Blog

  • My 8 Picks for the Best Workforce Management Software

    My 8 Picks for the Best Workforce Management Software


    I’ve never had to build a shift schedule, approve PTO, or chase someone down because they forgot to clock in. (more…)

  • How to overcome barriers to better health

    How to overcome barriers to better health


    “I just bought a new BPA-free tupperware set.”

    This comment, coming from my friend Anna, caught me off guard.

    Anna’s a highly competent law professional. She’s a critical thinker and she fights in the heavyweight division when it comes to cutting through BS.

    But the Anna I knew was falling into some painful traps that seemed to be bypassing her inner hawk-like skeptic.

    She’s wanted to lose around 15lbs for some time now and came to me to share how stuck she was feeling in this goal.

    She brought up an avenue she was exploring: the new BPA-free tupperware set.

    “Interesting. What inspired you to focus on that?” I asked.

    “Well, I’ve been reading about how microplastics in food containers can mess up our hormones and cause weight gain,” she said.

    I squinted.

    To backtrack, this is right after she told me how she’d been struggling to be consistent at the gym, had been relying on takeout too often, and had been sacrificing boring old sleep for adrenaline-inducing doom scrolling.

    So I asked:

    “What about trying to get more consistent with your workouts, or prepping more homemade meals during the week?”

    And Anna said:

    “Yeah, but I’ve tried that a thousand times. If it were that simple, it would have worked already.”

    We’ve all done this before.

    Ignored or delayed those hard-but-worthwhile habit changes in favor of some ultra-specific, niche magic bullet that’s supposed to “change everything.”

    Spent hours of research on the ultimate, most optimal workout instead of devoting those hours to just doing the basic workout you already know how to do.

    Waited to feel more inspired, motivated, or just less busy.

    Why do we do this?

    Buying new gear or a popular supplement feels like making progress.

    Consuming YouTube videos or articles about stuff you can change feels like you’re doing something.

    And waiting until the “right time” feels, well, right.

    Except, nothing actually changes until we take real, consistent action.

    We’re clever, us humans. And we’ve come up with lots of sneaky ways to avoid the basic, unsexy, difficult actions we need to take that actually drive change.

    In this article, we’ll explore how to take an honest and compassionate look at why you might be distracting yourself from taking impactful action.

    You’ll learn:

    • What the most impactful health habits actually are
    • Three common barriers to making sustainable progress
    • A 4-step process you can apply to start taking positive, productive action
    • How to keep yourself consistent—and achieve your goals

    The stuff you know you should do (but probably aren’t doing consistently)

    We all know what those basic, fundamental health habits are:

    ▶ Exercising, ideally 30 minutes a day, putting in moderate-to-vigorous amounts of effort, with a mix of aerobic and resistance training.

    Eating mostly nutritious, minimally-processed foods. If 80 percent of your diet comes from whole or minimally-processed foods, you’re doing an excellent job. (Translation: “Perfection” isn’t required; pizza can be part of a healthy diet.)

    Eating enough protein to support muscle mass, appetite regulation, and body recomposition goals, if you have them. Aim for about 1.2 to 2.2 grams of protein per kilogram of body weight (for most people, this adds up to about 4-6 palm-sized portions of lean protein per day).

    ▶ Prioritizing getting seven to eight hours of quality sleep. You can’t always control how well you sleep, but having some wind-down time before bed can help, as can waking up at the same time every day.

    Avoiding or at least reducing excessive consumption of alcohol or drugs, including cigarettes. No fun, we know. But it’s for a good cause.

    Easily, we could add stuff like prioritizing positive, nurturing social relationships, managing stress, and probably others, but just the above list is uncommonly met.

    In fact, only six percent of Americans perform all five of the following basic health behaviors:1

    • Meet physical activity recommendations
    • Don’t smoke
    • Consume alcohol in moderation (or not at all)
    • Sleep at least seven hours
    • Maintain a “normal” BMI

    If you’re doing the math, that means close to 94 percent of Americans aren’t doing the basics.

    Yet, these foundational behaviors also help us achieve a long list of common goals, whether that’s reaching a healthy weight, improving athletic ability, or just living a longer, healthier life.

    So why do we struggle so much to do them?

    Here are three common barriers we see among clients (and coaches!), plus potential solutions to overcome them.

    By the way, ambivalence is normal.

    That push-and-pull feeling you have when you think about making a change?

    It has a name, and it’s called ambivalence.

    Ambivalence describes the mix of feelings you have when you contemplate, say, waking up earlier so your mornings are less stressful, or cutting down on TV time.

    We naturally and normally feel ambivalence about change—“I want this, and at the same time, that.”

    (For example, wanting to eat healthier, and also wanting to have your favorite treats whenever you want without constraint.)

    We also naturally and normally feel resistance towards change—“I want this, and at the same time, not.”

    (For example, wanting to stop using your phone as a mindless distraction, but not wanting to deal with the anxiety you get whenever you’re left with your own thoughts.)

    These contradictory emotions can seem frustrating, puzzling, or “illogical.” Yet, ambivalence and resistance are fundamental parts of the change process.

    The higher the stakes of change, the more likely we are to feel a mix of strong and unexpected emotions, pushback, rebellion, angst, and other types of resistance and ambivalence.

    Rather than signaling that the change is a wrong move, strong ambivalence and resistance tend to signal that this change matters to us.

    In a sense, it’s good news.

    It tells us we care.

    Basics Barrier #1: You have ambition overload.

    Maybe you’ve decided you want to be healthier. So you declare that, starting Monday, you’re going to exercise for an hour everyday and “eat clean” at every meal and sleep eight hours every night.

    (Currently, you don’t have a regular exercise habit, don’t particularly like vegetables, and regularly stay up past midnight.)

    Now, let’s be honest: You’re asking yourself to change a lot of stuff at once.

    And the last time you created an elaborate plan for overhauling your life…

    … Did it work?

    Probably not.

    (And that’s okay.)

    When we feel frustrated or stuck in our current situation, making a plan filled with idealistic dreams can provide us temporary relief.

    And our brain has several (normal) cognitive biases that prevent us from judging the future accurately.

    We often think we’ll have more time, energy, attention, and motivation in the future than we really do.2 3 4 5

    There’s a powerful, instantaneous comfort that comes with overloading our future self. (Because after all, we won’t start the plan until Monday.)

    The problem with this is:

    Big, complex plans often don’t fit into our already busy, complex lives.

