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  • 10 Ways To Save The Earth (& Money) In Under A Minute

    10 Ways To Save The Earth (& Money) In Under A Minute


    10 Ways To Save The Earth (& Money) In Under A Minute
    Image source: 123rf.com

    So you want to help the environment, but you don’t think that you have enough time? Here are 10 simple things that you can do in under a minute that will help the environment and save you money at the same time:

    1. Use Half The Amount (time: none):

    Try using half the amount of the products you use every day. Most of your everyday household products will work just as well when you use half the amount that you are currently using. Some that you might consider using this method with are laundry detergent, shampoo, cleaning supplies, etc.

    2. Cold / Cold Wash (time: under 5 seconds):

    A knob turn on your washing machine can save about $100 a year in energy costs. Simply move the water temperature knob to a cold/cold wash setting instead of a hot/cold wash. Since the greatest cost of washing clothes is heating the water, a cold/cold wash can save a significant amount.

    3. Put A Towel In The Dryer (time: under 15 seconds):

    Go and get the most absorbent towel you can find and place it near your Dryer. Each time you put in a new load of clothes to dry, also throw in the towel. This absorbent towel will reduce the time it takes for the entire load to dry and will save approximately 10% of the energy use.

    4. Turn Down Your Water Heater Temperature

    This takes under under 5 seconds for gas water heaters – electric water heaters are a bit more complicated and while adjusting them can be done in under a minute if you are mechanically inclined, you may want to have someone do it for you if you aren’t): Most water heaters are set at a higher temperature than they need to be. Adjust your water heater down to 130°F and you will save 3% to 5% on the cost of heating your water for every 10°F the temperature is reduced. On the gas water heaters, all it takes is a turn of the temperature knob to accomplish this.

    5. Adjust Your Thermostat (time: under 10 seconds):

    With summer just around the corner, adjust your thermostat up a degree or two and for each degree you do so, you will save 3% to 4% on the cooling costs of your house.

    6. Turn The Water Off When Brushing/Washing (time: under 5 seconds):

    The average bathroom faucet runs at about 2 gallons of water per minute. That means every time you brush your teeth or when you wash your hands with the faucet running, you use about 4 gallons of water. If you brush your teeth twice and wash your hands three times per day, it adds up to 600 gallons of water per month.

    7. Turn Off Your Car Engine (time: under 5 seconds):

    If your car is going to be idling for more than 45 seconds, it’s more fuel-efficient to turn the engine off and restart the car again when you are ready to move.

    8. Close Cooling Vents (time: under 5 seconds for each vent):

    There is no reason to cool the portions of your house that you are not going to be in. Walk around your house and close the cooling vents in all the rooms where you don’t spend a lot of time. This will help your air conditioner work less (and thus save energy and money) than if you had all the vents open. Just be sure that there is not a temperature sensor in the room when you close the vents.

    9. Replace Light Bulbs (time: under 30 seconds per light bulb):

    If you haven’t done so already, replace your regular light bulbs with compact fluorescent light bulbs (CLF). CLFs last ten times as long and only use 25% of the energy that a regular light bulbs uses. Over the life of each light bulb, you should save approximately $40 in energy consumption.

    10. Turn Off Your Lights (time: under 5 seconds):

    One of the easiest ways to save money and help the environment is to simply turn the light switch off when you leave the room. There is no reason to keep lights on when there is no one there.

    It really doesn’t take much time or effort to make a difference. In less than 10 minutes, you can make a significant contribution to the environment and save yourself some money at the same time.

    Read More

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  • My Go To Summer Fits with adidas!

    My Go To Summer Fits with adidas!


    My Go To Summer Fits with adidas!

    July 1, 2023 –

    HAPPY SUMMER FRIENDS!

    I can’t believe it’s already here, my favorite time of year!

    If you’re anything like me, soaking up the sun and warmer temperatures is one of my life’s greatest pleasures and my friends at Adidas are helping us dress the part.

    I’ve put together some of my top go-to looks to share with you all with the help of my adorable fur-nephew, Gus, who is totally hired from now on…shout out to my bestie Gabs for letting me borrow her son for the shoot.

    JUST LOOK AT THAT SMILE.

    My Go To Summer Fits with adidas!

    Pro tip: highly suggest putting a fanny pack waist bag ($28) on your dog to carry all the treats and poop bags, just saying.

    My literal go-to everyday look is leggings and a crewneck sweatshirt or biker shorts with a crewneck. I’m loving this yellow color (on sale for $28!!) paired with the 3 stripes bike shorts that are super high waisted and a longer length to pull it all together

    LOOK AT THAT FACE….ok ok back to the fit.

    I’ve been on the hunt for a chunky white sneaker that not only can be worn with any outfit but also is comfortable and practical. 

    I just wore these ZNCHILL Lightmotion+ running shoes (on sale for $60!) to run the other day and they felt like I was floating, I loved it! They are perfect for walks, runs, workouts, & wearing to work for long hours in the gym.

    Corey and I both grabbed some of our top picks and I’ll link them for you below!

    How adorable is that Coreflow Studio Medium Support Sports Bra ($28) pattern and ruffles? I’m also thoroughly obsessed with the Lounge Terry Loop women’s hoodie ($56) just as much as I love the crewneck and got it in an XL for an oversized fit.

    Corey’s top picks were the Wide Headband ($18) for his mullet he’s been growing, the On The Run Shorts ($21) for the gym and lounging, & the Prisma Print Polo ($26) for work!

    I have to say, all of these pieces are super affordable and the quality with adidas is always spot on.

    I think Mr. Gus agrees and was totally diggin’ his new fanny pack for the Summer.

    Feels good to be back on the blogging vibes – more to come!

    Be true to you,

    xo Kasey

  • Access to 1,000+ Skill Courses Is Now Just

    Access to 1,000+ Skill Courses Is Now Just $20


    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 leading a business—or building one from the ground up—here’s a tip: your competitive edge is only as sharp as the skills you keep refining. With EDU Unlimited by StackSkills, you can do just that—for $19.97.

    That’s not a monthly fee. That’s lifetime access to over 1,000 curated courses designed to help business leaders, freelancers, and side hustlers gain an edge in today’s fast-moving landscape.

