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  • Amid Trump cuts, this scientist lost a  million NIH grant. Then he got it back : NPR

    Amid Trump cuts, this scientist lost a $53 million NIH grant. Then he got it back : NPR


    The Trump administration terminated a $53 million NIH grant to study how impaired blood flow in the brain can lead to dementia. The lead scientist fought the decision, and got the money back.



    MARY LOUISE KELLY, HOST:

    The Trump administration has terminated hundreds of scientific research grants, but in a few cases, it has restored the funding. NPR’s Jon Hamilton reports on how one scientist lost and then regained a $53 million grant to study a leading form of dementia.

    JON HAMILTON, BYLINE: It’s called vascular dementia, and it can occur when a stroke or other condition impairs blood flow in the brain. It’s the most common form of dementia after Alzheimer’s, so in 2020, the National Institutes of Health announced funding for a six-year study to understand how damage to blood vessels can affect memory and thinking.

    CHARLES DECARLI: It is the only study that has been funded to do that.

    HAMILTON: Dr. Charles DeCarli is the principal investigator and a neurologist at the University of California, Davis. He says the plan was to enroll more than 2,000 Black, white and Latino people 65 and older who had noticed a decline in their memory or thinking. The team would use MRI scans and blood tests to see if they could predict who would go on to develop vascular dementia. By March of this year, the study was about two-thirds done. Then, DeCarli got a call from the NIH.

    DECARLI: My program officer called me. And she had been told on a Friday, and she called me on a Monday to say that it had been terminated.

    HAMILTON: The official notice would come later.

    DECARLI: It took a couple days for us to actually get the letter because they sent it to the wrong person (laughter).

    HAMILTON: The letter read like others being sent to NIH-funded scientists around the country. It criticized research programs that study diverse populations and said that the grant in question did not align with NIH priorities. DeCarli was puzzled. The NIH had insisted that the study include populations at high risk, and Black and Hispanic individuals are at least 1.5 times more likely to develop dementia. What’s more, DeCarli says, the study was fulfilling a congressional mandate to improve diagnosis and treatment of dementia.

    DECARLI: The grounds of the termination notice were irrelevant to my study, and the lawyer’s advice that I got agreed with that. And so we had more – if you would call it – leverage.

    HAMILTON: DeCarli and a team of academic scientists and lawyers spent three weeks preparing an appeal, and it worked. The NIH restored the funding. DeCarli recounted the experience at a meeting hosted by the McKnight Brain Research Foundation. Without the restored funding, the team would have been unable to continue tracking study participants, and DeCarli says that would have made it nearly impossible to determine who was most at risk.

    DECARLI: But the ability to predict because we needed follow-up, that opportunity would likely have been lost.

    HAMILTON: And millions of dollars would have been wasted.

    Jon Hamilton, NPR News.

    (SOUNDBITE OF MUSIC)

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  • Inside the 5M Cargo Theft Surge – 4 Ways to Protect Your Fleet

    Inside the $455M Cargo Theft Surge – 4 Ways to Protect Your Fleet


    This post is part of a series sponsored by IAT Insurance Group.

    Cargo theft reached an all-time high in 2024 – up 26% from 2023, with total reported losses of $455 million. The average estimated value per theft rose 7.7% to $202,364.

    Increasingly, these thefts result from a growing tactic known as strategic cargo theft – a method in which criminals use stolen identities of motor carriers and logistics brokers to misdirect and steal freight. This theft has surged nationwide, particularly in hotspots like California, Georgia, Illinois, Tennessee, and Texas, with incidents rising by a staggering 430% year over year.

    CNBC conducted a six-month investigation into the crime, uncovering how increasingly sophisticated cargo theft rings are targeting America’s supply chain to steal entire truckloads carrying consumer goods, food, beverages, and electronics with near impunity. Fleet owners and operators should take proactive measures to safeguard cargo before a loss and be prepared to act quickly if a theft occurs.

    Top Tactics for Strategic Cargo Theft

    Diligence is essential to protect cargo from increasingly sophisticated heists, which can manifest in different ways – from phishing and online scams to full-blown identity theft. Understanding common cargo theft tactics will help drivers, carriers, and shippers implement effective risk management strategies to reduce the likelihood of loss.

    One common tactic involves perpetrators impersonating a freight broker or carrier to secure a shipment from a customer. They then arrange for an unsuspecting driver or carrier to transport and deliver the freight. The thieves often use industry-specific jargon, instruct drivers not to disclose delivery details to the shipper, and may even tender cash upon delivery to add a layer of legitimacy.

    Once the legitimate carrier has picked up the load, the thieves attempt to redirect it to a warehouse for quick transloading and product movement. When the shipment fails to arrive at its destination, the customer investigates only to discover they might have contracted with a fraudulent broker or carrier. The innocent driver, who unknowingly followed false instructions, is often left bearing the blame and gets penalized.

    In other cases, thieves will create a fake brokerage to secure load contracts, then hire a third-party carrier to transport the shipment. After receiving payment from the customer, they disappear, leaving the actual carrier unpaid.

    Additional forms of strategic cargo theft include double brokering and consignee impersonation. In double brokering, a broker contracts a legitimate carrier to transport freight but secretly rebrokers the load to another party without the shipper’s consent, keeping the payment and leaving the actual carrier uncompensated. In consignee impersonation, scammers use phishing and cyberattacks to alter recipient details and intercept shipments in transit.

    Effective Strategies for Strategic Cargo Theft Prevention

    Shielding your digital data from malicious actors is imperative to prevent cargo theft. Here are four best practices to help reduce your risk:

    1. Safeguard and Verify your Information

    Leverage your own experiences and insights from colleagues and professional networks as proactive defenses against cargo scams. For example, if an unfamiliar person claims to represent one of your shippers, brokers, or carriers, verify their identity with a trusted contact before moving forward.

    Pay close attention to details like email addresses, phone numbers, physical addresses, logos, and names. Even minor discrepancies can signal a scam – and lead to substantial losses.

    As a shipper or receiver, it’s essential to track every incoming and outgoing truck. Document the motor carrier number, driver’s license, bill of lading, carrier name, and more. Whenever possible, use video surveillance or take photos to maintain records.

    While this level of scrutiny requires effort, it significantly deters bad actors targeting your valuable cargo.

    2. Screen New Partnerships

    Like with personal relationships, ongoing security relies on working with trusted partners. Longstanding relationships with vetted carriers and brokers ensure that your interests are understood and prioritized.

    When evaluating new partners, perform thorough due diligence. Use references, professional networks, and tools like the Federal Motor Carrier Safety Administration (FMCSA) and Carrier411 to vet providers and protect your operation.

    3. Maintain a Healthy Level of Skepticism

    Stay cautious when reviewing offers from carriers, brokers, or shippers. If something seems too good to be true, it probably is.

    While pricing can vary, trucking costs – like fuel, vehicle maintenance, and driver pay – are generally stable. Be skeptical of unusually low rates or overly generous pay, and investigate the reasoning behind such offers before committing.