    We under-estimate how many smaller tasks are hidden in the bigger plans.

    When we (almost inevitably) are unable to execute these ambitious goals, we blame ourselves, our personality traits, our “willpower” or “discipline,” and build a pitiable story about how we “struggle with consistency.” Or how living this way is “impossible”.

    Then, sadly, we fulfill that prophecy.

    Basics Barrier #2: You think only hardcore, “industry-secret,” or “cutting-edge” stuff works.

    This barrier comes from the following common belief:

    “If getting healthy just took eating, sleeping, and exercising moderately well, then everyone would be healthy.”

    Because everyone knows they should eat their vegetables, get seven to eight hours of sleep per night, and stay active, right?

    (We’d agree.)

    But let’s go back to the previously mentioned statistic:

    Only 6 percent of Americans are consistently performing the most basic health and fitness behaviors.

    If we add on slightly more advanced—but still very basic—behaviors like eating five servings of fruits and vegetables every day, optimizing protein intake, and effectively managing stress, that number would shrink significantly.

    So, the first thing is to believe that these simple behaviors work. Because they do. It’s just that most people (probably close to 99 percent of us) are not doing them all simultaneously and consistently.

    The second thing is to accept that these simple behaviors are a little bit boring. Because they are. Part of the reason we’re attracted to new diets or “magical” supplements is because we just want something more interesting to try.

    That’s especially true if we’ve already sort of tried the “eat more vegetables” thing and it didn’t “work” for us in the way we expected.

    With something new and cutting-edge, there’s also the possibility of a new outcome, a new us.

    And of course, that’s incredibly appealing.

    Thing is, most hardcore, “industry secret,” or “cutting edge” tools and strategies are, respectively: unsustainable, inaccessible, or ineffective (or unproven).

    They’ll take your effort, your time, and often your money, but without giving you a good return on your investment—all the while distracting you from the stuff that actually works.

    Basics Barrier #3: You think your efforts (and your results) have to be perfect.

    Another lie in the health and fitness industry is that you have to be “perfect” to maintain great health. You know, eat only organic salads and chia seeds, be able to run a marathon, and wake up at 5 am every day to meditate and write in your gratitude journal.

    The truth is, perfection definitely isn’t required.

    Depending on how you look at this, this could be a relief to hear, or a disappointment.

    On the one hand, it’s nice to know that you don’t have to have it “all together” to be healthy—even above-average healthy.

    On the other hand, many of us pursue better health with the belief that our optimal or even “perfect” self will one day, with the right plan or routine, be attainable.

    But “perfect” health is an illusion.

    Humans, even exceptionally healthy ones, get sick, get weird rashes, have digestive problems, need reading glasses, get into slumps, or just otherwise have a series of bad days.

    None of us are “safe” from those life events, and accepting that can feel a little… vulnerable.

    It’s much more comfortable to believe that if you just take this powdered algae supplement, or follow this specific morning routine, you’ll be immune to any kind of painful human experience.

    The irony is, to achieve your realistic “best self,” you probably have to accommodate your “worst self” too. You know, the one who’d rather watch another episode of Love is Blind than work out, or eat a party-size bag of Doritos and call it dinner.

    Because life happens.

    Work gets busy.

    Or your kid goes through a “phase.”

    Or it’s pie season.

    Any number of obstacles, distractions, and competing demands make it impossible for perfection to be maintained with any kind of consistency.

    Which is why we need to let go of the illusion that a “perfect” self exists—the one who always has the energy, will, and option to make the ideal choice—and support what our real self wants and needs.

    We’ve got four steps below to help you.

    4 steps to start taking effective (and realistic) action

    Now that we know what’s potentially getting in the way of taking productive action, here are four steps to get unstuck.

    Step #1: Explore the why before the how.

    Before you (or a client) start undertaking something you want to change, it’s helpful to understand your deeper motivations first.

    Do a little investigating by asking questions like:

    • What about this change is important to you?
    • How serious or pressing is this for you?
    • Why not continue doing what you’re already doing?

    You can also go through one of our favorite motivation-mining exercises, The 5 Whys.

    When you know why you want to change something, and you’re clear on the consequences of not taking action, you’ll be more likely to feel that deeper, more sustaining push to keep going, even when things get tough.

    Step #2: Prioritize the most effective actions.

    We can do all the things!! Really!! We just can’t do all the things… all at once.

    Effective change means being able to realistically:

    • Identify all the tasks, trade-offs, and commitments involved
    • Prioritize what matters for the results you want
    • Figure out what to do first

    What are the essentials in relation to your goal? Regardless of all goals, they likely include a movement practice, a nutrition practice, and/or a recovery practice.

    If you want some guidance on how to select the most effective action for your goal, check out our Skills, Practices, and Daily Actions Cheat Sheet.

    Here’s how to use it:

    ▶ Start with the domain you’re most interested in improving (such as “Nutrition” or “Stress”).

    ▶ Then, get specific about what skill within that domain you’d like to improve (for example, “Eat well intuitively”), plus the practice that most appeals to you within that skill (say, “Eat to satisfied”).

    ▶ Lastly, choose a daily action from the list of examples under your chosen practice. (For example, “Record hunger and fullness levels at the start and end of meals.”)

    Once you choose your action, make it work for you by following step 3, below.

    Step #3: Make sure you can take action, even on your worst day.

    “I like to challenge a client to set a pathetic goal. If it’s so pathetic, then obviously you can do it, right?” says Kate Solovieva, PN Super Coach and Director of Community Engagement.

    Sound inspiring?

    Maybe not.

    But if you’ve been struggling with consistency, it’s exactly where to start.

    Ask yourself:

    • What can I do on my absolutely worst day where everything goes wrong? How much time, effort, or enthusiasm will I realistically have?

    Five minutes of walking? 10 push-ups? One extra portion of veggies? Three conscious deep breaths before every meal? Nothing is too small; it just has to be something.

    Now you’ve got your floor.

    Then ask yourself:

    • What can I do on my best day, when I feel on top of the world and circumstances are on my side? How much time, effort, or enthusiasm will I realistically have?

    One-hour of all-out effort at the gym? Two hours of meal prep that will feed you and your family for the next three days? A 45-minute guided meditation?

    This is your ceiling.

    Now that you’ve identified your “floor” and your “ceiling,” you’ve defined a flexible range of actions that can adapt to your fluctuating, unpredictable, real life.