    This platform offers a curated mix of high-impact content in tech, design, development, marketing, finance, and even soft skills that boost leadership and communication. Whether you want to better understand cloud security before your next pitch meeting or finally wrap your head around growth hacking to boost user acquisition, EDU Unlimited has you covered.

    Led by 350+ vetted, elite instructors, each course is self-paced, practical, and focused on real-world applications—not fluff. You’ll also get certifications to show off your new skills, monthly course updates to keep the learning fresh, and quarterly webinars with instructors who’ve walked the walk.

    Think of it as the Netflix of business skills—but instead of binge-watching dramas, you’re building the skillset that powers your next big business leap. From a Manhattan co-working space to a suburban home office, the lessons apply across industries, stages, and time zones.

    Skip the expensive boot camps and recurring fees and get lifetime access to a world of growth to use whenever, wherever.

    Just $19.97 (reg. $600) gets you StackSkills Unlimited for life—through July 20 only.

    EDU Unlimited by StackSkills: Lifetime Access

    See Deal

    StackSocial prices subject to change.

    If you’re leading a business—or building one from the ground up—here’s a tip: your competitive edge is only as sharp as the skills you keep refining. With EDU Unlimited by StackSkills, you can do just that—for $19.97.

    That’s not a monthly fee. That’s lifetime access to over 1,000 curated courses designed to help business leaders, freelancers, and side hustlers gain an edge in today’s fast-moving landscape.

    This platform offers a curated mix of high-impact content in tech, design, development, marketing, finance, and even soft skills that boost leadership and communication. Whether you want to better understand cloud security before your next pitch meeting or finally wrap your head around growth hacking to boost user acquisition, EDU Unlimited has you covered.

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

  • The Power of Light, Mitochondria, and Circadian Rhythms

    The Power of Light, Mitochondria, and Circadian Rhythms


    Editor’s Note: This article is a reprint. It was originally published March 02, 2025.

    In my interview with Alexis Cowan, Ph.D., a molecular biologist from Princeton, we explored some cutting-edge ideas that can dramatically impact your health. Cowan’s deep knowledge of molecular biology, particularly her passion for light, circadian rhythms, and mitochondrial health, offers a fresh perspective on optimizing your well-being.

    We discussed topics that are often overlooked in mainstream health discussions but are necessary for understanding how your body truly works and how you can take control of your health journey. Molecular biology is a powerful field for understanding how to optimize your biology. It allows you to get down to the very nuts and bolts of how your cells function and interact.

    My own interest in this field has led me to write extensively about it, as I believe it holds the key to unlocking your body’s incredible potential. Cowan’s expertise in this area, especially her research background in metabolism and her current deep dive into light and circadian biology, made for a truly enlightening discussion.

    Cowan’s journey into molecular biology is quite unique. Initially on a path to culinary school, a profound experience led her to a complete shift in perspective, sparking a deep curiosity about the nature of reality and ultimately guiding her to science. This pivotal moment became the catalyst for her exploration into biochemistry and molecular biology, culminating in a Ph.D. from Princeton.

    Her personal journey of health transformation, including overcoming childhood obesity and chronic health issues, further fueled her passion for understanding the root causes of disease. Cowan’s background blends rigorous scientific training with a personal understanding of the challenges of health and healing.

    This combination allows her to communicate complex scientific ideas in a clear and accessible way. These insights will equip you with actionable knowledge to make informed decisions about your health and well-being.

    The Power of Light on Your Circadian Rhythm

    Light and its profound impact on your circadian rhythm and overall health is an area often neglected in conventional health discussions, yet it’s fundamental to how your body functions. Cowan emphasizes the role of light as a foundational element for well-being, acting as a primary regulator of your body’s internal clock and numerous biological processes.

    Light is a powerful environmental cue that dictates your body’s rhythms, influencing everything from sleep-wake cycles to hormone production and even mitochondrial function. You are constantly bathed in different forms of light, both visible and invisible, and understanding how these frequencies interact with your body is essential for optimizing your health.

    Cowan pointed out that even the seemingly simple act of getting sunlight exposure is far more complex and beneficial than you might realize. Sunlight isn’t just about vitamin D; it’s a full spectrum of light frequencies, including infrared and ultraviolet, each playing a unique role in your biology. Your mitochondria, the powerhouses of your cells, are incredibly sensitive to light and utilize different frequencies for optimal function.

    This perspective shifts the focus from avoiding “bad” light to actively seeking “good” light as a nutrient for health. Cowan referenced the pioneering work of researchers like Satchidananda Panda, Ph.D., who I’ve interviewed previously, and Albert Szent-Györgyi, a Nobel laureate who explored the electronic structure of proteins and their semiconductor properties.

    This foundational research underscores the idea that your body is fundamentally an electromagnetic system, highly responsive to light frequencies in your environment.

    Mitochondria Are Your Cellular Power Plants and Light Sensors

    Mitochondria, often called the powerhouses of your cells, were a central theme in our discussion. Cowan and I share a strong belief that optimizing mitochondrial health is key to reversing and preventing most chronic diseases — a premise I explored in-depth in my book, “Your Guide to Cellular Health: Unlocking the Science of Longevity and Joy.”

    These tiny organelles are not just energy producers; they are dynamic responders to your environment, particularly to light, and play a much broader role in your health than you may expect. Imagine your mitochondria as miniature engines within each of your cells, responsible for generating the energy you need to live and thrive. But they’re not just simple engines.

    As Cowan explained, mitochondria are incredibly sophisticated, utilizing an electron transport chain to produce energy in the form of adenosine triphosphate (ATP) and a special type of water called metabolic water. This process involves a flow of electrons, which, in essence, is electricity at a cellular level.

    Interestingly, this flow of electrons also generates a magnetic field within your mitochondria. This magnetic field is important for attracting oxygen, which is essential for energy production, and for containing reactive oxygen species within the mitochondria.

    When your mitochondria are functioning optimally, this process is efficient and supports overall cellular health. However, factors like exposure to non-native electromagnetic fields (EMFs), which we’ll discuss later, disrupt this delicate balance.

    Cowan described mitochondria as both antennas and emitters of electromagnetic frequencies. They are not only powerhouses but also sophisticated sensors that detect and respond to the electromagnetic environment around you, including different light frequencies. This highlights the importance of considering your light environment, both natural and artificial, as a key factor in mitochondrial health and, consequently, your energy levels, cellular function, and long-term health.

