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  • Why More Men Are Embracing Facial Rejuvenation

    Why More Men Are Embracing Facial Rejuvenation


    More men across the United States – from tech CEOs in Silicon Valley to fitness-conscious fathers and retired executives – are seeking cosmetic treatments to maintain a fresh, confident appearance. While the rise in men’s grooming and skincare trends has already been well documented, there’s now a growing demand for more advanced facial rejuvenation options, including facelifts tailored specifically to male anatomy and goals.

    This shift marks more than just a trend. It’s a modern revolution in self-care, confidence and proactive aging. Here’s a closer look at why more men are embracing facial rejuvenation and what’s driving this cultural transformation.

    Confidence Goes Deeper Than Your Skin

    For many men, facial rejuvenation is about alignment – the desire to ensure their outward appearance reflects the energy and vitality they still feel inside. In 2023, they made up 14.3% of all cosmetic surgical procedures worldwide, according to the International Society of Aesthetic Plastic Surgery – a noticeable rise from 13.5% just five years earlier. In the U.S. alone, men underwent over 1.1 million surgical and nonsurgical aesthetic procedures in 2020.

    These numbers reflect a decisive cultural shift – more guys are choosing facial rejuvenation not out of vanity but to feel more like themselves again. Double Board-Certified Facial Plastic Surgeon at L&P Aesthetics Dr. David Lieberman explains, “Looking in the mirror each day and being proud of the reflection you see can impact how you carry yourself, how you engage with co-workers and friends, and ultimately how you feel on a deeper level.” In essence, when men feel good about how they look, they often feel better about every other part of their lives.

    Modern Facelifts Are Designed For Men

    Male-focused facelifts are not simply a version of the same procedure with a masculine label, they’re structurally different. Men have distinct facial anatomy, including thicker skin, denser facial hair follicles and a more angular bone structure.

    As a result, modern facelifts for men focus on tightening the jawline, refining the neck area and subtly lifting without softening traditionally masculine features. At clinics like L&P Aesthetics in Palo Alto and Los Gatos, surgeons personalize each procedure to ensure the result looks natural, masculine and undetectable to the casual observer.

    Discreet, Natural Results Are The Gold Standard

    A desire for subtlety often drives men pursuing facial rejuvenation. They want to look refreshed, not drastically altered. That’s why techniques like the deep plane facelift are gaining traction. This method repositions deeper facial structures instead of simply tightening the skin, allowing for a longer-lasting and more natural result.

    Competitive Environments Are Fueling Demand

    In high-performance areas like Silicon Valley, youth and vitality are often perceived as professional assets. Many men feel pressured to stay relevant, especially when surrounded by younger colleagues or public-facing roles. A well-executed facelift can reinforce a sense of competence and energy in both boardrooms and digital workspaces.

    Holistic Rejuvenation Is On The Rise

    Facial rejuvenation isn’t a one-size-fits-all solution, and it’s rarely a one-procedure fix. Many men now pair facelifts with additional treatments like eyelid surgery, brow lifts, or injectables like Botox and dermal fillers to address the full spectrum of aging. The result is balanced, natural-looking enhancement across the entire face, with zero overdone features.

    It’s Not About Vanity – It’s About Vitality

    One of the most persistent misunderstandings about cosmetic procedures is that superficial desires drive them. In truth, many men seek facial rejuvenation to realign their appearance with their internal feelings. As they age, facial changes like sagging skin, hollow cheeks or deep creases can project fatigue, even if the individual feels energetic and sharp.

    This mismatch can affect confidence, motivation and even one’s sense of identity. A successful facial rejuvenation procedure can reestablish that harmony, helping men feel more confident and reconnected with the version of themselves they recognize and value.

    It’s A Private But Powerful Choice

    Undergoing a facelift is not a decision most men make lightly. It’s personal, often private and incredibly empowering. For many, it marks a reclaiming of confidence and control – an affirmation of the right to care about their appearance without apology.

    Male Facial Rejuvenation Is The New Normal

    Facial rejuvenation is now part of a broader cultural shift. Men are embracing skincare, wellness and aesthetic procedures without shame. The result is better appearances, health, self-perception and quality of life.



  • Health Care Industry Is One Of The Biggest Cybercrime Targets

    Health Care Industry Is One Of The Biggest Cybercrime Targets


    Health Care Industry Is One Of The Biggest Cybercrime Targets

    by BLACK ENTERPRISE Editors

    July 6, 2025

    Free NPI Lookup examined data from the Department of Health and Human Services and other sources to explore health care data breaches.

    A wealth of information, including Social Security numbers, birth dates, and health insurance details; a reliance on systems connected to the internet; and weak protections. It’s easy to see why health care institutions are such enticing targets for hackers, and they are rising to the challenge.

    With that in mind, Free NPI Lookup examined data from the Department of Health and Human Services and other sources to explore the scale of health care data breaches over the last decade.

    In 2023, there were 725 large data breaches at hospitals and other organizations, breaking the record 720 breaches the year before, according to a January 2024 report from The HIPAA Journal. In addition, over 133 million records were compromised, more than double the number from the previous year. The problem has become so dire that more than 370,000 records were breached daily in 2023.

    What makes health care so attractive to hackers? The stakes.

    Should a hospital or other institution be the subject of a ransomware attack, where hackers disrupt operations until they receive a payoff or ransom—patients might suffer or even die. Think of delayed procedures, diverted ambulances, and electronic monitoring equipment going offline. The human cost makes agreeing to hacker demands tempting, even if the FBI advises against it, such as in the case of Change Healthcare, which allegedly paid $22 million in ransom, according to Wired.

    Not only is the information valuable, but detection can take a while. As the HIPAA Journal noted, health care data can be used fraudulently for a long time before it is detected. Credit companies constantly monitor unusual spending patterns and can quickly close an account, but health care data cannot be changed so easily. It may also be bundled with other information and sold to identity thieves.

    A column chart showing the rise of health care cyber attacks since 2014.
    Free NPI Lookup

    Hackers increasingly targeting health data

    The HHS calls hacking and ransomware “the primary cyber-threats” to the health care sector. They are becoming more frequent and more sophisticated as the industry relies heavily on digital technology, whether electronic records, telehealth, internet-connected devices, or connections to insurance companies and vendors. Older equipment might be incompatible with security measures but too expensive to replace.

    In 2023, ransomware attacks against the health care sector worldwide nearly doubled over the year before, according to the Office of the Director of National Intelligence. There were 389 victims in 2023 compared with 214 in 2022. Over the past five years, large breaches involving hacking increased 256% while ransomware shot up 264%, according to the HHS. Attacks can affect millions in one fell swoop.

    Among the recent large breaches involved the Kaiser Foundation Health Plan and its 13.4 million members. What Kaiser Permanente described to TechCrunch as “online technologies” installed on its website and applications manifested into members’ searches being forwarded to the likes of Google, X (formerly Twitter), and Microsoft. No Social Security numbers, financial information, or credit card numbers were shared, the company told the Los Angeles Times, but IP addresses—which identify a particular computer—might have been.

    Concentra Health Services, in contrast, affected about 4 million individuals, a third as many people as Kaiser Permanente’s breach. The company used a medical transcription company called Perry Johnson & Associates, which was hacked in 2023 and already compromised about 9 million at the time. Patient data divulged included names and addresses, birth dates, Social Security numbers, and other information.

    A&A Services, which does business as Sav-Rx, appears to have paid a ransom when it was hit with ransomware, according to The HIPAA Journal. The journal based that assessment on the company’s statement that data taken from its system was destroyed. A&A Services, a pharmacy benefits management company based in Fremont, Nebraska, said it was able to get its systems running the next day with no delay in prescriptions.

    Sometimes, not only health care companies but even the affected patients themselves are contacted, as was the case for INTEGRIS Health’s Oklahoma patients. Hackers emailed individuals directly and demanded $50 from each; otherwise, they threatened to sell the data on the dark web. To prove they actually had the data, the hackers included addresses, phone numbers, birth dates, and Social Security numbers in their emails.

    Young physician in white coat working on computer.
    ARMMY PICCA // Shutterstock

    What’s being done to boost security?

    The challenges facing the health care industry are significant. Health care breaches remain the most expensive across all industries, according to IBM’s 2024 Cost of a Data Breach report. The average cost of a health care data breach did fall over the last year, from $10.93 million in 2023 to $9.77 million in 2024, but that’s still twice as expensive as the average for all industries.

    Critics in the industry say hospitals and other health care institutions are often far behind other sectors in boosting their cybersecurity, even with such simple steps as installing patches for known vulnerabilities. Moreover, financially strapped organizations may struggle to pay for cybersecurity professionals.

    What is being done to help the industry tackle the problem? The HHS is trying new requirements balanced by voluntary measures and seeking funds to incentivize hospitals to meet cybersecurity goals. It has proposed rewriting the HIPPA rule—or the Health Insurance Portability and Accountability Act, which requires protecting patient information—to address cybersecurity. It could also tie Medicaid and Medicare funding to heightened cybersecurity, according to the Associated Press.

    The Biden administration launched the Universal Patching and Remediation for Autonomous Defense, or UPGRADE, program, to create IT tools that can better fend off cyberattacks in hospitals. It also announced efforts from the private sector.

