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  • Trauma Healing Through Tantric Work

    Trauma Healing Through Tantric Work


    Trauma can leave deep imprints on the body and mind. Tantric massage offers a pathway to release stored tension through conscious touch. This article explores how tantric work supports trauma healing. It guides readers through principles, session dynamics, and integration practices.

    Foundations Of Tantric Trauma Healing

    Tantric massage stems from ancient energy traditions. It recognizes that emotional wounds reside in muscle and tissue patterns. Practitioners employ slow, mindful strokes to awaken the body’s subtle energy. Guided breathwork accompanies touch to dissolve blockages. The result fosters emotional release and a renewed sense of embodiment.

    The Neurobiology Of Touch and Trauma

    Trauma disrupts the autonomic nervous system and heightens fight-or-flight responses. Intentional touch activates the parasympathetic branch. This switch lowers cortisol levels and increases oxytocin production. Clients often report a profound sense of safety during sessions. Over time, the nervous system recalibrates toward balance and resilience.

    Key Elements Of A Healing Session

    Sessions typically last 90 to 120 minutes. A confidential consultation precedes the tantric massage. Practitioners inquire about medical history and trauma triggers. Draping techniques ensure physical comfort and emotional security. Touch progresses from gentle effleurage to deeper, sustained holds over energy centers. Silence or soft guidance supports inward focus.

    Creating A Safe Space

    Trauma healing demands a controlled environment. Practitioners curate treatment rooms with soft lighting and neutral décor. Soundscapes often feature ambient tones to ground attention. Clients seeking discretion can explore options for a private tantric massage in London. These bespoke sessions take place in secluded venues designed for confidentiality and calm.

    Choosing The Right Therapist

    Competent guidance rests on thorough training and ethical practice. Credentials from reputable tantra schools signal proficiency. Membership in professional associations adds credibility. Interviews and trial sessions help assess rapport and trust. Many turn to directories of tantric massage therapists in London to verify qualifications and client feedback.

    Addressing Boundaries And Consent

    Clear communication underpins trauma-informed tantric work. Therapists outline the session structure and obtain explicit consent for each stage. Clients retain the power to adjust pressure or pause at any moment. This collaborative approach restores agency that trauma may have diminished. Respecting boundaries reinforces safety throughout the process.

    Healing Benefits Of Tantric Massage

    • Release of muscle tension and emotional blockages
    • Enhanced body awareness and self-compassion
    • Reduction in anxiety and hypervigilance
    • Improved sleep patterns and mood regulation

    Integrating Breath And Movement

    Breath holds a central role in tantric trauma healing. Practitioners guide diaphragmatic breathing to mobilize stored emotions. Gentle movement sequences may follow the massage to reinforce flow. Clients learn self-soothing techniques useful between sessions. These practices deepen the therapeutic impact beyond the treatment room.

    Advanced Modalities And Cautions

    Some centres offer specialised rituals combining sound therapy or crystal work. Others provide full-spectrum packages with hydrotherapy or yoga integration. Clients drawn to more sensuous aspects should proceed with care. Promises of a luxury happy ending massage in London often blur therapeutic intent. Discernment and clear contract terms protect against exploitative practices.

    Post-Session Integration

    After a tantric trauma session, the body enters a receptive state. Practitioners recommend gentle hydration and rest. Journaling emotional shifts aids in processing insights. Light movement, such as walking or stretching, supports circulation. Follow-up sessions build on progress and adapt techniques to evolving needs.

    Measuring Progress

    Healing unfolds over multiple sessions. Clients may track changes in sleep quality, stress levels, and emotional stability. Periodic reviews with the therapist refine goals and methods. Over time, clients report deeper emotional regulation and a renewed connection to their bodies.

    Conclusion

    Tantric work offers a compassionate approach to trauma healing, combining intentional touch, breathwork, and ethical practice to guide clients toward restored balance. With informed choices and clear communication, this modality can transform deep-seated trauma into opportunities for growth.



  • High-Fat Diets Increase Breast Cancer Risk and Metastasis

    High-Fat Diets Increase Breast Cancer Risk and Metastasis


    Breast cancer, characterized by lumps in the breast, unexplained swelling, skin changes, and sometimes persistent pain, remains the second most common cancer among women worldwide. In the U.S. alone, the American Cancer Society estimates that 316,950 women will be diagnosed with this disease in 2025.1

    While it’s commonly believed that breast cancer occurs due to factors such as gene mutations or inherited genes, research shows that there’s one alarming factor that dramatically influences risk — your diet. Specifically, eating a diet excessively high in fat.

    A High-Fat Diet Makes Cancer Spread Faster

    A study published in Nature Communications2 explored how a high-fat diet speeds up the spread of breast cancer, particularly focusing on the role played by platelets, which are blood cells involved in clotting. Specifically, the researchers set out to determine the link between 60% of calories as fat and faster cancer metastasis (the spreading of cancer cells) into the lungs.

    • A high-fat diet had a significant effect on platelet activation — Platelets in mice fed a diet consisting of 60% fat did not behave normally. They became excessively sticky and aggressive, and began forming clumps, especially in the lung tissues.

    • Aggressive platelets didn’t just randomly cluster — These cells specifically released a protein called fibronectin, which significantly enhances the cancer cells’ ability to stick to blood vessels. Fibronectin acts like glue, providing cancer cells with a firm grip onto blood vessel walls.

    Without fibronectin, cancer cells would struggle to latch onto the blood vessels in the lungs, severely limiting their potential to invade and spread. But when fibronectin levels are elevated, as it happens with high-fat diets, cancer cells easily attach, survive, and rapidly proliferate in new areas.

    • Fibronectin damages cellular health — To confirm how pivotal fibronectin was, the researchers conducted an additional test — they blocked fibronectin’s action. In doing so, they dramatically slowed cancer spread, emphasizing how damaging a high-fat diet can be by ramping up fibronectin production.

    • Reversing the harmful effects is doable — When the researchers switched the test mice from a high-fat diet back to a normal one, they noticed a significant reduction in platelet activation and cancer spread.

    The change didn’t take long, showing that dietary adjustments provide rapid and powerful protection against metastasis. It’s a convincing reason to take immediate action, especially if you’re constantly consuming high-fat meals.

    • Blood coagulation provides a clue to cancer risk — Another observation was related to blood coagulation times. Blood from the animals on high-fat diets coagulated faster — a change that accurately predicted worse outcomes. Essentially, faster blood-clotting indicates platelet hyperactivity, making your bloodstream a more hospitable environment for cancer cells.

    By monitoring blood clotting times, health care providers can identify individuals at greater risk of aggressive cancer spread due to dietary factors, enabling earlier and more targeted interventions.

    • The mechanism of platelet hyperactivation is closely linked to dietary fats — As noted earlier, activated platelets secrete high amounts of fibronectin, setting the stage for cancer metastasis by enhancing cancer cell adhesion to the blood vessels and lung tissues. But there’s another mechanism at play — they also shield cancer cells from your immune system.

