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  • Market Whales and Their Recent Bets on HIMS Options – Hims & Hers Health (NYSE:HIMS)

    Market Whales and Their Recent Bets on HIMS Options – Hims & Hers Health (NYSE:HIMS)



    Investors with a lot of money to spend have taken a bullish stance on Hims & Hers Health HIMS.

    And retail traders should know.

    We noticed this today when the trades showed up on publicly available options history that we track here at Benzinga.

    Whether these are institutions or just wealthy individuals, we don’t know. But when something this big happens with HIMS, it often means somebody knows something is about to happen.

    So how do we know what these investors just did?

    Today, Benzinga‘s options scanner spotted 65 uncommon options trades for Hims & Hers Health.

    This isn’t normal.

    The overall sentiment of these big-money traders is split between 55% bullish and 33%, bearish.

    Out of all of the special options we uncovered, 12 are puts, for a total amount of $453,745, and 53 are calls, for a total amount of $3,066,660.

    Latest Startup Investment Opportunities:

    What’s The Price Target?

    Taking into account the Volume and Open Interest on these contracts, it appears that whales have been targeting a price range from $1.0 to $105.0 for Hims & Hers Health over the last 3 months.

    Insights into Volume & Open Interest

    Looking at the volume and open interest is a powerful move while trading options. This data can help you track the liquidity and interest for Hims & Hers Health’s options for a given strike price. Below, we can observe the evolution of the volume and open interest of calls and puts, respectively, for all of Hims & Hers Health’s whale trades within a strike price range from $1.0 to $105.0 in the last 30 days.

    Hims & Hers Health Option Volume And Open Interest Over Last 30 Days

    Largest Options Trades Observed:

    Symbol PUT/CALL Trade Type Sentiment Exp. Date Ask Bid Price Strike Price Total Trade Price Open Interest Volume
    HIMS CALL SWEEP BULLISH 06/06/25 $3.8 $3.75 $3.8 $66.00 $165.6K 1.0K 4.0K
    HIMS CALL TRADE BULLISH 06/18/26 $25.0 $24.3 $25.0 $65.00 $137.5K 189 65
    HIMS CALL TRADE BULLISH 01/15/27 $25.0 $24.25 $25.0 $60.00 $125.0K 1.1K 83
    HIMS CALL TRADE BULLISH 07/18/25 $53.65 $52.55 $53.64 $3.00 $112.6K 302 36
    HIMS CALL SWEEP BEARISH 06/20/25 $10.35 $9.7 $9.83 $58.00 $110.7K 669 541

    About Hims & Hers Health

    Hims & Hers Health Inc is a multi-specialty telehealth platform that connects consumers to licensed healthcare professionals, enabling them to access high-quality medical care for numerous conditions related to mental health, sexual health, dermatology, haircare and more.

    Having examined the options trading patterns of Hims & Hers Health, our attention now turns directly to the company. This shift allows us to delve into its present market position and performance

    Current Position of Hims & Hers Health

    • Currently trading with a volume of 103,101,957, the HIMS’s price is down by -2.46%, now at $55.37.
    • RSI readings suggest the stock is currently may be approaching overbought.
    • Anticipated earnings release is in 62 days.

    What The Experts Say On Hims & Hers Health

    A total of 3 professional analysts have given their take on this stock in the last 30 days, setting an average price target of $43.33.

    Unusual Options Activity Detected: Smart Money on the Move

    Benzinga Edge’s Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. Click here for access.
    * An analyst from Citigroup persists with their Sell rating on Hims & Hers Health, maintaining a target price of $30.
    * In a cautious move, an analyst from Piper Sandler downgraded its rating to Neutral, setting a price target of $39.
    * An analyst from Needham downgraded its action to Buy with a price target of $61.

    Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.

    If you want to stay updated on the latest options trades for Hims & Hers Health, Benzinga Pro gives you real-time options trades alerts.

  • WNBA teams reveal which charities they’re supporting in 2025 Commissioner’s Cup

    WNBA teams reveal which charities they’re supporting in 2025 Commissioner’s Cup


    The WNBA started its in-season tournament, the Commissioner’s Cup, in 2021, before the NBA created a cup of its own. The premise was straightforward: allow teams to earn more money during the season while also supporting local charitable organizations through a friendly competition.

    Like most new initiatives, the first year saw a bit of confusion. Each team’s first home and away game against every single team in the league was a Cup game, and then the East and West teams with the best record in those games made it to the Final. While all of the initial games counted as regular-season games, the Final did not.

    In recent years, they’ve changed the rules. Now, there is a two-week period in June where every game on the schedule is a Cup game, and then the best East and West teams in that period of the schedule make the final. What has not changed, though, is the fact that all 13 teams in the WNBA choose a charitable organization to support during the tournament.

    Every time a team wins during Cup games, money is donated to their organization. Once two teams make the Final game, money is also donated to the winning team and the second-place team. The winning team also wins a $500,000 prize pool to split among players. There is also $120,000 of cryptocurrency provided by Coinbase ($5,000 for each player) for everyone in the Finals game.

    With the tournament already started, the league has announced the 13 organizations that teams have chosen to support. The Las Vegas Aces received backlash on social media for their choice to support the Anti-Defamation League in Nevada, an organization that has been criticized for the rhetoric they are using about the war in Palestine.

    The Aces have since deleted all their social media posts announcing the move, but it remains to be seen if that was because of a change in their choice or just a desire to avoid discussion of it. The blurb announcing their official selection on the WNBA’s website is still up.

    When asked about the team’s choice of organization, head coach Becky Hammon said she didn’t know anything about it and hadn’t asked. Whether that’s true or not, her response proves that the WNBA continues to have trouble both educating their coaches and players about how the tournament works, but also getting them excited and invested in the process.

    Here are the organizations the other 12 teams in the WNBA have chosen to support during the Commissioner’s Cup. All stated charity missions are via the WNBA website.

    Atlanta Dream: Center for Black Women’s Wellness

    Mission: To improve the health and well-being of underserved Black women and their families.

    Serving the Atlanta area for 36 years, the Center for Black Women’s Wellness fights to ensure women have access to healthcare. They focus not only on physical health, but mental, emotional and financial health as well. They want women to not just survive, but thrive in all aspects of life. They provide women with no health insurance care on a sliding scale, including everything from Pap Tests, labs, family planning, examinations, breast exams, mental health therapy and more. They also have both a Maternal and Child Health program as well as an Economic Self-Sufficiency Program.

    Chicago Sky: BUILD, Inc.

    Mission: To inspire hope and offer opportunities for youth facing systemic obstacles to achieve positive futures.

    BUILD, Inc works with Chicago youth to break the cycle of violence and help them plan for a more positive future. They are a “nationally respected gang intervention, violence prevention, and youth development organization working on Chicago’s West Side.”  BUILD holds everything from after-school programs, mentorship, summer camps, and more to create chances for these kids to have fun and be involved with enriching activities. The goal is both to keep kids out of harmful circles and gangs, but also to help them heal after they may have been involved in or exposed to violence.

    Connecticut Sun: ACLU Connecticut

    Mission: To maintain and promote civil liberties and civil rights throughout the USA and particularly within the state of Connecticut.

    ACLU Connecticut is the local branch of the American Civil Liberties Union, defending, promoting and expanding civil rights in the state. They do everything from litigation to community organizing, civic engagement and education. ACLU is non-partisan and works on its six core values of anti-racism, dignity, diversity, equity, inclusivity, and partners in justice.

