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  • Is Your Brand Invisible to AI? The New Rules for B2B Marketing

    Is Your Brand Invisible to AI? The New Rules for B2B Marketing


    AI is no longer just helping B2B buyers; it’s making decisions for them.

    (more…)

  • AI-Driven Automation for Faster Case Resolution with Cisco’s High-Performance Data Center Stretch Database

    AI-Driven Automation for Faster Case Resolution with Cisco’s High-Performance Data Center Stretch Database


    Introduction

    As AI adoption accelerates across industries, businesses face an undeniable truth — AI is only as powerful as the data that fuels it. To truly harness AI’s potential, organizations must effectively manage, store, and process high-scale data while ensuring cost efficiency, resilience, performance and operational agility. 

    At Cisco Support Case Management – IT, we confronted this challenge head-on. Our team delivers a centralized IT platform that manages the entire lifecycle of Cisco product and service cases. Our mission is to provide customers with the fastest and most effective case resolution, leveraging best-in-class technologies and AI-driven automation. We achieve this while maintaining a platform that is highly scalable, highly available, and cost-efficient. To deliver the best possible customer experience, we must efficiently store and process massive volumes of growing data. This data fuels and trains our AI models, which power critical automation solutions to deliver faster and more accurate resolutions. Our biggest challenge was striking the right balance between building a highly scalable and reliable database cluster while ensuring cost and operational efficiency. 

    Traditional approaches to high availability often rely on separate clusters per datacenter, leading to significant costs, not just for the initial setup but to maintain and manage the data replication process and high availability. However, AI workloads demand real-time data access, rapid processing, and uninterrupted availability, something legacy architectures struggle to deliver. 

    So, how do you architect a multi-datacenter infrastructure that can persist and process massive data to support AI and data-intensive workloads, all while keeping operational costs low? That’s exactly the challenge our team set out to solve. 

    In this blog, we’ll explore how we built an intelligent, scalable, and AI-ready data infrastructure that enables real-time decision-making, optimizes resource utilization, reduces costs and redefines operational efficiency. 

    Rethinking AI-ready case management at scale

    In today’s AI-driven world, customer support is no longer just about resolving cases, it’s about continuously learning and automating to make resolution faster and better while efficiently handling the cost and operational agility.  

    The same rich dataset that powers case management must also fuel AI models and automation workflows, reducing case resolution time from hours or days to mere minutes, which helps in increased customer satisfaction. 

    This created a fundamental challenge: decoupling the primary database that serves mainstream case management transactional system from an AI-ready, search-friendly database, a necessity for scaling automation without overburdening the core platform. While the idea made perfect sense, it introduced two major concerns: cost and scalability. As AI workloads grow, so does the amount of data. Managing this ever-expanding dataset while ensuring high performance, resilience, and minimal manual intervention during outages required an entirely new approach. 

    Rather than following the traditional model of deploying separate database clusters per data center for high availability, we took a bold step toward building a single stretched database cluster spanning multiple data centers. This architecture not only optimized resource utilization and reduced both initial and maintenance costs but also ensured seamless data availability. 

    By rethinking traditional index database infrastructure models, we redefined AI-powered automation for Cisco case management, paving the way for faster, smarter, and more cost-effective support solutions. 

    How we solved it – The technology foundation

    Building a multi-data center modern index database cluster required a robust technological foundation, capable of handling high-scale data processing, ultra-low latency for faster data replication, and careful design approach to build a fault-tolerance to support high availability without compromising performance, or cost-efficiency. 

    Network Requirements

    A key challenge in stretching an index database cluster across multiple data centers is network performance. Traditional high availability architectures rely on separate clusters per data center, often struggling with data replication, latency, and synchronization bottlenecks. To begin with, we conducted a detailed network assessment across our Cisco data centers focusing on: 

    • Latency and bandwidth requirements – Our AI-powered automation workloads demand real-time data access. We analyzed latency and bandwidth between two separate data centers to determine if a stretched cluster was viable.  
    • Capacity planning – We assessed our expected data growth, AI query patterns, and indexing rates to ensure that the infrastructure could scale efficiently. 
    • Resiliency and failover readiness – The network needed to handle automated failovers, ensuring uninterrupted data availability, even during outages. 

    How Cisco’s high-performance data center paved the way

    Cisco’s high-performance data center networking laid a strong foundation for building the multi-data center stretch single database cluster. The latency and bandwidth provided by Cisco data centers exceeded our expectation to confidently move on to the next step of designing a stretch cluster. Our implementation leveraged:

    • Cisco Application Centric Infrastructure (ACI) – Offered a policy-driven, software-defined network, ensuring optimized routing, low-latency communication, and workload-aware traffic management between data centers.  
    • Cisco Application Policy Infrastructure Controller (APIC) and Nexus 9000 Switches – Enabled high-throughput, resilient, and dynamically scalable interconnectivity, crucial for quick data synchronization across data centers. 

