Blog

  • Newcomers get chance to prove worth as Cool Smashers lead On Tour cast

    Newcomers get chance to prove worth as Cool Smashers lead On Tour cast


    Newcomers get chance to prove worth as Cool Smashers lead On Tour cast

    Being forced to hand over the previous PVL All-Filipino Conference crown did not diminish everything that Creamline has accomplished, but it did put some pressure on the 10-time champions this season.

    “I think we have a different pressure right now,” Alyssa Valdez said. “Coming into this (PVL On Tour), we actually fell short [in] the last conference.”

    Article continues after this advertisement

    “The motivation of every one is very different. The pressure we feel right now is really different. But, in the end, I think we have to stick by our mantra to just give the best in every game. And of course, always have good vibes,” Valdez added.

    After completing the first-ever league Grand Slam last year, the Cool Smashers’ dynastic reign was halted by Petro Gazz last April.

    And Creamline is looking at this preseason showcase as a chance to recalibrate, especially with new faces now in their roster to backstop the veterans, before the real thing kicks off later in the year.

    The Cool Smashers star in the night cap of the first day of the On Tour in Vigan City, Ilocos Sur province, against Capital1 Solar Spikers. And coach Sherwin Meneses will be looking at what his young guns are made of.

    Article continues after this advertisement

    The Grand Slam winners loaded up on middle blockers after drafting former National University Lady Bulldog Sheena Toring and Nica Celis from the University of the Philippines.

    “Coming from good universities in terms of their programs in sports, I am happy to see that these two girls are very willing to listen and to learn,” Valdez said. “It’s one of the best qualities you want if you’re coming into a team setup. So, that’s one of the things I see in them.”

    “These two kids are very nice. With Sheena, you wouldn’t know she comes from a winning team in the UAAP. She’s a really hard worker. And on the other side, Nica is always ready for all the feedback that we’re trying to tell her. The future is bright for these two and hopefully, they can contribute a lot to the team,” the multititled hitter said.

    Article continues after this advertisement

    It could also be the game that confirms whether Mich Gamit, formerly of ZUS Coffee, has jump-shipped to the Cool Smashers.

    This also marks Jorge Edson Souza de Brito’s return to the pro ranks, now with the Solar Spikers. But the star power may take a bit of a hit with this year’s top rookie Bella Belen expected to be out due to national team duties.

    But Capital1 has also been busy in the free agent market, signing Jerrili Malabanan, KC Galdones and Rachel Austero to backstop Trisha Genesis, Iris Tolenada and Roma Mae Doromal.

    Meanwhile, Akari, which now has new faces on the sidelines with Tina Salak as the new head tactician, assisted by Far Eastern U men’s coach Eddieson Orcullo, opens the preseason tilt against Cignal.

    The HD Spikers added to its lineup Erika Santos and Tine Tiamzon, along with prized rookie Erin Pangilinan.



    Your subscription could not be saved. Please try again.



    Your subscription has been successful.



  • Get legal malpractice insurance – a how-to guide

    Get legal malpractice insurance – a how-to guide


    For lawyers and attorneys, legal malpractice insurance is an absolute must-have policy. That’s because malpractice claims are an unfortunate reality for most lawyers — in fact, the ABA estimates that four out of five lawyers face at least one malpractice lawsuit at some point in their careers. Not only does this insurance protect lawyers from costly claims, but in many cases, it is a legal requirement. Whether you run a solo practice or a large firm, having a legal malpractice policy is essential for just about every attorney. 

    In this comprehensive guide, we’ll walk you through the process of getting legal malpractice coverage and provide some helpful tips for choosing the right policy for your practice.

    Guide to purchasing legal malpractice insurance

    Recently started a new law practice? Or simply shopping around for a new insurance provider? Purchasing legal malpractice insurance — also known as lawyers professional liability (LPL) insurance — is a rite of passage for essentially every attorney. You can think of this coverage like a parachute. You hope you never have to use it, but you’ll be glad you have it if things go south.

    While getting insured isn’t rocket science, finding the right policy is a bit more of a challenge. Here is our step-by-step breakdown on how to get legal malpractice insurance.

    Step 1: Evaluate the risks your firm faces

    Before you start shopping around for the right policy, analyze which risks pose the biggest threat to your firm so that you can invest in sufficient coverage for each risk area.

    These are some of the most common risks that law firms face:

    Mistakes and oversight

    Have you ever found yourself buried in deadlines and client matters? The harsh reality is that even the most seasoned lawyers make mistakes. For legal professionals, a misinterpretation of a law or a missed filing deadline could spell disaster, leading to severe consequences for both you and your clients. A single error, no matter how small, can lead to costly lawsuits that could potentially destroy your law firm’s reputation and lead to financial ruin.

    Area of practice

    Your specific legal practice has a huge impact on the type and level of risks your firm is exposed to. Some legal practices are more susceptible to malpractice claims than others. Take these, for example:

    • Corporate law: Risk of legal disputes, especially if contracts contain errors or omissions.
    • Personal injury: Higher risk of dissatisfied clients, particularly when settlements or verdicts don’t meet expectations.
    • Estate planning and family law: Improperly documenting cases or failing to anticipate legal complications can lead to claims.

    Data risks

    Law firms handle a lot of sensitive client information, making them prime targets for cybercrimes. A data breach can expose confidential legal documents or financial records, leading to costly lawsuits and reputational damage.

    While legal malpractice insurance won’t cover most cybersecurity threats, it is important to make sure your firm is aware of the risks posed by cybercrime and data breaches.

    To ensure your firm is protected against cyberattacks, invest in a cyber liability insurance policy in addition to your LPL.

    Technological risks

    Law firms have increasingly begun using technology and software for case management and client communication. These technological improvements make legal processes more efficient — unfortunately, they also expose firms to even more risk.

    A software glitch, lost data, or misfiled documents can cause your firm to miss deadlines and receive court sanctions, both of which can open you up to a malpractice suit.

    Step 2: Determine the best type of legal malpractice insurance for your firm

    Judge's gavel resting on a desk

    Not all legal malpractice policies are created equal. While all policies cover claims stemming from professional errors, the scope of the protection and the coverage terms will vary from policy to policy. So, be intentional about the type of professional liability insurance you choose by considering these different factors before you make a commitment:

    • Policy limits
    • Policy period
    • Deductibles
    • Retroactive date for prior acts
    • Tail coverage

    One final important factor you’ll need to consider is whether to invest in a claims made or occurrences policy.

    Claims made

    Claims-made policies are the most common type of legal malpractice insurance. With this type, the policy only covers claims filed during the active policy period — regardless of when the incident occurred. This means if you cancel or switch insurers, you’ll likely need to purchase tail coverage to protect against future claims.

    Occurrence

    An occurrence policy covers claims based on when the alleged malpractice took place. This means that even if the claim is filed after the policy expires, the insurer would still cover it. This type of policy offers long-term protection for past work, but it is less common in legal malpractice insurance and typically comes with higher premiums.

    Step 3: Find a reputable insurer

    Once you’ve determined the type of malpractice coverage you need and have chosen policy terms that fit your firm’s needs, it’s time to find a trusted insurer. Not all insurance providers offer the same level of protection, financial stability, or customer service, so it’s important to choose wisely. 

    Navigating the insurance industry and comparing providers can feel like searching for a needle in a haystack. At the surface level, most providers may seem the same, but the fine print makes all the difference.

    Here are some of the most important things to consider when looking for reputable insurance companies:

    • Financial strength: You should always check an insurer’s rating on trusted rating services such as AM Best, Moody’s, and Standard and Poor’s. These rating systems assess the insurer’s financial strength.
    • Industry reputation: Choose a company with a solid history of working with law firms and a good reputation in the legal industry.
    • Reviews: A provider may look great on paper, but first-hand insights from other attorneys are a great way to look for red flags and filter out insurers with a poor track record.
    • Customer support: If an issue arises, you’ll want an insurer with helpful and responsive support, not one that leaves you in an endless phone queue.
    • Claims handling process: You obviously want an insurer that can handle claims effectively and efficiently. The last thing you want is to get stuck with a provider that makes the process unnecessarily complicated.
    • Check state regulations: Not all professional liability providers are licensed to provide insurance in every state. Make sure that the policy you purchase is valid in your state.

    Use a broker to help streamline the process

    With so many different policies out there, finding the right legal malpractice insurance can be time-consuming. Hiring an insurance broker can help simplify the process. Brokers can do much of the heavy lifting for you. And since most brokers are insurance experts, they can help you negotiate better coverage options.

    At Embroker, we have extensive experience with law practices like yours and understand the nuances of legal malpractice insurance — and as a full-service brokerage, we can help you get the right coverage at the best price.

    Step 4: Fill out an application

    Man looking down at his tablet device

    Found a legal malpractice policy that fits your needs? Now, it’s time to actually apply for coverage through an insurer.

    Applying for professional liability insurance is pretty straightforward, but it’s important to be thorough with your answers as they can impact your policy terms and premiums.

    Insurers will typically ask for information about your firm’s size, areas of practice, personal information about each attorney in your firm, and your claims history. You’ll also generally need to provide information about your risk management processes so that the insurer can assess how well your firm mitigates risks.

    Step 5: Wait for an underwriter to review your application

    The final step in getting legal malpractice insurance is to submit your application and wait for the insurer’s review and approval. The amount of time it will take for an underwriter to review the application varies from company to company, but most insurers complete the process within one to three business days.

    During this review process, the insurer will assess the risks your company faces and determine how risky your firm is to insure. After analyzing your firm’s risk profile, the underwriter will determine your eligibility, policy limits, and premiums.

    Here are some of the outcomes you can expect to receive from the insurer:

    • Approval with standard terms: The underwriter approves your application based on the typical coverage terms and rates.
    • Approval with modifications: The insurer may adjust policy limits or deductibles if your firm faces higher levels of risk or unique threats.
    • Request for additional information: The provider may need clarification before making a final decision on your policy and may ask more questions.
    • Denial of coverage: In some cases, the insurer may determine your firm is too risky and will decline coverage.

    Factors influencing legal malpractice insurance premiums

    Piggybank and coins to represent cost of legal malpractice insurance

    There are many factors that affect the cost of legal malpractice insurance. Anticipating what you’ll pay without getting a quote from an insurer can be nearly impossible, but here are some of the key aspects of your business that can influence the cost.

