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

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


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

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

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

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

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

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

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

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

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

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

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

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

  • Best CD Rates: Certificate of Deposit 2023)

    Best CD Rates: Certificate of Deposit 2023)


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

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

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

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

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

    Important Factors for Certificate of Deposit Accounts

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

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

    Find the Highest CD Rates from Banks and Credit Unions

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

    For The Current CD Rates…

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

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

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

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

    Best Certificate of Deposit Accounts – Reviews

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

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

    PNC Bank

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

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

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

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

    CIT Bank

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

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

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

    Discover

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

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

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

    Marcus by Goldman Sachs

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

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

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

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

    Synchrony Bank

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

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

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

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

    How We Found the Best CD Rates

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

    Rates and Terms

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

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

    Account Fees

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

    Early Withdrawal Penalties

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

    FDIC Insurance

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

    What You Need to Know About Certificates of Deposit

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

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

    Summary: Best CD Account Rates of April 2025

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

    The Bottom Line – Locking in the Highest CD Rates

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

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

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

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

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

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

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

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

  • Trusted Legal Help After A Motorcycle Accident Injury Or Loss

    Trusted Legal Help After A Motorcycle Accident Injury Or Loss


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

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

    Realizing The Power Of Hiring Lawyers 

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

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

    Evaluating The Situation

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

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

    Selecting The Right Lawyer

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

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

    Getting Familiar With The Legal Process

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

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

    Working With The Insurance Companies

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

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

    Pursuing Fair Compensation

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

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

    Emotional Support And Guidance

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

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

    Final Thoughts

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



  • 3 Common Ones, Plus Their Solutions

    3 Common Ones, Plus Their Solutions


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

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

    And the above quote has become one of her taglines.

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

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

    Coach Kate knows what other coaches are up to.

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

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

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

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

    Coaching mistake #1: Focusing on coaching instead of selling

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

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

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

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

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

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

    Instead, she suggests, just start selling.

    Why?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    ▶ Takeaway nugget:

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

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

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

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

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

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

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

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

    For example, maybe you’re someone who…

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

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

    Says Kate:

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

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

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

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

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

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

    Ask questions, such as:

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

    And:

    “Why is that goal meaningful to you?”

    And:

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

    Listen.

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

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

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

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

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

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

    ▶ Takeaway nugget:

    Remember that clients:

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

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

    Coaching mistake #3: Getting too attached to client results

    This is, actually, very natural.

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

    But caring can be a double-edged sword.

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

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

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

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

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

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

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

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

    Your client also has a certain amount of care units.

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

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

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

    How do you do that? One approach…

    Solution: Clearly separate client and coach responsibilities

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

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

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

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

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

    Meanwhile, the client is responsible for:

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

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

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

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

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

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

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

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

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

    ▶ Takeaway nugget:

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

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

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

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

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

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

    We’re proud of you.

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

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

    And we want to see you succeed.

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

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


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


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

  • A Checklist for Evaluating Long-Term Care Insurance Options – Life Happens

    A Checklist for Evaluating Long-Term Care Insurance Options – Life Happens


    Life often has a way of taking unexpected turns, especially when we get older. While there’s no way to know for sure if you’ll need long-term care in the future, it’s quite likely considering that people are living longer than ever—in fact, 69% of people will use long-term care services at some point.

    As you draw closer to your golden years, getting long-term care insurance (LTCI) can be a smart decision to ensure peace of mind and financial stability for both you and your loved ones. With many options available, making the right choice can feel overwhelming. Use this checklist to help you evaluate and take that next step toward getting coverage.

    1. Understanding Long-Term Care and Early Planning:

    • Define the types of care: Understand the various forms of long-term care, such as nursing home care, home health care or assisted living. Determine what kind of care you or a loved one might need. It’s also important to think about the kind of care that LTCI doesn’t cover, which typically includes care provided by family members or medical care costs.
    • Start early: The sooner you start evaluating your long-term care insurance options, the better. Early planning can allow for better financial preparation and a broader range of choices.

    2. Exploration of Insurance Options and Policy Features:

    • Traditional vs. hybrid policies: Traditional long-term care insurance (also known as a standalone policy) covers nursing home care, home health care and assisted living, while hybrid policies combine the death benefit of life insurance or annuities with long-term care benefits.
    • Policy features: Look into the specific features like the daily or monthly benefit amount, length of benefit period and the elimination period. Consider inflation protection to ensure the benefit amount keeps pace with rising care costs.