    Microsoft has agreed to provide grants giving smaller organizations up to a 75% discount on security products and free cybersecurity training and assessments for eligible rural hospitals. Google will also provide advice for rural hospitals and nonprofits, as well as discounts for its suite of tools. In the meantime, New York proposed cybersecurity changes for its hospitals and allocating funds to help pay for the improvements.

    No matter what, the efforts will need funds. Former health official Iliana Peters told The New York Times, “Without additional resources to raise the bar, those health care providers and those health care payers are going to continue to make choices to pay for treatment or for cybersecurity.”

    Story editing by Carren Jao. Additional editing by Kelly Glass. Copy editing by Paris Close. Photo selection by Clarese Moller.

    This story was produced by
    The Data Project     and was produced and
    distributed in partnership with
    Stacker.



  • Triple-I Blog | JIF 2025: Federal Cuts Imperil Resilience Efforts

    Triple-I Blog | JIF 2025: Federal Cuts Imperil Resilience Efforts


    Triple-I Blog | JIF 2025: Federal Cuts Imperil Resilience Efforts

    By Lewis Nibbelin, Contributing Writer, Triple-I

    Recent efforts to curb federal spending – particularly massive proposed cuts to several major federal science agencies and numerous FEMA grant programs – drew concern from panelists at Triple-I’s Joint Industry Forum in Chicago.

    Slated to lose around half of their original budgets, organizations like the National Oceanic and Atmospheric Administration (NOAA) and the National Science Foundation (NSF) provide insurers with much of the research data needed to model climate risks, at no cost to insurers nor the broader public. Abolishing this research, which also enables daily weather and natural disaster forecasting, will increase underwriting costs and those associated with various other industries, including transportation, agriculture, and energy.

    “Federal science agencies probably facilitate more economic activity in the country than any other federal agency,” said Frank Nutter, president of the Reinsurance Association of America (RAA). “Fully funding and restaffing those agencies is pretty critical.”

    A host of cancelled FEMA mitigation programs have left dozens of catastrophe-prone communities without aid – including projects that were approved before the cuts. Ending the Building Resilient Infrastructure and Communities (BRIC) program, for instance, rescinded approximately $882 million in climate resilience funding  —  “money  we could have spent on mitigation, so we don’t have to spend so much after a disaster,” said Neil Alldredge, president and CEO of the National Association of Mutual Insurance Companies (NAMIC).

    Nutter added that “weighing against safety, teacher salaries – all the kinds of things that communities grapple with,” most former grantees lack the resources for “risk reduction or municipal projects and infrastructure” without federal investment.

    Population growth in high-risk areas exacerbates the issue, Alldredge said.

    “If you look at a map of this country and the population changes from 1980 to today, we have moved the entire population to all the wrong places,” he explained. Building properties capable of withstanding these weather patterns – let alone insuring them – has launched the industry into “a new era of risk.”

    While the panelists agreed that opportunities to improve FEMA operations exist, they questioned President Trump’s consideration to disband it entirely by shifting to a state-based relief system.

    David Sampson, president and CEO of the American Property Casualty Insurance Association (APCIA), noted that “the very nature of a natural disaster means that it overwhelms the local entity’s ability to respond,” rendering any state-based solution “unworkable.”

    “I think we as an industry know where the low-hanging fruit for reforms are,” Sampson continued, because “we interact with FEMA on the ground after disasters.”

    State-level legislative momentum

    Though the Trump administration’s current plans do not bode well for the future of disaster resilience, insurers celebrated many state legislative wins this year regarding tort reform, notably in Georgia and Louisiana.

    “Even at the federal level, there is a growing sense of awareness of the negative impact that an out-of-control tort system is taking on the economy and the American consumer,” Sampson said, highlighting a new bill that would impose taxes on third-party litigation funding.

    Florida also successfully resisted challenges to its 2023 and 2024 reforms, which have already helped stabilize the state’s insurance rates and attracted new insurers after a multi-year exodus. Charles Symington, president and CEO of the Independent Insurance Agents & Brokers of America, pointed out that industry advocacy is crucial to tort reform survival.

    “Once you get these beneficial pieces of legislation passed,” he said, “we have to fight the fight in every legislative session.”

    Symington then contrasted Florida’s recovering market with California’s enduringly hostile regulatory environment, propelled by the 1988 measure Proposition 103.

    Insurance Commissioner Ricardo Lara has implemented a Sustainable Insurance Strategy to mitigate the effects of Prop 103 – such as by authorizing insurers to use catastrophe modeling if they agree to offer coverage in wildfire-prone areas – but the strategy has garnered criticism from legislators and consumer groups.

    “California doesn’t have the assessment ability like Florida does,” agreed moderator Fred Karlinsky, shareholder and global chair of Greenberg Traurig, LLP. “California is three decades behind.”

    As insurers adjust their risk appetite to reflect these constraints, more property owners have been pushed into California’s FAIR Plan – the state’s property insurer of last resort.

    “Our members are having to cobble together coverage,” said Joel Wood, president and CEO of the Council of Insurance Agents & Brokers (CIAB), who noted that the FAIR plan’s policyholder count has more than doubled since 2020.

    Natural disasters like January’s devastating wildfires underscore California’s need for premium rates that adequately reflect the full impact of these risks, which is essential to the continued availability of private insurance in the state.

    “When you have the right leadership in place – the governor, the state legislature – and you have the industry being effective in our advocacy, then we can improve these difficult marketplaces,” Symington concluded.

    Learn More:

    JIF 2025: U.S. Policy Changes and Uncertainty Imperil Insurance Affordability

    JIF 2025: Litigation Trends, Artificial Intelligence Take Center Stage

    Insurance Affordability, Availability Demand Collaboration, Innovation

    Tariff Uncertainty May Strain Insurance Markets, Challenge Affordability

    Reining in Third-Party Litigation Funding Gains Traction Nationwide

  • Short-Term vs Long-Term Financial Goals

    Short-Term vs Long-Term Financial Goals


    Everyone has financial dreams—some are right around the corner, like taking a much-needed vacation or buying a new gadget. Others, like planning for your child’s education or retiring comfortably, take years of effort and planning. These aspirations, big or small, shape our financial goals.

    But not all goals are created equal. To manage your money wisely and make real progress, it’s important to understand the difference between short-term and long-term financial goals. Each type serves a unique purpose and demands a different approach when it comes to saving and investing

    In this blog, we’ll explore what are short term and long term goals, how to prioritize them, and why aligning them with the right investment strategy matters.

    What Are Short Term and Long Term Goals?

    Financial goals can be broadly categorized based on the time horizon required to achieve them. Here’s a simple breakdown of what are short term and long term goals:

    • Short-Term Financial Goals: These are goals you want to accomplish in the near future—typically within less than three years. They’re often essential, time-sensitive, and require liquidity.
    • Long-Term Financial Goals: These goals are set for the distant future, generally seven years or more. They usually involve significant life milestones and require long-term planning and disciplined investing.

    Understanding the difference between short term and long term goals helps you plan your savings and investments accordingly.

    Examples of Short-Term Financial Goals

    Short-term goals are often immediate financial priorities that support your stability and security. Some common examples include:

    • Creating and maintaining an emergency fund
    • Paying off high-interest debt (like credit cards or personal loans)
    • Purchasing insurance (life, health, vehicle)
    • Planning a vacation within the next year
    • Buying a two-wheeler
    • Covering education fees or rent deposits

    These goals are typically less capital-intensive but extremely important for your financial foundation. They require investments with high liquidity and low risk.

    Examples of Long-Term Financial Goals

    Long-term goals are generally centered around major life aspirations or commitments. Common long term financial goals include:

    • Saving for retirement
    • Funding a child’s higher education or wedding
    • Buying a home or repaying a long-term mortgage
    • Achieving financial independence or early retirement
    • Building a large corpus for a dream business or project

    Since these goals have a long horizon, they allow you to take calculated risks and leverage the power of compounding.

    Key Differences Between Short Term and Long Term Goals

    Now that you know what are short term and long term goals, let’s look at how they differ in approach, planning, and execution.

    Aspect Short-Term Financial Goals Long-Term Financial Goals
    Time Frame Less than 3 years More than 7 years
    Purpose Manage immediate needs and stability Achieve future aspirations and milestones
    Urgency High Moderate to low (initially)
    Risk Appetite Low (to preserve capital) Moderate to High (allows growth over time)
    Investment Options Liquid funds, fixed deposits, recurring deposits Equity mutual funds, PPF, NPS, EPF, SIPs
    Monitoring Frequent Periodic
    Flexibility More flexible Less flexible (needs long-term commitment)

    Understanding the difference between short term goal and long term goal helps you avoid using long-term investments for short-term needs or vice versa, which can derail your financial journey.

    How to Prioritise Your Goals

    Given the limited financial resources most people have, you can’t chase all goals simultaneously. Here’s a logical sequence to follow:

    1. Clear High-Interest Debt

    Before anything else, repay high-interest debt like credit cards. These eat into your savings and delay progress toward any goal.

    2. Secure the Basics

    Protect your family with term life insurance and health insurance. Then build an emergency fund worth 3-6 months of expenses. These are non-negotiable short term financial goals.

