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  • The Surprising Benefits of Baking Soda 

    The Surprising Benefits of Baking Soda 


    If you’re anything like me, you probably have a box of baking soda tucked away in your pantry. Maybe you use it for baking, cleaning, or deodorizing the fridge. I recently did a deep dive and discovered that baking soda actually has some pretty impressive health benefits. It may even be one of the most overlooked wellness tools out there.

    I started experimenting with baking soda ( aka sodium bicarbonate) as part of my wellness routine. The results so far have been fascinating. Baking soda has a variety of benefits, from improving energy and endurance to supporting pH balance and even sleep. This unassuming ingredient may have far more to offer than we give it credit for.

    This article explores what I’ve learned, what the science has to say, and how I’m using baking soda in my daily routine. 

    Why Baking Soda Matters for Your Body

    Baking soda isn’t just for baking cookies (although they are delicious!). It’s a natural compound already found in our bodies and plays a key role in maintaining acid-base balance, or pH. Our blood pH is tightly regulated between 7.35 and 7.45, and our bodies work hard to keep it in that range. Sometimes even pulling minerals from bones or other tissues to maintain balance.

    This is where baking soda comes in. It acts as a buffer to neutralize excess acids in the body. Modern life throws a lot at us that can push us toward being more acidic, including intense exercise, stress, processed foods, and even infections. Supporting the body’s natural buffering system can help restore balance. And as I’ve found, it can also improve how we feel and function on a daily basis.

    Take a Deep Breath

    What fascinated me most is how baking soda interacts with carbon dioxide (CO2) and oxygen delivery. We often hear about the importance of getting enough oxygen, but CO2 plays a critical role in making sure oxygen actually gets into our tissues. Through a process called the Bohr effect, higher CO2 levels help red blood cells release oxygen where it’s needed. These include places like your brain, muscles, and mitochondria (the cell’s energy factories).

    Many of us are unintentionally under-breathing, breathing too shallowly, too quickly, or mostly through the mouth. This lack of air intake can then lower CO2 levels and impair oxygen delivery. Baking soda supports CO2 balance, which in turn may help improve energy, focus, and endurance.

    Baking Soda for Energy and Endurance

    One of the first things that caught my attention when researching baking soda was how it’s been used in the athletic world. It was once even banned by the World Anti-Doping Agency (WADA) as a performance-enhancing substance. Studies show baking soda can stave off fatigue and improve endurance. It’s no longer banned though since it’s a natural, common substance.

    After intense exercise lactic acid builds up in the muscles, causing that familiar burning sensation and eventually fatigue. Baking soda buffers this acid to help delay muscle fatigue. A 2013 meta-analysis in the Journal of Strength and Conditioning Research confirmed these results. They found that supplementing with baking soda improves short-term, high-intensity exercise performance in elite athletes. 

    You don’t have to be an elite athlete though to experience positive effects from baking soda!

    Mitochondria, Oxygen, and pH Balance

    Beyond athletic benefits, baking soda’s effects go much deeper, even down to the cellular level. Our mitochondria thrive in a very narrow pH range and need proper oxygen delivery to make ATP (energy). By helping balance CO2 and pH, baking soda may help boost mitochondrial efficiency for more lasting energy.

    When I first started experimenting, I noticed clearer thinking, steadier energy, and improved workout recovery. Personally I feel that’s worth paying attention to, especially since this is one of the cheapest wellness tools out there.

    Anti-Inflammatory and Immune Support

    You may not think of immune health when you think of baking soda, but it may deserve a spot next to your elderberry syrup. 

    A 2018 study in the Journal of Immunology found that sodium bicarbonate activates anti-inflammatory pathways through the spleen. It seems to shift the balance of immune cells, reducing pro-inflammatory macrophages and increasing anti-inflammatory T-cells.

    The same study also showed some evidence that baking soda can reduce inflammatory cytokines in those prone to autoimmune disease. It may even support the vagus nerve, which is key for calming the nervous system. As someone who has dealt with autoimmune issues in the past, it’s something I’m trying to keep at bay. 

    While human research is still limited, I’ve found that when I take baking soda consistently, I feel calmer and less inflamed. This is just my own experience, but the science backing it up is promising.

    Kidney and Digestive Support

    Medical experts have used baking soda for years in specific situations. Doctors sometimes prescribe it to slow the progression of chronic kidney disease by reducing the body’s acid load. A study in the Journal of the American Society of Nephrology showed it slowed down kidney decline and reduced the need for dialysis in some patients.

    It’s also a well-known quick fix for occasional heartburn or acid reflux because it neutralizes stomach acid. However, I don’t recommend using it very often for this. Long-term, we want to support healthy stomach acid, not unnecessarily reduce it.

    Some people also use baking soda to alkalize urine and discourage bacterial growth in urinary tract infections (UTIs). I’ve had friends use this in a pinch while traveling, and it worked surprisingly well for them.

    Better Sleep and Stress Support

    Another baking soda benefit that surprised me was how it can help with sleep and relaxation. Research suggests it can increase nitric oxide production, which improves blood flow. Drinking a little bit in water throughout the day has been linked to better sleep quality and fewer bathroom trips at night. 

    I’ve used baking soda baths on occasion for years to help with detox, especially combined with Epsom salts. A 20 minute soak is really relaxing, supports detox, and reduces stress. Many of the studies done on baking soda’s benefits used it as part of a warm bath. 

    On nights after tough workouts, this bath routine feels amazing and seems to help me fall asleep faster.

    Oral Health Benefits

    One of it’s more popular and well known uses, baking soda is great for oral care. Baking soda is already a popular ingredient in natural toothpaste because it helps alkalize the mouth and whiten teeth. It can help reduce acidity in the mouth and support a healthy oral microbiome.

    That said, it’s important to use it correctly. Too much can be abrasive or overly alkalizing. If you’re looking for a natural toothpaste that uses a balanced amount of baking soda, here’s what I use. More of the DIY type? Here’s my remineralizing toothpaste recipe. 

    How I Use Baking Soda

    While I do focus on movement and working out, I’m not an elite athlete taking huge doses. Some athletes work up to tablespoons at a time, which can cause digestive distress if you’re not careful. What I’m doing is much more modest, about ½ teaspoon in water once or twice a day. Sometimes I’ll add an extra dose before a workout. So far, I’ve noticed better endurance, quicker recovery, and less muscle soreness.

    Here’s more on how I’m using baking soda in my daily routine

    • Orally– I drink ½ teaspoon of baking soda in water on an empty stomach, about 30 minutes before breakfast. Sometimes I’ll take another ½ teaspoon mid-afternoon or pre-workout, especially on high-intensity workout days.
    • Baths – A mix of Epsom salts and baking soda in a warm bath for 20 minutes. This feels really good on days where I’ve been more active or stressed!
    • Oral care – The natural toothpaste I use everyday has baking soda.