    The Dangers of EMFs

    Artificial EMFs, emanating from modern technologies like Wi-Fi, cell phones, and wireless devices, negatively impact your mitochondria and overall health. This is a topic I’ve written about extensively, including in my book EMF*D, as it represents a significant, yet often underestimated, threat in our modern world. Dr. Cowan was not aware of this book so I sent her a copy.

    Cowan highlighted that your mitochondria are sensitive to these frequencies and exposure disrupts their function. She referenced research demonstrating that EMF exposure decreases mitochondrial membrane potential, an indicator of mitochondrial health. This disruption leads to a cascade of negative effects, including increased oxidative stress and impaired cellular function.

    She explained a principle called the inverse square law, which means the closer you are to an EMF source, the stronger the signal and the greater the harm. Cowan also recounted the story of Dr. Robert O. Becker, a pioneering researcher who, as early as the 1960s, uncovered the harmful effects of EMFs.

    His research, funded by the military, initially explored the use of electrobiology for healing and regeneration. However, his findings took a concerning turn when he discovered that EMFs could promote tumor growth and hinder wound healing in animal models. Despite his groundbreaking work, his funding was abruptly pulled after he attempted to raise awareness about these dangers, highlighting the challenges in bringing this information to the public.

    Practical Steps to Reduce EMF Exposure

    While the dangers of EMFs seem daunting, Cowan offered practical and actionable steps to minimize your exposure in your daily life. Small changes in your habits make a significant difference in reducing your overall EMF burden and protecting your mitochondria. It’s not about eliminating technology completely but rather using it consciously and strategically.

    One of the simplest yet most impactful changes you can make is to distance yourself from EMF sources. For instance, Cowan strongly advises against holding your cell phone directly to your ear. Instead, use speakerphone to create distance. Similarly, avoid carrying your phone in your pocket and keep it away from your body as much as possible. When using laptops or other wireless devices, avoid placing them directly on your lap; use a desk or table instead.

    For Wi-Fi, consider putting your router on a timer to turn off automatically at night when you are sleeping. This simple step significantly reduces your nighttime EMF exposure. When possible, opt for wired connections, like ethernet cables, for your internet devices instead of relying on Wi-Fi. While it’s less convenient, these wired connections reduce your exposure to wireless radiation in your home or workspace.

    Sunlight Provides Your Daily Dose of Mitochondrial Fuel

    Both Cowan and I are strong advocates for regular sun exposure, as it’s a key nutrient for your mitochondria and overall health. Sunlight is a powerful source of energy that your body is designed to utilize. It delivers both infrared and ultraviolet (UV) frequencies, both of which are important for mitochondrial function.

    Near-infrared light, present throughout the day even in shade, penetrates deeply into your body and stimulates cytochrome C oxidase, an important complex in the mitochondrial electron transport chain. This stimulation boosts electron flow, enhancing ATP production and the creation of deuterium-depleted metabolic water, which is important for cellular hydration.

    However, indoor environments are often lacking in near-infrared light, as energy-efficient lighting doesn’t contain it and coated window glass reflects it. This means you are likely missing out on this important frequency if you spend most of your time indoors. Conversely, spending time outdoors, even in the shade, ensures you receive a healthy dose of near-infrared light, nourishing your mitochondria and supporting cellular health.

    Cowan also explored the role of UV light, particularly UVB, in relation to melanin. UVB light is essential for vitamin D production and triggers a cascade of beneficial effects through the pro-opiomelanocortin (POMC) pathway.

    This pathway leads to the production of alpha-melanocyte stimulating hormone (MSH), which stimulates melanin production, reduces appetite, and increases energy expenditure and beta-endorphin, which improves mood, reduces pain and enhances immune function.

    Cowan presented the intriguing idea of “human photosynthesis,” suggesting melanin plays a role in harnessing UV light to split water and generate energy, similar to chlorophyll in plants. This fascinating theory underscores the complex and beneficial relationship between UV light and your body. I actually discuss this topic in my book, Your Guide to Cellular Health, and I described it more accurately as photometabolism and will be writing scientific papers on this in the future.

    Optimizing Sun Exposure for Maximum Benefit

    With the understanding of sunlight’s importance, the question becomes: how do you optimize your sun exposure to reap the maximum benefits without risking harm? Cowan emphasizes using vitamin D levels as a biomarker for your sun exposure habits. Optimal vitamin D levels, achieved without supplementation, are a good indicator that you’re getting sufficient UV light. Ideally, aim for vitamin D levels between 60 to 80 ng/mL (150 to 200 nmol/L).

    However, vitamin D is just one piece of the sunlight puzzle. There’s an important factor to consider: dietary seed oils. These oils, prevalent in processed foods and fast food, are rich in linoleic acid (LA). When LA interacts with the sun’s UV radiation, it triggers inflammation and DNA damage in your skin. If you consume these oils regularly, as many Americans do, you need to be more cautious about sun exposure.

    It’s best to avoid direct sunlight during peak hours (10 a.m. to 4 p.m.) until you’ve reduced your consumption of seed oils for at least six months. To avoid sunburn and maximize the beneficial effects of sunlight, Cowan also suggests a gradual approach, building up your “solar callus.” Start with short periods of sun exposure, five to 10 minutes, and gradually increase the duration each day as your skin adapts.

    She also recommends starting your day with sunrise light, rich in red and infrared, to prepare your skin for midday sun. This morning light exposure also plays a role in setting your circadian rhythm for the day. Cowan also cautioned against the common misconception that melanin is solely for protection against UV damage. She argues that melanin plays a more active role in “human photosynthesis” and as a powerful antioxidant and detoxifier.

    People with darker skin tones need significantly more sun exposure to achieve optimal vitamin D levels and other sunlight benefits due to melanin’s light-absorbing properties. Understanding your skin type and gradually increasing your sun exposure after reducing LA in your diet is key to safely and effectively harnessing the power of sunlight for your health.

    Your Circadian Rhythm Is Your Internal Timekeeper

    Cowan emphasized the role of light in regulating this internal clock and offered actionable strategies for optimizing your circadian rhythm, which has far-reaching impacts on your sleep, energy levels and overall health. Think of your circadian rhythm as your body’s internal timekeeper, synchronizing your biology with the day-night cycle.