    But applying this range requires a paradigm shift:

    Your health habits aren’t an “on” or “off” switch; they’re on a dial.

    When life is sweet and smooth, you can turn your exercise, nutrition, and sleep dials way up—if you want. Bust through your PRs at the gym, eat all the arugula, meditate like a monk.

    But if life gets nuts, you don’t have to switch off completely.

    Just turn the dial down a little.

    The below is a visual representation of how this might work for exercise, but you can apply this same thinking to your nutrition, sleep, stress management, or whatever you’re working on.

    1-10 movement dial filled

    The important part: Even if you do your “floor” or “dial level 1” action—even if it’s for days on end—it still “counts.”

    You still get the gold star.

    Doing the bare minimum isn’t failing.

    It’s succeeding, in the context of a real, messy, beautiful life.

    Step #4: Create an ecosystem that supports you.

    Health and fitness professionals often forget how different their lives are from their clients.

    For example, many coaches work at gyms, enjoy being physically active, and hang out with other active people. Exercising regularly is almost easier to do than not do, because, as Coach Kate says, “they’ve built a life that makes that habit seamless.”

    So if you want to make your health goals more likely, Coach Kate offers this advice:

    “Build an ecosystem that makes failing nearly impossible.”

    When they want to make a change, many people assume that good intentions and willpower will be enough to carry them through. (And when they fail, naturally, they blame themselves for being “bad” or “weak.”)

    We often forget about the context and environment that shapes our behaviors—making certain actions more likely or less likely to occur.

    A recent review from Nature Reviews Psychology ranked different behavior change strategies and found that access was the number one influencer of people’s behaviors. (People who lived in neighborhoods with affordable grocers close by ate better, just like people who had to drive a long distance to the closest gym were less likely to exercise.6)

    Not everyone can change neighborhoods, but most people have some degree of control over their more immediate environments, and can leverage this power to shape desired behaviors.

    One example is the “kitchen makeover,” where you make sure foods you want to eat are washed, prepped, and at the front of the fridge, ready to eat on a whim. Meanwhile, foods that don’t support your goals get tossed, or relegated to the highest cupboard. (When you need a stepladder from the basement to reach the cookies, you might find you eat them less.)

    (If you want to try it out, check out our Kitchen Set-up Assessment worksheet.)

    Think about the goal you want to achieve, and the behaviors that support it. Then, evaluate how you might make small changes to your environment by:

    • Using a trigger: Sometimes called a “cue” or a “prompt,” a trigger is simply a reminder to do a desired action. For example, you might block the door of your home office with a kettlebell, reminding you that, every time you leave or enter the office, you have to do ten kettlebell swings. If you’re trying to cut down on mindless phone time, you can install an app that reminds you to shut things down after 20 minutes on social media.
    • Decreasing “friction”: Supermarkets put candy next to the checkout, making it easy to slip that chocolate bar into your cart while you’re standing in line, likely bored and hungry. You can be equally sneaky about encouraging positive behaviors too, such as putting fruit on your counter, ready for a quick snack, or packing your gym bag the night before, so it’s ready to grab on your way out the door before you change your mind.
    • Constraining available options: Whether it’s deleting time-sucking apps off your phone, removing foods you know you lose control around from your kitchen, or heck, creating a capsule wardrobe so you waste less time in the morning getting dressed, constraint can actually free up a lot of time, brain power, and energy.

    Invest your energy building the ecosystem that nudges you to make desired actions the obvious choice. This requires a little more work on the front end, but the payoff will be greater for less overall work.

    Embrace C+ effort.

    If you’re a perfectionist, or a former straight-A student, that line hurt to read.

    (Don’t worry. This C+ won’t result in your parents telling you that they’re disappointed.)

    But what all of the above barriers and solutions have in common, is that they recognize and work with our inherent imperfection.

    None of us is perfect, and expecting as much often results in failure (or at best, short bursts of success, followed by a crash).

    Adopt an attitude of compassion and acceptance towards your human self—who’s most likely trying their hardest—and work with your vulnerabilities, instead of constantly expecting yourself to grit your teeth against them.

    There will be times you’re getting “A’s” in fitness. That’s awesome. And you also don’t need to aim for C+. Just don’t think of yourself as a failure when you have to dial it down.

    Living a healthy, meaningful life means constantly striving to do our best—while also allowing for flexibility, mistakes, and bad days (or seasons).

    You’ll be surprised at how much better “good enough” is than nothing. Especially in the long run.

    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.)

  • China factory output slumps but consumption offers bright spot

    China factory output slumps but consumption offers bright spot


    China factory output slumps but consumption offers bright spot

    An employee produces automobile gas cylinders for export at a factory in Ruichang, in eastern China’s Jiangxi province. US tariffs are dampening output of China’s manufacturing sector. (Photo by AFP) / China OUT / CHINA OUT

    BEIJING, China – China’s factory output grew slower than expected last month as trade war pressures bit, official data showed Monday, while a bump in a key gauge of domestic consumption offered a rare bright spot for the economy.

    The United States and China this month agreed to a temporary truce in a blistering trade war that saw tariffs hiked to eye-watering levels and upended global supply chains.

    Article continues after this advertisement

    And the impact of the standoff was highlighted Monday as a report showed industrial production grew just 5.8 percent last month, below the 6.0 percent predicted in a survey of economists by Bloomberg.

    READ: China factory output beats forecasts, weathering tariffs

    That was below a forecast-beating 6.1 percent in April, according to the data published by the National Bureau of Statistics (NBS).

    “Weaker external demand was partly to blame,” Zichun Huang, China Economist at Capital Economics said in note.

    “Despite the tariff truce, the contraction in industrial sales for export appears to have deepened last month.”

    Article continues after this advertisement

    However, retail sales — a key gauge of consumer demand — grew 6.4 percent year-on-year in May, according to the NBS, topping the 4.9 percent forecast in the Bloomberg survey and sharply up from April’s 5.1 percent increase.

    Zhiwei Zhang, president and chief economist at Pinpoint Asset Management, wrote in a note that the retail sales figures “came as a surprise” — pointing to the possible impact of a government trade-in programme for consumer goods.

    Article continues after this advertisement

    The NBS said the world’s number two economy “maintained stability” last month as authorities “stepped up the implementation of more proactive and effective macro policies”.