    The Cisco data center and networking technology made this possible. It empowered Cisco IT to take this idea forward and enabled us to build this successful cluster which saves significant costs and provides high operational efficiency.

    Our implementation – The multi-data center stretch cluster leveraging Cisco data center and network power

    With the right network infrastructure in place, we set out to build a highly available, scalable, and AI-optimized database cluster spanning multiple data centers.

     

    Cisco multi-data center stretch Index database cluster

     

    Key design decisions

    • Single logical, multi-data center cluster for real-time AI-driven automation – Instead of maintaining separate clusters per data center which doubles costs, increases maintenance efforts, and demands significant manual intervention, we built a stretched cluster across multiple data centers. This design leverages Cisco’s exceptionally powerful data center network, enabling seamless data synchronization and supporting real-time AI-driven automation with improved efficiency and scalability.  
    • Intelligent data placement and synchronization – We strategically position data nodes across multiple data centers using custom data allocation policies to ensure each data center maintains a unique copy of the data, enhancing high availability and fault tolerance. Additionally, locally attached storage disks on virtual machines enable faster data synchronization, leveraging Cisco’s robust data center capabilities to achieve minimal latency. This approach optimizes both performance and cost-efficiency while ensuring data resilience for AI models and critical workloads. This approach helps in faster AI-driven queries, reducing data retrieval latencies for automation workflows. 
    • Automated failover and high availability – With a single cluster stretched across multiple data centers, failover occurs automatically due to the cluster’s inherent fault tolerance. In the event of virtual machine, node, or data center outages, traffic is seamlessly rerouted to available nodes or data centers with minimal to no human intervention. This is made possible by the robust network capabilities of Cisco’s data centers, enabling data synchronization in less than 5 milliseconds for minimal disruption and maximum uptime. 

    Results

    By implementing these AI-focused optimizations, we ensured that the case management system could power automation at scale, reduce resolution time, and maintain resilience and efficiency. The results were realized quickly.

    • Faster case resolution: Reduced resolution time from hours/days to just minutes by enabling real-time AI-powered automation. 
    • Cost savings: Eliminated redundant clusters, cutting infrastructure costs while improving resource utilization.  
      • Infrastructure cost reduction: 50% savings per quarter by limiting it to one single-stretch cluster, by completing eliminating a separate backup cluster. 
      • License cost reduction: 50% savings per quarter as the licensing is required just for one cluster. 
    • Seamless AI model training and automation workflows: Provided scalable, high-performance indexing for continuous AI learning and automation improvements. 
    • High resilience and minimal downtime: Automated failovers ensured 99.99% availability, even during maintenance or network disruptions. 
    • Future-ready scalability: Designed to handle growing AI workloads, ensuring that as data scales, the infrastructure remains efficient and cost-effective.

    By rethinking traditional high availability strategies and leveraging Cisco’s cutting-edge data center technology, we created a next-gen case management platform—one that’s smarter, faster, and AI-driven.

     

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  • Triple-I Blog | Triple-I Brief Highlights Wildfire Risk Complexity

    Triple-I Blog | Triple-I Brief Highlights Wildfire Risk Complexity


    Triple-I Blog | Triple-I Brief Highlights Wildfire Risk Complexity

    Wildfire risk is strongly conditioned by geographic considerations that vary widely among and within states. The latest Triple-I Issues Brief shows how that fact played out in 2024 and early this year and discusses the importance of granular local data for underwriting and pricing insurance in wildfire-prone areas, as well as for much-needed investment in resilience.

    The 2024 wildfire season in the South and Southwest was particularly severe, marked by such events as the Texas and Oklahoma Panhandle fires in February and March and significant blazes in Arizona and New Mexico. The Southwest accounted for the largest number of residential structures destroyed by wildfire, and three of the top five areas for homes destroyed were in the South. 

    California accounted for the largest number of homes at risk for extreme wildfires. In the first half, the state experienced an above-average number of fires, though most were contained before growing to “major incident” size. Subsequent rains suppressed subsequent wildfire conditions – and caused substantial flooding. 

    But this rain contributed to an accumulation of fuels so that, when hurricane-force Santa Ana winds whipped through Los Angeles County in early January 2025, the conditions were right for fast-moving blazes to tear through Pacific Palisades and Eaton Canyon.

    Temperature, humidity, wind, and topography vary too widely for a single “one size fits all” mitigation approach. This underscores the importance of granular data gathering and scrupulous analysis when underwriting and pricing insurance.  It is also important that insurers proactively engage with diverse stakeholder groups to promote investment in mitigation and resilience.

    recent paper by Triple-I and Guidewire – a provider of software solutions to the insurance industry – uses case studies from three California areas with very different geographic and demographic characteristics to go deeper into how such tools can be used to identify properties with attractive risk properties, despite their location in wildfire-prone areas.