    3. Costs, Premiums and Coverage Specifics:

    • Premium costs: Understand the cost of premiums and assess if they fit within your budget. It’s also important to understand whether the premiums can increase in the future and under what circumstances.
    • Coverage details: Know which services are covered, which are not and any conditions or restrictions. This can help you avoid any surprises later.

    4. Provider Reputation, Financial Stability and Legal Consultation:

    • Provider reputation: Choose companies known for servicing long-term care policies well. Check the financial strength ratings of the insurance company.
    • Legal and financial advice: Seek advice from legal and financial professionals familiar with long-term care planning to understand the implications of long-term care insurance.

    5. Family Discussion and Continuous Evaluation:

    • Family discussions: Engage family members in discussions about long-term care planning to ensure everyone is on the same page. LTCI is also there to help your loved ones, as it takes the pressure off your family to provide care.
    • Continuous evaluation: As needs change over time, review and update your policy regularly, especially after major life events. It’s always a good idea to review any form of insurance annually.

    By following this checklist, you can make informed decisions that provide peace of mind and financial stability for yourself and your loved ones. Evaluating long-term care insurance options is a crucial step in preparing for life’s uncertainties. A licensed insurance agent can help you take the next step of getting coverage.

  • Major Banks with ATM Fee Reimbursement

    Major Banks with ATM Fee Reimbursement


    I haven’t paid an ATM fee in ages because I use an Ally Bank checking account. They will reimburse me $10 per statement cycle on fees charged by another bank when I use their ATM. They also have a partnership with Allpoint and MoneyPass so I can access my cash through those networks without paying a fee.

    $10 isn’t a lot but I don’t need cash often so it’s actually a perk I rarely use.

    If you’re paying ATM fees for using other banks, you should consider switching to a bank that will reimburse you for those fees. Sadly, many of the best online banks do not offer ATM reimbursement as a perk (I checked Sofi, Capital One, Discover, CIT Bank, and a few more).

    Here are some major banks that offer this and their terms, listed in alphabetical order:

    Table of Contents
      1. Alliant Credit Union
      2. Ally Bank
      3. Axos Bank
      4. Betterment
      5. Charles Schwab Bank
      6. Consumers Credit Union
      7. Fidelity Cash Management Account
      8. TD Bank
      9. TIAA
      10. USAA
      11. Wells Fargo

    Alliant Credit Union

    Alliant Credit Union is a nationwide credit union that has 80,000+ fee-free ATMs but they will reimburse you up to $20 in ATM fees per month. The rebates are deposited into your account at the end of the day they are charged, which is a nice touch.

    Here is our review of Alliant Credit Union.

    Ally Bank

    Ally Bank partners with the Allpoint and Moneypass networks so you get access to thousands of fee free ATMs but they will reimburse you up to $10 each statement cycle for fees charged by other ATMs. Ally will not charge you an additional fee though.

    The checking account interest rate is tiny, which is common, but their savings account currently yields 3.70% APY. It’s not the top rate possible but it’s competitive.

    Here is our Ally Bank review.

    Axos Bank

    Axos Bank, through its various checking products, offers unlimited ATM fee reimbursements, which is quite rare. most banks offer limited reimbursement but Axos goes beyond that. For example, on their Essential Checking account, you get early direct deposit, no overdraft, NSF, or monthly maintenance fees on top of unlimited ATM fee reimbursements.

    The savings account available through Axos currently yields 4.66% APY.

    Here is our Axos Bank review.

    Betterment

    Betterment, best known as a roboadvisor, offers unlimited ATM fee reimbursement on their checking accounts and that reimbursement will come as a credit the following calendar day. This extends internationally too, they will reimburse any ATM worldwide and will also reimburse you the Visa 1% transaction fee on foreign transactions, purchases, and ATM transactions.

    Here is our Betterment review.

    Charles Schwab Bank

    Charles Schwab Investor Checking is Charles Schwab’s checking account and it offers unlimited ATM fee rebates on their Schwab Bank Visa Platinum Debit Card. Again, unlimited ATM reimbursement is rare and this is appealing if you already have a Charles Schwab account. Reimbursement happens at the end of the month.