    Dallas Wings: Unity Unlimited, Inc

    Mission: Providing educational activities and resources to people, young and old, to foster unity and harmony within the community, the city, the state, the nation and the world regardless of race, culture or denomination.

    Unity Unlimited, Inc creates programming aimed at overcoming racial and cultural division and fostering harmony among people. Examples include a farming initiative that teaches people how to cultivate their own food sources, Juneteenth education and celebration, scholarships, resources for entrepreneurs, and more.

    Golden State Valkyries: Communities United for Restorative Youth Justice

    Mission: Build community and mobilize young leaders in the movement to end youth criminalization and mass incarceration.

    Communities United for Restorative Youth Justice, or CURYJ (pron. Courage), works to liberate youth from the disempowerment that comes with youth incarceration. Their programming puts youth at the front of transforming communities and helping each other heal from trauma while learning the skills and tools needed to thrive in life. The organization aims to end youth incarceration in California by 2030.

    Indiana Fever: Peace Learning Center

    Mission: Peace Learning Center facilitates community learning that acts as a catalyst for peace.

    Peace Learning Center aims to bring communities together to educate and promote peace. They work on the three pillars of wellness: skill building, belonging, and restorative practices. What started as programming aimed to teach youth about conflict resolution has grown into programming for all ages. They hold seminars, activities, camps, school programs and more for Indiana communities.

    Los Angeles Sparks: Social Justice Partners LA

    Mission: Invest in, expand, and connect communities advancing racial & social justice.

    Social Justice Partners LA works to address root causes of racial, economic and social injustice in the Los Angeles area. Starting with education and growing into action, SJPLA’s programming involves fellowships, homelessness initiatives, online courses for people to learn about social justice issues, and healing practices for those fighting to restore justice to communities.

    Minnesota Lynx: ACLU Minnesota

    Mission: Protect the civil liberties of all Minnesotans through litigation, public education, and lobbying.

    Similar to the Connecticut Branch, ACLU Minnesota fights for the civil liberties of people in the state. Their values include advocacy for freedom of expression, equity/justice understanding, common humanity, inclusive democracy, community engagement, and diversity.

    New York Liberty: Girls for Gender Equality

    Mission: GGE works intergenerationally, through a Black feminist lens, to center the leadership of Black girls and gender-expansive young people of color in reshaping culture and policy through advocacy, youth-centered programming, and narrative shift to achieve gender and racial justice.

    Girls for Gender Equality was initially created to help girls have better access to sports and fitness, and later expanded to include more initiatives under the umbrella of creating equality. They now focus greatly on ending violence against girls and women by educating youth and providing opportunities for Black girls and gender-expansive youth to lead. They work through a combination of policy change, youth-led programming, and culture change work.

    Phoenix Mercury: YWCA Metropolitan Phoenix

    Mission: Eliminate racism, empower women, and promote peace, justice, freedom, and dignity for all.

    YWCA Metropolitan Phoenix works to empower women of all ages, races and ethnicities to help achieve equality. They do social justice work and anti-racism programming, leadership skill building, programming to create community for seniors, and try to instigate change through advocacy.

    Seattle Storm: Urban League of Metropolitan Seattle

    Mission: To empower Black and other historically underserved people to thrive for generations through social and economic justice.

    Urban League of Metropolitan Seattle uses advocacy, programming, community outreach and coalition building to promote seven pillars: housing, education, workforce development, public health, entrepreneurship, civic engagement and financial empowerment. They create programming to help families cope with challenges, encouraging self-sufficiency in all aspects of life. They also serve as a liaison between the community and local businesses, government, and other organizations that share concern for the welfare of the Black community.

    Washington Mystics: ACLU of DC

    Mission: The ACLU of D.C. works with District residents and supporters of our vision to protect and advance civil liberties and civil rights by using the tools of public education, political advocacy, organizing, and litigation.

    Like the branches in Connecticut and Minnesota, the ACLU of DC works to protect the civil liberties of citizens in the District. Specifically, they aim to create a community where people are free from systemic governmental oppression and can exercise their power to protect and expand civil rights. They work to make sure citizens know their rights, and help with criminal justice reform, disability rights, due process, equal protection, freedom of speech, and the rights of government employees, immigrants, the LGBTQIA+ community and more.



  • From private equity to IPO: 3 capital pathways for insurance brokerages | Insurance Blog

    From private equity to IPO: 3 capital pathways for insurance brokerages | Insurance Blog


    The insurance brokerage industry has long relied on M&A as a core growth strategy, fueled by accessible, low-cost capital and strong free cash flow generation. While recent Federal Reserve rate cuts have provided some relief, deal volume in 2024 was still down nearly 20% compared to 2023.

    Despite M&A headwinds, brokers continue to face significant pressure to grow. With already high debt ratios and moderating organic growth, brokerages are evaluating alternative ways to bring in new capital sources and generate long-term value. Broadly speaking, there are three primary avenues for brokers to access additional liquidity. These are investment from financial sponsors, strategic acquisitions and initial public offerings.

    1. Investment from financial sponsors (e.g., private equity)

    Financial sponsorship remains the most common source of capital funding. Over the past decade, private equity (PE) firms have accounted for the majority of transactions, responsible for more than 70% of brokerage M&A activity in 2024. The brokerage model is attractive to these investors due to its predictable cash flows, strong operating margins, and capital-light structure. Additionally, unlike insurance carriers, brokers face no actuarial or interest risk, making them an appealing investment within the insurance value chain.

    To secure financial sponsorship, brokers must demonstrate their ability to consolidate at scale, expand margins, and achieve double-digit growth. While common processes and integrated technology are not prerequisites, they provide a competitive advantage by driving greater operational efficiencies and revenue synergies. Beyond strong financial performance, financial sponsors prioritize the following characteristics:

    • Scalability – A track record of successfully consolidating agencies, centralizing key functions, and creating enterprise capabilities for new acquisitions to leverage.
    • Accurate reporting – Standardized data elements and reporting packages that enable performance management and transparent investment analysis.
    • Technology-enabled operations – A well-integrated tech stack that minimizes technical debt, enhances automation, and facilitates data-driven decision-making.

    Best-in-class brokerages proactively implement standardized operating procedures (SOPs) and workflows, ensuring stronger controls, consistent processes, and accurate financials. Those that achieve a high degree of operational rigor and transparency are best positioned to command premium valuations from financial sponsors.

    2. Strategic acquisitions

    Strategic acquirers in the insurance brokerage industry are increasingly targeting firms that offer scalability and complementary capabilities. Additionally, they prioritize brokers with standardized processes and centralized technology infrastructures, which streamline operations and facilitate easier integration. Specifically, the key factors strategic buyers consider include:

    • Complementary capabilities – Brokers with unique specializations (e.g., niche industry expertise, specialized product lines, or geographical access) that enhance the acquirer’s existing operations.
    • Centralized functions – Brokers with centralized finance, HR, and IT functions are more attractive due to the relative ease of integration and the ability to redeploy talent across the business.
    • Technology-enabled Operations – A modern, integrated infrastructure that minimizes technical debt and seamlessly integrates into the acquirer’s existing tech stack.

    For public company acquirers, operational and financial controls are particularly important. Best-in-class brokerages establish robust governance, documented operating procedures, security protocols, and financial & operational audit processes to accelerate integration readiness.