    3. Fund Essential Short-Term Goals

    Cover any immediate, time-bound needs such as rent advances, school fees, or planned vacations. These should be well-planned to avoid dipping into your long-term investments.

    4. Start Investing in Long-Term Goals Early

    Even if your primary focus is short-term, begin small investments toward long term financial goals like retirement or education. The earlier you start, the better you benefit from compounding.

    How to Invest Based on Goal Type

    Tailoring your investment strategy based on the goal duration is the key to success.

    For Short-Term Financial Goals

    • Focus on capital safety and liquidity.
    • Investment avenues: Liquid mutual funds, ultra-short duration debt funds, fixed deposits, recurring deposits.

    For Long-Term Financial Goals

    • Prioritize growth over time through high-return instruments.
    • Investment avenues: Equity mutual funds (via SIPs), National Pension System (NPS), Public Provident Fund (PPF), Employees’ Provident Fund (EPF), stocks, long-term ETFs.

    Remember, the difference between short term and long term goals also determines your risk appetite and investment product selection.

    Common Mistakes to Avoid

    1. Mixing Funds Across Goals
       Don’t use long-term funds for short-term needs—it disrupts compounding and might result in losses due to market volatility.
    2. No Goal Clarity
       Not knowing the time horizon or exact requirement can lead to under-investing or investing in the wrong product.
    3. Ignoring Inflation
       Especially for long term financial goals, not accounting for inflation can severely impact your corpus.
    4. Starting Late
       The earlier you start with long-term goals, the less you’ll need to invest monthly. Delaying them makes the journey harder and more expensive.

    Why Goal Categorisation Matters

    Knowing the difference between short term and long term goals allows you to:

    • Allocate your funds better
    • Avoid unnecessary financial stress
    • Stay on track even during emergencies
    • Use appropriate investment tools
    • Maximize returns over time

    At Fincart, we work closely with individuals to understand their financial aspirations and help them categorise, prioritize, and plan accordingly.

    How Your Life Stage Influences Financial Goals

    While time horizon is a key factor, your life stage also plays a crucial role in determining your financial goals—and how you approach them. The definition of short term financial goals or long term financial goals may vary depending on where you are in your journey.

    Early Career (20s–30s)

    This is the stage where individuals are just starting out with limited income and possibly education loans. At this stage:

    • Short-term goals include building an emergency fund, repaying student loans, or buying health insurance.
    • Long-term goals may start with retirement savings via EPF/NPS or a small SIP.

    The key is to develop strong financial habits and avoid lifestyle inflation early on.

    Mid-Career (30s–40s)

    This stage brings higher income and greater responsibilities (family, children, EMIs).

    • Short-term goals include school fees, vacation funds, or insurance top-ups.
    • Long-term goals revolve around children’s education, homeownership, and retirement planning.

    You should aim for a balanced portfolio and protect your assets with adequate insurance coverage.

    Late Career (50s and above)

    With major goals either met or nearing, the focus shifts to wealth preservation and health expenses.

    • Short-term goals may include travel, medical funds, or helping children start out.
    • Long-term goals now focus entirely on retirement income, estate planning, and financial freedom.

    Understanding how your life stage influences your short and long term financial goals ensures that your planning remains relevant and efficient.

    Blending Short and Long-Term Planning

    You don’t have to wait to complete short-term goals before working on long-term ones. A blended approach often works best:

    • Allocate a higher percentage of income to short-term goals initially
    • Begin with small SIPs for long-term goals
    • As short-term goals get completed, divert freed-up money toward long-term investments

    This method ensures that you stay prepared for today while securing your tomorrow.

    How to Track and Adjust Financial Goals Over Time

    Setting financial goals is not a one-time activity. It’s an evolving process that requires ongoing review. Markets change, incomes shift, priorities evolve—and your plan must reflect those changes.

    Here’s how to effectively track and adapt:

    1. Use Goal-Based Tools or Apps

    Use platforms that allow you to assign values, time horizons, and track progress. Many robo-advisors offer visual dashboards that show how close you are to your targets.

    2. Annual Review of Goals

    Revisit your financial goals every year:

    • Has your income increased?
    • Have your expenses gone up?
    • Are there new goals to be added or existing ones to be updated?

    Adjust your SIP amounts, rebalance your investments, or shift your allocations based on these insights.

    3. Emergency Adjustments

    Life is unpredictable. If an emergency arises, pause some low-priority goals and redirect funds to more pressing needs.

    4. Celebrate Milestones

    Achieving a goal—short-term or long-term—is a big deal. Reward yourself modestly. This reinforces positive financial behavior and keeps you motivated.

    By actively tracking your financial progress, you’re more likely to succeed in fulfilling both your short and long-term ambitions.

    The way forward

    In summary, the difference between short term goal and long term goal lies in the time frame, purpose, risk profile, and investment strategy. Both are essential components of a solid financial plan. While short-term goals provide immediate security and stability, long-term goals help you achieve major life milestones.

    By understanding what are short term and long term goals, and aligning your savings and investments with them, you can walk the path of financial wellness more confidently.

    Whether you’re just starting your financial journey or looking to streamline existing goals, Fincart’s financial advisors can help you create a customized plan that balances your short-term needs and long-term dreams.

    Tags: Financial Goals, Financial Planning, Long-Term Financial Goals, Short-Term Financial Goals



  • Best Protein Powder For Men: Boost Muscle Growth Today

    Best Protein Powder For Men: Boost Muscle Growth Today


    Fitness awareness among men is growing faster than ever. From urban gyms to home workouts, men are increasingly focused on building strength, gaining lean muscle, and staying fit. Amid this rising trend, one particular nutritional support stands out: protein powders. The search for the best protein powder for men is now common across online forums, fitness groups, and doctor consultations.

    But with hundreds of options crowding the shelves, confusion is inevitable. Is whey protein better than plant-based powders? Should you look for muscle-building blends or lean muscle mass enhancers? Do all protein powders suit beginners?

    This article is your detailed companion in that journey. Whether your goal is muscle gain, fat loss, or body recomposition, we will break down the science and logic behind choosing the best protein supplement for muscle gain. You will understand what protein powder is, its types, benefits, usage, and how to choose one that aligns with your needs and goals.

    What is Protein Powder and Why Do Men Need It?

    Protein powder is a concentrated form of protein derived from animal or plant sources. It is used to supplement daily protein intake, especially for those who find it hard to meet their needs through regular food. Protein is essential for muscle repair, growth, enzyme function, hormone balance, and immune health.

    Men typically require more protein than women due to higher muscle mass, testosterone levels, and physical activity. Age also plays a role. After the age of 30, muscle mass begins to decline at 3–8% per decade. Supplementing with protein becomes more than a gym routine; it becomes a necessity for preserving strength and mobility.

    Common scenarios where protein powder helps men:

    • Regular workouts and strength training
    • Gaining muscle mass
    • Losing fat while preserving muscle
    • Healing after injury or surgery
    • Preventing age-related muscle loss

    Types of Protein Powders for Men

    Protein powders come in many forms. Each serves different needs and digestion rates. Here are the most commonly used ones:

    1. Whey Protein

    Derived from milk, whey is a complete protein with all nine essential amino acids. It is absorbed rapidly, making it ideal for post-workout recovery. It is also rich in branched-chain amino acids (BCAAs), which are crucial for muscle repair and growth. These components make whey one of the best proteins for muscle gain.

    2. Casein Protein

    It is also a milk protein, but it digests slowly. Hence, it provides a steady stream of amino acids, making it ideal before bedtime. It supports recovery during sleep.

    3. Plant-Based Protein

    These include pea, rice, hemp, and soy proteins. They suit those with lactose intolerance or vegan preferences. Many plant proteins are incomplete but can be combined to offer a complete amino acid profile. However, in recent years, many companies have been producing extremely high-quality plant protein powders.

    4. Collagen Protein

    Popular for skin, joints, and bone health. However, collagen is not a complete protein and is less suitable for building muscle mass.

    For most men looking to build muscle, whey protein remains the best choice because of its amino acid profile, fast absorption, and strong research backing.

    How Protein Powder Works for Muscle Growth

    When you work out, your muscle fibers undergo tiny tears. Protein helps repair and rebuild these fibers. That makes them stronger and bigger. This process is called muscle protein synthesis (MPS).

    Whey protein, especially when taken post-workout, rapidly increases MPS because of its BCAA content. One of the most effective components here is leucine, which triggers the muscle-building switch in the body. That is why fitness experts recommend it as the best protein powder for muscle growth.

    To gain muscle, you need to have a calorie surplus and adequate protein intake. A high-protein diet also helps in fat loss by promoting satiety and preserving muscle mass during calorie restriction.

    Key Benefits of Using Protein Powder for Men

    Protein powders are a strategic addition to meeting nutritional and fitness goals. While whole foods should form the base of your protein intake, powders play a vital role in bridging the gap, especially for active men with high protein needs. Below are the key benefits of using muscle-building protein powder.

    1. Promotes Lean Muscle Gain

    Protein powder helps stimulate muscle protein synthesis, especially post-exercise. Leucine, a key amino acid found in whey, triggers this process. A consistent intake of complete proteins accelerates muscle growth, making it the best protein for muscle gain. Studies have shown that men who consume whey protein after resistance training build more lean muscle mass over time.