    Normally, your immune cells patrol your bloodstream, identifying and eliminating rogue cancer cells. However, these clumped platelets form a protective barrier around cancer cells, making them practically invisible to immune surveillance. As a result, cancer cells survive longer, multiply rapidly, and spread more efficiently throughout your body.

    • Obesity compounds the risks of a high-fat diet — According to the researchers, having excess weight worsens the metastasis:

    “As well as affecting primary BC [breast cancer] tumor growth, obesity enhances the metastasis of these cells to the lungs in a manner that is dependent on neutrophils, involving vascular dysfunction and increased endothelial transmigration of the tumor cells.

    Moreover, obesity also induces chronic inflammation, while enhancing pro-thrombotic signaling in both platelets and endothelial cells, and promoting a state of hypercoagulability in cancer patients.”

    Other Research Supports the Link Between Fat Intake and Higher Breast Cancer Risk

    In a similar study published in Cureus,3 researchers conducted a meta-analysis to determine whether diets high in fat directly influence the risk of breast cancer in women. They chose eight studies from various countries, that involved large and diverse sample sizes, ranging from groups as small as 172 up to 91,779 people.

    Each of the selected studies measured dietary fat intake among participants using food questionnaires and tracked breast cancer diagnoses through medical records confirmed by histology or radiological methods. Just like the Nature Communications study, the findings were clear for this one — high dietary fat significantly increased the risk of developing breast cancer.

    • High polyunsaturated fat (PUF) intake is harmful — The study identified PUFs, particularly omega-6, as particularly detrimental. As noted by the researchers:

    “[O]verall caloric intake has a larger impact on the development of obesity, which is linked to redox and hormonal abnormalities that promote tumor proliferation …

    [E]xcess oxidative stresses may activate many transcription factors, including those that control the expression of genes implicated in pro-inflammatory pathways. The effect of polyunsaturated fatty acids (PUFAs) on cancer risk has been shown to depend on the ratio of -6 to -3 PUFAs. In vivo findings demonstrated that -6 PUFAs stimulate tumor development, while -3 PUFAs are protective.”

    • Timing and duration of fat consumption influence cancer risk — Researchers noted that consistent consumption of high-fat foods over several years markedly amplified the risk. In other words, prolonged exposure to these dietary fats created cumulative damage, increasing the likelihood of breast cancer diagnosis later in life.

    • The underlying biological mechanisms of fat intake on cancer — Excess fat consumption elevates your body’s levels of harmful substances called reactive oxygen species (ROS). These are unstable molecules that cause oxidative stress in cells, leading directly to DNA damage and cancerous changes.

    Chronic oxidative stress doesn’t just damage individual cells — it sets off a chain reaction of inflammatory reactions, activating genes known to drive breast cancer growth.

    • High intake of unhealthy fats disrupts hormone levels — The researchers noted that excess body fat tissue actively produces estrogen, and elevated estrogen levels strongly correlate with breast cancer development, especially in postmenopausal women. The estrogenic activity accelerates breast cell growth. Thus, consuming high-fat diets also indirectly amplifies the body’s own hormonal environment.

    Just like the previous study, this research makes it clear that the amount of fat you put on your plate each day influences your risk of breast cancer. Reducing dietary fats, particularly those that trigger chronic inflammation and hormone imbalances, like omega-6 fats will improve your risk of developing breast cancer.

    Reduce Your Breast Cancer Risk by Changing Your Diet

    To reduce your risk of breast cancer, addressing the root cause — your diet — is necessary. As shown in the studies, eating a high-fat diet sets the stage for inflammation, hormone imbalances, and aggressive cancer growth.

    I recommend you take immediate action today to reverse the risks mentioned and build a healthier future. Here are my five strategies that will set you on the right path:

    1. Cut back on linoleic acid — Linoleic acid (LA) is a harmful type of fat commonly found in vegetable oils and processed foods, as it promotes inflammation that fuels cancer growth. Start checking labels carefully and avoid foods containing soybean oil, corn oil, sunflower oil, safflower oil, and ultraprocessed foods.

    Choose healthier fats like grass fed butter, ghee, or tallow instead, as these fats do not contribute to inflammation and help protect your cellular health. For more information on how LA causes cellular damage, read my article “Linoleic Acid — The Most Destructive Ingredient in Your Diet.”

    2. Moderate your fat intake — As the earlier research noted, high levels of fat are strongly linked to breast cancer, but completely eliminating fat is neither realistic nor healthy — the key is moderation. Aim for dietary balance, because your body still needs fat to function properly.

    For metabolic efficiency, aim for a daily fat intake of about 30% of daily calories, and ensure they come from healthy sources, including full-fat raw dairy, which is a primary source of the essential odd-chained fat C15:0. Glucose is the preferred fuel for your cells, so those should make up the bulk (45% to 55%) of your calories.

    3. Switch to whole, nutrient-dense foods — If you’re regularly eating processed or fried foods, now’s the right time to make a change. Swap out processed meals and snacks for natural, nutrient-dense whole foods.

    Good choices include fresh vegetables, fruits, pasture-raised meats, wild-caught seafood, pastured eggs, and raw, grass fed dairy. These foods provide essential nutrients that support your immune system and promote optimal health.

    4. Optimize your carb intake for healthy cells — Your cells rely heavily on carbohydrates for energy, so severely restricting carbs is not a good idea. Instead, choose healthy carbohydrates to fuel cellular energy without triggering inflammation.

    Whole fruits (with pulp), cooked root vegetables, and easily digestible sources like white rice will provide stable, beneficial carbohydrates. These carbs support balanced hormone levels and reduce the oxidative stress that feeds cancer growth.

    5. Get regular exercise — Supporting your healthy diet by adding regular exercise is an effective way to protect your health against cancer. Research shows that higher muscle strength and cardiovascular fitness reduced all-cause mortality by 31% to 46% across different cancer types and stages.4

    Now, what kind of exercises are good for you? The best, and easiest one, you can do right away is go for a walk outside — aim for 10,000 steps a day. If you’re doing strength training, the sweet spot is around 40 to 60 minutes per week.

    Any longer than that, your longevity becomes the same as if you weren’t exercising at all. For a more detailed explanation on this topic, read my article “Physical Fitness Strongly Linked to Improved Cancer Survival, Study Shows.”

    Frequently Asked Questions About the Link Between High-Fat Diets and Breast Cancer

    Q: How does a high-fat diet influence the spread of breast cancer?

    A: A high-fat diet dramatically accelerates metastasis of breast cancer cells by altering platelet behavior. Platelets become hyperactive and release fibronectin, a protein that helps cancer cells stick to blood vessel walls and invade other organs, especially the lungs. This dietary pattern also leads to faster blood clotting, which predicts more aggressive cancer progression.

    Q: Can changing my diet reduce breast cancer risk?

    A: Yes, dietary changes rapidly and significantly reduce cancer risk. Research shows that switching from a high-fat to a whole-food diet with an emphasis on carbohydrates as cellular fuel decreases platelet activation and fibronectin production, reducing the likelihood of cancer cells from spreading.