    A Few Precautions

    Even though baking soda is natural and inexpensive, more is not always better. High doses can cause nausea, bloating, or diarrhea. People with certain health conditions, especially kidney or heart issues, should talk to their healthcare professional first.

    If you want to try it, start small and see how your body responds. A tiny amount can have a surprisingly big effect. And yes, it tastes salty and not particularly pleasant in water. I sometimes add a squeeze of lemon juice or a pinch of sea salt to make it more palatable.

    I also make sure to take this away from meals because baking soda can temporarily reduce stomach acid, and I want strong stomach acid for digestion.

    Final Thoughts On Baking Soda’s Benefits

    Baking soda might just be one of the most underrated wellness tools out there. By supporting pH balance, CO2 levels, and mitochondrial function, it can improve energy, endurance, and even sleep—all for just pennies a day.

    As always, be sure to do your own research before starting any new supplement. It’s also a good idea to start small and listen to your body. This simple addition has been a game-changer for my energy, workout recovery, and even mental clarity. And the best part is it’s probably already in your pantry! 

    Have you ever used baking soda before? What are your favorite ways to use it? Leave a comment and let us know!

  • Objectives of Portfolio Management Explained

    Objectives of Portfolio Management Explained


    Making smart investment choices has become more important than ever. With rising prices, changing markets, and new investment options, it’s not enough to simply invest—you need a clear plan to grow and protect your money.  That’s where portfolio management helps. It focuses on building a mix of investments that match your financial goals, time frame, and comfort with risk. Whether you’re just starting out or already investing, understanding the objectives of portfolio management will help you make better decisions. 

    In this blog, we’ll explain the key goals of portfolio management and how expert support through portfolio management services and PMS services can guide you in creating a well-balanced, goal-focused investment portfolio.

    What Is Portfolio Management?

    Portfolio management is the art and science of selecting and overseeing a group of investments that meet an investor’s long-term financial goals and risk tolerance. It involves strategic asset allocation, investment selection, performance monitoring, and rebalancing to keep your investments aligned with changing life situations and market conditions.

    Whether you’re managing your portfolio independently or through professional portfolio management services, the ultimate goal remains the same: to grow wealth sustainably while managing risk effectively.

    Why Do You Need Portfolio Management Today?

    India’s growing investor base, fueled by increased financial literacy, digital platforms, and rising disposable incomes, demands a more disciplined approach to investing. In a scenario where asset classes such as equities, mutual funds, bonds, ETFs, and alternative investments are available at the click of a button, the need for professional management has never been more evident.

    Let’s discuss the key objectives of portfolio management that every investor must be aware:

    1. Achieving Capital Appreciation Over Time

    One of the most fundamental objectives of portfolio management is capital appreciation — the increase in the value of your investments over time. This objective focuses on generating wealth in the long term by investing in growth-oriented assets like equities, diversified mutual funds, and hybrid investment products.

    Smart portfolio management involves spotting growth opportunities across asset classes and taking calculated exposure based on individual risk profiles.

    How PMS Services Help: Professional PMS services often provide tailored equity and multi-asset strategies designed for capital appreciation. These are managed actively by experienced fund managers who track market movements, economic shifts, and sector trends to help your portfolio grow.

    2. Risk Optimization Through Diversification

    All investments carry some level of risk, but one of the objectives of portfolio management is to manage and optimize this risk — not eliminate it completely. A well-structured portfolio ensures that your capital isn’t tied to a single sector, company, or asset class.

    Diversification ensures that even if one investment underperforms, others can potentially balance the impact. Today’s portfolios may include a mix of domestic and international equities, government and corporate bonds, gold ETFs, REITs, and more.

    Current Relevance: In uncertain times — be it geopolitical conflicts, inflationary pressure, or interest rate hikes — diversification becomes your shield. With a strategic spread, your portfolio remains resilient and aligned with your long-term goals.

    3. Maintaining Liquidity for Emergency and Opportunity

    Liquidity refers to how quickly your investments can be converted into cash without significant loss. A robust portfolio strikes the right balance between high-return but low-liquidity assets (like real estate or long-term bonds) and highly liquid assets like short-term debt funds or savings instruments.

    Objective: Ensuring sufficient liquidity to meet unexpected expenses, emergencies, or take advantage of sudden investment opportunities.

    Pro Tip: Don’t overlook liquidity while chasing high returns. Professional portfolio management services include liquidity planning as a core element, helping you stay financially agile.

    4. Customizing Portfolio Based on Life Goals

    A cookie-cutter investment plan doesn’t work for everyone. Whether you’re planning for a child’s education, a second home, or retirement, your investment portfolio should reflect your personal goals, timelines, and risk appetite.

    Modern portfolio management services follow a goal-based approach where each investment is aligned with a specific life goal. This brings structure, purpose, and accountability to your investment strategy.

    Example: If you plan to retire in 20 years, your portfolio manager might allocate a higher percentage to equities early on and gradually shift to debt and fixed-income products for capital preservation as retirement nears.

    5. Hedging Against Inflation

    Inflation silently erodes the purchasing power of your money. One of the often-overlooked objectives of portfolio management is to ensure inflation-adjusted returns. This means your portfolio must grow at a rate that outpaces inflation.

    Why It Matters Today: With inflation fluctuating due to global supply chain issues and macroeconomic uncertainties, strategic investment in real assets like gold, inflation-indexed bonds, and equities becomes essential.

    6. Ensuring Tax Efficiency

    Tax planning is an integral component of effective portfolio management. Whether it’s capital gains, dividend taxation, or Section 80C deductions, smart investing also means smart tax-saving.

    A professionally managed portfolio considers the post-tax return on each asset class and makes adjustments to enhance overall tax efficiency.

    PMS Services Insight: The best portfolio management services often tailor strategies that balance growth with minimal tax liability, using long-term investing, tax-loss harvesting, and selective instruments like ELSS (Equity Linked Saving Schemes).

    7. Strategic Rebalancing

    Market dynamics are constantly shifting. What worked a year ago may not be relevant today. Regular portfolio rebalancing ensures your asset allocation remains aligned with your risk profile and financial goals.

    For instance, if equities outperform and start occupying 80% of your portfolio (when your risk tolerance allows for only 60%), rebalancing brings it back to balance by reallocating into debt or hybrid instruments.

    Today’s Context: With AI-driven advisory models, algorithmic strategies, and goal-based PMS services available, timely rebalancing has become more precise and responsive than ever.

    8. Transparency and Control

    Investors today demand more transparency, control, and access over their portfolios. One of the emerging objectives of portfolio management is to provide real-time tracking, performance analytics, and portfolio insights — all while giving clients the freedom to modify their strategies when needed.

    Thanks to digital wealth platforms, even retail investors can now enjoy features once available only to HNIs through PMS services.