    4. Ensure Information Security Protocols are in Place

    Although fundamental, these cybersecurity best practices remain essential in the fight against modern scams, including cargo theft:

    • Keep passwords confidential. Share them only with trusted individuals, update them regularly, and close unused accounts.
    • Avoid clicking on links from unknown sources. Encourage employees to hover over hyperlinks and check the browser status bar before clicking.
    • Do not respond to unsolicited emails, especially those impersonating legitimate companies.

    Traditional Cargo Theft Trends and Best Practices

    While strategic cargo theft has surged in recent years, traditional cargo theft remains prevalent. In 2024, 46% of all cargo theft occurred in California, Texas, and Illinois. The most targeted locations were warehouse/distribution centers and truck stops, with top commodities including food, beverages, and consumer household goods.

    Best practices for drivers and carriers to reduce the risk include:

    • Include cargo security in your pre-trip inspection.
    • Be strategic with parking: back trailers against buildings, fences, or other trailers; park in well-lit, high-traffic areas; and look for surveillance cameras.
    • Do not discuss your load or route with anyone who doesn’t need to know.
    • If you suspect you’re being followed, slow down and let the vehicle pass. If that fails, exit at a safe location. Contact law enforcement if suspicion remains.
    • Try to drive several hours after pick-up before making any stops, reducing the chance of being targeted.
    • Use theft-deterrent devices to secure and track your freight.
    • If the vehicle must be left unattended, lock it, take the keys, and return quickly.
    • Upon return, scan the area for suspicious people or vehicles and adjust accordingly.
    • Follow all company policies and procedures related to cargo security.

    Should a theft occur, promptly file a report with law enforcement, notify all relevant stakeholders, and collaborate with your broker or insurer to initiate the claims process. By following these protocols, you can effectively address and mitigate the impacts of cargo theft.

    IAT Insurance Vendor Partnerships to Prevent Cargo Theft

    IAT Insurance has added two new partners to its Loss Control vendor list, offering cargo theft prevention products at preferred pricing for IAT policyholders:

    • Enforcer Locks: Offering a range of heavy-duty security products, including padlocks, trailer door bar locks, air cuff locks, and trailer kingpin locks.
    • 7P Solutions: Specializing in covert GPS cargo tracking and trailer geo-fencing technology.

    For more information, please contact the IAT Insurance Loss Control department.


    ASK A LOSS CONTROL REPRESENTATIVE
    Have a question on how to mitigate risk? Email [email protected]

    INTERESTED IN LEARNING MORE?
    IAT Loss Control Specialist Jared Fritts and SVP of Commercial Truck Pete Matthews talk more about strategic cargo theft on IAT’s podcast, What’s Brewing. Tune in here.


    By Jared Fritts

    Topics
    Fraud
    Trucking

  • How It Differs From Regular Store? – GrowthRapidly

    How It Differs From Regular Store? – GrowthRapidly


    How It Differs From Regular Store? – GrowthRapidly


    January 29, 2023
    Posted By: growth-rapidly
    Tag:
    Personal Finance

    Walmart Neighborhood Market is a smaller grocery store format owned by Walmart, offering fresh produce, meat and dairy, bakery, deli, and pharmacy services, among other items. Walmart launched its Neighborhood Market store format in 1998.

    Walmart is a multinational retail corporation that operates a chain of discount department stores, grocery stores, and more. It was founded in 1962 and is headquartered in Bentonville, Arkansas, United States. Walmart is one of the largest retailers in the world and offers a wide range of products including groceries, clothing, electronics, home goods, and more at affordable prices.

    As of 2023, Walmart has over 11,000 stores worldwide, with over 5,000 in the United States alone. And there are over 550 Walmart Neighborhood Market stores in the United States.

    Walmart Neighborhood Market stores typically provide the following services:

    • Grocery items including fresh produce, meat, dairy, bakery, and deli products.
    • Pharmacy services with prescription filling and related health services.
    • Select household essentials such as health and beauty products, cleaning supplies, and pet supplies.
    • Financial services including money transfers, bill payments, and tax preparation services.
    • Online grocery delivery and pickup options.
    • Optical services such as eye exams and eyeglass fittings.

    The difference between Walmart Neighborhood Market and Regular Walmart Stores

    Walmart Neighborhood Market stores are smaller in size compared to regular Walmart stores and primarily focus on grocery items, pharmacy and select household essentials, while regular Walmart stores offer a wider range of products including electronics, clothing, and home goods in addition to groceries.

    In conclusion, the purpose of Walmart Neighborhood Market stores is to provide a convenient, smaller-format grocery shopping option for customers in local neighborhoods. They offer a selection of grocery items, pharmacy services, and select household essentials, aimed at making it easier for customers to get what they need quickly and efficiently. The focus on grocery items and essentials is meant to meet the needs of customers who live in urban or densely populated areas where a full-size Walmart store may not be feasible.

    Work With the Right Financial Advisor

    You can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

  • We Made the List (Twice!): FBG Named Among Best Fitness Blogs and Women’s Fitness Podcasts of 2025

    We Made the List (Twice!): FBG Named Among Best Fitness Blogs and Women’s Fitness Podcasts of 2025


    Cue the confetti, grab your favorite beverage, and join us in a happy dance because …

    Fit Bottomed Girls was just named one of FeedSpot’s Best Fitness Blogs & Websites AND Best Women’s Fitness Podcasts of 2025!

    Yes, both. 🏆🏆

    As one of the longest-running women’s health platforms in the game, this recognition means the world to us—not just because we made the list, but because it affirms the mission we’ve been championing since day one: changing the conversation around fitness, health, and wellness for women.

    In a world overflowing with clickbait health advice, bogus and unregulated supplement claims, detox scams, and wellness influencers who suggest sticking coffee up your butt to cure all that ails you, we’re over here doing something a little different …

    Serving up real, science-backed, bullshit-free conversations about fitness, health, and strength for women—without the shame, skinny obsession, or six-pack mandates.

    So to see this work recognized? After 17 years of publishing, podcasting, myth-busting, lifting women up (sometimes literally)?

    It’s such a flippin’ honor.

    Meet the Voices Behind the Magic

    This recognition isn’t just a win for the brand—it’s a celebration of the fierce, funny, and wise women who help me bring content to you every week.

    • Alex helps you reach your goals without burnout and has a gift for turning nervous system work into feel-good self-leadership.
    • Naomi is your go-to for feminist fire and anti-diet-culture mic drops, all grounded in science and lived experience.
    • Karin brings warmth, nuance, accessibility, and evidence-based wisdom to everything she touches.
    • Marlene offers grounded, compassionate, and refreshingly real-life takes on nourishment and motherhood.
    • Krysty empowers by sharing her journey to radical self-acceptance through sobriety and bucking wellness industry BS.

    Together, they make FBG what it is: a soft place to land and a strong push forward.

    As Editor-in Chief of this talented crew of expert coaches, teachers, writers, and athletes, I could not be more stoked with the professionalism, creativity, and care that I see from this group every single day.

    Why This Matters Right Now

    This recognition of both the blog and podcast isn’t just about bragging rights (though we’ll totally take them). It’s about credibility in a landscape that’s gotten louder, scarier, and more misinformed by the day.