    Learn More:

    Getting Granular to Find Lower-Risk Properties Amid Wildfire Perils

    P&C Insurance Achieves Best Results Since 2013; Wildfire Losses, Tariffs Threaten 2025 Prospects

    Despite Progress, California Insurance Market Faces Headwinds

    California Finalizes Updated Modeling Rules, Clarifies Applicability Beyond Wildfire

    California Insurance Market at a Critical Juncture

  • Can You Gift Mutual Funds in India? Rules | Taxation

    Can You Gift Mutual Funds in India? Rules | Taxation


    Can you gift mutual funds in India? Discover the legal ways, tax rules, and the best method to gift mutual fund units to your family or friends with ease.

    In Indian families, gifting is often a heartfelt tradition. But today, beyond gold or gadgets, people are also looking to gift financial assets, like mutual funds, to their loved ones. A natural question arises—can mutual funds be gifted in India, and if so, what’s the proper way to do it?

    Let’s walk through the legal, procedural, and tax-related aspects of gifting mutual funds, based on guidelines from AMFI, SEBI, and IT Department rules and regulations.

    Can You Gift Mutual Funds in India?

    Gift Mutual Funds in India

    Yes—but not as freely as you might think. Mutual fund units are not like jewellery or cash, which you can hand over easily. The transfer of mutual fund ownership is regulated, and depends on how the units are held—demat or physical.

    As per SEBI and AMFI, mutual fund units:
    – Can be transferred as a gift only if held in demat form, via off-market transactions.
    – Cannot be transferred if held in non-demat (physical) form—except on death (i.e., transmission).
    – Cannot be transferred just by executing a Gift Deed.

    1. Best Option: Invest Directly in Recipient’s Name
    The simplest way to “gift” mutual funds is by investing directly in the name of your family member.

    Example:
    You want to gift your daughter a mutual fund. Instead of buying it in your name and trying to transfer it later, you:
    – Use her PAN, KYC, and bank details.
    – Invest directly into a mutual fund in her name.

    For minor children, the investment will be made under their name, with a guardian (parent) managing the account until the child turns 18.

    The cleanest approach is to directly invest in your child’s name. However, be aware that once your child turns 18, they gain full control over the investments, as it becomes their money. This means you’ll have no authority over the funds once they reach adulthood. So, it’s important to exercise caution, as their future decisions might not align with your expectations.

    According to the clubbing provisions, if you withdraw the investment before your child turns 18, the gains will be taxed under your income, as the investment is still considered part of your financial assets. In the case of gifting mutual funds to a spouse, if the funds come from your earnings, the income generated from the mutual fund will be taxed under your income, not your spouse’s. This is because the source of the income matters for tax purposes.

    2. Gifting via Demat Transfer (Off-Market)
    If you hold mutual fund units in demat form, and your recipient also has a demat account, you can transfer them via an off-market gift transaction.

    Steps:
    1. Ensure both donor and recipient have demat accounts (CDSL or NSDL).
    2. Submit a Delivery Instruction Slip (DIS) to your Depository Participant.
    3. Specify the recipient’s demat details and indicate it’s a gift.

    This is the only SEBI-approved method for gifting existing units. Here’s a simple example of an off-market transaction:

    Imagine you want to gift some mutual fund units to your brother, who has a demat account. Here’s how an off-market transaction would work:

    1. Step 1: You have mutual fund units in your demat account, and your brother also has a demat account.
    2. Step 2: You fill out a Delivery Instruction Slip (DIS), which is like an instruction to transfer the units from your demat account to your brother’s demat account. You’ll mention the mutual fund units and his demat account details.
    3. Step 3: You submit the DIS to your Depository Participant (DP), which is the financial institution managing your demat account.
    4. Step 4: The transfer happens off-market, meaning it’s a private transfer between two parties and does not happen through the stock exchange.
    5. Step 5: Your brother now owns the mutual fund units in his demat account, and the transfer is complete.

    This is an off-market transaction because the transfer occurs directly between you and your brother, outside of the stock exchange, with the help of a DIS form.

    3. Why a Gift Deed Alone Won’t Work

    A Gift Deed, though legally valid for movable property, does not serve as a tool to transfer mutual fund units. Mutual funds in physical form are non-transferable, and AMCs or RTAs do not accept gift deeds for ownership change.

    You may use a gift deed as a supporting document when doing an off-market transfer via demat, but on its own, it’s not effective.

    4. Use a Will for Post-Death Transfer (Transmission)

    If your intention is to pass on mutual funds after your death, then a Will is the correct instrument.

    Transmission Process:
    – Units are transferred to nominee or legal heir after submission of required documents (death certificate, KYC, Will copy, etc.).
    – If there’s no nomination, transmission is more complex and may require legal heir certificates or probate.