    But it added that “there are still many unstable and uncertain external factors, and the internal momentum for expanding domestic demand needs to be further strengthened”.

    Beijing has struggled to sustain strong growth since the pandemic, grappling with deep-seated problems at home including a persistent slump in domestic consumption and a debt crisis in the property sector.

    Commercial property prices in a representative group of 70 cities fell month-on-month in May, reflecting continued consumer caution, the NBS said.

    The surveyed unemployment rate — another closely watched figure as millions of young people struggle to find suitable work — edged down to five percent in May from 5.1 percent the previous month, the bureau said.

    China is targeting economic growth of around five percent this year.

    But the picture has been complicated by trade tensions with Washington that erupted in a gruelling tit-for-tat tariff war after US President Donald Trump took office in January.

    The two sides have since agreed a pause on retaliatory levies but have not yet announced a lasting deal.

    isk-mjw/oho/dan



    Your subscription could not be saved. Please try again.



    Your subscription has been successful.

    © Agence France-Presse



  • Using Hierarchies to Accelerate Onboarding and Scale Efficiently

    Using Hierarchies to Accelerate Onboarding and Scale Efficiently


    This post is part of a series sponsored by AgentSync.

    The reality of today’s insurance landscape: Speed is king.

    One lead-response vendor study said 78 percent of sales go to the first vendor to respond to a lead. And speed has a positive correlation with insurance business sales, customer retention rate, and referrals.

    For insurance carriers and agencies, interactions with policyholders depend on your speed to quote, bind, and pay claims for retention. Speed is also vital in the less-visible parts of your business, where producers and other distribution channel partners decide which carriers to represent and quote coverage for.

    Yet, insurers and agencies know they can’t move so quick that they cut corners with compliance. So, how do you balance your need for speed with the knowledge that maintaining accuracy is paramount for producers and customers?

    The clear and obvious answer is to be proactive in taking a digital, technology-first approach to your producer onboarding, compliance, and distribution channel management processes. But not all tech solutions are the same.

    Hierarchy management: A hidden superpower

    Most producer compliance and distribution channel management systems have some element of data synchronization with the industry source of truth, some contracting components, and integrations with other systems (although we will certainly still argue that our versions of these things are a cut above the rest). However, most solutions in the market aren’t handling hierarchies well. Why is hierarchy management, of all things, worth the tech investment?

    Ultimately, it comes down to pairing speed with trust. Move fast and break things might work fine for Silicon Valley companies, but insurers and insurance agencies can’t afford to break things, whether it’s thanks to regulators or thanks to the sheer reputational risk with their partners and consumers. But the drumbeat of progress demands that insurers and their partners deliver at scale and at speed.

    Without robust hierarchy management, moving at speed with your distribution partners poses many risks.

    Why hierarchies matter—a nonhypothetical

    Before you prematurely dismiss the following risks, know that these aren’t just a thought exercise. One AgentSync partner revealed more than 4,200 unique business entities in their hierarchy. After being able to match up the different partnerships and business relationships in their system, they saw about 20 entities were responsible for more than 60 percent of their business volume.

    Without the visibility from mapping producers to their upstream and downstream business relationships, this business could be missing out on where to apply their efforts to best effect.

    Risks of running at speed with poor hierarchy management

    Siloed data

    When different departments manage hierarchy information on spreadsheets or in the “notes” of a digital file, your data ends up siloed. That exacerbates the already-mentioned problems and causes the extra headache of making producers correct and re-correct every new contact at your business. More than that, you can’t accurately assess how your partners are performing. Who’s worth the time and expense you put into your partners, and who’s losing you cash for every year you pay for an appointment fee? If you don’t have visibility into your partners and their relationships, you’re missing the data on who’s critical to your success.

    Wasting staff time and opportunity

    When your organization doesn’t have your partners categorized appropriately and doesn’t reflect their relationships with you and with each other, then accuracy is a tedious manual process that requires your staff to spend time hunting down information. Regional variations in an organization’s pecking order add up to hours of data reconciliation, and that comes at an opportunity cost for the other higher-leverage work your staff could be doing. If you don’t want to spend time manually fact-checking information, you can always just accept that you’ll have a higher not-in-good-order rate for your license or appointment applications or business or commission processing. Because who doesn’t love a nice high NIGO rate?

    Commission mismanagement

    If you don’t know how much every producer in your downline is owed and how to split commissions across their upline agents, you may be facing several risks. Your lowest risk is that you’ll mistakenly pay out a commission and then have to claw it back. But you also risk violating state laws about commission mismanagement and triggering a regulatory audit. If you have W-9 employees who sell on your behalf, commission mismanagement could put you up against Department of Labor protections.

    Reputational damage

    Missed, delayed, or clawed-back commission payment? Slow onboarding process? Every touchpoint with your partners and, by extension, their clients is a moment you’re either impressing or distressing them. When your system doesn’t accurately represent where an agent fits into their business’s hierarchy, it’s like being repeatedly called by someone else’s name over and over.

    Regulatory audit

    Problematic payments and inaccurate documentation risks drawing the ire of a state regulator. Worse, manual hierarchy management for insurance carriers and agencies may mean turning a simple data inquiry into a full-blown audit and costing hundreds of thousands of hours in the data search.

    Change management

    Let’s try on a hypothetical: Your downstream agency partner has been owned and operated by the same agent for 50 years. The new owner steps in, and suddenly there’s chaos. You have multiple places to update—decades’ worth of records and hundreds of contracts need to change to reflect this new information. It’s an administrative nightmare for both you and the newcomer to your partnership.

    What sets AgentSync Hierarchy Management apart

    AgentSync Hierarchy Management stands out from the current market standards because it:

    • Goes beyond simple parent/child relationships, and instead visualizes even the most complex hierarchies with the full context of who is licensed where for what contracts and products.
    • Flows data seamlessly through the entire AgentSync Manage system, updating a full set of hierarchy-linked records when licensing statuses change or a business adds new contracts.
    • Serves as the source of truth for hierarchy and relationship data, ensuring commission calculations in downstream systems are based on up-to-date, correct hierarchy info.
    • Streamlines workflows, with approval requests routing automatically to the right stakeholders, dramatically cutting down on the time needed to onboard a producer or restructure a team.

    Ultimately, much of what sets AgentSync Hierarchy Management apart is that it’s a solution purpose-built for insurance. Multi-level overrides, effective-dated changes, and required upline approvals? These aren’t some specialized custom work—these industry-specific needs come out of the box.