    9. Emotional Discipline and Behavioral Coaching

    Human emotions — fear, greed, anxiety — are the biggest disruptors of successful investing. Portfolio management offers structure and discipline, especially during market highs and lows.

    Objective: Help investors stay invested, avoid knee-jerk decisions, and stick to the long-term plan.

    Professional portfolio management services provide behavioral insights and financial coaching, guiding investors to avoid costly mistakes like panic selling or chasing trends.

    10. Legacy and Succession Planning

    As wealth accumulates, passing it on effectively becomes important. Modern portfolio management integrates legacy planning, ensuring your assets are transferred efficiently, with minimal legal and tax hassles.

    Today’s Importance: Many PMS services in India now offer family office solutions, HUF management, and nominee planning to help investors leave behind a secure and structured legacy.

    How to Get Started with Portfolio Management

    If you’re serious about meeting your financial goals while minimizing risk and complexity, consider working with a trusted portfolio management service provider. Look for:

    • A goal-oriented investment philosophy
    • Proven track record and market credibility
    • Digital access to performance dashboards
    • Personalized advisory from certified professionals
    • Regulatory compliance with SEBI guidelines

    The best portfolio management services in India offer tailored strategies based on your income, goals, investment horizon, and risk profile — making wealth creation more focused and efficient.

    Conclusion

    The objectives of portfolio management go beyond just making returns. From risk mitigation and tax efficiency to behavioral discipline and legacy planning, a well-managed portfolio supports every aspect of your financial journey.

    In an increasingly complex investment world, having expert guidance can make a significant difference. Professional portfolio management services combine technology, strategy, and human expertise to create a financial ecosystem that adapts and evolves with your life.

    So, whether you’re a salaried professional, a business owner, or a first-time investor, it’s time to align your portfolio with these objectives and set the foundation for long-term financial well-being.

    Author Avatar Prashant Gaur



  • Meet Dr. Shana Walsh: AFPA’s Curriculum Director & Leader Behind Our NBHWC-Approved Health Coaching Education

    Meet Dr. Shana Walsh: AFPA’s Curriculum Director & Leader Behind Our NBHWC-Approved Health Coaching Education


    What happens when a Ph.D. with a passion for behavior change, a knack for curriculum design, and a gift for connection leads your health coach training? You get Dr. Shana Walsh—AFPA’s Director of Education and Curriculum, and the leader of our Master Certified Health and Wellness Coach program.

    With a Ph.D. in Kinesiology, Exercise Nutrition, and Health Promotion, as well as credentials as a National Board-Certified Health and Wellness Coach, Master Certified Health Education Specialist, and Certified Personal Trainer, Dr. Walsh brings decades of experience to every course she touches. From shaping what you learn behind the scenes to guiding live Zoom sessions with energy and empathy, she’s both the architect and advocate for your coaching journey.

    In this interview, Shana shares her approach to building student-centered programs, what makes AFPA’s live cohort experience so unique, and a few fun facts, like the time she did a pull-up while hula-hooping.

    Shana Walsh, PhD, NBC-HWC, MCHES

    The Secrets Behind AFPA’s Curriculum

    As AFPA’s Education & Curriculum Director, how do you shape the student learning experience? 

    My role encompasses the entire course development lifecycle. This ranges from the planning stage, where we strategize new course offerings and topics that align with student needs, to creating written and video learning materials, and securing top-tier instructors that are experts in their respective areas. I am also involved in assisting current students throughout their AFPA learning journey. In every stage, I prioritize the quality of the education we provide, ensuring the most valuable and applicable content for our students. It’s extremely rewarding to see something go from an idea scribbled on a notepad in pencil to a certification students can earn to change the trajectory of their career and their lives.    

    What’s something most people might not realize about how AFPA develops its curriculum? 

    Most people might not realize that we always start by asking, ‘What’s best for the student?’ The answer to that single question drives every decision we make, from the topics we teach, the teaching methods we employ, the instructors we select, and even the little details, like the on-screen colors in our courses (nay for orange, yay for blue).  

    Beyond course development, what often goes unseen is how much we celebrate alongside our students. When they earn their certificates and find success in the field, we’re absolutely ecstatic. After all, that’s our ultimate goal: to provide the education they need to truly propel them into the professional roles they seek. 

    In the health industry, new research is constantly emerging, providing new information and redefining best practices. At AFPA, we understand that providing our students with outdated information is simply not an option, so we take a proactive approach instead. We make it a part of our routine to monitor the latest issues of leading academic and industry journals, attend industry conferences, tune into webinars, and network with other professional organizations and experts in the field. We’ve even been known to edit a live course to tweak a fact or two based on newly gleaned knowledge. We do this to guarantee that when our students graduate, they have the most current information possible to excel in their careers.  

    What do you see as some of the most valuable skills students gain from AFPA programs? 

    Some of the most valuable skills students gain from AFPA programs include:  

    1. Comprehensive Knowledge: Every single one of our courses provides a wealth of knowledge on the topic of study. For students really seeking to gain expertise in a specific area, AFPA is the ultimate resource.  
    2. Holistic Perspectives: At AFPA, we deeply understand how intertwined all areas of health are. For that reason, we infuse holistic perspectives into everything we teach, supporting our students to see the bigger picture.    
    3. Practical Application and Coaching Skills: It’s one thing to know what to do, but it’s another to be able to do it effectively. We don’t just teach the skills, we also provide ample practice opportunities to apply them to real world scenarios.  
    4. Professional Confidence and Career Readiness: Our programs are designed to build students’ confidence in their abilities, preparing them to excel on their chosen career journey.  

    What makes the live cohort experience special at AFPA? 

    The Advanced Health Coaching Intensive is the dynamic, live component of our Certified Master Health and Wellness Coach program, and it’s AFPA’s only live course. In a single Zoom room, we unite people from across the country and around the globe. While we all come from vastly different walks of life, we share a profound commonality: a deep desire to empower others to become the best version of themselves. There’s magic in bringing together adults of all ages, with their diverse backgrounds and rich life experiences, watching them learn and grow together. It’s truly transformative.  

    Your Guide to Becoming a Board Certified Health Coach

    Learn How to Set Yourself Apart as a Board-Certified Health Coach

    Getting to Know Dr. Walsh Outside the Classroom

    What are a few quirky or surprising things about you that your students might not know? 

    I have successfully completed one pull up while hula-hooping.  

    Also, I’ve scored in the 99th percentile for extroversion on multiple personality assessments.  When I was in first grade, my teacher moved my seat for talking so many times, I ended up sitting next to every single kid in class.   

    I didn’t learn to ride a bike until I was an adult, because as a kid I wanted to focus all my energy on rollerblading.  

    When you’re not working on curriculum, teaching, or coaching, how do you recharge? 