    Practice area

    As a general rule, the riskier the practice, the heftier the premium. For example, an estate planning attorney will likely pay a fraction of what a personal injury lawyer does. After all, drafting wills is far less likely to spark a malpractice claim than a high-stakes lawsuit. 

    LPL step rating

    The LPL step rating is a pricing model in which insurers gradually increase premiums over the first few years of coverage before stabilizing. This is because legal practices tend to become riskier to insure as attorneys take on more cases.

    Size of firm

    The more attorneys in a firm, the more cases you’ll have — this significantly increases the potential for malpractice claims. So, it shouldn’t come as a surprise that larger firms tend to pay higher premiums.

    Claims history

    As with essentially all other types of insurance, your past claims follow you and can have a major impact on your malpractice insurance premiums going forward. An attorney with a clean claims record will typically pay lower premiums. Conversely, if you have an extensive history of malpractice claims, you should expect to pay more.

    Policy limits

    Another factor that plays a role in your premium is the amount of coverage you purchase. Most small and medium-sized law firms won’t need more than $1 million in coverage, but this may not be adequate for larger firms that face more risk. 

    Other factors influencing malpractice insurance cost

    • Risk management processes
    • Location
    • Hours worked
    • Deductible amount
    • Continuity of coverage

    How to reduce legal risks: Best risk management practices for lawyers

    Your insurance policy is a last resort, a safety net that protects your firm in the worst-case scenarios. Implementing strong risk management practices is the best way to prevent claims before they happen.

    Here are some of the best ways to reduce legal risks and prevent legal malpractice claims.

    Communicate clearly

    Clear communication with clients and partners is the foundation of effective legal advocacy. Miscommunication is one of the easiest ways to land your firm in legal trouble. Be direct and precise when discussing cases with clients, and never assume they understand legal jargon.

    Document everything

    Properly documenting all client communication is your best defense against a legal malpractice claim. If a client ever disputes your work, detailed records, such as engagement letters, fee agreements, and case notes, can protect your firm and support your case.

    Manage client expectations

    It’s tempting to make bold promises to win clients, but overpromising can quickly backfire. Be upfront with clients about potential outcomes, risks, and timelines from day one. At the end of the day, it’s better to set realistic expectations than to deal with an angry client who feels misled when things don’t go as planned. 

    Be choosy with clients

    Early in your legal career, it’s easy to feel pressured to take on every client who walks through the door. The fact of the matter is that not every potential client is worth the risk. If a client seems overly demanding or has a history of suing attorneys, consider walking away. Trust your instincts. Some cases just aren’t worth the headache or liability.

    Check for conflicts of interest

    Representing clients with conflicting interests is a surefire way to land yourself in a malpractice suit. This can lead to major ethical violations and malpractice claims. Always run a thorough conflict of interest check before taking on a new case. Even an unintentional conflict can create serious legal issues for your firm.

    Protect your firm with legal malpractice insurance

    Without legal malpractice insurance, your firm will be going bare against claims. Without insurance, a single lawsuit could set your firm back hundreds of thousands of dollars — not to mention the crippling damage to your reputation.

    At the end of the day, legal malpractice insurance isn’t optional, and no attorney can afford to go without it.

    Apply online today and get a quote to secure the protection your firm deserves.


  • Warren Buffett’s Exit Proves We’ve Been Thinking About It All Wrong

    Warren Buffett’s Exit Proves We’ve Been Thinking About It All Wrong


    Over the weekend, Warren Buffett announced that he was going to retire at the end of this year. After 60+ years of running Berkshire Hathaway, Buffett told everyone at the annual shareholder’s meeting that he was to retire at the end of the year and that Vice Chairman Greg Abel should take his place.

    Warren Buffett is 94 years old.

    Like many, I’ve been a fan of Warren Buffett for decades and have read the opening pages of his annual shareholder letters for just as long. They’re fantastic because they’re written in plain English, outline his thesis often, and filled with fun little anecdotes and Buffetisms.

    Through that time, I’ve already read the criticisms of him, such as how his investment style was out of touch, but it seemed he never did. And now he leaves Berkshire Hathaway in a strong financial position, nearly $350 billion in cash, and returns that easily trump the S&P 500 over his tenure.

    Annual Percentage Change
    in Per-Share Market Value of Berkshire
    Annual Percentage Change
    in S&P 500 with Dividends
    Included
    Compounded Annual Gain – 1965 – 20024 19.9% 10.4%
    Overall Gain – 1965 – 20024 5,502,284% 39,054%

    (from page 15 of the 2024 letter)

    For many, retirement is a carrot that is dangled in front of your face to keep you working. Call it a myth, a lie, or any other word… but it’s to keep you doing something you don’t want to do so you can reach “retirement” when you can start doing what you want to do.

    But here’s what we can learn from someone who was one of the best investors of all time and who retired when he was 94 (or at least declared his intentions to retire):

    When You Love It, You Don’t Need a Carrot

    For all the articles you’ll read about how early retirement is great, one thing they miss is that some people don’t want to retire.

    It feels good to do what you’re really good at and Warren Buffett is really good at investing!

    Retirement isn’t a carrot when you love what you do.

    Very few people can and want to retire in their prime. Famously, NFL great Jim Brown retired in his prime and people were shocked. There are stories as to why but ultimately he would move on from the brutal sport to pursue something he could do for much longer – acting.

    In sports, the trope is that some people play too long. In a physical endeavor, and one in which they send out a legion of young athletes every year, only the exceptional performers last longer than a few years. Some stay a little too long and the toll on the body and mind is tremendous.

    Given Buffett’s performance, you could argue he’s still in his prime at 94.

    It’s Your Life, Do What You Want

    I don’t know what Warren Buffett’s life is like privately. Yes, I’ve read he has a mistress but that his wife was OK with it until she passed. Then he married the mistress. They signed Christmas cards together, everyone seems cool with it, good for them!

    It’s easy for me to assign my values to his life. I don’t want a mistress. Neither does my wife! Which are two big reasons why we don’t live this way but that’s our life, not his.

    And one of the most revelatory times in your life is when you realize you are in control and should decide what you want for yourself and the people you care about. Like Neo unplugging from the Matrix.

    Working until you’re 94 may not be what you want… but he seemed to enjoy it!

    It’s his life and what seemed to give him the most energy was being an investor.

    Being Great for Decades Offers Opportunities

    Warren Buffett was so good for so long that he was given opportunities not afforded too many others. And no matter who you are, being asked to a dance feels nice.

    Courtesy of Trung Phan on X, I learned that Warren Buffett was given the “opportunity” to try to save Lehman Brothers during the 2008 crisis:

    There are so many great parts of this story (unless you’re Lehman) like him using a flip phone, not checking his voicemail, people looking for a fax, not getting the report and then getting it, printing it out and redlining it, follow by “We were not in a position to lend.” 🤣

    In the biggest financial crisis in quite some time, imagine being asked to be the backstop. And then saying no.

    Also, important to note that during this, he did back Goldman Sachs… who is still around today.

    Motivation = Autonomy, Mastery & Purpose

    Motivation is a funny thing – sometimes we wake up with a ton of it, sometimes we wake up with none, and it doesn’t seem to make sense as to why.

    That was until I discovered this fun 11-minute talk, given and then animated by The Royal Society for the Encouragement of Arts, by Daniel Pink. In this talk, he explains the three factors that lead to better performance – autonomy, mastery, and purpose.

    When I think about why I work, it matches up. It also matches up with why it seems that Warren Buffett has worked well into his nineties.

    He has all three.

    Retirement Is A Lie

    Now that I’m in my forties, I know a lot of people who have “retired.”

    It’s one thing to retire from a stressful job or one that you hate (so the carrot is nice!), but leaving a job that you enjoy or one that gives you energy is challenging. You have to find it elsewhere.

    Also, there’s something “easy” but going to work. You don’t have to figure out what you want out of your day, it’s socially acceptable to just “go to work.” It’s a transition that can be very difficult.

    This is especially true if you’ve worked all your life. You went through 12 years of primary and secondary school, maybe 4+ years of higher education, then decades of work. In school, you listened to teachers, the syllabus, and followed graduation requirements. At work, you listened to your boss, followed a promotion track, and were a diligent worker.

    When you finally reach that carrot, it feels good. At least for a little while. Then, you have to find your motivation to get out of bed in the morning.

    When you remove all those guardrails and the dangling carrot, you’re not equipped to figure out what you want to do. It’s like rehabilitating an injured wild animal and reintroducing them back into their natural habitat, it’s not always a great situation.

    So for every article you read about how early retirement is amazing, just remember that it’s not the worst thing in the world to work longer.

    Especially if you’re the best at what you do, you can do it on your own terms, and you love it.

    Happy trails Warren Buffett, you’re a legend.



  • Comprehensive Senior Care Tailored To Individual Needs

    Comprehensive Senior Care Tailored To Individual Needs


    What does it take to make daily life easier and safer for seniors? Aging comes with challenges that often require more attention and care. Many older adults need help with tasks, but still want to keep their independence.

    Families often search for solutions that offer peace of mind and comfort. That’s where personalized senior care steps in. With the right care plan, seniors can feel supported, safe, and respected every day.

    This blog explains how tailored senior care meets individual needs and how it can greatly improve wellbeing and quality of life. Read on!

    Understanding What Personalized Senior Care Means

    Personalized senior care is care designed around an individual’s unique needs and lifestyle. This includes their health, habits, preferences, and personality.

    Whether it’s help with daily tasks or medical support, care is adjusted to fit the person. It’s not about one-size-fits-all – it’s about what works best for each senior. When care is personal, it creates a better experience, more comfort, and stronger trust between the senior and the caregiver.

    Daily Living Help That Respects Independence

    Many seniors need help with everyday tasks such as bathing, dressing, or preparing meals. The goal is to offer this help while still encouraging them to do what they can on their own.

    Caregivers are trained to assist gently, making sure seniors feel in control. Keeping that sense of independence can boost confidence and happiness. Simple acts of support can make a big difference in how seniors feel about their day.