    Let’s be real—there’s no shortage of health and wellness content out there these days. But not all of it is good. In fact, a lot of what’s out there is confusing at best and downright dangerous at worst—especially for women and menstruating individuals navigating aging, hormones, fitness, and body image in a culture that still profits from our insecurities and self-doubt.

    That’s why this moment matters.

    At a time when clickbait headlines, diet scams, and viral “wellness hacks” dominate the algorithm, being recognized for our evidence-based, empowering, and inclusive content is a reminder that truth-telling still matters. And that’s exactly what we’ve always been about.

    Women and menstruating individuals deserve better than:

    • Lies that leverage their poor self-esteem to make money
    • Fear-mongering over perfectly normal anatomical responses like hormone fluctuations
    • More “shoulds” to add to their already-overflowing to-do lists with no support
    • Shame-inducing content that blames them for “making excuses” instead of recognizing the weight of their emotional labor

    They deserve smart content. Grounded science. Permission to listen to their bodies. And a place to belong while doing it.

    That’s what we’ve been doing since 2008—and we’re just getting warmed up.

    A Huge Thank You to Our Readers (Yes, You)

    This recognition isn’t just about us—it’s about you, our readers.

    You’re the ones who show up for thoughtful, science-backed content. Who care about training for strength, not just shrinking. Who want to feel good in your body and challenge the status quo. You’re the reason we keep doing what we do—and why we’ve been able to do it for nearly two decades.

    We also want to give a huge shoutout to our brilliant, badass coaches, athletes, researchers, and real women who bring lived experience, deep knowledge, and refreshing honesty to every piece we publish.

    Be Part of What’s Next

    Whether you’re a long-time reader, a new listener, or someone who just stumbled in looking for squat advice and stayed for the “holy sh*t, this feels like me” content—thank you. We’re so glad you’re here.

    We’re honored to be on these lists, but even more honored to be on your reading list, in your earbuds, and in your corner.

    We’ve got even more truth-telling, myth-busting, no-BS content coming your way—plus new interviews, training advice, deep dives into women’s health, and real talk about what it means to actually feel good in your body.

    Want to keep the good stuff coming? Sign up for our newsletter so you never miss what’s next. More real talk, more resistance, more joy—and zero nonsense.

    Thank you for being part of this wild, wonderful ride. Here’s to the next chapter of Fit Bottomed Girls. —Alison

  • Your Business Needs Better Images. This AI Editor Delivers.

    Your Business Needs Better Images. This AI Editor Delivers.


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

    If you run a business today—whether it’s a side hustle, full-time e-commerce store, digital agency, or content-driven brand—you already know that visuals matter. Clean product shots, sharp graphics, and distraction-free images can be the difference between someone clicking “buy now” or bouncing in two seconds.

    But most small teams (or solo founders) don’t have time to master Photoshop—or the budget to hire a designer for every task. That’s why PicWish is such a helpful option. For just $59.99 (reg. $95.95), you get 5,000 one-time credits to use across a powerful, AI-driven photo editing suite.

    And these aren’t just filters and presets. We’re talking automatic background removal, image upscaling, watermark/object erasing, photo enhancement, AI art and face swapping, and even batch processing for bulk uploads. No learning curve, no subscriptions, and no waiting on a design team to turn around basic edits.

    Designed for business owners

    PicWish is ideal for online sellers, social media managers, marketers, and freelancers who need fast, clean visuals to stay competitive. If you’re listing dozens of SKUs, creating branded content, or just need better images for presentations or promos, PicWish will pay for itself in days.

    It works in your browser or as an app, supports high-res output, and includes niche tools like image-to-text conversion, ID photo formatting, and AI background generation—useful across industries, from real estate and retail to education and events.

    Plus, the 5,000 credits are a one-time purchase and stackable, so you can build a reserve and never worry about running out in the middle of a project. There are no recurring fees, no contracts, and no watermarking gimmicks—just clean results and smart tools, ready when you are.

    Get 5,000 PicWish AI Photo Editor credits for just $59.99 (reg. $95.95)— and don’t forget to stack them so you have plenty to last you a while.

    PicWish AI Photo Editor: 5,000 One-Time Credits

    See Deal

    StackSocial prices subject to change.

    If you run a business today—whether it’s a side hustle, full-time e-commerce store, digital agency, or content-driven brand—you already know that visuals matter. Clean product shots, sharp graphics, and distraction-free images can be the difference between someone clicking “buy now” or bouncing in two seconds.

    But most small teams (or solo founders) don’t have time to master Photoshop—or the budget to hire a designer for every task. That’s why PicWish is such a helpful option. For just $59.99 (reg. $95.95), you get 5,000 one-time credits to use across a powerful, AI-driven photo editing suite.

    And these aren’t just filters and presets. We’re talking automatic background removal, image upscaling, watermark/object erasing, photo enhancement, AI art and face swapping, and even batch processing for bulk uploads. No learning curve, no subscriptions, and no waiting on a design team to turn around basic edits.

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

  • Tyrese Haliburton’s clutch numbers in NBA Playoffs put Kobe Bryant and other legends to shame

    Tyrese Haliburton’s clutch numbers in NBA Playoffs put Kobe Bryant and other legends to shame


    The Indiana Pacers are never beating the ‘team of destiny’ allegations. The Pacers have been living on the edge throughout their charmed run in the 2025 NBA Playoffs, and their magic is still going strong in the NBA Finals against the best team in basketball.

    The Pacers shocked the Thunder, 111-110, in Game 1 with another miraculous win in the final seconds. Indiana’s historic comebacks have all followed a similar pattern: the Pacers get down big, claw back with some hot shooting to close the deficit, and then Tyrese Haliburton takes them home. It happened again in Game 1 with another mind-blowing Haliburton dagger to win it. At this point, he’s leaving NBA legends in the dust with his run of clutch play.

    The Pacers didn’t take their first lead in Game 1 until Haliburton’s shot swished through the net with 0.3 seconds left on the clock. Just getting the game to one possession took some witchcraft: Indiana trailed by 15 with under 10 minutes remaining in the fourth quarter, and they were down five points with 90 seconds left. The Pacers needed to make of their clutch threes, and they did. The Pacers needed the Thunder to miss some makable shots, and that happened too. They also needed Haliburton to continue his unbelievable playoff run with another game-winner to put them over the top, and of course he delivered.

    Haliburton has hit a game-winner in every series so far. Somehow, they keep getting more ridiculous.

    Haliburton closed out the Milwaukee Bucks in the first-round with driving scoop shot around Giannis Antetokounmpo. He stunned the Cleveland Cavaliers in Game 2 of the second round by missing a free throw down two, collecting the rebound, and ripping a step-back three for the win. His amazing game-tying shot in Game 1 against the Knicks in the Eastern Conference Finals, complete with a Reggie Miller tribute, completed another wild another comeback to force overtime before Indiana pulled away victorious. He already has another dagger in the NBA Finals after only one game.

    Haliburton has more clutch shots in the final five seconds of playoffs games on this run than Kobe Bryant did his entire career.