    Q: What types of fats are most harmful when it comes to breast cancer?

    A: Polyunsaturated fats (PUFs), especially omega-6 fatty acids found in vegetable oils (like corn, soybean, and sunflower oil), are particularly dangerous. They promote oxidative stress, hormonal imbalances, and chronic inflammation — all factors that contribute to tumor growth and metastasis. While omega-3 is beneficial for overall health, moderation is required because even too much healthy fats won’t be good for you.

    Q: How does obesity interact with dietary fat to affect breast cancer?

    A: Obesity exacerbates the harmful effects of a high-fat diet. It leads to chronic inflammation, vascular dysfunction, and increased blood clotting, all of which support cancer metastasis. Obese people also experience hormonal imbalances, particularly increased estrogen levels, which fuel breast cancer cell growth, especially after menopause.

    Q: What are the recommended steps to reduce dietary risks for breast cancer?

    A: To lower your risk, follow the recommendations below:

    • Avoid vegetable oils — Take note of products containing soybean, corn, safflower, and canola oil.

    • Keep fat intake below 30% of daily calories — Look for healthy, animal-based fats like ghee or grass fed butter. Coconut oil is also recommended.

    • Eat whole, unprocessed foods — Examples include vegetables, fruits, and raw, grass fed dairy.

    • Focus on healthy carbs — Dietary recommendations include root vegetables and white rice.

    • Exercise regularly — Aiming for 10,000 steps per day and 40 to 60 minutes of weekly strength training.

    Test Your Knowledge with Today’s Quiz!

    Take today’s quiz to see how much you’ve learned from yesterday’s Mercola.com article.

    What’s the hidden downside of seed oils in your meals?

    • They balance omega-3 and omega-6 fats, supporting heart health
    • They increase omega-6 fats, driving inflammation and metabolic issues

      Seed oils are high in omega-6 fats, which, when overconsumed, fuel inflammation and metabolic dysfunction. Learn more.

    • They provide essential omega-3 fats, reducing inflammation
    • They lower cholesterol levels, improving blood pressure
  • Insurance News: Data & AI shaping the future of insurance | Insurance Blog

    Insurance News: Data & AI shaping the future of insurance | Insurance Blog


    In recent times, the insurance industry has been at the forefront of addressing some of the most pressing challenges of our era. From the devastating wildfires in Los Angeles to the gender pension savings gap, the role of insurance in mitigating risks and providing financial security has never been more critical. In this Insurance News Analysis, I am joined by Deborah McBrearty, Chloe Harmer and Belinda Djamson to delve into how data and AI is shaping the future of insurance.

    The Los Angeles wildfires have been yet another stark reminder of the increasing frequency and severity of natural disasters. Alarmingly, only 25% of the losses from these wildfires are likely to be insured. Deborah highlights what the world could learn from New Zealand where 90% of homes are insured for natural hazards and damage.

    Next, we look at how innovations in data and AI are revolutionizing the insurance industry, particularly in parametric insurance. One notable example is the use of satellite data to track rainfall levels in key coffee-growing regions as a means to providing immediate financial relief to farmers when adverse weather conditions hit.

    Another critical issue we discuss is the gender pension savings gap. This gap, which sees women saving less for retirement compared to men, is a significant concern. In addition to that, we identified this gap was similarly found with Gen X. Insights from Chloe and Deborah highlight the importance of the pension industry’s role in providing financial education, personalized advice, and digital platforms in order to help women and younger generations better prepare for their financial futures

    Lastly, we looked at the growing instances of insurance fraud, highlighting the critical need for sophisticated methods to combat it both at the applications and claims stages. Belinda gives us an understanding of steps insurers could take, using data and AI, to detect and prevent fraudulent activity.

  • 2025 2026 HSA Contribution Limits and HDHP Qualification

    2025 2026 HSA Contribution Limits and HDHP Qualification


    The contribution limits for various tax-advantaged accounts for the following year are usually announced in October, except for the HSA, which comes out in April or May. The contribution limits are adjusted for inflation each year, subject to rounding rules.

    You can only contribute to an HSA if you’re covered by a High Deductible Health Plan (HDHP) with no other coverage. You can use the money already in the HSA for qualified medical expenses regardless of what insurance you currently have.

    HSA Contribution Limits

    2025 2026
    Individual Coverage $4,300 $4,400
    Family Coverage $8,550 $8,750
    HSA Contribution Limits

    Source: IRS Rev. Proc. 2024-25, Rev. Proc. 2025-19.

    Employer contributions are included in these limits.

    The family coverage numbers are double the individual coverage numbers in some years but it isn’t always the case every year. Because the individual coverage limit and the family coverage limit are both rounded to the nearest $50, the family coverage limit can be slightly more or slightly less than double the individual coverage limit when one number rounds up and the other number rounds down.

    Age 55 Catch-Up Contribution

    As in 401k and IRA contributions, you are allowed to contribute extra if you are above a certain age. If you are age 55 or older by the end of the year (not age 50 as in 401k and IRA contributions), you can contribute an additional $1,000 to your HSA. If you are married, and both of you are age 55, each of you can contribute an additional $1,000 to your respective HSA.

    However, because an HSA is in one individual’s name, just like an IRA — there is no joint HSA even when you have family coverage — only the person age 55 or older can contribute the additional $1,000 in his or her own name. If only the husband is 55 or older and the wife contributes the full family contribution limit to the HSA in her name, the husband has to open a separate account in his name for the additional $1,000. If both husband and wife are age 55 or older, they must have two HSA accounts in separate names if they want to contribute the maximum. There’s no way to hit the combined maximum with only one account.

    The $1,000 additional contribution limit is fixed by law. It’s not adjusted for inflation.

    Two Plans Or Mid-Year Changes

    The limits are more complicated if you are married and the two of you are on different health plans. It’s also more complicated when your health insurance changes mid-year. The insurance change could be due to a job change, marriage or divorce, enrolling in Medicare, the birth of a child, and so on.

    For those situations, please read HSA Contribution Limit For Two Plans Or Mid-Year Changes.

    HDHP Qualification

    The IRS also defines what qualifies as an HDHP. For 2025, an HDHP with individual coverage must have at least $1,650 in annual in-network deductible and no more than $8,300 in annual out-of-pocket expenses. For family coverage, the numbers are a minimum of $3,300 in annual deductible and no more than $16,600 in annual out-of-pocket expenses.

    For 2026, an HDHP with individual coverage must have at least $1,700 in annual deductible and no more than $8,500 in annual out-of-pocket expenses. For family coverage, the numbers are a minimum of $3,400 in annual deductible and no more than $17,000 in annual out-of-pocket expenses.

    Please note the deductible number is a minimum while the out-of-pocket number is a maximum. The maximum out-of-pocket limit only applies to the in-network number. If the in-network out-of-pocket limit of your insurance policy is too high, it doesn’t qualify as an HSA-eligible policy.

