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  • HP: How To Earn 0 A Month Ahead Of Q2 Earnings – HP (NYSE:HPQ)

    HP: How To Earn $500 A Month Ahead Of Q2 Earnings – HP (NYSE:HPQ)



    HP Inc. HPQ will release its second-quarter financial results after the closing bell on Wednesday, May 28.

    Analysts expect the Palo Alto, California-based company to report quarterly earnings at 80 cents per share, down from 82 cents per share in the year-ago period. HP projects quarterly revenue of $13.15 billion, compared to $12.80 billion a year earlier, according to data from Benzinga Pro.

    On May 21, Morgan Stanley analyst Erik Woodring maintained HP with an Equal-Weight rating. He also raised the price target from $25 to $29.

    With the recent buzz around HP, some investors may be eyeing potential gains from the company’s dividends. Currently, HP offers an annual dividend yield of 4.09% — a quarterly dividend of 29 per share ($1.158 a year).

    To figure out how to earn $500 monthly from HP, we start with the yearly target of $6,000 ($500 x 12 months).

    Next, we take this amount and divide it by HP’s $1.158 dividend: $6,000 / 1.158 = 5,181 shares.

    So, an investor would need to own approximately $146,830 worth of HP, or 5,181 shares to generate a monthly dividend income of $500.

    Assuming a more conservative goal of $100 monthly ($1,200 annually), we do the same calculation: $1,200 / $1.158 = 1,036 shares, or $29,360 to generate a monthly dividend income of $100.

    Note that dividend yield can change on a rolling basis, as the dividend payment and the stock price both fluctuate over time.

    The dividend yield is calculated by dividing the annual dividend payment by the current stock price. As the stock price changes, the dividend yield will also change.

    For example, if a stock pays an annual dividend of $2 and its current price is $50, its dividend yield would be 4%. However, if the stock price increases to $60, the dividend yield would decrease to 3.33% ($2/$60).

    Conversely, if the stock price decreases to $40, the dividend yield would increase to 5% ($2/$40).

    Further, the dividend payment itself can also change over time, which can also impact the dividend yield. If a company increases its dividend payment, the dividend yield will increase even if the stock price remains the same. Similarly, if a company decreases its dividend payment, the dividend yield will decrease.

    HPQ Price Action: Shares of HP gained by 1.3% to close at $28.34 on Tuesday.

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    Image: Shutterstock

  • Cheryl Reeve isn’t saying if she’ll continue as the Team USA coach as 2028 Olympics loom

    Cheryl Reeve isn’t saying if she’ll continue as the Team USA coach as 2028 Olympics loom


    MINNEAPOLIS — When Sue Bird was appointed as the Managing Director for the U.S. women’s national basketball team earlier this month, Cheryl Reeve reached out to congratulate her.

    Reeve, the 58-year-old longtime coach of the WNBA’s Minnesota Lynx, coached Team USA to its 10th Olympic gold medal last summer in Paris, France.

    “I was thrilled for USA Basketball to appoint Sue to the position, and I thought the timing of it was great,” Reeve said last week before the Lynx played the Dallas Wings. “The evolution — you know, it’s hard to change something. It’s been so successful for so many years. And so, I give leadership, General (Martin) Dempsey, (CEO) Jim Tooley, just a lot of credit for that decision.”

    But beyond that, Reeve says she and Bird haven’t talked about anything else, such as, if Reeve will continue to be the head coach of the senior national team.

    “I congratulated Sue, and that’s been the extent of our conversation,” Reeve said when asked by SB Nation if she planned to coach the team in 2026 or 2028.

    And so, with the FIBA World Cup approaching in about a year, and the next Summer Games on U.S. soil looming in 2028, it’s unclear who the next coach of the ultra successful U.S. women’s basketball team will be.

    At her introductory press conference on May 8, Bird — who won five Olympic gold medals while representing Team USA as a player — identified “choosing a coach” for the 2026 World Cup in Berlin as one of her top priorities.

    “There’s no specific timeline on that, but obviously that is super important,” Bird said. “And then once that’s done, choosing the larger staff.”

    Based on the history of the U.S. national team, it wouldn’t be stunning if Reeve doesn’t continue on as head coach. Really, it would only be surprising if she is indeed standing on the sidelines in Los Angeles when the Summer Games begin in 2028. Beginning with Billy Moore in the 1970s, only one of the 11 coaches to lead the national team have coached in multiple Olympics: Geno Auriemma. Though, it’s worth noting that Pat Summitt would have likely been the coach for the 1980 team too had the U.S. not withdrawn from the games in Moscow. Instead, her lone Olympic coaching stint came in 1984, when the U.S. won the gold for the first time.

    Every other coach that has led the national team has typically coached for just one cycle that includes a World Cup and an Olympics. That group includes Kay Yow, Theresa Grentz, Tara VanDerveer, Nell Fortner, Van Chancellor, Anne Donovan and Dawn Staley.

    Should Reeve remain the coach, she would join Auriemma as the only two people to coach the women’s national team in multiple Olympics.

    Tooley told the Associated Press that Bird’s term for managing director is for four years. She’ll have a major say in what the roster looks like and who the coach is for the World Cup and Olympics.

    “Of course I’ve started to think about it, jotting some names down here and there,” Bird told the AP of choosing the next coach. “It’s the first priority without a doubt. There are so many qualified coaches in college and the WNBA.”

    Should Bird not decide to retain Reeve as the coach of the national team, one possible and seemingly logical successor could be Kara Lawson.

    The head coach of the Duke Blue Devils has a long history with and deep ties to Team USA. She won a gold medal as a player in 2008 — playing alongside Bird — and coached the Americans to an Olympic gold in 3×3 basketball at the 2021 Olympics in Tokyo. Lawson was also an assistant coach on Reeve’s Team USA staff last summer and was the lead scout for the gold medal game against France. Additionally, she has already been appointed as the head coach of Team USA for the FIBA AmeriCup this summer in Chile.

    Lawson coached the Blue Devils to an ACC Championship this season, her fifth at Duke, and guided the team to its first Elite Eight appearance since 2013. It’s also worth noting that Duke athletic director Nina King was appointed to the USA Basketball Board of Directors for a term that runs through 2028.

    The next FIBA Women’s World Cup begins on Sept. 4, 2026, in Berlin, Germany.

  • Legal malpractice insurance renewal guide

    Legal malpractice insurance renewal guide


    The answer: it depends. While many believe that insurance is a “set-and-forget” type of investment, that isn’t always the case. Depending on your area of practice, location, and more uncontrollable factors, your insurance coverage may go “out of date” sooner than you think. That is, if you aren’t setting up a proactive legal malpractice insurance renewal.

    It’s imperative that once you get an insurance policy as a legal practitioner, you don’t sleep on staying in the know about your coverage. Getting a legal malpractice insurance renewal done proactively, and beyond the standard annual renewal period, can expose potential pitfalls and new advantages.

    But while that all sounds fine and good, you may be thinking to yourself, “How am I going to find the time to check in on my policies so frequently? I’m a lawyer! I have a lot to do!” And, you’d be right. In this article, we’ll go through the reasons why it’s important for you to check in on your policies more frequently, and how to make the process as painless as possible.

    Why do I need to keep legal malpractice coverage up-to-date?

    Legal malpractice coverage, also known as lawyers’ professional liability insurance or errors and omissions insurance, protects attorneys and law firms from financial losses and reputational damage stemming from claims of negligent legal advice or actions. 

    Social inflation has become the main growth driver of US liability claims, according to Swiss Re Institute‘s new Social Inflation Index. Primarily due to a rising number of large court verdicts, social inflation increased liability claims in the US by 57% in the past decade. So, consistently ensuring that your policy limits will cover all of your potential expenses is vital. No one wants to be underinsured.

    Beyond the financial, there are some reasons why you may be legally required to keep your malpractice insurance coverage up-to-date: 

    • Clients may require their legal counsel to maintain a specific coverage limit in order to act as their representation 
    • Depending on your state, you may be legally required to disclose your insurance coverage status to the government as well as to your clients

    There are also other reasons why you should keep your LPL coverage up-to-date:

    • Peace of mind: Working as an attorney or running your own firm comes with enough stress as is, you don’t need another thing keeping you up at night. Knowing you have adequate financial protection against potential professional liability claims can be one less thing to worry about.
    • Uncover potential gaps in your current coverage in advance of making a claim and finding out the hard way. Especially as new circumstances and risks emerge and evolve, you or your business may encounter an issue that your policy doesn’t, or never did, cover.

    How often do I really need to review my policy?

    An insurance renewal is the process in which an insurance policy is extended for another term, typically under similar or the same conditions as the original policy. This typically occurs for the same duration as the original policy term.