    2. Enhances Muscle Recovery

    After workouts, your muscles are inflamed and torn at a microscopic level. Quick protein intake, especially whey, helps reduce soreness and aids tissue repair. The presence of BCAAs (particularly isoleucine and valine) helps shorten recovery time, allowing you to train harder, more often.

    3. Supports Fat Loss

    When in a calorie deficit, the body may break down muscle for energy. Protein powder helps preserve muscle mass, which in turn sustains metabolic rate. A higher muscle-to-fat ratio leads to better fat oxidation and a leaner physique.

    4. Boosts Satiety and Reduces Cravings

    Protein is more satiating than carbs or fats. Supplementing meals or snacks with a shake reduces hunger pangs, stabilizes blood sugar, and helps avoid binge eating. For men focusing on body recomposition, this can be a game-changer.

    5. Supports Older Men in Preserving Muscle Mass

    Aging reduces muscle mass and strength. Whey protein, when combined with resistance training, helps combat sarcopenia. Older men benefit from the best protein powder for lean muscle to maintain strength, mobility, and bone density.

    6. Provides a Convenient and Cost-Effective Option

    Compared to animal protein sources like chicken or fish, protein powders are easier to prepare, digest faster, and are often more affordable per gram of protein. They offer an efficient way to reach your protein targets without constant meal prepping.

    Potential Downsides of Protein Powders (And How to Avoid Them)

    While protein powders offer many advantages, they are not without concerns. Understanding the potential downsides and addressing them can ensure safe and effective usage. Here is a breakdown of common issues and their logical explanations.

    1. Digestive Discomfort

    Low-quality protein powders, especially those lacking digestive enzymes, can cause bloating, flatulence, or cramps. It is due to lactose intolerance or the body’s inability to break down complex protein chains. Choosing a good whey protein for muscle building with added enzymes like papain and bromelain can reduce such discomfort.

    2. Presence of Additives and Fillers

    Many brands include artificial sweeteners, thickeners, and preservatives. Some of these, like sucralose or maltodextrin, can irritate the gut lining or spike insulin levels. Opting for clean-label, lab-tested powders with minimal ingredients is key to avoiding long-term side effects.

    3. Risk of Heavy Metals and Contaminants

    Several third-party tests have found heavy metals like lead, cadmium, and BPA in protein powders. While trace amounts may not be immediately harmful, consistent overuse can accumulate in the body. Look for products with strict quality controls and certifications.

    4. Excess Protein Intake

    Overconsuming protein (especially beyond 2.2 g/kg of body weight daily) can strain the kidneys over time. This risk is higher in those with pre-existing kidney conditions. Stick to suggested serving sizes and maintain hydration.

    5. Potential Drug Interactions

    Whey protein may interfere with the absorption of certain medications, such as antibiotics or Parkinson’s drugs like Levodopa. That is due to the interaction of protein molecules and the drug during digestion. If on medication, consult a healthcare provider before starting supplements.

    When and How Much Protein Powder Should You Take?

    Your protein needs depend on your body weight and activity level. As per research:

    • Sedentary men: 0.8–1 g/kg
    • Active men: 1.2–2 g/kg
    • Muscle gain goals: Up to 2.2 g/kg

    One scoop of protein powder typically provides 20–30 g of protein. You can have it:

    • Post-workout for recovery
    • In the morning, if you train early
    • Between meals to boost daily intake
    • Before bed (especially casein) to support overnight recovery

    Limit intake to 1–2 servings a day and complement with high-protein foods like eggs, dal, paneer, chicken, and nuts.

    What to Look for in the Best Protein Powder for Men

    Here is a checklist to help you find the best protein powder for muscle growth and fat loss:

    • Protein Source: Whey isolate > whey concentrate > blends > plant-based (for muscle gain)
    • Protein Per Serving: Aim for 20–30 g
    • BCAA Content: Especially leucine for muscle activation
    • Added Enzymes: To support digestion
    • Sugar and Additives: Avoid products with artificial sweeteners or high added sugar
    • Lab-Tested and Certified: Look for third-party testing for purity and safety
    • No Harmful Fillers: Stick to clean ingredient lists

    Why Whey Protein is the Hero for Muscle Building

    Among all protein supplements, whey protein consistently tops the list of best protein supplements for muscle gain. It is the gold standard, particularly for men aiming to build lean mass, recover faster, or transform their physique. But why exactly is whey considered the top whey protein for muscle building?

    Whey protein is derived from milk during the cheese-making process. It contains all nine essential amino acids and is absorbed rapidly by the body, making it ideal for post-workout consumption. The high leucine content effectively triggers muscle protein synthesis, which is crucial for men looking to increase mass and strength.

    Research published in the Journal of the International Society of Sports Nutrition supports whey’s efficacy. Men who supplemented with whey post-exercise had significantly better lean mass gains and performance improvements compared to those using plant-based proteins.

    Its versatility, affordability, and effectiveness make it the best protein for gaining muscle mass, whether you are a gym enthusiast, athlete, or beginner.

    The Best Whey Protein for Men

    Among the many products available in India, HealthifyMe Whey Protein stands out. Here is why it aligns with every checkbox for men:

    • High-Quality Protein: 25.5 g of protein per scoop with 5.6 g of BCAAs
    • Whey Isolate + Concentrate: Blended for optimal muscle synthesis and recovery
    • No Added Sugar or Preservatives
    • Digestive Enzymes: For easy absorption and minimal bloating
    • Sourced from Europe and lab-tested for purity
    • Ideal for muscle gain and performance enhancement

    All these factors make it a reliable choice as the best male protein powder, whether you are a beginner or training intensively.

    How to Use Protein Powder Smartly

    The effectiveness of protein powder lies in using it strategically, not in just consuming it. Understanding when, how, and in what combinations to take it can maximise your results and prevent misuse.

    Timing is Key

    The best time to consume protein powder is within 30 minutes of a workout. That is when your muscles are primed to absorb nutrients, especially amino acids. This period is known as the “anabolic window.” A scoop of whey during this time is often considered the best protein shake for muscle growth.

    Pair with Balanced Nutrients

    Combining protein powder with carbs (like oats, banana, or peanut butter) can help in better absorption and glycogen replenishment. Avoid taking protein shakes on an empty stomach unless advised otherwise.

    Be Mindful of Quantity

    Stick to 1–2 scoops per day based on your protein needs. More is not always better. Overuse can stress your kidneys or lead to imbalanced nutrition.

    Versatile Usage

    • Add to smoothies or milk
    • Mix into oatmeal
    • Stir into pancake or dosa batter
    • Make protein-rich energy balls

    The versatile usage helps maintain consistency without monotony.

    How to Read the Label When Buying Protein Powder

    Selecting the best protein powder for men’s muscle gain requires more than looking at the brand name. Reading the label carefully is crucial to understanding what you are consuming. Here is how to decode it:

    1. Protein Content Per Serving: Look for at least 20–25 g per scoop. Anything significantly less may not be effective unless combined with high-protein meals.

    2. Source of Protein: Whey isolate is purer and has more protein per gram, while concentrate contains more carbohydrates and fats. Blends of isolate and concentrate offer a balanced option for affordability and efficiency. This combination is seen in the best whey protein powder for building muscle.

    3. BCAA and Amino Acid Profile: The presence of BCAAs (especially leucine) ensures effectiveness in muscle growth. A good muscle growth protein will have around 5–6 g of BCAAs.

    4. Sweeteners and Fillers: Avoid powders with high amounts of sugar, sucralose, or corn syrup solids. Look for ‘No added sugar’ and natural sweeteners like stevia or monk fruit.

    5. Digestive Enzymes and Certifications: Enzymes improve bioavailability and reduce bloating. To ensure product safety and quality, look for labels with FSSAI, GMP, Informed Choice, or NSF certifications.

    Reading labels smartly allows you to find the best protein powder for muscle gain for beginners or seasoned lifters alike, without falling for marketing jargon.

    HealthifyMe Note

    Most marketing around the best protein powders to build muscle is just that: marketing. What truly matters is how well the protein powder aligns with your body, lifestyle, and goals. As a health coach, I always remind clients that no supplement can replace mindful eating, adequate sleep, and personalized fitness routines. Whey protein, when used wisely, can amplify results. But it will only sustain your muscle gains when accompanied by the right food, hydration, rest, and consistency. Understand your body, track your progress, and consult when needed. You are not just chasing gains; you are building a healthier life.

    The Final Word

    Choosing the best protein powder for men’s muscle gain is not about picking the most popular brand or following influencers. It is about understanding what your body needs and finding a product that delivers results without compromise.

    If your goal is to gain lean muscle, speed up recovery, and feel stronger without unnecessary fillers, then whey protein is a great place to begin. You must consider high-quality blends like the one offered by Healthify Store. With its 25.5 g of protein per scoop, digestive enzymes, and clean formula, Healthify Whey Protein checks all the right boxes.

    Your journey to fitness is personal. Supplements like HealthifyMe’s muscle-building protein powder should support (not replace) your efforts. Stay consistent, eat well, train smart, and choose what works best for you.

    Frequently Asked Questions (FAQs)

    Q: What is the best protein powder to gain muscle mass?