    Light is the primary cue that sets your circadian rhythm. Cowan highlighted the importance of morning sunlight exposure, particularly sunrise light, for anchoring your circadian clock.

    Morning sunlight, with its specific wavelengths of blue, UVA and red light, signals to your brain and body that it’s daytime, initiating processes associated with wakefulness, energy production, and digestion. Consistent morning light exposure is key for regulating sleep-wake cycles and optimizing daytime functions.

    During the day, seek bright, full-spectrum light. Indoor environments often fall short in providing sufficient light intensity and spectrum compared to natural daylight. Cowan suggests increasing light exposure indoors using full-spectrum lights, aiming for at least 10,000 lux in your workspace. Whenever possible, work outdoors to maximize your exposure to natural daylight, even on cloudy days, as outdoor light is significantly brighter than typical indoor lighting.

    If you can’t get outside, cracking open windows to let in unfiltered sunlight helps improve your indoor light environment, allowing beneficial UV and near-infrared light to enter. On the other end of the cycle, minimizing blue light exposure in the evening is equally important for a healthy circadian rhythm.

    Blue light, emitted from electronic screens and many artificial lights, suppresses melatonin production, disrupting your sleep cycle and hindering nighttime recovery processes. It’s important to block blue light in the evenings by using blue-light blocking glasses, installing blue light filters on your devices and opting for warmer, dimmer lighting in your home as it gets dark.

    Embrace the Power of Nature’s Rhythms

    My interview with Cowan underscored a powerful message: your health is deeply intertwined with the natural rhythms of light and darkness, and by consciously aligning your lifestyle with these rhythms, you unlock remarkable healing and well-being. Remember, light is a fundamental nutrient that fuels your mitochondria, regulates your circadian clock and influences numerous biological processes.

    By prioritizing sunlight exposure and minimizing exposure to artificial EMFs and blue light at night, you are directly supporting your cellular health and overall vitality. Small, consistent changes in your daily habits accumulate over time, leading to significant improvements long-term health. By understanding the science and embracing these natural principles, you address the root causes of many health issues and proactively building a foundation for vibrant well-being.

    The power to optimize your health lies within your grasp, waiting for you to harness the natural rhythms of light and life. To continue your journey of health, Cowan offers a wealth of resources for you to explore. She is passionate about sharing her knowledge and empowering you to take control of your health. If you are eager to learn more and connect with Cowan, here are several avenues to pursue:

    • Social media — Follow her on Instagram at @dralexisjazmyn for frequent posts about light biology, circadian rhythms, mitochondrial health, and more. She shares a lot of free educational content here.
    • Podcast — Listen to her podcast, “Indoctrinate Yourself,” available on YouTube and Spotify. This podcast explores many of the topics discussed in this article and beyond.
    • Courses — She offers in-depth courses, such as “Boot Camp Reboot,” which provides actionable protocols for circadian and light biology, nutrition and mitochondrial optimization. She also has a self-paced course on scientific literacy to help you better understand scientific research.
    • Monthly membership program — Join her Incubator monthly membership, a book club and think tank that explores different topics and engages in group learning.
    • Brain rentals — For personalized guidance, you can book a 30-minute or 1-hour “Brain Rental” session with Cowan for specific questions related to your health journey or understanding the science.
  • 5 reflections on the insurance industry in 2024 | Insurance Blog

    5 reflections on the insurance industry in 2024 | Insurance Blog


    As 2024 draws to a close, it’s a good time to reflect on what the insurance industry achieved, what surprised us and how longer-term trends progressed.

    From an industry results perspective, 2024 was a strong year. Buoyed by rate increases and continued (but diminishing) interest rates, carriers saw global insurance premiums grow by 4.6% in 2024, outperforming the 1.6% average of the past five years. Growth was driven by life insurance, with a decade-high 5% in 2024, while non-life growth was 4.3%, up from 3.1% CAGR of the last five years, due to the impact of the hard market. Life and non-life premiums accounted for 43% and 57% of total premiums in 2024. Steady economic growth and resilient labor markets continued to support the industry.

    Qualitatively underlying these financial and operating results, we observed the following:

    1. AI drove material economic impact.

    As reported by C-suite clients surveyed by Accenture globally, 87% of carriers (91% P&C; 82% L&A) achieved material financial benefits from gen AI usage. The industry has monetized robust, production solutions for enhanced Underwriting and Claims settlement for segments of the book.  But, in a world of ever-rising expectations, the demand is now for impact “at scale” (i.e., moving from impactful individual use cases to impact across functional or value chain domains).

    1. Insurers met increasing demands on core functions with alternative talent strategies.

    The underwriting function, which has long struggled with an aging workforce and outdated processes, got some relief in 2024 with AI and gen AI allowing senior underwriters to use their expertise in higher value areas such as business development and negotiation.  A prime example is QBE, which is scaling industry-leading AI-powered underwriting solutions replicated across multiple lines of business. With AI, QBE can now process (i.e., ingest and extract insights from) 100% of submissions received from brokers and drive higher quote-to-bind rates with Underwriters focused on the highest value submissions.

    Insurers also executed strategies to address increasing regulatory and capital requirements without increasing headcount by drawing on talent pools outside their organizations and in lower-cost locations. For example, many insurers and reinsurers sourced high-end actuarial, loss/CAT modeling and capital allocation resources from India where there is a growing actuarial talent pool.

    1. Optimizing operating models and segment growth was a recurring theme.

    Cost reduction efforts in recent years had many heads of divisions and business units looking for greater autonomy and control of costs. In 2024, we saw insurers across lines of business and geographies thinning out the corporate center and emphasizing optimization or strategic realignment of their operating models and greater leadership focus on customer and product segments.

    1. Shifts in the risk landscape drove cross-sector growth strategies and capital reallocation.

    Recognizing the growth potential in the health sector, insurers are building health businesses and exploring opportunities in emerging health risks. For example, Aviva Insurance Ireland is backing Level Health, an insurance business that offers customers lower costs on a variety of plans. Meanwhile, FWD Group is addressing emerging health risks among gamers in the Philippines, offering insurance solutions for gaming-related risks, such as vision problems, insomnia and migraines. Care navigation, remote mental health and telehealth services also increased with the combined digital health market growing to $172 billion, a 16% increase.