    While annual renewals are standard, waiting for them to address significant changes or emerging risks can leave you and your firm vulnerable. In life — and in practicing law — things are always changing and evolving, making the need for a more agile approach to insurance a must-have. 

    While the standard review cycle is yearly, it may be wise to check in on your coverages at the halfway point if possible. As well, if you experience significant changes at your firm, it’s probably a good time to review. We’ll go over a few of those potential changes below.

    There are some changes within a law firm that could immediately prompt a legal malpractice insurance renewal. It’s easy to assume your current policy still covers all your needs, but changes in your role or responsibilities might introduce new risks that your old policy doesn’t address. 

    Here are some changes that could prompt a review of your current policies:

    1. Significant changes in staffing 

    If your firm has recently hired a large number of new attorneys or let go of a number of staff, you should take a look at your current policy and ensure it still covers what you need. Further, an increased reliance on “of counsel” contract attorneys may also require some changes in your coverage plan. As well, the departure of key partners may also be cause for a policy review.

    Solution: Having a policy with a broad definition of “Insured.” If your policy doesn’t specify exactly how many staff are employed by your firm, you may not be required to amend your policy in this circumstance. However, review your policy to ensure that this is the case.

    2. Insurance policies and regulations change

    Insurance policies and regulations change to adapt to evolving risks, protect coverage holders, and ensure financial stability within the industry. It’s important to stay informed about any modifications to your policy to avoid misunderstandings or gaps in coverage, it’s not uncommon for regulations to change and you may need to adjust your coverage in turn. 

    Solution: Your insurance company will notify you of these changes ahead of time. If there are anticipated or known changes in the terms of your coverage, you will receive a conditional legal malpractice insurance renewal notice.

    3. You have changed practice areas 

    Regularly reviewing your policies helps ensure compliance with relevant regulations and industry standards, especially in the circumstance that you change your practice area. Perhaps you are entering a new, higher-risk practice area or scaling back other practice areas. These changes can impact your coverage and the cost associated with it. 

    Solution: Handle this at your next legal malpractice insurance renewal. Your insurance policy is signed in the previous year for a year’s worth of activities. You can reach out to your insurance provider, but it will not adjust costs or coverage until your yearly renewal date.

    4. Changes in your firm’s business operations or structure

    Similarly, if your business location has changed or if you are opening locations in new jurisdictions, you’ll need to update your policy to reflect those changes. Firm ownership or beneficiary designation changes should also be considered. As well as expanding to hybrid work models, mergers or new partnerships would also merit an update to your policy. Additionally branching out to pro bono or contract work outside of your regular role and responsibilities should also prompt a coverage review. Being underinsured or having inadequate coverage due to changes in your firm’s place of business or overall structure can leave you vulnerable to unexpected losses.

    Solution: All of these changes, including relocations, mergers and acquisitions and more, are all changes that can be made mid-term. These changes should be reported to your insurance provider. It may not change the cost of your policy at the time, but it can be noted for an upcoming legal malpractice insurance renewal.

    5. Changes in your professional financial health or client portfolio 

    Life changes, such as starting a new business, changing positions, or buying a new property, can affect your insurance needs. Similarly, business changes, like expanding operations or introducing new services, can bring new risks. Substantial growth or reduction in revenue may also merit a change in coverage. Be sure to take note of developments as they arise and check in with your insurance agent if you’re not sure if these new circumstances could impact your policy. 

    Solution: Talk with your insurance agent. If you are concerned that a change to your business might negatively impact your coverage, or worse, that you may no longer be covered, your insurance agent can help clarify.

    How do I proactively review my legal malpractice insurance?

    It is good practice to periodically review your existing professional liability policy before a claim is made to confirm that the policy provides coverage that meets your needs. Further, if no claims have been made and no changes have taken place on your end, twice a year is a safe benchmark for policy reviews. The midyear review will allow for an opportunity to refresh your memory, look at industry changes, and start thinking about what you may need to update or change in advance of your legal malpractice insurance renewal date. 

    Ready to start your review? Here’s how to better understand your insurance coverage: 

    Review your coverage by following these five simple steps: 

    1. Refresh your memory on key terminology including terms like premium, deductible and wrongful act. Grasping the full definitions of these words and others will ensure your review is comprehensive.
    2. Get started by looking at your policy’s declarations page. The declaration page summarizes your policy which can make it easier to brush up on your coverage without having to read the entire policy document.
    3. You’ve read the summary, now it’s time to read the fine print. Be sure to take a look at any insuring agreements and exclusions. 
    4. Finally, you can assess what options you have for renewal. Do you want to change providers? Do you want to add or omit coverage? You should feel equipped to answer these questions once you’ve completed your review. However, if you are still unsure, now is the time to tap into your agent for guidance. 

    It’s also important to note that not all insurance policies automatically renew and you may need to be an active participant in your renewal. While insurers are required to send a notice of upcoming renewal, it is important to be prepared with questions on your current and potentially changed coverage. So, mark your calendar.

    If there’s a gap between the expiration and your new policy’s effective date, you may not have insurance coverage for that time because insurers are generally not required to back-date to close the gap. 

    The early bird benefits of midyear policy reviews 

    Changes in business operations or the legal landscape in general can make your existing policy inadequate. Regularly reviewing and updating your policy ensures it remains aligned with your current needs and helps you avoid costly gaps in coverage. 

    There’s more to gain than lose with a midyear policy review.

    Knowing your insurance coverage is up-to-date and tailored to your specific needs provides peace of mind, especially in case of unexpected events. Proactively setting up a legal malpractice insurance renewal beyond the standard annual renewal is crucial for maintaining adequate protection and mitigating potential risks. 

    If you’ve completed your review and are looking for an insurance provider that understands law firms and their needs, get a quote and get started on your legal malpractice insurance renewal journey with Embroker today.

     

     

  • The Financial Advice Boomers Swear By That’s Keeping Millennials Broke

    The Financial Advice Boomers Swear By That’s Keeping Millennials Broke


    The Financial Advice Boomers Swear By That’s Keeping Millennials Broke
    Image source: Unsplash

    There was a time when the classic money rules made sense—buy a house young, avoid debt at all costs, stick to one job until retirement, and you’ll be set. That time was several decades ago. Yet many Baby Boomers continue to hand down this advice with the confidence of people who lived through a very different economy. Meanwhile, Millennials, saddled with student debt, sky-high rent, and stagnant wages, find themselves wondering why these time-tested strategies are failing them.

    The problem isn’t that Boomers want to lead Millennials astray. Quite the opposite: they believe they’re offering wisdom. But the financial system they succeeded in no longer exists. Housing isn’t affordable. Jobs aren’t stable. Education doesn’t guarantee economic mobility. In fact, some of the most common boomer-era money principles are now dangerously out of touch with economic reality.

    So what happens when you try to play by outdated rules in a rigged game? You lose and often feel like it’s your fault. Let’s break down the most harmful advice Millennials are still hearing and why it’s time to rewrite the rules.

    Financial Advice That Needs to Go

    “Buy a House as Soon as You Can” Isn’t Always Smart Advice Anymore

    For Baby Boomers, buying a home was the ultimate goal and a reasonably attainable one. Real estate prices were lower relative to income, down payments were manageable, and mortgage interest rates often came with substantial tax advantages. Fast forward to today, and the path to homeownership looks more like a maze with booby traps.

    Millennials face record-high home prices, stricter lending standards, and urban housing markets where buying requires six-figure incomes or massive inheritances. Add in student loans, inflation, and rising insurance premiums, and it’s clear that rushing to buy a home isn’t always a financially sound move.

    In many cases, renting is the smarter choice, especially when it comes with flexibility, lower upfront costs, and no surprise repair bills. The belief that renting is “throwing money away” simply doesn’t hold up when homes are overvalued, and ownership costs can crush an already tight budget.

    “Stick With One Job for 30 Years” Is a Recipe for Stagnation

    Loyalty used to be a two-way street. Boomers who stayed with a company long-term were often rewarded with pensions, promotions, and job security. But for Millennials, staying put can mean falling behind.

    Today’s job market rewards agility, not tenure. Career advancement often happens through lateral moves, strategic job hopping, or gig-based entrepreneurship, not waiting patiently for a promotion that may never come. Worse, sticking with one employer can mean missing out on market-value pay raises, especially in industries where raises barely outpace inflation.

    Millennials who follow the “stay loyal” advice often find themselves underpaid and overworked, while their peers who switch jobs every few years see exponential income growth. In today’s world, loyalty should be earned, not assumed.

    “Cut the Lattes” Isn’t Going to Save You from a Broken System

    The infamous avocado toast and latte shaming? It’s financial gaslighting. The idea that Millennials are broke because of minor indulgences is not only wrong. It’s insulting. For Boomers, small savings may have added up to something meaningful. But Millennials are fighting much bigger budget battles.