    A: Whey protein isolate or a blend of isolate and concentrate is considered the best for muscle mass due to its high absorption rate and complete amino acid profile. Products like HealthifyMe’s Whey Protein are great examples.

    Q: How much protein powder should I take daily?

    A: For muscle gain, 1.2 to 2.2 grams per kilogram of body weight is recommended. Limit to 1–2 scoops of protein powder per day, and complement the rest through food.

    Q: Can beginners use protein powder for muscle gain?

    A: Yes, beginners can benefit from protein powders, especially if their diet lacks adequate protein. Choose clean-label products with no added sugar or artificial ingredients.

    Q: What is the best time to take protein powder?

    A: The best time is post-workout for muscle recovery. Other good times include mornings and before bed (casein) to ensure a continuous amino acid supply.

    Q: Is protein powder safe for long-term use?

    A: Yes, when taken within recommended limits. Stick to quality products that are lab-tested, and avoid excessive intake beyond daily protein requirements.

    Q: Is whey protein better than plant-based protein for men?

    A: Whey is better for muscle growth due to its high BCAA content and rapid absorption. However, plant proteins are suitable for those who are lactose intolerant or vegan.

    Q: Can protein powder help with weight loss?

    A: Yes. High-protein diets can improve satiety and preserve muscle mass while losing fat. Protein powders can help reach daily protein goals during calorie restriction.

    Q: What is a good protein shake for muscle gain?

    A: A good shake includes whey protein, a banana, oats, and peanut butter blended with water or milk. This combination effectively supports muscle recovery and growth.

    Research Sources

    1. International Society of Sports Nutrition Position Stand: protein and exercise

    2. Protein for Life: Review of Optimal Protein Intake, Sustainable Dietary Sources and the Effect on Appetite in Ageing Adults

    3. Rational Use of Protein Supplements in the Elderly—Relevance of Gastrointestinal Mechanisms

    4. Whey Protein Supplementation Improves Body Composition and Cardiovascular Risk Factors in Overweight and Obese Patients: A Systematic Review and Meta-Analysis

    5. Effects of Protein Supplementation on Performance and Recovery in Resistance and Endurance Training

    6. Protein Supplements: Pros and Cons

    7. Muscle tissue changes with aging 

    8. Whey and casein labeled with l-[1-13C]leucine and muscle protein synthesis: Effect of resistance exercise and protein ingestion.

    9. A focus on leucine in the nutritional regulation of human skeletal muscle metabolism in ageing, exercise, and unloading states.

    10. International Society of Sports Nutrition position stand: protein and exercise

    11. National Institutes of Health Office of Dietary Supplements. Dietary supplements for exercise and athletic performance: fact sheet for health professionals.

  • Squeeze a Whole Business Book into Your Lunch Break

    Squeeze a Whole Business Book into Your Lunch Break


    Disclosure: Our goal is to feature products and services that we think you’ll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners.

    If you’re running a business, leading a team, or scaling a side hustle, chances are your “books to read” list is growing faster than the actual reading time you have available. But, there are ways around the time it takes to read an entire book.

    This modern app, 12min, is a productivity tool that distills the key insights from more than 1,800 bestselling titles into bite-size, 12-minute reads or audio summaries that are designed to fit your schedule. They call them micro-reads.

    This isn’t just another summary app. It’s a business resource for leaders who want to sharpen their thinking, strengthen their strategy, and keep pace with new ideas—without carving hours out of their day. Whether you’re revisiting the classics like The 7 Habits of Highly Effective People or exploring the latest in marketing, leadership, or personal development, 12min helps you soak up game-changing lessons while you’re commuting, working out, or waiting for your next meeting.

    Each micro book is crafted by real editors—not AI bots—so you get clear, accurate takeaways. Plus, you can access them offline, listen on the go, or send them straight to your Kindle.

    You’ll get access to 30 new titles each month, unlimited downloads, and full access to categories like Leadership, Startups, Productivity, Sales, and Psychology. It’s everything you’ve wanted to read, but finally made manageable. That means your reading list evolves with the business world, from new books on AI strategy and remote leadership to emerging insights on personal productivity.

    For a one-time payment, you’ll have lifetime access to a resource that makes you a sharper entrepreneur, smarter manager, and more well-rounded thinker.

    Don’t miss getting a lifetime of 12min’s Premium Subscription for just $39.99 (reg. $399.90) while you can.

    12min Micro Book Library: Lifetime Premium Subscription

    See Deal

    StackSocial prices subject to change

    If you’re running a business, leading a team, or scaling a side hustle, chances are your “books to read” list is growing faster than the actual reading time you have available. But, there are ways around the time it takes to read an entire book.

    This modern app, 12min, is a productivity tool that distills the key insights from more than 1,800 bestselling titles into bite-size, 12-minute reads or audio summaries that are designed to fit your schedule. They call them micro-reads.

    This isn’t just another summary app. It’s a business resource for leaders who want to sharpen their thinking, strengthen their strategy, and keep pace with new ideas—without carving hours out of their day. Whether you’re revisiting the classics like The 7 Habits of Highly Effective People or exploring the latest in marketing, leadership, or personal development, 12min helps you soak up game-changing lessons while you’re commuting, working out, or waiting for your next meeting.

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

  • Coffee or tea? Served in Tetra Pak

    Coffee or tea? Served in Tetra Pak


    Coffee or tea? Served in Tetra Pak

    CONSUMER-READY These familiar packages are used by brands such as Del Monte, Nestle, Selecta and Magnolia.

    BINH DUONG, Vietnam—At first glance, Tetra Pak’s products seem oddly familiar, like a childhood friend whose name is dangling at the tip of your tongue.

    Perhaps it’s the shape that’s cloaked in a different design. It is, after all, the universal term in the Philippines for anything that’s packaged in carton: a niece’s chocolate drink, mom’s pineapple juice, tita’s coconut water.

    Article continues after this advertisement

    READ: Tetra Pak recycling: From rubbish to kindergarten tables, chairs

    John Jose, Tetra Pak marketing director for Malaysia, Singapore, Philippines and Indonesia, provides some clarity that our childhood assumptions are true. Among Tetra Pak’s biggest customers in the country is Del Monte Philippines, whose products include the fruit juices that line grocery shelves, alongside other staple brands like Nestle, Selecta and Magnolia.

    “In the Philippines, we have multiple customers,” Jose tells the Inquirer in an interview here. “If you go to the supermarket, you will see the brands there.”

    While Tetra Pak has become a household name in the Philippines, Jose notes that they have yet to capture as many customers as those in neighboring countries.

    Home to at least 110 million people, the Philippines presents a massive opportunity for Tetra Pak. At present, the country makes up only a small share of Tetra Pak’s client base, which mostly seeks its services for dairy products.

    Article continues after this advertisement

    The majority, or 55 percent, of its products go to Vietnam, while 29 percent collectively go to Malaysia, Singapore, Philippines and Indonesia. The secret here is that Vietnam’s milk consumption is more than double that of the Philippines at 30 to 40 liters per capita, making it a large market for Tetra Pak.

    Dairy dynamics

    Coffee or tea? Served in Tetra Pak

    NEW MARKETS John Jose, Tetra Pak marketing director for Malaysia, Singapore, Philippines and Indonesia, sees potential in beverages. —PHOTOS BY MEG J. ADONIS

    Where might the challenge be for the Philippines, which had welcomed Tetra Pak a few years earlier than Vietnam?

    Article continues after this advertisement

    Jose explains that it is in the form that dairy takes: In Vietnam, people consume more ready-to-drink milk, or those already in liquid form. Filipinos, on the other hand, prefer powdered milk because it is easier to transport; it occupies less space and it’s undeniably lighter.

    “We cannot do powder in our solution,” Jose admits. “So there are new categories that we’re looking to enter.”

    Armed with its P14.4-billion carton packaging factory in Binh Duong province, Vietnam, Tetra Pak is ready to penetrate a new category that’s also emerging in popularity in the Philippines: coffee and tea.

    “[Dairy] is becoming a very competitive market. There are a lot of players in dairy, so we need to start expanding into the other categories,” Jose says.

    “We feel now is the right time. We have the solutions in place,” he adds, referring to the various sizes of Tetra Pak’s packaging, from 200 milliliters to 300 mL, from slim to wide. “That can address the different needs of consumers.”

    The newly opened second phase of its Binh Duong factory more than doubles Tetra Pak’s production capacity at this site to 30 billion aseptic carton packages per year from 12 billion when it was first opened in 2019, along with 15 additional packaging formats.

    Alternative to plastic bottles

    Coffee or tea? Served in Tetra Pak

    REGIONAL HUB Tetra Pak’s P14.4-billion factory in Binh Duong, Vietnam

    By expanding its capabilities in Vietnam, Tetra Pak can now better serve neighboring countries in the Asia Pacific, including the Philippines.

    The challenge now is toppling plastic bottles from their throne in the coffee and tea packaging category.

    For their part, Jose explains they have been hosting open house sessions for brand owners in the Philippines, hoping to change their mind and see the benefits of carton packaging: sustainability and recyclability.

    These sessions also allow Tetra Pak to gain consumer insights that will later shape their strategies and turn interest into practice.

    But convincing and converting will take some time, he says.