    3. Initial public offering (IPO)

    Preparing for an IPO is a significant undertaking, requiring a high level of operational maturity and rigorous controls. This pathway is typically pursued by large brokers that have outgrown alternative capital strategies. While many of the operational and technology requirements align with those of a strategic acquisition, IPO readiness requires additional maturity in three key areas:

    • Financial reporting – Public companies must meet rigorous financial reporting standards, ensuring timely and accurate financial statements. Beyond core financials, brokerages must provide directional commentary on operational metrics, such as renewal rates and pricing change.
    • Controls & compliance – Achieving SOX compliance is essential for any company preparing to go public. This requires a robust internal control framework, including segregation of duties, access controls, and regular audits to safeguard data integrity.
    • New corporate functions – Companies preparing for an IPO often need to establish new functional groups, such as investor relations, external communications, and risk management, while also strengthening existing teams (e.g., accounting, legal, and compliance) to handle the complexities of operating as a public company.

    Taking the first steps toward capital readiness

    For brokers evaluating their next capital move, the path forward starts with a clear understanding of their business and strategic objectives. The following steps can help brokerages prepare for their next liquidity event:

    1. Assess your liquidity options – The right capital strategy depends on a brokerage’s size, growth trajectory, and long-term goals. Smaller firms may find financial sponsorship or strategic acquisition the most viable, while larger brokers may need to prepare for an IPO as alternative options become limited.
    2. Understand the requirements for each path – Every liquidity option comes with its own financial, operational, and compliance requirements. Brokers should evaluate their current state and determine what is feasible given their existing infrastructure, resources, and culture.
    3. Develop an actionable plan – Identifying gaps between current operations and the requirements of the chosen liquidity strategy is critical. Brokers should prioritize initiatives such as financial reporting improvements, operational standardization, or technology enhancements to increase their attractiveness to investors and acquirers.

    By taking a structured approach, brokers can access new sources of capital, drive long-term growth, and confidently navigate an evolving market landscape.

    Let’s Talk

    We’ve helped and are actively assisting brokerages in navigating this evolving capital landscape. If you’d like to discuss further, please reach out to Rob Held, Bob Besio or Robert Green if you’d like to discuss further.

     

  • Are Term Life Insurance War Exclusions Valid for Civilian Death?

    Are Term Life Insurance War Exclusions Valid for Civilian Death?


    Do term life insurance war exclusions cover civilian death? Find out the answer and how to protect yourself during such uncertain times.

    When a country faces geopolitical tensions or an ongoing conflict, it’s natural for people to worry about the impact on their lives, including their financial security. For those with term life insurance, a common concern is whether a death due to war or war-like situations will be covered under their policy. This is particularly important for civilians, as they are often indirectly impacted by the chaos of war, even though they aren’t directly involved in military actions.

    In this blog post, let us explore the key aspects of war exclusions in term life insurance policies and clarify whether civilian deaths due to war are covered. Let’s break down this complex topic by looking at common policy exclusions across Indian insurers and understanding the risks involved.

    Are Term Life Insurance War Exclusions Valid for Civilian Death?

    Term Life Insurance War Exclusions

    Term life insurance policies typically offer a straightforward benefit: in the event of the insured person’s death, the nominee will receive a sum assured. However, like most insurance contracts, term policies come with exclusions — situations in which the insurer will not pay out a claim.

    One of the most common exclusions in life insurance policies is death due to war or war-like situations. But how do these exclusions work for civilians, and what exactly do insurance companies mean by “war” in these contexts?

    Most life insurance policies, including those from well-known Indian insurers like LIC, HDFC Life, ICICI Prudential, SBI Life, and others, explicitly exclude death resulting from war or war-like situations.

    As per the standard exclusion clause in LIC’s Tech Term policy document,

    “The Corporation shall not be liable to pay any death claim if the death of the Life Assured is caused directly or indirectly by or resulting from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.”

    This exclusion can be interpreted to mean that any death caused by a situation involving armed conflict, war, terrorism, civil commotion, or similar circumstances will not be covered under the policy, whether the individual is a civilian or a member of the armed forces.

    Please take note of these two important points here.

    The term “war” usually refers to an organized conflict between states or parties, but the exclusion also includes civil war, terrorism, and rebellion.

    The clause is broad and comprehensive, applying to both civilian deaths as well as those related to military operations.

    Why Are War-Related Deaths Excluded from Term Insurance?

    The reasoning behind this exclusion is primarily based on the risk factors associated with war or conflict situations. Insurance is typically designed to protect individuals from unpredictable but insurable risks. Events like war, terrorism, and civil strife are catastrophic, wide-ranging events that are often seen as uninsurable.

    Here are a few reasons why insurers usually exclude war-related deaths:

    • High Risk of Mass Casualties: Wars and conflicts can cause widespread destruction, leading to significant casualties that insurance companies may find financially unsustainable to cover.
    • Unpredictability: The nature of war is often unpredictable, and its effects can extend beyond traditional accidents, including factors like national security, military actions, and civil unrest.
    • Excessive Losses: Insuring against war can expose insurers to enormous liabilities due to the large-scale death tolls and destruction.

    Do War-Related Exclusions Apply to Civilians?

    Yes, civilian deaths due to war are generally excluded under the terms of most Indian term life insurance policies. While the first part of the exclusion often focuses on military personnel (especially those directly engaged in military operations), the second part applies to all insured persons — including civilians.

    Example of Common Exclusions for Civilians:

    • Death due to bombing, airstrikes, or missile attacks during a conflict.
    • Death caused by terrorist activities, which are often part of war-like scenarios.
    • Injury or death during civil unrest, rebellion, or revolution.

    Even though civilians are not actively involved in combat, they can still be directly impacted by the consequences of war. Therefore, under most policies, these deaths are excluded from coverage.

    Are There Any Exceptions to the War Exclusion?

    In some special cases, insurers may make exceptions to the war exclusion, especially if the death is incidental to war rather than a direct result of it. For example:

    • If a civilian dies in a non-combat situation (such as a traffic accident caused by a bomb blast during a conflict), some insurers may consider paying the claim.
    • Accidental deaths resulting from war-like conditions might still be covered under accidental death benefit riders if the rider is separately purchased and doesn’t include exclusions for war.

    However, these exceptions are rare, and the general rule remains that death due to war-related incidents is not covered.

    Here’s a quick look at how some major Indian insurers treat war-related exclusions in their term life insurance policies:

    Insurer War Exclusion Clause Death Due to War (Civilians)
    LIC War, invasion, terrorism, civil commotion, rebellion, etc. Not covered
    HDFC Life War, terrorism, civil commotion, rebellion, military actions, etc. Not covered
    ICICI Prudential War, civil commotion, terrorism, hostilities, military or usurped power Not covered
    SBI Life War, rebellion, terrorism, civil war, hostilities Not covered
    Max Life Insurance War, invasion, terrorism, hostilities Not covered

    As you can see, almost all major insurers have the same exclusion when it comes to death due to war.

    Conclusion – To summarize, death due to war is generally excluded under term life insurance policies in India — even for civilians. While war may be an unpredictable and uncontrollable event, insurers typically deem it an uninsurable risk. Therefore, civilian deaths resulting from war, whether caused by airstrikes, bombings, or terrorist activities, are usually not covered.

