Author: blogs2025

  • How to Use Fitness Trackers without Losing Touch with Yourself

    How to Use Fitness Trackers without Losing Touch with Yourself


    While our ancestors relied on their senses to assess how they were doing, increasingly, we rely on gadgets.

    Today, if you’re curious enough, you can measure your heart rate, your step count, your exercise intensity, and your sleep quality—sometimes all on one sleek device.

    In the best cases, these devices offer a bridge between what you subjectively feel and what you can objectively measure.

    This is generally a really cool and amazing thing.

    Our subjective feelings and assessments matter, but they’re not always the most reliable. Us humans just aren’t particularly skilled at quantifying our experiences and behaviors with cold precision.

    Take, for example, a colleague of mine. He believed he was eating within a narrow caloric window, but after careful tracking, he learned that he was putting away a bonus 500 Calories a day—in barbecue sauce.

    That said, some of us are better than others.

    Ben Johnson, the Canadian sprinter, was reported to have been able to call out his 100 metre time within a tenth of a second of the stopwatch readout.1

    That’s outlier performance, to be clear, but it still makes you wonder:

    How good are you at assessing yourself?

    And, how can you improve your accuracy through the wise use of technology—like fitness trackers—to help you make better decisions about your health?

    In the following article, we’ll tackle the above, plus we’ll address:

    • How accurate are data trackers in the first place?
    • When is tracking helpful? (And when is it not?)
    • Can you train yourself to more accurately assess things by feel?

    Let’s get into it.

    First, how accurate are data trackers anyway?

    Not all data is created equal.

    Some brands produce better products than others. This is not just hardware but also the quality of their software and datasets.

    Beyond that, not all things are equally easy to quantity.

    For example, heart rate and step-count data are generally reliable,2 but many other types of outputs—from calories burned to movement velocity—have substantial margins for error.

    The below chart shows the reliability of various tracking devices.An infographic chart titled 'Tracking Devices and the Health Metrics They Can Assess' comparing different devices (Pedometers, Activity Bands, Smartwatches, Chest Straps, Ring Trackers, Smartphone Apps, Medical Wearables, and Strength Wearables) against various metrics (Steps, Heart Rate, Recovery, Calories, Sleep Duration, Sleep Quality, Speed, and Power). The accuracy is indicated by green checkmarks (very accurate), yellow dots (decent accuracy), and red X's (limited or not available).

    (If you’re curious, we cover the accuracy of various progress indicators in more detail here: Are Fitness Trackers Worth It?)

    Next, when is tracking actually helpful?

    The good: Tracking devices offer us more data about our behaviors and bodies than ever before.

    The bad: Tracking devices offer us more data about our behaviors and bodies than ever before.

    “What’s really remarkable,” says Samantha Kleinberg, a computer scientist who studies decision-making, “is that even a tiny amount of surplus information has a big negative effect on our decision-making.”3

    That’s the paradox of tracking: Too little detail makes it tough to make the right decision, but so does too much. A graph showing 'The Effect of Information on Decision Making' with an inverted U-shaped curve. The x-axis shows 'Amount of relevant information available' and the y-axis shows 'Ability to make decisions'. The peak of the curve is labeled 'Sweet spot', suggesting an optimal amount of information for decision-making, with performance declining when there's either too little or too much information.

    This can be expressed as an inverted U, with the sweet spot at the top of the curve.

    Today, it’s surprisingly easy to have too much information.

    Consider the analysis paralysis you feel after scanning hundreds of reviews from the various taco places in your neighborhood. (All you wanted was a decent el pastor, but now you don’t know which taqueria to pick!)

    Finding just enough information to make good decisions is an art form—especially in the world of health and fitness, where it seems like everyone is trying to outdo each other when it comes to providing more science, more customization, and more complexity.

    But when all that information starts to blur together with no clear path forward, what should you do?

    For starters, you can ask yourself a simple question:

    Does tracking increase my wellbeing and performance?

    If the answer is a clear yes or no, you know what to do. (Either continue tracking as you were, or drop the gadget and walk away.)

    If you’re a little fuzzy, here are three signs to watch for to help you determine if tracking is helpful—or not.

    Sign #1: Tracking is decreasing your stress and validating your method(s).

    When Zak’s coach raved about the benefits of zone 2 cardio, it sounded logical. But when the rubber on his running shoes hit the road, Zak second-guessed everything. Zak prided himself on his ability to grind, and simply didn’t trust that something that felt easy could also be effective.

    Yet, the data didn’t lie. As the weeks went by, Zak watched his resting heart rate drop—along with his recovery time from hard runs. With that reassurance, Zak began to relax about the process—and his resting heart rate dropped further.

    Zak hadn’t trusted his feelings, but he did trust the data from his heart rate monitor.

    Using a tracking device enabled Zak to calibrate his own perceptions so they were more accurate and realistic.

    If you’re a coach who has a client like Zak who’s high performing but doesn’t know it, tracking can help build confidence and reduce the anxiety that they’re “not good enough.”

    Here, you empower them by shining a spotlight on existing performance. Expert assurance can go a long way but can also be bolstered by reliable data.

    (Recently, many people have begun using continuous glucose monitors, or CGMs, in order to “optimize” their blood sugar levels. This can help “validate” certain food choices… but it can also be a waste of time. Read more: Should people without diabetes use CGMs?)

    Bad omen: Tracking is increasing stress or negatively affecting performance.

    Sometimes, data can stress you out without any upside—like when you receive poor scores about things beyond your control.

    Take the new parent of a newborn who gets a poor sleep quality score.

    Tracking has a time and a place. When scores are beyond your control or your priorities lie elsewhere, tracking can create unnecessary stress and is counterproductive.

    You can always revisit tracking when circumstances or priorities change.

    Sign #2: Clear feedback from data is enhancing your motivation and ability.

    For a behaviour to take place, you need three things4:

    • Motivation: A compelling reason or desire to take action toward achieving something. This can come from external sources (your spouse is urging you to quit smoking) or internal drives (you’ve always dreamed of running a marathon).
    • Ability: You have a combination of skills, plus opportunities to express them. (For example, you know how to do a simple resistance training routine, and you have 20 minutes a day to execute it.) This may involve overcoming constraints like time, money, mental and/or physical effort, social pressures, and changes to routine.5
    • Prompt: A prompt is a cue or instruction that elicits an action. (For example, when your GPS tells you to turn left, or when your restless legs “remind” you you’re due for a walk.) Critically, even with high levels of motivation and ability, you may not take action—or the right kind of action—without a prompt.

    Fitness trackers shine when you’ve got plenty of motivation and ability—and just lack the prompt.

    Take my client, Margaret. She used to have a glass of wine most nights, believing it helped her sleep better. Once she started wearing a sleep tracker though, she saw that her sleep quality was much poorer the nights she imbibed. Once she received this prompt—her sleep score—she adjusted her behavior.

    When you highlight important data, the right choices become clearer.

    When it comes to changing behaviours, sometimes all it takes is one key piece of data. As they say, “Once you see it, you can’t un-see it.”

    (PN’s CEO Tim Jones used the feedback he got from various lifestyle trackers to finally reduce his genetically high cholesterol levels—and built a richer, more meaningful life in the process. Read more: How This Guy Cut His Cholesterol in Half Without Drugs)

    Bad omen: Data collection is decreasing motivation or ability.