    Consumers Credit Union

    Consumers Credit Union is the second credit union that made this list and they offer unlimited reimbursement of any and all ATM fees on their Rewards Checking account. They also have partnerships that allow you to use 30,000 surcharge-free ATMs but they’ll reimburse you for any fees you do get charged if you can’t find one of those ATMs.

    Fidelity Cash Management Account

    Fidelity will reimburse all ATM fees when you use their card linked to a Fidelity Cash Management Account. If you have a card linked to a Fidelity Account® Premium, Active Trader VIP, Private Client Group, Wealth Management, current or former Youth accounts owners, all ATM fees are reimbursed as well.

    TD Bank

    TD Bank offers reimbursement on their checking accounts, such as the TD Beyond Checking account. With that account, you get non-TD Bank fees reimbursed at all ATMs when you have at least a $2,500 daily balance.

    TIAA

    TIAA will reimburse you up to $15 for ATM fees charged by other banks but if you have an average daily balance above $5,000, they will reimburse you an unlimited number of times and amount. You can read the terms here.

    USAA

    USAA has partnered with networks that get you 100,000+ ATMs with no fees but if you can’t find one, they will reimburse you up to $10 each monthly statement cycle in ATM fees.

    Wells Fargo

    Wells Fargo offers ATM fee reimbursement on their Premier Checking and Prime Checking accounts. With Premier Checking, they will reimburse all fees but that account requires you to have a $250,000 minimum balance each month to avoid the $35 a month fee! The Prime Checking account, which requires a $20,000 minimum balance to avoid a $25 monthly fee, will reimburse you the first U.S. and first international fee each period.

  • Are Smart Scales The Smarter Way To Measure Health?

    Are Smart Scales The Smarter Way To Measure Health?


    For decades, the Body Mass Index (BMI) was the go-to measure for tracking health. It offered a convenient way to assess whether someone was in the “healthy weight” range. However, BMI does not consider body composition. Two people with the same BMI could have vastly different amounts of muscle, fat, and bone density. That is where modern tools like the body fat scale step in.

    In today’s fitness-forward world, understanding your body composition has become just as important as watching the number on your scale. Whether you are an athlete, someone on a weight loss journey, or just focused on better health, knowing how much of your weight comes from fat versus muscle or water is vital. That makes a scale that measures body fat more relevant than ever.

    Yet, with so many options, people often end up having various questions. Are smart scales accurate alternatives to body mass composition machines? Is a body fat scale worth investing in? This article dives into all of that and more. It aims to help you make an informed choice with logic and science to back it.

    What is a Body Fat Scale?

    A body fat scale is a digital device that does more than measure weight. It estimates your body composition, specifically your body fat percentage, muscle mass, water retention, bone mass, and sometimes even visceral fat.

    These scales work on a principle called bioelectrical impedance analysis (BIA). When you step on the scale, a low electrical current travels through your body. Since fat, muscle, and water offer different levels of resistance, the scale uses this impedance data, along with your height, age, and gender, to estimate various body metrics.

    BIA is non-invasive and quick. But remember, the data is based on mathematical modeling, and that makes the accuracy of the formula used just as important as the electrical reading itself.

    How Do Body Fat Scales Work?

    Understanding the mechanism of how body fat scales measure body fat is key to interpreting the results.

    When you stand barefoot on a body fat weight scale, sensors beneath your feet send a painless electrical impulse through your lower body. Muscles and water, being good conductors of electricity, allow current to pass easily. Fat, being more resistant, slows it down.

    The scale’s algorithm processes this impedance value along with your demographic inputs. It then produces values for your:

    • Body fat percentage
    • Muscle mass
    • Bone mass
    • Visceral fat
    • Water weight
    • BMI

    Higher impedance generally translates to a higher fat estimate. That is how a bioimpedance scale calculates your body composition.

    Understanding the Readings and Their Significance

    Each metric you see on a scale to measure fat percentage offers unique insights. Body fat ratio scale values reveal how much of your body is fat relative to total body weight. Muscle mass helps assess physical fitness and calorie-burning capacity. Visceral fat is a red flag for metabolic health, and water weight indicates hydration status. By tracking these consistently, you get a clear window into your internal health and how your body responds to diet, exercise, and lifestyle changes.