    Wages haven’t kept pace with inflation. Healthcare costs have skyrocketed. Rent eats up over 30% of income in most cities. Student loans are a monthly fixture. In this environment, cutting out coffee won’t solve the problem. Rethinking the entire system might.

    Millennials aren’t financially irresponsible because they enjoy takeout now and then. They’re navigating a far more punishing economy, one where the cost of living has soared without a comparable increase in financial opportunity. Shaming them for $5 decisions ignores the systemic $500 problems.

    saving flat lay, money, saving money
    Image source: Unsplash

    “Debt Is Always Bad” Leaves No Room for Strategy

    Boomers grew up in a world where credit was scarce, interest rates were volatile, and debt often spelled disaster. So, their instinct to avoid debt at all costs is understandable but unhelpful in a modern context.

    Millennials live in an economy where strategic use of debt is not just common but often necessary. Few people can afford higher education, housing, or even emergency expenses without borrowing. When used responsibly, debt can be a tool, not just a trap.

    The key is understanding how to manage debt: knowing when to borrow, how to shop for rates, and how to prioritize repayment. Blanket fear of all debt leads people to avoid building credit, miss investment opportunities, or get blindsided when emergencies hit. Financial literacy (not financial avoidance) is the real protection.

    “You’ll Regret Not Having Kids By 30” Ignores Economic Reality

    Another subtle piece of advice Millennials often hear from older relatives is about starting families “before it’s too late.” While it may come from a place of love, this pressure completely disregards financial reality.

    Raising a child today costs hundreds of thousands of dollars from birth to 18, and that’s not including college. Daycare can rival rent in many cities. And paid parental leave is still not guaranteed in the U.S. For Boomers, starting a family young was financially possible. For Millennials, it can feel like a decision between survival and stability. Choosing to delay parenthood or skip it altogether is often the result of careful economic planning, not selfishness.

    “Retire Early by Saving Aggressively” Isn’t Possible for Everyone

    The FIRE (Financial Independence, Retire Early) movement may sound empowering, but even that concept has its roots in advice that assumes a level of privilege Boomers once enjoyed. Many Millennials struggle just to make ends meet, let alone max out retirement accounts or buy investment properties on the side.

    Even when saving is possible, the idea of early retirement feels like a fantasy for those burdened by stagnant wages and heavy debt. Millennials need realistic strategies for financial resilience, not shame for not stashing away 25% of their income by age 30.

    The better advice? Save consistently, automate where you can, and build flexibility into your plans. Retirement might not come at 50, but that doesn’t mean you can’t build a life you enjoy long before then.

    So What Should Millennials Do Instead?

    The first step is to let go of shame. You’re not failing because you’re not following the rules. You’re failing because the rules changed, and no one told you.

    Next, build your own framework based on today’s reality. That includes:

    • Prioritizing financial literacy over rigid rules

    • Using tools like high-yield savings accounts and ETFs to grow wealth gradually

    • Saying no to homeownership pressure if it doesn’t fit your situation

    • Leveraging job changes and remote work to increase income

    • Learning the mechanics of credit rather than avoiding it entirely

    Perhaps most importantly, Millennials should lean into community—sharing information, collaborating on housing, pooling resources, and unlearning harmful money myths together.

    What outdated financial advice have you received that just doesn’t work today? How are you rewriting your own money rules?

    Read More:

    Why Many Millennials Will Die With Debt—And Be Blamed for It

    7 Reasons Millennials Are Choosing to Rent Forever—And Loving It

  • SSD25 Winners

    SSD25 Winners


    Our team is continuously impressed by our LSF community. All the women in this community worked their butts off for 8 weeks and we’re so proud of each and every one of you! 

    Thank you for pushing yourselves and our community to be the best we can be! 

    Time to shout out our Spring Slim Down 2025 winners! These inspiring women, not only have incredible transformation photos but have the most amazing stories!

    GRAND PRIZE WINNER

    Toni Scott (

    @toni.scott_lsf
    )

    Total pounds lost: 12

    Story:

    “Honestly, I almost didn’t submit my story because I wasn’t 100% “perfect” during the challenge. But then I realized, “Well, that’s the point, right?” Life isn’t going to be perfect all the time, and neither are we. It’s during these imperfect moments that we need to bounce back and stick to the foundations.


    I started off strong, but around the 6th week of the challenge, I had to undergo unexpected surgery, which took me out for the remainder of the challenge. Despite the roadblocks, I stuck to the foundations of the LSF HBMP and am now 12 pounds lighter and a total of 12.5 inches smaller! If you take anything from my story, let it be this: don’t let one small hiccup ruin your entire journey! I could have thrown in the towel and given up, but I didn’t, and the results are beyond amazing. You don’t have to be 100% perfect to see results.

    The “old me” would have given up the moment I had surgery, thinking, “Screw it, I can’t be 100% perfect, so what’s the point?” But I realized that LSF isn’t just another diet or fad—it’s truly a lifestyle, and a maintainable one at that! These past 8 weeks have proven that to me and hopefully to everyone following my journey on Instagram. I have never felt (or looked) better, and the confidence I now have is priceless.

    Thank you, Team LSF, for empowering women like me to rediscover their strength, confidence, and joy and knowing that even through the hard times in life I can still keep going.”


    RUNNER UP WINNER

    Cheryl Motak (

    @lifebycheryll
    )

    Total pounds lost: 8

    Story:

    “The last three years have been life changing for me. I started a family, and now have two wonderful babies, a two and a half year old and a nine month old. As my family has grown, so has my body. I’ve grown babies, but also added on a significant amount of weight. After having my daughter, I really struggled with losing weight and maintained about 15lbs more than what I started with. After my son, I just added to what I had already gained, but this time I wanted to stop looking at weight loss as a one time goal, but rather a forever lifestyle that could be maintained. I lost 8 lbs during this challenge and am now below my prepregnancy weight for my son!!

    But, that’s not what’s most significant to me. In addition to my before and after pictures for this challenge, I have a before and after mindset. Before I thought, if I don’t stick to my plan, I’m a failure. I might as well restart tomorrow. After I think, if I dont stick to my plan it’s OK, I’m human! I might as well find joy in the moment because I’m still on my journey!

    To me this challenge wasn’t about being perfect (although hello 55 day app workout streak!), it was about having the discipline to push myself and stay consistent while having the grace to accept when things aren’t “perfect”. There were days where I didnt have the energy to go all in, but I still found a way to move in the moment and give what I could. There were days when I enjoyed an ice cream with my daughter, but I still made sure I achieved my protein goals and made a veggie with every meal. I’m so proud of what I’ve accomplished in the last 8 weeks, but more importantly, I’m proud of the framework I’ve set up to continue achieving my goals and become the best version and role model of myself for my kids and husband!


    RUNNER UP WINNER

    Kennedy (@Kennedy_lsf)

    Total pounds lost: 8

    Story:

    SSD was an eye opening challenge for me because it was my first 8 week challenge back to the LSF community. I had to sit down with myself and evaluate what was holding me back from being happy in my skin and really try with my nutrition. I cut out excessive alcohol and tried to be cognizant of what calories were going in and coming out! I 1000% upped my activity with the bonus moves, app workouts, and walking every day at least a mile at work or with my dog. I stopped making excuses and started to dig into my discipline reserve, something that has not been used in a LONG time.

    One huge change that I implemented this challenge was actually joining an accountability group. It was nice to see other women going through the same things that I was with scheduling and feeling burnt out, etc. but we kept showing up for ourselves! Very inspiring! I tried new exercise techniques and fell in love with moving my body again for 20-30 mins to improve not only my physical appearance, but boost mental cognition and mood! I am a full love sweat fitness believer since 2019 and you guys just keep impressing me with the quality and quantity of challenges to keep us motivated and looking our best.”


    PINK HEART RECIPIENT

    Allison (
    @Allison.fit.lsf
    )

    Community Shoutouts:

    • “@allison.lsf was always a great a great cheerleader” – Cheryl

    • “My accountability group was just everything. Shoutout to @angelaciams_lsf @samrand.lsf and @shannon.lsf !! This was just the most intimate group ever, we were so vulnerable and I just feel so connected to them. I also have to mention Allison (@allison.fit.lsf) and Ellinor (@ellinor_lsf) who were not part of my group, but constantly messaged me and encouraged me! I truly feel like we are all friends!!” – Camila

     



  • FreshBooks

    FreshBooks


    This post may contain affiliate links which means I receive a small commission at no cost to you when you make a purchase.

    Freshbooks is an accounting software that was founded in Canada in 2003. It started out as an invoicing software that has expanded hugely over the years. It is now a double entry accounting system for sole traders and small businesses.