    When Jan, an avid recreational cyclist, found out he could view—then demolish—the records set on local biking trails, he set to work. But as those records were destroyed, so too was his ability to ride for enjoyment. His focus on speed left him under-recovered and eventually led to burnout.

    If workouts have become more about the numbers and less about technique, experience, or even enjoyment, tracking is likely no longer helpful.

    Sign #3: Tracking is helping you understand yourself better.

    The harder you work, the better your results.

    Right?

    Not necessarily.

    This belief tends to get grinders like Zak into trouble because they think they’re making progress—but really they’re just getting in their own way, even inhibiting performance and recovery.

    Meanwhile, there are also many people who chronically underestimate their effort and capacity, and would benefit from turning up the heat. Here, data can help us more accurately understand our own potential.

    Let’s look at high-intensity interval training (HIIT) as an example. HIIT workouts alternate fixed periods of intense effort with fixed periods of rest. However, these fixed periods of rest are just estimates of recovery times.

    Heart rate data can create a more individualized picture of actual recovery needs, which may be faster or slower than you expect.

    Sometimes, the mind says yes but the heart says not quite yet.

    A good coach does more than just simply ask for more. They also help keep clients out of the unproductive “junk volume” zone, where fatigue accumulates but performance doesn’t improve (and maybe even worsens).

    By looking at real-time metrics of output, fatigue, and recovery, you can better understand yourself and your clients, and help keep everyone training and recovering efficiently.

    Bad omen: Over-reliance on data is making you lose touch with your own senses.

    When you become overly reliant on data, you risk losing touch with your own sense of how you feel, whether that’s hunger and fullness levels, energy and fatigue, or something else.

    A relevant example is “The Great My Fitness Pal Blackout.”

    In January of 2019, the calorie-tracking app (with a reported 200 million subscribers!) went down for a day. Pretty minor—unless you happened to be tracking your macro and caloric intake and waiting for the app to tell you exactly how much you could eat that day… which I was.

    When the app wouldn’t load, I recognized the mild panic I felt was unhelpful. My overreliance on the app had disconnected me from my own internal signals, and without it, I felt adrift. Since then, I’ve shifted my focus to how energetic I feel and one of the oldest tracking technologies available: the mirror.

    (If you feel like you’re lost without your besties—your phone and your apps—there’s a name for that. There are also ways to develop a healthier relationship with your tech. Read more: What is nomophobia?)

    3 ways to use fitness trackers to help you make more accurate self-assessments

    Before we get to how to do the above, let’s talk about why assessing things by feel can be so important.

    Whether it’s body fat percentage or movement speed, even supremely motivated and capable clients will experience diminishing objective results from their training.

    The scale stops dropping, the number of plates you’re able to load on the bar plateaus, or—gasp—your race time even regresses.

    Motivation based purely on progress or other extrinsic goals6 will fall away during these times.

    However, exercisers who focus on feelings of mindfulness7, mastery, meaning8, and success9 develop a more resilient practice. They also enjoy the process more, whether that’s the process of running, lifting, winding down for a good night’s sleep, or just enjoying a meal.

    So, although objective data can provide essential feedback and guidance, you’ll only reap the full benefits of your practice—that is, enjoyment and results—if you maintain connection with your felt experience.

    And good news: You can actually use fitness trackers to calibrate and even improve your ability to accurately sense what’s happening in your body.

    Here are three ways to do it.

    1. Check in with yourself before you check the data.

    Can you imagine asking someone how their vacation was and then waiting for them to look at their photos to be able to answer? That’s what it’s like when you rely purely on external data about your own experience.

    Whatever the metric—how far you biked, how many calories you consumed, or how fast your heart was beating—the simplest way to work mindfully with tracker data is to pause, breathe, and then tune into the powerful (if not always accurate) prediction-making powers of your brain.

    Once you’ve checked in with yourself, you can calibrate your self-assessment by comparing the detailed (if not always accurate) outputs of your fitness tracker.

    Over time, you may be able to narrow the gap between two.

    (Note: Don’t forget to regularly update your app. Algorithms and data sets are regularly adjusted for better predictive accuracy.)

    2. Develop mental shortcuts that can occasionally stand in for objective measures.

    The coaches I work with regularly ask people to estimate the boundaries of their strength (such as how many reps they can do at a given weight until failure).

    Novices are often terrible at estimating this—and regularly off the mark by five or more reps. However, the use of objective trackers can help calibrate their understanding, and most people can reduce their margin of error dramatically.

    In theory, you might use fancy tools like accelerometers or blood lactate measurements, but our coaches just ask, “For a million dollars a rep, how many more reps do you think you could do?”

    Though there’s nothing objective about this question, most clients are able to use the prompt as a kind of shortcut to understand maximal effort. (After all, that last rep may be worth seven figures!)

    The question also leverages the rate of perceived exertion (RPE)—your perception of how hard you’re working—which is one of the most validated sensory-driven approaches.

    Not everyone is automatically good at estimating RPE, but most people can improve their skills by mapping their felt experience with occasional calibration with objective data.

    3. Keep developing your ability to dial into your senses.

    Trackers have components like accelerometers, GPS, and gyroscopes to sense data about speed, distance, and more.

    But humans are no slouches either.

    We have…

    • Mechanoreceptors that respond to pressure, vibration, and the joint angles change
    • A vestibular system that monitors balance and angle changes
    • Proprioceptors that clock the speed and rate of length-change of muscle spindles
    • Thermoreceptors that register register warming or cooling
    • Chemoreceptors that detect chemical changes, such as scent or taste, as well as changes in the bloodstream
    • Nociceptors—part of the body’s alarm system—that sense threat and send signals of potential harm or distress

    And that’s only a partial list.

    You have access to an incredibly rich network of sensory information—something that technology cannot begin to touch.

    All of this information is fed into the powerful pattern-recognition machine of your nervous system.

    To continue honing your ability to use this rich network of sensory information, regularly check in with what and how you’re feeling.

    When you learn to calibrate your own senses with objective data, you can leverage all the cool advances in wearable tech—while still keeping your own experience front and centre.

    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.)

  • Bangko Sentral ng Pilipinas orders stricter client due diligence

    Bangko Sentral ng Pilipinas orders stricter client due diligence


    Bangko Sentral ng Pilipinas orders stricter client due diligence

    INQUIRER FILE PHOTO / GRIG C. MONTEGRANDE

    The Bangko Sentral ng Pilipinas (BSP) wants banks and financial companies to incorporate news reports about individuals and entities with possible money laundering offenses in their screening of transactions and activities, in a bid to prevent any illicit flow of funds.

    Memorandum No. M-2025-017 dated May 27, reminded banks and nonbanks to adopt policies and procedures in handling such news reports, which can be used to enhance customer due diligence.

    Article continues after this advertisement

    The central bank issued the reminder amid an ongoing probe into the laundering of ransom money in the kidnapping of slain Chinese Filipino businessman Anson Tan, also known as Anson Que. The bad actors reportedly utilized e-wallets intended exclusively for casino gaming, shell accounts and cryptocurrency to conceal the money trail.

    READ: Inept Anti-Money Laundering Council

    The Bangko Sentral explained that news articles about possible money laundering and terrorist financing may trigger a deeper review of transactions and activities of certain customers and entities.