    Why Use a Smart Scale?

    Unlike traditional weighing scales that show just a number, a smart scale offers context, helping users interpret changes in body composition, set meaningful goals, and spot health risks early. Whether you are just beginning your fitness journey or fine-tuning performance, the right smart scale can empower your decision-making with real data.

    Track Progress Beyond Weight

    The scale might not move, but that does not mean your body is not changing. When you are building muscle and losing fat, your total weight may stay constant. It might give the illusion of no progress. A smart scale, however, can detect these shifts by analyzing body fat, muscle mass, and water levels. This visibility helps users avoid the common trap of discouragement and stay motivated as they see actual fat loss and muscle gain reflected in the metrics. Tracking body composition is a much clearer indicator of physical improvement than weight alone.

    Set More Accurate Goals

    Your health goals should be based on what matters, not just what appears on a basic scale. By offering detailed data on body fat percentage, muscle mass, and water retention, a smart scale allows users to set realistic, personalized fitness targets. Whether it is reducing body fat ratio scale readings or increasing lean muscle, having access to multiple metrics enables goal-setting that is both evidence-based and customized. This precision can also help health coaches and fitness professionals tailor strategies for better outcomes.

    Monitor Health Risks

    Fat distribution is as important as fat quantity. Elevated visceral fat (the type stored around vital organs) has been linked to severe conditions like heart disease, diabetes, and high blood pressure. A smart scale to measure fat percentage can help track visceral fat trends over time, making it easier to take preventive steps. While not a diagnostic tool, it serves as an early-warning system. Moreover, it encourages users to act before risks escalate. When used consistently, it adds a proactive layer to personal health monitoring.

    Convenience and Consistency at Home

    One of the most substantial advantages of a smart scale is the ability to track detailed health metrics from the comfort of your home. There is no need for lab visits or expensive tests. Syncing your data to a mobile app lets you monitor trends, compare results, and even share insights with healthcare providers. And because you can measure yourself regularly (under consistent conditions), you get a clearer picture of how your lifestyle choices are impacting your health. This regularity improves body fat scale accuracy and builds accountability.

    Are Body Fat Scales Accurate?

    It is the most frequently asked question: Are body fat weight scales accurate?

    The answer depends on your expectations. Body fat scales do not provide clinical-level accuracy like DEXA scans, Bod Pods, or hydrostatic underwater weighing. But they are reliable enough to detect trends.

    A 2016 study comparing six smart scales to Bod Pod data revealed that readings can vary by 20–34%. However, even if the absolute values are not perfect, most scales are consistent over time. That means if your body fat percentage is decreasing on the scale, it likely is in reality too.

    So, do body fat scales work? Yes, they work to track changes over time, not for diagnostic precision. The effectiveness of scales based off DEXA scans is still higher, but those tools are expensive and inaccessible to most users. For everyday users, a body fat composition scale is practical and motivating.

    Pros and Cons of Using a Body Fat Scale

    Like any fitness tool, a body fat scale has strengths and weaknesses. While not perfect, it provides far more information than a traditional bathroom scale. Whether you are choosing a body fat ratio scale to monitor health changes or using it to adjust your workout and nutrition plans, understanding both sides of the equation helps you make the most of your device.

    Pros:

    • Convenience: Measure your body composition in seconds, at home.
    • Trend Tracking: Helps track fat loss and muscle gain progress over weeks or months.
    • Holistic Metrics: Gives more than just your weight—provides insight into your fitness strategy.
    • Tech Sync: Most smart scales sync with apps for historical tracking and analysis.

    Cons:

    • Inconsistency Across Brands: Algorithms vary, so two scales may give you different results.
    • Not 100% Accurate: Values are estimates and can fluctuate based on hydration, posture, and meal timing.
    • Lower Body Bias: Foot-only sensors may not accurately capture upper body composition.
    • Lack of Fat Distribution Insight: Most cannot differentiate between subcutaneous and visceral fat.

    Types of Body Composition Scales

    Different scales that calculate body fat offer varying features and degrees of accuracy.