    A nomination ensures quicker access, while a Will provides legal clarity on inheritance.

    Do note that nominees by default will not be considered as asset owners. They act like trustees to transfer the assets to the legal heirs.

    5. Can You Gift via Online Platforms?

    Some fintech platforms like Kuvera or Zerodha Coin allow you to gift mutual funds where:
    – You choose a scheme.
    – Pay from your bank account.
    – The recipient receives a link to accept the gift and complete their KYC.

    Units are then directly allotted to the recipient, just like a fresh purchase.

    Convenient, but not a “transfer”—it’s a new investment on behalf of someone else.

    Income Tax Implications of Gifting Mutual Funds

    Here’s where things become critical—especially if you’re gifting to spouse or minor children.

    1. Gift Tax – Section 56(2)(x)
    – Gifts from relatives (as defined under the Income Tax Act) are fully tax-exempt, regardless of amount.
    – Gifts from non-relatives exceeding Rs.50,000 in a year are taxable in the recipient’s hands as “Income from Other Sources”. Who are considered relatives?
    – Spouse, parents, children, siblings, lineal ascendants/descendants, etc.

    So, if you gift to your spouse or child, there is no gift tax. Refer my earlier post on this “Income Tax on Gift in India – Rules and tips to save tax“.

    2. Capital Gains Tax – Who Pays and When?
    When the recipient sells the mutual fund units later, capital gains tax will apply. The cost and holding period of the donor (you) will be considered for tax calculation.

    Example:
    – You bought a mutual fund in 2020, gifted it to your spouse in 2024.
    – They sell it in 2026.
    – For tax purposes, the investment is considered from 2020, and capital gains will be long-term or short-term accordingly.

    3. Clubbing of Income – Section 64
    This is extremely important and often overlooked.

    If you gift mutual funds to:
    – Your spouse, or
    – Your minor child (not a disabled child),

    Then any income or capital gains generated from that investment is clubbed with your income.

    You gift Rs.1 lakh in mutual funds to your wife. She redeems it later with a gain of Rs.10,000. This Rs.10,000 gain will be taxed in your hands, not hers.

    Exception:
    – Clubbing does not apply if gifted to:
      – Adult children
      – Parents
      – Siblings
      – Disabled minor child
      – Other relatives (as long as not spouse/minor)

    Takeaway: Gifting is tax-free, but income arising from it may come back to you under clubbing provisions. So plan accordingly.

    Summary: Can Mutual Funds Be Gifted?

    Method Allowed? Tax Implications Notes
    Direct Investment in Recipient’s Name Yes May invoke clubbing if spouse/minor Most recommended
    Demat Transfer (Off-Market) Yes Clubbing applies if spouse/minor For existing units in demat
    Gift Deed (Physical Mode) No N/A Not accepted by AMCs
    Will Yes Tax applies after transmission For inheritance only
    Online Platform Gifting Yes Treated as direct investment Easy for beginners

    Final Thoughts

    Mutual fund gifting in India is legally allowed, but comes with conditions:

    • Gift mutual funds through direct investment or demat transfer.
    • Don’t rely on a Gift Deed to change ownership—it won’t work.
    • For legacy planning, always draft a Will and align it with your nominations.
    • Understand clubbing rules before gifting to your spouse or minor children, or you may end up paying tax on their gains.

    As SEBI-registered financial planners, we often advise clients to gift mindfully—not just for tax-saving, but for long-term wealth-building within the family.

    For Unbiased Advice Subscribe To Our Fixed Fee Only Financial Planning Service

  • Ultraboost 5X Running Shoe [review]!

    Ultraboost 5X Running Shoe [review]!


    Ultraboost 5X Running Shoe [review]!

    September 24, 2024 –

    Happy almost Fall, friends! I can’t believe how quickly time flies. As much as I love summer, once I embrace that Fall is closer, I do get excited for cozy weekends, crisp sunny days, soccer season, football season, and getting outside even more since it’s not as hot.

    With my soccer season starting up, I started to get back into some track workouts and running workouts for the season.

    For those that know me, they know I’m not much of a “long distance girlie”. I’m more of a sprint and mid-distance girlie while still using the word distance lightly. 

    Ultraboost 5X Running Shoe [review]!

    After some treadmill and track runs, I quickly found that I was going to need some actual women’s running shoes if I wanted to train efficiently and honestly with comfort and support.

    I did some research and ended up going with the Ultraboost 5X Shoes by adidas and thought I’d give you a review as “what shoes should I buy?” is a one of the top questions I get asked most as a Trainer. Since I’ve been wearing these for a few months now, hopefully my review can help!

    First let’s just talk about the COLOR as I happen to be matchy-matchy with my nails too!

    I usually go for a neutral shoe all day every day but when I saw this color combo and wanted my “running shoes” to feel special that I wore for a specific goal, I couldn’t pass these up.