    Bangko Sentral directives

    That said, the central bank is compelling financial firms to update their risk management practices so they can immediately spot any new and emerging threats to their products and services. Such operational risks include developments related to money laundering and terrorism financing carried in news reports.

    According to the memo, banks and nonbanks under its supervision, like e-wallets, must monitor all relevant risk factors, including—but not limited to—institutional level of exposures to people and entities reported to have potential links to illegal activities.

    Article continues after this advertisement

    READ: AMLC launches probe into laundering of Anson Que ransom

    At the same time, the BSP said financial companies must keep an updated list of sources of negative reports, such as news articles, public registers, court and congressional records, among others. Banks and nonbanks must also maintain a database of individuals and companies that were the subject of negative media reports.

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    Those reports are to be included in the screening of a customer’s transaction activities. To ensure a holistic investigation, the BSP said the screening must extend to ultimate beneficial owners and authorized signatories of juridical customers, as well as related parties.

    Ultimately, the central bank said regulated entities would have to identify the action that may be triggered by the results of the investigation. These actions may include flagging the customer’s account for ongoing monitoring and periodic due diligence.



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    “It is essential for [banks and nonbanks] to promptly escalate and report significant risks based on the results of [negative media report] screening activity,” the memo read.



  • 2025 insurance buying guide: April 2025 newsletter

    2025 insurance buying guide: April 2025 newsletter


    Business insurance buyer’s guide: What and how

    In light of, well, literally everything, businesses of all sizes are reassessing their risk management strategies and insurance coverage before their renewal date.

    Finding the right insurance for your business can be a complex process, requiring careful consideration of your specific risks, industry requirements, and budget constraints. The decisions you make during this process can significantly impact your company’s financial security and operational resilience.

    In this month’s newsletter, we’ll walk you through the essential steps of shopping for and purchasing business insurance. From identifying your unique risk profile to finalizing and implementing your policy, our goal is to demystify the insurance buying journey. We’ll also share industry insights on emerging trends that are reshaping how businesses approach insurance in 2025.

    In a marketplace filled with options and complex terminology, having a structured approach to insurance purchasing can save you time, money, and pitfalls from potential coverage gaps. This month, we’ll dive into making your insurance buying experience more strategic and effective.

    Let’s get into it.

    • What’s going on?
    • Building your coverage strategy
    • From selection to implementation
    • The future of insurance purchasing
    • What’s new from Embroker

    What’s going on?

    81% of startups have experienced a cyberattack Embroker

    According to Embroker’s 2024 Cyber Risk Index Report, 81% of startups surveyed have experienced a cyberattack in the past year, up from 78% in 2023, and 67% in 2022. This trend underscores the growing threat, and the need for businesses to invest in robust cyber risk management and insurance policies.

    Underinsurance crisis costs businesses millions in claims — Insurance Business Magazine

    Chris Davis at Insurance Business Magazine interviewed Ana Mello, commercial account manager at Summit Commercial Solutions, on the growing concern of “underinsurance.” They note that while coverage limits aren’t keeping up with inflation, premiums are. This highlights a critical disconnect that businesses must address to avoid significant financial exposure.

    Tariffs and global trade: the economic impact on businesses — McKinsey & Company

    Businesses are facing a period of economic uncertainty as new tariffs and trade restrictions reshape global commerce. Forward-thinking business leaders can weather the storm — and even flourish — by focusing on key strategies for success.

    The insurance shopping process: Building your coverage strategy

    GIF of Will Ferrell impersonating George W. Bush and saying "Stategery"

    Finding the right insurance coverage requires a methodical approach to identifying your risks and understanding what the market offers to address them.

    Key points:

    • The average business needs 2-5 different insurance policies to be adequately protected.
    • Many small businesses report being underinsured, according to Insurance Business Magazine.
    • Taking time to properly assess risks before shopping can help reduce premium costs.

    Step-by-step shopping guide:

    1. Risk assessment

    • Conduct a comprehensive analysis of your business operations to identify potential risks.
    • Categorize risks by severity and likelihood to prioritize coverage needs.
    • Consider industry-specific exposures that require specialized coverage.

    2. Coverage research

    • Identify which insurance types address your specific risk categories.
    • Research industry benchmarks for coverage limits in your field.
    • Review regulatory requirements that may mandate specific coverage types.

    3. Market exploration

    • Investigate carriers with expertise in your industry.
    • Determine whether a broker, direct carrier, or digital platform best suits your needs.
    • Gather preliminary quotes to establish a budget baseline.

    4. Policy comparison

    • Create a standardized checklist to compare offerings across providers.
    • Focus on coverage limits, exclusions, and endorsement options rather than just premiums.
    • Evaluate carrier financial strength ratings and claims satisfaction scores.

    Insurance consideration: When shopping for coverage, consider the total cost of risk rather than just the premium. A slightly higher premium that provides significantly broader coverage or lower deductibles may represent a better value for your business in the long run.

    The insurance buying process: From selection to implementation

    Gif of sports announcer that reads: They're talking trade possibilities here, guys"

    Once you’ve completed your shopping research, the process shifts to finalizing and implementing your selected coverage.

    Current situation:

    • Digital transformation has streamlined the insurance buying process, with the vast majority of commercial policies now available through online platforms.
    • Verifying coverage limits and terms has become increasingly important, with many businesses citing discrepancies between expected and actual coverage.
    • Proper implementation of risk management recommendations can significantly reduce premiums at renewal.

    Step-by-step buying guide:

    1. Final selection

    • Request formal proposals from your top insurance options.
    • Clarify any ambiguous policy language or coverage questions.
    • Negotiate terms, including premium payment schedules and multi-policy discounts.

    2. Application process

    • Gather all required documentation, including financial statements and loss history, as well as past claims.
    • Complete applications with thorough and accurate information to avoid future coverage issues.
    • Prepare for potential underwriting questions or inspections.

    3. Policy review

    • Carefully review all policy documents upon receipt.
    • Verify that all negotiated terms are correctly reflected in the policy.
    • Create a summary of key coverage provisions, exclusions, and claim reporting requirements.

    4. Implementation

    • Distribute relevant policy information to key stakeholders in your organization.
    • Set up calendar reminders for premium payments and policy renewal dates.
    • Implement any required risk management measures specified by the insurer.

    Risk management tip: Create a centralized digital repository for all insurance documentation, including policies, endorsements, certificates, and correspondence. This ensures easy access during a claim situation when time is of the essence.

    The future of insurance purchasing: Digital transformation

    Gif of a little kid in a Transformer costume turning into a Transformer

    The insurance buying journey is evolving rapidly with technological advancements reshaping the customer experience.

    Notable aspects:

    • AI-powered risk assessment tools are reducing the time needed to identify coverage needs.
    • Blockchain technology is beginning to streamline policy verification and claims processes.
    • Usage-based insurance models are gaining traction, allowing businesses to pay premiums based on actual exposure.

    Business insight: While technology continues to transform the insurance buying process, the fundamental principle remains unchanged: A thorough understanding of your risks and careful matching with appropriate coverage options is the path to success. Digital tools should enhance, not replace, thoughtful risk management planning.

    What’s new from Embroker?

    Upcoming events, stories, and more

    Embroker COO Kristy Malm shines on Change Management panel

    Last week, Embroker COO Kristy Malm participated in the Change Management panel at Resource Pro’s Summit 2025 Conference. Kristy shared Embroker’s approach to maintaining employee engagement during transformation, and more.