    Foot-Only Scales (Basic BIA)

    The most common scales use basic BIA technology. These scales send electrical currents through the lower body only, making them affordable but less comprehensive in their analysis. While they offer a convenient way to measure fat percentage, they may not capture upper body composition as accurately.

    Handheld BIA Devices

    They serve a similar purpose but target the upper body by using electrical impulses sent from the hands. Though they offer complementary data, they are generally not used as standalone tools due to accuracy limitations.

    Full-Body BIA Scales

    More advanced are full-body BIA scales, which combine foot and hand sensors. These provide a holistic view of the body’s fat and muscle distribution and are often regarded as the most accurate body fat scale available for home use. They are pricier but deliver data that closely mirrors lab-based assessments.

    Smart Body Fat Scales

    Finally, smart body fat scales integrate with mobile apps and track historical data over time. They typically offer multiple body metrics, goal tracking features, and AI coaching. Their convenience and versatility make them a top choice for fitness enthusiasts who want deeper insights into body composition.

    Why Are Body Fat Scales So Different in Price?

    A common question is: Why are body fat scales so different in price? The differences lie in:

    • Sensor Quality: More sensors often mean more precise readings.
    • Data Points Measured: Higher-end scales track 10–12 body metrics.
    • Connectivity: Bluetooth/Wi-Fi compatibility adds cost.
    • Brand Reliability: Reputable brands with FDA certifications tend to cost more.
    • Software: Advanced app integrations, data visualization, and coaching support drive up prices.

    When choosing the best scale to measure body fat, evaluate which features align with your health goals and budget.

    Key Features to Look For in a Body Fat Scale

    Choosing the best body fat percentage scale means understanding what truly adds value. Here is what to look for:

    • Number of Metrics: Look for 10+ metrics, including muscle mass, visceral fat, and bone density.
    • Display Type: An LED screen is easier to read and interpret.
    • App Integration: Seamless syncing with mobile health apps improves tracking.
    • User Profiles: Multiple user support is excellent for families.
    • Data Storage: Historical data can help identify patterns.
    • Accuracy and Consistency: Even if it is not perfect, it must be consistent.
    • Battery Life and Build Quality: Opt for a sturdy build and long-lasting power.

    How to Get the Most Accurate Readings

    If you are wondering how accurate fat percentage scales are, the following practices will help:

    • Weigh yourself at the same time daily, preferably in the morning.
    • Avoid using the scale post-exercise or after a big meal.
    • Ensure your feet are clean and dry.
    • Place the scale on a flat, hard surface.
    • Do not compare results across scales; stick to one device.

    These habits reduce variability and help your body fat scale accuracy improve over time.

    Smart Scales vs Traditional Measures: Should You Trust the Tech?

    Technology has changed the way we assess health, and body composition is no exception. Traditional methods like BMI or visual assessments fall short in today’s precision-driven world. Smart scales, on the other hand, use bioimpedance and algorithm-based analytics, making them appealing to anyone serious about understanding their health. But are they reliable enough to replace clinical tools, or do they serve a different purpose entirely?

    • Is my smart scale’s muscle mass accurate? That depends. Smart scales are decent for tracking trends, but their individual values may differ from lab-grade results.
    • Are BMI scales accurate? They are helpful for population-level data but not for personalized health. A muscular person may show as overweight despite having low body fat.
    • Can a scale really measure body fat? Yes, to a reliable extent, using BIA, especially if used consistently. But they should not replace medical evaluations.
    • Is the weighing scale a scam? Not at all. However, knowing what it measures (and what it does not) is critical.

    Why the HealthifyMe Smart Scale is a Smart Choice

    Among a sea of options, the HealthifyMe Smart Scale offers the right mix of data depth, ease of use, and integrated support.

    • Track 11+ Key Metrics: Including body fat, muscle mass, visceral fat, and more.
    • Real-time App Sync: Syncs with the HealthifyMe app for instant access and analysis.
    • Progress Insights: Track changes in composition, not just weight.
    • AI Coach Ria Support: Get personalized tips based on your metrics.
    • One Month HealthifySmart Plan: Access coaching and goal setting to align your readings with real results.
    • Sleek, Easy-to-Read Display: The LED screen offers clarity and style.

    When choosing the best body fat composition scale, convenience must meet capability, and this one checks both boxes.