    The Pacers keep cheating death in these playoffs, and Haliburton is their Houdini. Just to win one game with a wild comeback and a buzzer-beater on a playoff run will be remembered forever.

    To do it four times in the same postseason? That’s the type of stuff that gets sportswriters like me making hokey ‘team of destiny’ references. How else can you explain this?

    There’s some temptation to say we should have seen this coming. Haliburton was hitting clutch shots all throughout the regular season. I’m partial to his “Four Verts” game-winner against the Bucks in March, but there are so many more from where that comes from.

    Per Tom Haberstroh, “Haliburton is 13-of-15 on shots to tie or go ahead in the final 2:00 this season” after hitting the game-winner against the Thunder in the NBA Finals. That stat doesn’t seem possible, but it’s very real. Watch all of Haliburton’s clutch shots this season here.

    In our NBA Finals preview, we wrote about two keys to this series: turnovers and corner threes. We said the Pacers had to avoid turnovers to have any chance against the Thunder; so much for that: Indiana turned the ball over 24 times to just six Thunder turnovers, and still won. A big reason why they were able to overcome that was because of their shooting from the corners: Indiana shot 10-of-16 from the corners in Game 1, including a big one by Aaron Nesmith with 2:39 left on keep Indiana in the game.

    We called Thunder center Chet Holmgren the second-most important Thunder player in this series in our preview. He was terrible in his NBA Finals debut, finishing with six points on 2-of-9 shooting. Jalen Williams also struggled, shooting 6-of-19 from the floor for 17 points. Shai Gilgeous-Alexander was as spectacular as expected on the night with 38 points, but he missed his final shot — a mid-range gimme over Andrew Nembhard — that likely would have won the game for the Thunder given their foul up three strategy.

    The Thunder were a huge favorite entering the NBA Finals at -700 to win the series in most sportsbooks. The Pacers immediately made it a series by pulling out Game 1, and now the stage is set for a classic NBA Finals.

    Haliburton and the Pacers are simply unflappable in clutch moments. He’s performing at a level not even the legends of the game have touched. The Pacers can’t be counted out until they are dead and buried, and they keep finding new ways to escape. Whether the Pacers win or lose this series, what Haliburton has done in these playoffs deserves to be remembered forever.



  • Triple-I Blog | LGBTQIA+ Homeownership Gap May Be Fueling Insurance Protection Gap

    Triple-I Blog | LGBTQIA+ Homeownership Gap May Be Fueling Insurance Protection Gap


    Triple-I Blog | LGBTQIA+ Homeownership Gap May Be Fueling Insurance Protection Gap
    The homeownership gap for same-sex couple households is 25.2% based on the most recent data.

    As part of an ongoing discussion on the link between the housing and insurance markets, the Insurance Information Institute (Triple-I) released a Chart of the Week (COTW), “As Fewer Same-Sex Couples Own Their Dwelling, They Face a Larger Insurance Protection Gap.” Based on data from 2023, 62.6 percent of same-sex households own their homes and 37.4 percent rent, representing a homeownership gap of 25.2 percentage points within this community. In comparison, 82 percent of married opposite-sex households own their homes, while only 18 percent rent.

    In the United States, homeownership offers several benefits (versus renting) to those with the financial resources to achieve and sustain it. Owners can accrue equity to increase their chances of making a profit when they sell their home. They can reap tax benefits through mortgage deductions. Mortgage holders can also lower monthly housing costs when interest rates drop. Ultimately, a home can increase personal net worth and offer a mechanism to transfer wealth to the next generation. Protecting this asset and its contents makes good financial sense.

    Renters may not own their dwelling, but they keep personal belongings in it. They can face serious financial risks in the event of a loss, theft, disaster, or personal liability event. Yet, according to the COTW, 43 percent of renters are uninsured or underinsured, compared to 30 percent of homeowners. There are several reasons attributable to this difference, but it’s essential to keep one at the forefront: insurance coverage requirements are commonplace in mortgage agreements but not in lease agreements. Thus, homeownership status can drive participation in the insurance market.

    Examining factors that impede homeownership for same-sex couples might shed light on how to attract and retain more policyholders in this demographic. Looking closely at the interplay of just three of these – housing prices, geography, and legislative environment – reveals that housing tends to be more expensive in LGBTQIA+-friendly areas. Prospective buyers may need to earn at least $150,000 a year – as much as 50 percent more – to avoid living in regions without basic legal protections, according to a recent study of real estate market data across 54 major U.S. metropolitan areas.

    High monthly housing costs strain budgets, pushing homeowners and renters out of the insurance market. It can also put the financial qualifications for home buying – i.e., building credit and savings – out of reach. Households are considered cost-burdened when they spend more than 30 percent of their income on rent, mortgage payments, and other housing costs, according to the U.S. Department of Housing and Urban Development (HUD).

    Nationwide, renters had higher median housing costs as a percentage of their income (31.0 percent) compared to homeowners (21.1 percent for homeowners with a mortgage and 11.5 percent for those without a mortgage). In metropolitan areas that welcome and protect diversity, renters are more likely to be housing cost-burdened, particularly in New York (52.1 percent of residents pay more than 30 percent of their income) and San Francisco (37.6 percent of residents). Renters in states and municipalities where legislation is considerably less welcoming but rents are lower can face comparatively higher premiums for rental coverage.

    Despite the legalization of same-sex marriage and various anti-discrimination laws, the LGBTQ community still battles considerable discrimination and systemic biases in many areas of life, including housing. Insurers can work to better understand the diverse needs of LGBTQIA+ individuals, couples, and their families, facilitating more effective solutions for managing financial risks. And most importantly, the industry can improve communication around potential coverage benefits for these households.

    “We can start closing the protection gap by having people at the table who understand the lived experiences behind the numbers,” says Amy Cole-Smith, Executive Director for BIIC/ Director of Diversity at The Institutes.

    For example, renters might find it helpful to know their policy covers a loss event linked to discrimination against them, such as malicious damage or vandalism to the property by a third party. Even when it’s evident the destruction isn’t the renter’s fault, the landlord might still attempt to hold them responsible, either through a lawsuit, a rent increase, or eviction. Additionally, unmarried couples should be informed about whether the insurer includes both partners’ names on a policy and how this provision affects them in the event of a claim.

    “Cultivating an inclusive workforce drives smarter solutions, like renters’ insurance that aligns with the realities of same-sex couples, more equitable underwriting, and marketing that truly resonates,” Cole-Smith says. “This isn’t just about equity—it’s about unlocking growth and staying competitive in a changing market. When the insurance workforce reflects the diversity of the market, we’re in a stronger position to build products that meet people where they are.”

    Triple-I works to advance the conversation around crucial issues in the insurance industry, including Talent and Recruitment. To join the discussion, register for JIF 2025. We also invite you to follow our blog to learn more about trends in insurance affordability and availability across the property/casualty market.