    Emotional Wellbeing and Companionship

    Senior care is not just about physical needs- it includes emotional health, too. Loneliness is common among older adults and can lead to depression.

    Regular conversations, shared activities, and kind interactions help seniors feel connected. Caregivers often become trusted companions who brighten their days. Emotional support is just as important as medical help, and both work together to keep seniors feeling well.

    Safety First In The Home Environment

    A safe living space is key to helping seniors stay independent. Many homes are not built with older adults in mind, which can lead to falls or injuries.

    Care providers can assess the home and suggest changes like grab bars, better lighting, or removing trip hazards. Caregivers are also alert to safety risks during their visits. These steps reduce accidents and make daily life safer and easier.

    Health Monitoring And Medication Support

    Managing health and medications can become harder with age. Personalized care can include help with taking the right medicine at the right time.

    It may also involve monitoring blood pressure, sugar levels, or other conditions. Having someone to notice small health changes can prevent bigger problems. Supportive senior care ensures seniors follow their health plans while reducing stress for families.

    Working With Families For The Best Results

    Good senior care includes working closely with families to understand needs and preferences. Family members often know what helps their loved ones feel at ease.

    Caregivers listen, ask questions, and keep families updated on progress. This teamwork creates a care plan that works for everyone involved.

    Comprehensive Senior Care To Enhance Daily Living

    Comprehensive senior care tailored to individual needs goes beyond basic assistance, creating comfort, dignity, and peace of mind. By meeting each senior where they are, caregivers can build trust and support a better daily life.

    It’s about more than tasks- it’s about care that feels right and respectful. Families also benefit from knowing their loved ones are in good hands. With the right plan, every senior can feel valued and safe.

    Did you like this guide? Great! Please browse our website for more!



  • Best Employee Communications Software: My Top 5 Picks

    Best Employee Communications Software: My Top 5 Picks


    “Communication at our workplace is timely, accurate, and open,” said no one ever.

    That gap between what companies think they’re communicating and what employees actually receive? It’s real and it’s messy. I’ve seen it lead to missed updates, unclear priorities, and disengaged teams that feel completely out of the loop. . More often than not, it traces back to one thing: not using the best employee communications software.

    And I’m not alone: 60% of internal communications pros say employee engagement is only moderate, and 72% still find it hard to prove internal communication is working at all.

    So I went looking for tools that could help bridge that disconnect. I explored 20+ internal communication tools to find the best employee communications software for 2025.

    Fair warning: this isn’t a list of the usual suspects. You won’t find email, Slack, or Microsoft Teams here. I’m not looking into collaboration and messaging tools we’ve all tried to force into comms strategies.

    I’m talking about purpose-built platforms designed for employee communication — ones that help share updates, gather feedback, engage frontline workers, and actually reach people where they are. Many go beyond messaging to include scheduling, surveys, recognition, mobile access, and company-wide broadcasts.

    Because let’s be honest, when your workforce is dispersed across shifts, locations, or devices, hoping they’ll catch a memo buried in a sea of DMs isn’t just ineffective, it’s a risk.

    Here’s what stood out, with G2 data guiding every step.

    (more…)

  • Menopause Weight Gain: What Actually Works

    Menopause Weight Gain: What Actually Works


    Reviewed by Helen Kollias, PhD and Brian St. Pierre, MS, RD


    At some point in my mid-40s, the scale started climbing.

    A pound or two turned into five, then 10, then 20.

    It seemed as if I was doing all the right things: Eating less, moving more, rinse, repeat. Yet, the harder I worked, the less the scale seemed to respond.

    Had perimenopause destroyed my metabolism?

    It sure felt like it.

    However, after asking my doctor to run a series of tests, I learned that my metabolism was, in fact, fine. Instead, like the vast majority of midlife women, the true causes of my weight gain stemmed from several subtle issues that I would have sworn, at the time, didn’t apply to me.

    If, like me, you or your client are currently stuck in what feels like an eat less, gain more cycle, this article is here to help.

    In this story, you’ll discover:

    • Several reasons women gain weight at midlife that have nothing to do with a “slower metabolism”
    • Why intense exercise and strict diets can backfire after menopause
    • 11 crafty ways to get a handle on midlife weight gain

    First, what is menopause?

    Many women refer to midlife hot flashes and inconsistent menstruation as “being in menopause” or “menopausal.”

    However, menopause isn’t a phase as much as a transitional moment that separates menstruation from non-menstruation.

    Once you’ve gone 12 consecutive months without a period, you’ve reached menopause. For most people, that moment arrives somewhere between ages 46 and 56.

    The hot-and-dewy months and years leading up to that 12th missed period are technically known as “perimenopause.” 

    Perimenopause means “around menopause.”

    Some people refer to this time as the menopause transition. This is when estrogen levels fluctuate. Menstrual cycles lengthen and shorten and, at times, disappear, only to return a few months later. For many people, this marks the beginning of symptoms like hot flashes, sleep issues, vaginal dryness, mood changes, and, yes, creeping weight gain.

    (For a thorough overview of the many changes that can happen during this time, read: ‘What’s happening to my body!?’ 6 lifestyle strategies to try after menopause)

    How much weight do women gain during menopause?

    Many women think of menopause and weight gain the same way many young parents think of two-year-olds and tantrums: Inevitable.

    However, not all women gain weight during the menopause transition, explains Helen Kollias, PhD, who is an expert on physiology and molecular biology, and a science advisor at Precision Nutrition and Girls Gone Strong.

    On average, in the West, women gain four to six pounds during the three-and-a-half years of perimenopause, or about one to two pounds a year.1 2

    That’s double the rate of weight gain in pre-menopausal women, though it’s roughly the same amount men gain at midlife, notes Dr. Kollias.

    In other words, the menopause transition may not be solely to blame for those extra pounds on the scale. Aging may play a significant role, as we explore below.

    The real reasons the scale climbs

    Several factors conspire to add pounds to your frame during the menopause transition.

    ✅ You’re not sleeping as well.

    Maybe this sounds familiar: You wake repeatedly with sweat pooling under your breasts and sheets that are uncomfortably damp (or soaked).

    Even if you don’t have night sweats, plenty of other issues might keep you awake.

    First, there’s worry—over aging parents, teenagers with car keys, money needed to replace that leaking roof, some strange bodily sensation you’re worried might be cancer, the colonoscopy or mammogram you don’t want to schedule but also don’t not want to schedule, the sex you’re not having, and so many others.

    Plus, if you’re like me and you have osteoarthritis in multiple joints, your body hurts. Or your skin might itch. Or your legs are restless. Or you’re bloated.3 4 5 6

    My point: Problems that make sleep uncomfortable can multiply with age.

    Because of this, I’ll sometimes wake four or more times a night, as the red sections of this readout from my smartwatch show.

    Screenshot of a sleep tracking app's data for one night of sleep. The data shows the user was in bed for 9 hours and 25 minutes, but only asleep for 6 hours and 12 minutes, showing poor sleep efficiency

    These bad nights often set up a vicious cycle:

    The following day, I feel as if I’m two inhales away from death. So, I keep myself going with caffeine, which makes the next night just as bad or worse.

    Lack of sleep indirectly adds pounds to your frame in several ways:

    • When you’re sleep-deprived, it’s harder to cope with negative emotions, which may mean you turn to food for solace.
    • In addition, your decision-making gets compromised, so it’s harder to choose an apple when a chocolate chip cookie is also available.
    • Plus, sleep deprivation intensify both appetite and cravings (which we’ll discuss more in the next section)

    (Want to get a handle on some of the sleep challenges unique to this transition? Check out: How menopause affects sleep, and what you can do about it)

    ✅ You’re hungry, and not for celery.

    True story: When I was in my early 30s, someone once told me about her intense cravings, and I thought, “Cravings? What are those exactly?”

    (Don’t hate me.)

    Those days now feel foreign to me. Post-menopause, I spend most of my morning wondering how soon I can eat lunch, what I might have for lunch, whether it’s okay to have a snack now, and, if so, what it should be.

    After lunch, I go on to spend the afternoon thinking about dinner.

    It’s as if my appetite never flips off.

    For the longest time, I thought something was wrong with my brain or metabolism.

    It didn’t occur to me that the increased hunger, appetite, and cravings likely stemmed from my repeated awakenings each night.

    Until I checked out the research.

    In one study, people who were sleep-deprived reported higher levels of hunger and a stronger desire to eat. When provided access to snacks, they consumed twice as much fat compared to days when they weren’t sleep-deprived.7

    In another study, when healthy, young study participants slept four hours a night, they consumed 350 more calories the following day.8

    The annoying cycle of weight and food preoccupation

    Hormonal transitions (puberty, pregnancy, menopause) often cause changes to women’s body shape and size.

    Sometimes that’s welcome (“Ooh, a butt!”) and sometimes it’s not (“Darn, a butt!”).

    Some women—like me—don’t worry too much about their weight or body shape. Then, we gain unexpected (and unwanted) pounds, and with that, a new (also unwanted) preoccupation with the scale.

    Many women also find that as they try to get a handle on the scale, their preoccupation with food may (frustratingly and paradoxically!) shoot upwards—especially if they turn to restrictive diets or food rules for a solution. 

    Interestingly, this preoccupation with food can occur whether or not someone is actually reducing their calorie intake. In other words, this phenomenon can happen when someone just thinks about reducing their food intake.

    The phenomenon has a name: It’s called cognitive dietary restraint (CDR), and it can create a frustrating cycle of body image dissatisfaction, food preoccupation, and stress. 

    In one study, people who used a low-carb, intermittent fasting protocol to lose weight reported more frequent episodes of binge eating and more intense food cravings.9 

    In another study, postmenopausal women who scored high in CDR excreted more of the stress hormone cortisol than women who scored lower in this measure.10 Higher levels of CDR in pre- and postmenopausal women were even associated with shorter telomeres, a sign of accelerated aging.11

    All this to say, leaning too hard into self-criticism and extreme dieting can backfire. Which is why the strategies we suggest later in this article focus more on adding more nutritious, appetite-regulating foods, and prioritizing things like mindfulness and movement. 

    With these approaches, you’ll be less likely to feel deprived, and more likely to feel satisfied—and hopefully, empowered.

    ✅ You’re moving less.

