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  • Best Snack For Weight Loss: Smart Choices For Success

    Best Snack For Weight Loss: Smart Choices For Success


    If you are on a weight loss journey, chances are you have second-guessed every bite. That innocent-looking 20g chip packet? It probably felt harmless. But in reality, these tiny indulgences often derail your progress more than full meals do. The need to munch between meals is real, especially when you are on a calorie deficit or exercising more. Hunger hits harder, energy dips more often, and cravings become louder.

    Now, with the snack aisle exploding with “low-fat,” “guilt-free,” and “high-protein” labels, choosing the best snack for weight loss can feel like navigating a maze. And that is where most mistakes happen. Because not all that is marketed as healthy actually supports your goals. From hidden sugars to deceptive serving sizes, poor snack choices can spike your calorie intake and throw off your fat-burning rhythm.

    In this article, we unpack the fundamental role of snacks in weight loss. From understanding calorie science to picking the best snacks for a low-calorie diet, we guide you through it logically, scientifically, and with real snack options that work. And yes, we will help you identify which snacks are genuinely aligned with fat loss, and which ones only pretend to be.

    The Science of Weight Loss: What Really Works

    Weight loss is not about starvation; it is about creating a sustainable calorie deficit. That means your energy expenditure must exceed your energy intake. Every calorie you consume needs to have a purpose. It should either fuel your workouts, sustain your body functions, or keep you full enough to avoid overeating.

    But here is the challenge: when you eat less, you often feel less satisfied. Hunger and low energy creep in, leading to binge-eating later or giving up altogether. That is where good snacks for fat loss come in. They bridge the gap between meals, maintain your blood sugar levels, and help prevent impulsive choices like sugary drinks or ultra-processed food.

    According to a 2020 meta-analysis, meal frequency and quality play a bigger role than just calorie count. Having 1–2 nutrient-dense snacks per day can help regulate appetite, reduce hunger-driven overeating at meals, and improve metabolic health.

    The Role of Snacking in Weight Loss

    Snacking often gets a bad reputation in weight loss discussions, but it is not the act of snacking itself that is the problem. The real problem lies with what, why, and how we snack that matters. Healthy snacking can play a key role in bridging nutritional gaps, regulating hunger, and even preventing overeating at main meals. When done strategically, it helps sustain energy levels, improve portion control, and contribute to better dietary choices throughout the day.

    Healthy snacking can:

    • Prevent extreme hunger between meals, which often leads to binge eating. By keeping blood sugar levels steady, it reduces the likelihood of overeating at the next meal.
    • Support better portion control at lunch or dinner because you’re not arriving at the meal starving.
    • Stabilize blood sugar to avoid energy crashes, which can trigger cravings for sugary foods.
    • Improve overall nutrient intake, especially fiber, protein, and healthy fats that are often missing from larger meals.

    Unhealthy snacking, on the other hand, can:

    • Snacks consumed out of habit, boredom, or stress rather than actual hunger can lead to higher overall calorie intake.
    • Disrupt hunger cues, making it harder to recognize when you’re genuinely full or hungry.
    • Increase preference for high-sugar, high-fat foods due to constant exposure to hyper-palatable snack options.
    • This results in gradual weight gain and poor diet quality over time.

    In one study, researchers found that people who snacked on high-protein, low-sugar foods between meals had better satiety and improved weight management compared to those who chose carb-heavy snacks like cookies or crackers.

    Best Snacks for Weight Loss: What to Choose

    Snacking becomes effective for weight loss when the foods chosen are purposeful and nutrient-dense. The best snack for weight loss is not just about being low-calorie; it should also help manage hunger, provide nourishment, and fit into your daily routine. To be considered a smart snack, it must offer satiety, essential nutrients, and convenience without adding empty calories.

    Let us look at 16 scientifically supported snack options and what makes them a wise choice:

    1. Roasted Mung Dal

    Rich in plant-based protein and fiber, roasted mung dal is a crunchy and satisfying option. It helps control appetite and keeps you full between meals. Low in fat and calories, it works well as a mid-morning or late-evening snack.

    2. Greek Yogurt with Chia Seeds

    Greek yogurt is high in protein, while chia seeds add fiber and omega-3s. Together, they slow digestion, promote satiety, and support gut health. It is ideal post-workout or during afternoon slumps.

    3. Baked Beetroot Chips

    These are antioxidant-rich and lower in calories than traditional fried chips. High in dietary fiber and vitamins, they improve digestion and help reduce oxidative stress.

    4. Hard-Boiled Eggs

    A complete source of protein, hard-boiled eggs provide all nine essential amino acids. They are filling, portable, and perfect for maintaining muscle mass during weight loss.

    5. Mixed Nuts (Unsalted)

    Although calorie-dense, nuts offer protein, fiber, and healthy fats that promote fullness. Almonds and walnuts are great options, but must be eaten in controlled portions (a handful per snack).

    6. Apple Slices with Peanut Butter

    This sweet-savory combo offers natural sugars, fiber, and healthy fats. It stabilizes blood sugar and keeps hunger at bay. It can be a great afternoon snack.

    7. Edamame

    Packed with protein, fiber, and iron, edamame is filling and supports metabolic function. Steam or boil and enjoy it warm with a sprinkle of sea salt.

    8. Cottage Cheese with Berries

    Cottage cheese is a slow-digesting protein that helps preserve muscle mass. The combination of cottage cheese and antioxidant-rich berries makes this snack excellent for recovery and reduces sugar cravings.

    9. Carrot and Cucumber Sticks with Hummus

    This snack is fiber-rich, hydrating, and low in calories. Hummus provides protein and healthy fats. That makes it an excellent crunchy snack that satisfies.

    10. Soya Chips

    Baked and loaded with protein and fiber, soya chips are ideal for those seeking a savory snack that supports satiety and muscle recovery. They are also a perfect snack to keep you full between meals.

    11. Protein Bars (Check Labels)

    Protein bars are convenient on-the-go snacks, but one should choose them carefully. Look for bars with under 200 calories, at least 10g of protein, and minimal added sugar.

    12. Air-Popped Popcorn

    High in fiber and volume, popcorn keeps you full without too many calories. Avoid butter-laden versions. Season lightly with herbs for flavor.

    13. Chickpea Salad

    A combination of protein, fiber, and complex carbs. Chickpea salads are filling and can be prepped in advance for snack boxes.

    14. Dates with Almonds

    It is a natural, nutrient-dense sweet fix. Dates provide quick energy and antioxidants, while almonds bring in protein and fats. It is excellent for pre-workout or mid-afternoon.

    15. Beetroot and Quinoa Patties (Homemade)

    These patties combine fiber, protein, and complex carbs. Ideal as a warm snack or even a small meal replacement, they help you stay full and energized.

    16. Homemade Energy Balls

    Energy balls are an excellent choice for a healthy snack as they’re easy to make, portable, and packed with nutrients. Oats, nuts, and dried fruits give you a natural energy boost. They are also rich in fibre and protein, which helps keep you full. If you use honey or dates, they have no refined sugar, and you can customize them with flavors you love.

    Each snack serves a purpose, either to increase fiber, protein, or healthy fats, all of which play a role in fat metabolism and satiety.

    What to Avoid: Snacks That Hinder Weight Loss

    Not all snacks labeled as “healthy” actually support weight loss. Many processed snacks contain hidden sugars, unhealthy fats, and artificial flavors that spike your blood sugar and derail your efforts. These snacks offer little satiety and increase calorie consumption without delivering nutrition.

    Here are common culprits:

    • Packaged Chips: These are high in saturated fats, salt, and preservatives. The crunch may be satisfying, but they offer minimal nutrients and are easy to overeat.
    • Sugar-Loaded Granola Bars: Marketed as nutritious, but most are full of corn syrup, chocolate chips, and sugary coatings. They spike blood sugar and leave you hungry soon after.
    • Flavored Yogurt: Often packed with added sugars and artificial flavorings. They defeat the purpose of protein-rich yogurt by turning it into a dessert.
    • Instant Noodles and Soups: These are convenient but loaded with sodium, refined carbs, and MSG. They may suppress hunger temporarily, but do not support weight loss.
    • Diet Sodas and Low-Calorie Drinks: Zero calories do not mean zero effect. Artificial sweeteners can increase sweet cravings and disrupt gut microbiota.

    Ingredients to Watch Out for in Snacks

    When scanning snack labels, it is crucial to look beyond buzzwords like “low-fat” or “all-natural.” Many snacks contain hidden ingredients that sabotage weight loss.

    • High-Fructose Corn Syrup: A common sweetener linked to increased fat accumulation, insulin resistance, and inflammation.
    • Hydrogenated Oils: Source of trans fats that raise LDL (bad cholesterol) and lower HDL (good cholesterol), increasing cardiovascular risk.
    • Monosodium Glutamate (MSG): Often added to enhance flavor. It may lead to overeating by triggering reward centers in the brain.
    • Artificial Sweeteners: Although calorie-free, they may disrupt gut health, trigger sugar cravings, and create an illusion of healthy indulgence.
    • Refined Flours: Found in cookies, crackers, and white bread snacks. It is low in fiber and digested quickly, leading to hunger and blood sugar crashes.