    Embroker CTO Gene Linetsky talks tech leadership at Revelo Conference

    On April 16, Embroker CTO Gene Linetsky spoke on the “Engineering Leadership at the AI Frontier” panel at Revelo’s Conference in San Francisco. On the panel, Gene spoke to the challenges and opportunities AI offers engineering teams and their leaders, and the types of skills required in this evolving field.

    Data privacy risks in the age of AI: What tech companies need to know

    Is AI making data privacy worse? Discover AI data privacy risks facing tech companies — data breaches, bias, compliance challenges, and more — plus, how to mitigate them effectively.

    Like what you’re reading?

    Check out the Embroker Resource Center for more

  • Best Personal Loan – GrowthRapidly



    March 15, 2024
    Posted By: growth-rapidly
    Tag:
    Uncategorized

    Upstart personal loans are great for people who have fair or limited credit. Upstart relies on more than 1,500 variables as part of its underwriting process, and much of the data is highly correlated. This process is different from traditional lending models, which use simple FICO-based models to provide a snapshot of an individual’s credit and are quite limited in their ability to assess the true lending risk of each consumer. APPLY FOR UPSTART NOW.

    SEE BEST BANK OFFERS

    Upstart Overview

    Upstart was founded in 2012 in San Mateo, California, and has helped over 2.7 million customers with their lending needs through personal loans, consolidation loans and car loan refinance. It uses an AI-based lending model to improve access to affordable credit for consumers with lower credit scores due to challenges or limited credit profiles. Overall, 84% of Upstart’s loans are fully automated with no human interaction — from origination to final funding.

    Key Features 

    Here’s what you need to know about the key features of Upstart loans.

    Rates

    Upstart claims it offers up to 43% lower rates than lenders using a credit score-only model to make lending decisions. Rates offered range from 4.6% to 35.99% APR. Although the starting rate is more competitive than many other lenders offering personal loans, the 35.99% APR is much higher. However, if you have challenged or limited credit and need a personal loan, Upstart might be able to approve you when other lenders won’t. Just keep in mind that your rate could be quite high. Upstart allows you to check your potential rate before applying. APPLY FOR UPSTART NOW.

    Loan Amount

    Upstart issues personal loans in amounts from $1,000-$50,000. This range is on par with personal loan amounts offered by other personal loan lenders, although some personal loan lenders do offer up to $100,000.

    Note that Upstart has minimum loan amounts for the following states:

    • Georgia – $3,100
    • Hawaii – $2,100
    • Massachusetts – $7,000

    Fees

    When it comes to fees, Upstart has several. For starters, it charges a one-time origination fee of 0%-12%. The origination fee is taken out of your loan amount before it’s funded. There’s also a late payment fee of the greater of 5% of the monthly past due amount or $15. Late payment fees may be assessed if you fail to pay within 10 calendar days of the payment due date. Upstart also charges $15 per occurrence for returned ACH or check payments, and a $10 fee if you request paper copies of your loan documents.

    Funding

    In most cases, Upstart provides fast funding. It funds personal loans on the next business day — as long as you accept the terms before 5 p.m. ET, Monday-Friday. If you accept the terms after 5 p.m. (or on a weekend or holiday), the funds will be transferred on the following business day unless you are using the funds to pay off credit cards. If the personal loan is for education purposes, it will take three additional business days to receive the funds.. APPLY FOR UPSTART NOW.

    How To Apply for an Upstart Loan

    To apply for an Upstart loan, do the following: 

    1. Go to Upstart’s website and click “Check your rate.” This will not affect your credit. 
    2. Select the desired personal loan amount and loan terms.
    3. Fill out the loan application. You’ll be asked for information about your education and work experience as well as the loan’s purpose. The lender will initiate a hard pull on your credit.
    4. Wait for Upstart’s decision on your loan application.  

    Who Upstart Is Best For 

    Upstart is best for consumers who have challenged or limited credit, which makes it difficult to get a personal loan through a traditional lender. Upstart uses an AI-powered lending model that examines over 1,500 variables, including education and employment, to determine consumer credit risks, which leads to greater approval rates than what traditional lenders can offer.

    Final Take 

    When considering a personal loan, it pays to shop around. Take into consideration the fees and rates of each lender. And if you have a limited credit profile or other credit challenges, including fair credit instead of good or excellent ratings, Upstart is worth considering. Keep in mind, however, that Upstart’s personal loan origination fees can be up to 12% and are deducted from the total loan amount before you receive it. 

    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.

  • Biohacking habits that I think are overrated

    Biohacking habits that I think are overrated


    What’s worth the hype and what isn’t…

    You know I love a good wellness gadget, especially when it actually helps you feel better. I’ve tried a lot over the years – some were gamechangers, others… not so much.

    There’s so much noise in the biohacking world right now that it can feel like you need a $10,000 setup just to have decent energy or sleep through the night. Spoiler alert: you don’t.

    Here are some biohacking products (and trends) that I think are totally overrated – and what to do instead for real, sustainable results.

    (worth mentioning here that my fave Lumebox and castor oil pack are not overrated)

    Biohacking habits that I think are overrated

    1. Taking a Million Supplements “Just Because”

    If you’ve ever looked at someone’s supplement shelf and thought, “Should I be taking more??” –  you’re not alone. But loading up on random pills without a clear reason can burden your liver, drain your wallet, and possibly make symptoms worse.

    Many of us are taking things our bodies don’t even need – or can’t absorb properly – because we saw someone on TikTok recommend it.

    Try this instead:

    Get functional testing done first. This could include minerals, gut health, inflammation, hormones, and food sensitivities. I do this with my 1:1 clients, and it changes everything. You’ll save money and get better results by only supporting what your body actually needs. Testing removes the guesswork. If you’re interested in leanring more, email me [email protected] subject TESTING.

    2. Cold Plunges for Everyone

    Cold plunges are everywhere right now. While they can have some benefits (like reduced inflammation and increased resilience), they’re not a fit for everyone, especially women dealing with hormonal imbalances, adrenal fatigue, or autoimmune flares.

    If your nervous system is already running on overdrive, jumping into a tub of freezing water might just stress it out even more.

    Try this instead:

    Start slow. Try a short cold shower at the end of your warm shower, or finish with a splash of cold water on your face. Focus on nervous system regulation first – think breathwork, gentle movement, and prioritizing sleep. Then, if your body feels ready, gradually introduce cold exposure. Also heat exposure, like my beloved sauna blanket, can be a much better fit!! I WAY prefer heat over cold.

    3. Super Pricey PEMF Devices with Wild Claims

    I love PEMF therapy and use the HigherDOSE GO Mat regularly – it’s part of my morning routine. But some of the extremely expensive PEMF mats on the market promise everything from total healing to “reprogramming your cells.”

    Try this instead:

    Find a well-reviewed, affordable PEMF device that fits your needs. Use it consistently and combine it with other healing tools like red light therapy, grounding, or journaling. It’s not about the fanciest device; it’s about your habits. Use FITNESSISTA15 for 15% off HigherDose!!

    4. Nootropic Blends with Zero Research

    These “brain-boosting” powders and capsules might look cool on your shelf, but many are full of proprietary blends and stimulants with little actual research behind them. Plus, if you’re already running on low sleep, I hate to say it, but a mushroom powder isn’t going to fix it.