    As humans age, we develop chronic low-grade inflammation and weakened immune function. When combined with the crummy sleep we mentioned earlier, along with other biological changes, this can interfere with the body’s ability to recover from intense exercise.

    The result: If you do too many vigorous workouts too close together, you’ll start to feel run down, sore, and unmotivated.12 13 14

    Other issues that crop up around midlife can also interfere with movement, like chronic injuries or joint pain.

    (A personal example: Due to osteoarthritis in my feet and spine, I switched from running to walking. This is easier on my body, but isn’t as efficient at burning calories.)

    Finally, due to those pesky time-sucks known as full-time jobs and caregiving responsibilities, you might not be as active in your 40s and 50s as you were during your 20s. Plus, over the past few decades, multiple inventions (hello, binge-watching) have conspired to keep people on the couch and off our feet.

    So, can you blame your hormones for anything?

    Other than messing with your sleep which, in turn, messes with your appetite and energy levels, fluctuating estrogen and progesterone likely aren’t behind your extra pounds—at least, not directly.

    If they were, menopause hormone therapy would help people stop or reverse weight gain. (It doesn’t.15)

    However, shifting hormonal levels are responsible for where those extra pounds appear on your body. As estrogen levels drop, body fat tends to migrate away from the thighs and hips and toward the abdomen, even if you don’t gain weight

    Old tactics may stop working after menopause

    The “Rocky” weight loss method was my go-to when I was younger.

    Whenever I wanted to drop a few pounds, I imagined I was a character in one of those “couch potato gets super fit” movies.

    In addition to walking and running, I embraced the sweat-til-you-vomit workout du jour. (Remember Tae Bo?) I also cut out foods, food groups, or entire macronutrients. A couple of times a week, I skipped lunch or dinner.

    It worked.

    Until, of course, it didn’t.

    Now, whenever I push too hard in the gym, I either get injured or feel so unbelievably tired that I must take four days off from all forms of movement. If I try to do anything extreme with my diet, I eventually eat every crunchy or sweet thing I can find, including stale crackers.

    For these reasons, after midlife and beyond, the countermeasures for weight gain aren’t strict diets (looking at you, intermittent fasting) or barfy workouts.

    Instead, to limit weight gain after menopause, you need to get wise about finding ways to tip calorie balance in your favor without triggering overpowering hunger, cravings, and fatigue.

    Regardless of age or stage, fundamental nutrition and fitness strategies still apply—and work.

    What changes after menopause is how you tackle these fundamentals.

    Experiment your way to better results

    The best menopause plan will look different for each person.

    That’s why experiments are so important.

    Precision Nutrition coaches often use experiments to help clients discover essential clues about what they need (and don’t need) to reach their goals. Based on the results you get from each experiment, you can make tiny tweaks, test them, and decide whether they work for you—until you find something that does work for you.

    How to run an experiment

    Health experiments are no different from the scientific method you learned about in middle school.

    • Choose a question to answer, such as, “Would I feel less munchy at night if I ate a protein-rich snack every afternoon?”
    • Run an experiment to test your question. In the above example, you’d track your hunger and cravings before adding the snack—to get a baseline—and then continue to track them for a couple weeks after adding the snack.
    • Assess what you learned. Did your ratings of hunger and cravings drop? Remain the same? Go up? What about your actual nighttime food consumption? This information can help you determine your next steps.

    Below are 11 experiments worth trying during and after menopause. We’ve separated them into three categories: sleep, hunger, and energy.

    (And if those 11 options aren’t enough, we’ve got more ideas here: Three diet experiments that can change your eating habits)

    Experiments for improved sleep

    Below, you’ll find a mere smidge of the many sleep tweaks you can try and test. For more ideas on potential sleep experiments, check out our 14-day-sleep plan and story about cognitive behavior therapy for insomnia.

    Experiment #1: Reset your body’s circadian clock

    As you age, your body starts to behave like an old clock that continually runs slow.

    Even if you used to be a morning person, you might wake groggy, as if your body doesn’t know it’s morning. Or, your body might tell you “time for bed” at weird times, like the middle of the afternoon. Then, after spending several hours fighting the urge to nod off during work meetings, you find that, when it actually is bedtime, you’re staring at the ceiling in the dark.

    This is why it’s helpful to experiment with zeitgebers, which are environmental and behavioral time cues that help to set your body’s internal circadian clock.

    These experiments might include the following:

    • Get up at the same time every day, regardless of how you slept the night before.
    • Spend 10-20 minutes in the sunlight as soon as possible after you wake.
    • Take a cold shower at the same time each morning or a hot shower or bath at the same time each evening.
    • Get outside frequently during the day, especially whenever you feel sleepy.
    • Exercise at the same time daily. Try first thing in the morning or 4 to 6 hours before bed. Bonus points if you do it outdoors.
    • Eat meals, especially breakfast, at the same time every day.

    Experiment #2: Remove “I’m uncomfortable” from your sleep vocabulary

    How you run this experiment will depend on what’s causing discomfort. We’ve listed a few possibilities below.

    • If you tend to wake feeling uncomfortably hot: Experiment with cooling technology. This might range from the very affordable, such as turning the thermostat a degree or two cooler or using a fan, to the more expensive, such as cooling electric mattress pads.
    • If you wake feeling bloated: If you’re constipated, try some prunes, a small daily serving of beans, a little psyllium fiber, or just extra water to get things moving. Or, you might try consuming a smaller meal or avoiding fatty foods in the evening.
    • If an uncomfortable “I need to move” sensation creeps into your legs at night: Talk to your doctor about restless legs syndrome, a condition that tends to worsen with age and/or iron deficiency. A physician may also give you ideas to cope if itchy skin or joint pain is keeping you up.

    Experiment #3: Time caffeine strategically

    We know we’re almost picking a fight with this suggestion. However, it’s worth investigating, especially if you consume caffeine in the afternoon or evening.

    If you’re like most people, it will take your body about five hours to clear half the caffeine from your system. That means about half of your 4 p.m. latte is still energizing your system at 9 p.m.

    But here’s the thing: Some people metabolize caffeine much more slowly than others, taking roughly twice as long to clear it from their bloodstream.16

    Interestingly, even if you had no issues with caffeine when you were younger, you might have issues now, as caffeine clearance tends to slow over time.17

    To see if caffeine is a problem, you’ve got a couple of options.

    • Try slowly shifting your consumption earlier by 30 to 60 minutes. (If you usually have your last coffee at 4 p.m., cut yourself off at 3 p.m., then 2 p.m., then 1 p.m., then noon.)
    • Switch to a lower caffeine source. (Try a bean blend that’s half decaffeinated. Or, you could switch to a lower-caffeine beverage such as green tea or maté.)

    (Yet more solutions to common problems: The five top reasons you can’t sleep)

    Experiments to reign in hunger

    The tactics below likely won’t surprise you. After all, they form the bedrock for solid nutrition and good overall health.

    However, before you disregard them with a “been there, done that!” consider: How many of the below are you actually doing consistently?

    Experiment #1: Add a protein serving

    It may seem counterintuitive to add a serving of food to your meals when you’re trying to eat less.

    However, this one tactic may help reign in appetite and hunger.

    Protein takes longer to digest than does carbohydrate or fat, so it helps you feel full and satisfied for longer.

    In addition, you may find, as I did, that you’re not consuming anywhere near as much protein as you think. (Find out how much you need here: ‘How much protein should I eat?’ Choose the right amount for fat loss, muscle, and health)

    Try one or both of the following:

    • Consume at least 1 to 2 portions of lean protein at every single meal
    • Prioritize snacks that contain protein—hard-boiled eggs, turkey sausage links, Greek yogurt, cottage cheese—instead sweets or chips.

    Experiment #2: Choose high-fiber carbohydrates over lower-fiber ones

    Fibrous plant foods can help fill you up with fewer calories.

    To see the difference, you might monitor how you feel after consuming a near-zero-fiber food, such as your favorite assortment of snack chips. The following day, when it’s time for the same snack or side dish, opt for something with more fiber, such as roasted nuts, a side of beans, a salad, or a piece of fruit. Notice how the fiber-rich option affects your appetite and hunger for the next few hours.

    Another experiment worth trying: Include one to two portions of produce with every meal you consume. Track your sensations of hunger to see if they make a dent.

    Experiment #3: Log between-meal indulgences

    You may be reaching for more snacky foods and beverages than you realize.

    These foods don’t need to be 100 percent off-limits; you just want to be intentional about your consumption and portion sizes.

    For a couple of weeks, keep track of alcohol, sweets, and treats that you eat between intentional meals and snacks.

    Review your notes at the end of each day to see if these more impulsive or less mindful eating episodes align with your memory of what and how much you consumed.

    Experiment #4: Move after meals

    Increased inflammation coupled with decreased muscle mass, among other factors, leads many people to become more insulin-resistant with age.18 Cells don’t respond as readily to the hormone, which means more glucose stays in the bloodstream rather than entering cells that can use it for energy.

    Through a complex set of mechanisms, this can drive up hunger and overall appetite.

    Consuming protein- and fiber-rich meals will help, as we mentioned earlier.

    So will movement. Walking for as little as two minutes after meals can help your body process the carbohydrates you consumed, improving blood sugar levels, finds research.19 20

    In addition, by removing yourself from your kitchen, you create a habit that helps to psychologically shift you away from “eating” and over to “the kitchen is closed.”

    Experiments for more energy

    To address midlife brain fog and fatigue, you’ll want to do all you can to encourage good sleep. In addition, see if the below suggestions make a difference.

    Experiment #1: Prioritize strength training over intense cardio

    This was a hard lesson for me because I love intense cardio.

    However, now in my 50s, if I try to fit in two weekly strength training sessions and two weekly spin sessions, I feel drugged—as if someone spiked my coffee with tranquilizers.

    When my Precision Nutrition health coach suggested I dial back on the cardio for a couple of weeks, I won’t lie. I thought about firing her.

    But then I took her advice and rediscovered what it felt like to be alert.

    Don’t get me wrong: I still do cardio. But I’m smart about it. I now know that I can’t do everything, at peak intensity, and expect to feel rested and alert daily. There’s a balance.

    Strength training is increasingly important at midlife to protect bone strength and maintain muscle mass. Aim for at least two weekly sessions. Then, fit in cardio around those sessions.