    “Through our business development team in the Philippines, we continue to try to talk to beverage players to see if there’s any interest in the ideas that we have,” Jose adds.

    For now, Tetra Pak hopes that its efforts are enough to open the gates to packaging coffee and tea by 2026, thus starting a new era for the 74-year-old company.



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    Your subscription has been successful.

    “We have done a lot of work in terms of understanding the category … we translate these insights into actual opportunity platforms that customers can look at,” Jose says.



  • 7 Online Scams That Now Target Couples Over 50

    7 Online Scams That Now Target Couples Over 50


    7 Online Scams That Now Target Couples Over 50
    Image source: Unsplash

    In a world where everyone is always connected online, scams have become more sophisticated, targeting specific demographics with alarming precision. One group increasingly in the crosshairs? Couples over the age of 50.

    This demographic, often sitting on substantial retirement savings and home equity, has become an attractive target for cybercriminals. But it’s not just about the money. These scams can also strain marriages, erode trust, and leave long-term emotional damage. What’s more alarming is that many of these scams disguise themselves as harmless emails, phone calls, or social media messages. Couples may not realize they’ve been duped until it’s too late.

    Below are seven online scams currently preying on couples over 50 and how to recognize them before they take a serious toll on your finances and relationship.

    1. Romance Scams That Target One Partner

    Romance scams have traditionally focused on singles, but increasingly, scammers are targeting individuals in relationships. They use dating apps, social media, and even email to lure one partner into a secret online relationship. These scams often start as innocent messages but quickly escalate to emotional manipulation. Scammers create believable stories about being stranded overseas, facing sudden medical emergencies, or needing help with travel costs.

    The targeted partner may start hiding these interactions from their spouse, sending small amounts of money at first, then larger sums as the scammer’s lies intensify. This creates not only financial loss but also marital friction when the deception is uncovered. Some couples report these scams nearly leading to separation or divorce, as trust is shattered on both financial and emotional levels.

    2. Tech Support Scams Masquerading as Urgent Alerts

    Tech support scams have evolved beyond the typical pop-up warning. Many now arrive via email or text, often disguised as urgent alerts from popular software companies or banks. These scams claim your account has been hacked or compromised, and they urge immediate action. The scammer then asks for remote access to your computer or smartphone to “fix” the issue.

    What victims don’t realize is that these scammers install malicious software to steal banking information, passwords, and other sensitive data. Couples frequently fall victim because one partner may trust the scammer, allowing access before discussing it with their spouse. Once the scammer has control, they can drain bank accounts or steal identities in minutes.

    3. Social Security and Medicare Impersonation

    Impersonation scams are nothing new, but recently, there’s been a surge in scams pretending to be from Social Security or Medicare. These scams often target couples jointly because of the intertwined nature of benefits. Victims typically receive a phone call or email claiming their Social Security benefits are being suspended due to suspicious activity or unpaid debts. The scammer pressures them to “verify” personal information to avoid losing their income.

    Similarly, fake Medicare representatives may offer new cards or claim eligibility changes, asking for Social Security numbers or banking details. Many couples comply out of fear of losing critical benefits, only to later discover their personal data has been used to commit fraud or open new lines of credit in their names.

    saving
    Image Source: unsplash.com

    4. Investment Scams Disguised as Retirement Opportunities

    Investment fraud aimed at retirees is nothing new, but many scams now explicitly target couples nearing or in retirement. These scams often advertise on social media, YouTube, or even podcasts that cater to seniors. Pitches typically involve promises of guaranteed returns through gold IRAs, cryptocurrency, or “government-backed” programs. They often present a sense of urgency, warning about inflation or economic collapse.

    Couples are convinced that acting fast will “protect their retirement,” but they end up wiring money into fake investment accounts that vanish overnight. Because these scams often involve joint finances or retirement savings, both partners suffer the consequences, leading to stress and blame within the relationship.

    5. Fake Charity Scams Exploiting Generosity

    Scammers are well aware that older adults tend to be generous, especially toward causes like veterans, animal welfare, or disaster relief. In many cases, couples jointly decide to donate to charitable organizations. Fraudsters take advantage by creating fake charities with convincing names and websites. Some even spoof legitimate organizations, making them harder to detect.

    They typically strike after disasters, such as hurricanes or wildfires, sending emails and texts urging immediate donations. Many couples fall victim because they feel pressured to act quickly, thinking they are making a difference. Unfortunately, these “charities” pocket the money, and it never goes to the intended cause. Couples often don’t discover the scam until they later attempt to confirm their donation or receive no tax documentation.

    6. Sweepstakes and Lottery Scams Targeting Joint Accounts

    Another common tactic targeting older couples involves fake sweepstakes and lottery winnings. These scams usually claim the couple has won a large cash prize, vacation, or vehicle. Victims are told they need to pay processing fees, taxes, or insurance before collecting their winnings. The scam often pressures couples to wire funds or provide banking details for direct deposit.

    Because many couples hold joint accounts, scammers take advantage of the assumption that one partner can act on behalf of both. In some cases, one spouse wires money without consulting the other, leading to disputes later on. By the time the scam is revealed, the couple’s funds are often gone, and the scammer has disappeared without a trace.

    7. Online Shopping Scams Targeting Retirement Purchases

    As older adults increasingly shop online, scammers have shifted their tactics toward this demographic, especially targeting couples looking for retirement-related purchases. Fraudulent ads often appear on social media, promoting heavily discounted items such as RVs, travel packages, medical devices, or exercise equipment for “senior health.”

    These scams frequently involve fake checkout pages where victims input payment details, only to receive nothing, or, worse, cheap counterfeit products. Couples may not realize they’ve been scammed until weeks later, especially if the purchase seemed like a shared decision or if one partner handled the transaction alone.

    Not only do these scams result in financial loss, but they can also lead to arguments over who made the decision and whether proper caution was exercised.

    Protecting Your Relationship and Finances from Online Scams

    Online scams targeting couples over 50 aren’t just financial threats. They can cause long-term damage to relationships, trust, and emotional well-being. The key to protecting yourself and your partner is communication and awareness. Discuss financial decisions openly, especially those involving online transactions, donations, or investments.

    Consider taking cybersecurity workshops together or reviewing online safety checklists from reputable organizations. Never allow strangers remote access to your devices, and always verify the legitimacy of charities, investment offers, or government communications before responding. Being proactive can help prevent both financial and emotional losses.

    Have you or someone you know encountered an online scam that targeted couples?

    Read More:

    Behaviors That Make You a Target for Financial Scams

    8 Healthcare Scams That Target Older Adults

  • New Themes for YOU this New Year!

    New Themes for YOU this New Year!


    New Themes for YOU this New Year!

    January 11, 2022 –

    This post is sponsored by Babbleboxx.

    Can you believe it’s 2022?! These days, weeks, & months are truly flying back, yet sometimes feel to be going super slow. Anyone else?

    I was just chatting with one of my clients and we were talking about how everyone around us is either sick, tired, or needing a break.

    It’s interesting because I feel like everyone feels this huge pressure when we strike a new year, that we need to have everything together and kick off with a BANG. When in reality, a lot of us are tired from the holidays, moving (like us), & sometimes can go into the new year relaxing on the couch before moving forward.

    I am all for goals & having something to work towards, but I’m also for giving ourselves grace through it all and listening to our body.

    For example, I was run down going into the new year. Lots to catch you guys up on, but we moved out of our more recent townhouse and by the end of the week when New Years Eve came, I stayed on the couch.

    The next day? I walked Kita, napped, and then went to bed.

    I had all intentions of hitting some big workout on New Years Day, but my body was tired and I felt like I was starting to get sick….I know my body and I know my “signs” and they were all flaring up so for me, I needed a few days to recharge and move slow before I truly felt like I could GET AFTER IT on Monday. And that’s what I did!

    I’m not here to say, sit on the couch all day everyday, because I know that motivation will come and go, but over the long run, I’m super consistent with fitness and knew that I could get back into after a few days off to let my body recharge.

    For the New Year, I personally want to set some awesome goals for myself with fitness, but also work on taking care of ME. Making sure I’m nourishing my body with nutrient dense foods while also allowing my own “balance” in all foods, make sure to sleep enough, drink enough water, & do things that make me feel good because the more I’m good, the more I can be good for others.

    New Themes for YOU this New Year!

    My friends at babbleboxx have perfect timing as they sent over their Resolution Reset box filled with awesome products for this theme! I’m going to walk you through the products and chat about different ways to incorporate these “themes” into your 2022!

    Can we just chat about the amount of LOVE I have for a good pen!? 

    I am SO particular that it’s comical. I will only buy certain gel pens to use to write my client programs. They have to flow nicely and not bleed onto my pinky as I write.

    I was sent this (adorable) Zebra Pen Journaling Set and I’m IN LOVE.  Not only do I love the colors but I love how they write.

    In addition to the gel pens were Midliner Highlighters that are perfect for highlighting with their chiseled tip or fine point sides for all marking applications. 

    I used these right away in my new planner for the New Year and loved using different colors for different topics and to-dos!

    Zebra Pens is offering a discount code for 15% off using RESOLUTION15 at checkout for their midline highlighters, midline brushes, & Sarasa Clip at Zebrapen.com.