    In addition, just having the minimum deductible and the maximum out-of-pocket isn’t sufficient to make a plan qualify as HSA eligible. The plan must also meet other criteria. See Not All High Deductible Plans Are HSA Eligible.

    2025 2026
    Individual Coverage
    minimum deductible $1,650 $1,700
    maximum out-of-pocket $8,300 $8,500
    Family Coverage
    minimum deductible $3,300 $3,400
    maximum out-of-pocket $16,600 $17,000
    HDHP Qualification

    Source: IRS Rev. Proc. 2024-25, Rev. Proc. 2025-19.

    Contribute From Payroll

    If you have a High Deductible Health Plan (HDHP) through your employer, your employer may already set up a linked HSA for you at a selected provider. Your employer may be contributing an amount on your behalf there. You save Social Security and Medicare taxes when you contribute to the HSA through payroll. Your employer may be paying the fees for you on that HSA.

    When you contribute to an HSA outside an employer, you claim the tax deduction on your tax return similar to when you contribute to a Traditional IRA. If you use tax software, be sure to answer the questions on HSA contributions. The tax deduction shows up on Form 8889 line 13 and Schedule 1 line 13.

    Non-Dependent Adult Children

    If your HDHP also covers an adult child who’s not claimed as a dependent on your tax return, each non-dependent adult child covered by the plan can also contribute to a separate HSA in their name at the family coverage level when they don’t have other non-HDHP coverage. This is because they meet the eligibility:

    (a) Covered by an HDHP with no other coverage; and
    (b) The HDHP policy they have covers more than one person.

    Each non-dependent adult child can open a separate HSA on their own with an HSA provider.

    Best HSA Providers

    If you get the HSA-eligible high deductible plan through an employer, your employer usually has a designated HSA provider for contributing via payroll deduction. It’s best to use that one because your contributions via payroll deduction are usually exempt from Social Security and Medicare taxes. If you want better investment options, you can transfer or roll over the HSA money from your employer’s designated provider to a provider of your choice afterward. See How To Rollover an HSA On Your Own and Avoid Trustee Transfer Fee.

    If you are not going through an employer, or if you’d like to contribute on your own, you can also open an HSA with a provider of your choice. For the best HSA providers with low fees and good investment options, see The Best HSA Provider for Investing HSA Money.

    Say No To Management Fees

    If you are paying an advisor a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice.

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  • How To Talk To Your Doctor About GLP-1s: A Conversation Guide

    How To Talk To Your Doctor About GLP-1s: A Conversation Guide


    Weight loss has always been a complex topic, physically, emotionally, and socially. But in recent years, it has entered an entirely new chapter. With the rise of GLP-1 medications, such as semaglutide and liraglutide, the narrative has shifted from diets and willpower to hormones and biology. Developed initially for managing type 2 diabetes, these drugs are now gaining widespread attention for their role in aiding weight loss. With several celebrities and influencers attributing their transformations to GLP-1s, the popularity is surging, and so is curiosity.

    This surge in interest has led many to wonder: Is this right for me? And how do I even start the conversation? While the science behind GLP-1s is solid, these medications mimic a hormone that helps regulate blood sugar, appetite, and gastric emptying; one should never decide to start them lightly. They are powerful tools, but they must be part of a larger health strategy, not a shortcut.

    Yet, many people find themselves hesitating at the clinic door. What should they ask? How do they express their health goals without sounding uninformed or overambitious? This article is a step-by-step guide to help you talk confidently and openly with your healthcare provider about GLP-1s. Whether your interest is driven by medical necessity or a long-term struggle with weight, this guide will help you prepare for a productive and informed conversation.

    Understanding the Basics of GLP-1 Medications

    Before you walk into your doctor’s office, it is essential to understand what GLP-1 medications are. GLP-1 stands for glucagon-like peptide-1, a hormone naturally produced in the gut. It plays a crucial role in regulating insulin, slowing gastric emptying, and suppressing appetite. GLP-1 receptor agonists mimic this hormone to create similar effects in the body.

    These drugs were initially approved for type 2 diabetes management but have now received approval for chronic weight management in people with obesity or overweight with associated comorbidities like high blood pressure or cholesterol.

    According to the American Diabetes Association, these medications can help individuals lose about 10% to 20% of their body weight over time. However, the efficacy depends on consistent use, dietary and physical activity habits, and the body’s response to the medication.

    Is GLP-1 Medication Right for You?

    Not everyone is a candidate for GLP-1s. Doctors typically consider a range of factors:

    • Body Mass Index (BMI): If your BMI is 30 or higher (obesity) or 27 with weight-related health issues, you may qualify.
    • Existing Health Conditions: Type 2 diabetes, hypertension, and insulin resistance may make you a stronger candidate.
    • Past Efforts at Weight Loss: If you have tried diet and exercise consistently without lasting results, this may justify medical intervention.

    It is important to view GLP-1 medications as part of a chronic disease management strategy. It should not be a quick fix for short-term goals like fitting into a dress for a wedding.

    Preparing for the Conversation

    Here are a few things to reflect on before visiting your doctor:

    • What are your health goals? Is it about weight loss alone, or are you also aiming for better blood sugar control, cholesterol reduction, or improved energy levels?
    • What has or has not worked for you in the past? Be honest about what you have tried.
    • What are your current lifestyle habits? Include your eating patterns, physical activity, stress levels, and sleep routines.

    Taking notes on these questions can help you frame a well-rounded and thoughtful conversation.

    Key Questions to Ask Your Doctor

    Before embarking on a treatment as significant as GLP-1 medication, it is crucial to have a well-informed discussion with your healthcare provider. Knowing the right questions to ask clarifies your understanding and also ensures you approach this journey with a realistic mindset. These questions are conversation starters and help lay a foundation of trust and transparency between you and your doctor.

    1. Am I a candidate for GLP-1 medication? Based on my BMI and health history, would you recommend a GLP-1 drug?

    Your eligibility will depend on factors such as your BMI, existing health conditions like diabetes or hypertension, and past weight loss efforts. Understanding your candidacy will prevent you from pursuing a treatment that may not offer benefits for your specific needs. Your doctor can help assess whether the risk-benefit ratio favors the use of this medication in your case.

    2. How does this medication work for weight loss and blood sugar regulation?

    GLP-1s work by mimicking a natural hormone that slows down digestion, increases satiety, and enhances insulin secretion. Knowing how the medication functions can help you understand its limitations and why certain lifestyle changes will still be essential. It also helps set expectations. Remember, GLP-1s assist your biology, but they are not substitutes for behavior changes.

    3. What are the possible side effects?

    Like any medication, GLP-1s come with side effects such as nausea, vomiting, and constipation. Understanding these helps you prepare mentally and make informed decisions. Knowing how long side effects typically last and how they are managed can reduce anxiety and encourage you to stay consistent if they occur early in treatment.