    Choose snacks that are whole, minimally processed, and made with real ingredients like lentils, seeds, fruits, and legumes.

    Key Considerations When Choosing the Best Snacks for Weight Loss

    Choosing a snack should not be impulsive; it should be intentional and thoughtful. Here are smart criteria to use:

    • Caloric Density: Snacks should range between 120 and 250 calories. Anything above that may start competing with your main meals in terms of energy contribution.
    • Protein and Fiber: Look for snacks with at least 5–10 grams of protein and 3–5 grams of fiber. These nutrients slow digestion and help you stay full longer.
    • Quality of Fat: Always prefer unsaturated fats (from nuts, seeds, olive oil) over saturated or trans fats. Healthy fats promote hormone balance and satiety.
    • Low Glycemic Index: Low-GI snacks help maintain stable blood sugar, reduce hunger pangs, and prevent fat storage spikes.
    • Minimal Ingredients: The fewer the ingredients, the better. Choose snacks made with whole foods like lentils, legumes, vegetables, and seeds.
    • Packaging and Portions: Opt for portion-controlled packs or prepare your snacks in advance. It helps prevent accidental overconsumption, especially with calorie-dense options like nuts or protein bars.

    If in doubt, contact a certified health coach or registered dietitian who can help you select snacks that complement your eating style.

    HealthifyMe’s Smart Snacking Options

    HealthifyMe’s Healthify Store features curated snacks that meet the criteria for the best snacks for a low-calorie diet:

    • Mung Dal Chips: Packed with plant protein, baked, not fried, it is rich in B vitamins to support metabolism. These chips are low GI and gluten-free, great for blood sugar stability.
    • Beetroot Chips: These are baked, not fried. They are high in antioxidants, low in calories, and rich in fiber. They support digestive health and keep you fuller between meals.
    • Soya Chips: Each 30g serving offers 9.3g protein and 2.8g fiber. Made with soya flour, black gram dal, and chaat masala, these chips are flavorful, low in sodium, and perfect for strong bones and metabolic energy.

    These snacks are not just better; they are built for those on their weight loss journey. You can explore more options via HealthifyMe Coach Ria or by checking the Healthify AI-powered snack suggestions tailored to your goals.

    HealthifyMe Note

    Snacking is not your enemy. In fact, done right, it is your ally. But marketing can blur the lines between helpful and harmful. As a HealthifyMe coach, I often tell clients: Do not judge a snack by its front label. Look at the ingredient list. Ask yourself: Is this working for me or against me? A balanced snack should satisfy your taste buds and support your body’s needs. When in doubt, consult a coach, not a commercial. Remember, successful weight loss is not about restriction. It is about informed nourishment.

    The Final Word

    Weight loss is not a one-size-fits-all formula. What works for one may not work for another, but one thing is universal: how you snack matters. The best snack for weight loss is one that nourishes your body, satisfies your hunger, and supports your goals without compromising taste or joy.

    Whether you struggle with late-night munching or need fuel between meetings, choosing good snacks for fat loss can make all the difference. Pick high-protein, fiber-rich, and low-GI options that keep you full and energized. Avoid ultra-processed traps that quietly sabotage your progress.

    At HealthifyMe, our snack range is crafted to match real goals with real ingredients. With our AI-powered Coach Ria and personalized plans, finding the best snacks for a low-calorie diet has never been easier. So the next time hunger strikes, reach for something smarter, and trust that even small choices can create significant changes.

    Frequently Asked Questions (FAQs)

    Q: Can I snack and still lose weight?

    A: Absolutely. Smart snacking helps bridge the gap between meals, prevents extreme hunger, and improves portion control during main meals. The key is choosing nutrient-dense, portion-controlled snacks that align with your calorie goals.

    Q: What is the best snack for weight loss?

    A: The best snack for weight loss is one that is high in protein and fiber, low in sugar, and supports satiety. Snacks like mung dal chips, Greek yogurt with chia, or roasted chickpeas are great examples. They keep you full while delivering key nutrients.

    Q: How many snacks should I have per day on a weight loss plan?

    A: Typically, 1–2 snacks per day is ideal, depending on your daily calorie budget and meal size. These should contribute to overall nutrition without exceeding your total energy intake.

    Q: What are good snacks for fat loss during evening cravings?

    A: Choose low-sugar, high-protein snacks like boiled eggs, soya chips, or hummus with veggie sticks. These prevent blood sugar dips and help control late-night eating.

    Q: Are packaged snacks okay for weight loss?

    A: Yes, but only if they are low in added sugars, baked not fried, and made with whole ingredients. Brands like Healthify Store offer snacks like mung dal chips or soya chips that are designed with weight management in mind.

    Q: Should snacks be avoided completely when trying to lose weight?

    A: No, skipping snacks can lead to excessive hunger and overeating later. The goal is to snack mindfully. Hence, choose quality over quantity, and eat only when truly hungry.

    Q: How do I choose the best snacks for a low-calorie diet?

    A: Look for snacks with fewer than 200 calories, moderate protein (5–10g), fiber (3 g+), and no added sugars or refined oils. Keep servings controlled and choose foods that support your energy and digestion.

    Q: Do healthy snacks actually help with fat-burning?

    A: Yes, when paired with a calorie-controlled diet and exercise. Healthy snacks help sustain your metabolism, reduce the risk of muscle loss, and support fat oxidation by regulating blood sugar and insulin levels.

    Research Sources

    1. Meal and snack frequency in relation to diet quality in Japanese adults: a cross-sectional study using different definitions of meals and snacks

    2. Optimal Diet Strategies for Weight Loss and Weight Loss Maintenance

    3. Associations between snacking and weight loss and nutrient intake among postmenopausal overweight-to-obese women in a dietary weight loss intervention

    4. Snack Food, Satiety, and Weight

    5. The Science of Snacking – The Nutrition Source

    6. Snacks for Adults

    7. Food choices for weight loss: What dietary strategies would people use?

    8. Which foods to avoid when trying to lose weight

  • Gen Z Turns To Siblings And Side Hustles To Afford Homes Amid Soaring Prices

    Gen Z Turns To Siblings And Side Hustles To Afford Homes Amid Soaring Prices



    Steep home prices and high mortgage rates are leading Gen Z to find innovative ways to become homeowners. One popular strategy seems to be co-purchasing homes with siblings.

    What Happened: According to Bank of America’s 2025 Homebuyer Insights Report, 22% of Gen Z homeowners reported purchasing their home with a sibling in 2025.

    According to a Fortune report, the figure is up from 12% in 2024 and 4% in 2023. At the same time, 30% of Gen Z buyers said they took on a second job to fund their down payment, compared to 28% the previous year and 24% the year before that.

    Co-purchasing homes outside of romantic partnerships is on the rise. Almost 15% of Americans have done so, according to a 2024 JW Surety Bonds survey. Gen Z’s main source of support is family. 21% of future Gen Z buyers plan to depend on family loans, compared to 15% of overall respondents.

    See Also: Gen Z Feels Judged For Their Money Decisions And Half Faults Schools For Budget Blowups, Finds Poll

    Why It Matters: Uncertainty in the housing market has led 60% of current homeowners and would-be buyers to be unsure if it is the right time to purchase. This is up from 57% in 2024 and 48% in 2023.

    Despite challenges, BofA’s head of consumer lending, Matt Vernon, said Gen Z is not waiting to take action: “They are finding creative ways to afford down payments and working hard to improve their financial futures.”

    The desire to own a home is still strong: “Even with the challenges they face, younger generations still understand the long-term value owning a home offers them,” Vernon added.

    U.S. Census Bureau data shows the homeownership rate for those under 35 fell to 36.3% in late 2024 but rose to 36.5% in early 2025. Redfin now reports home prices falling in 11 of the 50 largest metro areas, stating that the “balance of power in the U.S. housing market has shifted toward buyers.”

    Even though Zillow is projecting a 1.9% decline in values by year’s end, Gen Z is not waiting for perfect conditions.

    Read Next:

    Photo courtesy: Shutterstock

    Market News and Data brought to you by Benzinga APIs

    © 2025 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

  • How Lobbyists Are Blocking Local Efforts to End Water Fluoridation

    How Lobbyists Are Blocking Local Efforts to End Water Fluoridation


    As of 2022, the U.S. Centers for Disease Control and Prevention (CDC) reports that 72.3% of Americans on community water systems — roughly 62.8% of the total population — receive fluoridated water.1 This practice began in the 1940s, based on the belief that adding fluoride to municipal water supplies would reduce tooth decay.2

    However, a growing body of research shows that fluoride offers little, if any, benefit for dental health and comes with significant risks. Fluoridating public water effectively doses the entire population without consent, including vulnerable groups like pregnant women, infants, and people with medical conditions that make fluoride exposure more hazardous.

    Globally, most countries have rejected water fluoridation. Nations such as Germany, Sweden, and the Netherlands do not fluoridate their water, yet they report dental health outcomes that rival those in the United States.3 Despite this, the U.S. remains an outlier, continuing to fluoridate water despite growing concerns about this practice.