    The toe of the shoe is spacious enough for all of my toes and doesn’t cause any friction. I like to train 400’s and 200’s on the track, so I strike with the ball of my foot often, and these provide awesome support and bounce for my foot in my sprints.

    The heel of the shoe allows for comfortable ankle support and motion whenever I hit any longer distances.

    I was worried at first that I wouldn’t love the higher flap behind the ankle but it truly didn’t rub on my skin or hit weirdly in any way.

    The PRIMEKNIT upper tongue of the shoe lays smooth on the top of my foot and doesn’t bother me in any way.

    The saddle of the shoe, which is the reinforced area around the instep, provides me with good support without being too tight. 

    I also went with my true to size 8.5 and feel that they are very true to size!

    I recently was at a foot specialist for tendinitis of my left foot and often if any shoe is too narrow or tight, my tendonitis will flare causing pain. These shoes do not flare up my tendonitis which is such a plus for me!

    When it comes to the weight of the shoe, this shoe shocked me on how light it is! I even had a client who wanted to try them on and she loved how light they were.

    I don’t think you can go wrong with an Ultraboost of any kind from adidas but if you’re looking to hit some sprints or distance, I do think this is a great shoe choice that will last you and support your training!

    Next post we’ll be chatting all things “cozy” with my cozy collection top outfit picks so stay tuned on the blog! Did someone say oversized womens hoodies and crewnecks??

    Be true to you,

    Xo Kasey

  • SentinelOne Q1 Earnings: Revenue Beat, EPS In Line, Shares Dive On Soft Guidance – SentinelOne (NYSE:S)

    SentinelOne Q1 Earnings: Revenue Beat, EPS In Line, Shares Dive On Soft Guidance – SentinelOne (NYSE:S)



    SentinelOne Inc S reported financial results for the first quarter after the market close on Wednesday. Here’s a look at the key metrics from the quarter.

    Q1 Earnings: SentinelOne reported first-quarter revenue of $229.03 million, beating the consensus estimate of $228.35 million, according to Benzinga Pro. The cybersecurity company reported first-quarter adjusted earnings of two cents per share, in line with analyst estimates.

    Total revenue increased 23% year-over-year. Annualized recurring revenue (ARR) increased 24% year-over-year to $948.1 million as of April 30. Customers with ARR of $100,000 or more grew 22% to 1,459 in the quarter.

    The company ended the period with $1.2 billion in cash, cash equivalents and investments. SentinelOne’s board also authorized a $200 million share repurchase program.

    “Our top-tier growth and margin improvement reflect continued platform momentum and customer success,” said Tomer Weingarten, CEO of SentinelOne.

    “Our innovation engine is fueling adoption across AI, Data, Cloud and Endpoint. With Singularity, we’re leading a transformational shift toward AI-powered security for the future.”

    Guidance: SentinelOne expects second-quarter revenue of approximately $242 million versus estimates of $244.88 million. The company also lowered its full-year 2026 revenue guidance from $1.007 billion to a range of $996 million to $1.001 billion. Analysts were expecting full-year revenue of $1.01 billion.

    Shares appear to be selling off in reaction to the soft outlook. SentinelOne executives are currently discussing the quarter on a conference call with investors and analysts that kicked off at 4:30 p.m. ET.

    S Price Action: SentinelOne shares were down 11.44% in after-hours, trading at $17.42 at the time of publication Wednesday, according to Benzinga Pro.

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  • CDC team responsible for contraception guidelines is cut : Shots

    CDC team responsible for contraception guidelines is cut : Shots


    The CDC team responsible for aggregating and disseminating best practices around contraception has been cut.

    The CDC team responsible for aggregating and disseminating best practices around contraception has been cut.

    Liudmila Chernetska/iStockphoto/Getty Images


    hide caption

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    Liudmila Chernetska/iStockphoto/Getty Images

    To most people, the eight-person team was indistinguishable from the hundreds of other scientists and researchers cut in April during the mass firings at the Centers for Disease Control and Prevention.

    But for many clinicians who specialize in women’s health, losing the team responsible for the CDC’s contraception guidelines was a devastating blow to women’s health.

    “ I just remember feeling like — of all the things — I think contraception shouldn’t be controversial,” says Dr. Angeline Ti, a family physician in the Atlanta, Georgia area who specializes in reproductive healthcare.

    The team was responsible for aggregating and disseminating best practices around contraception in a set of guidelines called U.S. Medical Eligibility Criteria for Contraceptive Use.

    “I knew that things were gonna happen at CDC, but I thought that these guidelines were so important,” says Ti. She says she uses the guidelines “pretty much every time” she sees a patient for contraceptive care.

    Other doctors describe feeling equally shocked. “I mean, there is no other resource that is doing this,” says Dr. Andrea Braden, an obstetrician in Atlanta, Georgia. “All the OB-GYN’s use it.”