    4. How long will I need to be on this medication?

    It is a chronic therapy, much like medications for blood pressure or cholesterol. Asking this upfront sets realistic expectations. If you view this as a short-term fix, you might be disappointed when the weight rebounds after stopping. Knowing the timeline helps you commit to the process with the long term in mind.

    5. How soon can I expect results?

    Initial results may not be immediate, especially because most patients start at lower doses to mitigate side effects. Understanding this timeline helps manage your expectations and prevents premature decisions to stop the medication. Weight loss generally becomes noticeable after a few months.

    6. Will this medication interact with my current prescriptions?

    Drug interactions can compromise safety or reduce efficacy. GLP-1s can alter how quickly the body absorbs other medications due to their effect on gastric emptying. A thorough review ensures that your overall treatment remains balanced and safe.

    7. Will my insurance cover this?

    These medications can be expensive. Knowing whether your insurance will cover the cost helps you plan better and may influence the choice of drug. If insurance does not cover it, you can also explore structured health programs that offer integrated support.

    8. Do I still need to follow a diet and exercise plan?

    Yes, absolutely. GLP-1s can curb appetite and improve insulin sensitivity, but they are most effective when combined with a healthy lifestyle. Diet and exercise amplify the benefits and also contribute to better cardiovascular and metabolic health overall.

    How to Express Your Health Goals Clearly

    Be specific with your doctor. For example:

    • Instead of saying, “I want to lose weight,” say, “I have been trying to lose weight for two years through regular workouts and mindful eating, but my progress has stalled.”
    • Mention your motivation. It can be managing prediabetes, being more active with your kids, and reducing joint pain.

    Doctors appreciate patients who are proactive and informed. It shows your commitment and makes the consultation more collaborative.

    Common Misconceptions to Avoid

    With all the buzz around GLP-1s, it is easy to fall for misconceptions or half-truths. But these can hinder your progress or create unrealistic expectations. Clarifying these myths before starting the medication can help you approach the treatment more thoughtfully and successfully.

    1. “I can stop taking this once I lose weight.”

    GLP-1s manage a chronic condition. Just like people with hypertension continue medication to maintain blood pressure, stopping GLP-1s often leads to weight regain. The medication helps create a biological environment for weight loss, but discontinuing it without alternative strategies usually reverses the progress.

    2. “I will not need to exercise or change my diet.”

    GLP-1s can reduce appetite, but they do not provide nutrition or build strength. Lifestyle changes help maintain muscle mass, support heart health, and improve mood. Without these, your progress may stall or become difficult to sustain. Exercise and diet also help your body make better use of the medication.

    3. “I need to reach my high school weight again.”

    Setting unattainable goals based on past weights is often counterproductive. Your current body composition, age, and health status matter more. Research shows that even modest weight loss of 5% to 10% improves blood pressure, blood sugar, and cholesterol. Focusing on health outcomes (not just the scale) is more sustainable.

    4. “If I do not see results in a month, it is not working.”

    GLP-1 medications often require gradual dose increases over several weeks. It reduces the risk of side effects but also delays visible weight loss. Patience during this phase is key. Real progress typically appears after two to three months when the dosage reaches a therapeutic level.

    What if You Are Not a Candidate?

    Even if your doctor advises against GLP-1s for now, it is not the end of your options. Consider:

    • Structured lifestyle programs
    • Nutrition counselling
    • Cognitive-behavioral therapy (CBT) for emotional eating
    • Other medications or future reassessments

    The goal should always be long-term metabolic health, not rapid weight loss.

    The Importance of Ongoing Monitoring

    Starting GLP-1 therapy is not a one-time decision. It requires regular follow-ups:

    • To monitor side effects
    • To adjust dosages
    • To reassess goals and expectations

    You should feel comfortable checking in with your doctor or coach regularly to adapt your plan as your body changes.

    GLP-1 Alone is Not Enough: Why Support Matters

    GLP-1 medications are effective, but not magical. Their benefits are magnified when paired with expert coaching, personalized nutrition, and exercise plans. A recent study published in The New England Journal of Medicine found that GLP-1 users who participated in a structured weight management program lost significantly more weight than those who relied on the medication alone.

    That is where integrative programs like HealthifyMe’s GLP-1 + Healthify Coach plan come in. They combine medical therapy with a support system that helps you stay consistent, overcome plateaus, and make lifestyle changes sustainable.

    HealthifyMe Note

    As a Health Coach who has worked with hundreds of individuals navigating their weight and health journeys, I can confidently say that asking the right questions often leads to the right outcomes. GLP-1 medications are potent tools, but like any tool, they need skilled handling. Relying solely on the medication without understanding your body, your triggers, and your relationship with food will never give you the results you truly seek. Combine science with self-awareness. Focus not just on losing pounds but on gaining a healthier mindset. Take your time, ask your doctor the right questions, and always choose a path that aligns with both your biology and your lifestyle.

    The Final Word

    Talking to your doctor about GLP-1s does not have to be intimidating. In fact, it could be the most empowering step you take toward better health. With the right preparation and clarity of goals, your healthcare provider can guide you to an informed decision that respects your body’s needs and your long-term vision.

    Remember, medications are one part of the puzzle. When paired with mindful eating, consistent activity, and regular check-ins with health professionals, GLP-1s can become part of a holistic strategy to lose weight and stay healthy. That is where HealthifyMe’s GLP-1 + Healthify Coach plan becomes a game-changer. It is more than medication; it is a complete health partnership designed for lasting success.

    Frequently Asked Questions (FAQs)

    Q: What is the right time to talk to my doctor about GLP-1s?

    A: If you have tried diet and exercise without sustainable success or have health conditions like type 2 diabetes or high blood pressure related to your weight, now is a good time to initiate the conversation.

    Q: What if my doctor is not familiar with GLP-1s for weight loss?

    A: If your primary care provider is not trained in obesity medicine, consider asking for a referral to an endocrinologist or obesity specialist who has experience prescribing these medications.

    Q: Can I stop taking GLP-1s after I lose weight?

    A: GLP-1 medications are meant for long-term use. Stopping them may result in weight regain, just like stopping blood pressure medicines could raise your pressure again.

    Q: Are there side effects I should be worried about?

    A: Common side effects include nausea, constipation, and bloating. Serious effects like pancreatitis are rare but possible. Your doctor will help you assess risk based on your health profile.

    Q: Do I still need to diet and exercise if I am on a GLP-1?

    A: Yes. Medication alone does not lead to lasting success. Sustainable results come from combining medication with healthy eating habits and physical activity.

    Q: What if my insurance does not cover GLP-1 medication?

    A: Many Indian insurance providers may not cover weight-loss prescriptions. You can ask your doctor for alternatives or look into HealthifyMe’s GLP-1 + Healthify Coach plan for integrated support that may be more cost-effective overall.