    By using modern, intuitive hierarchy management to power your distribution channel management, you can move at speed and at scale without the business risks inherent to manual and traditional methods of relationship management.

    To learn more about how AgentSync Hierarchy Management can speed your onboarding and scale your business efficiently, watch a demo or schedule a personalized consultation.

  • Why Saving The First ,000 Is Critical

    Why Saving The First $10,000 Is Critical


    When I started working out of college, I had one stream of income. My job.

    Now that I’m in my forties, with twenty-plus years of work behind me, I have several streams of income. Most of them are passive but none of them are special.

    And on the internet, there are thousands of “charlatans “experts” who will want to “teach” you about passive income. There is no course on passive income, it’s these three steps:

    1. The only way to get passive income is to invest in assets that produce cashflow.
    2. The only way to get cash to invest is to save your money.
    3. And the only way to save money is if you spend less than you earn.

    And so if you work backwards, the goal is to save your first $1,000. Then $10,000. Then $100,000.

    Check out this brilliant Charlie Munger quote:

    The first $100,000 is a bitch, but you gotta do it. I don’t care what you have to do – if it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit.

    If you don’t have $100,000 sitting in a brokerage account, your entire goal (financially) is to get to $100,000.

    If you have no savings, $100,000 can seem unattainable. It’s a HUGE number.

    So let’s break it down.

    Step 1: Get to $1,000 in savings

    Your first goal is to save up $1,000. Scratch and claw your way to $1,000. This means cutting the fat in your budget and trying to save as much as possible.

    This is important because if you do not have $1,000 in savings, it means you do not have an emergency fund. Any small emergency can derail you for months if not years.

    Need some ideas of where to start? Check out this list of 105 easy ways to save money.

    You need to cut as much bullshit out of your budget to get to $1,000 so that one financial misstep or accident doesn’t set you back.

    Step 2: Get to $10,000 in savings

    Once you hit $1,000, great! Your next target is $10,000.

    $10,000 is far but within reach. It’s also a sum that can be attained through the cutting of expenses, budgeting, and leaning on side hustles to earn extra cash. You can start doing things like switching banks to get a bank bonus and earn hundreds of dollars each time.

    You can and should save your way to $10,000.

    Then, invest that $10,000. (jump below to what to invest in – it’s a simple three fund portfolio)

    If you get an 8% return each year, that first $10,000 will get you $800.

    $800 sounds OK but not world changing, right?

    But as you grow your assets more and more, compounding will be working on a larger number.

    This is why it’s so important to save and invest. If you don’t, you will forever be trading your time for money. You want to build the habit now.

    Step 3: Get to $50,000 in savings

    Once you have $10,000 and are investing that money, it’s important to realize that it’s much harder to save your way to $50,000. You now have to lean more on the income side of the ledger and find ways to build that up.

    This usually involves investing in yourself to help you earn more. It may mean starting a side business that has the potential to grow beyond being a mere hustle. You can still save your way to $50,000 but it’s much slower.

    But at $50,000 and 8% return, your money is earning $4,000 a year. $50,000 becomes $54,000, which now gets you $4,320 a year. The interest keeps going up each year because your balance goes up.

    If you start with $10,000 earning 8% a year, it takes about 10 years to get over $20,000.

    But then only another 5 years to get over $30,000.

    Then only 4 to get over $40,000.

    The time it takes to add $10,000 gets shorter and shorter.

    That’s the power of compounding and eventually your money starts to earn more than you do. This can be both scary and exciting. (I call it escaping financial gravity)

    When it grows at 8%, over 30 years you’ll have 10x’d your money.

    $10,000 becomes $100,000 – and that’s with no additional contributions and no extra work by you.

    That’s why saving your first $10,000 is critical. You want to get that compounding clock started as soon as possible. The longer it works for you, the more your portfolio will grow.

    Where do you put it?

    First, make sure it’s in a high yield savings account so you’re earning interest. It won’t be a ton but it’s better than 0.01%, which is garbage.

    Then, you want to put it in a brokerage account and invest it in a three fund portfolio:

    • Domestic stock “total market” index fund
    • International stock “total market” index fund
    • Bond “total market” index fund

    These are Vanguard’s versions but you can use anything low cost (Fidelity, Charles Schwab, etc.):

    • Vanguard Total Stock Market Index Fund (VTSAX)
    • Vanguard Total International Stock Index Fund (VTIAX)
    • Vanguard Total Bond Market Fund (VBTLX)

    Then, get out of the way.

  • Does This Lip Plumper Measure Up?

    Does This Lip Plumper Measure Up?


    Fiera Fulluptuous Lip Plumper has earned a place in many beauty routines due to its clear and consistent outcomes. This review looks at why it stands out, based on feedback and factual data.

    Hydration Meets Plumping

    Fiera Fulluptuous focuses on two main results: visible plumping and strong hydration. Its formula is designed to provide a fuller look along with improved moisture, which helps lips feel more comfortable and less prone to dryness.

    When applied, users report an immediate change. The effect appears within minutes, which is helpful for anyone who wants fast results before heading out or starting the day. Feedback supports that the look is subtle and not exaggerated, matching the goal of a fuller but natural finish. The texture is smooth and easy to spread, stopping lips from feeling sticky or heavy.

    The results are long-lasting. Many report that the plump look and hydration last for several hours. This reduces the need for frequent reapplication, which can save both time and product.

    Immediate And Lasting Impressions

    One point that sets Fiera Fulluptuous apart is the speed at which it works. Users often highlight that the fuller lip appearance shows up within minutes. This makes it a practical choice for those who value efficiency. The plumping effect is not fleeting either. Users say it often lasts through daily activities such as eating or drinking.

    The shine provided by the product is subtle. It does not create an artificial or plastic look. Instead, lips take on a soft, healthy sheen that stays natural. The color payoff is also praised. Many find it enhances the shade of the lips without becoming overbearing.

    Application That Works For Most Routines

    Applying Fiera Fulluptuous Lip Plumper is straightforward. The built-in wand assists with targeted spreading. Users are instructed to twist open the wand and swipe the product across the bottom and then the top lip.

    A single application is enough for most people. The makers suggest once or twice daily for best results, stating extra layers are usually not needed. This fits well into basic routines, providing plumpness and moisture without extra effort.