    If you are concerned about the risks associated with such events, it’s advisable to:

    1. Review your policy exclusions carefully.
    2. Consider additional coverage like accidental death benefit riders, which might offer some level of protection in cases of terrorism or accidents during conflict situations.

    Disclaimer: The above article is based on the general information available in policy documents of various insurers. However, in a real-life situation such as war, the government may intervene and direct insurers to honor claims, or insurance companies might choose to settle them on humanitarian grounds. Still, I strongly recommend reviewing your individual policy document for specific exclusions and clarity.

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

  • 10 Foods That May Be Causing Bloating (Even the Healthy Ones!)

    10 Foods That May Be Causing Bloating (Even the Healthy Ones!)


    Do you ever wake up feeling bloated and uncomfortable, wishing for a flatter stomach? You’re not alone! Bloating can be caused by a variety of factors, including the foods you eat (even the healthy ones)! 

    If you’re looking to debloat overnight and wake up with a flatter stomach, here are some quick fixes + 10 foods to avoid:

    10 Foods That May Be Causing Bloating

    Even some healthy foods can contribute to bloating. If you’re looking to debloat overnight, consider avoiding these 10 foods:

    1. Beans and legumes: While they are nutritious, they can cause gas and bloating in some individuals.
    2. Dairy products: Lactose intolerance can lead to bloating and discomfort after consuming dairy.
    3. Cruciferous vegetables: Broccoli, cauliflower, and cabbage can cause gas and bloating due to their high fiber content.
    4. Carbonated drinks: The bubbles in carbonated beverages can lead to bloating and gas.
    5. Salty foods: Excess salt can cause water retention and lead to bloating.
    6. Sugar alcohols: Found in sugar-free gum and candies, sugar alcohols can cause digestive issues and bloating.
    7. Artificial sweeteners: Some artificial sweeteners can be difficult for the body to digest, leading to bloating.
    8. Processed foods: Foods high in preservatives and additives can be hard on the digestive system and cause bloating.
    9. High-fat foods: Fatty foods can slow down digestion and lead to bloating and discomfort.
    10. Spicy foods: Spicy dishes can irritate the digestive system and cause bloating in some individuals.

    Quick Fix for a Flatter Stomach

    If you’re looking to reduce bloating quickly, check out our Bloat Be Gone capsules! You can take it before meals to avoid bloating or after when you are feeling bloated! 

    Its gentle blend of digestive enzymes, ginger, peppermint, and dandelion root tackles puffiness from stress, travel, or indulgences—no matter what’s on the menu. 

     

     



  • Covid19 Business Support

    Covid19 Business Support


    With this lockdown in Auckland seeming to go on forever, it’s a good time to refresh evryone on what support is available and what changes have been made to the support.

    If your business has reduced revenue

    COVID-19 Wage Subsidy Scheme
    The Wage Subsidy Scheme will be available to all businesses while any part of the country is in Alert Levels 3 or 4. For example, while Auckland is in Alert Levels 3 or 4, businesses in Auckland and other parts of the country can apply for the COVID-19 Wage Subsidy Scheme.
    You can apply for the COVID-19 Wage Subsidy Scheme to help keep paying your staff and protect jobs.
    Businesses must meet the eligibility criteria to apply.
    Businesses and self-employed people must expect a 40% drop in revenue to be eligible to receive the wage subsidy.
    The wage subsidy is paid in a 2 week lump sum. You can get:

    $600 per week for each full-time employee

    $359 per week for each part-time employee

    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.
    If you applied for a Wage Subsidy, you will need to wait 2 weeks after your application before you can apply for the next Wage Subsidy, even if you haven’t received a payment yet.
    To apply for the wage subsidy go to the work and income website.

    COVID-19 Resurgence Support Payment
    The COVID-19 Resurgence Support Payment helps to cover wages and fixed costs for businesses who have been directly affected when there is an increase to Alert Level 2 or higher for a week or more.
    To be eligible, your business must have experienced at least a 30% drop in revenue or a 30% decline in capital-raising ability over a 7-day period, due to an increase in Alert Levels.

    You can receive $1,500 per business plus $400 per full-time employee (FTE), up to 50 FTE.

    The maximum payment is $21,500.

    If you’re a sole trader, you can receive a payment of up to $1,900.

    Businesses anywhere in New Zealand can apply if they meet the eligibility criteria.
    You can apply for both the COVID-19 Resurgence Support Payment and the COVID-19 Wage Subsidy Scheme if you meet all the eligible criteria.
    You can receive all three payments if you are eligible for them.

    Increase to Resurgence Support Payment

    The Government has announced an increase to the Resurgence Support Payment as we transition to the new COVID-19 Protection Framework.

    From 12 November 2021, the Resurgence Support Payment will be paid fortnightly.

    • Businesses can receive $3000 per business plus $800 per full-time employee (FTE), up to 50 FTE.

    • The maximum fortnightly payment is $43,000.

    • If you are self employed, or a sole trader you can receive a payment of $3,800.

    The eligibility criteria remains the same.

    The Resurgence Support Payment will continue to be available to businesses anywhere in New Zealand until Auckland moves to the new COVID-19 Protection Framework.

    Small Business Cashflow Loan Scheme
    If you employ 50 or fewer staff, you may be able to apply for the Small Business Cashflow Loan Scheme. This is a one-off 5 year loan. You can borrow a maximum of $10,000 plus $1,800 per full-time-equivalent employee within your business.

    When applying for the loan, you need to be able to declare that your business is viable.

    Your business must have experienced a minimum 30% decline in actual or predicted revenue over the period of a month, compared with the same month last year.

    Applications are open until 31 December 2023 through myIR. If your business does not have a myIR account, you will need to create one to apply.

    Loans will be interest free if they are paid back within 2 years. The interest rate is 3% for a maximum term of 5 years.


    Help with your tax
    If you are finding it hard to meet your tax obligations due to COVID-19, Inland Revenue may be able to help.


    If an employee needs to self-isolate
    If an employee has been asked to self-isolate by a doctor or health official, they legally must stay home until they are told they no longer need to by public health officials.
    If an employee cannot work from home while self-isolating, you may be able to apply for financial support so they can continue to get paid.
    COVID-19 Leave Support Scheme
    If your employees have been asked to self-isolate and they cannot work from home, you can apply for the COVID-19 Leave Support Scheme for them. Employees on a casual contract are also eligible for the payment.
    You can also use the payment to help pay employees who:

    • are sick with COVID-19 and need to isolate until a doctor tells them they no longer need to

    • have been in close contact with someone who has COVID-19

    • are at a higher risk of getting sick from COVID-19

    • live with someone who is at high risk of getting sick from COVID-19, and a doctor or health professional has told people in the household to isolate to reduce the risk of transmitting COVID-19 to vulnerable household members

    • have been asked to self-isolate by public health officials

    • need to stay home and look after a dependent child who needs support to self-isolate.

    The Leave Support Scheme is paid as a 2 week lump sum at the rate of:

    $600 a week for full-time employees

    $359 a week for part-time employees

    Employers and employees need to meet certain criteria to apply for the Leave Support Scheme.
    This payment is available anytime, and is not restricted to a change in Alert Levels.
    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.