    If you feel worn out, experiment with doing low- or moderate-intensity cardio (like brisk walking, slow cycling, or swimming) over higher-intensity cardio (like an hour-long spin class).

    Or, if you love higher intensities, keep doing them, but shorten your duration.

    Or, just save those vigorous sessions for when you got great sleep the night before.

    Experiment #2: Try active recovery

    Active recovery can help increase blood circulation and the removal of waste products that may have built up in your muscles during intense exercise sessions.21

    This can include light activities such as walking, swimming, yoga, or stretching. You can also try massage, foam rolling, or a long, hot bath.

    Experiment #3: Consider creatine

    Lots of folks think of creatine monohydrate as something people take to get jacked.

    However, more and more evidence points to creatine’s benefits for people in midlife and beyond.

    The supplement may be especially helpful for muscle recovery.

    In research that pooled the data from 23 studies, study participants who took creatine experienced fewer indicators of muscle damage 48 to 90 hours after intense training than participants who didn’t supplement.22

    The supplement may also help you to think clearly, especially after a bad night of sleep, finds other research.23

    Finally, by promoting cellular energy throughout the body (including the brain), creatine may help to blunt fatigue and boost mood.24 25

    A daily dose of three to five grams works for most people.

    The winning midlife mindset

    There’s one final experiment that I want to tell you about.

    It has to do with embracing a mindset of acceptance.

    Think back to other difficult phases of your life. For me, parenting an infant with colic comes to mind. Gosh, I was so tired back then that I likely would have forked over my entire 401k in exchange for one solid night of sleep.

    However, I knew that the stage was temporary. That knowledge helped to keep me going.

    Midlife can be similar.

    You likely won’t weigh at 55 what you did at 25. That’s okay. However, the night sweats, brain fog, and fatigue are all fleeting. You will eventually establish a new normal.

    In the meantime, see if you can accept that your body may look and feel different now. Shift your focus away from trying to look and feel like your younger self and toward consistently embracing new behaviors that will help you age with strength, vitality, and contentment.

    After all, you have much more control over your behavior than the number on the scale.

    References

    Click here to view the information sources referenced in this article.

    If you’re a coach, or you want to be…


    You can help people build sustainable nutrition and lifestyle habits that will significantly improve their physical and mental health—while you make a great living doing what you love. We’ll show you how.


    If you’d like to learn more, consider the PN Level 1 Nutrition Coaching Certification. (You can enroll now at a big discount.)

  • 3 ways to prepare the insurance workforce for the generative AI era | Insurance Blog

    3 ways to prepare the insurance workforce for the generative AI era | Insurance Blog


    With 30% of insurance workers reaching retirement age by 2030, and the rise of generative AI, including the emergence of agentic systems, the insurance industry’s workforce is poised for a major transformation. AI presents massive opportunities, but recruiting and upskilling talent remain significant challenges. Insurers that can attract, upskill and reskill their staff to be proficient in AI stand to gain substantial benefits and efficiencies.

    Accenture’s research underscores the importance of a human-led approach to AI, highlighting a potential $17.9 trillion difference in economic growth over the next 15 years. At our FS Industry AI symposium in London in November, most insurers in attendance were committed to this approach, recognizing it as a key strategy for scaling value.

    The insurance industry is particularly well-positioned to benefit from AI with the majority of work hours in financial services, including insurance, involving language-rich or data-heavy tasks. Also, given that unstructured data represents an estimated 80-90% of all new enterprise data, it’s no surprise that generative AI, with its human-like capabilities and proficiency in handling unstructured data, is already seeing widespread adoption.

    Unlocking this potential in the insurance industry requires close collaboration with the professionals who have the deepest understanding of the work. Currently, 36% of insurance CXOs are concerned that a lack of worker skills will hinder their organization’s ability to fully utilize generative AI.

    Preparing employees for the era of generative AI has never been more crucial. In this blog, we will explore three strategies to embrace a people-first reinvention approach.

     

    1. Address worker concerns through transparent communication

    While AI can handle many tasks with increasing levels of capability; human skills such as judgement, creativity, critical thinking, and emotional intelligence remain irreplaceable. Our research revealed that 55% of insurance workers are worried about stress and burnout associated with working alongside AI, while 50% fear job displacement. These concerns are valid but can be overcome and must be addressed to ensure a smooth transition and maintain a motivated workforce. By highlighting how AI can enhance human capabilities, organizations can build trust and confidence among their workforce while transforming roles and shifting recruitment towards a skills-based approach in the insurance industry.

    We found that only 5% of the tasks performed by insurance sales agents are estimated to be fully automated, 47% will remain unchanged, and the rest will be augmented which will significantly improve both the employees’ experience and productivity. For example, at present there is an insufficient number of underwriters in the labor market and up to 40% of a typical underwriter’s time is consumed by non-core activities and administrative tasks. If leveraged correctly, generative AI and autonomous agents could significantly augment their work by automating data analysis and providing insights, which would allow underwriters to focus on more strategic and value-added activities. Similarly, customer service representatives can use AI-powered chatbots to handle routine inquiries, freeing them to address more complex issues and build stronger relationships with clients. By emphasizing these complementary roles, companies can help employees see AI as a tool that enhances their work which improves work-life balance and job satisfaction, rather than a threat to their jobs.

    2. Reskill at pace and foster a culture of continuous learning

    To thrive in the era of generative AI, insurance companies must invest in robust reskilling programs. The importance of this cannot be overstated, as 24% of insurance leaders cite a lack of access to the right skills as a major barrier to growing their business and serving their customers. This statistic underscores the critical need for action and highlights the potential benefits of a well-prepared workforce.

    Helping workers understand the changing nature of their roles is essential. Insurers should offer learning pathways that are relevant to the future work environment. The appetite amongst employees is there. Despite 92% of workers wanting generative AI skills, only 4% of insurers are reskilling at the required scale. As such, insurers should implement comprehensive and continuous reskilling programs that are multifaceted, offering a mix of online and in-person training opportunities. These programs can include workshops, webinars, and hands-on training sessions to ensure that employees are equipped with the necessary skills to work alongside AI. For example, insurers are excellent at handling structured data, but by ensuring their employees are equipped with generative AI skills and tools, they will then be able to handle the vast amounts of unstructured data and documents at a higher speed.

    Partnerships with external providers can also play a crucial role in these reskilling efforts. By collaborating with educational institutions, tech companies, and industry experts, insurance companies can access the latest training resources and best practices. These partnerships can aid in creating a culture of continuous learning by providing employees with a broader range of learning opportunities and ensuring that the training is up-to-date and relevant.

    To keep the love for learning alive, insurers should provide sponsorship and clear recognition for colleagues who reskill. Gamifying the learning experience with elements like points, badges, and leaderboards can motivate employees and help track their progress. Platforms like Viva Engage foster a collaborative learning environment where employees can share knowledge, ask questions, and support one another.

    With LearnVantage, we walk the talk at Accenture

    A year ago, we launched LearnVantage, our flexible AI-enabled ecosystem designed to support learning and future skills. This includes the AI Academy, which offers educational sessions and deeper learning opportunities, such as nano-degree pathways, certified online educational programs that teach you specialized skills in less time than bachelor’s and master’s degrees, and external certifications from institutions like Stanford. For example, we have trained the entire executive team, leaders, and employees at S&P Global with a comprehensive AI academy.

    LearnVantage is designed to support continuous learning and skill development for both human employees and AI agents. It emphasizes learning in the flow of work and personalization, covering a wide range of topics from basic AI fluency to advanced areas like responsible AI. By capturing meaningful data, LearnVantage helps refine and improve learning experiences over time, building trust and ensuring that both humans and AI agents are well-equipped to handle their tasks effectively. This approach fosters a culture of curiosity and innovation, aligning with broader AI and digital transformation initiatives.

    3. How to attract and retain talent in insurance: Now and in the future

    It’s essential for insurers to compete for new talent in engineering, security, data, and AI across industries. People aged 18-24 in the US are the least likely to choose the insurance industry for employment*, and insurance companies are losing more talent than they are hiring. With a projected 10.7 million worker shortfall in financial and business services by 2030, attracting and retaining talent has never been more critical.

    One essential way to address this is to reframe the Employee Value Proposition (EVP). It should highlight the positive impact of working in insurance, emphasizing how it protects society, businesses, and individuals to appeal to purpose-driven younger generations. The EVP should also reflect the importance of innovation and skill development, particularly in emerging technologies like AI. Including your EVP in your marketing strategy can help build awareness of insurance outside of traditional talent pools.

    Once your EVP is reframed, it’s important to develop a robust recruitment strategy. Segment recruitment by business areas and target relevant geographies, creating personalized messaging for specialized candidates. Integrate and test EVP elements both globally and locally, incorporating them into HR processes and employer branding.

    To refresh recruitment strategies, collaborate with universities strong in engineering, security, data, and AI for targeted early career recruiting. Leverage alumni and employees for advocacy and referrals, and engage with early career talent, including apprentices and graduates.

    Ensuring a seamless candidate experience is crucial. With generative AI, it has become much easier to personalize and accelerate the recruiting process, keeping job postings competitive and enhancing candidate experiences through AI and agentic architecture, making recruitment more engaging and efficient.

    Lastly, look for hidden workers, such as carers, veterans, and others who possess a wealth of soft skills. These individuals are often overlooked or may not consider themselves a fit for the insurance industry.

    Not just a technological shift but a cultural shift

    To fully embed AI in the workforce and ensure tools and practices are embraced, insurers need to understand future role requirements, hone their skills gap identification and development processes and utilize data tools like Skills.AI to determine external and internal skill acquisition needs. In addition, AI should also be used to conduct regular competitor analysis to further refine these hiring strategies, ensuring everything being offered, including compensation structures, are market-relevant. By fostering this cultural shift, we can build an agile workforce together, ready to meet the constantly evolving needs and demands of the insurance industry of both today and tomorrow.

     

    *Source: Outside-in data from ecosystem partner incorporating US Federal and State sources.

  • Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1

    Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1


    [Updated on January 30, 2025 with updated screenshots from FreeTaxUSA for the 2024 tax year.]