    Freshbooks provides all the basic accounting functions – invoicing, bills and bank statement imports. There are too many features to list and a whole app centre with options that integrates to help book appointments, manage projects and time etc. It is a super easy to use software. You can try Freshbooks free for 30 days, which includes all features except advance payments so you will get a good idea of how easy it is to use. Once your 30 day trial is over you will need to select the plan that best suits your need. Check the pricing diagram below to see the features that each plan has.

    FreshBooks, a cloud-based accounting software provider, announced today that it is expanding its invoicing software offering to meet the needs of New Zealand small businesses. This includes the creation of a new starter plan and competitive pricing packages with unique pricing, set in NZ currency.

    “FreshBooks recognizes the depth and breadth of small businesses across New Zealand. We’re excited to help local owners impress their clients and get paid faster with our competitive new starter plan and invoicing software,” said Dragana Ljubisavljevic, SVP of International Markets at FreshBooks. “FreshBooks is listening to the passionate small business owners in New Zealand by making it easier for them to digitize their invoicing.”

    The expansion in New Zealand arrives as small business owners look for invoicing software that is intuitive and simple to use. FreshBooks is different because it’s built exclusively for small businesses, making it easier to stay on top of invoicing. The company’s new starter plan in New Zealand lets businesses:

    • Send 2 invoices per month to up to 2 clients

    • Collect online payments without invoicing

    • Track unlimited expenses

    • Get paid with credit cards via Stripe & PayPal

    • Access their account from anywhere on iOS and Android devices

    As you can see the pricing is really good and there is currently 70% off for 3 Months which makes its really cheap to try especially if you are just starting out in business. How many clients you have will determine the subscription that you need. With plans starting from $5 and 4 plans available you can easily upgrade to the next package as your business expands. The software is created for freelancers, sole traders and businesses with contractors or employees.

    They also have a global support team that you can phone if you need help. I know this can be a big problem with some software and you just really need to pick up the phone and speak to someone. The support team is available from Tuesday – Saturday 2am – 2pm NZ time as they work on Canadian hours.

    So if you are looking for a new software or just starting out check out FreshBooks and see if one of their plans suits your needs and budget.

  • Olive Oil vs. Vegetable Oil vs. Butter

    Olive Oil vs. Vegetable Oil vs. Butter


    Are vegetable and seed oils “toxic”?!

    From TikTok to bestseller lists, vegetable oils—a.k.a. “seed oils”—are a big topic right now.

    To be fair, folks have debated the merits of vegetable oils dating back to when they first entered the marketplace.

    More recently, however, with the advent of the carnivore diet, vegetable oil hate has roared back into the socials. Maybe you’ve come across posts that refer to these cooking oils as “toxic sludge,” “motor oil,” “the hateful eight,” and “the biggest cause of chronic disease that nobody knows about.”

    The anti-vegetable oil logic goes something like this…

    Animal fats have been with humans for thousands of years. Vegetable fats, on the other hand, were invented during the last century when profit-seeking companies wanted to find a way to sell cheap-to-grow foods to unsuspecting consumers.

    Another argument: Like margarine, vegetable oils were marketed as healthier alternatives for butter, and yet, people argue, these oils are worse than butter, raising your risk for obesity, anxiety, depression, ulcerative colitis, and more.

    In contrast to the above line of thought, other experts will tell you that vegetable oils are harmless, potentially even health-promoting—and absolutely better than butter.

    So, who’s right?

    Like so many nutrition topics, the truth is too nuanced to fit on a meme.

    In this story, we’ll help you sort the science from the pseudoscience so you can make informed decisions about the oils you choose to include in your diet.

    What are vegetable oils?

    Sometimes called “seed oils,” vegetable oils start, as you might suspect, from the seed of a plant. The most common ones you’ll find in a typical grocery aisle include:

    • Canola oil
    • Corn oil
    • Safflower oil
    • Sesame oil
    • Sunflower oil
    • Soybean oil
    • Grapeseed oil

    By the way, if you feel like there’s a bunch of oils missing from that list, it’s probably because those oils come from non-seed plants (such as olive, avocado, palm, or coconut oil, which all come from fruits, and aren’t considered vegetable or seed oils).

    How are vegetable oils processed?

    Non-vegetable oils—such as olive and avocado oil—are derived from naturally fatty foods. In fact, olives are so oily that you could theoretically make your own olive oil at home. (Just Google “how to make olive oil from scratch,” and you’ll find a number of videos walking you through the steps.)

    The same can’t be said of most vegetable oils, which mostly come from foods with a relatively tiny fat content to begin with.

    Case in point: A cup of green olives contains about 20 grams of fat,1 whereas a cup of corn has 2 grams.2

    As a result, manufacturers must use an extensive multi-step process to extract this small amount of oil from these non-oily foods. These steps include:

    • Crushing: A machine uses high pressure to press oil from the seeds.
    • Refining: The seeds are heated with a solvent, such as hexane, to extract more oil.
    • Deodorizing: To create a neutral taste and remove unwanted compounds, the extracted oil is then cooked at 400 F (204 C) for several hours.

    During this process, health-promoting polyphenols and other stabilizing nutrients are lost, and small amounts of unsaturated fats are transformed into trans fatty acids (also called partially hydrogenated fat).

    (Interesting fact: This also happens during deep frying. When vegetable oils sizzle in a restaurant’s deep fryer for hours, the trans fat content of the oil increases.)

    To call these processed oils “toxic” might be an exaggeration. However, nutrition scientists generally agree that people should avoid trans fats in the diet, and in 2018, the Food and Drug Administration banned manufacturers from adding trans fats to processed foods.3 4

    What cooking oils should you eat?

    At PN, we’ve created several visual guides people can use to make informed decisions about what to eat.

    (We’ve also created a shopping list, which you or your clients can print out and take to the grocery store. Check it out: Healthy Fats Shopping List)

    In these guides, we’ve placed a few vegetable oils—expeller-pressed canola oil, high-oleic sunflower, and safflower oils—in the “Eat Some” section. For us, “eat some” is another way of saying that these foods will neither improve health nor harm health—when consumed in reasonable amounts. In some cases, like in the example of dark chocolate, when consumed in small amounts, they might even improve health.

    The rest of the vegetable oils, along with butter and other saturated fats, fall into the “Eat Less” category, as the image below shows. You’ll find vegetable oils in bold.

    An infographic showing dietary recommendations for different cooking oils and fats, divided into three categories: 'EAT MORE' (including extra virgin olive oil, walnut oil, and avocado oil), 'EAT SOME' (including various oils like flaxseed and coconut), and 'EAT LESS' (including butter, margarine, and various processed oils).

    We’ve gotten hate mail from folks who say certain vegetable oils—especially cold-pressed canola oil—should appear alongside olive oil in the “eat more” category. Plenty of others say all vegetable oils belong in the “eat less” column, and that butter belongs in “eat some” or even “eat more.”

    To understand the scientific reasoning behind our recommendations, let’s explore some head-to-head matchups.

    Extra-virgin olive oil vs. expeller-pressed canola oil

    These oils are the least refined of their kind.

    To make extra virgin olive oil (EVOO), manufacturers grind and mechanically press olives, without using any heat. Similarly, expeller-pressed canola oil is made by mechanically pressing rapeseed, without the use of heat or chemical solvents.

    🟢 The case for extra virgin olive oil (EVOO)

    Olive oil is richer in heart-healthy monounsaturated fatty acids (MUFAs) than almost any other cooking oil.

    In addition, unlike the more refined “light” olive oil, EVOO maintains most of the olive fruit’s original polyphenols. These plant-based substances help to combat inflammation and protect cells from damage.

    Perhaps most importantly…

    More studies vouch for EVOO’s health-promoting qualities than for any other cooking fat.

    For example, researchers asked 22,892 adults from Southern Italy to self-report their olive oil consumption. People who consumed the most olive oil (more than two tablespoons a day) were 20 percent less likely to die over the 13-year study than people who consumed the least olive oil (less than one tablespoon a day).5

    Other research has linked the consumption of olive oil with a reduced risk of:

    • High blood pressure6
    • Heart disease
    • Type 2 diabetes7
    • Dementia8
    • Cancer9

    Consumption of olive oil is also associated with reductions in LDL cholesterol, especially when used to replace saturated fats like butter and coconut oil.10

    Smoke point: Should you avoid cooking with olive oil?

    Years ago, culinary experts recommended using EVOO only on salads and other uncooked foods. Back then, they assumed EVOO’s relatively low smoke point (350 to 410F) meant the oil would break down when heated, losing some of its distinctive flavor and health benefits.

    We now know that smoke point isn’t as big a deal as previously thought.

    That’s especially true in the case of EVOO, whose polyphenols and high concentrations of monounsaturated fats help keep the oil stable when heated.