    If an employee is waiting for the result of a COVID-19 test
    If an employee has been asked to get a COVID-19 test, they must stay home until they get a negative result.
    If an employee cannot work from home, you may be able to apply for financial support so they can continue to get paid.
    COVID-19 Short-Term Absence Payment
    The COVID-19 Short-Term Absence Payment helps businesses keep paying employees who cannot work from home and:

    • need to stay at home while waiting for a COVID-19 test result

    • need to stay home and look after a dependent child who has been asked to get a COVID-19 test, or

    • live with someone who has been at a location of interest and need to stay home while they wait for the person in the household to get a negative test result.

    Employees on a casual contract are also eligible for the payment.
    You can get a one-off amount of $359 for each eligible worker while they are staying home waiting for test results. The amount is the same for both full-time and part-time employees.
    You can apply for the Short-term Absence Payment any time, not just when there is a risk of community transmission, or change in Alert Levels.
    You cannot get the Wage Subsidy August 2021, Leave Support Scheme and Short-Term Absence Payment for the same employee at the same time.

    Additional support for businesses in Auckland
    As Auckland transitions to the new COVID-19 Protection Framework, businesses will be able to apply for up to $3000 worth of advice and planning support, and then receive up to $4,000 to implement that advice through the established Regional Business Partners programme.
    There will also be funding available for businesses to apply for mental health support for their employees.

  • Empowering Cleaner Air and Community Resilience Through Data

    Empowering Cleaner Air and Community Resilience Through Data


    The Social Impact Partner Spotlight series highlights various nonprofit organization partners that are leveraging technology to help transform the lives of individuals and communities. This blog features Splunk’s partnership with OpenAQ, Radiant Earth, and WattTime, demonstrating their efforts to enhance data access and digital tools that support informed decision-making for a healthier planet.

    Data, artificial intelligence (AI), and digital tools can help uncover solutions to complex environmental challenges that can be implemented at scale for maximum impact. However, while much of the data exists, the datasets are enormous. That means that too often, nonprofits, governments, and other organizations aren’t able to access the data in a searchable and usable way.

    In October 2024, Splunk was pleased to provide strategic grants to three nonprofits that are working to advance solutions for a sustainable planet: OpenAQ, Radiant Earth, and WattTime. While each has a distinctive history and approach, they share a commitment to increasing data access and providing digital tools to support better decision-making that will have a positive and lasting impact on our world.

    Empowering a global community to improve air quality

    Picture of OpenAQ map with air sensor monitoring
    OpenAQ map with air sensor monitoring.

    OpenAQ is an environmental tech nonprofit focused on increasing access to air quality data to help communities take action to pursue clean air initiatives. Its story started ten years ago when founder Christa Hasenkopf was a State Department scientist working to compile data on air quality at embassies. She quickly learned that data was either nonexistent or not openly available, and when existent, it was challenging to access and not standardized. Christa and her spouse, Joe Flasher, who worked at an engineering company that applies energy and environmental data to global challenges, knew open data was crucial in educating people on the severity of air pollution. They envisioned a universally accessible, open-source database of air quality data, and when they couldn’t find one, they set out to build one.

    Today, Open AQ’s open-source, open-access data platform is the largest such platform in the world. It aggregates real-time air quality measurements from thousands of monitoring stations worldwide, harmonizing the data for consistency, focusing on core air pollutants like PM2.5, PM10, NO2, SO2, CO and ozone. That data empowers communities to analyze and forecast air quality, raise awareness among the public, and develop solutions to combat air pollution. Users include scientists, journalists, government agencies, entrepreneurs and NGOs, united by a common goal: supporting a world where everyone breathes healthy air.

    Making environmental data readily available to more people

    Founded in 2016, Radiant Earth enables data-driven decision making to address challenges related to sustainability and conservation. By providing a platform and resources for accessing and utilizing satellite imagery and geospatial data, Radiant Earth is making environmental data more accessible to help governments, research institutions, and civil society organizations address complex global challenges.

    One example of this is their work organizing the Cloud-Native Geospatial Forum, which brings geospatial data users together from across government, industry, and academia to develop open and more accessible methods for working with Earth science data over the Internet – including satellite imagery, weather data, and climate models – which can provide vital insights for applications like crop mapping, forest monitoring, and urban planning. This approach is designed specifically to empower researchers in developing countries to access and analyze data that was previously only accessible to research institutions with powerful compute infrastructure.

    Creating tools that boost energy efficiency and reduce emissions

    Map image of WattTime's emissionality in Eastern Europe.
    WattTime’s emissionality in Eastern Europe.

    What if three simple fixes could save 9+ gigatons of greenhouse gas (GHG) emissions annually: changing when we use energy, where we build new clean energy sources and which suppliers we procure from? WattTime is developing innovative data-driven solutions that allow individuals, companies, and governments to make informed energy choices, enhancing energy efficiency and reducing emissions.

    WattTime uses real-time electricity grid data to determine the emissions impact of using electricity at any given moment. Founded by UC Berkeley researchers, its tools pinpoint the emissions from generators operating to meet electricity demand, combining this information with forecasting techniques to predict when energy has the lowest GHG emissions. It transforms that data into actionable signals that can automatically adjust the timing of energy use, shared with partners through an API.

    Those signals can be used to optimize smart devices like electric vehicles, thermostats and water heaters to use electricity at lower-emission times, with slight timing shifts adding up to significant reductions in emissions. Similarly, it can help assess where building new clean energy sources could have the greatest impact on reducing power grid emissions. That helps increase the adoption of clean energy sources, benefiting both people and our planet.

    To learn more about how organizations are harnessing the power of technology to drive climate solutions, visit Cisco’s Climate Grants and Investments page.

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  • Keeping a Pulse on Agency Performance with EZLynx Reporting and Analytics

    Keeping a Pulse on Agency Performance with EZLynx Reporting and Analytics


    This post is part of a series sponsored by EZLynx.

    Performance data is one of the most powerful tools an independent agency can use to stay competitive—but only when it’s timely and easy to understand. Outdated spreadsheets, static end-of-month reports, or having to chase down emails and colleagues just to get the stats you need won’t cut it anymore.

    With EZLynx’s reporting and analytics capabilities, everything you need to understand and improve your agency can be accessed directly within the management system.

    When You Know More, You Can Do More

    The EZLynx Agency Pulse Report provides you with a clear, real-time overview of your agency’s overall health—straight to your inbox every month. From sales pipelines and revenue to customer counts, accounting data, staff performance, personal vs. commercial lines breakdowns, and total written policies and premiums, all your key metrics are centralized and easy to review.

    The numbers speak for themselves: data-driven organizations are 58% more likely to beat their revenue goals and are 162% more likely to significantly surpass revenue goals than firms relying on outdated methods. If you want to grow your agency, you need real-time visibility into your business—right down to the details.

    Trenton DeVito, Licensed Insurance Broker and Owner of MyInsuranceGuy
    Trenton DeVito, Licensed Insurance Broker and Agency Owner, MyInsuranceGuy

    For Trenton DeVito, Licensed Insurance Broker and Owner of MyInsuranceGuy, the updates and automated insights from the Pulse Report have empowered his agency to make smarter, data-driven decisions. With clearer visibility into performance, DeVito and his team no longer have to rely on guesswork or intuition.

    “The Pulse report has been a critical piece to our agency’s growth. Before it, we had virtually no metrics to base any decision making off of. It’s essentially playing darts blindfolded. Now, we can make informed decisions with information I didn’t even think would be useful. It tracks almost everything.”

    Pulse Reports don’t just support better day-to-day decision-making—they also help you plan for the long term. Because they’re so comprehensive and visually easy to understand, Pulse Reports can help you confidently set targeted goals and develop strategies to drive growth and improve your agency’s performance over time.