    Retirement took center stage in 2024. Concerns about longevity risk and retirement readiness fueled attention and the need for change. As investors took advantage of higher interest rates and questioned whether defined contribution and public programs can provide adequate retirement income, annuities set sales records for a fourth consecutive year. In China, workers covered by the public system for basic pension insurance were allowed to voluntarily open private pension accounts, alleviating some of the systemic stress from a rapidly aging population. And more Millennials, poised to benefit from the Great Wealth Transfer and lacking interest in traditional career paths, gravitated toward the Financial Independence, Retire Early (FIRE) movement.

    1. Prevention mindsets offer service revenues and reduced losses.

    Risk mitigation as table stakes now has more insurers and their customers turning to prevention of injury and illness. In the U.S., 90% of new vehicles offer standard automatic braking. And in 2024, the global advanced driver assistance systems market increased 17% (Statista). Finally, genetic cancer screening and MRI scans, like those offered at a discount to John Hancock customers through their partnership with Prenuvo, enable early detection and better mitigation of health, disability and mortality risk.

    Looking ahead to 2025

    As we move into the holidays, there is reason for optimism. The insurance industry continues to operate from a position of strength. 

  • The Worst Shark Tank Products: 12 Epic Fails Revealed

    The Worst Shark Tank Products: 12 Epic Fails Revealed


    Shark Tank is a reality TV show built around entrepreneurs seeking investments in their companies. Some of these companies go on to achieve success. The worst Shark Tank products went absolutely nowhere and produced nothing but losses for their investors.

    Let’s take a look at some of the lemons that Shark Tank has produced: the worst Shark Tank products.

    Shark Tank: How It Works

    Shark Tank is based on a simple premise. Entrepreneurs bring their business ideas into the Shark Tank and ask for money in return for part ownership of their companies. A panel of investors – the “sharks” – listens to the pitches, analyzes their potential, and decides whether to invest.

    Like all TV shows, Shark Tank was primarily developed for entertainment: viewers get a vicarious thrill out of watching entrepreneurs lay their ideas on the line and seeing some shot down and others walking away with hundreds of thousands in new capital.

    While Shark Tank is all about entertainment, it has been a way for some entrepreneurs to gain both money and publicity, launching their companies to success. It has also launched some spectacular flops. We’ll look at some of the worst Shark Tank products here.

    🦈 Learn more: Explore our roundup of the best Shark Tank products that made it big, from innovative gadgets to groundbreaking services.

    The 12 Worst Shark Tank Products

    Becoming an entrepreneur isn’t as easy as it might first appear. It’s not enough to have a cool idea and bring it straight to market. You need to fully develop your business plan, research the market, identify your target audience, assess the competition, develop an expansion strategy, test the viability of your product, and more.

    These entrepreneurs have failed on at least one of these accounts.

    1. The Breathometer (2013)

    Worst Shark Tank Products: The Breathometer homepage

    At first glance, the Breathometer, developed by Charles Michael Yim, seemed like an ingenious idea. Presented in season 5 of the show (2013), the portable breathalyzer could pair up with a smartphone to read the user’s blood alcohol levels.

    All five of the sharks decided to invest in it, with Mark Cuban, Lori Greiner, Robert Herjavec, Kevin O’Leary, and Daymond John raising 1 million in exchange for just 30% of the business’s equity.

    Problems arose after the investment, though. The business couldn’t meet the heightened demand for the product. The product also failed to meet user expectations, delivering inaccurate results and causing the Federal Trade Commission (FDC) to step in.

    It wasn’t long before the Breathometer had to be taken off the market. The idea went down the drain, along with the money invested by the sharks.

    💵 Learn more: Explore 5 effective ways to get money to start a business, helping you turn your entrepreneurial dreams into reality


    2. CATEapp (2012)

    Worst Shark Tank Products: CATEapp homepage

    In season 4 of the show (2012), the Shark Tank investors heard a presentation from Neal Desai, inventor of CATEapp. Known as the “cheater’s app”, CATEapp offered the ability to hide messages from select contacts, enabling them to only be seen by the phone’s primary user.

    Two of the sharks, Kevin O’Leary and Daymond John, were intrigued enough to raise $70,000 in exchange for 35% equity.

    The app got thousands of downloads after its Shark Tank appearance, but it quickly became clear that the app was laden with bugs and leaked sensitive information. Its features could also be circumvented rather easily. Moreover, it couldn’t compete with similar, more reliable apps that came to market.

    CATEapp is no longer available for downloads, and the money invested in it is gone, making it one of the worst Shark Tank products.

    📱 Learn more: Discover how to make money with your phone using our practical tips and ideas that turn your device into a revenue source.


    3. Sweet Ballz (2013)

    Worst Shark Tank Products: SweetBallz homepage

    Although the investors in Shark Tank have, on multiple occasions, highlighted how risky investing in food businesses can be, Mark Cuban and Barbara Corcoran jumped at the opportunity to invest in Sweet Ballz.

    In season 5 James McDonald and Cole Egger presented their idea: selling delicious little cake balls. The founders received $250,000 in exchange for 25% of their equity, and all was good for a while.

    Unfortunately, though, James and Cole had a falling out and even filed for restraining orders against one another.

    Sweet Ballz, now run by James, is still in business today, though it’s not nearly as successful as it could’ve been had he and his business partner stayed on the same page. Sweet Ballz may not have been one of the worst Shark Tank products, but it was certainly one of the worst partnerships!

    📈 Learn more: Explore the top picks for the best food stocks & ETFs of 2025 to spice up your investment portfolio.


    4. Squirrel Boss (2013)

    Worst Shark Tank Products: Squirrel Boss homepage

    Michael Desanti presented Squirrel Boss in season 4 (2013) of Shark Tank. At its core, it was a simple bird feeder, but it had a feature that would send an electric shock to pests like squirrels to deter them from stealing the bird food. Supposedly, the shock wouldn’t harm the squirrels.

    The main problem was that the product couldn’t differentiate between pests and birds and would shock any animal that came into contact with it, a significant design flaw that could hardly be overlooked.

    Squirrel Boss was also expensive and unpatented, so none of the sharks were willing to invest in it.

    While it was available on Amazon for a while, Squirrel Boss never took off due to its major design flaws and hefty price.