    As a quintessential extrovert, I recharge by spending time with others. Whether it’s from good conversation with my neighbors sitting around the firepit, some friendly competition in rec pickleball, or soaking up quality time at home with my family, the energy I get from social connectedness fills my cup.   

    If you had to sum up your philosophy on behavior change in one sentence, what would it be? 

    If you change your health, you change your life.  

    Her Advice for Aspiring Coaches

    What advice would you give to someone who’s on the fence about joining the next live health coaching session? 

    If you’re on the fence about joining the next live course, remind yourself that this is one of the most efficient and affordable ways to become a National Board Certified Health and Wellness Coach. As an NBHWC-Approved program, AFPA offers a direct and supportive path to board certification without unnecessary delays or expenses. 

    If your goal is to provide a meaningful service to others through the power of health and wellness coaching, while earning a living doing work that makes a difference, this is your opportunity. You’ll gain the skills to help people make real, lasting changes in their lives—and be compensated for the value you provide. Health and wellness coaching is still an emerging field, which means there’s room to grow, contribute, and establish yourself in an emerging profession.  

    At the same time, this isn’t just about your clients—it’s a transformative experience for you, too. Through this training, you’ll deepen your own self-awareness, develop essential coaching skills, and build the confidence needed to not only pass the board exam but to truly be a great coach. 

    If that sounds like the kind of career and personal growth you’ve been looking for, stop hesitating and sign up today!

    📆 The next AFPA live health coaching session begins soon.

    Join a global group of aspiring coaches and learn from some of the field’s leading educators.

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  • How to Build a Personal Brand That Actually Drives Business Results [+ Video]

    How to Build a Personal Brand That Actually Drives Business Results [+ Video]


    Stop everything!

    (more…)

  • Blood Clots May Be the Root Cause of All Heart Disease

    Blood Clots May Be the Root Cause of All Heart Disease


    Editor’s Note: This article is a reprint. It was originally published February 13, 2022.

    In this interview, repeat guest Dr. Malcolm Kendrick, a board-certified family physician and author of the book, “The Clot Thickens: The Enduring Mystery of Heart Disease,” reviews the underlying mechanisms for heart disease, which for the last century has been the leading cause of death in the U.S.

    Of all the books he’s written, this is my favorite, as it goes into great detail, giving you the biological understanding of the process of atherosclerosis leading to heart attacks and strokes. He also has solid strategies for lowering your cardiovascular disease risk.

    Incidentally, once you understand the disease process, then you can also understand how both COVID-19 and the COVID jab can contribute to heart disease. When asked why he’s taken such an interest in heart disease, Kendrick replies:

    “When I was training as a student in medicine, Scotland had the highest rate of heart disease in the world. Early on the answer for why was, ‘Oh, well, it’s because we have such terrible diet, and we eat rubbish food like deep fried Mars bars.’

    So, you eat too much saturated fat, the saturated fat gets turned into cholesterol in your bloodstream, and then it’s absorbed into arteries and forms narrowings and thickenings, which all sounds plausible if you don’t think about it too hard.

    But I also happen to go to France quite a lot, and what I noticed about France was, they eat a lot of saturated fat. They eat more, in fact, than anyone else in Europe, and certainly more than Scotland. So, [this saturated fat] hypothesis certainly didn’t work for the French. They have the highest saturated fat intake in Europe and lowest rate of heart disease, and this has been the case for decades.

    If you took all the risk factors for France and Scotland [such as smoking, high blood pressure and diabetes], then the French had slightly [higher risk], according to conventional thinking. But, in fact, they had one-fifth [the rate among age-matched men].

    So, I thought, this is interesting. It doesn’t make much sense according to what we’re told. Then while I was in medical school, a tutor in cardiology said … LDL cannot cross the endothelium. At the time, I didn’t know what LDL was, nor did I know what the endothelium was, but it sounded important.

    She had been looking at heart disease as a different process for decades … So, I think that’s really where I got started. Once you start questioning what the problem is, you end up questioning more and more and you start thinking, gosh, this is just nonsense, isn’t it? This whole hypothesis is just nonsense. So, I started picking it apart.”

    The Thrombogenic Hypothesis

    “The Clot Thickens” is Kendrick’s effort to explain an alternative hypothesis for what actually causes heart disease. If it’s not saturated fat and cholesterol, what is it? In 1852, a Viennese researcher, Karl von Rokitansky, developed what he called the encrustation hypothesis of heart disease.

    Today, this hypothesis has been renamed the thrombogenic hypothesis. “Thrombo” stands for thrombosis, i.e., blood clots, and “genesis” means the cause of, or the start of. So, the thrombogenic hypothesis is that blood clots are the basic pathology that causes all heart disease.

    In a nutshell, when a blood clot forms on your artery wall, which can happen for a number of reasons, it will typically be covered over and dissolved. A problem arises, however, if the blood clot is not fully eliminated and another blood clot forms in the same “vulnerable” area. This then becomes what’s conventionally referred to as atherosclerotic plaque.

    “The atherosclerotic plaque is basically a buildup of blood clot, repair, blood clot, repair, blood clot, repair,” Kendrick explains. “If the blood clotting process is faster than the repair process, you have a plaque that gradually grows and eventually thickens the artery wall until it narrows sufficiently that the final blood clot, on top of the existing plaque, is the thing that can cause a heart attack or stroke …

    If you cut through the plaque and look at it, it almost looks like tree rings. You can see there’s been a clot, repair, clot, repair, clot, repair, clock, repair over the years.

    It’s widely accepted that a blood clot forming on an existing plaque will cause the plaque to grow in size. You can find 10,000 papers saying that this is the case. What the mainstream won’t accept is that a blood clot on a healthy artery wall can initiate the whole process.

    So, to an extent, all I’m saying to people is, well, we know blood clots cause the final event. We know blood clots cause plaques to grow. Why won’t you accept that blood clots are the thing that starts it in the first place? Because then we have one process all the way through, and it makes sense, because it fits with what you can see.”

    As noted by Kendrick, the conventional view is that low-density lipoprotein or LDL gets into the artery wall where it initiates plaque formation. It then, inexplicably, stops initiating plaque, and the plaque continues to grow through the addition of repeated clots.

    However, Kendrick says, once you start drilling down into the cholesterol, aka LDL hypothesis, the whole thing starts to fall apart. LDL simply cannot explain the disease progression. Yet despite the many holes in the theory, the idea that LDL causes heart disease is touted as an absolute, indisputable fact.

    What’s the Mechanism?

    In order to justify a hypothesis, you need to have a mechanism of action. Once you understand the mechanism of the actual disease process, then you can put the puzzle pieces together. Kendrick begins his explanation:

    “Your blood vessels are lined with endothelial cells, a bit like tiles on a wall. Endothelial cells are also covered themselves in a thing called glycocalyx. If you try to pick up a fish, it’ll slip through your fingers; it’s very slippery. The reason it’s slippery is because it’s covered in glycocalyx and the glycocalyx is incredibly slippery. It’s nature’s Teflon.