    Try this instead:

    Support your brain naturally: get sunlight in the morning, eat healthy fats, and try whole-food-based adaptogens like lion’s mane, L-theanine, or magnesium threonate from reputable brands. Real energy starts with foundations: sleep, blood sugar balance, and hydration.

    5. Blue Light Glasses… All Day Long

    Blue light blockers at night are super helpful. But wearing orange glasses all day? Not helpful. Your body needs blue light in the morning and early afternoon to support energy, alertness, and circadian rhythm regulation.

    Try this instead:

    Expose your eyes (no glasses or contacts) to natural light within 30 minutes of waking. Even 5–10 minutes outside helps set your circadian rhythm, support cortisol balance, and improve your sleep later that night. For the best blue light blockers that you can use all day (just swap the lenses), I highly recommend Vivarays (code FITNESSISTA).

    6. Sleep Trackers That Stress You Out

    I’ve used a few trackers over the years, and here’s the truth: if it’s causing more stress or making you obsess over your “sleep score,” it’s probably not helping. Sleep is about more than data; it’s about how you feel.

    Try this instead:

    Track how rested you feel each morning and focus on creating a bedtime routine you actually look forward to: magnesium, stretching, a book, or the sauna blanket. Trust your body more than your app.

    7. $7,000 Cold Plunge Tubs

    I’ll say it again for the people in the back: you do not need a luxury ice bath to get the benefits of cold exposure. Cold therapy is amazing, but a daily 60-second cold shower works just as well (and costs exactly $0)

    Try this instead:

    Use what you’ve got. A bowl of ice water for your face, a cold rinse after your shower, or a DIY cold bath in the tub with some ice packs from the freezer. Bonus: it builds resilience and can support the vagus nerve.

    Friendly reminder:

    Biohacking is not about doing everything or having all the fancy tools; it’s about being intentional with your habits, your energy, and your health.

    If something feels like it’s adding stress, draining your wallet, or creating confusion… it’s probably not helping.

    Start with the basics:

    Quality sleep

    Real food

    Nervous system regulation

    Functional testing

    Movement you love

    Morning light

    Mindful stress support

    The most powerful biohacks are simple, consistent, and sustainable.

    Let me know if you’ve tried any of these trends or if there’s one you’re curious about – I’m happy to test things so you don’t have to. 😉

    xo,

    Gina

    For a roundup of my FAVE biohacking products, check out this post

    And if you want the first deets on what I’m trying, using, and what’s worked for me, make sure you’re subscribed to my newsletter

  • Capricorn Clark Testified Diddy Threatened Her Multiples Times

    Capricorn Clark Testified Diddy Threatened Her Multiples Times


    Diddy, delay, trial, judge

    She also testified that she was kidnapped when he broke into Kid Cudi’s house


    Sean “Diddy” Combs’ former assistant, Capricorn Clark, told the court that the entertainment mogul threatened to kill her and also kidnapped her when he went to Kid Cudi’s house, where he threatened to kill the rapper who was seeing Cassie at the time.

    According to Yahoo! News, during the tenth day of the explosive federal trial of Diddy, Clark shared how she was treated during her time as his assistant, giving details about the times the No Way Out executive had threatened her. During her testimony, she stated that when she was hired in 2004, she was immediately threatened on her first day once he discovered that she worked for his hated rival, Suge Knight, at Death Row Records.

    She stated that on the night of her first day of employment, Diddy and one of his security guards took her to Central Park at 9  p.m. and threatened her.

    “He told me that he didn’t know that I had anything to do with Suge Knight and if anything happened, he would have to kill me,” Clark testified.

    Clark told the courtroom that in 2006, at his home in Miami, he told her that she essentially had no life if she wanted to work for him.

    “See, your problem is you want a life, and you can’t have that here,” she alleges Combs said.

    She also testified that in 2011, during the Kid Cudi fracas between Diddy, Cassie, and the rapper, she was kidnapped and forced to go with Diddy when he broke into the Day ‘n’ Nite rapper’s house.

    “He just said, ‘Get dressed, we’re going to go kill [him],’” Clark stated. After telling Diddy she did not want to go, he forced her to accompany him and his security to Cudi’s place. He allegedly told her, “I don’t give a f**k what you want to do, go get dressed,” before they headed to the residence.

    The former assistant also testified that she witnessed Diddy putting his hands on the ‘Me & U singer.’

    RELATED CONTENT: Diddy’s $400M Net Worth Is At Risk If Government Seizes His Assets



  • A Peek into My Wellness-Driven Routine

    A Peek into My Wellness-Driven Routine


    While I won’t claim an award for organization or minimalism with my nightstand… it is a carefully curated hub of tools and essentials. They support my health, improve my sleep, and set the tone for a productive day ahead. I also mentioned in my habit-stacking podcast and post that the nightstand is also a great place to put visual reminders of healthy habits since it’s the first thing I see in the morning. 

    Let me walk you through everything on my nightstand and explain why it’s there.

    1. Quart-Sized Mason Jar With Salt

    First things first: hydration. On my nightstand, you’ll find a quart-sized mason jar filled with water and a teaspoon of high-quality mineral salt dissolved in it. Why? Because rehydrating first thing in the morning is non-negotiable for me. Overnight, we lose water through respiration and sweat, leaving our bodies dehydrated. Adding a pinch of salt to water provides essential electrolytes, helping to:

    • Replenish hydration levels
    • Support adrenal function
    • Balance blood pressure
    • Kickstart digestion

    Sometimes, I mix it up by dissolving the salt directly in my mouth before drinking plain water. Either way, this small morning ritual has a big impact on my energy levels and overall well-being. Lately, I’ve been using these microplastic-free salts. Check out these posts and this podcast for more about why I love salt! 

    2. Morning and Evening Supplements

    A good night’s sleep is only half the battle; what you do in the morning matters just as much. I keep my go-to supplements on my nightstand to ensure I never miss them. Here’s what I’m taking and why:

    • Magnesium Breakthrough: I take magnesium in the morning because I’m an inverse modulator, but many people find it’s more effective at night. Magnesium is essential for hundreds of processes in the body. It supports muscle function, reduces stress, and promotes energy production. It’s also fantastic for balancing hormones and improving sleep quality.
    • PectaSol: This modified citrus pectin is my go-to for gentle detoxification. It binds to heavy metals and toxins in the body, helping to eliminate them safely. I’ve found this helpful in my autoimmune recovery journey and take it regularly now to keep inflammation in check. 
    • MassZymes: A digestive enzyme supplement that aids in breaking down proteins and improving gut health. It’s especially helpful if you’ve indulged in a heavy meal the night before. I take this in the morning and evening on an empty stomach, but also sometimes take it with meals to improve digestion. It works differently when taken with or without food, so I mix it up and often do both. 
    • Just Thrive Probiotics: A healthy gut is the foundation of wellness, and probiotics help maintain that balance by supporting digestion and immunity. I also take this with or without food at different times. 
    • Neural RX from Wizard Sciences: This one is a game-changer for brain health. It supports cognitive function, mental clarity, and focus. I typically take this in the morning for an energy boost. Sometimes I take it at night and typically have vivid dreams when I do. 

    It looks a little cluttered, but having these on my nightstand helps me remember to take them and I’m a lot more consistent this way. I like glass jars like these that help them look better. You’ll find the same jars on my kitchen table with other supplements that the kids and I take during the day. 