    5. Original Man Candle (2011)

    Worst Shark Tank Products: The Original Man Candle homepage

    The Original Man Candle was the brainchild of Johnson Bailey, who believed that traditional scented candles were too feminine.

    Presenting his idea in season 2 of the show, Johnson tried to differentiate his product by introducing more “masculine” scents that would supposedly appeal to the male target audience.

    Unsurprisingly, none of the “sharks” were interested in investing in the Original Man Candle. That may have been due to the selection of scents offered, which included “popcorn,” “golf course,” and “flatulence,” or due to the lack of a comprehensive business plan.


    6. ToyGaroo (2011)

    Worst Shark Tank Products: Toygaroo homepage

    ToyGaroo is one of the better-known failures from Shark Tank. Originally presented in season 2 (2011), ToyGaroo was founded by Nikki Pope, Young Chu, Hutch Postik, Phil Smy, and Rony Mirzaians.

    The premise behind it was simple. ToyGaroo rented out children’s toys in a subscription-based service. Parents could sign up for the service, rent high-quality toys for a month, return them, and get a new batch, avoiding the problem of spending on toys only to have the kids lose interest.

    Mark Cuban and Kevin O’Leary saw the appeal, committing $250,000 to the venture.

    However, ToyGaroo wasn’t ready for the heightened demand following the episode’s airing. Sourcing high-quality toys and shipping them proved to be more expensive than anticipated, leading the business to go bankrupt in months.

    👉 Learn more: Learn exactly what is bankruptcy and the steps involved in declaring it, in our latest post designed for clarity and insight.


    7. Trunkster (2015)

    Worst Shark Tank Products: Trunkster homepage

    Trunkster was a promising new company that was supposed to disrupt the travel industry. Founded by Gaston Blanchet and Jesse Potash, it brought a new level of technology to a very old product: luggage. The product was a smart suitcase with useful features like a GPS tracking system, USB ports, a digital scale in the handle, and more.

    Presented on Shark Tank in season 7, Trunkster caught the attention of Mark Cuban and Lori Greiner, who invested $1.4 million in exchange for 15% of the company.

    The deal, however, fell through. Trunkster’s apparent $28 million valuation only came from presales on Kickstarter and Indiegogo and aggressive revenue projections. Most of the customers who signed up for preorders never received their high-tech luggage and those who did received poor-quality products that didn’t meet the expectations set up by Trunkster’s marketing campaign.

    💳 Learn more: Explore our top picks for the best no-fee travel credit card options in 2025, perfect for savvy travelers looking to save.


    8. Wired Waffles (2012)

    Wired Waffles homepage

    Wired Waffles was a flop from the get-go. First presented in season 4 of Shark Tank, the business was founded by Roger Sullivan.

    Wired Waffles are caffeine-infused waffles that would supposedly help busy people save time in the morning since they wouldn’t have to make both coffee and breakfast.

    None of the sharks were interested in investing in this. After all, caffeine as a simple ingredient couldn’t be patented. The product didn’t have a pleasant taste, and worst of all, it could be ingested by children by accident.

    Wired Waffles is a perfect example of what happens when entrepreneurs don’t think their ideas through, fail to test the viability of their products and don’t conduct proper market research.


    9. Vestpakz (2014)

    Vestpakz seemed like a promising product when it was presented during season 6 of the show (2014). Michael Woolley and Arthur Grayer created it as an innovative new children’s backpack that would reduce the wearer’s back and shoulder pain.

    Shaped to look like a vest and boasting plenty of storage space, it seemed like the perfect product. Unfortunately, though, no shark wanted to invest in it.

    Despite Vestpakz being available in Walmart stores, the sales were abysmal. The ratio between its manufacturing costs and selling price was too low, and there was minimal consumer demand. Ultimately, Vestpakz went out of business.


    10. Cougar Energy (2012)

    Cougar Energy homepage

    Cougar Energy was a product developed by Ryan Custar and presented to Shark Tank investors during season 3 (2012). As its name suggests, it was an energy drink designed for “cougars”, aka middle-aged single women.

    Supposedly, the drink wouldn’t only bring the consumer’s energy levels up, but it would also positively affect the hair and nails. Moreover, it boasted “anti-aging” ingredients, though none of these claims were scientifically supportable.

    Cougar Energy received no investments in Shark Tank. None of the investors believed there was a market for such a product, nor did they believe it would stand up to competitors. With low sales and plenty of negative comments on Amazon and social media, it was apparent that the investors were right.


    11. Wake N Bacon (2011)

    Wake N Bacon was first presented by Matty Sallin in season 2 of Shark Tank. It was an alarm clock/oven that would start cooking bacon 10 minutes before wake-up time, thus waking the user up to the sweet smell of bacon.

    The concept gained popularity online before Matty came on the show, with plenty of people asking to buy it.

    However, the sharks saw it as a gag gift that would have few legitimate users. Moreover, it quickly became apparent that Matty hadn’t thought the whole concept through. There were no safety guards that would minimize fire risks, for instance.

    Matty hadn’t come up with a selling price. He hadn’t developed a plan that would help him sell more units after creating a prototype and had no sales projections.

    All he had was an idea for a product and no plans to help him market and sell it. Despite many online consumers expressing a desire for Wake N Bacon, the business fell through because there really wasn’t a business there in the first place, just an idea.


    12. Foot Fairy (2013)

    Foot Fairy homepage

    Foot Fairy was presented during season 5 of Shark Tank. Inventors Sylvie Shapiro and Nicole Brooks developed an app to help parents measure their children’s feet and buy suitably sized shoes for them, thus minimizing the risks of common foot issues.

    Foot Fairy would be free to use, and the company would earn commissions from popular stores like Zappos.

    However, despite the app having thousands of downloads prior to Sylvie and Nicole’s appearance on Shark Tank, the two had earned no commissions.

    While the concept, at its core, seemed interesting enough, there were a couple of issues that deterred the sharks from investing in it. The app was easy enough to copy, which would deter any major retailers from offering commissions for it. Moreover, it would have been a much more viable business plan for Sylvie and Nicole to develop their own brand of footwear and use Foot Fairy to increase their sales.

    Although one of the sharks did offer a deal, it never came to fruition, and Foot Fairy is no longer available.