    A recent investigation from a small town in North Dakota reveals the deeper issue — powerful interests with a stake in fluoridation are driving its continued use, despite mounting scientific evidence of harm. The result is a public health tradeoff with serious consequences, especially for children’s brain development.4

    Washburn Uncovers the Fluoride Playbook

    In April 2025, the nonprofit investigative group Children’s Health Defense published a detailed report exposing how Washburn, a small North Dakota town of just 1,300 residents, became the target of a federally backed effort to override local authorities in their effort to end water fluoridation.5

    • Washburn’s commissioners voted to end fluoridation — Washburn’s commissioners voted 4-1 to stop adding fluoride to the town’s water supply. Their decision came after months of research, public discussion, and expert testimony revealing that fluoridation offers little to no dental benefit while exposing children to documented neurological harm.

    • A growing number of communities are moving away from fluoridation — The town became the latest of rural and suburban communities rejecting water fluoridation in light of emerging research regarding its negative health effects. The evidence driving this movement links fluoride exposure to lowered IQ and impaired brain development, even at levels currently promoted by U.S. health agencies.

    • Commissioners encountered orchestrated resistance — When the issue was first raised in January, town leaders anticipated a good-faith conversation. Instead, they were immediately met with a wave of pressure that did not originate from within the community.

    Letters poured in from out-of-state dental associations, many using identical language and arguments. A closer inspection revealed they were copied from templates circulated by fluoride advocacy groups.

    • Public records exposed misuse of federal funds — In response to the unusual intensity of the lobbying, Commissioner Keith Hapip filed a public records request to investigate potential coordination behind the scenes. The documents he obtained confirmed that Jim Kershaw, a fluoride advocate and water superintendent from Bismarck, had worked with North Dakota’s Oral Health Program (OHP) to oppose Washburn’s reconsideration of fluoridation.

    Kershaw’s travel expenses to the meeting, despite his public claims of attending on his own, were reimbursed by North Dakota OHP. The OHP is funded by a $380,800 CDC grant and a $400,000 HRSA grant, both of which explicitly prohibit lobbying or influencing legislation.

    • Officials were instructed to suppress opposition, not educate — Emails uncovered in Hapip’s records request painted a picture of strategic interference rather than neutral public health support. North Dakota’s OHP Director Cheri Kiefer encouraged Kershaw to “flatten them like a pancake,” referring to Washburn’s elected officials.

    The communications included pre-approved form letters for dentists to submit and talking points crafted to maintain the appearance of independent advocacy. These tactics were designed to drown out local debate and create a false impression of unanimous expert support for fluoridation.

    • Critics of fluoridation were deliberately silenced and discredited — After identifying the uniformity of the opposition letters, Hapip contacted several of the dentists to ask their opinion on recent studies linking fluoride to neurodevelopmental harm. None responded.

    The emails revealed that these inquiries were forwarded to Kershaw, who instructed the dentists not to engage. Following this, Kershaw shifted to using a personal email account rather than his government-issued address, suggesting an attempt to shield communications from further public scrutiny and evade accountability.

    • ‘Astroturfing’ was used to manufacture fake public support — “Astroturfing is when a group with money and power pretends to be regular folks supporting something, but it’s really a planned push from the top,” Hapip explained. “Real grassroots come from the community naturally. And here, the oral health program used CDC cash to manufacture support for fluoridation in Washburn.”

    • Unprofessional and hostile behavior confirmed private disdain for public dissent — In one email, Dr. Johnny Johnson, president of the American Fluoridation Society, used vulgar language to insult Hapip before offering to respond directly to his inquiries.

    Kershaw replied, “Don’t reply to him now, I have a plan.” This behavior revealed not only a strategic intention to suppress Washburn’s efforts, but also a broader culture of disdain toward any officials questioning the fluoridation narrative.

    • Other towns are facing the same blueprint of manipulation and reversal — According to the report, nearly identical tactics were used in Grand Forks, where officials also received the same copy-paste letters from dentists ahead of a local fluoridation vote. In McVille, a nearby town that had previously voted to end fluoridation, the decision was reversed after Johnson and his allies flew in to pressure the council.

    Hapip has since filed a formal complaint with the North Dakota Department of Health and Human Services, arguing that the misuse of federal funds and the targeted silencing of local voices represent a fundamental threat to democratic health policy.

    A Public Health Tradeoff We Can’t Afford

    Even if fluoride reduces cavities, the price we pay is far too steep. Dental caries is a visible, treatable condition, but neurodevelopmental harm is invisible and permanent. Sacrificing cognition to preserve enamel is not a public health advancement but a societal regression.

    • Fluoride exposure causes measurable IQ loss in children — A 2023 meta-analysis of 12,263 children across seven countries showed an average IQ drop of 5.6 points among those with higher fluoride exposure.

    The drop in IQ got worse with higher fluoride levels, even at amounts once thought to be “safe.” Children with urinary fluoride levels of just 0.28 milligrams per liter (mg/L), equivalent to common fluoridated water consumption, had detectable cognitive deficits.6

    • Neurodevelopmental harm is permanent and population-wide — The National Toxicology Program’s 2024 report concluded with “moderate confidence” that fluoride exposure, even at levels near the current U.S. target of 0.7 mg/L, impairs cognitive performance in children. The damage occurs during vital stages of brain development, especially in utero and early childhood. These effects are consistent across studies, populations, and methodologies.7

    • Fluoride disrupts early brain development through hormone interference — Studies show that when babies are exposed to fluoride in the womb, they’re more likely to have impaired executive function and higher rates of ADHD symptoms. These effects are likely caused by thyroid hormone disruption. Florida’s top health official, Surgeon General Joseph A. Ladapo, cited these findings in calling for an end to water fluoridation.8

    • Fluoride also affects vital organs and blood function in fetuses — A 2024 study published in Environmental Health9 revealed that increasing maternal fluoride concentrations were linked to negative effects on kidney and liver function, which play important roles in systemic detoxification and are known to accumulate more fluoride than other organs in the body.

    The study also showed that fluoride exposure lowered key proteins involved in the complement cascade, a part of the immune system that helps control inflammation and affects how a baby’s body develops. Researchers also found changes in proteins linked to blood clotting, suggesting that fluoride may interfere with normal blood function during fetal development.

    For a deeper review of the science linking fluoride exposure to cognitive harm, see the article “Fluoride’s Hidden Danger — Lower IQ in Children Exposed.”

    Other Health Risks Linked to Long-Term Fluoride Exposure

    While officials continue to champion fluoridation as a win for dental health, modern toxicological research tells a different story. Over the past decade, peer-reviewed studies have drawn direct connections between fluoride exposure and various health conditions.

    • Fluoride accumulates in bone tissue, leading to skeletal fluorosis — Chronic fluoride causes it to build up in the bones, which leads to stiff joints, hardened ligaments, and trouble moving around. In areas with moderate to high fluoride exposure, this buildup leads to a serious, irreversible condition called skeletal fluorosis. The early stages often mimic arthritis and remain undiagnosed until permanent damage is done.10,11

    • It alters calcium metabolism and increases fracture risk — Fluoride impairs the balance between bone-forming and bone-resorbing cells, weakening bone structure over time. In populations with long-term fluoride exposure, studies have found increased rates of hip and wrist fractures.12,13,14

    • It disrupts endocrine function beyond the thyroid — Fluoride exposure has been linked to impaired glucose metabolism and altered insulin sensitivity, raising concerns about its role in metabolic diseases.15 Some studies suggest fluoride interferes with the pineal gland, reducing melatonin production and affecting sleep-wake cycles.16

    • It contributes to muscle atrophy with prolonged exposure — A 2022 study found that long-term fluoride exposure breaks down key proteins in muscles, which leads to muscle shrinking and weakness. The degradation was driven by the upregulation of a pathway linked to muscle wasting.17

    If fluoride were a prescription drug, it would require labeling, dosage control, and patient approval. But as a water additive, it bypasses all safety protocols. For more on how fluoride entered the water supply without proper regulatory oversight, see “Fluoride: Poison on Tap.”

    What Does This Mean for You and Your Community?

    If you live in a town where fluoride is added to the water, you need to understand that the decision was likely made decades ago without your input. These policies often stay in place simply because no one has reexamined them, not because current science supports them. In many cases, community members are unaware that they are consuming a substance with documented long-term risks.

    • You have a right to know what is in your water and how it affects your health — You also have a right to question policies that were never based on your consent. This is not just a health issue — it’s about bodily autonomy and the freedom to make informed decisions.

    • Ask your local water utility whether your town fluoridates its water — Request documentation on the exact levels and how they are monitored. If your town does add fluoride, ask your local officials to revisit the decision and hold public hearings that include updated research and diverse expert perspectives.

    • Review the current science for yourself — Check peer-reviewed studies and credible sources that are not tied to fluoride lobbying groups and acknowledge both risks and benefits. Don’t just accept promotional material from agencies with a vested interest in preserving the status quo.

    • If officials are hiding information, demand transparency — You can request internal communications and policy documents. Many of the most revealing details in Washburn came from Freedom of Information Act requests that exposed what officials were trying to hide. These tools are available to you as well.

    • Your community has more power than you think — Most importantly, remember that small towns have power when residents stand together. Washburn’s commissioners stood firm despite coordinated opposition from well-funded institutions. They relied on public records, credible science, and a clear understanding of their responsibility to protect residents. That approach is available to any community willing to confront the evidence directly.