    The best way to do a backdoor Roth is to do it “clean” by contributing *for* and converting in the same year — contribute for 2024 in 2024 and convert in 2024, and contribute for 2025 in 2025 and convert in 2025. Don’t split them into two years: contributing for 2023 in 2024 and converting in 2024 or contributing for 2024 in 2025 and converting in 2025. If you did a “clean” backdoor Roth and you’re using FreeTaxUSA, please follow How to Report Backdoor Roth In FreeTaxUSA (Updated).

    However, many people didn’t know they should’ve done it “clean.” Some people thought it was natural to contribute to an IRA for 2024 between January 1 and April 15, 2025. Some people contributed directly to a Roth IRA for 2024 in 2024 and only found out their income was too high when they did their 2024 taxes in 2025. They had to recharacterize the previous year’s Roth IRA contribution as a Traditional IRA contribution and convert it again to Roth after the fact.

    When you contribute for the previous year and convert (or recharacterize and convert in the following year), you have to report them on your tax return in two different years: the contribution in one year and the conversion in the following year. It’s more confusing than a straight “clean” backdoor Roth but that’s the price you pay for not knowing the right way. This post shows you how to enter the contribution part in FreeTaxUSA for the first year. Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2 shows you how to do the conversion part for the second year.

    I’m showing two examples — (1) a direct contribution to a Traditional IRA for the previous year; and (2) recharacterizing a Roth contribution for the previous year as a Traditional contribution. Please see which example matches your scenario and follow along accordingly.

    Contributed for the Previous Year

    Here’s the example scenario for a direct contribution to the Traditional IRA:

    You contributed $7,000 to a Traditional IRA for 2024 between January 1 and April 15, 2025. You then converted it to Roth in 2025.

    Because your contribution was *for* 2024, you need to report it on your 2024 tax return by following this guide. Because you converted in 2025, you won’t get a 1099-R for your conversion until January 2026. You will report the conversion when you do your 2025 tax return. Come again next year to follow Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2.

    If you contributed to a Traditional IRA in 2024 for 2023, everything below should’ve happened in your 2023 tax return. In other words, if this fits you:

    You contributed $6,500 to a Traditional IRA for 2023 between January 1 and April 15, 2024. You then converted it to Roth in 2024.

    Then you should’ve gone through the steps below in your 2023 tax return. If you didn’t, you should fix your 2023 return. The conversion part is covered in Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2.

    If you’re married and both you and your spouse did the same thing, you must follow the same steps below for both you and your spouse.

    If you first contributed to a Roth IRA in 2024 and then recharacterized it as a Traditional contribution in 2025, please jump over to the next example.

    Contributed to Traditional IRA

    Find the “IRA Contributions” section under the “Deductions / Credits” menu.

    Did you contribute

    Answer Yes to the first question even though it says “during” 2024 when you contributed “for” 2024 in 2025. An excess contribution means contributing more than you’re allowed to contribute. We didn’t have that.

    IRA contribution amount

    Enter the amount you contributed to the Traditional IRA in the first box. Leave the answer to “Did you recharacterize” at No. We converted. We didn’t switch or recharacterize. We didn’t repay any distribution either.

    We didn’t contribute to a SEP, solo 401k, or SIMPLE plan. Answer Yes if you did.

    Withdraw means pulling money out of a Traditional IRA back to your checking account. Converting to Roth is not a withdrawal. Answer “No” here.

    The first box is normally zero if this is the first time you contributed to a Traditional IRA. If you made nondeductible contributions to a Traditional IRA in previous years, get the value from your last year’s Form 8606 Line 14 (assuming you did your tax return correctly). If you entered a number in the first box because you didn’t understand what it was asking, now is the chance to correct it.

    The second box is also blank or zero when you had no Traditional, SEP, or SIMPLE IRA as of December 31, 2024.

    Enter your contribution in the third box because you did it between January 1 and April 15, 2025.

    Decline IRA deduction

    You see this screen only if your income falls below the income limit that allows a deduction for your Traditional IRA contribution. You don’t see this if your income is above the income limit. Answering Yes will make your contribution deductible but it will also make your conversion taxable. Although it works out to be a wash in the end, it’s less confusing if you answer “No” here and make the entire amount that could be deducted nondeductible.

    It tells us we don’t get a deduction because our income was too high or because we chose to make our contribution nondeductible. We know. That’s why we did the Backdoor Roth.

    Form 8606

    Let’s look at Form 8606 to confirm that it did everything correctly. Click on the three dots on the top right above the IRA Deduction Summary page and then click on “Preview Return.”

    Scroll toward the end of the tax forms to find Form 8606. You should see that only lines 1, 3, and 14 are filled in with your contribution amount. It’s important to see the number on Line 14. This number will carry over to 2025. It’ll make your conversion in 2025 not taxable.

    If you don’t see a Form 8606 or if your Form 8606 doesn’t look right, please check the Troubleshooting section.

    Break the Cycle

    While you’re at it, you should break the cycle of contributing for the previous year and create a new habit of contributing for the current year. Contribute to a Traditional IRA for 2025 in 2025 and convert in 2025.

    You’re allowed to convert more than once in a single year. You’re allowed to convert more than one year’s contribution amount in a single year. Your larger conversion is still not taxable when you convert both your 2024 contribution and your 2025 contribution in 2025. Then you will start 2026 fresh. Contribute for 2026 in 2026 and convert in 2026.

    Recharacterized Roth Contribution

    Now let’s look at our second example scenario.

    You contributed $7,000 to a Roth IRA for 2024 in 2024. You realized that your income was too high when you did your 2024 taxes in 2025. You recharacterized the Roth contribution for 2024 as a Traditional contribution before April 15, 2025. The IRA custodian moved $7,100 from your Roth IRA to your Traditional IRA because your original $7,000 contribution had some earnings. Then you converted it to Roth in 2025.

    Because your contribution was for 2024, you need to report it on your 2024 tax return by following this guide. Because you converted in 2025, you won’t get a 1099-R for your conversion until January 2026. You will report the conversion when you do your 2025 tax return. Come back again next year to follow Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2.

    Similar to our first example, if you did the same in 2024 for 2023, you should’ve done everything below when you did your 2023 taxes. In other words, if this fit you:

    You contributed $6,500 to a Roth IRA for 2023 in 2023. You realized that your income was too high when you did your 2023 taxes in 2024. You recharacterized the Roth contribution for 2023 as a Traditional contribution before April 15, 2024. The IRA custodian moved $6,600 from your Roth IRA to your Traditional IRA because your original $6,500 contribution had some earnings. Then you converted it to Roth in 2024.

    Then you should’ve taken all the steps below last year in your 2023 tax return. If you didn’t, you need to fix your 2023 return. The conversion part is covered in Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2.

    Contributed to Roth IRA

    Find the IRA Contributions section under the “Deductions / Credits” menu.

    Did you contribute

    Answer “Yes” to the first question. An excess contribution means contributing more than you’re allowed to contribute. We didn’t have that.

    Enter your contribution in the second box because you originally contributed to a Roth IRA. Answer “Yes” to “Did you switch or recharacterize.” We didn’t repay any special distribution.

    Recharacterized to Traditional

    Select “Yes” to confirm you recharacterized a contribution. It opens up additional inputs for a statement required by the IRS. If you recharacterized 100% of your original contribution, enter it in the first box. It’s $7,000 in our example. We enter $7,100 from our example in the second box, which is the amount that the IRA custodian moved from the Roth IRA to the Traditional IRA when we recharacterized.

    We didn’t contribute to a SEP, solo 401k, or SIMPLE plan. Answer Yes if you did.

    Withdraw means pulling money out of a Traditional IRA back to your checking account. Converting to Roth is not a withdrawal. Answer “No” here.

    All three boxes should normally be blank or zero.

    The first box is normally zero when you didn’t make any nondeductible contributions to a Traditional IRA in previous years. If you did, get the value from your last year’s Form 8606 Line 14 (assuming you did your tax return correctly). If you entered a number in the first box because you didn’t understand what it was asking, now is the chance to correct it.

    The second box is also blank or zero when you had no Traditional, SEP, or SIMPLE IRA as of December 31, 2024.

    The third box is also blank or zero because you made the original contribution in 2024. Recharacterizing makes it as if you contributed to a Traditional IRA to begin with.

    Decline IRA deduction

    You see this screen only if your income falls below the income limit that allows a deduction for your Traditional IRA contribution. You don’t see this if your income is above the income limit. Answering Yes will make your contribution deductible but it will also make your Roth conversion taxable. You’ll pay less tax this year and more tax next year. It’s less confusing if you answer “No” here and make the entire amount that could be deducted nondeductible.

    It tells us we don’t get a deduction because our income was too high or because we chose to make our contribution nondeductible. We know. That’s why we did the Backdoor Roth.

    Form 8606

    Let’s look at the Form 8606 to confirm that it did everything correctly. Click on the three dots on the top right above the IRA Deduction Summary and then click on “Preview Return.”

    Scroll toward the end of the tax forms to find Form 8606. You should see that only lines 1, 3, and 14 are filled in with your contribution amount. It’s important to see the number in Line 14. This number will carry over to 2025. It’ll make your conversion in 2025 not taxable.

    If you don’t see a Form 8606 or if your Form 8606 doesn’t look right, please check the Troubleshooting section.

    Switch to Clean Backdoor Roth

    While you are at it, you should switch to a clean backdoor Roth for 2025. Rather than contributing directly to a Roth IRA, seeing that you exceed the income limit, recharacterizing it, and converting it again, you should simply contribute to a Traditional IRA for 2025 in 2025 and convert it to Roth in 2025 if there’s any possibility that your income will be over the limit again.

    You’re allowed to do a clean backdoor Roth even if your income ends up below the income limit for a direct contribution to a Roth IRA. It’s much simpler than the confusing recharacterize-and-convert maneuver.

    You’re allowed to convert more than once in the same year. You’re allowed to convert more than one year’s contribution amount in a single year. Your larger conversion is still not taxable when you convert both your 2024 contribution and your 2025 contribution in 2025. Then you will start 2026 fresh. Contribute for 2026 in 2026 and convert in 2026.

    Troubleshooting

    If you followed the steps and you are not getting the expected results, here are a few things to check.