    In research that heated a variety of cooking oils to 464 F (240C) and then held them at 356 F (180C) for several hours, EVOO remained more stable than any other oil tested, including canola oil.11

    🟡 The case for expeller-pressed canola oil

    One of the more affordable cooking oils on the shelf, canola oil, is made from a Canadian-made hybrid of the rapeseed plant.

    (The word “canola” refers to the first three letters of “Canada” with a fun “ola” added to the end for marketing purposes.)12

    Among vegetable oils, canola is the richest in heart-healthy monounsaturated fats (though several non-vegetable oils have it beat) as well as alpha-linolenic acid, a plant-based omega-3 fatty acid.

    In addition, canola oil contains plant substances called phytosterols that help influence blood cholesterol for the better, especially when used as a substitute for butter, research has found.13 14 15

    The winner

    Extra virgin olive oil is the clear winner.

    The body of research in support of EVOO dwarfs the body of research in support of expeller-pressed canola.

    In addition, EVOO has a more favorable fatty acid profile. By the way, so does avocado oil, which is why you’ll also find it in the “eat more” column.

    However, you can buy roughly twice as much expeller-pressed canola oil for half as much money as EVOO. Because of this, expeller-pressed canola can be a good budget-friendly choice. In addition, because of expeller-pressed canola’s more neutral flavor, many people prefer it over EVOO for baking.

    When used in moderation, expeller-pressed canola can be part of a healthy diet. It is likely to be at least health neutral, if not somewhat health beneficial.

    Expeller-pressed canola oil vs. refined canola oil

    This match-up comes down to how processing methods affect the end product.

    🟡 Expeller-pressed canola oil

    An expeller press is a machine that squeezes oil out of seeds.

    It’s able to do this without the use of solvents or heat, which helps preserve beneficial compounds such as alpha-linolenic acid and phytosterols.

    🔴 Refined canola oil

    Refining removes some protective alpha-linoleic acid while adding small amounts of unhealthy trans fatty acids. This results in a product that is proportionally lower in omega-3 fatty acids and higher in omega-6 fatty acids.

    The winner

    Expeller-pressed canola oil wins, but only by a small margin.

    That’s because canola oil starts with a less controversial fatty acid profile than many other vegetable oils, as the chart below shows. Soybean oil, for example, has less heart-healthy monounsaturated fat and much more theoretically inflammation-contributing omega-6 fat.

    A chart titled 'Fatty Acid Ratios of Various Cooking Fats' comparing the percentages of different fatty acids (monounsaturated, polyunsaturated, omega-3, omega-6, and saturated) across six types of fats: extra virgin olive oil, avocado oil, walnut oil, canola oil, soybean oil, and butter.

    Are omega 6 fatty acids “inflammatory?”

    The typical American consumes around 16 to 20 times more omega-6 fats than omega-3s.

    This imbalance could theoretically increase inflammation in your body, potentially raising your risk for diabetes, obesity, and other health problems, argue some experts.16

    Years ago, the recommendation to balance your omega 6s with omega 3s was widespread. (The suggested “ideal” ratio: Anywhere from 1:1 to 4:1, in favor of omega 6s.)

    These days, there’s more debate among nutritional scientists as to whether this imbalance contributes to chronic inflammation, especially when those omega 6s are consumed in whole foods that contain many other beneficial compounds.

    For example, nuts and seeds—both naturally rich in omega-6 fats—have been associated with a range of health benefits, including reductions in blood cholesterol and inflammation.17 18

    In 2019, Harvard Health ran the headline “No need to avoid healthy omega-6 fats.” In support of their argument, a 2019 study from the American Heart Association journal Circulation determined that, if anything, the consumption of omega-6 fats reduced the risk for stroke, heart disease, and early death.19

    However, while nuts and refined canola oil may share a somewhat similar fatty acid profile, the two foods differ in one important way. As we mentioned earlier, refined canola oil is basically pure oil. Meanwhile, nuts and seeds come packaged with health-protective fiber, polyphenols, protein, vitamins, and minerals.

    Minimally-processed foods, like nuts or extra virgin oils, include a complex matrix of health-promoting nutrients. Highly-processed oils, on the other hand, have lost the vast majority of those healthful compounds, leaving mostly just the fatty acids which are more prone to oxidation (we’ll cover that next).

    Refined vegetable oil oil vs. butter

    This is the match-up that triggers the most arguing on the interwebs.

    Let’s cover the major claims from both sides—plus what the research says.

    🔴 The case for butter

    Butter proponents argue that saturated fats have been unnecessarily vilified. They point to nutrition recommendations during the 1980s and 1990s that recommended people replace butter with trans-fat rich margarine.

    (We all know how that went.)

    Margarine aside, others claim the research in support of reducing saturated fats is thin at best.20

    However, excessive saturated fat consumption (beyond 10 percent of total calories) does seem to boost cholesterol levels and may increase your risk of heart disease.21

    Some research has found that replacing 5 percent of the saturated fats in your diet with monounsaturated fats could reduce the risk of heart disease by 15 percent. Similarly, replacing 5 percent of the saturated fats in your diet with polyunsaturated fats (with most of that coming from refined vegetable oils) reduces the risk of a future heart attack by 10 percent, according to an analysis of eight studies involving 13,614 people.22 Many other studies support this finding.23

    But not all saturated fats affect blood cholesterol equally. In some dairy foods, a membrane—called a milk fat globule membrane—surrounds the saturated fats and seems to limit their cholesterol-raising properties.

    However, butter is low in this protective membrane, and consequently raises blood cholesterol more than other high-fat dairy products, like full-fat milk, cream, yogurt, or cheese.24 25 26

    The U.S. Dietary Guidelines recommend capping saturated fat at less than 10 percent of your calorie intake. A tablespoon of butter contains 7 grams of saturated fat—a third of the recommended daily limit in a 2000 Calorie diet.

    So, while you don’t necessarily need to eliminate butter, it’s worth moderating your intake.

    (Interested in learning about all the nuances of saturated fat consumption? Read: Is saturated fat good or bad for you?)

    🔴 The case for refined vegetable oils

    Due to their chemical structure, polyunsaturated fats are inherently less stable and more prone to oxidation than saturated or monounsaturated fats.

    During the refining process, protective phytochemicals and antioxidants are stripped, making these oils more prone to oxidation. The theory is that this oxidation increases inflammation in the body and elevates the risk of various health conditions.

    There’s some evidence to suggest that diets rich in polyunsaturated fats, especially from refined vegetable oils, are associated with increased levels of oxidized blood lipids, lipid peroxidation, and other markers of inflammation.27 28

    If you only use refined corn or safflower oils to lightly coat veggies before roasting them, you likely don’t have much to worry about.

    However, for the vast majority of people, the biggest source of refined vegetable oils isn’t home-cooked meals—it’s ultra-processed foods.

    The extra processing and repeated heat exposure used to create ultra-processed foods further oxidize these oils. Additionally, these foods are often loaded with potentially harmful ingredients like added sodium and sugars, and low in beneficial nutrients like fiber, vitamins, minerals, and phytonutrients.

    Plus, they’re incredibly calorie-dense and difficult to stop eating, which can raise your risk for obesity. (Find out exactly why highly-processed foods are so “addictive”: Why you can’t stop eating ultra-processed foods.)

    Most ultra-processed foods list one or more vegetable oils as one of their ingredients. Even ultra-processed foods that you wouldn’t think of as “fatty” contain small amounts. You’ll find them in store-bought cookies, chips, crackers, sauces, frozen dinners, meal replacement shakes, boxed macaroni and cheese, salad dressing, boxed rice blends, and more.

    In a large review involving nearly 10 million people, the consumption of ultra-processed foods was associated with a higher risk of premature death.29 In addition, studies have linked high consumption of ultra-processed foods with the following health problems:30 31 32 33

    • Heart disease and heart attacks
    • Stroke
    • High blood pressure
    • Depression
    • Overweight and obesity
    • Diabetes
    • Reduced HDL cholesterol
    • Cancer

    You don’t have to abolish ultra-processed foods.

    But your health will benefit from capping your consumption to about 20 percent or so of your intake, with the other 80 percent or so from mostly minimally-processed whole foods.

    This alone will naturally lower your refined vegetable oil intake to a safer level, without much fuss. Plus, consuming refined vegetable oils in the context of a diet that’s rich in colorful plants, fiber, phytochemicals, and antioxidants may help offset the concern of oxidation. (For example, by putting a reasonable amount of commercial salad dressing on a large, colorful salad.)

    The winner

    This match-up is a draw.

    Ultimately, both should be limited in the diet, and neither are health-promoting.