    5 Practical Ways to Lower Your Fluoride Exposure

    With growing evidence linking fluoride to serious health risks, especially for children, it’s more important than ever to take action. Protect your family’s health by following these key steps to reduce fluoride exposure in your daily life:

    1. Install a comprehensive water filtration system — Install a high-quality filtration system designed to remove fluoride from your drinking and cooking water.

    Basic carbon filters like Brita and PUR, as well as standard water softeners, won’t remove fluoride, so make sure your system is designed specifically for it. While reverse osmosis has been the standard for removing fluoride for years, it has significant drawbacks, such as wasting water and removing healthy minerals from the water.

    Similarly, bone char technology requires the water to be acidic to work properly. Also remember to filter your shower and bath water. Fluoride is absorbed through the skin, so adding filters to showerheads and other water sources throughout your home gives you better protection.

    2. Use fluoride-free water for infant formula — If you’re feeding your baby formula, never use fluoridated tap water to mix it. Infants consuming formula prepared with fluoridated water ingest significantly more fluoride than breastfed babies, posing risks to their developing brains. If breastfeeding isn’t an option, opt for filtered, fluoride-free water to protect your baby’s neurological development.

    3. Switch to fluoride-free toothpaste and oral care products — Fluoride-containing toothpaste and dental products are among the most common sources of daily fluoride exposure. Avoiding them is one of the simplest ways to lower your intake.

    Take time to research fluoride-free alternatives and read ingredient labels carefully. Many conventional brands also contain other harmful chemicals like triclosan, sodium lauryl sulfate, propylene glycol, diethanolamine, parabens, and plastic microbeads.

    For a safer and more affordable option, consider making your own toothpaste at home. A basic recipe includes a few tablespoons of organic coconut oil and baking soda, a pinch of Himalayan salt, and a drop of peppermint essential oil for a clean, familiar flavor.

    4. Watch out for hidden fluoride in food and drinks — Fluoride shows up in many processed foods and beverages that were made using fluoridated water. Tea leaves naturally absorb fluoride, too. If you’re a tea drinker, switch to white tea, which tends to have lower levels than black or green teas.

    5. Get involved in your community — Engage in local water policy discussions and advocate for the removal of fluoride from community water supplies. Share credible research on fluoride’s neurotoxic effects with neighbors and local officials to raise awareness. More than 200 million Americans are still drinking fluoridated water without informed consent. Your voice can help change that.

    Frequently Asked Questions (FAQs) About Water Fluoridation

    Q: Why is fluoride added to drinking water?

    A: Fluoride was added to public water systems beginning in the 1940s based on early studies suggesting it helped reduce tooth decay. It was promoted as a cost-effective way to improve dental health on a large scale. However, newer research shows its benefits are mostly from topical exposure, not ingestion, and that ingesting fluoride carries serious risks.

    Q: How does fluoride affect children’s brain development?

    A: Multiple high-quality studies have shown that fluoride exposure, especially during pregnancy and early childhood, is linked to lower IQ and impaired cognitive development. For instance, a 2023 meta-analysis found an average IQ drop of 5.6 points among children exposed to higher fluoride levels.

    Q: Do other countries fluoridate their water like the U.S. does?

    A: No. Most developed countries do not fluoridate their public water supplies, citing concerns about safety, ethics, and lack of clear systemic benefit. These countries achieve equal or better dental health outcomes through topical fluoride use, access to care, and nutrition without mass medicating the population.

    Q: Can I filter fluoride out of my tap water at home?

    A: Yes. However, most standard home carbon filters do not remove fluoride. To reduce fluoride, you need a filter specifically designed to filter it out, so do your homework.

    Q: What can I do if I want fluoride removed from my community’s water supply?

    A: Start by requesting your local water report and confirming whether fluoride is being added. Then contact local officials to request a policy review. Organize educational forums, submit public records requests, and share peer-reviewed research with decision-makers. As Washburn proved, community action can overcome even coordinated resistance and change outdated policies.

  • F1 news: 6 storylines for the Canadian Grand Prix

    F1 news: 6 storylines for the Canadian Grand Prix


    After a much-needed break for the grid, Formula 1 is back this week with the Canadian Grand Prix.

    And there is much to discuss.

    From some fascinating fights shaping up throughout the standings, to one driver who is on the cusp of a suspension, and another who may be forced to miss his home race due to injury, there are no shortage of storylines.

    Let’s dive into the major talking points for the Canadian Grand Prix.

    Checking in on the F1 title races

    With the latest triple-header in the rear-view mirror, it is time to check in on both title races.

    The Spanish Grand Prix offered the latest twist to a fascinating F1 Drivers’ Championship fight. Lando Norris’ win in the Monaco Grand Prix pulled him to within just three points of teammate Oscar Piastri atop the standings, but Piastri’s command performance in Barcelona pushed that gap back to ten points, as he finished up front ahead of Norris as McLaren locked out the front row.

    Perhaps more intriguing is what happened behind them. As the grid arrived in Barcelona Max Verstappen was just off the pace, only 25 points behind Piastri and 23 points behind Norris. But as we will discuss in a moment, Verstappen’s tenth-place finish in Barcelona — coupled with the one-two performance from the McLaren duo — dropped him further away from the front. As the grid heads to Montreal Verstappen sits 39 points behind Norris and 49 points behind Piastri.

    And with George Russell only 26 points behind Verstappen, the gap is closing up behind him too.

    As for the Constructors’ Championship race, McLaren remains the class of the field, as the Woking-based team has 362 points on the season, putting them 197 points clear of the team in second.

    That team?

    Ferrari.

    After all the consternation in recent weeks about the Scuderia a third-place finish from Charles Leclerc and a sixth-place result from Lewis Hamilton pushed Ferrari into P2, six points clear of Mercedes and 22 points clear of Red Bull.

    There is a long way to go until trophies are handed out, but the fights at the front are fascinating indeed.

    Whither Lance Stroll?

    In the hours leading up to the Spanish Grand Prix, word broke that Aston Martin driver Lance Stroll would be withdrawing from the race, citing pain in his hands and wrist. Stroll underwent surgery ahead of the 2023 Bahrain Grand Prix after a cycling accident during pre-season training, and made a stunning return to the grid for the first race of the season, where he finished sixth.

    However, his status for this week, his home race, is in doubt.

    Mike Krack, the team’s Chief Trackside Officer, relayed that “Plan A” is for Stroll to be in the AMR25 this week. But Krack conceded that much is up in the air before the teams head to Montreal.

    “At the moment, it’s really difficult to tell you how it’s going to go, and what is going to happen in the next days, but we will find out,” Krack said to the official F1 website.

    And if Stroll cannot race this weekend, there are further complications. Reserve drivers Felipe Drugovich and Stoffel Vandoorne are on standby, but both are slated to drive in the 24 Hours of Le Mans, which conflicts with the Canadian Grand Prix. Jak Crawford, who drives in F2 and is part of Aston Martin’s driver development program, currently lacks the requisite points on his FIA Super License.

    “It is quite simple, the ‘Plan A’ is to have Lance in the car – that is the ‘Plan A’, and that is what we are working to,” said Krack. “If the ‘Plan A’ does not work, then we need to pull ‘Plan B’.

    “Obviously we always knew that Le Mans was going to happen, so we also had plans in place that if we need a driver that is doing Le Mans, we will bring him, but at the moment this is not the only question,” added Krack.

    “We wait what the next days are bringing, and then we take a decision.”

    Max Verstappen on the cusp of an unexpected vacation

    F1’s latest triple-header ended with a penalty, putting the defending Drivers’ Champion on the precipice of a one-race penalty ban.

    Max Verstappen’s incident with George Russell in the closing stages of the Spanish Grand Prix resulted in not just a ten-second penalty from the race stewards for the Red Bull driver (which dropped him to P10) but a three-point penalty on his FIA Super License. That increased Verstappen’s current penalty tally to 11 points, putting him one point shy of a one-race suspension.

    Complicating matters is the fact that the next points to expire on Verstappen’s Super License, the two he received for an incident with Lando Norris at last year’s Austrian Grand Prix, do not expire until the end of the month.

    That means Verstappen has to navigate both the Canadian Grand Prix this week, and the Austrian Grand Prix later this month, without incident.

    All eyes on Red Bull’s second seat … again

    Verstappen standing on the precipice of a one-race suspension is not the only major storyline at Red Bull.

    It is time to talk about the second seat … again.

    Yuki Tsunoda, tapped by the team as a replacement for Liam Lawson after just two races this year, has not delivered the kind of results Red Bull is hoping for out of their second seat. Tsunoda has banked just seven points since his promotion to the senior team, a mark that has seen drivers such as Alexander Albon, Carlos Sainz Jr., Nico Hülkenberg, Esteban Ocon and yes, Isack Hadjar, outscore him over that stretch.

    Now there are rumblings that Hadjar could be the next driver to earn a promotion to Red Bull. “There is one driver who Racing Bulls think has a very similar style to Max Verstappen. I don’t think he’s ready yet. But is Isaac Hadjar the answer to their problems?” asked Sky Sports F1’s David Croft in recent days.

    “If Hadjar is the closest thing to Max Verstappen, then he has the easier task of adapting to that car, which has been designed and developed more to Max’s liking.