    Representatives from the Department of Health and Human Services and the Trump administration did not explain why the CDC team was cut. It was eliminated in April as part of the reduction of the Women’s Health and Fertility Branch of the Division of Reproductive Health.

    NPR reached out to HHS for comment on this story, but did not receive a response.

     An indispensable app

    Busy doctors who are seeing many patients, says Braden, simply do not have time to comb through all the latest medical research. So, the CDC team made recommendations available in an app that doctors could download and easily reference with questions about contraception, including how to navigate the topic for patients with specific conditions and diseases. It was downloaded 440,000 times, according to the CDC.

    “The app was just a game changer for us,” says Braden. “That was very clearly organized, really easy to digest, and it was such a nice quick reference for us. It was a resource that we all trusted intuitively.”

    The current guidelines are still accessible, while the team charged with updating them no longer exists.

    Doctors caution that even though the recommendations were issued relatively recently, without careful monitoring they will soon be out of date. “ Medicine is not static,” says Dr. Deva Sharma, a hematologist who said the guidelines are a critical part of her medical practice. “It’s constantly evolving and improving.”

    The team issued guidelines most recently in 2024. One example of a change that Braden says had a significant impact on her conversations with her patients is around recommendations for breastfeeding mothers using birth control. The new guidelines for the first time acknowledged that some contraception can jeopardize milk supply in nursing mothers.

    This update, she says, represented a sea change in a way of thinking about the importance of empowering patients to make their own decisions about breastfeeding. “ That was such an important aspect of the update,” says Braden. “It helped us guide our practice, rather than tell people what they need after they have a baby. It really put the patient at the center of the conversation.”

    For some patients and doctors dealing with specific conditions, conversations about contraception can be matters of life or death. Sharma specializes in treating women with Sickle Cell disease — an inherited red blood cell disorder — which puts patients at a much greater risk of life threatening complications in pregnancy than people without the disease.

    Sharma calls the termination of the CDC team “detrimental to women’s health,” and also recalls vividly the moment she found out when a colleague sent her a message. “I remember just feeling overwhelmed and devastated,” says Sharma.

    In the recent guidelines, the CDC team changed recommendations for women with Sickle Cell Disease, which already puts patients at increased risk for blood clots. Doctors who treat this disease say they now rarely prescribe certain forms of contraception to their patients due to new evidence suggesting these kinds of treatments can create an even greater risk.

    Braden says she is still feeling confused as to why such a valuable resource was eliminated. “ I don’t understand,” she says “Why them? Why this sector of medicine? This is a waste.”

    She warns that doctors will not be able to compensate for the medical updates that this guide provides. “ Medicine changes so quickly and it is very difficult to keep up with all of it,” she warns. “New data comes out — new research comes out — and we find out that there’s a better way to do things. Contraceptive medicine is no different from that.”

    Missing treatment options are hard to measure 

    Many patients will not necessarily know about medical updates they do not benefit from, but Teonna Woolford is one patient who does understand the utility of the CDC’s guidelines around contraception.

    Born with Sickle Cell Disease, Woolford started a non-profit, Sickle Cell Reproductive Education Directive, that advocates for patients like herself. Woolford says the disease is often characterized by uncertainty and difficulty in making hard decisions around treatment.

    “Having the guidelines was really like a proactive approach to addressing contraception,” says Woolford. “There are a lot of knowledge and research gaps on this subject.”

    Sickle Cell Disease disproportionately affects people of color, a group that Woolford notes has not historically enjoyed parity in reproductive justice. “The removal of the CDC team to me just reminds me of darker times in our history when people of color were oppressed,” she says.

    Black women in the United States have disproportionately high rates of maternal mortality.

    Dr. Braden sees the team’s elimination as a setback to women everywhere. “It really hurts those of us in women’s health — to target something like contraceptives.” says Braden. “This is basic healthcare for OBGYNs and it was really defeating. I would say I felt angry and sad and confused.”

    She and other doctors point out that many women in the U.S. can no longer legally terminate pregnancy. They say that makes it especially important for them to be able to make an informed choice about the best ways to prevent becoming pregnant in the first place.

    “ Bodily autonomy has been taken away from women in various states,” says Dr. Sharma, who practices in Tennessee — a state with strict abortion laws. “We’ve slashed people’s rights to make decisions,” she says. “Now we’re taking away evidence-based recommendations.”

  • Max Fried has settled in quickly with the Yankees

    Max Fried has settled in quickly with the Yankees


    Last weekend when the AL East-leading New York Yankees (then 30-19) visited Coors Field to play the historically bad Colorado Rockies (then 8-42), a sweep seemed inevitable.

    Reality hit on Friday night when RHP Tanner Gordon led the Rockies to a surprising 3-2 win.