    While I always want myself and others to get enough vegetables and fruits in their day, adding in something like Beetology is a great way to get in the benefits of beets.

    These beverages pack vitamins and minerals that can help fight inflammation, support immunity, lower blood pressure, and much more.

    The Beet & cherry is SO good cold and even more delicious mixed over ice with this next new product they sent….

    If you know me, you know that I’m not a big drinker. I’ve just never been into it but I do enjoy a glass of wine on occasion and a good mixed drink if I’m out to dinner or with friends. 

    I do think you can enjoy alcohol in moderation and still attain your fitness goals, but alcohol in excess can cause some issues or make it harder to achieve those goals based on how the body processes it.

    The company Monday sent their Zero Alcohol Gin which is an awesome blend of citrus, juniper, natural botanicals, and spices that even finishes with a kick!

    I had my father-in-law sample it and he even said it would be good in a mixed drink.

    This would be fun to use for someone like me who likes to make up fun drinks to enjoy but doesn’t always want the alcohol. 

    Monday is offering a discount code KASEY15 for 15% off anything on the website except subscriptions. One use per customer only and expires Jan. 31st, 2022.

    If you’re like me, I put on lotion directly after the shower to really lock in the moisture and I’m pretty particular about what I pick. 

    Tree Hut sent over their Vitamin C Whipped Body Butter which is perfect for this time of the year with drier skin lurking! It will leave your skin soft and smells amazing.

    The whipped body butter has Natural Shea Butter for moisture, AHA for fresher looking skin, & Vitamin C for a powerhouse boost for brighter skin.

    The formula is also formulated without parabens, sulfates, alcohol, or formaldehyde donors which are things I look for in skin products and it SMELLS AMAZING!!

    As a Trainer, I am constantly being asked how to get more protein into my client’s days. Trust me, would I love to be able to sit down for 3 balanced meals each day? YES. But can I with my schedule? Nope! That’s where adding in a protein smoothie or shake is my GO-TO tip for others and myself!!

    Shaklee is one of the leading nutritional companies founded by Dr. Shaklee, who, FUN FACT, invented the first multivitamin in the US more than 100 years ago! Crazy!

    I was sent two products from their company to try.

    One was their Life Shake Soy Protein in French Vanilla. I’m a huge fan of anything “French vanilla” as it brings me back to childhood when my Grandma would make us milkshakes with French vanilla ice cream.

    With this shake, it’s an easy way to add 2 scoops to any liquid or smoothie base for a complete 20 grams of protein, 6 grams of fiber, & 24 essential vitamins & minerals! 

    We’re currently staying with my in-laws so I gifted this to her as she’s been looking for a high protein snack throughout the day.

    Shaklee also sent over Collagen-9, which if you’ve been following me for a while you know that I’ve used Collagen on and off for years. 

    Shaklee offers the most Complete Collagen Product because it actually Includes all 9 essential amino acids, 10 g of collagen, and a powerful combination of biotin and vitamin C, which can promote healthy skin, hair, nails, and joints.

    It’s really easy to take collagen as well! I like to add it into hot coffee or a smoothie.

    So what do you say? Let’s kick off the new year with some new themes to add into our lives! You can head over to my TikTok or Instagram to watch a fun video I put together with all of these products.

    Thank you all for the support in 2021 and more to come in 2022! (potentially a website update?! woo!)

    Be true to you,

    xo Kasey

     



  • Kit Review 2024 | Smart Passive Income

    Kit Review 2024 | Smart Passive Income


    If you’re looking for your next email marketing platform, and you’re curious if Kit is right for you, well, you’re in the right place! Here’s our comprehensive Kit review for 2024, which will cover:

    • What Is Kit?
    • Why do I need an email service provider (ESP)?
    • The rebrand from ConvertKit to Kit
    • Kit Features
    • Kit Pricing
    • Key Benefits of Kit
    • Drawbacks of Kit
    • Kit & Email Marketing: More Resources to Read, Listen & Learn

    What is Kit?

    Kit is an email service provider (ESP). Essentially, it’s a technology service that lets you send email campaigns to a list of subscribers. Kit is one of literally hundreds of ESPs out there, and—full disclosure—it happens to be the one we prefer and use at SPI.

    Although we’re biased, we can still be objective! In this post, we’ll cover the features, benefits, and drawbacks of Kit as we see them, to help you decide if it’s the right ESP for your business.

    Email marketing strategy: Why you need an ESP

    If you’re reading this, you might already know what an ESP is and why you need one. But in case you don’t, an ESP is the most important piece of technology to support your email marketing strategy.

    Email marketing is one of the most powerful methods to build relationships and market your products and services to your audience. Let’s talk about why that is.

    In its most basic form, email marketing involves you sending emails to a group of people who’ve chosen to hear from you by “subscribing” to receive emails from you. You could technically use a simple email program like Gmail to accomplish this—but we don’t recommend it, because you’ll quickly find it insufficient (and because your personal email account will get flagged as spam if you send too many emails from it!).

    As your business grows and more people subscribe to get your emails, you’ll want the ability to do more sophisticated things with your email marketing, like customizing the emails people get according to their interests, and using reports and analytics to determine what’s working well or not.

    You also need to make sure you’re respecting people’s privacy and not spamming anyone. An email service provider also helps you to stay in compliance with government regulations around the world, such as the CAN-SPAM act in the United States, the General Data Protection Regulation in the European Union (GDPR), and the Canada Anti-Spam Law (CASL).

    Things can quickly get out of hand without the help of a dedicated email marketing platform. That’s where an ESP like Kit comes in.

    Okay, let’s get into the nitty gritty of Kit’s features!

    Psst… Want to grow your email list and learn powerful segmentation and automation strategies that allow your business to run on its own? Check out the Email Marketing Magic course.

    Kit features

    These are the key features of Kit, organized by how you’ll use them.

    Sending emails

    • Autoresponders/drip campaigns (sequences): Send a sequence of pre-written emails automatically to a specific segment of subscribers on your list, triggered by a specific event or action, with the aim of guiding them to take a specific action. 
    • Broadcast emails: Send standard announcements or one-time emails to your subscribers on a specific date.
    • CAN-SPAM, GDPR, and CASL compliance: CAN-SPAM, GDPR, and CASL are laws that set the rules and requirements for commercial email messages, and give recipients the right to have you stop emailing them—so compliance is crucial!
    • Dynamic (personalized) email content: Your email content can display different text or images, according to your customer segmentation.
    • Responsive email templates: Ready-to-go email designs, as well as the ability to create your own custom templates. Kit automatically formats your landing pages for various devices, such as desktop computers and mobile phones.
    • WYSIWYG email editor: The built-in email editor lets you see how your email will look with your template’s styling applied while you’re composing it.

    Collecting new subscribers

    • Custom responsive landing pages: Use the included tool to quickly create a landing page to collect email addresses. Kit automatically formats your landing pages for various devices, such as desktop computers and mobile phones.
    • Embeddable forms: Collect email subscribers anywhere on your website by dropping in a Javascript or HTML form, or by using the WordPress plugin.
    • Site builder: Create a website directly on Kit to publish newsletters, host a digital storefront to collect payment for one-time or subscription products, and build custom pages. Set up a landing page and collect payment for one-time or subscription products right inside Kit.
    • Visual automations: Kit allows you to create rule-based paths using if-then logic, so that when a subscriber takes a particular action, you can send them pre-defined emails or add them to a segment.

    Learning about your subscribers

    • A/B testing: Kit lets you test different subject lines for your emails, and automatically determines the winner based on their respective open rates.
    • Reporting/analytics/ROI tracking: Learn how often your subscribers open your emails, click on links, and complete various actions.
    • Segmentation/tagging: Segmenting your subscribers into different categories (similar to but more powerful than other programs’ “lists”) allows you to send them emails that are better tailored to their needs and interests.
    • Polls. Add polls directly to emails to engage with and collect information about subscribers, which you can then use to build segments.

    Growing your income

    • In 2022, Kit Commerce was added to the platform, allowing users to try selling digital products to their subscribers by creating customized product pages that can be embedded in your emails, along with automated sales funnels.
    • The current iteration of Kit also features a site builder. You can create a website directly on Kit to publish newsletters, host a digital storefront to collect payment for one-time or subscription products, and build custom pages.

    Connecting with and supporting other creators: The Creator Network

    • In 2023, Kit launched the Creator Network, which helps users guide their audience members to discover other creators and get discovered in turn.
    • You can also get paid for Creator Network recommendations you make via the aptly named Paid Recommendations.

    Expanding the platform’s capabilities: App store

    • As part of the 2024 rebrand, they also launched an app store, where you can find custom apps to do more with Kit. The app store will launch with five apps: KitBoard (add CRM to your account), Wordsmith (turn YouTube videos into newsletters, SavvyCal (add booking widgets to emails), Mighty (connect your Mighty community and content with Kit), and SegMetrics (learn about how you gain, engage, and convert subscribers).
    • Kit also offers a self-service app builder to create your own add-ons. (As of this writing, the service is currently in beta.)
    Kit logo

    Start your Kit account — free for your first 10,000 subscribers!