    “Red Bull say because Sergio Perez was a bit reluctant in coming forward to give feedback last year, so therefore, the feedback was all Max’s, therefore, the car kind of went in a Max direction.”

    The issue of the second seat at Red Bull has lingered since Daniel Ricciardo departed from the team after the 2018 season, and now even Verstappen is wondering why this remains a problem for the team.

    “Yuki isn’t a pancake. This [with the 2nd Red Bull driver] has been going on for a long time,” said Verstappen at the Spanish Grand Prix.

    “Maybe that’s a sign. Of what? That you can decide yourself.”

    Then there are the rumors that the team is looking for approval for 17-year-old Arvid Lindblad to receive an FIA Super License. Lindblad, who sits third in the F2 Drivers’ Championship standings and is coming off a win in the F2 Feature Race at the Spanish Grand Prix, is considered one of the sport’s brightest young talents. But as he is yet to turn 18, he would need approval from the FIA to drive in F1.

    He turns 18 in August.

    Might this be a backstop should Verstappen receive a penalty as outlined above? Consideration for another mid-season move?

    Or just more fodder for people like me?

    Is the front-wing saga settled?

    Entering the Spanish Grand Prix, front wings were the talk of the paddock.

    With the sport’s governing body instituting stricter testing on front wings, to cut down on the “flexi-wing” saga that dominated the conversation the past several months, there was rampant speculation that the new requirements would shake up the pecking order, and perhaps knock McLaren down a bit.

    The corresponding front-row lockout from Piastri and Norris ended that speculation, at least for now.

    Is the “flexi-wing” saga truly over, or does Montreal spring a surprise?

    Has a new contender emerged in the midfield fight?

    Williams expected a difficult week in Barcelona, and those premonitions were proven correct as the team endured their first point-less race week since the Bahrain Grand Prix. Still, they sit comfortably in fifth place in the Constructors’ Championship race with 54 points, 26 points clear of Visa Cash App Racing Bulls. Haas sits seventh in the table with 26 points, just two behind the tally of VCARB.

    But did a new contender emerge in Barcelona?

    Nico Hülkenberg’s stunning fifth-place finish in the Spanish Grand Prix, which included an overtake of Lewis Hamilton on the penultimate lap, delivered ten massive points for Sauber, propelling them up to eighth in the standings. Despite entering the Spanish Grand Prix sitting tenth in the Constructors’ Championship, that result brought their season tally to 16, tying them with Aston Martin but giving Sauber the tiebreaker edge.

    Can Sauber keep that momentum going in Montreal?

  • Why More Drivers are Leaving the Dealership with a Lease and Not a Loan

    Why More Drivers are Leaving the Dealership with a Lease and Not a Loan


    Why More Drivers are Leaving the Dealership with a Lease and Not a Loan

     

    For many Americans, access to a personal vehicle is a necessity, but like most other consumer goods, the price of owning one has risen. Last year, car buyers sought to lease vehicles instead of obtaining traditional car loans, with the former option accounting for about 25% of new vehicle purchases, according to Experian’s State of the Automotive Finance Market Q3 2024 report.

    This continues a rising trend from 2023, when leases comprised approximately 20% of new vehicle purchases versus about 17% in 2022. This purchasing shift follows a drastic increase in vehicle loan interest rates, nearly doubling throughout 2022 after sitting at historic lows.

    The debate about leasing or purchasing a car depends heavily on a consumer’s situation and plans for the vehicle. Leasing can provide an attractive option to consumers with lower down and monthly payments while offering a commitment to shorter terms than a traditional automotive loan. Leasing can also grant consumers more immediate access to higher-end vehicles they would not usually be able to buy with the terms of a traditional loan, allowing them more flexibility in obtaining payments compatible with their finances. Since leased vehicles are only in a consumer’s possession for a certain length of time, they can also save on maintenance costs over the vehicle’s lifespan.

    On the other hand, purchasing a car allows consumers to fully own a vehicle without the need to watch out for any mileage restrictions. Buyers also won’t need to fret over potential additional costs for wear and tear beyond the typical scratch. Owners can also sell their vehicles or trade them for credit toward their next car purchase.

    Buyers are only beginning to see a shift in car prices and interest rates, finally cooling off after going into post-COVID-19 pandemic overdrive. With vehicle prices and financing rates remaining relatively high, more people will likely consider leasing instead of buying.

    The General used data from the consumer analytics firm Experian to illustrate how leasing has grown in popularity over the past two years and how much money leasing can save consumers each month.

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    The General

    Consumers Increasingly Favor Leasing Amid Elevated Interest Rates

    Vehicle finance rates and the prevalence of leasing reached a historic low in 2022 after the economic disruption from the pandemic. As the Federal Reserve enacted several rate cuts between 2022 and 2024, vehicle financing rates rose, and the number of consumers seeking leases rebounded.

    Finance rates for new and used vehicles increased, and the prevalence of leasing rose from prime to subprime borrowers, indicating an increased popularity of leasing among the buying public. Prime borrowers have good credit and are considered the least likely to default on loans; in contrast, subprime borrowers have a higher risk of nonpayment due to limited or damaged credit histories.

    Monthly payments on leases also fell throughout 2024, making them more appealing to consumers attempting to offset higher monthly financing rates with lower monthly payments. Consumers are also looking to avoid being locked into longer-term loans by holding off on their next car purchases or opting for shorter-term financing with tolerable interest rates, which allow them more flexibility on buying their next vehicle and credit.

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    The General

    Monthly Savings Add Up on Lease Payments Compared to Loans

    Among the most commonly leased vehicles of 2024, consumers saved an average of approximately $148 per month. The actual dollar amount varied across cars, with the Tesla Model Y having an average savings of $75 and the Ford F-150 having an average monthly savings of $356. Differences can vary widely for vehicles that are not commonly leased.

    The Honda CR-V was the most popularly leased vehicle of the year, with the Tesla Model Y, Jeep Grand Cherokee, Honda HR-V, and Chevrolet Equinox also ranking in the top 10, exhibiting a large shift for consumers toward SUV models, which accounted for over 61% of all newly financed vehicles in the third quarter of 2024.

    The Chevrolet Silverado 1500 and Ford F-150 were also among the most popular vehicles to lease, which shows that consumers in need of pickup trucks can obtain access to the vehicles despite their high overall cost and financing rates. Electric vehicles were also popular to lease, with the Tesla Model Y and Model 3 among the top 10 most popular.

    The General

    EV Leases Can Save Consumers Even More

    EV buyers saw even bigger savings on leases than purchases, with the average savings on an EV lease being $198. This was a $50 savings over the average monthly lease for gas vehicles. Since EVs usually have a higher average price overall, they tend to have higher monthly payments than leases.

    Among the most commonly leased EVs, such as the Kia EV9, Cadillac Lyriq, Hyundai Ioniq 5, and Nissan Ariya, an average monthly lease payment was over $300 less than an average monthly payment on a loan. The Chevrolet Blazer EV saw one of the biggest differences, with an average monthly lease of only $429. In contrast, an average monthly loan payment was nearly double that, at $822, for an average monthly savings of $393. Meanwhile, the Tesla Model Y saw a much smaller difference, with an average savings of $75 per month.

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    The General

    Leasing is Especially Attractive for EVs

    EVs accounted for 17.3% of all new leases in 2024 and grew 30% compared to 2023. Nearly 45% of new EV transactions were leasing, a continued rise from just about 25% in 2023 and 10% in the third quarter of 2022.

    According to TransUnion, numerous factors contributed to the increased popularity of EV leasing. The days of supply shortages of lithium batteries have passed, and inventory levels have stabilized at dealerships. More lower-priced models and new dealer leasing incentives contributed to this increase.

    Additional incentives, such as tax credits from the Inflation Reduction Act of 2022 granted toward the lease of EVs in January 2023, also helped boost interest. Potential buyers can receive up to $7,500 in tax credits, which can be applied to the purchase of the vehicle for an even larger savings on the vehicle’s overall price. According to Reuters, these credits may disappear in the Trump administration as part of a broader tax reform program, which may put the EV’s popularity in contention.

    Story editing by Carren Jao. Copy editing by Paris Close. Written by Daniel Dennerline. Data Work By Evan Wyloge.

  • Digital Estate Planning to Secure Online Assets

    Digital Estate Planning to Secure Online Assets


    Traditionally, estate planning meant preparing a will and deciding how your physical and financial assets would be distributed among your heirs. But today, when most of our lives are stored online—from photographs and cryptocurrency to email accounts and blogs—digital estate planning is no longer optional; it’s essential. 

    Whether you’re a business owner, content creator, or a regular internet user, your digital footprint likely includes a range of valuable assets. These assets require the same attention and legal clarity as your home, SIPs, or retirement plans. 

    Even a mutual fund investment planner will tell you that securing your digital wealth is just as important as managing your physical portfolio. That’s why creating a comprehensive digital estate planning checklist is crucial in ensuring your digital legacy is protected and easily accessible to your beneficiaries.

    What Is Digital Estate Planning?

    Digital estate planning is the process of organizing and securing your digital assets to ensure they are accessible to the right people and protected from misuse after your death or incapacitation. It involves identifying all your digital properties, assigning beneficiaries, storing credentials safely, and legally authorizing access through estate planning documents.