    The next day, however, Max Fried would set things right as he dazzled over 7 ⅓ innings, striking out seven and giving up six hits that would result in only one run. As he told media after the game, his fastball was working, and he used it aggressively to shut down a feeble Rockies offense.

    Fried was also in top defensive form, picking off two base runners at first.

    On Sunday, Fried answered a few questions in the Coors Field Visiting Clubhouse about adjusting to Yankee Stadium, the increased vertical movement of his sinker, and what it would take to get him back in the box.

    (This transcript has been lightly edited for clarity.)

    Renee Dechert: This is your first season with the Yankees. Everything indicates you’ve taken to it pretty well. What kind of adjustments have you had to make for pitching at Yankee Stadium?

    Max Fried: Physically, not too much. I feel like I’m just being myself. I’m not trying to do anything too crazy, realizing it’s the same game, and I just want to be myself and not try to be anything else. But as far as the transition, being around these guys in this clubhouse has made it really easy. They’ve welcomed me in, and it’s been a seamless transition so far.

    RD: When you say “Be yourself,” what do you mean by that?

    MF: Just be the same person and the player that I’ve been in my career. I’m not trying to do more or trying to be more than what I’ve already done.

    RD: So far this season, you seem to be using your sinker more and your curveball less. Can you talk a little bit about that change?

    MF: It’s not anything that’s, I guess, premeditated. It’s just kind of what’s happened. I’ve never gone into a season or a game saying, “I’m going to throw my curveball less,” or “I’m going to throw a certain pitch more.” It’s just when, when you get out there, sometimes, you lean on one over the other.

    RD: Your sinker is showing a significant change in vertical movement. Have you made adjustments to get that?

    MF: Yeah, I’ve made a few adjustments when I came over, and they seem to be working.

    RD: Can you talk a bit about that?

    MF: it’s just more of a grip change. They showed me a grip that was a little bit better for me, and I’ve just been trying to throw it, and it’s been getting some results right now.

    RD: You’ve won three gold gloves. We saw some of your defensive work yesterday, when you picked off two runners. Can you talk a bit about how defense became so much a part of your game and your development in this area?

    MF: I grew up playing positions. I played first base and outfield growing up, and being an athlete, just taking pride in my defense was something that I always really enjoyed. And then when I converted to just being a pitcher, it was my way of trying to still have some athleticism on the field, and also realizing that fielding your position and holding runners and things of that nature is a real benefit, especially to pitching, getting deep into games, and trying to win. So just keeping that emphasis,

    RD: In 2021, you won a Silver Slugger, which suggests you’re pretty good on the other side of the plate.

    Seth Lugo told me last year he feels like he has an advantage over a lot of younger pitchers because of his experience as a hitter. Have you had a similar experience?

    MF: I would definitely say it gives you perspective. When you’re standing in the box and you’re facing a major-league pitcher and you’re seeing what it looks like from that end, it just gives you perspective on how hard it is actually. So that’s the one thing that I do miss, is being able to step in the box and see what it looks like to give you that reassurance that what you’re doing on the mound is really hard to do and really hard to hit.

    RD: Do you think there’s ever a chance you’ll get to hit again. I know Germán Márquez misses it a lot.

    MF: Maybe if there’s a certain situation where we burn every bench guy and we get into a lot of extra innings and something crazy happens, but I’m not expecting it, but if it ever happens, I’ll be ready.

    RD: You went to high school with Jack Flaherty and Lucas Giolito. Did you keep up with those guys?

    MF: Yeah, absolutely. We can keep in touch all the time. I follow every one of their starts. I make sure when, when they’re pitching, I check the box score and send the messages and stuff like that.

    RD: What’s it been like, watching the three of you evolve in the way that you have?

    MF: It’s really cool. You realize that it’s rare, and something that not a lot of people kind of have, but we try to make the most of it, or at least just support each other. You know, it’s a hard game, and it’s hard to do it, so just to give our friends support. It’s important.

    RD: Last one from me. What’s the best pitch you’ve shown so far this season?

    MF: Wow. Best pitch I’ve thrown this season [long pause]. I don’t know if I have a single pitch, not one that stands out to me the way it was like, “That was the one.”

    RD: Can you think of one?

    MF: There’s one in the past. It was the first glove-side two seamer that I had thrown, and I had struck out Starling Marte.

    RD: Can you take me through it?

    MF: I want to say was 2023? I threw it, and it was the first time that I had gotten it called, and I executed it, and I struck him out. And it was like a moment of “That, that felt really good.”

  • There’s a Generational Shift Underway With Financial Concerns – Life Happens

    There’s a Generational Shift Underway With Financial Concerns – Life Happens


    Most people are not immune to the worries of the wallet—big and small. From paying for monthly bills all the way to paying for long-term care and everything in between, people from Gen Z to Boomers told us what they are concerned about financially.