    So basically, in our case, the glycocalyx [is inside] our blood vessels, to allow the blood to travel through without it sticking, without damage occurring. So, you have this kind of damage-repellent layer on top of your endothelial cells.

    Now, if that layer is damaged, and then the endothelial cell itself underneath is damaged, then the body will say, ‘Oh, we’ve got damage to a blood vessel, we must have a blood clot there because we could bleed out.’ So, a blood clot forms on the area of damage, and immediately stops [the bleeding].”

    The blood clot doesn’t just keep on growing and growing. If it did, you’d die anytime you had a blood clot. Instead, when a clot forms, other processes step in to prevent it getting too big, which is why every blood clot doesn’t cause a stroke or heart attack. Once the clot has stabilized, and has been shaved down, the area is covered over by endothelial progenitor cells, made in the bone marrow, that float around in your blood stream.

    When a progenitor cell finds an area that has been damaged, it attaches itself to that area, along with others, forming a new endothelial layer. The remaining blood clot is now lying “within” the artery wall itself. So, basically, it’s the repair process that can lead to plaque buildup within the artery wall. In time, if damage outstrips repair, this can narrow the artery and reduce blood flow.

    What Damages Endothelial Cells?

    The question is, what can damage the endothelium in the first place? Here, Kendrick uses the SARS-CoV-2 mechanism as an example:

    “The COVID virus enters endothelial cells through the ACE2 receptor. It prefers endothelial cells because they’ve got ACE2 receptors on them. It gets into the endothelial cell and starts replicating, then bursts out, damaging the cell. Bingo, you’ve got an area of damage.

    Of course, added to this, when cells have viruses within them, they send out distress signals to the immune system saying, ‘I’ve been infected, come and kill me,’ and so the immune system starts to have a go at the endothelial cells. This is why you can get a problem, because the endothelial cells are being damaged and stripped off.

    Blood clotting occurs at the points of damage and hey, presto, you’re having clotting, you’re having strokes, you’re having heart attacks, which is the thing that people at first couldn’t understand [about COVID-19]. Yet it’s very clear that what’s happening is you’ve got damage to the endothelial cells.

    Obviously, you and I both know that if you get a [COVID jab], the cells are triggered to produce the spike protein, and these cells are sending out distress messages saying, ‘I’m infected.’ You have to be very careful if you want to stick something into cells that then says to the immune system, ‘Please come and destroy me,’ because that’s what the immune system is going to do.

    But moving on from that, what other thing can cause endothelial damage? The answer is things like smoking. Smoke particles get out of your lungs, they go into your blood vessels and they cause damage … You smoke one cigarette and a whole bunch of microparticles appear in your bloodstream, which means endothelial cells are dying.

    Luckily as endothelial cells die, another message is sent to the bone marrow saying, we need more endothelial cells and it stimulates endothelial progenitor cell production. These endothelial progenitor cells rush around covering over the areas of damage.

    Some smokers have enough repair going on and when you’re younger, it’s okay. As you get older and your repair systems begin to fail a bit, cigarette smoking becomes more and more of a problem.”

    Other things that can cause endothelial damage include:

    • High blood sugar levels and diabetes — The protective glycocalyx layer is made of proteins and sugars — High blood sugar damages the glycoprotein layer, thinning it down in a measurable way. High blood sugar can reduce the glycocalyx layer by as much as two-thirds. This, in turn, exposes the endothelial cells to the bloodstream and anything else damaging that might be there.

    The damage to the glycocalyx is why diabetics are prone to both arterial and capillary (small vessel) disease. You can’t get atherosclerosis in the capillaries, as there’s no room. Instead, the capillaries become broken down and destroyed. This in turn can cause ulcers, due to poor circulation in the skin of your legs and feet.

    Peripheral neuropathy occurs as the ends of nerve cells are deprived of oxygen. Also visual problems (diabetic retinal damage) and kidney damage. Blood pressure may also become elevated as your heart has to work harder to push blood through a network of damaged/missing small blood vessels.

    • Heavy metals such as aluminum and lead.

    • High blood pressure, as it puts stress on the endothelium — Atherosclerotic plaque (atherosclerosis) doesn’t occur unless the pressure is raised, adding biomechanical stress.

    Repairing the Glycocalyx

    As explained by Kendrick, the glycocalyx layer resembles a lawn, with slippery filaments that stick up. Within this glycocalyx layer you have nitric oxide synthase (NOS), which produces nitric oxide (NO), and you have NO itself, as well as a number of other anticoagulant proteins. The glycocalyx is actually a potent anticoagulant layer, so it stops blood clots forming. If glycocalyx is damaged, your risk of blood clotting increases.

    “It’s a very complicated layer,” Kendrick says. “It’s like a jungle full of things that say, ‘Don’t stick to this, stay away from this.’” Within it, you also have albumin, protein complex produced by the liver. Albumin contains the proteins that help maintain and repair the glycocalyx. A fact that most doctors are unaware of is that, if you have a low albumin level, you’re significantly more likely to die of heart disease.

    The good news is that while the glycocalyx layer can be rapidly destroyed, it can also be rapidly repaired. (Experiments have shown that in an area where the glycocalyx has been completely stripped off, it can be completely repaired in a single second.) Supplements like chondroitin sulfate and methylsulfonylmethane (MSM) can be helpful in this regard.

    “If you try and explain that through the LDL mechanism, it just doesn’t work,” Kendrick says. “They have discovered that if you give chondroitin sulfate as a supplement — which normally is for arthritis and stuff like that — it reduces the risk of heart disease quite considerably. How do you explain that? Well, you can explain that because you’re protecting your glycocalyx.

    These are the sort of things that make no sense if you like looking at the conventional ideas of heart disease, but are immediately and easily explained if you say, ‘We have to keep our glycocalyx healthy and we have to keep our endothelial cells underneath them healthy.’

    Otherwise they will be damaged and stripped off, and then we will get a blood clot, and if we keep getting blood clots at that point, we will end up with a plaque and eventually one of the blood clots on that plaque will kill you from a heart attack or a stroke.”

    Blood Flow Restriction Training

    A lifestyle strategy that can help repair endothelial damage is blood flow restriction (BFR) training. In response to BFR, your body produces vascular endothelial growth factor (VEGF), which acts as “fertilizer” for the endothelium. You can learn the ins and outs of BFR in my free BFR report. VEGF also induces the synthesis of nitric oxide (NO), a potent vasodilator, and it stimulates endothelial progenitor cells.

    “NO protects the endothelium. It is anticoagulant — the most potent anticoagulant we have in the body. It’s really the magic molecule for cardiovascular health,” Kendrick says.