    It involves:

    • Identifying all your digital properties
    • Assigning beneficiaries
    • Storing credentials securely
    • Legally authorizing access through estate planning documents

    What Qualifies as Digital Assets?

    Unlike tangible assets, digital properties come with their own complexities. Many digital platforms have strict privacy policies and terms of service that restrict access after a user’s death. Without proper authorization or passwords, even your closest family members may not be able to retrieve valuable or sentimental items.

    There are four major barriers to accessing digital assets:

    1. Password Protection – Many accounts are protected by two-factor authentication or encryption.
    2. Data Encryption – Even if files are found, decrypting them without a key is often impossible.
    3. Privacy Laws – Federal laws such as the Stored Communications Act limit access to digital communications.
    4. Terms of Service Agreements – Platforms like Google and Facebook have their own post-death policies.

    A thorough digital estate planning checklist can help overcome these hurdles by granting legal access and simplifying navigation.

    Emotional and Sentimental Value of Digital Assets

    While financial value is a key consideration in estate planning, the emotional weight carried by certain digital assets is equally important. For many, their digital footprint tells the story of their life — from cherished family photos and heartfelt messages to personal journals and milestone achievements.

    Imagine losing access to:

    • A late parent’s voice notes or video messages
    • Thousands of irreplaceable family photographs stored in the cloud
    • Personal blog entries chronicling years of experiences

    These are not just files—they’re memories, legacies, and emotional treasures that form a deep connection between generations. Preserving them through proper planning ensures that your loved ones can revisit those memories, celebrate your life, and carry forward the values and lessons you’ve shared online.

    A digital estate plan allows you to:

    • Safeguard digital memories from accidental deletion or legal inaccessibility
    • Provide your heirs with access to sentimental data that offers closure and connection
    • Specify which digital memories should be shared, archived, or kept private

    In short, digital planning is not just about protection—it’s also about emotional preservation.

    Why Digital Assets Require a Separate Estate Planning Strategy

    Digital assets are harder to access than traditional ones. Here’s why:

    • Password Protection – Strong passwords and 2FA can lock out heirs
    • Data Encryption – Files may be unreadable without decryption keys
    • Privacy Laws – Legal barriers may prevent access to personal communications
    • Terms of Service Agreements – Platforms often prohibit third-party access post-death

    A structured digital estate planning checklist can help overcome these hurdles.

    Components of a Digital Estate Planning Checklist

    Here’s what a strong plan should include:

    1. Inventory of Digital Assets

    Start by listing all digital assets you own, such as:

    • Email and cloud accounts
    • Social media accounts
    • Subscription services
    • Financial apps and digital wallets
    • Cryptocurrencies and NFTs

    2. Store Passwords Securely

    Use trusted password managers and avoid storing passwords in notebooks or unprotected digital files.

    3. Back-Up Critical Files

    Ensure important files are duplicated:

    • Use encrypted external hard drives
    • Create digital backups offline
    • Organize files for easy navigation

    4. Legal Authorization

    Ensure legal documents allow digital access:

    • Include digital access clauses in your will
    • Set up a digital trust if needed
    • Use proper estate planning templates

    5. Appoint a Digital Executor

    Choose someone who:

    • Understands tech
    • Respects your privacy
    • Can follow your digital instructions

    6. Review and Update Regularly

    Just like your SIP investment plan or mutual fund portfolio, update your digital estate plan:

    • Annually
    • After major life changes (marriage, business sale, etc.)
    • When adding new digital assets

    Steps to Get Started with Digital Estate Planning

    If you’re unsure where to begin, here’s a simplified starting point:

    1. Audit Your Digital Life
       List down all accounts, devices, subscriptions, and assets.
    2. Prioritize
       Identify what’s important financially, emotionally, or professionally.
    3. Secure Access
       Use password managers and note device PINs, recovery emails, and 2FA settings.
    4. Assign Responsibility
       Choose a trusted digital executor or nominee and inform them of your plan.
    5. Document & Legalize
       Work with a financial planner and estate attorney to integrate digital clauses into your estate plan.
    6. Store Everything Safely
       Keep your digital estate plan and credentials in a secure, encrypted location.

    By taking these steps, you’ll remove future confusion, legal trouble, and emotional strain for your family tomorrow.

    Role of Financial Professionals in Digital Estate Planning

    You may already work with a retirement planner or wealth manager to secure your future. These professionals can also assist you in understanding the implications of digital wealth, especially in areas like:

    • Tax obligations on monetized digital content.
    • Converting crypto holdings into inheritable assets.
    • Navigating digital rights and royalties.
    • Integrating digital planning into your broader wealth strategy.

    A coordinated approach between your financial consultants, estate attorney, and digital planning tools will offer the most secure outcome.

    The Rising Demand for Digital Estate Planning Services

    Given the complexities and legal uncertainties surrounding digital inheritance, many individuals are now turning to specialized digital estate planning services. These services provide secure vaults to store digital credentials, offer templates for legal documents, and ensure compliance with the latest privacy regulations.

    Some platforms even allow users to assign digital heirs or offer post-death access via pre-scheduled verification systems.

    While these services are growing in popularity, they should complement—not replace—a professionally drafted estate plan.

    Don’t Let Your Digital Legacy Disappear

    Without planning:

    • Important memories (photos, messages) can be lost
    • Crypto or online investments can become unrecoverable
    • Business assets (websites, IP) may go unmanaged

    Proper digital estate planning ensures your online legacy doesn’t disappear with you.

    As your digital footprint grows, so does the need to protect it with the same care and precision as your traditional assets. With a clear digital estate planning checklist, legal backing, and regular updates, you can make sure that your virtual life is passed on just as thoughtfully as your tangible one.

    If you’re looking to take the first step in managing your legacy, Fincart can help. Our holistic financial advisory services don’t just cover traditional investment tools—we’re also equipped to guide you through digital asset planning.

    Secure your digital future today—because your legacy deserves to be complete.

    Tags: financial planner, Financial Planning, investment planner, investment planning



  • adidas holiday gift guide – sales and more!

    adidas holiday gift guide – sales and more!


    adidas holiday gift guide – sales and more!

    December 6, 2023 –

    Happy December, my friends! Dang has time been flying. Ever since opening the Studio, I swear the months are speeding by. 

    adidas holiday gift guide – sales and more!

    As much as I’m a summer girlie, the holiday season is one of my favorite times of the year. If you’re anything like me, I love to give gifts. There’s something about watching someone open something that you put thought and effort into and seeing their reaction.

    In both sides of our families and with my girlfriends we’ve implemented a lot of “secret santa” name picking this year where you choose a name, keep it to yourself, and then when you get together they have to guess who got them their gift.

    It’s always a hot debate on if you should ask everyone to create a “wish-list” for ideas or keep it open ended and see what their secret santa comes up with.

    I personally could go either way so I thought maybe I’d put together a holiday gift guide of items that are ON SALE until 12/9 on adidas website that you could get for your last minute friend or family member! These items would be my wish list…not that I’m throwing out hints or anything (wink), but this is essentially inspired by my current closet.

    You can’t go wrong with a pair of shoes or a beanie. I’m obsessed with beanies and wear them almost everyday in the colder months.

    For the “fanny pack” ladies out there like me this bag is perfect as well as something a bit larger because I carry around an unnecessary amount of things every day.

    My go to look in the winter is a pair of leggings, tank, hoodies, & normally a vest or jacket on top. This is truly my staple outfit each day.

    If you’re having a day where you can’t fathom wearing something tight, I love a jogger or a sweatpant and these ones never disappoint.

    To top the whole outfit off, I leave every morning with my gloves on because as I drive into work, my car isn’t warm enough yet to not wear them, and sometimes I’ll leave them on for my first 2 classes I teach as my body is still acclimating (hence my mention of me being a summer girlie at the beginning).

    Whether you snag these for yourself, your secret santa, or after the sale is over, you can’t go wrong with the staples!

    I hope this was helpful and you enjoy every ounce of the Holiday Season!

    Be true to you,

    Xo Kasey

  • Working From Home

    Working From Home


    Covid 19 has made it a necessity to be able to work from home, and with the increase in online cloud based software it has made it possible to start up your laptop and work from almost anywhere. Even though it can be convenient working from home it comes with a whole new set of challenges.

    Working from home can make it harder to switch off and it’s easy to answer emails after work hours which can create availability expectations.

    Create a space to work in

    This can be a specific room/office or a space that is dedicated only to work. By separating your home and work spaces it can make it easier to switch off at the end of the day. Trying to balance a laptop on your lap while you’re working on a couch is not practical for long periods of time. Keeping your workplace clutter free can help you to concentrate.

    Your hours should stay the same as they would have been in your office. Turn off your email notifications so that you aren’t distracted from the task at hand and check your inbox every couple of hours or between tasks. Answering every email notification instantly will constantly break your concentration and will increase the time taken to complete tasks.

    Set a regular start and finish time for the day and include breaks for lunch and stretching if you’re at a computer all day. Identify the most important tasks that need to be completed for the day and start with those.

    Working from home can mean you could go a whole day or even a week without seeing anyone else. Prioritise your jobs and be realistic about what you can complete each day especially for those also having to home school kids. Ensure you take breaks to re-energise yourself and communicate with others even if it’s online. I regularly email the person I sit next to at work to check in and see how there weekend was just the same as we would chat about it on a Monday Morning.