    “We have been implementing pulse reports into our decision making — into budgeting and planning. We’ve got a five-year plan that we could barely plan two years in advance before this feature,” said DeVito. “It has been incredibly influential.”

    Turn Insights into Advantage

    You work hard every day to deliver for your clients and stay at the top of your game—so wouldn’t it be helpful to know how your agency truly stacks up against others like yours? EZLynx Pulse Reports’ Peer Benchmarking feature makes that possible by offering a clear view of how your agency compares to similar-sized peers, providing valuable insight into your position in the market.

    These insights enable you to focus on areas in your agency that need improvement while doubling down on areas where you excel, helping you sharpen your competitive advantage.

    “We had nothing like the Peer Benchmarks before,” DeVito added. “We would try and Google to see if we could find metrics on how we were performing comparatively, and we would never find anything. But now with EZLynx, we’ve got the aggregated data.”

    EZLynx reports can also be customized to your needs. Want to stay informed at a glance? EZLynx Summary Reports offer quick, out-of-the-box, dashboard-style visualizations that give you easy access to key metrics and a high-level snapshot of your agency.

    If you need more detail, EZLynx Master Reports let you sort and filter across performance indicators like lines of business and carriers by premium, transactions per month or policies per customer. Filters can be as complex as you need, allowing you to apply sophisticated formulas and aggregates to create reports tailored to you.

    Empowering Your Agency’s Future

    Understanding and accessing your agency’s metrics shouldn’t hold you back from growth. With EZLynx delivering performance insights directly within your EZLynx agency management system, you can skip the busywork of data wrangling and focus on what really matters—serving clients, strengthening relationships, and scaling your agency.

    The most important insurance news,in your inbox every business day.

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  • 7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement

    7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement


    7 Shocking Ways Helping Kids Can Leave Parents Broke in Retirement
    Image source: Pexels

    Every parent wants to see their kids succeed in life, and for many, that means offering financial support along the way. From college tuition to wedding expenses to helping with a down payment on a first home, it’s easy to open your wallet in the name of love. But while generosity is a beautiful quality, it can also come with a hidden cost: your own financial security.

    Many retirees find themselves struggling to make ends meet because they gave too much to their children during their working years. Here are seven shocking ways helping your kids can leave you broke in retirement — and how to avoid falling into the same trap.

    1. Paying for College Without a Plan

    Covering college tuition and expenses is one of the biggest ways parents support their kids, but it’s also one of the easiest ways to derail retirement savings. With the cost of higher education soaring, parents often find themselves dipping into 401(k)s, IRAs, or even home equity to pay for tuition. Unfortunately, these withdrawals can create significant tax burdens, penalty fees, and a loss of future growth on investments meant to support your retirement.

    Worse still, once that money is gone, it’s gone, unlike student loans that can be refinanced or deferred. Helping your child is admirable, but doing so without a clear plan can jeopardize your own financial well-being.

    2. Co-Signing Loans That Come Back to Haunt You

    Co-signing a student loan, car loan, or mortgage for your child might seem like a quick way to help them build credit or afford that first home. But if your child struggles to make payments, the responsibility falls squarely on you. Missed payments can tank your credit score and leave you on the hook for the entire debt, often at the worst possible time…like right before retirement.

    Some parents end up paying off loans they never expected to cover, draining savings they’d counted on to support their golden years. Think twice before putting your name on the dotted line. It might come back to haunt you.

    3. Funding Lavish Weddings or Dream Homes

    It’s natural to want to help your children celebrate milestones like weddings or buying their first house. However, lavish spending on these occasions can quickly eat away at your retirement savings. Parents sometimes take out personal loans or raid their retirement accounts to fund big weddings or generous down payments, believing they’ll “catch up later.”

    The reality? Most don’t. Once those funds are spent, they can’t be replaced, and the financial hit can be devastating. It’s okay to contribute to life’s big moments, but setting a clear budget that doesn’t compromise your own future is crucial.

    4. Providing Ongoing Financial Support

    Sometimes, adult children rely on their parents for ongoing help with rent, car payments, groceries, or other everyday expenses. While it might seem like a small monthly contribution, these payments can quietly drain your retirement funds over time. What starts as a temporary bridge during tough times can turn into a long-term financial lifeline that parents can’t easily turn off.

    Many retirees are shocked to find themselves supporting their kids well into their own 60s or 70s, long after they planned to enjoy financial freedom. Before offering continuous help, consider whether it’s enabling dependence or hindering your own ability to retire comfortably.

    elderly couple sitting on the couch
    Image source: Pexels

    5. Sacrificing Your Own Emergency Fund

    Parents often feel compelled to help their children during financial crises, even if it means sacrificing their own emergency savings. Whether it’s covering a medical bill, car repair, or sudden job loss, raiding your nest egg might seem like the right thing to do. But once that cushion is gone, you’re left vulnerable to unexpected expenses in your own life, like health issues or home repairs.

    Financial experts recommend prioritizing your own emergency fund before extending help to others. Otherwise, you could find yourself in a financial bind at a time when earning more income is no longer an option.

    6. Moving in Together Without Boundaries

    Inviting your adult child (and sometimes their family) to move in can sound like a win-win: they save on rent, and you enjoy the company. But without clear boundaries, shared living arrangements can drain your finances faster than you think. Utility bills, groceries, home maintenance, and even additional wear and tear on the house all add up, often without formal rent contributions or shared responsibilities.

    Parents who foot the entire bill may find themselves spending hundreds or even thousands each month supporting adult children at home, all while their own retirement plans suffer. Establishing ground rules and financial expectations is key to making multi-generational living work.

    7. Letting Guilt Guide Your Decisions

    One of the most subtle yet powerful ways parents end up broke in retirement is by letting guilt guide their financial choices. It’s easy to feel obligated to help your kids succeed, especially if they’re struggling. But giving in to guilt often means ignoring your own needs, risking your security for the sake of keeping the peace.

    The truth is that financial independence is just as important for parents as it is for kids. Learning to say “no” when necessary and focusing on long-term stability ensures you can continue to support your children emotionally without sacrificing your own well-being.

    You Need to Set Boundaries

    Supporting your children financially is a loving gesture, but it shouldn’t come at the cost of your own retirement security. By setting boundaries, making informed choices, and prioritizing your own needs, you can strike a balance between helping your kids and protecting your financial future.

    Have you ever found yourself giving too much? Or perhaps you’ve learned a valuable lesson about saying no?

    Read More:

    7 Financial Moves That Made Retirement Way Harder Than Expected

    6 Reasons Why More Retirees Continue Working Than Ever Before

  • Best Hydrating Foods for Summer

    Best Hydrating Foods for Summer


    Staying hydrated in the summer heat can be challenging, but it’s also important. After all, roughly 50% to 60% of your body weight is water, and losing too much of it can lead to fatigue, dizziness, and other dehydration symptoms. We often focus on what to drink to stay hydrated (with plain water being the obvious choice), but how to stay hydrated isn’t just about beverages. What you eat can significantly boost your hydration too. In fact, an estimated 20% or more of our daily water intake comes from food. This means that incorporating hydrating foods into your summer diet can help you meet your fluid needs while also providing vitamins and electrolytes. 