    No 1099-R

    You get a 1099-R only if you converted to Roth in 2024. Because you only converted in 2025, you won’t get a 1099-R until January 2026. This is normal. You do the conversion part next year by using Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2.

    Contribution Is Deductible

    If you don’t have a retirement plan at work, you have a higher income limit to take a deduction on your Traditional IRA contribution. FreeTaxUSA gives you the option to take a deduction if it sees that you qualify. Taking this deduction also makes your Roth conversion taxable. You’ll pay less tax this year and more tax next year. It’s less confusing if you decline the deduction by answering “No” in the “Do you want to take your IRA deduction?” page.

    Say No To Management Fees

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

    Find Advice-Only

  • Best Protein Powder For Women Weight Loss: A Complete Guide

    Best Protein Powder For Women Weight Loss: A Complete Guide


    Fitness conversations used to be heavily skewed toward men. But today, more women than ever are exploring strength training, mindful eating, and holistic health. In this journey, one nutritional support tool is steadily gaining prominence, and that is protein powder. Whether the goal is fat loss, better skin, increased energy, or a toned physique, the right protein intake plays a central role.

    The rise of protein powders tailored for women has also created a saturated and confusing marketplace. From collagen blends to vegan mixes to lean muscle-enhancing whey options, the choices are endless. While everyone talks about protein’s role in muscle gain, not many dive deep into how it can support weight loss goals.

    This article simplifies that for you. With a spotlight on the best protein powder for women’s weight loss, we will explore what protein really does, how it affects your metabolism, how different powders work, and how to choose one based on your body’s needs. You will also find expert-backed advice, facts on absorption, benefits, and clear explanations on myths.

    The Role of Protein in Weight Loss for Women

    When women set out to lose weight, the typical approach often involves calorie reduction, cardio exercises, and cutting fats. However, what many miss is the critical role protein plays in supporting weight loss, especially sustainably and healthily. Protein is a fundamental ally in achieving fat loss, retaining muscle tone, and improving body composition. Multiple studies have shown that women on higher-protein diets tend to lose more body fat and retain more muscle mass than those on standard or low-protein diets.

    Satiety and Appetite Control

    Protein helps regulate appetite through its influence on hunger hormones. By increasing the release of satiety hormones like GLP-1 and PYY, and reducing ghrelin (the hunger hormone), it keeps you full longer and reduces the urge to snack unnecessarily. This control over appetite plays a crucial role in maintaining a calorie deficit without feeling deprived.

    Muscle Preservation During Calorie Deficit

    Weight loss often involves muscle loss along with fat loss. Protein ensures the body burns fat while preserving lean muscle. Retaining muscle mass is essential not just for aesthetics but also for metabolic health. That is because muscle burns more calories than fat, even at rest.

    Boosting Thermogenesis

    Protein digestion requires more energy than carbs or fats. This thermic effect slightly increases your daily energy expenditure, which supports fat loss over time. It may not be massive on its own, but every advantage matters when trying to shed stubborn fat.

    Hormonal Support

    Women experience various hormonal shifts during menstruation, pregnancy, perimenopause, and menopause. Protein helps stabilize insulin and other hormone levels, reducing erratic weight gain and improving metabolic resilience.

    Body Composition Improvement

    Instead of just reducing the number on the scale, protein helps improve the fat-to-muscle ratio, leading to visible toning and better metabolic health.

    Together, these factors show that protein is not just an accessory to weight loss but a primary component. Adding the right protein shake to your diet helps amplify these mechanisms.

    Why Many Women Fall Short on Protein

    Despite growing awareness, many women still consume less protein than required. The gap often stems from societal norms, misinformation, and lifestyle habits. But the result is consistent: undereating protein leads to reduced muscle mass, increased fat storage, and poor satiety.

    Women typically prioritize low-fat or low-calorie meals that are often carbohydrate-heavy and lack adequate protein. This imbalance impacts metabolism and also leads to unstable blood sugar and recurring cravings. In clinical settings, dieticians frequently observe women having a light breakfast or skipping protein at lunch, followed by fatigue and overeating later.

    Social conditioning also plays a role. The fear of “bulking up” has kept many women from embracing protein as an essential nutrient. There is a myth that protein shakes are only for male bodybuilders. It is simply not true. Protein is crucial for every cell in your body, from skin to bones to hormones.

    This is why protein powder for women’s weight loss makes sense. It conveniently fills the nutritional gap, especially for those who are constantly on the move, do not enjoy high-protein foods, or struggle to eat enough due to appetite loss or dietary restrictions.

    What is Protein Powder?

    Protein powder is a concentrated source of protein extracted from animal or plant sources. It can be consumed by mixing with water, milk, smoothies, or even adding to foods like oats or pancakes. For women, choosing the right type is key to ensuring weight loss without bloating or side effects.

    Types of Protein Powder for Women

    Different types of protein powders serve different needs. Here is how they compare:

    1. Whey Protein

    Whey protein is derived from milk during the cheese-making process. It contains all nine essential amino acids, making it a complete protein. It is quickly absorbed, which makes it great post-workout. Whey isolate, in particular, is low in lactose and high in protein concentration. Hence, it is ideal for those aiming to lose weight and preserve lean mass.

    2. Casein Protein

    Also derived from milk, casein digests slowly. It provides a steady stream of amino acids, making it suitable for nighttime consumption. Although it is not ideal for quick recovery, it supports overnight muscle repair.

    3. Plant-Based Proteins

    Pea, rice, soy, and hemp-based powders are great for vegans or those with dairy intolerance. They are rich in fiber, which adds to fullness. However, single-source plant proteins may lack some amino acids. High-quality blends can solve this.

    4. Collagen Protein

    More often linked to hair, skin, and nail health. Collagen is not a complete protein and is not ideal as a primary source for fat loss or muscle maintenance.

    For women looking for the best protein powder for losing weight, whey protein isolate usually stands out. It is efficient, lean, and research-backed for both muscle preservation and fat loss.

    Protein, Metabolism, and Hormonal Health

    Protein directly supports metabolism through muscle retention and energy expenditure. But it also indirectly affects hormone regulation. For women dealing with estrogen dips during menopause or hormonal imbalances from PCOS, protein can stabilize blood sugar and support better weight management.

    During menopause, for instance, women experience a sharp decline in estrogen, which is associated with increased abdominal fat and decreased lean body mass. Protein, along with resistance training, can help reduce these changes.

    Key Benefits of Protein Shakes for Females

    Protein shakes are not just trendy. They are scientifically backed tools that provide measurable benefits when used appropriately. Here is how they help women, especially in the context of weight loss and better body composition.

    1. Reduces Belly Fat

    Research shows that protein-rich diets can lead to significant fat loss, especially around the abdomen. Protein shakes make this process more accessible by ensuring a consistent supply of amino acids. When paired with resistance training, this can help women lose inches while keeping their waistlines firm and toned.

    2. Prevents Weight Regain

    Losing weight is one thing, keeping it off is another. High-protein diets can reduce the likelihood of regaining weight. Protein shakes stabilize energy and mood, reducing emotional eating episodes. They also prevent the muscle loss that often comes with yo-yo dieting.

    3. Supports Bone Health

    Women are particularly prone to bone loss as they age. Protein, especially from dairy-based sources like whey, contains essential amino acids that help build and maintain bone density. If you pair them with calcium and resistance exercise, protein shakes can be part of a long-term bone health plan.

    4. Convenient Meal Replacement

    Time is a limiting factor for many women. Protein shakes offer a quick, nutritious option during hectic mornings or mid-day hunger pangs. Unlike processed snacks, they support metabolism and curb hunger without the crash that follows sugar-laden treats.

    5. Skin, Hair, and Nail Support

    Protein is the primary building block of collagen and keratin. These structural proteins keep your skin youthful, hair shiny, and nails strong. Women trying to lose weight often see changes in skin and hair quality due to nutrient gaps. A balanced protein shake can help restore this balance.

    Understanding How Protein Powder Works

    When consumed, protein powder provides amino acids that fuel muscle repair and metabolic functions. Post-exercise, muscles are in a repair phase and need protein to grow stronger. Even without exercise, protein helps preserve lean mass and avoid muscle breakdown, especially when in a calorie deficit.

    Whey protein in particular spikes blood amino acid levels quickly, which supports muscle protein synthesis and fat loss. That is why whey is often referred to as the best protein powder for women to lose weight.

    When and How to Take Protein Powder for Weight Loss

    The effectiveness of protein powders depends not only on what you take but also on when and how. Strategic consumption can improve satiety, maintain muscle, and fit your lifestyle without disrupting meals.

    Best Times to Consume

    • Post-Workout: After exercise, your muscles need amino acids for repair. Whey protein is absorbed quickly, making it ideal after your gym session.
    • Morning: A protein shake in the morning can prevent blood sugar crashes and set the tone for healthier eating all day.
    • Mid-Meal: You can use them as a snack between meals. Protein keeps you full and reduces binge-eating tendencies.
    • Before Bed (for Casein): Casein protein helps deliver a slow release of amino acids for overnight recovery and satiety.

    Smart Consumption Tips

    • Avoid adding too many high-calorie ingredients. Peanut butter, bananas, and oats are nutritious, but can quickly raise the calorie count.
    • Use water or low-fat milk as a base.
    • Stick to 1 scoop per day unless advised otherwise by a nutritionist.
    • Keep it versatile—blend it, shake it, or mix it into food, depending on your routine.

    Protein shakes work best when they are part of a structured meal plan, not a standalone strategy.

    Potential Side Effects of Protein Powders (and How to Avoid Them)

    Protein powders are generally safe when used as intended. However, not all are created equal. Understanding potential downsides and how to avoid them helps make your supplement journey smoother.

    Digestive Discomfort

    Some women experience bloating, gas, or cramps after consuming protein powders. It is often due to lactose content, artificial sweeteners, or poor-quality fillers. Choosing a whey isolate protein with added digestive enzymes or switching to a plant-based formula can reduce these issues.

    Weight Gain

    If your protein shake is loaded with sugar or consumed in excess, it can lead to a calorie surplus, which contributes to weight gain. To avoid this, select a powder with less than 3 grams of sugar and under 150 calories per serving. Also, factor it into your total daily intake.