    3. Essential Oils for Better Sleep

    Sleep is sacred in my house, and Vibrant Blue Essential Oils are my secret weapon. I’ve curated a collection of blends specifically for relaxation and sleep from my friend Jody at Vibrant Blue:

    • Parasympathetic: Calms the nervous system and promotes deep relaxation.
    • Fascia Release: I’ve been focusing on lymph and fascia lately and love this one for gentle movement and mobility before sleep. 
    • Lymph: A powerful mix of oils designed to support the lymphatic system. I love this in combination with having my feet up on the wall and lying on an acupressure mat at night. 

    I apply these oils to my wrists, neck, and the bottoms of my feet before bed, and the difference in my sleep quality is remarkable.

    4. Detox Support: CytoDetox and Carbon Cleanse

    I also keep CytoDetox and True Carbon Cleanse here. I’ll often take Cytodetox in the morning and evening and True Carbon Cleanse at night, along with Pectasol and Masszymes. These are designed to. 

    • Support cellular detoxification
    • Bind to environmental toxins
    • Promote overall energy levels and battle inflammation

    Taking these regularly helps me feel energized and clear-headed.

    5. Be Serene for Stress Relief

    Modern life can be overwhelming, so I’ve made it a priority to manage stress effectively. Be Serene is a blend of adaptogenic herbs and natural compounds that helps:

    • Reduce stress
    • Promote relaxation
    • Balance mood

    It’s my go-to when I need to unwind at the end of a long day.

    6. Blue Light Blocking Orange Glasses

    Let’s talk about light hygiene. My orange-tinted blue light blocking glasses are essential for reducing exposure to artificial blue light in the evenings. Blue light can suppress melatonin production, making it harder to fall asleep. By wearing these glasses, I:

    • Protect my circadian rhythm
    • Improve my sleep quality
    • Reduce eye strain

    I also try to switch to lower and red/amber lighting in our whole house at night and avoid screens and bright lights as much as possible after dark. 

    7. Books I’m Currently Reading and My Journal

    Reading is part of my wind-down routine, and I always have a few books on my nightstand. Right now, I’m diving into titles on personal growth, health, and wellness. My Kindle also lives here for digital books.

    Currently I’m reading or re-reading: Awareness by Anthony de Mello, Man’s Search for Meaning, The Reclaimed Woman by Kelly Brogan, Braiding Sweetgrass on the recommendation from a friend, The Four Agreements, and Power vs. Force by David Hawkins. 

    Alongside my books is my journal and my planner, where I:

    • Reflect on the day
    • Jot down gratitude lists
    • Plan for tomorrow

    This simple practice keeps me grounded and focused.

    8. Daylight Computer

    Speaking of avoiding blue light at night… this has been a game changer. 

    Yes, I have a dedicated computer for nighttime use, though this is quickly becoming my daily use computer as well. This Daylight computer is designed with low EMF emissions and zero blue light, making it ideal for reading or writing in the evening without disrupting my sleep cycle. It’s a lifesaver for late-night inspiration sessions. It can integrate most apps and I use it for listening to audiobooks and podcasts, working on writing in Google Docs, taking notes, digital journaling, listening to music, and more! 

    9. Mouth Tape

    Mouth tape might sound odd, but it’s a game-changer for breathing. By gently taping my mouth shut at night, I ensure I breathe through my nose, which:

    • Improves oxygen intake
    • Reduces snoring
    • Enhances sleep quality

    It’s a small tweak with big benefits.

    10. Sound Machine and Blackout Shades

    Creating the perfect sleep environment is non-negotiable. My sound machine produces calming white noise to drown out distractions, while my 100% blackout shades ensure complete darkness. These have been a game changer and can make my room completely dark even in the afternoon. I keep the remote for the shades on my nightstand for easy access.

    11. Charger for My Oura Ring

    My Oura Ring is my favorite wearable for tracking sleep, activity, and recovery. Its charger has a permanent spot on my nightstand so it’s always ready to go.

    12. Face Roller and Gua Sha Tools

    Skin care is self-care, and these tools help me de-puff and relax before bed. The gentle massage improves circulation and lymphatic drainage, leaving my skin glowing. I use the rollers from here and these gua sha tools and face cupping tools.

    13. Silk Bonnet and Sleep Scrunchie

    Protecting my hair while I sleep is a priority. My silk bonnet and scrunchie prevent breakage and keep my hair smooth and tangle-free.

    14. Lamp with a Red Light Bulb

    Finally, my nightstand features a lamp with a red light bulb. Red light doesn’t interfere with melatonin production, making it the perfect choice for bedtime reading or relaxing.

    The Takeaway

    My nightstand isn’t just a collection of random items; it’s a wellness powerhouse. Each item serves a purpose, supporting my health, improving my sleep, and helping me wake up refreshed and ready to tackle the day. Whether you’re looking to upgrade your sleep environment, enhance your morning routine, or simply find new ways to prioritize wellness, I hope this peek into my nightstand inspires you to create your own health-focused haven. Sweet dreams!

    What do you keep on your nightstand? Leave a comment and let us know!

  • Your face in the future: Humanize your insurance brand experience to differentiate | Insurance Blog

    Your face in the future: Humanize your insurance brand experience to differentiate | Insurance Blog



    In its 25th year, the annual Accenture Tech Vision report continues to be a guiding light for the future of technology. This year, the report highlights four key trends that are set to revolutionize technology: 1) The Binary Big Bang, 2) Your Face in the Future, 3) When LLMs Get Their Bodies, and 4) The New Learning Loop. Among these, “Your Face in the Future: Differentiating when every interface looks the same” stands out to me as a particularly compelling trend for the insurance industry. 

    The power of Agentic AI 

    So what is Agentic AI? Put simply, Agentic AI are ‘AI agents’ that exhibit human-like behavior, characteristics and interactions. Often, these AI have been imbued with distinct personalities shaped by their words, speech patterns, and tone. Agentic AI brings generative AI to the next level, with this ‘personification’ also extending to virtual avatars and physical robots. 56% of insurance executives in the report believe gen AI could have the greatest impact on reinventing their organization in the area of customer relationships, such as engaging with customers through Agentic AI.  

    What’s your AI personality? 

    As businesses increasingly integrate gen AI into customer interactions, a critical question emerges: What is your AI’s personality? 99% of insurance executives state that establishing or maintaining a consistent personality will be important or very important to their customer-facing AI agents over the next 3 years. Generic agents can lead to a bland and impersonal experience, diluting brand identity. 79% agree with this, saying that ‘chatbots that all sound the same are creating differentiation challenges for organizations like theirs’. However, agentic AI offers a solution. Think about it – historically, brand identity has never had an actual, real voice. Communicators have talked about the more intangible yet crucially important concept of ‘brand tone of voice’. Think Nike and you immediately think ‘motivating’ and ‘empowering’.  Equally, Lemonade is known for its unique and quirky tone. Insurance companies and brands must protect their unique voice to avoid becoming generic. Now it is possible to marry AI’s scale and efficiency with the humanizing voice and tone of a company’s brand and values, breathing life and personality into digital representatives, hyper-personalizing customer interactions and unlocking customer relationships like never before. 