    “At one time NO was known as Endothelial Derived Relaxation Factor (EDRF) NO was something no one believed could possibly exist in the human body. NO is actually a free radical. Everyone says free radicals are terribly damaging and unhealthy.

    To that I reply, ‘Well, you may wish to know that the chemical that is the single most important protective chemical in the body for the cardiovascular system is an incredibly free radical called nitric oxide.’”

    Some anticancer drugs are designed to block VEGF, as the tumor needs angiogenesis — which is the creation of new blood vessels that are required to provide sufficient “nutrients” Without these new blood vessels, the tumor dies off. Unfortunately, if you block VEGF, you also block NO, which then raises your risk for heart disease.

    “These drugs were almost removed from the market,” Kendrick says, “because despite their anticancer activity, they were procardiovascular disease to quite a scary degree.

    [That’s why], if you are given bevacizumab or Avastin as an anticancer drug, they now give you angiotensin converting enzyme inhibitors (ACE inhibitors), which are blood pressure lowering tablets, and ACE inhibitors have a specific impact on bradykinin, which increases NO synthesis.”

    Strategies to Lower Your Thrombotic Risk

    In his book, “The Clot Thickens: The Enduring Mystery of Heart Disease,” Kendrick reviews many different strategies that can lower your disease risk. Here’s a short-list of examples covered in far greater depth in the book, as well as some of my own recommendations that I bring up in the interview:

    Avoid unnecessary use of nonsteroidal anti-inflammatories (NSAIDs) such as ibuprofen and naproxen — While they effectively inhibit inflammation, they can cause platelet aggregation by blocking COX-2. In other words, they activate your blood clotting system, making blood clots more likely.

    Get plenty of sensible sun exposure — Sun exposure triggers NO that helps dilate your blood vessels, lowering your blood pressure. NO also protects your endothelium, and increases mitochondrial melatonin to improve cellular energy production.

    Avoid seed oils and processed foods — Seed oils are a primary source of the omega-6 fat called linoleic acid (LA), which I believe may be far more harmful than sugar. Excessive intake is associated with most all chronic diseases, including high blood pressure, obesity, insulin resistance and diabetes.

    LA gets embedded in your cell membranes, causing oxidative stress, and can remain there for up to seven years. Oxidative linoleic acid metabolites (OXLAMs) are what’s causing the primary damage, including endothelial damage.

    Lower your insulin and blood sugar levels — Simple strategies to accomplish this include, avoiding ultraprocessed foods and artificial sweeteners, significantly restricting your LA intake and getting regular exercise.

    Address chronic stress, which raises both blood sugar and blood pressure, promotes blood clotting and impairs your repair systems. Cortisol, a key stress hormone, reduces endothelial cell production.

    Quit smoking.
  • Golf fans can win Happy Gilmore putter at Topgolf this and next weekend

    Golf fans can win Happy Gilmore putter at Topgolf this and next weekend


    If you ever wanted to putt like Happy Gilmore… Topgolf has officially given you a chance to do so.

    To be clear here, Topgolf is not usually a place known for putting. You show up, blast as many balls as you can, eat some good food in the process and hang out with people in one of the best environments ever. This and next weekend though… putters will be on people’s minds.

    What am I talking about, exactly?You are well aware that Happy Gilmore 2 released on Netflix on Friday and as a result the world of golf is buzzing more than ever. To celebrate the film’s release the folks at Topgolf are indeed giving away one of the iconic putters that Happy uses in the films (there are multiple now!) both this and next weekend.

    Topgolf venues across the U.S. will become the ultimate Happy Gilmore 2 fan zone this summer as Players have the chance to win a new, limited-edition Odyssey Hockey Stick putter made by Odyssey – the very same putter used by Happy in the new movie –Sunday, July 27, and August 1-3.

    …

    During game play on July 27 and again the weekend of August 1–3, Players who dispense a golden ball will win the Happy Gilmore 2 limited-edition Odyssey Hockey Stick putter and a tube sock headcover on the spot. Venues will give away two putters total – one per weekend – making this a seriously exclusive prize. That’s just two Players per Topgolf venue that will be lucky enough to take home this epic piece of golf movie history!

    Crafted by Odyssey, the number one putter on every major Tour for over 25 years, the Hockey Stick putter was specifically for Happy Gilmore 2. The unique design is as bold as Happy’s backswing – and there are only a limited number that exist. Note: While Topgolf is our happy place, Happy Gilmore-style swings are not permitted. For official rules, please visit: www.Topgolf.com/GBterms.

    The putter in my own personal bag is an Odyssey so I am already a part of the family in that sense, but if I pulled a golden ball I would have a hard time not swapping mine (which I love) out for Happy’s. Imagine how cool it would be to win this thing.

    Best of luck to those of you who try to find the golden ball!

  • Beyond premiums: What really drives customer loyalty?  | Insurance Blog

    Beyond premiums: What really drives customer loyalty?  | Insurance Blog


    Personal lines insurance is very price-sensitive. As discussed previously, maintaining a 20+% expense ratio is not feasible for insurers. Beyond pricing, what truly fosters customer loyalty, and how can insurers compete to increase their market share? 

    In this blog, I explore strategies for enhancing customer loyalty and retention, provide forecasts on the evolving risk landscape for auto and home insurance, and discuss Accenture’s predictions for how personal lines insurance buying behaviors might shift over the next decade. 

    The changing landscape of personal lines risk

    Personal lines insurance has evolved from a specialty product to a digital commodity. Initially traded manually, it has now become a globally traded digital product. With around 4 billion vehicles and homes worldwide, personal lines insurance is both a global commodity and a constantly evolving risk. 

    The risk landscape varies significantly between auto and home insurance. Auto insurance covers a homogenous risk profile with approximately 600 common vehicle models globally. The rise of electric and autonomous vehicles is reshaping road regulations and vehicle repair processes and introduces new risks requiring product liability and cyber coverages. 

    Conversely, home insurance covers a heterogeneous risk profile with countless types of homes and building standards. The underlying home risk is significantly impacted by extreme weather that affects both frequency and severity of the damages. It’s fair to predict that extreme weather will not only impact ratings, but also building codes which would provide additional variables to price on. 

    While home and auto insurance represent key areas for personal lines insurance, consumers are also coping with the impacts of large-scale disruption – a volatile economic environment, residual impacts of the COVID-19 pandemic and the ongoing technology revolution have all shifted global dynamics significantly. Today, a consumer’s felt need for insurance is high, and the areas of risk that have them most concerned are shifting. We found that the rising cost of living and climate change were two top areas where consumers felt concerned about the risks but also least protected. 

    Generational shifts in insurance buying

    The core consumers of insurance are changing. Millennials, the first generation of digital natives, are entering their peak insurance buying years. Insurers must cater to this demographic’s unique needs. Across all demographics, there is a demand for more, better, and faster services. Consumers want their unique needs met quickly and easily and are willing to share their data in exchange for a tangible better experience and product. 