    Most refined vegetable oils are lopsidedly rich in polyunsaturated fatty acids compared to monounsaturated fats, and are stripped of many protective compounds. As mentioned earlier, some experts argue that these omega-6-rich fats may contribute to inflammation (but the evidence here is mixed). Because of how they’re processed, seed oils also contain some of those trans fats that everyone agrees we should all minimize.

    In contrast, butter is low in omega 6s but high in saturated fat, which can be problematic in higher amounts. Especially since it’s so low in the protective milk fat globule membrane. However, compared to refined vegetable oil, butter is less processed. Like olive oil, it’s one of those fats you could theoretically make at home.

    Some final parting advice

    This might be obvious from the head-to-head matchups, but we’ll say it anyway.

    If you like it and can afford it, EVOO is a great choice.

    Cold-pressed avocado oil and walnut oil are also great options, as both are rich in antioxidant compounds. Like EVOO, avocado oil is a rich source of MUFAs. Walnut oil’s fat primarily comes from polyunsaturated fats, so it’s best used as a dressing rather than used for cooking (as it’s less heat stable).

    However, like EVOO, avocado and walnut oil tend to be expensive. If you or your client are budget-conscious, expeller-pressed canola oil is a solid runner-up.

    Similarly, high-oleic sunflower and safflower oils are richer sources of monounsaturated fats than their high-linoleic cousins. When substituted for saturated fats like butter, high-oleic oils have been associated with cardiovascular benefits.34 35

    Regardless of what cooking fats you or your client choose, you’ll also want to do the following:

    ✅ Prioritize minimally-processed whole foods.

    Whole and minimally-processed foods—such as nuts, seeds, avocados, olives, and salmon—are more likely to feature health-promoting monounsaturated (MUFAs) and omega-3 fats. They also come packaged with a wide array of other good-for-you nutrients such as fiber, protein, minerals, and antioxidants.

    In contrast, ultra-professed foods are generally devoid of everything you keep hearing you should consume more of. These foods also tend to be calorie-dense, highly rewarding, and hard to stop eating.

    If you’re not sure whether packaged food is minimally processed or highly processed, take a close look and consider:

    • Does anything in nature resemble this food?
    • Does it look like it came from an animal or a plant?
    • If you look at the list of ingredients, do you see animal or plant components?

    If you answer “no” to most of the above, the food is likely highly processed.

    ✅ Limit deep-fried foods.

    It doesn’t matter what source of fat is used to fry them.

    Sort all fried foods into the “eat less” category.

    ✅ Get most of your fats from food, not oils.

    EVOO is associated with longer, healthier lives. However, that doesn’t mean you should be doing shots of it.

    As a general rule, you’re better off getting most of your fat from foods like avocados, olives, nuts and seeds than from any cooking oil.

    Whole food fats are rich in fiber, phytochemicals, vitamins, and minerals, and are generally less calorie-dense than oils. (But having one to three servings of oils or butter per day is reasonable.)

    And if you want personalized advice to suit your body, your eating preferences, and your goals, check out our Nutrition Calculator to figure out how fats fit into your overall diet.

    References

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

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


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


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

  • The new learning loop: How insurance employees can co-create the future with AI | Insurance Blog

    The new learning loop: How insurance employees can co-create the future with AI | Insurance Blog


    The annual Accenture Tech Vision report is in its 25th year and continues to be a huge source of insight for our technological future. This year, AI: A Declaration of autonomy  features four key trends that are set to upend the tech playing field: The Binary Big Bang, Your Face in the Future, When LLMs Get Their Bodies, and The New Learning Loop.  “The New Learning Loop” is a particularly compelling trend to me for the insurance industry. This trend explores how the integration of AI can create a virtuous cycle of learning, leading, and co-creating, ultimately driving trust, adoption, and innovation. 

    The virtuous cycle of trust between AI and employees 

    Trust is obviously important in any industry but since the insurance industry relies on the trust-based relationship between the customer and the insurer, especially when it comes to claims payouts, in essence, insurers effectively sell trust. Customer inertia when it comes to switching insurance providers comes down to the fact that they are happy with a repeatable insurer who makes good on this trust promise at the emotional moment of truth and pays in a timely fashion. This trust ethos needs to carry through to an insurers’ relationship with its employees. For any responsible AI program to be successful, it must be underpinned by trust. No matter how advanced the technology, it is worthless if people are afraid to use it. Trust is the foundation that enables adoption, which in turn fuels innovation and drives results and value.  In fact, 74% of insurance executives believe that only by building trust with employees will organizations be able to fully capture the benefits of automation enabled by gen AI. As this cycle continues, trust builds, and the technology improves, creating a self-reinforcing loop. The more people use AI, the more it will improve, and the more people will want to use it. This cycle is the engine that powers the diffusion of AI and helps enterprises achieve their AI-driven aspirations. 

    From ‘Human in the loop’ to ‘Human on the loop’ 

    In fostering this dynamic interplay between workers and AI, initially, a “human in the loop” approach is essential, where humans are heavily involved in training and refining AI systems. As AI agents become more capable, the loop can transition to a more automated “human on the loop” model, where employees take on coordinating roles. This approach not only enhances skills and engagement but also drives unprecedented innovation by freeing up employees’ thinking time, exemplified by the fact that 99% of insurance executives expect the tasks their employees perform will moderately to significantly shift to innovation over the next 3 years. 

    Capitalize on employee eagerness to experiment with AI 

    Insurers need to take a bottom-up rather than a top-down approach to employee AI adoption. Stop telling your employees the benefits of AI- they already know them. Everybody wants to learn and there is already huge excitement amongst the general public about the endless possibilities of AI. We see this in our daily lives. We use it to help our children do their homework. The AI action figures trend is just one that shows how people are eager to demonstrate their willingness to try it out and have fun with the technology. The key is to actively encourage employees to experiment with AI. Build on the conviction that we think it will be useful and enhance our and their careers if we all become proficient users of AI. We are already building this generalization of AI at many of our clients. Our recent Making reinvention real with gen AI survey revealed that insurers expect a 12% increase in employee satisfaction by deploying and scaling AI in the next 18 months. This increase is expected to lead to higher productivity, retention, and enhanced customer trust and loyalty, all of which drive efficiency, growth, and long-term profitability.  

    Insurers need to turn any perceived negative threat into a positive by emphasizing the fact that AI will lead to the reduction of mundane, repetitive tasks and free up employees to work on innovation projects like product reinvention. With 29% of working hours in the insurance industry poised to be automated by generative AI and 36% augmented by it, the necessity of this constant feedback loop between employees and AI is reinforced. This loop will help workers adapt to the integration of technology in their daily lives, ensuring widespread adoption and integration. 

    Cut out the mundane and the noise for your employees 

    Underwriters, in particular, can benefit from AI by using LLMs to aggregate and analyze multiple sources of data, especially in complex commercial underwriting. This can significantly reduce the time spent on tedious tasks and improve the accuracy of risk assessments. The international best-selling book “Noise: A Flaw in Human Judgment” by Daniel Kahneman, Olivier Sibony, and Cass R. Sunstein, one of my personal favorites, focuses on how decisions and judgment are made, what influences them, and how better decisions can be made. In it, they highlight their finding at an insurance company that the median premiums set by underwriters independently for the same five fictive customers varied by 55%, five times as much as expected by most underwriters and their executives. AI can address the noise and bias in insurance decision-making, even among experienced underwriters. AI can provide acceptable ranges and objective criteria for premium calculations, ensuring more consistent and fair outcomes. 

    Addressing the readiness gap through accessibility 

    Despite 92% of workers wanting generative AI skills, only 4% of insurers are reskilling at the required scale. This readiness gap indicates that insurers are being too cautious. To bridge this gap, insurers can take a more proactive approach by making AI tools easily accessible and encouraging their use. For example, within our own organization, all employees are using AI tools like Copilot and Writer on a regular basis. We don’t have to tell them to use these tools; we just make them easily accessible. 

    To foster this proactivity, insurers should recognize and advertise successful use cases, showcasing both the people and the learnings. The key is to find the spearheads—those who are already using AI effectively—and highlight their achievements. The insurance industry is still in the early stages of AI adoption, and no one knows the full extent of the killer use cases yet. Therefore, it is crucial to allow employees to experiment with the technology and not be overly prescriptive. 

    Reshaping talent strategies through agentic AI 

    This integration of AI is also disrupting traditional apprenticeship-based career paths. As insurers develop AI agents, new capabilities and roles will emerge. For instance, the product owner of the future will engage with generated requirements and user stories, while architects will be able to rapidly generate solution architectures and predict the implications of different scenarios and outcomes. With AI embedded in the workforce, insurers will need to focus on sourcing skills needed to scale AI across market-facing and corporate functions. This may involve looking beyond their own walls for expertise and capacity, covering a wide spectrum of low to high domain expertise roles. 