    The mild tingling felt upon first use is a common effect of many lip plumpers. Here, users say it is gentle and present but not painful or irritating. There are no reports pointing to stinging, redness, or discomfort from daily use.

    Moisture That Goes Beyond The Surface

    Hydration is a key benefit. Many users mention that their lips are softer and smoother soon after application. This benefit lasts, with lips staying hydrated for hours. The product’s formula does more than plump. It works on dry spots and fine lines, resulting in a smoother shape.

    Users who struggle with dry or chapped lips find this feature helpful. Instead of causing peel or flake, Fiera Fulluptuous keeps lips conditioned. The benefit of sustained hydration is clear for those who want to skip extra balms or creams in their makeup routine.

    Natural Look, Natural Feel

    A common complaint about some lip plumpers is their waxy or sticky texture. Fiera Fulluptuous is seen as different here. The finish is light and comfortable, not leaving residue or shine that looks out of place. Lips look healthy and fuller, with a slight enhancement of natural color.

    There are no reports of drying out over time, even with repeated use. Instead, the smooth formula supports a fresh look that matches the natural shape and tone of the lips. It avoids the uneven plumping that can happen with harsher options.

    Focus On Comfort And Wearability

    Many users report that they can wear Fiera Fulluptuous alone or with favorite lip colors. The comfort level is high. It does not cause burning, heaviness, or stickiness. For busy routines, its long wear makes it easy to rely on.

    The mild tingling that comes with application fades quickly, replaced by softness and moisture. This product seems suited for those with sensitive lips who wish to avoid harsh chemicals or irritants. Reports mention no irritation, no redness, and no signs of allergic reaction in regular use.

    Practical Choice Instead Of Fillers

    Some people seek fuller lips but want to avoid procedures or high-maintenance treatments. Fiera Fulluptuous is marketed as a skincare-first option. It delivers visible volume without going beyond what is comfortable for daily use. The product claims to enhance rather than overpower, maintaining the natural lip shape and color while adding moisture and fullness.

    Those who try this product often compare it to more invasive solutions. They tend to prefer Fiera for its lower cost, ease of use, and short application process. There is also comfort in knowing the formula does not overreact or cause lasting side effects.

    Side-by-Side With Other Plumpers

    People often compare Fiera Fulluptuous Lip Plumper with options from Buxom, NYX, or Too Faced. Each product has its own texture, finish, and effect. For example, Buxom tends to give a glossy finish, while NYX provides more color choices.

    When looking at many product reviews, including the Fiera Fulluptuous review, common points include comfort and the absence of irritation or dryness. Many mention Fiera’s smoother feel and longer hydration. Such reviews help buyers see differences in wear and results based on actual use.

    User Approval And Practical Results

    Fiera Fulluptuous enjoys consistent praise from those who want both comfort and visible results. Users state that the color is attractive, and the formula does not gather in lip creases or feather along the edges. Many note it is easy to wear on its own or as a base for lipsticks and stains.

    Satisfaction runs high for those seeking a basic, reliable way to achieve a fuller look without looking overdone. People who report frequent irritation with lip products often find this one cushions their lips and avoids reaction.

    The hydration benefit also means lips look less lined, which contributes to a smoother finish. Reviews point to better lip volume along with a softer and more flexible texture. Many users recommend the product for those who have tried other plumpers and been unhappy with the texture or wearability.

    Visible Enhancement Without Compromise

    Few products in the category offer both long-term moisture and an increase in lip volume. Fiera Fulluptuous achieves this balance. It does not cause the dryness or uneven finish that can appear with other brands. As a result, daily use supports smoother, fuller lips without the risk of flaking or irritation.

    Its simple application, reliable effect, and smooth finish make it a popular choice. People who want an alternative to fillers or who simply want a slight boost in fullness and color each day tend to recommend it to others.

    Final Review

    Fiera Fulluptuous Lip Plumper shows a steady record of positive outcomes. Reports confirm that it delivers a clear boost in lip fullness and moisture. The shine is understated, the color blends well with most lips, and the formula is comfortable over long hours. Application is quick and easy, with results visible soon after use.

    Feedback from regular users highlights the consistent results, lack of irritation, and ability to wear alone or with lip color. Compared to more expensive or intense treatments, Fiera Fulluptuous stands as a sensible option. It offers an easy way for most to achieve fuller, softer lips each day.



  • DemandJen’s Outreach Tips [+ Video]

    DemandJen’s Outreach Tips [+ Video]


    Most sales outreach fails. Not because reps aren’t trying hard enough, but because they’re saying the wrong things at the wrong time.

    (more…)

  • DIY Postpartum Gift Basket Ideas For the Crunchy Mom

    DIY Postpartum Gift Basket Ideas For the Crunchy Mom


    It’s really common to have a baby shower for new parents. And while baby shower gifts and a new baby are always exciting, let’s not forget about the mom to be either! A postpartum gift basket is a great way to show a new mama (or seasoned mama) some love.

    If you don’t have the time/money to do a large new mom gift basket, even just an item or two can show you care. Postpartum recovery can be tough, both physically and emotionally. And if the new mama is breastfeeding or had a C-section, those come with their own challenges. A postpartum care package is a great way for moms to get a little self-care and pampering.

    Gifts like a journal to process postpartum emotions, a comfy robe, or nursing-friendly pajamas are all great ideas. Throw a water bottle or even a gift card in there too! I have lots of ideas in this postpartum essentials post.

    DIY Postpartum Gift Basket Ideas

    Some of the most affordable and thoughtful gifts are homemade ones. And if you’ve been a reader for very long, you know I love a good natural DIY recipe! The following DIY postpartum gift basket ideas are simple to make and make a great gift for any new mom and her little one.

    Some of the recipes serve double duty and are great for other family members, not just moms.

    Note: Be sure to double check before adding essential oils to any of the recipes, like lotion. For example, oils like peppermint can decrease breastmilk supply. Here’s a thorough list of which essential oils breastfeeding moms should avoid.

    Soothing Postpartum Home Remedies

    Pregnancy is an impressive accomplishment, but it can come with stretch marks, C-section scars, and other struggles. Here are some DIY postpartum gift ideas to help mom heal faster and soothe the aches that come with postpartum life.