    Conclusion

    While there are a couple of outrageous Shark Tank pitches on this list, some would likely have proven to be lucrative had the entrepreneurs developed their ideas better. After all, having a great product idea is never enough to ensure the success of a business. Entrepreneurs always have to conduct thorough market, competitor, and audience research. They need to test their products’ viability, develop expansion strategies, and develop comprehensive business plans if they hope to attract customers and investors.

  • Best Products for Energy + Recovery

    Best Products for Energy + Recovery


    Summer is all about enjoying yourself and spending time in the sun—and the last thing you want is to feel sluggish while trying to soak it all in. Whether you’re working out in the heat, traveling more, or just trying to stay consistent with your wellness goals, having the right supplements in your routine can make all the difference. 

    Here are the best supplements to help you power through your summer workouts and recover like a pro:

    For Bloat Free Confidence = Bloat Be Gone

    Beach days and summer outfits call for confident vibes—and nothing kills that faster than feeling bloated. Bloat Be Gone is your secret weapon this summer. It works fast to relieve bloating and support gut health, whether it’s from indulgent meals, travel, or hormones.

    Why You Will Love Her:

    • Fast-acting relief for digestive discomfort

    • You can use daily or as needed

    • Helps support long-term gut health too

    How to Use:

    Take 2 capsules before or after meals that tend to trigger bloating (like indulgent, greasy, or high- fiber meals), or during your menstrual cycle or travel days.

    Why:
    Helps your body process food more easily, reduces gas and water retention, and soothes
    digestive discomfort quickly so you can feel your best fast.

    For Clean Energy All Day = Pep Rally Energy Boost

    If you want a natural, jitter-free boost to power your workouts or busy summer days, Pep Rally is your go-to. With 100mg of clean caffeine, metabolism-boosting benefits, and zero sugar, this delicious tangerine-flavored powder is perfect for pre-workout or a mid-afternoon pick-me-up.

    Why You Will Love Her:

    How to Use:

    Mix one stick pack with 8-12 oz of cold or hot water. Perfect for pre-workout, a mid-afternoon pick-me-up, or any time you need a clean energy boost.

    For Recovery + Lean Muscle = LSF Protein Powders

    Protein is essential year-round, but especially in summer when workouts tend to get more intense and recovery becomes key. Our Organic Vanilla, Chocolate, and Peanut Butter Plant Protein Powders are smooth, delicious, and made with clean ingredients. They support muscle recovery, keep you fuller longer, and blend perfectly into smoothies, snacks, desserts, and more! 

    Why You Will Love Her:

    • Plant-based, non-GMO, and easy to digest

    • Helps repair muscle after strength or HIIT workouts 

    For Mood + Stress = Miss Congeniality Mood Boost

    Hot days, social calendars, and general life stress can leave you feeling overwhelmed. Miss Congeniality is our go-to for balancing mood, improving focus, and reducing anxiety. Add it to coffee, smoothies, oatmeal, and more!  

    Why You Will Love Her:

    Recipe: 

    Happy Girl Coffee

    INGREDIENTS:
    8-12oz of coffee
    1 scoop Miss Congeniality
    1⁄4 cup steamed milk of your choice

    For Glowy Summer Skin = Natural Beauty Collagen

    Your skin takes a beating in the summer with extra sun, sweat, and travel. Natural Beauty helps replenish hydration, boost elasticity, and reduce hormonal breakouts from the inside out. Mix it in smoothies or sip it solo for skin that’s as glowy as your vacation pics.

    Why You Will Love Her:

    How to Use: 

    Mix one scoop into water or your favorite smoothie. Enjoy daily for a glow-from-within effect.

    For Deep, Restorative Sleep = Slumber Party Sleep Boost

    You can’t recover if you’re not sleeping well. And let’s be real—long summer days can throw off your bedtime routine. Slumber Party is your gentle, non-habit-forming sleep aid that helps you wind down, sleep deeper, and wake up refreshed.

    Why You Will Love Her:

    Nightcap Recipe:

    INGREDIENTS:
    1 scoop Slumber Party
    1 cup warm almond or oat milk
    Pinch of cinnamon or nutmeg

    Feel Good All Summer Long

    The secret to feeling amazing all summer long = Consistency with supplements that support your body from the inside out. Whether you’re looking for more energy, better recovery, or simply to feel your best in your skin, these LSF favorites are here for you! 

    Stay energized, recover smarter, and sweat with confidence this summer.

    Join our Summer Shape Up Challenge to pair these supplements with workouts and nutrition to get your DREAM Summer body!

     



  • Club World Cup bracket 2025: Live updates from the Round of 16

    Club World Cup bracket 2025: Live updates from the Round of 16


    The 2025 Fifa Club World Cup finished off the group stage and the knockout bracket is officially set. The group stage consisted of 32 clubs from around the world competing in eight groups. The top two in each group advanced to the knockout bracket where they were seeded based on whether they finished first or second in their group.

    The order of tiebreakers for teams tied in the group stage is first points obtained in the matches played between the teams in question, then goal difference in the matches played between the teams in question, and then the number of goals scored in the matches played between the teams in question. If there is a tie remaining after that, it goes to total group stage goal differential, then total goals scored in group play, then team conduct in group play, and finally the drawing of lots.

    Full Fifa Club World Cup odds are available at FanDuel Sportsbook.

    2025 Fifa Club World Cup bracket

    Round of 16

    Match 1: Palmeiras 1, Botafogo 0 (AET)
    Match 2: Benfica vs. Chelsea
    Match 3: Inter Milan vs. Fluminense
    Match 4: Manchester City vs. Al Hilal
    Match 5: Paris Saint-Germain vs. Inter Miami CF
    Match 6: Flamengo vs. Bayern Munich
    Match 7: Borussia Dortmund vs. Monterrey
    Match 8: Real Madrid vs. Juventus

    June 28 update: Palmeiras edged out Botafogo in the first match of the knockout bracket. The squads were scoreless through regulation and then the first nine minutes of extra time. Paulinho finally put Palmeiras on the board in the second half of extra time at the 100th minute. Gustavo Gómez received a second yellow card at the 116th minute, which meant he had to leave the game, leaving Palmeiras with ten men on the pitch. Botafogo could not take advantage over the final ten minutes of match time and Palmeiras advanced.