    Strategic areas for enhancing value proposition

    1. Brand identity in customer interactions: Ensure that the brand identity is palpable in every customer interaction, creating a consistent and recognizable brand experience across all touchpoints. 
    2. AI-augmented employees: Instead of focusing on implementing AI solutions, focus on augmenting employees with AI to provide more personalized and empathetic interactions, ensuring customers feel deeply understood. This is a fine, but critical nuance.  
    3. Compelling digital experiences: Craft digital experiences that foster emotional connections. For instance, in travel insurance, offering dynamic updates on extreme weather, top tourist attractions, and local health advisories can significantly enhance customer engagement. Traditional risk mitigation notifications do not foster emotional connections with the customer.  
    4. Real benefits for digital adoption: Ensure customers recognize tangible benefits from adopting digital channels, such as significantly faster resolution times and personalized digital interactions, making the digital shift worthwhile. 

    Creating compelling digital experiences for customers is key for enhancing customer loyalty. Recently, we worked with an insurer to address low engagement between agents and customers, insufficient customer information, and a lack of visibility for managing leads. The insurer and Accenture deployed an AI-enabled app to their customers; the app was incredibly intuitive and built using a scalable design for market adoption across Asia. The solution offered automated customer relationship management, marketing content recommendations, next-best-action recommendations, customer insights, 360 degrees customer insights, and agent performance management.

    The results? 424% premium growth and 671% pipeline generated, proving that compelling digital experiences are worth their weight in gold. 

    Shifts in consumer buying channels

    Traditional methods of purchasing insurance through brokers and agents are expected to decline in favor of direct sales and embedded insurance models. Munich RE have said that embedded insurance is projected to grow at a CAGR of 25% until 2030, potentially accounting for over US$ 500 billion in gross written premiums globally by 2030 for P&C lines. 

    Consumers show increasing interest in embedded insurance offers, where relevant risk protection is integrated into their purchase. For example, the share of consumers likely to buy auto insurance from a car dealer has increased from 32% to 42% since 2018. Consumers also want solutions beyond traditional home and auto insurance bundling, such as complete house buying services and home monitoring services. 

    Focus areas for insurers

    1. Performance and efficiency: Develop the best features and products. 
    2. Experience and convenience: Delight customers with exceptional service. 
    3. Solving, not selling: Play a relevant role in customers’ lives while creating value for all. 

    As the insurance landscape evolves, we must continue to harness the power of AI to turn challenges into opportunities. By empowering businesses with AI-driven solutions, we don’t just create tools – we transform possibilities into measurable success. In this journey of innovation, we redefine what’s possible, ensuring that the future of insurance isn’t just anticipated – it’s actively shaped. 

  • The Hidden Risk of High Yield Bonds

    The Hidden Risk of High Yield Bonds


    TruCap default reveals risks of high yield bonds in India. Know why blindly trusting online bond platforms for high returns can cost investors.

    Recently, many retail investors were shocked when TruCap Finance, a non-banking finance company (NBFC), defaulted on its bond payments. According to Mint, the company failed to pay interest and principal due on some listed non-convertible debentures (NCDs). Many common investors are now stuck, not knowing when or if they will get their money back.

    But this is not just about TruCap. This is about a dangerous trend — chasing high yields on bonds without understanding the risks, often lured by flashy online bond platforms that showcase tempting returns.

    Let’s break this down in simple language.

    TruCap Bond Default: The Hidden Risk of High Yield Bonds

    The Hidden Risk of High Yield Bonds

    How Online Bond Platforms Lure Retail Investors

    Today, investing in bonds is just a click away. Many new-age platforms advertise bonds with 8%, 10%, or even 12% annual returns — far higher than your bank fixed deposit (FD) rates of 6-7%. They highlight these high coupon rates in bold letters. For many retail investors, especially those who want “safe” investments, this looks very attractive.

    But here’s the catch: higher return always comes with higher risk. Many investors don’t realise that bonds are basically loans you give to a company — and if that company is financially weak, it might not pay you back.

    Just because these platforms are SEBI registered does not mean the bonds offered from such platforms are safe. They are just the platform providers, and for that, they are registered with SEBI, but not to provide you the best possible guaranteed returns.

    A few days ago, I created a YouTube short after I noticed many people were asking me about such platforms. You can refer to it here.

    What Went Wrong with TruCap?

    TruCap Finance Ltd is an NBFC that lends money to small businesses and offers gold loans. To raise funds for its lending business, TruCap issued non-convertible debentures (NCDs) — basically bonds — to the public.

    • Coupon (interest rate): 13% to 13.5% — very attractive when compared to normal FD rates of 6–7%.
    • Credit rating: Initially BBB, which is just investment grade.
    • Who sold these bonds? Online bond platforms like BondsIndia, GoldenPi, Grip, and Northern Arc (Altifi) offered them to retail investors.

    Many investors thought: “Better than an FD, safe enough, great returns!”

    But the reality turned out to be very different.

    What went wrong?

    In simple words:

    1. TruCap had weak financial health.
    2. It promised high returns (13%+) to attract investors.
    3. When bad loans rose, its credit rating fell.
    4. By bond rules, a sharp downgrade forced early repayments — which the company didn’t have money for.
    5. The Marwadi group’s promised rescue funds were delayed.
    6. Result: Default.

    How much money stuck?

    • Investors put money in different bond series, like ISIN INE615R07042, INE615R07091, etc.
    • Amounts range from Rs.2 crore to over Rs.23 crore.
    • Interest unpaid is lakhs per bond series.
    • The total stuck is about Rs.55 crore.

    This means common investors — retirees, salaried people, even small HNIs — are now helplessly waiting for some resolution.

    Why Did So Many Investors Get Trapped?

    The biggest reason: High returns looked too good to resist.

    Online bond platforms show these bonds as if they are better versions of FDs — “Earn 13% safely!”

    But they often do not explain enough about:

    • The credit rating’s true meaning.
    • The company’s financial stress.
    • What happens if the company defaults — unlike an FD, there is no insurance.

    Many investors do not read the fine print — they trust big words like “listed”, “trustee”, “secured”, or “NBFC”. They assume these make it safe. But remember — the company still has to earn money to pay you.

    Why Chasing Yield Blindly is Risky

    Many investors think “higher interest is always better”. But they forget that in bonds, return is directly linked to risk.