    In this blog, I’m going to examine the application of Agentic AI in three key areas : 

    1. Customer Experience  

    In personal lines, Agentic AI can help amplify trust and loyalty that are critical in insurance service interactions, enabling more intuitive and empathetic agentic conversations in both policy sales and claims experience. Delivering service interactions that are highly curated, contextual and reflective of someone’s current situation can now be enabled by AI.  94% of insurance executives agree that the ‘context of the customer,’ such as purchase history, engagement behavior, and demographic/psychographic data, is important or very important in establishing a consistent personality for customer-facing AI agents. Additionally, customers’ ability to submit videos to back-up their claims should become table stakes, further cementing that trust. 74% of insurance executives agree or strongly agree that multimodal AI interactions, such as videos of medical injuries, crash sites, and drone footage of natural disaster zones, will be at the forefront of customer experience in the next 3-5 years. This will give customers optionality for how they can share relevant real-time information and how an AI agent helps them satisfy a claim or service request within hours (not days).  

    On top of all this, the best AI will go beyond and also leverage historical customer conversations to inform future ones. It will anticipate individual customers’ pain points and potential needs for future new products or offerings so the AI agent can curate value to customers.  It should be designed to embody the unique personality of the company and brand values, including its voice (beyond tone), maintaining consistency and authenticity and creating more differentiated, dynamic and engaging customer experiences.  

    1. Employee Experience  

    In both personal and commercial lines, AI agents can complement insurance employees across the entire marketing, sales and service life cycle and aid to accelerate decision making, call summarization and insights generation. This can help human agents focus on higher value tasks. ​  

    1. Agent & Broker Experience 

    For any insurance segment, gen AI can significantly enhance the personalization of the agent and broker experience. This technology ensures that recommendations are more tailored to the specific risk appetite of each client, leading to more effective and satisfying interactions. Whether distribution is captive or independent, providing gen AI solutions to expedite decision making, drive dynamic price and deliver tailored recommendations to end-customers will enable agents and advisors to succeed and enhance the carrier to attract next-gen sellers and agencies. 

    Preserving trust and brand identity 

    76% of insurance executives agree their organizations will need to proactively build trust between Agentic AI and their customers. To build and preserve this trust, it is essential to keep your agents aligned with your brand by meticulously reviewing and continuously monitoring their training data inclusive of brand “voice” data. Work with AI experts to set clear rules and boundaries that limit their knowledge and vocabulary. Additionally, demonstrate restraint in data collection by respecting user privacy, preparing for regulatory challenges, and providing transparent, customizable privacy settings. This approach ensures that your AI interactions are beneficial and respectful and that you are translating the brand promise and identity into a brand that users can rely on. 

    CARA: Irish Life’s leading-edge claims app  

    CARA, the Claims AI Reasoning Assistant by Irish Life, is a prime example of how Agentic AI can enhance customer interactions. It is a groundbreaking multimodal AI system that is revolutionizing the insurance claims process. Developed to address the critical need for swift and compassionate support during life’s most challenging moments, CARA leverages advanced generative AI and medical reasoning to validate and transcribe claim documents, evaluate medical criteria, and ensure accurate and efficient claims processing. By reducing the time from initial claim submission to payment from weeks to just half a day, CARA delivers an unparalleled claims experience. This innovative solution, which handles multilingual data and integrates with Azure Cognitive Services, has not only enhanced customer satisfaction but also significantly boosted employee productivity and morale as it intelligently assigns claims to assessors based on complexity and experience, ensuring swift resolution with the right expertise. 

    Agentic AI will make the insurance industry a hyper-personalized business 

    The future of customer interactions in the insurance industry is bright with the potential of Agentic AI. By infusing personality into AI agents and maintaining a strong brand identity, companies can build deeper, more meaningful relationships with their customers. The key is to approach this technology with intention and a commitment to trust and transparency. It’s more than just a brand exercise. This is the first step to reinventing business models around AI. The potential is there for the insurance business to hyper-personalize and curate to the individual throughout the value chain, in underwriting, pricing, policy duration and claims, where tailored offerings will become the customer norm. The more we build trust in AI, and the more customers grow an affinity for working with an AI, the more the door opens up to AI becoming a true direct channel for customers. Exciting times ahead! 

  • 6 Ways to Help Your Child Build Credit During College

    6 Ways to Help Your Child Build Credit During College


    College students have a lot on their plate already, including the need to study to get good grades, participating in any number of on-campus activities and potentially working part-time to have some spending money.

    That said, college students should also focus on their financial future, including steps they can take to build credit before they enter the workforce.

    After all, having a credit history and a good credit score can mean being able to rent an apartment, finance a car or take out a loan, whereas having no credit at all can mean sitting on the sidelines until the situation changes.

    Fortunately, there are all kinds of ways for young adults to build credit while they’re still in school. Some strategies require a little work on their part, but many are hands-off tasks that you only have to do once.

    Teach Them Credit-Building Basics

    Make sure your student knows the basic cornerstones of credit building, including the factors that are used to determine credit scores. While factors like new credit, length of credit history and credit mix will play a role in their credit later on, the two most important issues for credit newcomers to focus on include payment history and credit utilization.

    Payment history makes up 35% of FICO scores and credit utilization ratio makes up 30% of scores.

    Generally speaking, college students and everyone else can score well in these categories by making all bill payments on time and keeping debt levels low. How low?

    Most experts recommend keeping credit utilization below 30% at a maximum and below 10% for the best possible results. This means trying to owe less than $300 for every $1,000 in available credit limits at a maximum, but preferably less than $100 for every $1,000 in credit limits.

    Add Your Child as an Authorized User

    One step you can personally take to help a child build credit is adding them to your credit card account as an authorized user. This means they will get a credit card in their name and access to your spending limit, but you are legally responsible for any charges they make. Obviously, this move works best when you have excellent credit and a strong history of on-time payments and you plan to continue using credit responsibly .

    While this step can be risky if you’re worried your college student will use their card to overspend, you don’t actually have to give them their physical authorized user credit card.

    In fact, they can get credit for your on-time payments whether they have access to a card or not. If you do decide to give them their credit card, you can do so with the agreement they can only use it for emergency expenses.

    Encourage Them to Get a Secured Credit Card

    Your child can build credit faster if they apply for a credit card and get approved for one on their own, yet this can be difficult for students who have no credit history. That said, secured credit cards require a refundable cash deposit as collateral are very easy to get approved for.

    Some secured credit cards like the Ambition Card by College Ave even offer cash back1 on every purchase and don’t charge interest2. If your child opts to start building credit with a secured credit card, make sure they understand the best ways to build credit quickly — keeping credit utilization low and paying bills early or on time each month.

    screenshot of ambition card by college ave

    Opt for a Student Credit Card Instead

    While secured credit cards are a good option for students with little to no credit get started on their journey to good credit, there are also credit cards specifically designed for college students. Student credit cards are unsecured cards, meaning they don’t require an upfront cash deposit as collateral, but charge interest on any purchases not paid in full each month.

    Many student credit cards offer rewards for spending with no annual fee required as well, although these cards do tend to come with a high APR. The key to getting the most out of a student credit card is having your dependent use it only for purchases they can afford and paying off the balance in its entirety each billing cycle. After all, sky high interest rates don’t really matter when you never carry a balance from one month to the next.

    Student Credit Cards…

    “One of the safest ways for college student to build their credit by learning valuable money skills.”

    Help Your Child Get Credit for Other Bill Payments

    While secured cards and student credit cards help young adults build credit with each bill payment they make, other payments they’re making can also help.