    Turns out, saving retirement is a key financial worry, with 44% of Americans expressing concern, according to the 2024 Insurance Barometer Study, from Life Happens and LIMRA. This has been true for every year since the study began in 2011.

    It’s Millennials’ Turn

    While there hasn’t been a major change retirement concern, what has shifted is who is worrying the most about a range of financial issues. This year, Millennials expressed the highest level of financial concern on nine of the 15 specific financial matters we asked them about. Just two years ago, Gen X was the most concerned on 14 of the 15. A generational shift is clearly underway.

    If we take a look at the key financial concerns across all generations, we see the gap between these two generations:

    Millennials vs Gen X

    Having enough money for retirement:                                                       54% vs 48%

    saving for an emergency fund:                                                                   45% vs 38%

    supporting myself if I couldn’t work due to a disabling illness/injury:   45% vs 39%

    paying for long-term care if I couldn’t care for myself:                            40% vs 37%

    paying for medical expenses in case of an illness/injury:                        40% vs 34%

    And yet, one of the things that can bring them financial peace of mind—life insurance—is something that fewer Millennials own (50%) than their older Gen X counterparts (55%). So why don’t Millennials have coverage? Well, 42% say it’s too expensive, but 46% overestimate the true cost by 5 times or more. And it’s not surprising they were so far off with on price, as almost half (47%) admit they used a wild guess or used a gut feeling to estimate the cost.

    There’s Coverage for That

    Additionally, some of their other concerns can be addressed by other types of insurance coverage. For example, disability insurance is there if you are unable to work due to a disabling illness or injury (a concern for 45% of Millennials), but only 19% of Millennials say they own it, and only 20% say they are very/extremely knowledgeable about.

    And this year’s Barometer Study also looked at combination products, specifically life insurance combined with long-term care. This type of coverage could allay concerns that Millennials have about both leaving their family in the lurch financially if they died (38%) and paying for long term care (40%).

    An easy solution is to explore info on these products: life insurance, disability insurance and long-term care, and then talk to an insurance professional who can help you find a solution in your budget. Plus, that conversation is at no cost and no obligation. If you don’t have an someone to work with, you can use our Agent Locator here.

  • The Only Guaranteed Way For Middle Class People To Become Wealthy

    The Only Guaranteed Way For Middle Class People To Become Wealthy


    Rich Habits
    If you find value in these articles, please share them with your inner circle and encourage them to Sign Up for my Rich Habits Daily Tips/Articles. No one succeeds on their own. Thank You!

    In my five-year Rich Habits Study I discovered four ways the self-made millionaires in my study accumulated their wealth:

    1. Saver-Investor Path
    2. Big Company Climber Path
    3. Virtuoso Path
    4. Dreamer-Entrepreneur Path

    The Saver-Investor-Millionaires in my study forged three important habits, which enabled them to accumulate an average of $3,260,000:

    • Habit #1 Frugal Spending – Frugal does not mean being cheap with your money. Frugal means spending your money on the lowest price, highest quality product or service available.
    • Habit #2 Saving 20% or More of Your Income – This requires that you maintain a standard of living that allows you to live off of 80% of your net pay.
    • Habit #3 Bucket System for Savings – Identifying specific savings priorities and devoting a percentage of your savings to each bucket: Wedding, First Home, Emergency Fund, College Savings, Investments, Retirement, etc.

    In my book, Effort-Less Wealth – Smart Money Habits At Every Stage of Your Life, I share the 23 Smart Money Habits of the Saver-Investor millionaires in my study. These habits guarantee financial independence and wealth.

    The Saver-Investors in my study used these smart money habits, which helped them put financial success on autopilot. Because they followed these habits diligently, they were able to automatically build wealth over many years. Over those many years, their investments appreciated, dividend income accrued and interest income on their investments accumulated automatically.

    Individuals who follow these three smart money habits are able to grow their wealth, even when they are asleep – which happened to be a common goal among all of the millionaires in my Rich Habits Study.

    Conversely, those who live beyond their means wind up accumulating debt. The interest on that debt also happens to grow, while they are sleeping.

    Every time they wake up, they are eight hours poorer.

    If you want to build wealth the easiest, most certain way possible, the Saver-Investor Path is the way to go. It doesn’t require any advanced degrees. It doesn’t require that you take enormous risks. And it doesn’t require that you work oppressive work hours, which negatively impacts your family and friends.

    For would-be Saver-Investor millionaires, accumulating wealth requires that you make a habit of making “saving” the first “bill” you pay with every paycheck and then learning to live off of what’s left of your paycheck. When you make a decision to save first, this forces you to reduce your cost of living, so that you are able to reach your goal of saving 20% or more of your net pay. This allows you to put your savings to work by prudently and consistently investing those savings, so your savings can grow – even while you sleep!