    The fresh air and natural light are good for you and your body needs movement for your blood to circulate. Take a walk and get away from your desk, it’s important to leave your house even if it’s for short breaks.

    Working from home can improve productivity in some people however it can cause negative practices in others. Remember to practise self care and prioritise mental and physical well being. Work out what best works for you, remember everyone else is also working from home and may have tips or software that will make your job easier. Join some facebook groups and remember to communicate with others.

  • Why the gap in using AI for lawyers?

    Why the gap in using AI for lawyers?


    Artificial intelligence is everywhere these days, affecting the way that industries around the world operate. And the legal field is no different. 

    In fact, AI for lawyers is already impacting how law firms do business. It has reshaped various aspects of legal practice with increased efficiency, improved workflows, and the ability to serve clients better.

    However, despite the increasing opportunities to use AI and leverage the technology’s benefits, the legal field largely remains hesitant about adopting AI tools. In Embroker’s 2024 survey of more than 200 lawyers, we found that 78% of law firms aren’t using AI, with many citing hesitancies like data privacy, misuse or unintended consequences, and security vulnerabilities.

    While AI isn’t guaranteed risk-free, like with any technology, one of the biggest risks for law firms is not adopting AI. Firms that resist adopting AI risk falling behind in the increasingly competitive legal field, potentially losing clients to firms that have embraced AI, while also likely facing increased inefficiencies and difficulty attracting and retaining talent.

    Even judges at a recent American Bar Association (ABA) panel urged lawyers to embrace AI, noting that “it’s a must-do to survive in law.” 

    Why are some law firms hesitant to use AI?

    Concerned looking woman talking to male coworkers

    It’s no secret that though AI has plenty of benefits, it’s not perfect. 

    While many acknowledge that AI is forever changing the legal industry, numerous law firms are still apprehensive about adopting AI. Let’s take a closer look at some of the reasons for law firms’ AI hesitation below.

    Ethical considerations: Bias

    Ethical considerations for lawyers using AI — such as the potential for bias — are commonly cited as an issue fueling lawyers’ AI skepticism. 

    In the survey we mentioned above, Embroker found that 42% of lawyers say legal and ethical issues due to AI misuse or unintended consequences are a reason for their hesitation about AI. And that’s not a misplaced concern. As AI uses data stemming from humans, who may have their own biases, AI tools have an inherent potential to intensify societal biases. 

    The Correctional Offender Management Profiling for Alternative Sanctions (COMPAS), an algorithm some U.S. courts use to assess a defendant’s likelihood of reoffending, has often been highlighted as an example of tech bias in criminal justice. A past study revealed that the software’s algorithm reinforced racist stereotypes, with Black defendants more likely to be misclassified as being at a higher risk for reoffending compared to white defendants. 

    AI biases can also affect hiring practices, resulting in law firms losing out on recruiting new talented individuals, which, given the ongoing talent shortage in the legal industry, could have a significant impact.

    Ethical considerations: Data privacy 

    With a massive amount of sensitive information on every lawyer’s hard drive, data privacy is a fundamental issue for all law firms, regardless of their size and field of practice. So, it’s no surprise that 41% of lawyers surveyed for our Legal Risk Index noted concerns about data privacy as a reason for hesitating to use AI tools. 

    Every lawyer has a duty to protect client confidentiality, so firms must always keep data security top of mind and be cautious about what data they provide to AI platforms. 

    Accuracy of information

    There has been no shortage of news in recent years about lawyers being reprimanded for submitting briefs created by AI that contain fabricated content, also known as hallucinations. AI hallucinations are when AI systems generate false or misleading outputs.

    For example, two lawyers were sanctioned in 2023 by a New York federal judge for submitting a brief written by ChatGPT that included several nonexistent court opinions and fake quotes. In instances like this, the lawyers, not the tool, are to blame for the inaccurate information. 

    It’s important to remember that AI tools can help automate tasks, but they cannot replace human judgment, and any AI-produced results should always be vetted for accuracy. 

    Knowledge gap

    The unknown can be intimidating and confusing, creating a barrier to embrace change. And the legal profession is well-known for being resistant to change, particularly when it comes to technology. 

    Even when acknowledging the benefits of AI for lawyers, many firms lack an understanding of how to integrate these tools properly due to unfamiliarity or skepticism. While most lawyers are using some form of legal tech tools, AI use isn’t quite there yet. 

    Lawyers don’t need to become tech wizards, but being aware of how AI works is crucial for using AI tools responsibly and effectively. By not remedying an AI knowledge gap, law firms could miss out on new opportunities, leaving them at a competitive disadvantage. 

    Cybersecurity

    This one won’t come as a surprise. Cybercriminals are drawn to a law firm’s data like ants to a picnic. Any business is at risk of a cyberattack, but cybercriminals target law firms in particular for their large cache of confidential data. (This is also why cyber insurance is vital for law firms.) What’s more, while industries worldwide are reaping the benefits of AI, so too are malicious actors like hackers. Cybercriminals have jumped on the AI train to deploy more sophisticated and tailored phishing attacks, which has made some wary of the technology.  

    How AI can benefit law firms

    Man sitting at a desk in front of a window

    As with anything, there are pros and cons associated with AI use. As already noted, law firms must consider ethical issues when using AI. Given the well-documented hallucinations that AI can produce and the fact that tools like ChatGPT don’t provide information sources, some lawyers may find it a burden to review and appropriately cite the material produced by AI.

    That said, AI’s benefits far outweigh its downfalls. It all comes down to a bit of responsible oversight.

    Some of the key benefits that AI can offer law firms include:

    Increased efficiency

    Freeing up time is hands down, without question, the top advantage that AI tools offer law firms. Automating repetitive and time-consuming but essential tasks is a significant perk for law firms, as AI systems can quickly scour through tons of data to provide research, analysis, or summarization, or even draft standard contracts. 

    A prime example of AI’s time-saving advantages is an in-house AI program that JP Morgan Chase introduced a few years ago. The program, known as COIN, completed in just a few seconds what previously took lawyers and loan officers 360,000 hours of work each year.  

    With more time freed up thanks to AI tools, lawyers can focus on higher-value work like client needs, more complex litigation analysis, and growing their practice. In short, time savings from AI mean increased efficiency and productivity for lawyers.

    Cost savings and improving access to justice 

    One notable advantage of AI helping to save time with legal work is reducing costs for clients. If a task typically takes 40 hours to complete manually and can be done in three hours with AI, that time difference can translate into cost savings for clients. As a result, that has the potential to help reduce barriers to justice for those with limited financial resources. 

    It’s also worth noting that since AI’s potential to streamline various tasks, including casework, is so well-documented, many clients are beginning to push back against traditional billing practices and expect law firms to pass along cost savings gained through increased efficiency with AI tools.

    Higher-quality work

    Even the most diligent lawyers make mistakes from time to time. Though AI is certainly not error-proof, it can significantly help improve the quality of documents produced by law firms. In fact, a new study by researchers at the University of Minnesota and the University of Michigan found that AI tools can improve a legal professional’s quality of work by upwards of 28%.

    AI-powered document comparison tools can help ensure consistency of language and terminology (which is particularly helpful if many people have been involved in drafting and editing a document), verify that documents follow in-house style guides, and identify missing clauses or undefined terms. 

    Client relationships 

    Two men having a discussion over coffee

    Time and cost savings are just the tip of the iceberg in terms of how AI tools can augment lawyers’ relationships with their clients. 

    Leveraging legal AI systems to analyze past interactions with clients, their opinions, and their behavior means that law firms can provide clients with a more personalized and positive experience. That, in turn, can be a significant competitive advantage and help a firm grow its client base. AI-powered tools can also provide insights into potential case outcomes, assisting lawyers with setting realistic goals and objectives with their clients.

    Reduced stress and burnout 

    As we have already touched on, there is no shortage of time-consuming and monotonous tasks in the legal field. But this work, though perhaps sometimes dull, is instrumental to fair and proper legal representation. 

    Having AI systems complete at least some of the repetitive tasks that lawyers perform daily can help reduce stress and potential burnout, which is unfortunately common in the legal industry. Plus, creating a more positive working environment can help your law firm recruit talented individuals and avoid potential workplace-related lawsuits.

    Avoiding malpractice claims

    Sounds crazy, right? But what if we told you that some experts think it’s possible that in the future a law firm could face a legal malpractice claim for not using AI for lawyers? After all, Comment 8 of the ABA’s Model Rule 1.1 notes that “a lawyer should keep abreast of changes in the law and its practice, including the benefits and risks associated with relevant technology.” 

    That underscores what we mentioned earlier: Not implementing AI tools could be risky for law firms.

    Practical uses for AI at law firms 

    Now that we’ve highlighted the benefits of AI for lawyers, you might be wondering the ways your firm can use it. Because who doesn’t like the idea of improving productivity, reducing administrative burdens, and delivering better service to clients?

    The following are a few of the ways that law firms can use AI:

    1. Research

    Research is integral to legal work, but finding the right information to support a particular case can take a lot of time. Fortunately, AI makes research more efficient and faster. Legal AI tools enable lawyers to quickly search databases for pertinent statutes, regulations, case laws, and more. 