    Here’s why:

    1. No guarantee like FDs: Bonds issued by companies do not have deposit insurance. If the company fails, your money is stuck.
    2. Low-rated companies pay more: Safer companies like RBI, Government of India, or top-rated PSUs raise money at lower rates (6-7%) because lenders trust them. Riskier companies pay higher interest to attract buyers.
    3. Defaults are real: Defaults are not rare. DHFL, IL&FS, Yes Bank AT1 bonds, SREI Infrastructure, Reliance Home Finance — the list of defaults or near-defaults is long. Each time, thousands of retail investors got trapped chasing high returns.
    4. Liquidity is tricky: Unlike stocks, selling bonds mid-way is not always easy. Many corporate bonds have very low trading volumes. So if you want to exit early, finding a buyer can be hard.
    5. Hidden risks: Many investors do not read the credit rating or the company’s financials. They just see the yield. Even credit ratings can fail — IL&FS was rated AAA before its massive default! NEVER TRUST A CURRENT HIGH RATING WILL REMAIN THE SAME FOREVER YOUR INVESTMENT PERIOD.

    How Online Platforms Add to the Problem

    Many online platforms present bonds like an “FD with better returns”. They showcase the coupon rate boldly, but the risk factors are often hidden in footnotes.

    Some don’t explain:

    • Who the issuer is
    • How strong its balance sheet is
    • What the bond’s credit rating means
    • Whether the bond is secured or unsecured
    • Whether there’s collateral backing the debt

    Some platforms even promote low-rated or unrated bonds aggressively because they get higher commissions from issuers.

    This makes the retail investor think they are buying something “safe” — when in reality, they are lending money to companies that even big banks might avoid!

    Valid Sources That Warn the Same

    SEBI, India’s market regulator, has repeatedly cautioned retail investors about blindly investing in debt instruments. For example, in its investor education initiatives, SEBI explains that corporate bonds, especially those with lower credit ratings, can carry significant credit risk.

    RBI, too, through its financial literacy programs, reminds people that corporate bonds are not risk-free like government securities.

    AMFI (Association of Mutual Funds in India) also says that retail investors who want debt exposure should ideally stick to well-diversified debt mutual funds or government bonds instead of putting large sums in a single company’s bond.

    How to Be a Smart Bond Investor

    1. Understand credit ratings: AAA means highest safety (like SBI or Indian Railways bonds). Anything below AA needs careful study. B or C means high risk. Assume that the current rating is AA; then it does not mean that the rating will remain the same throughout your investment period. If there are any changes in the financial status of the issuing company, then the same rating agencies either may downgrade or upgrade the rating.

    2. Check the issuer: Is the company fundamentally strong? Does it have profits? How is its past repayment record?

    3. Diversify: Never put all your money into one bond. Spread your debt investments across multiple bonds or choose mutual funds that do it for you. If you are in the accumulation phase, then debt mutual funds are far better than exposing yourself to a few bonds and creating a huge concentrated risk.

    4. Check if secured: Secured bonds have collateral — unsecured ones don’t. If things go wrong, secured bond investors have some claim on company assets.

    5. Stay within your risk appetite: If you can’t handle delays or defaults, stick to Government of India bonds, RBI bonds, or top-rated PSU bonds.

    6. Don’t trust only platforms: Platforms are intermediaries. They may not take responsibility if the company defaults.

    Final Words: If it looks too good to be true, it probably is

    Bond investing is not the same as keeping money in an FD. The TruCap incident is a reminder that yield chasing can backfire badly.

    Always remember: “Higher risk, higher return” is not just a saying — it’s reality. And when the risk materialises, the losses can hurt.

    So, next time an online bond ad flashes “12% secure bond”, take a step back. Ask: “Why is this company paying me double the bank rate? Is it worth the risk?”

    If you can’t answer these questions, talk to a trusted fee-only financial advisor. Or stick to safe options.

    Stay informed, stay safe

    Bonds are powerful tools, but they need caution and understanding. Don’t be blinded by big numbers. Be wise, read the fine print, and invest smartly.

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

  • 187: Food Freedom & Clarity with Carnivore Coach Mark Ennis

    187: Food Freedom & Clarity with Carnivore Coach Mark Ennis


    Hi friends! I have a brand new episode live and I’m so excited to chat with Mark Ennis all about healing your relationship with food, overcoming sugar addiction, and finding clarity through the carnivore lifestyle.

    Here’s what we discuss:

    – How Mark discovered the carnivore diet and why it transformed his physical and mental health

    – The role of routine, mindset, and accountability in achieving long-term health goals

    – Common nutrition myths and how women’s dietary needs are often misunderstood

    – The connection between food, mental clarity, and emotional resilience

    Plus practical tips, encouragement for experimenting with what works for your body, and so much more!

    187: Food Freedom & Clarity with Carnivore Coach Mark Ennis

     

    Watch the interview on YouTube here.

    About Mark Ennis:
    Mark Ennis is a health coach from Ireland specializing in helping individuals achieve a longer, healthier life through the power of a carnivore and keto lifestyle. After struggling with both anorexia and obesity, Mark discovered the life-changing benefits of this approach and now dedicates himself to guiding others on their journey to health and happiness. Passionate about making a lasting impact, he empowers clients to overcome challenges, achieve their goals, and live their best lives. Mark’s mission is to inspire positive change and share the knowledge that transformed his own life.

    Check out his Instagram here and his Facebook here.

    Partners:

    Check out We Feed Raw! Maisey goes crazy for this! I use it as a topper for her kibble or mix it into her pup loaf. You can try the raw version, the raw dehydrated kibble, and they’ll help you customize a plan for your pup. Use FITNESSISTA30 for 30% off your Meal Plan Starter Box here!

    The Lifewave X39 patches have been a gamechanger for my energy; the Pilot is obsessed, too! Check them out here. 

    Check out my new favorite red light device here, and use the code FITNESSISTA for a huge discount.

    I’ve been using Nutrisense on and off for a couple of years now. I love being able to see how my blood sugar responds to my diet and habits, and run experiments. You can try out Nutrisense here and use GINA50 for $50 off.

    If any of my fellow health professional friends are looking for another way to help their clients, I highly recommend IHP. You can also use this information to heal yourself and then go one to heal others, which I think is a beautiful mission. You can absolutely join if you don’t currently work in the health or fitness industry; many IHPs don’t begin on this path. They’re friends who are passionate to learn more about health and wellness, and want to share this information with those they love. You can do this as a passion, or start an entirely new career.

    You can use my referral link here and the code FITNESSISTA for up to $250 off the Integrative Health Practitioner program. I highly recommend it! You can check out my review IHP Level 1 here and my review of Level 2 here.

    Thank you so much for listening and for all of your support with the podcast! Please be sure to subscribe, and leave a rating or review if you enjoyed this episode. If you leave a rating, head to this page and you’ll get a little “thank you” gift from me to you.



  • UGC is Reshaping B2B Buyer Behavior

    UGC is Reshaping B2B Buyer Behavior


    Let’s be honest: B2B marketing is facing a trust crisis. Our ebooks and webinars are now met with skepticism. Buyers are drowning in a sea of AI-generated noise and unsupported claims. 

    (more…)