    Kellie Lunday, MS, RD, LD, and AFPA’s Nutrition Content Lead, shares: “If I’m slacking on my water intake during the summer, I know that my summer produce has my back! It’s the perfect time of year to focus on my vegetable and fruit intake, with the added benefit of hydration.” 

    In this article, we’ll explore some of the most hydrating foods to enjoy during summer, explain how these foods with high water content support your body’s fluid balance, and offer tips on including hydrating fruits and vegetables in meals. From juicy watermelon (ever wonder how much water is in watermelon?) to crisp cucumber (spoiler: it’s almost all water), these foods can make staying hydrated easy and delicious. Let’s dive into how to get hydrated and stay that way using nature’s own refreshing ingredients. 

    Hydration Is More Than What You Drink 

    When the sun is blazing, it’s easy to gulp down a cold glass of water. Yet many people struggle to drink enough fluids throughout the day. Maybe you forget to sip regularly or don’t feel thirsty until you’re already somewhat dehydrated. The good news is that you can make up some of the difference with food. Eating water-rich foods essentially lets you “drink” through your meals. This is a handy strategy, especially for those who find it challenging to drink enough water each day. 

    Our bodies constantly lose water through sweat (especially on humid summer days), as well as through breathing and urine. If you’re not replenishing those losses, you risk dehydration. And dehydration isn’t just a minor inconvenience—it can sap your energy and even impair mood and focus. While what to drink to stay hydrated should still be a priority (plain water, herbal iced teas, and other low-sugar beverages are great choices), remember that foods that hydrate you can contribute substantially to your daily needs. In fact, a balanced diet can provide up to about two cups of water per day just from food. Eating the recommended daily servings of fruits and vegetables (for example, two servings of fruit and three of vegetables) might give you roughly 15 ounces of water – that’s nearly a pint of fluid just from produce! 

    Hydrating foods are particularly helpful if you’re active or spend a lot of time outside in summer. They not only supply water but also often come with fiber, electrolytes, and antioxidants. This combination helps your body absorb and use the water effectively. In other words, munching on foods that help with hydration can actually be more efficient at rehydrating the body than water alone in some cases. Next time you’re thinking about how to increase hydration on a sweltering day, don’t just reach for your water bottle – head to the fridge as well. 

    Aspiring personal trainers: learn all about nutrition for fitness performance in AFPA’s Personal Trainer Certification.

    Juicy and Refreshing: Hydrating Fruits 

    When it comes to fruit for hydration, nature has a knack for packing water into sweet, portable packages. The hydrating fruits of summer are not only delicious but also loaded with water. A standout example is watermelon. 

    As its name suggests, watermelon is mostly water – about 92% water, to be exact. If you’re wondering how much water is in watermelon, imagine each bite as almost all water with a bit of nutrients. No wonder eating watermelon on a hot day feels so satisfying. It’s like drinking water, but with the bonus of flavor, vitamins A and C, and the antioxidant lycopene. So is watermelon good for dehydration? Absolutely. Watermelon is one of the best foods for hydration you can find, since it helps quench thirst and replenishes you with minerals (like potassium) at the same time.  

    “Slice it up for a snack, blend it into a smoothie, or toss it with some mint and feta for a hydrating summer salad. With watermelon on the menu, how to stay hydrated becomes a far more enjoyable endeavor,” says Kellie Lunday, MS, RD, LD. 

    Watermelon isn’t the only fruit that can help you beat the heat. In fact, many common fruits are made up of 80-90% water or more. Strawberries, for example, are about 91% water, and they offer a burst of vitamin C. Cantaloupe and honeydew melons rival watermelon with around 90% water content as well. Oranges and grapefruit, those juicy citrus fruits, are around 86-88% water – and as a bonus, they provide electrolytes like potassium. Peaches, pineapples, and apricots are other fruits good for hydration, each brimming with watery juice. Grapes are about 81% water. 

    In general, if a fruit is plump, juicy, or easily yields liquid when you bite into it, it’s likely a watery fruit that can help keep you hydrated. These fruits not only deliver water to your system but also supply natural sugars to give you quick energy and fibers that help you feel satisfied. 

    One perk of choosing hydrating fruits is that they often appeal to the appetite even when the heat might dull your desire for heavier foods. A cold slice of melon or a bowl of berries can be more enticing than a rich meal when the temperature soars. To maximize hydration from fruits, enjoy them raw and fresh – think fruit salads, smoothies, or just whole fruits eaten as snacks. 

    Freeze grapes or blend watermelon into a slushy for a cooling treat. By making fruit a part of every summer meal, you’ll naturally increase your fluid intake. The sugar in whole fruit comes with fiber and water, meaning it’s generally digested more slowly and hydrates you without the more extreme blood sugar spike you’d get from a sugary drink. But every body is different, and you should consult with a doctor who knows your unique health needs, particularly if you have metabolic concerns. 

    Passionate about nutrition and want to take a deeper dive? Learn all about hydration and nutrition in AFPA’s Master Level Nutrition Consultant Certification.

    Crisp and Cool: Water-Rich Vegetables 

    Vegetables can be just as impressive as fruits in the hydration department – in some cases, even more so. The vegetables for dehydration relief are typically the crisp, watery ones you might find in a summer salad or crudité platter. 

    Take the cucumber, for instance. Ever wondered what percentage of cucumber is water? It’s about 95% water (some sources say as high as 96%!). That makes cucumber one of the most hydrating foods on the planet. Crunching on a cool cucumber stick is almost like sipping water, and it comes with a pleasant crunch to boot. 

    Cucumbers are so water-based that they’ve earned the nickname “water vegetables.” Besides water, they also provide a little vitamin K and potassium, especially in the skin. Try adding cucumber slices to your drinking water for flavor, layering them in sandwiches, or mixing diced cucumber into yogurt with mint for a refreshing raita. It’s a perfect way to increase hydration while enjoying a tasty snack. 

    Lettuce is another unsung hero among foods with high water content. Iceberg lettuce, often maligned for being less nutrient-dense than darker greens, is actually over 95% water – basically a crunchy vehicle for hydration. Romaine lettuce isn’t far behind, at about 95% water as well. 

    So yes, that big summer salad full of lettuce, cucumber, and tomato is doing double duty: feeding you and hydrating you at the same time. Speaking of tomatoes, they clock in around 94% water. Bite into a ripe tomato and you can practically feel the juice hydrating your mouth. Cherry tomatoes make an easy hydrating snack on the go, and slices of tomato on your sandwich add moisture (and vitamin C). 

    Other water-based vegetables to put on your grocery list include celery (about 95% water), zucchini (around 94% water), radishes (95%), green bell peppers (94%), and even cauliflower and cabbage (both around 92% water). 

    These percentages aren’t just trivia – they explain why these veggies feel so light and crisp. For example, celery sticks or bell pepper strips on a hot day can be as thirst-quenching as a handful of grapes. They’re essentially solid water with bonus nutrients like folate and antioxidants. In fact, foods that hydrate you such as cucumber, lettuce, celery, and others are often referred to in nutrition guides as the “superstars” of water-rich foods. 

    To incorporate more of these hydrating vegetables into your summer diet, get creative with meal prep. Start lunch or dinner with a salad loaded with high-water-content veggies (cucumbers, lettuce, tomatoes, radishes, etc.). Swap out common sides for water-rich veggies – for example, serve dip with carrot and cucumber sticks instead of crackers. 