    • Soothing Postpartum Spray – Helps calm inflammation, relieve pain, and restore damaged tissue in the peri area.
    • After Birth Sitz Bath – This soothing mix of herbs helps to make mama’s sore bottom less sore. The dry mix can be brewed as a tea and added to a sitz bath or a peri bottle.
    • After Birth Bath Fizzies – These bath bombs feature nourishing herbs instead of essential oils for soothing relief.
    • After Birth Tincture – As any seasoned mom knows, after birth contractions can be as painful (or more) than labor itself. Soothe the after birth pains with this homemade tincture.
    • Rice Heat Packs – These reusable heating pads are a lifesaver when it comes to postpartum discomfort. Customize them with your favorite fabric and add lavender for added relaxation.
    • Padsicles – These are a great way to relieve pain and inflammation in the peri area. It’s basically herbal tea frozen onto a pad.

    Nourishing Foods

    Building a baby takes a lot out of a mom, so it’s important to focus on good nutrition. And if they’re breastfeeding, they’re burning an extra 500-700 calories a day! Traditional cultures made sure new moms were getting plenty of nutrient dense, warming, and animal-based foods.

    • Pregnancy Tea – I drank herbal tea when I was expecting, but many of the same nourishing herbs are also great for postpartum. They increase the nutritional value of breastmilk and help restore mom’s nutrient stores.
    • Soups and Stews – Slip a jar of some homemade soup into their gift basket (for the freezer) or drop it off on their doorstep after baby arrives. Soups and stews can be a nourishing way to replenish vitamins and minerals.
    • Sauerkraut – Keep things moving in the bathroom with some homemade sauerkraut! Great for the gut microbiome and offers a big probiotic boost.
    • Bone Broth – Nourishing bone broth is a staple in our home and also great for postpartum moms.

    DIY Bodycare

    Making homemade skincare products is a great way to opt for clean, non-toxic ingredients. Plus, they’re fun to make! Many of these recipes use essential oils, so be sure to opt for breastfeeding safe ones or omit them.

    • Homemade lotion – Soothing shea butter and coconut oil combine to make this luxurious lotion. Infuse the oils with herbs like calendula and chamomile for a gentle version.
    • Whipped Body Butter – Similar to a lotion but even more moisturizing. This whipped body butter features cocoa butter, shea butter, and coconut oil.
    • Lotion Bars – Another one for team lotion. These portable lotion bars have all of the benefits of homemade lotion with less mess.
    • Rosehip Facial Moisturizer – Pregnancy can cause skin changes, including melasma (dark patches) on the face. A face moisturizer can be a great way to help their skin bounce back better.
    • Hair Growth Oil – Postpartum hair loss can be intense. Help moms take care of their locks and support stronger hair and hair growth with this DIY hair growth oil.
    • Tallow Lip Balm – Tallow closely mimics our skin’s natural oils, making it a great option for moisturizing. And this tallow lip balm is simple with only 4 ingredients!
    • Homemade Lip Balm – Want a more traditional Chapstick recipe? This hydrating lip balm is a great option for parched lips.

    Nursing Moms Postpartum Gift Basket Ideas

    If the new mom is breastfeeding, here are a few recipes to help her out. These are great whether she’s a first-time mom or a seasoned pro.

    • Nursing Balm Nipple Cream – No one prepared me for how much breastfeeding could actually hurt at first! This nipple cream is safe for baby and helps soothe sore or damaged nipples.
    • Nursing Mom Tea – This blend of herbs helps provide much needed nutrition and boost breastmilk supply. Plus it tastes pretty good too! Give her a jar full of dried tea mix along with a new thermos to keep it warm!
    • Lactation Cookies – While nursing tea is certainly nice, who doesn’t like cookies? These lactation cookies are delicious and are a great way to naturally increase breastmilk.

    Sweet, Sweet Sleep

    Any mom with a newborn knows that sleep can be elusive (and sometimes non-existent). Helping baby stay healthy and supporting their nervous system (like through pediatric chiropractic care) can go a long way towards helping baby sleep at night. While a full night’s sleep isn’t always guaranteed, the following can help mom have a little more rest and relaxation.

    • Relaxing Pillow Spray – This pillow spray uses calming and stress relieving essential oils like lavender and bergamot. While all of the essential oils used here are considered safe to diffuse around babies, use caution if using directly near co-sleeping babies sleep space.
    • Sleep Lotion – Help relax and calm with soothing lavender and cedarwood lotion.
    • Magnesium Body Butter – Most of us are magnesium deficient, and magnesium lotion can be a great way to relax and soothe tired muscles. I like applying this on the legs and bottoms of my feet before bed.
    • Buckwheat Eye Mask – Make a DIY buckwheat pillow eye mask with added herbs.

    What are some of your favorite items to have on hand postpartum? Leave a comment and let us know!

  • Triple-I Blog | Personal Auto 2024 Underwriting Results Best Since Pandemic

    Triple-I Blog | Personal Auto 2024 Underwriting Results Best Since Pandemic


    Triple-I Blog | Personal Auto 2024 Underwriting Results Best Since Pandemic

    By William Nibbelin, Senior Research Actuary, Triple-I

    The U.S. personal auto insurance industry saw a significant turnaround in 2024, achieving its best underwriting result since the pandemic began, according to Triple-I’s latest Issues Brief.  

    In fact, with a net combined ratio of 95.3, personal auto insurance has outperformed the broader property and casualty (P/C) insurance industry in terms of underwriting profitability for 10 out of the last 20 years. A combined ratio under 100 indicates an underwriting profit. One above 100 indicates a loss.

    This positive shift comes after a period in which personal auto premiums experienced fluctuations. While the overall P/C industry outpaced personal auto in premium growth from 2018 to 2022, personal auto saw a strong rebound in 2023 and 2024, with double-digit premium growth rates of 14.4 percent and 12.8 percent, respectively. This surge in premiums follows a notable decline in 2020, the first since 2009, largely due to reduced driving during the initial phase of the COVID-19 pandemic. Since then, vehicle miles driven have returned to pre-pandemic levels.

    A major factor influencing auto insurance premiums has been the significant rise in replacement costs for vehicles and parts after the pandemic. Insurers adjusted rates in response to these increased costs. The changes in consumer prices for new and used vehicles, as well as parts and repairs, have shown a strong correlation with average insurance rate adjustments over the past decade:

    • New Vehicles: 88 percent correlation;
    • Motor Vehicle Parts & Equipment: 74 percent correlation;
    • Used Vehicles: 79 percent correlation; and
    • Motor Vehicle Maintenance & Repair: 78 percent correlation.