  • Best CD Rates: Certificate of Deposit 2023)

    Best CD Rates: Certificate of Deposit 2023)


    Looking to make your money work harder? Explore the world of Certificates of Deposit (CDs), where you can secure solid returns while locking in your funds for a specific time. Discover the banks and credit unions offering the best CD rates, and find out how to maximize your savings with this low-risk investment option.

    Certificates of Deposit (CDs) work similarly to online savings accounts or money market accounts in terms of offering great returns with zero risk. The difference is, CDs “lock your money up” for a specified period of time. To access your funds before the term ends, you’ll have to pay a penalty.

    Although CDs offer less liquidity than a regular checking account or savings account, you might get a higher rate of return with this financial product. This is especially true if you open a CD account with a longer timeline; for example, a 60-month CD instead of a 12-month CD.

    According to the Federal Deposit Insurance Corporation (FDIC), national average CD rates range from 0.23% to 1.81% depending on the CD term, as of writing.

    However, quite a few banks offer vastly superior CD rates to consumers who do their research. We compared dozens of banks and financial institutions to find the best CD rates today. If you’re on the hunt for a high-yield CD, start your search here.

    Important Factors for Certificate of Deposit Accounts

    • CDs are for long-term savings. Since CDs lock your funds into the account for a specific term (usually 12 to 60 months), they aren’t ideal for money you might need to access in the short term.
    • CDs offer security for your funds. CD accounts are a secure place to stash your money and earn interest, thanks to FDIC insurance.
    • Check for CD fees. Most CDs charge fees if you need to access your money early. Make sure you understand these fees before opening this deposit account.
    • Online banks might offer better rates. Although brick-and-mortar banks offer their own CDs, you might find better rates through online banks. Compare legacy banks and online institutions to find the best CD rates.

    If your goal is securing a superior short-term investment, the best CD rates are worth exploring. To help in your search, we compared many of the top financial institutions and online banks to find options with the most attractive rates and terms.

    Find the Highest CD Rates from Banks and Credit Unions

    Explore and contrast the top certificates of deposit (CDs) rates based on the highest Annual Percentage Yield (APY), spanning various terms including 3-month, 6-month, 1-year, 2-year, and 5-year options.

    For The Current CD Rates…

    Raisin (Save Better) partners with some of the top banks in the U.S. for the highest rates on CDs. Check below for the current rates.

    Disclaimer: Interest rates are subject to daily fluctuations, and we strive to provide you with the most current information. Please verify the rates with your bank or credit union for accuracy!

    The banks below made our ranking due to the interest rates they offer and other features.

    • PNC 
    • CIT Bank
    • Discover®
    • Marcus by Goldman Sachs
    • Synchrony Bank

    Best Certificate of Deposit Accounts – Reviews

    There are a few factors to consider when choosing where to open a certificate of deposit. These include whether you want to open your CD in person or online, the rates and terms that apply, and the fees required to access your money early.

    The following reviews explain the CD rates for each of the top banks we profile and other details you should know.

    PNC Bank

    PNC Bank offers a variety of popular banking products, including certificates of deposit. Its CDs don’t require any monthly maintenance fees, and you can monitor your account at any time online or with the BBVA mobile banking app.

    CD terms range from 7 days to up to 10 years, and CDs with longer timelines pay higher CD rates. Note that penalties apply if you access your money early.

    If you cash out your CD early, with a term of one year or less, you’ll pay $25 plus 1% of the amount withdrawn. If you cash out a CD with a longer-term early, you’ll pay $25 plus 3% of the amount you cash out.

    CD Rates: Online CDs with terms from 11 months to 36 months currently pay up to 5.04% APY.

    CIT Bank

    CIT Bank is known for its popular high-yield savings account, known as Savings Builder, but it also offers an array of CDs with excellent terms. Its 11-month, no-penalty CD stands out since it offers an excellent return rate. There are also no penalties if you need to access your money early.

    CIT Bank also offers term CDs with various other lengths, as well as jumbo CDs for deposits of $100,000 or more. None of its CDs come with account opening fees or account maintenance fees.

    CD Rates: CIT Bank currently pays from 0.30% to 3.50% APY on their CDs, depending on the term you choose. Top rates are offered on their 18 month CDs, which pay out 3.00% APY, respectively. Additionally, they have an excellent 11-month No-Penalty CD at 3.50% APY as of the time of this writing (04/05/23.)

    Discover

    With Discover, you can open a CD that lasts anywhere from three months to 120 months. There are no fees to open a CD, including account opening fees or maintenance fees.

    Discover also stands out due to the reasonable penalties it charges if you need to access your money early. CDs with a term of less than one year, incur a penalty at three months of simple interest. For a CD that lasts one to four years, the penalty for cashing out early is just six months of simple interest.

    CD Rates: The 18-month CD is most rewarding, currently offering 4.00% APY. If you’re willing to part ways with your funds for just 24 months, you can earn a rate of 4.10% APY.

    Marcus by Goldman Sachs

    Marcus by Goldman Sachs is a popular online bank for personal loans and high-yield savings accounts, yet it also offers rewarding CDs. Terms for its CDs range from seven months to six years, with a minimum $500 deposit to get started.

    Marcus by Goldman Sachs even offers a 10-day guarantee that says you can move your rate up if the advertised rates on the CD you purchased increase within 10 days.

    CD Rates: Some of the best CD rates from Marcus by Goldman Sachs are for its 9-month CDs, which currently pay 4.30% APY. Marcus by Goldman Sachs also offers limited-time CD rate promotions, like 4.40% on an 18-month CD.

    What Holds It Back: Marcus by Goldman Sachs is an online bank only, so you don’t have the option to open your CD in person.

    Synchrony Bank

    We chose Synchrony Bank for our ranking because it doesn’t impose a minimum balance requirement, yet has competitive CD rates. It offers a 15-day guarantee, which lets you raise your rate if the advertised rate increases within 15 days of your CD purchase.

    Terms are available from three months to 60 months. Early withdrawal fees for their CDs are also reasonable. For example, early cash-outs on CDs with terms of 12 months or less charge 90 days of simple interest at the current rate.

    CD Rates: Five-year (60-month) CDs currently pay 4.00% APY, and three-year (36-month) CDs pay 4.30% APY. They also have a 16 month paying 5.40%

    What Holds It Back: Synchrony Bank CDs are meant to be opened and maintained online, so you consider a different bank if you’re hoping for a personalized experience or you prefer to bank in person.

    How We Found the Best CD Rates

    Finding the best CD rates is important if you want to maximize returns on your savings, yet there are other factors to consider before opening an account. We considered the following factors when compiling this list of banks with the best CD rates of 2025:

    Rates and Terms

    Although we gave preference to banks that apply the best rates to various CD terms, we focused on banks that offer at least one CD with an APY that is at least double the average CD rate nationwide.

    BBVA didn’t score well in this category, yet we included them due to their lack of account fees and a strong reputation among major U.S. financial institutions.

    Account Fees

    We only considered banks that don’t charge fees to open a CD account. We also chose banks that don’t charge any monthly account maintenance fees.

    Early Withdrawal Penalties

    Most banks charge an early withdrawal fee if you cash out your CD early, so we looked for banks with reasonable penalties. We also gave preference to accounts or CD options that don’t charge any penalty for early withdrawals.