    Chilled soups like gazpacho or cucumber-yogurt soup are basically blended vegetables that you can sip, delivering hydration in a flavorful form. Even steaming or lightly sautéing vegetables retains much of their water (though you’ll lose a bit to cooking). The key is to have plenty of these water vegetables on hand, pre-washed and cut in your fridge, so they’re just as easy to grab as a bottled drink. By making veggies readily available, you might naturally eat more of them throughout the day, effortlessly boosting your hydration. 

    Master Level Nutrition Consultant Program Guide Cover

    Become an Expert Nutrition Coach at Your Own Pace

    Download your free guide now.

    Beyond Produce: Other Hydrating Foods and Drinks 

    Fruits and veggies steal the spotlight when we talk about hydrating foods, but they’re not the only options. Many other everyday foods have a high water content and can contribute to your fluid intake. For example, yogurt and cottage cheese are about 80-85% water, so a serving of yogurt at breakfast not only gives you protein and calcium but also a decent amount of water. 

    On a hot morning, a bowl of plain Greek yogurt topped with juicy berries (think hydrating fruits like strawberries or peaches) makes for a hydrating, nutritious start to the day. Smoothies are another fantastic way to drink your food – blend water-rich fruits (berries, melon, mango) with some yogurt or milk and ice, and you’ve got a hydrating snack or meal in a glass. Even milk itself is about 90% water and contains electrolytes, which is why research has found it can be as effective as sports drinks for rehydration in some cases. If dairy isn’t your thing, plant-based milks like almond or oat milk also contribute fluid. 

    Don’t underestimate the hydration power of soups and broths. A steaming bowl of soup might not be your first craving in summer, but you can opt for chilled versions like gazpacho or fruit soups. And even warm chicken broth can hit the spot. One of the traditional benefits of drinking chicken broth when you’re dehydrated (such as during illness or after intense sweating) is that it provides not only fluid but also sodium and other electrolytes. Those electrolytes help your body retain the water you drink and can alleviate symptoms of dehydration like headache or muscle cramps. 

    Sipping broth or eating soup replenishes salt losses and helps you get hydrated more effectively than water alone in certain situations. Just be mindful of soup’s temperature; if it’s very hot outside, a lukewarm broth or cooled soup may go down easier than a piping hot one. 

    Speaking of what to drink to stay hydrated, remember that plain water isn’t the only choice. Unsweetened herbal teas, iced or hot, are another great option. Coconut water (the liquid from inside young coconuts) has become a popular natural rehydration drink because it contains potassium and magnesium – it’s a refreshing option to rotate into your fluid plan. Even moderate amounts of coffee or tea contribute to hydration; contrary to myth, caffeinated drinks are not dehydrating when consumed in normal amounts. 

    In short, how to stay hydrated in summer comes down to a mix of smart drinking and smart eating. Make water your go-to beverage throughout the day, but bolster its effects with a diet rich in foods that help with hydration. By doing so, you’ll supply your body with water steadily and avoid dehydration symptoms. Plus, you get the other benefits of those foods – nutrients, fiber, and flavor – all of which support overall health. 

    Tips for Incorporating Hydrating Foods into Your Summer Diet 

    Knowing which foods and drinks can keep you hydrated is one thing; actually fitting them into your daily routine is another. The good news is it can be both simple and delicious. Here are some practical, how to stay hydrated tips using food: 

    • Start early: Begin your day with hydration in mind. Drink a glass of water upon waking, but also include a water-rich food at breakfast. For instance, have a bowl of oatmeal cooked with milk and top it with hydrating fruits like sliced peaches or berries. Or make a morning smoothie with spinach (yes, leafy greens contain water too), frozen fruit, and yogurt. This way, you front-load fluids and nutrients to start the day. 
    • Snack smart: Swap dry, salty snacks for fresh produce. Keep a container of cut-up watery fruits (watermelon cubes, pineapple chunks, orange slices) in the fridge for easy access. Baby carrots, cherry tomatoes, and cucumber sticks paired with hummus or a light dip are far more hydrating than crackers or chips. They’ll satisfy your crunch craving and supply water. If you feel like something sweet, frozen fruit pops (made 100% from fruit puree) or even just a cold apple can refresh you. 
    • Salad and soup fixes: Make it a goal to eat a salad or a vegetable-rich dish at least once a day. Remember those water-based vegetables – lettuce, cucumber, tomato, etc. – and load them up. Add juicy fruits to salads too; strawberries or citrus segments can turn a boring salad into a hydrating summer delight. When you need something more substantial, consider a broth-based soup with vegetables. Even in summer, a light vegetable soup or a chilled gazpacho can be a hydrating meal or starter. And if you’re feeling adventurous, try cold soups made from blended melon or cucumber; it might surprise you how well they cool you down. 
    • Hydrate when active: If you’re exercising or doing outdoor activities, plan for both food and drink. For example, after a sweaty tennis match or a long hike, munch on a piece of watermelon or a handful of grapes along with drinking water. The natural sugars in fruit can help speed up water absorption in your body, and the act of eating may encourage you to also drink more. Some athletes even swear by snacks like oranges or bananas during workouts for the hydration boost. Find what works for you – it could be as simple as packing an apple or some baby carrots in your bag when you know you’ll be out for a while. These foods that hydrate you can be real lifesavers on a hot day. 
    • Make it fun and flavorful: One reason people don’t drink enough water is that they find it boring. Hydrating foods can help by adding flavor and variety. But you can also jazz up your fluids with foods: try infusing your water pitcher with cucumber slices, lemon, and a sprig of mint, or drop in some berries for natural flavor. You might be surprised how much more you sip. Likewise, consider enjoying sparkling water with a splash of fruit juice, popsicles made from diluted juice, or hydrating food-packed smoothies.  

    “With so many versatile produce options this time of year, I make sure to bring a hydrating dish to any summertime festivity. We can all enjoy the celebration with a bit of extra hydration in our foods or drinks,” says Lunday. The takeaway is that increasing hydration doesn’t have to be a chore. By pairing water with tasty foods and making those foods readily available, you set yourself up for success. 

    Stay Cool and Hydrated with Food and Drink 

    Summer is a time to enjoy the outdoors, soak up the sun, and have fun – but it’s also a season when dehydration can sneak up on us if we’re not careful. Fortunately, staying hydrated can be a delicious endeavor. By embracing the most hydrating foods – from hydrating fruits like watermelon, oranges, and berries to water-rich vegetables like cucumber, lettuce, and zucchini – you give your body a steady supply of water throughout the day. These foods help you stay hydrated not just with fluid, but with nutrients that support your energy and health. 

    So, the next time you’re planning a menu or packing a snack for a day in the sun, think about how you can include some foods that help with hydration. Your body will thank you for it. Remember to drink water regularly, but also take advantage of summer’s bounty of hydrating produce. With the right balance of hydrating foods and fluids, you’ll stay refreshed, energized, and ready to make the most of the summer season. 

    Kellie Lunday

    Reviewed by

    Kellie Lunday, MS, RD, LD 

    Kellie Lunday is AFPA’s nutrition content lead and a registered dietitian with nearly a decade of experience in corporate wellness, health education, and performance optimization. She received her MS in Nutrition from Texas Woman’s University and completed her dietetic internship at The University of Texas in Austin. Previously, she has worked in various roles at Exos and the University of Texas at Austin. She is passionate about travel, global cuisines, fitness, and advancing consumer health through evidence-based education. 

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