    In fact, using an app like Experian Boost can help them get credit for utility bills they’re paying, subscriptions they pay for and even rent payments they’re making. This app is also free to use, and you only have to set up most bill payments in the app once to have them reported to the credit bureaus.

    There are also rent-specific apps and tools students can use to get credit for rent payments, although they come with fees. Examples include websites like Rental Kharma and RentReporters.

    Make Interest-Only Payments On Student Loans

    The Fair Isaac Corporation (FICO) also notes that students can start building credit with their student loans during school, even if they’re not officially required to make payments until six months after graduation with federal student loans.

    Their advice is to make interest-only payments on federal student loans along with payments on any private student loans they have during college in order to start having those payments reported to the credit bureaus as soon as possible.

    “Making interest-only payments as a student will not only positively affect your credit history but will also keep the interest from capitalizing and adding to your student loan balance,” the agency writes.

    Of course, interest capitalization on loans would only be an issue with private student loans and  Federal Direct Unsubsidized Loans since the U.S. Department of Education pays the interest on Direct Subsidized Loans while you’re in school at least half-time, for six months after you graduate and during periods of deferment.

    The Bottom Line

    College students don’t have to wait until they’re done with school to start building credit for the future, and it makes sense to start building positive credit habits early on regardless. Tools like a credit card can help students on their way, whether they opt for a secured credit card or a student card. Other steps like using credit-building apps can also help, and with little effort on the student’s part or on yours.

    Either way, the best time to start building credit was a few years ago, and the second best time is now. You can give your student a leg up on the future by helping them build credit so it’s there when they need it.

    1Cash back rewards are subject to the Ambition Rewards Terms & Conditions.

    20% APR. Account is subject to a monthly account fee of $2, account fee is waived for the initial six-monthly billing cycles.

    College Ave is not a bank. Banking services provided by, and the College Ave Mastercard Charge Card is issued by Evolve Bank & Trust, Member FDIC pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

  • Want Stronger Bones? Here’s How to Start Impact Training at Any Age

    Want Stronger Bones? Here’s How to Start Impact Training at Any Age


    “Wait… You Want Me to Jump?”

    When I suggest adding impact training to the fitness routines of my over-50 clients, I often get wide eyes and raised eyebrows. They picture explosive box jumps or high-impact plyometrics — and understandably, that sounds intimidating, especially for someone who’s never tried it, hasn’t done it in decades, or is navigating osteoporosis or osteopenia.

    But here’s the thing: impact training doesn’t have to mean leaping tall boxes in a single bound. In fact, it can be surprisingly simple — and a lot closer to the ground — yet still build stronger bones.

    What Is Impact Training, Really?

    Impact refers to any two forces meeting one another. In impact training, those two forces are your body and the ground.

    We often think of bones like those lifeless plastic skeletons from anatomy class — static and inert. But bones are incredibly alive, richly supplied with blood vessels, and highly responsive to the stresses we place on them.

    For your bones to pay attention, the impact needs to exceed what they experience during normal daily activity. Things like walking, stairs, yoga, and Pilates are “ho-hum” for your bones. Even running and jogging can be boring [yawn] if you do them regularly!

    Impact training sends stronger signals that tell your bones to ramp up activity and lay down new bone cells. And new bone cells = stronger, denser bones.

    How Impact Training Improves Bone Health

    Throughout life, bones go through a regular remodeling process: old and damaged bone cells are broken down and replaced by new, healthy ones.

    During youth, we build bone faster than we break it down — until we reach peak bone mass, which for most women occurs between ages 25–30.

    But women can lose up to 20% of their bone mass during the menopause transition — usually from one year before their final period through five or six years after.

    Osteoporosis Is a Childhood Disease?

    Dr. Belinda Beck refers to osteoporosis as a “childhood disease.” Without enough bone-building physical activity as children and adolescents, we miss out on reaching our full bone mass potential. That leaves us more vulnerable to low bone density later in life.

    SIDEBAR:
    Dr. Belinda Beck ran the landmark LIFTMOR trial, which found that high-intensity resistance and impact training significantly improved bone density in postmenopausal women — and it was safe, even for those with low or very low bone mass.

    How to Start Impact Training Safely

    When starting any new type of exercise, begin small. See how your body responds, and progress gradually.

    Research shows that bones respond best to small doses of impact spread throughout the day.

    Shoes or No Shoes?

    I’m often asked whether to wear shoes for impact training. My answer? It depends.

    • If you’re used to walking around barefoot, you might feel fine starting without shoes.

    • If you always wear shoes, you’ll likely feel more supported wearing them.

    • The more intense the movement, the more helpful shoes become — especially for to cushion and protect your feet during training.

    One note: very cushy sneakers can absorb (a.k.a. reduce) impact, which might help beginners ease into this kind of training more comfortably.

    Beginner-Friendly Impact Moves (In Order of Difficulty)

    Start with just a few reps, 2–3 times a day. Work up to 10 impacts per session, aiming for 50 total per day. You can sneak these in while your coffee brews or during commercial breaks! (Bonus points for multi-directional hops and jumps.)

    👀 Watch the video of each of these moves here.

    • Heel Drops: Rise onto your toes, then drop your heels down with a firm landing. You want to feel a reverberation through your bones.

    • Stomps: Lift one foot and stomp it down flat to create a skeletal vibration.

    • Jumping Jacks: The classic move — jump your legs out while raising arms overhead, then return to center.

    • Drop Landings: Step off a low platform and land with bent knees.

    • Jump: Bend knees, jump vertically, and land with control.

    • Hop: A single-leg jump in place or in different directions — like hopscotch!

    Don’t worry if some of these feel awkward or unfamiliar. Pick one or two and build gradually.

    🚨Watch the video of each of these moves here.

    Why Impact Training Matters (Now More Than Ever)

    Impact training isn’t just for elite athletes — it’s for anyone who wants to age with strength, confidence, and vitality.

    Just a few hops or heel drops a day can help:

    No need to jump into the deep end. Start small, stay consistent, and remember: every little impact counts.

    Your bones — and your future self — will thank you.

    If you need more information on navigating exercise for bone health, or have been diagnosed with osteoporosis or osteopenia, I’m here to help! —Karin

    P.S. Got Young Ones in Your Life? Help them build their “bone bank” early. Encourage them to jump, skip, hop, climb — and better yet, move with them. Bone health is a lifelong investment, and it’s never too early (or too late) to start.


    References:

    The Role of High-intensity and High-impact Exercises in Improving Bone Health in Postmenopausal Women: A Systematic Review., Manaye S, et. al, 2023

    Mechanobiology of Bone Tissue and Bone Cells, Astrid Liedert, et. al, 2005

    Bone and the perimenopause, Lo JC, et. al, 2011

    The BPAQ: A bone-specific physical activity assessment instrument, Weeks B., Beck, B., 2008

    Skeletal site-specific effects of jump training on bone mineral density in adults: a systematic review and meta-analysis, Florence GE, et. al, 2023

    The effect of exercise intensity on bone in postmenopausal women (part 2): A meta-analysis. Kistler-Fischbacher M, et. al, 2020

    The Mechanosensory Role of Osteocytes and Implications for Bone Health and Disease States. Choi JUA, et. al, 2022

    Efficiency of Jumping Exercise in Improving Bone Mineral Density Among Premenopausal Women: A Meta-Analysis, Zhao R., et. al, 2014