    FDIC Insurance

    Finally, we only included institutions in our ranking that offer FDIC insurance. This insurance secures up to $250,000 of CD funds per account holder.

    What You Need to Know About Certificates of Deposit

    If you have never opened a certificate of deposit before, you might wonder how they work and why people choose this option. Here are some important factors when considering a CD account.

    • CDs offer superior rates compared to other deposit products. According to recent figures from the FDIC, the average national CD rate for a 60-month term is about four times greater than the average national savings account rate.
    • Longer CDs offer better yields. Committing your money to a longer timeline can lead to considerably higher returns. FDIC data shows that the average APR for a one-month CD is only .02% — not much better than a basic savings account.
    • CD rates can go up or down over time. CD rates are determined based on the current interest rate environment, including benchmark interest rates. This means that you might get a better CD rate any time benchmark interest rates go up.
    • CD rates can be higher on larger amounts. If you have $100,000 or more to deposit, you might qualify for a “jumbo CD”. This type of CD requires a high minimum deposit, but banks are willing to pay higher APYs to lock in more funds.

    Summary: Best CD Account Rates of April 2025

    BEST FOR AVAILABLE CD TERMS BEST RATE OFFERED
    Raisin (SaveBetter) Short-term, no penalty 1 month to 14 months 4.55%
    PNC Long-term CD options 1 month to 10 years Up to 0.04% APY
    CIT Bank 11-month, no-penalty CD option 1 month to 5 years 3.50% APY
    Discover Reasonable penalties for early withdrawals 18 months to 10 years 4.00% APY
    Marcus by Goldman Sachs Low minimum deposit requirement Seven months to six years 4.30% APY
    Synchrony Bank 15-day rate guarantee Three months to five years 4.50% APY

    The Bottom Line – Locking in the Highest CD Rates

    Investing in a certificate of deposit (CD) is one of the safest ways to grow your money. CDs are low-risk investments with guaranteed returns, so they can be an excellent choice for those looking to diversify their portfolios and lock in higher interest rates.

    When choosing a CD, it’s important to compare APYs (annual percentage yields) and terms between different banks and credit unions in order to get the best rate possible. Shop around for promotional offers or talk to financial advisors if you need help selecting the right CD for your needs.

    With careful research and comparison, you’ll be able to find the CD that gives you the highest rate – and peace of mind – in the long run.

    Some of the key factors you should consider when searching for the best CD rates include the length of the term, any penalties for early withdrawal, and minimum deposit requirements. You’ll also want to compare the annual percentage yields (APYs) of different products to ensure you’re getting a good return on your investment.

    Certificate of deposit (CD) rates may fluctuate throughout the year as interest rates change. It’s important to keep an eye on current market conditions in order to maximize your earning potential by investing in CDs with higher rates.

    Yes, it is possible to get a higher APY than what is advertised by banks and credit unions – especially if you are willing to negotiate or shop around at online banks that offer competitive CD rates. Additionally, certain banks may offer promotional offers or discounts that can result in even better returns on your investment.

    When comparing CD rates, consider the length of the term, penalties for early withdrawal, minimum deposit requirements, and the annual percentage yield (APY). The APY reflects the effective interest rate, including compounding.

    While advertised rates are set, some banks, especially online ones, may offer negotiation options or promotional offers. Shopping around and researching online banks could help you find institutions that offer competitive rates or special deals.

  • Trusted Legal Help After A Motorcycle Accident Injury Or Loss

    Trusted Legal Help After A Motorcycle Accident Injury Or Loss


    Atlanta, GA, is one of the busiest urban hubs in the Southeast, known for its fast-paced traffic and ever-growing road networks. With its vibrant city life and heavily traveled interstates, the area sees many daily commuters, many of whom are motorcyclists. Unfortunately, this increased traffic has also led to a rise in serious motorcycle accidents. In recent years, Georgia has reported a notable uptick in fatal motorcycle crashes, with the Atlanta metro area accounting for a significant share. These incidents often leave families grappling with sudden loss or individuals facing long-term injuries, medical costs, and emotional trauma.

    In such times, having trusted help from an Atlanta car accident lawyer becomes valuable and essential. Motorcycle accidents tend to involve complex liability issues and serious injuries, requiring legal guidance that’s both experienced and compassionate. A lawyer who understands the unique challenges of motorcycle accident cases in Atlanta can help victims navigate insurance claims, gather evidence, and fight for the compensation they deserve. Whether you’re recovering from a crash or grieving the loss of a loved one, finding legal support you can rely on in Atlanta can make all the difference in moving forward.

    Realizing The Power Of Hiring Lawyers 

    Sound legal advice is vital following a motorcycle accident. Accident claims are a legal minefield, and the attorneys who handle these cases are experts in resolving them. They are the right professionals to help victims get compensation and are familiar with the legal issues and complications that often accompany them.

    Motorcycle accident injuries can truly change a life, involving the inability to work and engage in life activities. Emotional burden often gets amplified with financial strains. Lawyers deal with all pressures and take them off by demanding all they are legally entitled to, including medical bills, lost wages, etc.

    Evaluating The Situation

    The initial step after an accident is evaluating the situation. The first step is to see a doctor. Once stable, it’s time to find out specifically what happened in the accident. It becomes essential to collect evidence, including photographs, witness statements, and police reports.

    Attorneys help you analyze the circumstances of the accident, examine the evidence, and determine liability. Few others will ever have such insight to prove that nothing important is missed and that the overall picture remains in front of the eyes.

    Selecting The Right Lawyer

    Choosing the best legal professional is a big commitment. One of the most important factors is experience in handling motorcycle accident cases. An experienced attorney who has successfully dealt with related cases can give you significant insight and tools.

    Researching lawyers you might consider hiring is imperative. Reviews, credentials, and previous clientele can give you a good sense of their experience. An initial consultation usually assists in determining if the victim and the lawyer’s approach will match.

    Getting Familiar With The Legal Process

    Facing the legal aftermath of a motorcycle accident can be daunting. Lawyers shepherd clients through each step, providing clarity and comfort during uncertainty. They are well-versed in the proceedings, from filing claims to negotiating with insurance companies.

    Legal jargon and procedure matter. A lawyer takes complex issues and breaks them down into more manageable parts, ensuring their client understands what is at stake and what options are available. Armed with such knowledge, victims can know they have choices, and greater confidence in their decisions can lead to greater confidence in the process.

    Working With The Insurance Companies

    Insurance companies are not always easy to deal with. To this end, insurers will attempt to pay out drastically less, leading to victim undercompensation. Legal experts fight for fair settlements using their expertise as negotiators.

    Clients who talk to a lawyer can get more money from the insurance company. Lawyers know all the details about the policies and claim processes associated with them, which allows them to argue better for the victim. It also takes the pressure off clients and means they never have to deal directly with insurers.

    Pursuing Fair Compensation

    A top priority after a motorcycle accident is often to secure fair compensation. These damages can include payment for medical expenses, physical therapy, lost wages, and mental anguish. An attorney estimates these damages and submits a total claim.