    Hormonal Concerns

    Due to its phytoestrogen content, low-quality soy protein may mimic estrogen. While moderate soy intake is safe, excessive reliance on unverified soy products can lead to hormonal imbalances. Stick to lab-tested, high-quality brands.

    Kidney Strain (in Special Cases)

    Women with existing kidney issues need to be cautious about protein intake. Too much protein can strain kidney function. However, moderate protein powder use poses no risk for healthy individuals.

    Unrealistic Expectations

    Protein shakes support weight loss, but they are not miracle drinks. Some users expect quick transformations without adjusting their diet or lifestyle. It is vital to view supplements as one piece of the overall health puzzle.

    How to Choose the Best Protein Powder for Women’s Weight Loss

    • Check the Source: Whey isolate is ideal for most women aiming for fat loss.
    • Look for Minimal Ingredients: Avoid long lists of chemicals or sugar alcohols.
    • Check BCAA and Leucine Levels: Leucine activates muscle protein synthesis.
    • Pick Low-Calorie, High-Protein Options: Aim for at least 20 g of protein with less than 3 g of sugar.
    • Check for Certifications: Choose powders tested for purity and safety.
    • Go With Trusted Brands: Brands like HealthifyMe offer lab-tested, no-sugar-added whey proteins sourced from Europe, with 25.5 g of protein per scoop.

    Healthify Whey Protein: A Natural Fit for Women

    While the market is crowded, Healthify Whey Protein rises above with clean formulation and strong science. With 25.5 g of protein and 5.6 g of BCAAs per scoop, it supports lean muscle, fat metabolism, and faster recovery. The added digestive enzymes prevent bloating, and the zero-sugar formula makes it an ideal option for calorie-conscious women. Its blend of isolate and concentrate ensures maximum value and results.

    Whether you are a beginner or fitness enthusiast, this is the best protein supplement for women’s weight loss when combined with the proper diet and lifestyle.

    HealthifyMe Note

    Too often, women are told to fear protein. As a health coach, I see many women assume that protein shakes are just for bodybuilders or weightlifters. But in reality, protein shakes for weight loss are tools of nourishment, not transformation. Your body needs protein to thrive, not just to lose fat, but to feel strong, stay full, support hormones, and glow from within. The best protein for you is one that aligns with your goals, is easy on your digestion, and blends into your life. Trust your body. Support it with good food, smart supplementation, and kindness, not restriction. Mindfulness will take you further than any trend.

    The Final Word

    Choosing the best protein powder for women’s weight loss is not just about fat loss. It is about strength, clarity, balance, and sustainable energy. From muscle support to hormone regulation, protein plays a powerful role in reshaping how you look and feel.

    Whey protein, especially clean, sugar-free formulations like the one from Healthify Store, offers an ideal balance of science, ease, and effectiveness. Whether your goal is to drop inches, tone up, or simply feel better, the right protein shake can give you the push you need.

    Ultimately, a powder is only as powerful as the lifestyle that supports it. Combine it with whole foods, hydration, movement, and rest, and you will discover not just weight loss, but a deeper connection with your body. Healthify your choices, one scoop at a time.

    Frequently Asked Questions (FAQs)

    Q: Does protein powder help lose weight for women?

    A: Yes, protein powder supports weight loss by enhancing satiety, preserving lean muscle mass, and increasing calorie burn through the thermic effect of food. It helps regulate hunger and promotes fat loss when paired with a calorie deficit.

    Q: What is the best protein powder for women’s weight loss?

    A: Whey isolate is often considered the best due to its high bioavailability, fast absorption, and low calorie count. Choose options without added sugars or artificial additives for optimal results.

    Q: Can protein shakes help you lose weight without exercise?

    A: They can assist with weight loss by managing appetite and maintaining muscle, even without exercise. However, combining them with physical activity yields better, longer-lasting outcomes.

    Q: Are protein powders healthy for women?

    A: Yes, when used appropriately. High-quality protein powders with minimal ingredients are safe and beneficial for women’s metabolism, bone health, and hormone balance.

    Q: Can protein shakes make you gain weight?

    A: Usually, protein shakes or powders do not make you gain weight. However, in some cases, they can lead to weight gain. It will happen only when consumed in excess or with high-calorie additives. Stick to a scoop, choose low-calorie options, and avoid mixing with too many calorie-dense ingredients.

    Q: What are the benefits of protein shakes for females?

    A: Protein shakes offer several benefits. For example, they support fat loss, muscle recovery, bone strength, and skin health. Protein shakes also provide a convenient meal option and can help reduce cravings.

    Q: When should I take protein powder for weight loss?

    A: Ideal times include post-workout for muscle repair, in the morning for appetite control, or as a mid-meal snack to prevent overeating.

    Q: What do protein shakes do for females trying to lose belly fat?

    A: They help reduce abdominal fat by improving satiety and increasing fat oxidation. Coupled with strength training, they support a leaner waistline while preserving muscle tone.

    Research Sources

    1. The role of protein in weight loss and maintenance

    2. Clinical Evidence and Mechanisms of High-Protein Diet-Induced Weight Loss.

    3. Protein supplementation: the double-edged sword

    4. The Importance of Nutrition in Menopause and Perimenopause—A Review

    5. Dietary protein and appetite sensations in individuals with overweight and obesity: a systematic review

    6. Effect of short- and long-term protein consumption on appetite and appetite-regulating gastrointestinal hormones, a systematic review and meta-analysis of randomized controlled trials

    7. Whey Proteins Reduce Appetite, Stimulate Anorexigenic Gastrointestinal Peptides and Improve Glucometabolic Homeostasis in Young Obese Women

    8. Clinical Evidence and Mechanisms of High-Protein Diet-Induced Weight Loss

    9. The effect of 12 weeks of euenergetic high-protein diet in regulating appetite and body composition of women with normal-weight obesity: a randomised controlled trial

    10. The role of dietary protein in obesity

    11. Plant Proteins: Assessing Their Nutritional Quality and Effects on Health and Physical Function
    12. Whey protein supplementation and its potentially adverse effects on health: a systematic review

  • FDA Approves Gilead’s ‘Game Changing’ Twice-Yearly Shot To Prevent HIV Transmission, Critics Slam K Price Tag – Gilead Sciences (NASDAQ:GILD)

    FDA Approves Gilead’s ‘Game Changing’ Twice-Yearly Shot To Prevent HIV Transmission, Critics Slam $28K Price Tag – Gilead Sciences (NASDAQ:GILD)



    During market trading hours on Wednesday, the U.S. Food and Drug Administration (FDA) approved Gilead Sciences, Inc.’s GILD Yeztugo (lenacapavir) as pre-exposure prophylaxis (PrEP) to reduce the risk of sexually acquired HIV in adults and adolescents weighing at least 35kg, making it the first and only twice-yearly option available in the U.S. for people who need or want PrEP.

    Data show that ≥99.9% of participants who received Yeztugo in the Phase 3 PURPOSE 1 and PURPOSE 2 trials remained HIV negative.

    The first PrEP medication, which was also developed by Gilead, was approved in the U.S. in 2012.

    Also Read: Gilead’s HIV Prevention Drug Could Be Manufactured At Shocking Low Cost: Report

    In the PURPOSE 1 trial, data at the primary analysis showed twice-yearly subcutaneous Yeztugo demonstrated zero HIV infections among 2,134 participants in the Yeztugo group, 100% reduction in HIV infections and superiority of prevention of HIV infections when compared with once-daily oral Truvada (emtricitabine 200mg and tenofovir disoproxil fumarate 300mg; F/TDF) in cisgender women in sub-Saharan Africa.

    In the PURPOSE 2 trial, there were two HIV infections among 2,179 participants in the twice-yearly subcutaneous Yeztugo group, demonstrating 99.9% of participants in the Yeztugo group did not acquire HIV infection and superiority of prevention of HIV infections when compared with once-daily oral Truvada.

    In both trials, Yeztugo, the company’s injectable HIV-1 capsid inhibitor, also demonstrated superiority in the prevention of HIV infections when compared with background HIV incidence (bHIV) and was generally well-tolerated, with no significant or new safety concerns identified

    In the U.S., Gilead is working closely with insurers, healthcare systems and other payers to ensure broad insurance coverage for Yeztugo. Additionally, for eligible commercially insured individuals with commercial insurance, Gilead’s Advancing Access Co-Pay Savings Program will reduce out-of-pocket costs to as little as zero dollars.

    Gilead has submitted a marketing authorization application (MAA) and EU-Medicines for all (EU-M4all) applications with the European Medicines Agency (EMA), both of which the EMA has validated and will review under an accelerated assessment timeline.

    Gilead has also filed for regulatory approval for twice-yearly lenacapavir for PrEP with authorities in Australia, Brazil, Canada, and South Africa.

    Pricing

    Citing an email from a Gilead spokesperson, CNBC noted that Yeztugo’s annual list price in the U.S. before insurance is $28,218.

    A month’s supply of Truvada and Descovy, Gilead’s daily pills for PreP, are both around $2,000 without insurance, which amounts to around $24,000 per year.

    One dose of GSK Plc’s GSK Apretude, which is taken once monthly for the first two months and then once every other month thereafter, costs roughly $4,000 before insurance.

    Winnie Byanyima, Executive Director of UNAIDS and United Nations Undersecretary-General, said, “Lenacapavir could be the tool we need to bring new infections under control, but only if it is priced affordably and made available to everyone who could benefit.”

    “UNAIDS has seen research that lenacapavir can be produced for just $40 per person per year, falling to $25 within a year of rollout. It is beyond comprehension how Gilead can justify a price of $28,218. If this game-changing medicine remains unaffordable, it will change nothing…,” Byanyima added.

    AIDS Healthcare Foundation President Michael Weinstein sharply criticized Gilead’s outrageous pricing, saying, “What could be an extraordinary game changer for HIV prevention is being completely undermined by Gilead’s greed. Charging $28,218 a year will drastically limit the availability of the drug. Gilead continues to feast on tens of billions of dollars, much of which is public funding for their HIV portfolio, at the expense of people living with or at risk of acquiring HIV.”

    Price Action: GILD stock is trading higher by 1.16% to $109.25 premarket at last check Friday.

    Read Next:

    Photo by Tada Images via Shutterstock