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    From “ConvertKit” to “Kit”: Behind the rebrand

    In summer 2024, the company previously known as ConvertKit officially became Kit. The new name was announced in July during the Craft + Commerce Creator Conference and went live in October. (They had previously rebranded to Seva in 2018, but considerable negative feedback to the new name caused them to revert to ConvertKit until this year.)

    The change to Kit was more than a name change, though, because the company launched several big new capabilities to their platform as well. We covered some of the new features in the section above, but here are the highlights:

    • An app store where developers can create add-ons to augment Kit’s capabilities
    • A central data hub with enhanced reporting
    • An expanded Creator Network to help users find new collaboration partners

    Kit also made a point of rebranding in public by sharing information about the rebranding process through blog updates, live-streamed design sessions, and a four-part YouTube mini-documentary. This transparency gives an interesting insight into the company’s thinking. And we think it’s a smart move given how their previous rebrand went.

    With that out of the way, let’s talk about pricing.

    Kit pricing

    For a long time, Kit only offered paid plans. But in December 2019, the company announced a new free tier if you have fewer than 1,000 subscribers. They recently expanded the free tier to include creators with up to 10,000 subscribers.

    Here are Kit’s pricing options as of October 2024:

    Kit Newsletter Plan

    • $0/month for up to 10,000 subscribers

    The Newsletter plan includes:

    • 1 basic Visual Automation
    • 1 email Sequence
    • 1 user
    • Unlimited landing pages, opt-in forms, and email broadcasts
    • Audience tagging & segmentation
    • Sell digital products
    • Run paid newsletters & subscriptions
    • Newsletter feed & website
    • API Access
    • Free Recommendations (required—at least one recommendation slot to grow your list by cross-promoting with other creators)
    • Smart Recommendations (auto-recommendation of similar creators to help you grow your list)
    • 24/7 support

    Kit Creator Plan

    • $9/month for up to 300 subscribers (paid annually; $15 if paid monthly)
    • $25/month for up to 1,000 subscribers (paid annually; $29 if paid monthly)
    • Tiered pricing up to $1,916/month (paid annually; $1,916 if paid monthly) for up to 400,000 subscribers

    The Creator plan includes:

    • All the features of the Newsletter plan
    • Unlimited Visual Automations
    • Unlimited email Sequences
    • 2 users
    • Free migration from another tool
    • Free Recommendations
    • Paid Recommendations
    • Remove Kit branding
    • Third-party integrations
    • RSS campaigns
    • Polls

    Kit Creator Pro Plan

    • $25/month for up to 300 subscribers (paid annually; $29 if paid monthly)
    • $50/month for up to 1,000 subscribers (paid annually; $59 if paid monthly)
    • Tiered pricing up to $2,166/month (paid annually; $2,599 paid monthly) for up to 400,000 subscribers

    The Creator Pro plan includes:

    • All the features of the Creator plan
    • Unlimited Visual Automations
    • Unlimited email Sequences
    • Unlimited users
    • Facebook custom audiences
    • Newsletter referral system
    • Edit links in sent broadcasts
    • Subscriber engagement scoring
    • Advanced deliverability reporting
    • Insights dashboard
    • 24/7 Priority support

    Both the Creator and Creator Pro plans offer a 14-day free trial so you can see if it’s right for you before committing.

    We’ll keep this post updated with the latest Kit pricing, but you can also visit the pricing page on the Kit website.

    Let’s get into the reasons we like Kit next!

    Benefits of Kit

    We’ve used Kit to power Smart Passive Income’s email marketing for several years. In that time, we’ve found it to be the ideal ESP for our needs. We also think it’s a great solution for a range of entrepreneurs and digital creators looking for a robust, feature-rich email marketing platform.

    The best email service provider for new entrepreneurs.

    Easy to learn, powerful when you need it.

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    Kit logo

    From where we sit, the power of Kit falls into two main categories: user benefits, and audience benefits.

    Kit benefits from the user’s standpoint

    First, Kit has everything a business owner needs to get up and running quickly:

    • You can collect emails.
    • You can set up a simple landing page to collect emails.
    • You can sell products (one-time purchase or subscription).

    These features allow someone to start selling even while they are in the process of setting up a website somewhere else. It also makes it easy to execute on one of the main lessons in our Smart From Scratch course: using selling as a key step in the idea-validation process.

    Second, the Kit team designed their platform to grow with the sophistication of the user. When you start, you probably just want to collect email addresses and send emails. But as you grow, you’ll want to start tailoring your message and segmenting your audience. At that point you can take advantage of things like automations and dynamic content. As you and your business become more advanced, the Creator Pro Plan is your next step—you won’t have to switch to a different email service provider five years down the road. This sets Kit apart from some other ESPs, particularly Mailchimp.

    Some people find Kit a bit daunting (see Drawbacks below), but if you’re somewhat tech-savvy we think it’s pretty approachable. In particular, we like the accessibility of Kit’s automation builder, which lets you create automations in a straightforward, linear way.

    We tried Infusionsoft for a year and found its automation builder innovative but overwhelming. You had to already understand how automations work, as well as the various symbols common in automation builders. We find Kit’s automation builder, on the other hand, makes it easy to string automations together in an advanced way. With multiple templates to choose from, setting up an automation for the first time is easy for any user.

    We also like Kit’s approach to subscriber management. With Kit, all your subscribers go into one big pool; there are no lists. Instead, subscribers can be put into segments by assigning them attributes using tags and custom fields. These let you treat your subscribers as unique humans with different needs; not all subscribers are created equal. The other benefit of the way Kit treats subscribers? You’re only charged once for each unique subscriber, unlike some other ESPs.

    Kit’s recently launched Creator Network is also a big plus in our eyes, from both a business-building and community-building perspective. It allows you to grow your subscriber base while also fostering connections with other entrepreneurs and creators.

    Last but not least, if you’re moving from another ESP like Mailchimp or AWeber, Kit offers a free migration service that can take some of the headache out of switching.

    Kit benefits for your audience

    Kit gives you the opportunity to tailor your messaging to your audience. You can have as many forms and landing pages as you want. You can have as many tags, custom fields, and segments as you want. You can be as specific in talking to your audience as you want to be.

    As you collect information about your audience, you can start to segment subscribers so you don’t bother people with things they aren’t interested in. Kit makes it easy to collect details about your audience along the way, and you aren’t penalized for that through higher costs, as you would be with a list-based email platform.

    Drawbacks of Kit

    No solution is perfect, of course. Here are some of the drawbacks we and other Kit users have noticed.

    • Moderately steep learning curve. The interface can be a little overwhelming for a beginner. Taking full advantage of all of Kit’s features—like segmentation, tagging, and automations—requires some learning (and potentially coding). You can shorten this learning curve by following their Getting Started video series, as well as the rest of the content on their well-organized support site
    • No list-based organization. Although we like the way Kit lets you organize subscribers using tags (and doesn’t charge you for duplicate subscribers, as we mentioned above), the lack of a list-based organization system can be confusing if you’re coming from other platforms. Over time, though, we think you’ll find this system more flexible than managing lists.
    • Barebones email and landing page templates. Kit requires CSS coding to create custom advanced email templates and landing pages beyond the included options. Some users report that the email design tool can be buggy.
    • Analytics could be more robust. The free and Creator plans don’t offer the same advanced deliverability reporting, subscriber scoring, and analytics features of the Insight feature that the Creator Pro plan offers, which makes sense but may be a bother to some users.

    Thankfully, one of the previous drawbacks of Kit, that there was no free option, hasn’t been the case since 2019. This free tier makes Kit comparable at the entry level to other popular ESP options like Mailchimp.

    Lastly, this is by no means a drawback, but as Kit continues to expand its offerings to include things like the Creator Network and Kit Commerce to its core email marketing capabilities, there’s a chance that the platform’s value could get spread thin. To be clear, we don’t think this is going to happen and have a lot of confidence in Nathan and the Kit team, but it’s worth keeping in mind.

    Our big takeaway on Kit

    With the recent updates, Kit is coming closer to being a one-stop shop for creators who want to grow, nurture, and sell to their audiences with a platform that’s largely ready to use and automatable. If you’re looking for your first or next email marketing platform, we think it’s a great solution for growing your audience and increasing your income while retaining creative control over what you put out into the world!

    Kit & email marketing: More resources to read, listen & learn

    So there you have it—our review of Kit’s email marketing platform! We’ll leave you with a few more resources if you’re curious about Kit, or want to dig further into email marketing.

    Kit [Full Disclosure: As an affiliate, we receive compensation if you purchase through this link.]

    SPI 825: Behind the Scenes of a Major Rebrand & Lessons Learned After a Hard Fail—my conversation with Kit CEO Nathan Barry about setting his company’s sights on more ambitious goals with the rebrand.

    What Is Email Marketing? + Best Practices:
An SPI How-to Guide

    Email Marketing Magic Course

    AP 0712: How Do I Migrate an Email List from AWeber to Kit? – Smart Passive Income

    Why I Switched from Aweber to Infusionsoft to ConvertKitI hope this post has been helpful in deciding whether Kit is the right ESP for your business. Whatever email marketing platform you choose, nothing is more important than having the right email marketing strategy, so be sure to check out our essential guide to email marketing and consider the Email Marketing Magic course if you want more hands-on support with your email marketing, available inside the SPI Community. Good luck!

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