    Sometimes, an insurance settlement can only take you so far and leads to pursuing litigation. Lawyers prepare well for court, building compelling arguments and working to ensure victims receive the compensation they are entitled to. They take it upon themselves to ensure justice is served and that all victims secure the compensation needed for recovery.

    Emotional Support And Guidance

    There is much more to the aftermath of an accident than simply a legal or financial concern. Rebuilding health and recovery can be painstaking and depends on coping with the emotional trauma. They empathize with the emotional hurdles you face every step of the process.

    Having a cordial relationship with the lawyer can bring peace of mind. It gives victims peace of mind, knowing that someone is fighting for them so they can heal and live their lives.

    Final Thoughts

    Motorcycle accidents lead to chaos, but reliable legal assistance works wonders. Legal professionals are key to recovery by assessing the situation, negotiating fair compensation, and more. The right legal support is peace of mind, allowing victims to heal and rebuild their lives. Thanks to skillful advocacy and caring work, motorcycle accident lawyers work tirelessly to see victims receive the justice and assistance they deserve.



  • 3 Common Ones, Plus Their Solutions

    3 Common Ones, Plus Their Solutions


    “I work with coaches and other people who know too much.”

    Kate Solovieva is a former professor of psychology, a PN master coach, and PN’s director of community engagement.

    And the above quote has become one of her taglines.

    Though Coach Kate has coached thousands of “regular” clients, her specialty is coaching other coaches.

    Through her work as an instructor with PN’s Level 2 Master Health Coaching Certification, a facilitator for PN’s private online coaching communities, and a coach in her own private practice, she gets a front-row view of all the questions and challenges both new and seasoned coaches have.

    Coach Kate knows what other coaches are up to.

    She’s seen the victories and the blunders of thousands of coaches, and today, she’ll share three common mistakes she sees them making.

    If there’s anything Coach Kate wants, it’s to see her peers achieve wild success, so her hope with this article is to help coaches:

    • Stop feeling paralyzed by insecurity and doubt—and start growing their business
    • Learn to see their clients more objectively, so they can best serve their needs and goals
    • Clearly identify their responsibilities as a coach (hint: they’re’ not what many coaches think they are)
    • Harness their natural passion and investment in a client’s success—without burning themselves out

    We’ll cover three common coaching mistakes, plus the solutions to overcome them. Let’s get into it.

    Coaching mistake #1: Focusing on coaching instead of selling

    Coach Kate describes a coaching business as a three-legged stool.

    • There’s the coaching leg (which is your skills and knowledge as a coach),
    • A selling leg (which is your ability to market and attract a flow of clients), and
    • An administrative leg (which includes how clients book appointments, make payments, and other organizing tools and systems).

    “The vast majority of folks who get into coaching start with the coaching leg,” says Kate.

    “They want to become the best coach they can be, which is amazing. However, to become the best coach you can be, information and theory only get you so far.”

    As Kate says, “You cannot become the best coach you can be in a vacuum, talking to yourself in your office.”

    Which is why she suggests challenging the desire many coaches have to wait until their knowledge is “complete.”

    Instead, she suggests, just start selling.

    Why?

    Coaches who start selling sooner also get to start coaching sooner.

    Over time, they’ll have an advantage over the coaches who want to be “the BEST coach they can be” by getting 12 certifications before selling their services.

    Meanwhile, the coach who “doesn’t really know what they’re doing” but has started practicing anyway will begin building their business and their coaching experience—and likely improve their odds of overall success.

    Solution: Remember to show up as a COACH, not an EXPERT

    There’s a natural inclination among aspiring coaches who want to do a good job to get those 12 certifications before they start coaching.

    “Sometimes we hold on to this hope that we’ll get to a point where we feel confident enough at fielding any question that ever comes our way,” Kate says.

    Because as every coach knows, when you start telling people what you do, they’ll have questions. And often, they’ll have questions you can’t answer, and that can feel uncomfortable… mortifying even.

    (You’re supposed to be the expert, right??)

    According to Coach Kate, the above belief—that you’re supposed to be an authority with all the answers—is based on an erroneous assumption.

    “When I show up to a coaching conversation, my role is not ‘the expert,’” she says.

    Yes, coaches have to show up to client interactions with a baseline of nutrition knowledge. (For example, if a client asks you about good sources of protein, you should be able to list some.)

    But coaches don’t have to show up with a prepared lecture, or encyclopedic knowledge of nutrition minutia or biochemistry. (You don’t have to feel bad if you can’t recall the ratio of omega 3 to omega 6 in flax oil, or all the steps in the Krebs cycle that produces ATP.)

    Even when you know the answer, Kate suggests that not answering right away can actually be more productive.

    “If a client asks you about seed oils, you can simply say, ‘That’s a great question. I can get you some information on that if you’d like, but I’m curious, why do you ask?’”

    While the expert might respond with a summary of the latest research on seed oil processing and its health effects, the coach will strive to learn more about why the question is meaningful to the client.

    For example, after inquiring further, you may learn that your client heard about seed oils from their friend Susan, who changed the fat sources in her diet and lost ten pounds. And the client is curious to see if they might also lose ten pounds if they eliminate seed oils.

    With this kind of response, you learn more about what the client is really after (a weight loss solution), which ultimately helps direct you to more effective strategies (which probably have nothing to do with seed oils).

    ▶ Takeaway nugget:

    Coaches should have a firm understanding of fitness and nutrition principles.

    However, clients often don’t need more information; they need coaching.

    When a client asks you a question, consider whether the answer will help them take action.

    If it will, offer them what you know. (If you don’t know the answer, you can simply say, “I’m happy to find more information about that for you.”)

    If it won’t, consider turning their question into a coaching opportunity. Ask, “Can you tell me why you’re curious about that?” Their answers will likely lead you to a more productive conversation.

    Coaching mistake #2: Assuming your clients are exactly like you

    Now, maybe it sounds obvious that clients aren’t just clones of us.

    That said, especially when we feel all warm and vibe-y with our clients, it can be easy to forget in the moment.

    For example, maybe you’re someone who…

    • Tracks macros, and feels it’s relatively simple and effective. So you assume this approach will work on most clients (even though many will find it triggering and overwhelmingly complicated).
    • Coaches virtually, so your clients are all over the world. You might recommend meeting certain protein targets, without considering that in some communities, protein dense foods might either be hard to access, prohibitively expensive, or both.
    • Prioritizes fitness. And for the life of you, you can’t understand why your client would skip a lunch workout because she doesn’t want to mess up her hair and makeup in the middle of a work day.

    If you’re a coach, you probably went into this line of work because you value nutrition, exercise, and overall health. And often, we assume our clients hold these same values. But the truth is, that’s not always the case.

    Says Kate:

    “There’s nothing inherently superior about valuing your health. If you do, yes, you’ll probably experience better health and live longer. But not everyone shares those values. That’s a tough one to swallow.”

    Of course, without seeing your clients for the unique people they are—with their own individual preferences, values, and goals—you may find yourself suggesting behaviors that aren’t possible for them, or striving for goals that aren’t meaningful to them.