    How to capture waning silver knowledge  

    With a retirement crisis looming in the very near future in the industry, in an era of fewer employees, how can AI agents drive a superior work environment, providing choice and better balance? The new generation of insurance personnel can leverage the knowledge and experience of retiring experts by extracting decisions and risk assessments from historical data, free from bias. For example, Ping An’s “Avatar Coach” transforms training with immersive scenes and customizable avatars powered by an LLM, reducing training expenses by 25% and achieving a stellar 4.8 NPS for high engagement. An AI use case that we increasingly encounter is documenting the functionality of legacy systems where control has been lost or is very scarce. We have come across instances where tens of millions of lines of code are not documented due to the age and size of the systems. LLMs are extremely useful here as they can effectively read the code and tell us what the modules do. This will help insurers regain control before the mass employee exodus. 

    A cultural shift to embed AI in the workforce is the key to success 

    The New Learning Loop is not just a technological shift but a cultural one. By fostering a dynamic interplay between employees and AI, insurers can create a virtuous cycle of learning, leading, and co-creating. This cycle will not only enhance employee satisfaction and productivity but also drive innovation and long-term profitability. The key is to build trust, encourage experimentation, and recognize and celebrate successful use cases. As the insurance industry continues to evolve, the integration of AI will be a cornerstone of its future success. 

  • An update on our newest media brand 18 months and 9,000 later.

    An update on our newest media brand 18 months and $289,000 later.


    This article is a continuation of our initial story on launching FinMasters and spending $477,924 to do so, make sure you read that one first for context. Here’s an overview of what I intend to discuss:

    • An update on what we did for the past 18 months
    • Google & publishers
    • What went wrong? If anything? #

    But why even write this in the first place?

    There is a lot of misleading content about what it takes to build an online business, very little on this particular scale, and even less so about bad bets.

    FinMasters journey

    The last report ended with those 2 scenarios: 

    • Downscale and keep the loss to a minimum while hoping that there will be some growth later on.
    • Continue to double down on the good things and extend the timeline by one more year while committing $150,000 more to the project.

    The traffic looked like this:

    It’s not hard to guess that we chose the second option. We continued with what we have been doing, working with the most reputable and knowledgeable writers we can afford to hire, both for the site and for our freemium newsletter: and we ended the year generating around $7,000 per month in affiliate revenue.

    We were still struggling to get any traffic for general personal finance topics due to a lack of authority, so we decided to continue building our library of content, while at the same time introducing two new types of articles:

    1. Write the best research posts possible, e.g. https://finmasters.com/consumer-debt-statistics/, the best data available & best presentation, to differentiate ourselves.
    2. Fun, easier, and cheaper to produce articles, like: https://finmasters.com/weird-jobs-that-pay-well/, which would give us short & medium-term gains, until we build out authority. We decided to work with an agency on those and edit in-house.

    We’ve continued to invest in marketing as well, we started doing more PPC to promote our new research posts here is our traffic from November 2022:

    Financially, towards the end of 2022, we were losing around $15,000/month, but the traffic was growing. We continued with the same strategy in 2023, but it was more about execution, without trying a lot of new things. Milica who managed the project moved to manage all our media projects.

    We also acquired a smaller site on Flippa on a topic dear to me, logical fallacies: fallacyinlogic.com, if you want to read more about fallacies: https://finmasters.com/logical-fallacy/.

    Here is what our costs looked like for 2023:

    While the traffic was growing, our revenue was not, to continue growing more sustainably, we decided to experiment with display ads and join Raptive.

    Right before joining Raptive, we had our first “surprise”, Google HCU came and we lost around 30% of the traffic, 2 weeks later, another update came and we lost another 30%, here is the chart again:

    I was honestly surprised by the October update, which affected almost all our sites and was something that I haven’t seen happening in the past 13 years, Google specifically hitting sites that engage in affiliate marketing, no matter their history and reputation. For E.g. WPBeginner, which is the oldest and largest WordPress site, based on Ahrefs lost around 20+% of the traffic as well.

    Pretty much all our affiliate income was gone and what we thought would be around $6,000/month in ads revenue, turned out to be $2,000. I was on my 3 months sabbatical, and I think in a bit of a shock, not recognizing nor accepting the new reality.

    I think it took me maybe 6 more months to accept the new reality, for some time I was just thinking that this was a temporary thing and things would turn around. As I look at it now, is maybe the situation from 2-3 years ago that was atypical in terms of how good we’ve been doing.

    Before coming back to our story, let me share my answer to the question: is Google hating small publishers?

    No, Google is just simply serving its users, employees, and shareholders as always; it’s also aiming to maintain competitiveness in search against other information sources. 

    For a long time, Google had a lot of unique but incomplete content, with bloggers sharing random thoughts on their sites, comments, and forums, and they encouraged long-form, in-depth content summarizing that information. However, now they don’t need that anymore. This is because they already have too much similar content, and AI can now effectively digest and summarize a thousand unique viewpoints. What Google truly needs now is to bring back the internet from 15 years ago – forums, discussions, and comments.

    Now let’s get back to our story and what we decided to do further:

    Focus on what you can control

    Since we can control only our content and how users engage with it, we worked on coming up with multiple data points to figure out what articles need improving, besides bounce rate, we measure how many users and how long users are scrolling, if they click any resources or if they hit the back button.

    On top of that, we run various user tests like: https://www.codeinwp.com/blog/content-quality/, to get more qualitative data on how we can improve UX on the sites.

    Based on those we had our whole content team do a round of quick updates, particularly making sure the intros are more useful to users.

    While our content engagement numbers improved, the traffic didn’t follow.

    What we should be doing now?

    Currently, as I’m writing this, there’s another significant Google update in progress. It seems we’re facing another -25% drop in traffic. However, given how far we’ve diverged from our original plans, this decline doesn’t affect our current strategy much.

    Our immediate plan is to maintain our content library at a minimum level. Additionally, we’re considering splitting the site into two parts, with our investment-focused content moving to a new site. This move should make it easier for us to establish a more specialized brand, especially since we already own optionistics.com in this domain.

    Overall, we’ll need to review our entire publishing approach, is still early to tell about the changes we’ll make.

    What went wrong? If anything?

    I believe decisions shouldn’t be judged solely in hindsight with a bias. A good decision might lead to a bad outcome, but what matters more to me is the process behind it. It’s easy to label it a bad idea now, considering we’ve lost about 90% of our investment. However, to evaluate it properly, I would revisit my initial thesis.

    “Heads I win; Tails I don’t lose much.” This is the principle which guided my assessment of this investment. I reasoned that by investing in high-quality content, even if we didn’t achieve the desired return, the downside would be limited, while there was a slim chance for a significant upside.

    In hindsight, we’re far from experiencing minimal losses. Reflecting on what could have been done differently, I realize that overconfidence was likely the biggest mistake. I relied too heavily on past success in our content business, without adequately adjusting to the current market conditions.

    A question that I failed to ask for some time, especially when approaching the personal finance niche, where there is a huge amount of content written: What we’re bringing new & unique to what’s already there? The answer is that honestly, very very little.

    While I was aware that market dynamics would change, I underestimated the urgency, assuming the window of opportunity was wider than it was.

    Confronting past mistakes isn’t enjoyable, and in the past, I often avoided it by not even measuring our efforts in the first place. However, now that we do it, there’s no reason not to seize the opportunity for reflection.

    For context, since I don’t want the post to sound like a complaint, we’re still running a profitable company, we didn’t rely on external funding for this venture. FinMasters represented a significant but not the largest portion of our investments, accounting for roughly 20%.

    We’re still looking to acquire online businesses, if you’re interested in doing so, here is how we’re different:

    We come up with a fair contract for both buyer & seller, without unnecessary restrictions, and we’re transparent with what are the prices we usually pay, those can still vary a lot, but for non-growing businesses is between 3-4x yearly revenue.

    You’ll not be dealing with a layer of assistants, you can email me directly at [email protected] and have an answer in a day. We can usually close in around 2 weeks. We are not asking for a million things that we can usually find ourselves.

    Some products will grow, some will stay as they are, and some will die, but in all cases, we’ll be trying to find the best solution for the existing users and do the best we can to not cause damage to the work you’ve done.

    A lot of people trusted us with their projects so far and we’re happy to provide references. We acquired products like PPOM, Multi Page Generator, Optionistics, imgbot.net, and http://blog.cathy-moore.com. Usually, people who want to move on to other things.

  • Why Motivational Interviewing is the Future of Nutrition Coaching 

    Why Motivational Interviewing is the Future of Nutrition Coaching 


    Struggling to stick to your health goals? You’re not alone. Many people know what to do but can’t seem to make it happen. As a dietitian, I’ve seen this challenge repeatedly, and traditional advice often misses the mark. Enter motivational interviewing in nutrition—a powerful approach that helps clients unlock their own motivation for lasting change. 

