relationships with you and with each other, then accuracy is a tedious manual process that requires your staff to spend time hunting down information. Regional variations in an organization’s pecking order add up to hours of data reconciliation, and that comes at an opportunity cost for the other higher-leverage work your staff could be doing. If you don’t want to spend time manually fact-checking information, you can always just accept that you’ll have a higher not-in-good-order rate for your license or appointment applications or business or commission processing. Because who doesn’t love a nice high NIGO rate?

    Commission mismanagement

    If you don’t know how much every producer in your downline is owed and how to split commissions across their upline agents, you may be facing several risks. Your lowest risk is that you’ll mistakenly pay out a commission and then have to claw it back. But you also risk violating state laws about commission mismanagement and triggering a regulatory audit. If you have W-9 employees who sell on your behalf, commission mismanagement could put you up against Department of Labor protections.

    Reputational damage

    Missed, delayed, or clawed-back commission payment? Slow onboarding process? Every touchpoint with your partners and, by extension, their clients is a moment you’re either impressing or distressing them. When your system doesn’t accurately represent where an agent fits into their business’s hierarchy, it’s like being repeatedly called by someone else’s name over and over.

    Regulatory audit

    Problematic payments and inaccurate documentation risks drawing the ire of a state regulator. Worse, manual hierarchy management for insurance carriers and agencies may mean turning a simple data inquiry into a full-blown audit and costing hundreds of thousands of hours in the data search.

    Change management

    Let’s try on a hypothetical: Your downstream agency partner has been owned and operated by the same agent for 50 years. The new owner steps in, and suddenly there’s chaos. You have multiple places to update—decades’ worth of records and hundreds of contracts need to change to reflect this new information. It’s an administrative nightmare for both you and the newcomer to your partnership.

    What sets AgentSync Hierarchy Management apart

    AgentSync Hierarchy Management stands out from the current market standards because it:

    • Goes beyond simple parent/child relationships, and instead visualizes even the most complex hierarchies with the full context of who is licensed where for what contracts and products.
    • Flows data seamlessly through the entire AgentSync Manage system, updating a full set of hierarchy-linked records when licensing statuses change or a business adds new contracts.
    • Serves as the source of truth for hierarchy and relationship data, ensuring commission calculations in downstream systems are based on up-to-date, correct hierarchy info.
    • Streamlines workflows, with approval requests routing automatically to the right stakeholders, dramatically cutting down on the time needed to onboard a producer or restructure a team.

    Ultimately, much of what sets AgentSync Hierarchy Management apart is that it’s a solution purpose-built for insurance. Multi-level overrides, effective-dated changes, and required upline approvals? These aren’t some specialized custom work—these industry-specific needs come out of the box.

    By using modern, intuitive hierarchy management to power your distribution channel management, you can move at speed and at scale without the business risks inherent to manual and traditional methods of relationship management.

    To learn more about how AgentSync Hierarchy Management can speed your onboarding and scale your business efficiently, watch a demo or schedule a personalized consultation.

  • Why Saving The First ,000 Is Critical

    Why Saving The First $10,000 Is Critical


    When I started working out of college, I had one stream of income. My job.

    Now that I’m in my forties, with twenty-plus years of work behind me, I have several streams of income. Most of them are passive but none of them are special.

    And on the internet, there are thousands of “charlatans “experts” who will want to “teach” you about passive income. There is no course on passive income, it’s these three steps:

    1. The only way to get passive income is to invest in assets that produce cashflow.
    2. The only way to get cash to invest is to save your money.
    3. And the only way to save money is if you spend less than you earn.

    And so if you work backwards, the goal is to save your first $1,000. Then $10,000. Then $100,000.

    Check out this brilliant Charlie Munger quote:

    The first $100,000 is a bitch, but you gotta do it. I don’t care what you have to do – if it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit.

    If you don’t have $100,000 sitting in a brokerage account, your entire goal (financially) is to get to $100,000.

    If you have no savings, $100,000 can seem unattainable. It’s a HUGE number.

    So let’s break it down.

    Step 1: Get to $1,000 in savings

    Your first goal is to save up $1,000. Scratch and claw your way to $1,000. This means cutting the fat in your budget and trying to save as much as possible.

    This is important because if you do not have $1,000 in savings, it means you do not have an emergency fund. Any small emergency can derail you for months if not years.

    Need some ideas of where to start? Check out this list of 105 easy ways to save money.

    You need to cut as much bullshit out of your budget to get to $1,000 so that one financial misstep or accident doesn’t set you back.

    Step 2: Get to $10,000 in savings

    Once you hit $1,000, great! Your next target is $10,000.

    $10,000 is far but within reach. It’s also a sum that can be attained through the cutting of expenses, budgeting, and leaning on side hustles to earn extra cash. You can start doing things like switching banks to get a bank bonus and earn hundreds of dollars each time.

    You can and should save your way to $10,000.

    Then, invest that $10,000. (jump below to what to invest in – it’s a simple three fund portfolio)

    If you get an 8% return each year, that first $10,000 will get you $800.

    $800 sounds OK but not world changing, right?

    But as you grow your assets more and more, compounding will be working on a larger number.

    This is why it’s so important to save and invest. If you don’t, you will forever be trading your time for money. You want to build the habit now.

    Step 3: Get to $50,000 in savings

    Once you have $10,000 and are investing that money, it’s important to realize that it’s much harder to save your way to $50,000. You now have to lean more on the income side of the ledger and find ways to build that up.

    This usually involves investing in yourself to help you earn more. It may mean starting a side business that has the potential to grow beyond being a mere hustle. You can still save your way to $50,000 but it’s much slower.

    But at $50,000 and 8% return, your money is earning $4,000 a year. $50,000 becomes $54,000, which now gets you $4,320 a year. The interest keeps going up each year because your balance goes up.

    If you start with $10,000 earning 8% a year, it takes about 10 years to get over $20,000.

    But then only another 5 years to get over $30,000.

    Then only 4 to get over $40,000.

    The time it takes to add $10,000 gets shorter and shorter.

    That’s the power of compounding and eventually your money starts to earn more than you do. This can be both scary and exciting. (I call it escaping financial gravity)

    When it grows at 8%, over 30 years you’ll have 10x’d your money.

    $10,000 becomes $100,000 – and that’s with no additional contributions and no extra work by you.

    That’s why saving your first $10,000 is critical. You want to get that compounding clock started as soon as possible. The longer it works for you, the more your portfolio will grow.

    Where do you put it?

    First, make sure it’s in a high yield savings account so you’re earning interest. It won’t be a ton but it’s better than 0.01%, which is garbage.

    Then, you want to put it in a brokerage account and invest it in a three fund portfolio:

    • Domestic stock “total market” index fund
    • International stock “total market” index fund
    • Bond “total market” index fund

    These are Vanguard’s versions but you can use anything low cost (Fidelity, Charles Schwab, etc.):

    • Vanguard Total Stock Market Index Fund (VTSAX)
    • Vanguard Total International Stock Index Fund (VTIAX)
    • Vanguard Total Bond Market Fund (VBTLX)

    Then, get out of the way.