    Looking at losses, the direct incurred loss ratio for personal auto improved considerably by 21.7 points from late 2022 to the end of 2024. However, this improvement wasn’t uniform across all types of claims. Auto physical damage claims saw more improvement than auto liability claims, creating the largest disparity between the two in over a decade of 15.7 points.

    Loss trends in personal auto are shaped by how often claims occur (frequency) and the average cost of each claim (severity). For personal auto liability, while the number of claims has stayed below pre-pandemic levels, the average cost per claim has continued to rise year after year with a cumulative increase from 2019 to 2024 of 54.2 points.

    One of the significant challenges contributing to the increasing severity in personal auto liability is what’s known as legal system abuse. This includes a rise in lawsuits, larger jury awards, and more attorney involvement in claims. This phenomenon, intertwined with broader inflation, has driven up auto liability losses and related expenses by a range of $76.3 billion to $81.3 billion from 2014 to 2023 according to the latest Triple-I | Casualty Actuarial Society study.

    Another important factor impacting the auto insurance market is the state regulatory environment. A recent report by the Insurance Research Council on Rate Regulation in Personal Auto Insurance indicated that the process for insurers to get rate changes approved has become more complex across the country between 2010 and 2023. This has led to longer approval times and a higher incidence of insurers receiving less than their requested rate increases. These trends can ultimately affect the availability of competitive auto insurance policies for consumers.

    Learn More:

    Even With Recent Rises, Auto Insurance Is More Affordable Than During Most of Century to Date

    New IRC Report: Personal Auto Insurance State Regulation Systems

    U.S. Consumers See Link Between Attorney Involvement in Claims and Higher Auto Insurance Costs: New IRC Report

  • Use an Independent Agent for Auto and Home Insurance

    Use an Independent Agent for Auto and Home Insurance


    Auto and homeowners’ insurance have gotten a lot more expensive in recent years. Many people experienced premium increases of 10%, 20%, or more on their renewals. Inflation in materials and labor, technological advances in vehicles, weather events, and natural disasters are all causes to blame.

    A friend asked me which insurance company I used for my homeowners insurance when AAA insurance wanted over $3,000 a year to insure his home. I sent him to the independent insurance agent I use. The agent placed him with the same company I’m with. The premium was a little over $1,000, saving him $2,000 a year.

    Sales and Service Channel

    Home and auto insurance companies sell and service policies through different channels. Some insurance companies market directly to consumers by heavily advertising on TV and streaming platforms. I’m sure you’ve seen ads from GEICO. You buy their policies online, use their website to renew or make changes, and call a toll-free number for customer service.

    Some companies sell policies through a group of captive agents. Both the company and the agents are exclusive to each other. You go through a State Farm agent if you want insurance from State Farm. The State Farm agent only sells policies from State Farm. Allstate and Farmers also operate under this model.

    Some other companies sell through independent agents. These agents are small businesses that sell policies from many insurance providers. They serve as a shared outsourced sales and customer service department for the insurance companies they represent.

    It doesn’t cost you anything to use an independent agent. Insurance companies pay commissions to independent agents, saving money on advertising and staffing their own sales and customer service call centers. The independent agents handle all consumer interaction, including new policy sales, coverage changes, and claims.

    Using an independent agent doesn’t guarantee you’ll have the lowest premiums. The agent can shop for you among all the companies they sell for, but they can’t quote policies from companies that don’t sell through them. You can only find out whether GEICO or State Farm offers a better deal by going to GEICO or State Farm. Getting quotes from an independent agent only taps into a pool of insurance carriers that you otherwise don’t think of.

    Finding an Independent Agent

    I found my independent agent when I first moved to a new state. I read the comparison report published by the state insurance department (see State Government Helps You Find Lower Auto & Home Insurance). One company jumped out as offering substantially lower premiums, especially in homeowners insurance.

    This insurance company is over 100 years old, but I had never heard of it because it only operates in one state. I saw on their website that they only sold through independent agents. I used the “find an agent” feature on the website to find this local independent agency.

    Safeco (owned by Liberty Mutual) is a large national insurer that sells exclusively through independent agents. Using Safeco’s website is an easy way to find an independent agent near you. You are not trying to get insurance from Safeco; you’re only using its website to find an agent. An agent that sells for Safeco also sells for other companies.

    You can also Google “independent insurance agent” plus the name of your city.

    One-Stop Shop with Better Service

    I started working with my agent on a renter’s policy when I was renting. The landlord wanted us to show proof of renter’s insurance that covered sewer backup. Most renter’s policies don’t cover sewer backup because it’s typically covered in a landlord’s policy. The agent put in extra effort to find a renter’s policy that met the landlord’s demand. The premium for the renter’s policy was only $150 a year. The agent’s commission on it couldn’t be that much.

    An independent agent is separate from the insurance company. You can tell the agent things that you don’t necessarily want to tell the insurance company yet. When I had a broken windshield, I asked the agent whether it was worth filing a claim and risking raising my premium. The agent told me how that specific insurance company typically treated glass claims on renewals. When I was considering buying a home, I asked the agent for a quote to factor it into the budget, even though I don’t own the property yet. When I needed a home inspector, I asked the agent for a recommendation, which worked out great.

    The agent re-shops my auto, home, and umbrella policies among the companies in their universe each year. If another company offers a better deal, the agent asks me if I want to move my policies. This creates competition among insurance companies that sell through independent agents. The business moves away quickly if an insurance company isn’t competitive.

    Your insurance policies may move from one company to another but you still interact with the same independent agent with continuity. Consulting an experienced agent for your insurance needs is much better than calling a remote call center. I also feel good about supporting a local small business and smaller insurance companies as opposed to national and international giants. If the bottom-line price to me is the same, I’d much rather see money going to local small businesses than ad spending going to media conglomerates.

    Some insurance agencies also sell health insurance. The agency I work with has a person trained and licensed for ACA health insurance. He helps people with annual enrollment. Using an agent for ACA health insurance doesn’t cost anything extra. The agent earns a commission from the insurance company. The insurance company keeps the commission for itself when you enroll without an agent.

    ***

    If you have only bought auto and home insurance from a national brand, a local independent agent gives you another channel to other insurance companies. You may or may not get lower premiums through that channel, but it’s worth a try. If premiums are comparable, you may like the better personal service from an independent agent and feel good about supporting a local small business.

    [Image credit: Pixabay.]

    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