    Research Sources

    1. FDA Approves New Drug Treatment for Chronic Weight Management, First Since 2014

    2. Obesity and Overweight

    3. Impact of GLP-1 Drugs on Consumer Eating Habits and Food Industry Trends

    4. Continued Treatment With Tirzepatide for Maintenance of Weight Reduction in Adults With Obesity

    5. A New Use for Wegovy Opens the Door to Medicare Coverage for Millions of People with Obesity

  • What Clay Knows That You Don’t [+ Video]

    What Clay Knows That You Don’t [+ Video]


    Your marketing strategy may be stuck in 2025.

    (more…)

  • Israel and UN clash over aid to Gaza

    Israel and UN clash over aid to Gaza


    Displaced Palestinians ferry bags of food aid after storming a World Food Programme warehouse in Deir el-Balah in the central Gaza Strip on May 28, 2025. The United Nations on May 28 condemned a US-backed aid system in Gaza following a chaotic food distribution where 47 people were injured, after Israel allowed supplies in at a trickle last week, easing a full blockade imposed on the besieged Palestinian territory for over two months. (Photo by Eyad BABA / AFP)

    Displaced Palestinians ferry bags of food aid after storming a World Food Program warehouse in Deir el-Balah in the central Gaza Strip on May 28, 2025. The United Nations on May 28 condemned a United States-backed aid system in Gaza following a chaotic food distribution where 47 people were injured, after Israel allowed supplies in at a trickle last week, easing a full blockade imposed on the besieged Palestinian territory for over two months. — Photo by Agence France-Presse

    Israel accused the United Nations Wednesday of seeking to “block” Gaza aid distribution, as the global body said it was doing its utmost to gather the limited assistance greenlighted by Israel’s authorities.

    The humanitarian situation in Gaza, where Israel has imposed a two-month aid blockade, is dire, with food security experts saying starvation is looming for one in five people.

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    “While the UN spreads panic and makes declarations detached from reality, the state of Israel is steadily facilitating the entry of aid into Gaza,” Israel’s United Nations Ambassador Danny Danon told the Security Council.

    He said the assistance was entering by trucks — under limited authorization by Israel at the Kerem Shalom crossing since last week following the blockade — and via a “new distribution mechanism developed in coordination with the US and key international partners.”

    Danon was referring to the Gaza Humanitarian Foundation (GHF), a private, US-backed aid group that has established its own distribution system, one the United Nations considers contrary to its humanitarian principles.

    READ: Marcos urges warring parties in Gaza Strip to protect civilians

    A chaotic distribution of aid at a GHF center Tuesday left 47 people wounded.

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    Israel’s ambassador blamed Hamas for the tumult, saying the Palestinian group set up roadblocks and checkpoints to block access to the distribution center.

    He accused the UN of “trying to block” the aid.

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    The United Nations “is using threats, intimidation and retaliation against NGOs that choose to participate in the new humanitarian mechanism,” Danon added.

    ‘Will not participate’

    Danon specifically accused the United Nations of having removed these nongovernmental organizations from a database listing groups working in Gaza, an accusation rejected by the UN.

    “There are no differences between the current list and the one from before the launch of the GHF,” Stephane Dujarric, spokesman for UN Secretary-General Antonio Guterres, told AFP.

    But the UN reiterated its opposition to coordinating with GHF.

    “We will not participate in operations that do not meet our humanitarian principles,” insisted Dujarric.

    He also said the UN was doing all it could to gather the aid arriving through Kerem Shalom.

    Since last week 800 truckloads were approved by Israel but fewer than 500 made it into Gaza, according to Dujarric.

    “We and our partners could collect just over 200 of them, limited by insecurity and restricted access,” he said.

    “If we’re not able to pick up those goods, I can tell you one thing, it is not for lack of trying.”

    Danon had said “more than 400 trucks” full of aid were already on the Gaza side of the crossing and that Israel had provided “safe routes” for the distribution.

    “But the UN did not show up,” the Israeli envoy said. “Put your ego aside, pick up the aid and do your job.”

    Israeli military operations in Gaza have killed at least 54,804 people, mostly civilians, according to the health ministry there. The UN considers the figures reliable.

    The punishing offensive has reduced much of the Palestinian territory to rubble — including hospitals, schools and other basic infrastructure — and resulted in the displacement of almost all of its roughly two million people.



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    Israel launched its operations in response to the October 7, 2023, attack by Hamas, which killed 1,218 people, according to an AFP tally based on official figures. /das



  • A Costly and Dangerous Threat for Fleets

    A Costly and Dangerous Threat for Fleets


    This post is part of a series sponsored by IAT Insurance Group.

    Motor vehicle crashes cost employers $60 billion annually — some of which are not actually “accidents.”

    Staged auto accidents — in which fraudulent actors deliberately orchestrate collisions with commercial vehicles to earn the claims payout — are a significant and growing concern for the commercial transportation industry. These scams are not only costly for fleet carriers but also dangerous for everyone on the road. Fraudulent claims from staged accidents can lead to increased insurance premiums, legal battles and damage to a company’s reputation.

    Organized crime rings often orchestrate these scams, targeting commercial trucks due to their high insurance claim payouts. They typically involve multiple participants, including fake witnesses, corrupt medical providers and unethical attorneys who inflate injury claims.

    Understanding the common types of staged accidents is crucial for fleet carriers and truck drivers to protect themselves.

    Common types of staged auto accidents

    Here are five common staged accidents carriers need to be aware of:

    • The swoop and squat – A vehicle quickly cuts in front of a truck and suddenly slams on the brakes, causing a rear-end collision. The scammer then claims severe injuries, leading to hefty insurance payouts.
    • The drive down – In this scenario, a fraudster waves a truck forward in a merging or parking lot situation and then intentionally collides with the truck, later denying they ever signaled.
    • The panic stop – Bad actors fill a vehicle with passengers, pull in front of a truck, and abruptly brake. The passengers all file exaggerated injury claims, increasing the cost of the fraudulent claim.
    • The sideswipe – Scammers take advantage of lane changes or tight spaces in intersections, ensuring a truck brushes against them. They later exaggerate damages and injuries.
    • The fake witness setup – A witness suddenly appears, claiming to have seen the accident and placing the blame on the truck driver. Often, these witnesses are accomplices in the scam.

    How fleet carriers can protect themselves

    Staged accidents can cause severe financial and operational disruptions for fleet carriers. Recognizing red flags and taking the following proactive measures is essential to mitigating risks.

    1. Install cameras

    Dash cameras and other recording devices provide irrefutable evidence of what actually happened in an accident. Some scammers will deliberately reverse into a truck (sometimes called a “swoop and squat”) to make it appear that the truck rear-ended them. Without a camera, proving innocence is difficult. Cameras expose these frauds by showing the sequence of events clearly. In most cases, video footage makes it obvious who was at fault, stopping fraudulent claims before they start.

    2. Train drivers to spot the signs

    Driver awareness is crucial in preventing staged accidents. Educating drivers about common scam tactics enables them to recognize red flags before an accident occurs. Some warning signs include:

    • Erratic or suspicious driving behavior
    • A vehicle with multiple passengers appearing ready to claim injuries
    • A bystander who conveniently appears to “witness” the accident and sides with the other driver
    • Situations where a truck gets deliberately wedged in, making movement difficult

    Encourage drivers to trust their instincts. If something feels off, it likely is. Training programs should include real-life case studies and defensive driving techniques to help drivers mitigate risks.