    Over time, this becomes frustrating for your clients and you: They feel like you don’t “get” them, and you feel like a “bad” coach.

    Solution: Get a clear picture of the client’s baseline—and determine what actions they’re ready, willing, and able to take

    The opposite of assuming (often unconsciously) that clients are like you is, well, assuming nothing.

    As best as you can, check your biases and assumptions at the door, and approach each client session with an open, curious mind.

    Ask questions, such as:

    “What inspired you—or pushed you—to come in today?”

    And:

    “Why is that goal meaningful to you?”

    And:

    “What skills do you have today that might help you achieve your goal? What skills do you feel you might be missing?”

    Listen.

    Withholding assumptions can be particularly difficult when clients share some obvious similarities with you. (Perhaps they’re also a single mom, or they’re also training for a triathlon, or they’re also a cancer survivor.)

    But even when clients share similar experiences or goals, their biology, social context, personal history, and many other factors can make their “similar” experiences, in fact, totally different.

    Coach Kate says in these cases, you can show that you relate to them, while also inviting them to describe their own experience. She suggests using the following question:

    “I know what [insert shared experience] has been like for me, but what has [insert shared experience] been like for you?”

    Once you have a clear picture of a client’s values, priorities, and reasons for change, you can assess which actions they’re ready, willing, and able to take. (Again, don’t make assumptions here. Just because you find meal prep quick and easy, doesn’t mean your client will.)

    If you want to go through this exercise with your client on paper, use our Ready, Willing, and Able Worksheet.

    ▶ Takeaway nugget:

    Remember that clients:

    • Aren’t always motivated by the same things as you (for example, they might care more about their next lab test results than how they look in a swimsuit)
    • Don’t always enjoy—or hate—the same things (just because you love long sessions of steady state cardio, doesn’t mean they will… or vice versa)
    • Don’t always share your values (as mentioned above, not all clients value health above all else; they may instead value pleasure, spontaneity, or something else)

    Get to know your unique client, their specific goals, and what actions they can realistically execute (and maybe even get excited about).

    Coaching mistake #3: Getting too attached to client results

    This is, actually, very natural.

    “There’s a reason we go into coaching. It’s because we care and we want to help clients. We want to see them succeed,” says Coach Kate.

    But caring can be a double-edged sword.

    “With our clients, we carefully decide on the habits and behaviors that need to occur… And then they walk off and either do the thing or don’t do the thing. That’s brutal.”

    No matter how sound and foolproof your advice is, how well-thought out your plan, how much you care, ultimately, you have no control over whether a client executes it, and gets results.

    Naturally, as a coach, you might feel frustrated, even heartbroken when clients don’t do what they say they’ll do, or when they’re not seeing the outcomes they were hoping to see.

    However, according to Kate, this isn’t something coaches should try to avoid completely. It’s part of the job, and it’s often a sign that your work has meaning to you. (It’s a good thing.)

    “However, I think there’s a point there where we can start caring more than the client themselves,” she says.

    And that’s precisely where to draw to the line.

    At PN, we often say that “care units” are the currency of coaching.

    Care units are how much time, energy, attention, authenticity, and true “heart” you can bring to helping, serving, and caring about your clients.

    Your client also has a certain amount of care units.

    How much time, energy, attention, authenticity, and “heart” can they bring to their own change and growth projects?

    (Most of the time, not that much. Which is totally normal.)

    Our advice: Care one care unit less than your client does.

    How do you do that? One approach…

    Solution: Clearly separate client and coach responsibilities

    So, how do we maintain an appropriate level of emotional investment—but also help clients stay on track?

    “This is where I really like to get really clear on what my role is as a coach,” Coach Kate says.

    “Because if you are very, very clear on what your role is as a coach, then you can sort of go through the list, and check in with yourself: ‘Did I show up? Did I follow up? Did I coach this person to the best of my ability?’”

    For example, as a coach, it’s reasonable to be responsible for:

    • Providing guidelines for how to reach out (to ask questions or book appointments) as well as setting expectations for your response times
    • Weekly check-ins with clients via email, text, or phone, to assess progress or troubleshoot obstacles
    • “Life-proofing” a program as much as possible, by proactively discussing obstacles that could arise in the future, and brainstorming realistic, flexible solutions

    Meanwhile, the client is responsible for:

    • Whether or not they respond to your check-ins
    • Whether or not they actually DO the agreed upon fitness, nutrition, or lifestyle practices that are likely to get them to their goal
    • How much they reveal during coaching sessions (for example, whether or not they tell you if they’re struggling with stress eating, or some other issue that makes it hard to stick to the plan)

    Ideally, clearly delineating these responsibilities should happen early in the coaching relationship. Some coaches prefer to have an open discussion, while others have actual contracts that outline coach deliverables and client expectations.

    This early communication can also be a way of vetting coach-client “fit.”

    “When I’m having that initial conversation with a prospective client, I can ask, ‘What does accountability look like to you?’ If the client replies, ‘Well, I want you to text me every morning and night, and I want you to make sure I’ve done my workout, and also ship groceries to my house,’ then I will be the one to say, ‘I don’t think this is a good fit.’”

    Coach Kate says this kind of early clarity can also prevent coach-client friction in the future.

    Clear boundaries and expectations at the outset means clients are less likely to be disappointed if they assumed their coach was going to “take on” more, and coaches are less likely to burn out from shouldering more than they should.

    It even protects the coach-client relationship in extreme (though not uncommon) situations such as when a client “ghosts” before a paid contract is over.

    “When somebody doesn’t reply to me, I don’t take it personally. It’s not their job to reply, but it is my job to check in,” Coach Kate says.

    “If I don’t hear back, I just check in on Monday, and then again on Monday. And again, and again, and again—trying all the contact methods they’ve provided me—until their coaching contract is over. If we get to that point, they’ll get an email from me saying, ‘Hey, I hope everything’s okay. My door is always open. I hope you’re doing well.’”

    ▶ Takeaway nugget:

    Make a list—either for your own reference, or to include in a contract that new clients have to sign—of the accountabilities you have as a coach.

    (Hint: These are usually specific actions, like “Text, email, or phone once a week to check in” or “Host monthly virtual lectures on various nutrition topics for group clients.”)

    Make sure to have a conversation about expectations and responsibilities with all clients, ideally before beginning to work together, or at least in the first session.

    Bonus mistake: Forgetting to give yourself a pat on the back

    It’s maybe not the most “coach-y” way to write an article: Point out a list of your mistakes, then hand you solutions to deal with them.

    But if you’ve made the above “mistakes,” we want you to hear it from us:

    We’re proud of you.

    If you’ve gotten sidetracked by the above, it’s likely because you really care. And that’s never going to be a mistake; it’s a strength.

    That said, although these “mistakes” are completely normal, and most coaches make them, they can limit your potential as a coach, and as a business.

    And we want to see you succeed.

    (If you liked this article and want to learn more, listen to the full episode of the Coaches Compass podcast, where the interview with Coach Kate Solovieva was originally conducted.)

    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.)