    As noted earlier, generative AI has become notorious for creating hallucinations. That’s why platforms designed specifically for use by legal professionals are the safest bet, as they use reliable and verifiable legal data sources. 

    2. E-discovery

    A common way that AI is used in law is with e-discovery, the process of scanning electronic information to find evidence that could be used in a legal proceeding.

    With e-discovery platforms, lawyers can scan records using specific search terms or parameters, significantly reducing the time it would take to manually sort through a plethora of documents. 

    3. Document automation

    Every law firm knows how vital contracts and other agreements are. But they can also take a lot of time to draft. Fortunately, AI tools for document automation enable lawyers to create contracts and other legal documents based on pre-set templates and parameters. 

    AI software can quickly scan contracts and other legal documents to identify missing clauses or outdated language, streamlining the document review process and reducing the risk of human error. But that doesn’t guarantee a document will be completely free of errors, so always take care to review documents before the final sign-off.

    4. Due diligence 

    As part of the due diligence process, especially when dealing with mergers and acquisitions, lawyers have to review a massive amount of data, often with strict deadlines. 

    AI-powered due diligence solutions add efficiency to the process of detecting potential legal liabilities, compliance issues, intellectual property concerns, and inconsistencies with financial information — all of which can be extremely time-consuming when done manually. Once again, it’s important to remember that AI tools can help automate tasks but cannot replace human judgment.

    5. Predictive analytics

    What if you could accurately “forecast” a case outcome? With AI, it’s possible. Predictive analytics enable lawyers to gain more insight into potential outcomes based on past rulings, judicial decisions, and even jury behavior, enabling law firms to create stronger litigation strategies based on proven and historical data.

    How to introduce AI at your law firm

    Proactive planning is the key to successfully introducing AI tools at your law firm. Start by assessing your firm’s needs and identify where AI can provide the most benefit. It’s also necessary to evaluate AI tools carefully to determine that they meet data security and compliance requirements. Because you don’t want your clients’ confidential information to end up in the hands of a third party, always read terms and conditions before implementing any AI software.

    It’s also critical to introduce AI gradually. Rather than rushing to introduce as many AI tools as possible all at once, having a strategic and methodical approach to implementing AI will lead to a smoother onboarding and less potential for disruption. Establishing clear guidelines and protocols for AI use, particularly with data privacy and ethics, is crucial to mitigate risks.

    And finally, don’t forget about training, which will help demystify AI and ensure that everyone at the firm is using it as they should.

    Unlocking new opportunities with AI for lawyers

    While it’s understandable that many law firms have been apprehensive about AI, there’s no denying that AI tools are forever changing the legal field. 

    What’s more, though there has long been some trepidation that AI will replace lawyers, the more accurate assessment is that lawyers using AI will replace those who don’t use it. Rather than eliminating jobs in the legal sector, AI can transform (and improve) how lawyers work by enhancing both efficiency and client service. 

    By overcoming initial hesitations, law firms can unlock new opportunities and set themselves up for long-term success in an increasingly digital world. 

    For more insights from our law survey, be sure to check out Embroker’s 2024 Legal Risk Index Report.

  • No Claim Bonus in Health Insurance: Don’t Rely on It!

    No Claim Bonus in Health Insurance: Don’t Rely on It!


    Understand what No Claim Bonus in Health Insurance really means, its risks, and why you shouldn’t rely on it as permanent coverage. Simple guide with examples.

    When we talk about health insurance, most of us focus on things like premium, network hospitals, or claim settlement ratio. But one term that often excites policyholders is No Claim Bonus (NCB). Many people see NCB as a “reward” for staying healthy and not using their policy in a year.

    But there’s a common misunderstanding here – many assume that this bonus becomes a permanent part of their coverage, and that can lead to serious issues later. In this post, let’s dive deep into what NCB really means, why it should not be treated as guaranteed coverage, and how to plan your health insurance accordingly.

    No Claim Bonus in Health Insurance: Don’t Rely on It!

    No Claim Bonus in Health Insurance

    What is No Claim Bonus (NCB) in Health Insurance?

    No Claim Bonus is a benefit given by insurance companies if you don’t make a claim in a policy year. Instead of giving you cashback or discounts, insurers usually reward you by increasing your sum insured without increasing your premium.

    Two common types of NCB:

    1. Cumulative Bonus
      • Your base sum insured increases by a fixed percentage (like 10% or 20%) every claim-free year.
      • Usually capped (e.g., up to 50% or 100% of base sum insured).
    2. Discount on Renewal Premium
      • Instead of increasing the coverage, some policies reduce your premium for the next year.

    In India, cumulative bonus is more commonly used in retail health insurance. For instance:

    If you have a Rs.5 lakh health cover and get a 20% NCB every year, after 3 claim-free years, your total coverage becomes Rs.8 lakhs (Rs.5 lakhs base + Rs.3 lakhs NCB).

    The Common Misconception: Treating NCB as Guaranteed Coverage

    Many policyholders think the NCB addition is just like the base sum insured — fixed and permanent. But that’s not true.

    NCB is conditional. It stays only as long as you don’t make a claim.

    Once you file a claim, the NCB reduces or vanishes depending on the policy terms.

    Example:

    Let’s say:

    • Base Sum Insured: Rs.5 Lakhs
    • NCB Accrued over 2 years: Rs.2 Lakhs
    • Total Cover: Rs.7 Lakhs

    Now, if you claim Rs.1 lakh in the current year, your NCB may reduce or reset. So, next year your cover may drop to just Rs.5 or Rs.6 lakhs — not the Rs.7 lakhs you thought you had.

    This is where the real problem begins — people assume they’ll always have Rs.7 lakhs and don’t upgrade their base cover. When a big medical emergency strikes, they face underinsurance.

    No Claim Bonus is a floating benefit. It is not guaranteed. If you rely on the NCB to plan your medical expenses or choose a smaller base sum insured thinking NCB will cover you, you’re exposing yourself to unnecessary financial risk.

    Even the Insurance Regulatory and Development Authority of India (IRDAI) clearly mentions in its consumer education materials that:

    “Cumulative Bonus is a reward and may reduce in case of claim.”

    Why You Shouldn’t Depend on NCB for Long-Term Health Planning

    Let’s understand this with a simple real-life situation:

    Case Study:

    Mr. Rajesh, 40 years old, took a health insurance plan with Rs.5 lakh sum insured and a 20% NCB clause. After 3 claim-free years, his coverage reached Rs.8 lakhs. He felt confident that Rs.8 lakhs was good enough.

    In the 4th year, he was hospitalized for an emergency surgery costing Rs.6.5 lakhs. The insurer paid the entire claim from his policy (base + NCB).

    But next year, his bonus reset. His policy cover dropped to Rs.5 lakhs again.

    Now imagine if he needed a second surgery or a follow-up procedure in the same year or next year? He’d be short of funds.

    He now had to either pay from his pocket or rush to buy a top-up cover (which could be costlier due to age and claim history).

    Problems That Arise When You Rely Too Much on NCB

    1. False Sense of Security

    You may feel your policy is sufficient when NCB is at its peak. But NCB is not a guaranteed benefit. One claim can pull it back to zero.

    2. Delayed Upgrade Decisions

    People avoid increasing their base sum insured because NCB makes it look like their cover is growing. But this is temporary. It delays your decision to buy top-ups or add-on covers, which can prove costly later.

    3. Reduced Coverage When You Need It Most

    Medical conditions often strike in patterns — first a major event, then follow-ups, complications, rehab, etc. If your NCB gets consumed in the first round, you may not have enough for the next.

    4. Avoiding Claims Just to Retain NCB

    Some people hesitate to file even small claims, fearing NCB loss. But insurance is meant to reduce your out-of-pocket burden. Delaying treatment or paying unnecessarily just to retain bonus is a poor strategy.

    What Should You Do Instead?

    Here’s a more balanced approach:

    1. Base Your Planning on Base Sum Insured

    Always evaluate your health insurance adequacy based on the base sum insured, not with NCB additions. If your base sum insured is ?5 lakhs, plan as if that’s your actual protection — NCB is a bonus, not a shield.

    2. Consider Super Top-Up Plans

    Buy a super top-up health policy with a high deductible (say Rs.5 lakhs) and an additional cover of Rs.10–25 lakhs. These are affordable and offer better protection than relying on unpredictable NCB.

    3. Use Riders Like NCB Protection (If Needed)

    Some insurers offer riders that protect your NCB even if you make a claim (up to a limit). Evaluate them carefully — they come at a cost but can help if you want to maintain your coverage buffer.

    4. Don’t Hesitate to Use Your Insurance

    If there’s a legitimate need to claim, go ahead. NCB is just an add-on — your health and finances are more important than preserving a bonus.

    Final Thoughts: NCB is a Reward, Not a Guarantee

    No Claim Bonus is an attractive feature, but it should not distort your understanding of your actual insurance coverage. It is temporary, conditional, and revocable.

    Make sure you buy health insurance with a sufficient base sum insured, and use NCB only as a bonus. Never build your healthcare plan around a benefit that disappears the moment you actually need your insurance.

    Remember, health insurance is not just about saving money when you’re healthy — it’s about protecting your wealth when you’re not.

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