    3. Collect data at the scene

    One of the hardest things for drivers to do after an accident is to remain calm and document everything. However, collecting data at the scene can make all the difference in disproving fraudulent claims. Key steps include:

    • Taking multiple photos of the scene, vehicles, license plates and surrounding conditions
    • Noting any suspicious behavior from the other driver or witnesses
    • Gathering witness statements from unbiased third parties
    • Documenting injuries (or lack thereof) with timestamped photos
    • Recording personal observations and details while they’re fresh

    4. Work with law enforcement

    If a driver suspects fraud, they should immediately notify the responding officer. Showing dashcam footage on-site can be a game-changer, as it provides indisputable evidence that can prevent false claims. Officers who recognize fraud can document it properly, strengthening the defense against a scam.

    5. Communicate with your insurance company

    Quick and clear communication with your insurance company is crucial. Fleet managers should provide all available evidence, including:

    • Dashcam footage
    • Driver statements
    • Witness information
    • Police reports

    The sooner insurance companies receive this information, the faster they can begin investigating potential fraud, reducing claim costs and exposure to liability.

    6. Document even minor incidents

    Not every staged accident involves major damage. Sometimes scammers stage minor accidents, only to later claim severe injuries. A common scenario involves a minor rear-end collision where the other driver appears uninjured but later files a lawsuit claiming chronic back pain. The statute of limitations in many states is two years, meaning fraudulent claims can emerge long after the accident. Documenting even the smallest incidents ensures fleet carriers are prepared to counter false claims when they arise.

    7. Follow proper accident reporting protocols

    Fleet carriers must have a standardized accident reporting protocol that drivers follow after every incident. Best practices include:

    • Reporting all accidents immediately
    • Documenting everything thoroughly
    • Notifying insurance and legal teams about potential fraud
    • Retaining records and reports for the long term

    If fraud is suspected, alerting insurance companies and investigators early allows for a more thorough investigation, potentially stopping fraudulent claims before they gain traction.

    Awareness and defense driving

    By leveraging technology, training drivers to recognize scams and maintaining thorough documentation, fleet operators can protect themselves against costly schemes. By staying vigilant and proactive, carriers will safeguard their business from the growing threat of staged accidents.

    ASK A LOSS CONTROL REPRESENTATIVE

    Have a question on how to mitigate risk? Email losscontroldirect@iatinsurance.com for a chance to see your question answered in a future blog.

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  • Green Investment Funds for Sustainable Growth

    Green Investment Funds for Sustainable Growth


    When we think about investing, we usually focus on things like returns, company performance, valuation, past track records, or the reputation of the asset management company. But today, as we witness the growing environmental degradation and climate change, there’s a shift in the mindset of many investors.

    More and more individuals are beginning to care just as much about how a company operates as they do about how much it earns, by assessing how companies treat the environment, their employees, and society in general. 

    That’s why investors are considering investing in green funds, or as they are more commonly known here, ESG funds, as part of their financial planning. These funds are considered a kind of green investment as they focus on companies that act responsibly and follow sustainable business practices.

    What Is a Green Fund?

    When we talk about green funds, we’re talking about mutual funds that invest primarily in shares of companies that practise environmentally sustainable, socially responsible, and ethically governed business models, such as those involved in renewable energy, electric cars, clean tech, waste management, or companies with strong ESG (Environmental, Social, Governance) ratings. 

    The term is not commonly used in India, as here such funds are referred to as ESG funds.When fund managers select the stocks to invest in, they assess how companies handle:

    • The environmental impact of their operations: This includes evaluating factors like their carbon emissions, waste management systems, water conservation, pollution control, and energy efficiency. The higher the company scores in these aspects, the more ‘green’ they are considered. For example, a company manufacturing solar cells and wind turbines would score highly on environmental criteria as they help generate renewable energy. Similarly, a business focusing on electric cars will also be looked at favourably by fund managers.
    • Their social responsibility: Fund managers score companies on the basis of how they treat their employees, support community welfare, and promote education and healthcare. Other factors like gender equality, labour rights, fair wages, and safe working environments are also closely considered.
    • Governance standards: This part involves analysing the qualitative aspects of a company, like its leadership structure, how compliant it is with regulations, its transparency in financial reporting, ethical conduct, and how well it protects its shareholders.

    How Do Green Funds Work?

    Green funds work the same way as any other mutual fund. They are a pooled investment where a professional fund manager invests the corpus in a diversified basket of securities. What sets green funds apart is the way in which this portfolio is selected. Instead of just looking at financial metrics, managers assess companies on the basis of ESG scores. 

    While there is no set standard for ESG scoring, the general idea is to prioritise companies that align with the many ESG parameters. For individuals, investing in these funds also works the same as other mutual funds. You can buy units with a lump sum or through an sip investment plan if you want to take the regular contribution approach.

    Purpose and Objectives of Green Fund

    The main goal of a green fund investment is to deliver strong returns by investing in companies that score well on ESG parameters. Since these equity-oriented funds are actively managed, managers aim to outperform benchmarks like the Nifty 100 ESG Index. These are long-term vehicles which not only offer environmentally-conscious individuals the opportunity to invest in a diversified portfolio but are also well-positioned to benefit from the growing awareness around environmental sustainability and ethical business practices. 

    As more people and companies recognise the importance of environmental protection and honest governance, businesses that align with ESG principles will likely gain a competitive edge.

    Since equity means ownership, the more socially aware investors these days try to prioritise and support companies that align with their values. If you too want to create long-term wealth but wish to do so by investing in ESG-responsible companies, consider consulting with a mutual fund investment planner first. They can help you identify the right green investment that matches your financial goals and values.

    Types of Green Funds

    The main type of green investment funds available in India today are the ESG funds. These funds gained significant popularity during the COVID-19 pandemic, so they are still an emerging category. Other than these, several thematic funds focus on specific sustainability-related sectors, like renewable energy and natural resources. 

    Thematic funds are considered very risky due to their sector concentration. As the name suggests, they focus on a narrow theme, which means their performance is highly dependent on the success of that particular industry. For example, a renewable energy fund can sometimes see peaks but can also face steep declines if the sector underperforms. A financial planner can assess your risk tolerance to help you understand whether or not such funds align with your financial goals and investment horizon.