    I’m Kellie Lunday, a registered dietitian, AFPA’s Nutrition Content Lead, and contributor to AFPA’s new Nutrition and Behavior Change certificate of specialty. As a registered dietitian with nearly ten years of experience guiding clients to healthier lives, I’m excited to share why motivational interviewing is transforming nutrition coaching. This article explores how motivational interviewing training can empower you as a coach, a dietitian, a student, or a wellness enthusiast. We’ll also take a look at how AFPA’s certificate of specialty equips you to master MI specifically in a nutrition setting. Let’s dive in! 

    What is Motivational Interviewing? 

    I’m passionate about motivational interviewing because it helps build lasting habits and it allows you to form strong bonds with clients. Motivational interviewing (MI) is a client-centered technique that fosters behavior change by helping clients resolve ambivalence. Unlike directive coaching, MI builds collaboration, letting clients discover their own reasons for change through engaging, focusing, evoking, and planning. At its heart lies the OARS technique—Open-ended questions, Affirmations, Reflective listening, and Summarizing. 

    For example, instead of saying, “Cut out sugary drinks,” a coach might ask, “What might change in your day if you swapped sugary drinks for water?” This taps into why MI works in nutrition: it empowers clients to own their goals. A 2014 cluster randomized control showed a significant increase in fiber, vegetables, and fruits with motivational interviewing for dietary change.

    Affirmations in motivational interviewing, like “You’ve shown real dedication by tracking your meals,” boost confidence. Motivational interviewing questions examples—such as “What’s one small step you feel ready to take?”—create a safe space for exploration. These tools make MI ideal for nutrition coaching. 

    One of my clients felt a ton of pressure to lose weight based on her doctor’s recommendations. She assumed she needed to follow a low carb diet, despite not wanting to give up many of her cultural foods. Using OARS, I was able to help her find an approach based on her diet preferences and strengths in the kitchen. This was a huge nutrition breakthrough for her to reject a restrictive mindset and still eat the foods she loved! 

    MI in Nutrition Coaching 

    Traditional coaching often prescribes promote diets or workouts, but these can feel restrictive. Motivational interviewing for health coaches changes the game with healthy client-centered conversations . By listening empathetically, coaches help clients find intrinsic motivation for MI for healthy eating behavior. 

    (Content Note: The following discusses weight loss, which may be sensitive for some readers.) A 2017 study showed MI clients maintained significantly more weight loss over two years than those given standard advice. One of my previous clients worked as a busy engineer wanted to lose weight to support her fertility journey. Through MI, she identified her “why” and built sustainable habits for her meal and snack patterns that helped her lose weight and reach her goals.

    Motivational interviewing in nutrition also excels by addressing ambivalence. Clients may want change but feel stuck. MI helps them move forward, making it a must for nutrition coaching professionals. 

    I had a client who was really struggling to kick start his weight loss journey. Using open-ended questions like “what other areas of your life have you been successful?” and reflecting on his financial achievements with budgeting, my client was able to think of his diet in terms of calorie “spending”. Rather than praise his weight loss, I affirmed his commitment to logging and taking inventory of his usual eating patterns. Throughout our work together, he was able to lose over twenty pounds, get off his blood pressure medication, and have more energy to coach his track team! 

    Key Techniques of Motivational Interviewing 

    Ready to try MI? A motivational interviewing cheat sheet can guide you. Here are core techniques of motivational interviewing: 

    • Open-ended Questions: “What would make healthy eating easier for you?” 
    • Affirmations: “You understand the importance of healthy eating and made an effort to try new recipes.” 
    • Reflective Listening: If a client says, “I’m too busy to cook,” respond, “Time feels like a big challenge for you.” 
    • Summarizing: Recap the client’s thoughts to show understanding. 

    Integrating techniques like engaging, focusing, evoking, and planning in diet counseling is key for motivational interviewing for dietitians and nutrition coaches. These techniques help clients explore barriers without judgment. The comparison below highlights MI’s edge: 

    Approach  Traditional Coaching  Motivational Interviewing 
    Style  Directive, advice-heavy  Collaborative, client-driven 
    Client Role  Passive recipient  Active participant 
    Outcome  Short-term compliance  Long-term behavior change 

    In AFPA’s Nutrition and Behavior Change certificate of specialty, I teach and dive deeper into each of the components of MI, with my favorite being the art of evoking. It is a skill that helps you draw out a client’s “why” and elicit their own internal motivations for change. I find this to be an essential part of nutrition coaching to drive lasting success. 

    Nutrition and Behavior Change Certificate of Specialty

    Become a Nutrition Behavior Change Specialist

    • Master motivational interviewing for nutrition settings.
    • Learn the behavior change models behind lasting habit shifts.
    • Walk away with practical tools you can apply immediately.

    Busting Common MI Myths 

    New to MI? A common myth that I encounter with new students is that MI “takes too long” and clients “just want to be told what to do”. With practice, I’ve been able to sprinkle MI skills into my nutrition coaching sessions and have seen clients make even great progress than those wanting to take a backseat to changing their lifestyle habits. Here are some of the most common MI misconceptions that might hold you back:

    • Myth: MI is just “sympathetic to a situation.” Reality: MI is a structured, evidence-based approach requiring skill, empathy,and practice. 
    • Myth: MI takes too long. Reality: Even brief 15 minute MI sessions can spark change, per a 2005 study in the British Journey of General Practice
    • Myth: MI only works for motivated clients. Reality: MI is designed to ignite motivation in ambivalent clients. 

    Why MI is the Future of Nutrition Coaching 

    Nutrition motivational interviewing is revolutionizing how coaches guide clients toward healthier eating habits. In an era where personalized nutrition is king, MI’s client-centered approach aligns perfectly with the need for tailored dietary plans that respect individual preferences, lifestyles, and cultural backgrounds. Unlike traditional methods that push one-size-fits-all diets, MI empowers clients to co-create solutions, making it a cornerstone of modern nutrition coaching. 

    Research underscores MI’s impact on nutrition outcomes. A 2016 systematic review found that MI significantly improved dietary habits in individuals with type 2 diabetes. Another trial showed MI reduced sodium intake by over 500mg per day in clients with kidney disease. These results highlight why MI works in nutrition: it tackles psychological barriers like emotional eating or lack of motivation, fostering sustainable change. 

    MI also equips coaches to address diverse dietary needs. For example, a client struggling to reduce processed food intake due to time constraints might say, “I’m too busy to cook.” Using MI, a coach could ask, “What small step could fit into your schedule to prep healthier meals?” This collaborative approach helps clients overcome barriers while respecting cultural or socioeconomic factors, such as limited access to fresh produce. The World Health Organization notes that MI enhances dietary adherence and lifestyle change, making it a vital skill for inclusive coaching.

    The demand for motivational interviewing training in nutrition is surging. As clients seek coaches who prioritize empathy over directives, those trained in MI stand out. Motivational interviewing courses like AFPA’s Nutrition and Behavior Change certificate of specialty provide hands-on tools to master MI, from eliciting change talk to navigating resistance. With nutrition coaching evolving rapidly, MI is the key to staying ahead. 

    I believe MI is critical for sustainable habits and the future of nutrition coaching. A client that I worked with wanted to try out a plant-based diet but was overwhelmed by where to start and was worried he wouldn’t get enough protein. By exploring his motivations, like family and health, as well as discussing strategies he was already aware of, he found ways to make dinners more plant-forward and add protein powder to his morning smoothies. I am excited for coaches to take this course and strengthen their MI skills to get clients start on the right path to change. 

    How to Get Started with Motivational Interviewing Training 

    Eager to try MI? It’s a powerful tool that will serve your nutrition practice well, but it does require some practice to master. Here are a few tips for getting started and getting better at MI.

    1. Practice OARS: Use motivational interviewing questions examples like “What’s one health goal you’re excited about?” in daily conversations. 
    2. Create a Cheat Sheet: Build your own motivational interviewing cheat sheet to track techniques. 
    3. Enroll in Training: AFPA’s Nutrition and Behavior Change certificate of specialty offers hands-on how to use MI in nutrition coaching. 

    Transform Your Nutrition Coaching with MI

    Motivational interviewing is reshaping nutrition coaching by empowering clients to drive their own change. Whether you’re a coach, a student, or a wellness enthusiast, MI offers a proven framework for success. With motivational interviewing training through AFPA’s Nutrition and Behavior Change certificate of specialty, you can lead this revolution. Enroll now and shape the future of nutrition coaching!

    Kellie Lunday

    Written 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. 

    Master Behavior Change for Nutrition

    Gain the skills to help clients break through resistance, change their relationship with food, and build habits that truly last.

    Nutrition and Behavior Change Certificate of Specialty