    Quarterfinals

    Match 9: Palmeiras vs. Match 2 Winner
    Match 10: Match 3 Winner vs. Match 4 Winner
    Match 11: Match 5 Winner vs. Match 6 Winner
    Match 12: Match 7 Winner vs. Match 8 Winner

    Semifinals

    Match 13: Match 9 Winner vs. Match 10 Winner
    Match 14: Match 11 Winner vs. Match 12 Winner

    Final

    Match 15: Match 13 Winner vs. Match 14 Winner

    June 20 update: Bayern Munich clinched advancement from Group C with a 2-1 win over Boca Juniors. Bayern Munich faces Benfica on June 24 and if the German club wins or draws, they will claim the group. Flamengo won Group D with a 3-1 win over Chelsea. With wins over Chelsea and Espérance de Tunis, Flamengo clinched the head-to-head tiebreaker over the two squads tied behind them.

    June 22 update: Juventus and Manchester City clinched advancement out of Group G with wins in their first two matches. They face off in the final round of group play, but the their wins eliminated Wydad AC and Al Ain in group competition.

    June 23 update: PSG beat Seattle Sounds FC 2-0 while Atlético Madrid beat Botafogo 1-0. That left a three-way tie for first with each team having six points. Due to a split of matches between the three, the tiebreaker moved to head-to-head goal difference. PSG won that (+3) while Botafogo took second place (+0) ahead of the eliminated Atlético Madrid (-3). Palmeiras and Inter Miami CF both played their final group matches to a draw to secure advancement to the knockout stage.

    June 24 update: Benefica defeated Bayern Munich 1-0 to win Group C. The German side claimed the second knockout stage berth from the group. Chelsea beat Espérance de Tunis to claim second place behind Flamengo in Group D.

    June 25 update: Borussia Dortmund beat Ulsan to win Group F while Fluminense claimed a draw to advance. Inter Milan knocked out River Plate and claimed Group E, while Monterrey advanced with a big win over Urawa Red Diamonds.

    June 26 update: Manchester City defeated Juventus to secure the top spot in Group G. Real Madrid beat RB Salzburg to win Group H, while Al Hilal beat Pachuca to move past RB Salzburg for second place.

    Who has advanced

    Group A: Palmeiras*, Inter Miami CF**

    Group B: Paris Saint-Germain*, Botafogo**

    Group C: Benfica*, Bayern Munich**

    Group D: Flamengo*, Chelsea**

    Group E: Inter Milan*, Monterrey**

    Group F: Borussia Dortmund*, Fluminense**

    Group G: Manchester City*, Juventus**

    Group H: Real Madrid*, Al Hilal**

    *: Group winner
    **: Group runner-up

  • Michigan Suit Alleges Teacher Humiliated Student for Refusing Pledge of Allegiance

    Michigan Suit Alleges Teacher Humiliated Student for Refusing Pledge of Allegiance


    The American Civil Liberties Union filed a lawsuit Wednesday on behalf of a 14-year-old student who said a teacher humiliated her for refusing to stand for the Pledge of Allegiance in protest of U.S. support of Israel’s war in Gaza.

    Danielle Khalaf’s teacher told her, “Since you live in this country and enjoy its freedom, if you don’t like it, you should go back to your country,” according to the lawsuit.

    Danielle, whose family is of Palestinian descent, declined to recite the Pledge over three days in January.

    “We can only marvel at the conviction and incredible courage it took for her to follow her conscience and her heart,” ACLU attorney Mark Fancher said.

    The lawsuit says her teacher admonished her and told her she was being disrespectful.

    As a result, Danielle “suffered extensive emotional and social injuries,” including nightmares, stress and strained friendships, the lawsuit says.

    The ACLU and the Arab American Civil Rights League said Danielle’s First Amendment rights were violated, and the lawsuit seeks a financial award.

    “It was traumatizing, it hurt and I know she could do that to other people,” Danielle said at a news conference in February, referring to the teacher’s treatment.

    At that time, the school district said it had taken “appropriate action,” though it didn’t elaborate.

    “Discrimination in any form is not tolerated by Plymouth-Canton Community Schools and is taken very seriously,” the district said.

    The school district declined Wednesday to comment further, citing the litigation.

    Michigan has more than 300,000 residents of Middle Eastern or North African descent, second in the U.S. behind California, according to the Census Bureau.

    Copyright 2025 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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    Lawsuits
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  • Volta Stock Rises or Falls After News of Being Acquired? – GrowthRapidly

    Volta Stock Rises or Falls After News of Being Acquired? – GrowthRapidly


    Volta Stock Rises or Falls After News of Being Acquired? – GrowthRapidly


    January 18, 2023
    Posted By: growth-rapidly
    Tag:
    Uncategorized

    What happens to Volta (VLTA) stock price now that it is being acquired by Shell?

    The short answer is that Volta stock’s price will likely rise.

    At least in the short-term.

    By now, you have heard the news: Shell is acquiring Volta for $169 million through a full cash purchase. The transaction is set to close in the first half of 2023.

    So, you may have a lot of questions.

    A few of them might be: what happens to the stock price now? Will it rise or fall? When will the deal be approved? What happens to my shares when it happens?

    Here are some brief answers:

    Typically, when one company acquires another, the target company’s stock rises because the acquiring company pays a premium for the acquisition, so it can provide an incentive for the target company’s shareholders to approve the acquisition.

    In this case, Shell has offered to acquire Volta at $0.86 a share. The stock will likely rise up to near the full deal price as the closing date of the transaction approaches. The main reason for this is because the shareholders will only agree to the deal if the purchase price exceeds their company’s current value.

    On the other hand, the acquiring company’s stock (in this case, the Shell stock), usually falls immediately following an acquisition.

    That is because the acquiring company often pays a premium for the target company, exhausting its cash reserves and/or taking on significant debt in the process.

    What happens to my shares after the closing?

    There is no closing date yet. Volta has not announced one and there is also the possibility that the deal may not go through as the shareholders have to vote to approve it.

    Regardless, if you hold your shares through the transaction date, you probably won’t have to do anything. Shell announces that the transaction will be paid in cash.

    Therefore, the shares should disappear from your account on the date of closing, and be replaced with cash. It’s that simple.

    In conclusion, the stock price of Volta will likely rise since Shell will pay a premium on its share as a way to entice shareholders. However, the stock price of Volta may also fall on the news since Volta has been going through financial turmoil and, as a result, is being bought at a discount.