    Key Components of Green Funds

    Fund managers assess companies based on their ESG scores to ensure they are making a genuine green investment. This ESG assessment forms the core of the fund’s selection process and helps align the portfolio with the values of its socially and environmentally conscious investors. Components include:

    Environmental Responsibility

    • Funds evaluate how companies treat the environment by looking at factors such as:
    • How companies use and conserve water
    • Their efforts to control pollution
    • Waste management practices
    • Company’s impact on climate
    • Carbon emissions
    • Their use of renewable resources
    • Whether the company makes energy-efficient choices

    Social Impact

    • This refers to how a company treats its employees and how responsible they are towards society as a whole. Includes factors like:
    • Gender diversity and equal pay
    • Labour rights
    • Employees welfare
    • Contributions towards public healthcare and education
    • Impact of business on the local communities

    Governance Practices

    Fund managers evaluate the following factors to ensure the company they’re investing in has ethical governance:

    • Board structure and compensation
    • Transparency in disclosing profits and income statements
    • How they treat their shareholders
    • History of corruption in the organisation
    • A company’s political contributions

    ESG Ratings

    Funds assess ESG scores made by independent agencies to ensure the companies they select score well on ESG compliance. As stated previously, there is no clear definition of ESG, so different agencies, like Morningstar, MSCI, and Sustainalytics have different ESG scoring criteria. A qualified investment planner can help you understand how these components work together to form a green portfolio.

    Benefits of Green Funds

    By investing in green funds one can reap many benefits:

    • Diversification and professional management: A green fund invests in an expertly selected basket of stocks to lower risk. Some green funds, like thematic funds revolving around green energy, can be very risky as their diversification is only spread across a handful of industries.
    • Long-term investment: Most green funds are equity-oriented and thus perform better over the long term. Also, ESG companies keep up with sustainability trends, so they are expected to grow as awareness around ESG factors increases. For example, an electric car company can potentially benefit greatly as governments push for cleaner transportation and consumers shift towards eco-friendly vehicles. That’s why a retirement planner might recommend green funds to clients with a long investment horizon.
    • Moral satisfaction: By investing in a green fund, you are investing in companies that align with your personal values. Just knowing that your money is invested in forward-thinking and sustainable companies can bring satisfaction along with returns.
    • SIP option: Like other mutual funds, green funds allow you to make fixed and regular contributions through SIPs. This option offers many advantages like building financial discipline, affordability, convenience and flexibility, and rupee cost averaging.
    • Tax benefits: Equity-oriented funds are more favourably taxed compared to debt-oriented funds. A tax consultant can help you understand the capital gains tax implications of your investments and advise you on how you can keep more of your hard-earned money through personalised strategies.

    Challenges and Barriers to Green Funds

    Now that we’ve discussed the advantages, it’s only fair to understand the challenges green funds face:

    • Limited universe: One of the main challenges is the relatively small pool of companies that meet ESG standards, which limits the number of stocks fund managers can choose from when building a diversified portfolio.
    • Lack of definition: What a green or ESG fund is, is not clearly defined by regulatory bodies. ESG scores also vary across independent agencies which makes it hard for funds to find companies that are ESG-compliant. Some ESG funds also invest heavily in companies that make substantial profits from tobacco, cigarettes, and fossil fuels. 
    • Inadequate historical data: ESG funds are relatively new in India, so the availability of long-term performance data is limited. This lack of information makes it hard for investors to assess consistency and whether these funds are capable of providing better risk-adjusted returns in the future.
    • Higher risk: Since most green funds are equity-oriented and generally concentrated in select sectors like clean energy, banking, or technology, they carry higher risk.
    • Greenwashing: When companies exaggerate or even falsely claim their practices are sustainable and environment-friendly, they are said to be engaging in greenwashing. Some companies use manipulative marketing or selective reporting to come across as more responsible than they actually are, which is a problem for funds and investors alike.

    Creating and Managing a Green Fund

    If you’re looking to make a green fund investment, ESG funds are your best option at the moment, followed by high-risk green energy thematic funds. While the number of such funds is still limited, rising awareness around sustainability can maybe drive both demand and long-term value in the future. 

    Before you invest, consider several factors such as the fund manager’s track record, fund history, the asset management company’s reputation, the fund’s AUM, risk-adjusted returns, alpha, and beta.

    You should also review the fund’s holdings to make sure its investments truly reflect your values and that the fund isn’t investing in companies that are greenwashing. As always, make sure the fund’s philosophy matches your own, and that your investment aligns with your goals and tolerance for risk.

    Conclusion

    ESG and green investment funds are a relatively new category of funds in India. They are designed to combine financial growth with environmentally sustainable and ethical business practices. Every day, more and more investors become conscious of the impact their money can make, so these funds give them a viable route to align their personal values with long-term wealth creation. 

    While these funds face many challenges, increasing regulatory focus and growing awareness around issues such as climate change can help strengthen them in the future. Several factors should be assessed before investing in mutual funds. Get personalized investing advice by giving our experts a call today!



  • Reliability of Wrist Heart Rate Monitors – BionicOldGuy

    Reliability of Wrist Heart Rate Monitors – BionicOldGuy


    https://www.cyclingnews.com/features/wrist-vs-chest-strap-heart-rate-monitor-which-is-better-for-you/ This article has a good discussion of accuracy ot wrist (also called optical) measurements. They even mention that freckles can throw off the results. Guess what! I have freckles on my wrist.

    Devices that monitor our heart rates based on a measurement at the wrist are pretty prevalent nowadays, including Fitbit, Garmin watches, and Apple Watches. There are also devices that promise more sophisticated results such as heart rate variability from Whoop. These devices then tell us insightful things about our recent workouts or our activity throughout the day, how long we should recover before our next hard workout, and even how well we are sleeping.

    The trouble is that the accuracy of the data all this information is based on is suspect. I first noticed this back when I had a Fitbit. It would often read higher than I suspected was correct, based on how hard I felt I was working. The same is now true of my Garmin watch. I can be just warming up, and it will tell me my heart rate is in the 130’s, which I know can’t be true because I’d really be huffing and puffing. I recently put it to a test. I happen to also have a Polar H10 heart rate strap. And a separate device (my Garmin bike computer). So on the same ride, I made sure my watch was not paired to the strap, and only had wrist data available for heart rate. My bike computer was paired to the strap so it was a chest-based measurement. In such a comparison, we expect the chest measurement to be more accurate, but I was blown away how much the two differed. The two charts from a three-hour ride are shown below. The max heart rate from the wrist measurement was 41 beats two high, and suspiciously showed up when I was just warming up. There are various other places in the charts where the wrist results are just not right.

    Chest Average Heart rate 80 Max 103
    Wrist Average Heart rate 96 Max 144

    I had been reading up on optimum training techniques based on heart rate, all of which sound quite scientific. But I now know that the data I was basing this on was untrustworthy (I usually just use wrist-based because it’s an extra step to put on the strap). In the future I will make sure I use the strap when I really want to check heart rate. I will also put more trust in how my workout feels (perceived level of exertion).

    Unknown's avatar

    Published by BionicOldGuy

    I am a Mechanical Engineer born in 1953, Ph. D, Stanford, 1980. I have been active in the mechanical CAE field for decades. I also have a lifelong interest in outdoor activities and fitness. I have had both hips replaced and a heart valve replacement due to a genetic condition. This blog chronicles my adventures in staying active despite these bumps in the road.

    Published