    HealthifyMe Note

    Tracking progress is empowering, but knowing what to track is even more powerful. As a HealthifyMe coach, I often remind users that while tools like smart scales add data, your interpretation and action matter most. A number on a screen does not define you, but it can guide you. Whether you are trying to lose fat, gain muscle, or just eat better, body composition data gives you direction. But never forget that consistency in habits trumps inconsistency in readings.

    The Final Word

    Smart scales are not perfect, but they are smarter than guessing. If you are serious about health and fitness, moving beyond basic weight tracking to full-body composition analysis is a step in the right direction. It adds context to your weight changes and helps you make informed choices. It also reinforces the concept that health is not merely the loss of a few kgs but a much more complex entity.

    The key to using smart scales wisely is understanding how they work and interpreting results. Do not obsess over daily changes; instead, focus on patterns. Combine your scale with good nutrition, sleep, and exercise for the best results.

    HealthifyMe’s ecosystem, spanning from smart scales to coaching by Ria, bridges the gap between data and decisions. It is not just about measuring progress, but understanding it. The Healthify Body Fat Scale stands out not just for what it measures but for what it enables you to do with that knowledge.

    Frequently Asked Questions (FAQs)

    Q: How accurate are smart body fat scales?

    A: Smart body fat scales use bioelectrical impedance to estimate metrics. While not as precise as DEXA scans, they are reliable for trend tracking when used consistently. Avoid comparing results across different brands or models.

    Q: Can a smart scale really measure muscle mass?

    A: Yes, but it is an estimate. The scale uses resistance data to determine muscle mass, which can vary based on hydration and time of day. It works well to track muscle gain trends over time.

    Q: Why do two body fat scales give different readings?

    A: Each scale uses a unique algorithm and sensor type. Variations in technology, user input, and measurement methodology contribute to discrepancies. Stick to one scale for consistency.

    Q: How do I know if my body fat percentage is healthy?

    A: Healthy ranges vary by age and gender. For adult women, 21–33% is generally healthy; for men, 8–20%. Use the scale to track changes and consult a health expert for personalized targets.

    Q: Are bathroom scales that show body fat worth buying?

    A: Yes, if you want more than just your weight. They offer a convenient way to monitor fitness progress and tailor your wellness routine, especially when synced with coaching apps.

    Q: What is the difference between body fat and BMI?

    A: BMI measures weight relative to height but ignores composition. Body fat percentage reveals how much of your weight is fat versus lean tissue, giving you a more accurate health picture.

    Q: How do I improve my body composition?

    A: Focus on strength training, balanced nutrition, sufficient sleep, and hydration. Use your body fat scale to track progress and make informed adjustments to your fitness routine.

    Q: Should I weigh myself daily?

    A: It is not necessary. Measuring 2–3 times a week under the same conditions (same time, same clothing) offers enough data to spot trends without becoming obsessive.

    Research Sources

    1. About adult BMI. (2020)

    2. Body-fat scale review

    3. Do body fat scales work? (2019)

    4. Assessment of adult body composition using bioelectrical impedance: Comparison of researcher-calculated to machine output values. 

    5. Hydrostatic underwater weighing. (n.d.).

    6. Association of changes in abdominal fat and cardiovascular risk factors.

    7. Visceral adipose tissue and residual cardiovascular risk: a pathological link and new therapeutic options

  • Top 10 Search Engines in 2025 That Go Beyond Google

    Top 10 Search Engines in 2025 That Go Beyond Google


    Like most people, I used to Google everything without thinking twice.

    (more…)

  • Homemade Sweet Chili Sauce (With Clean Ingredients)

    Homemade Sweet Chili Sauce (With Clean Ingredients)


    If you’re a sweet and spicy flavors fan, then this homemade sweet chili sauce may just be your new go-to condiment! It’s made with clean ingredients (no high fructose corn syrup here). Instead, you’ll find honey, garlic, and red pepper flakes for some kick. Sweet chili sauce is perfect for drizzling, dipping, or adding some sweet heat to your favorite dishes.

    What is Sweet Chili Sauce?

    Well, it’s delicious for one! Unlike my hot honey recipe, this one is cooked to help the flavors meld together. You’ll find natural honey for sweetness, coconut aminos and garlic for that umami flavor, and rice vinegar and lemon for a little acid to balance out the sweet. And of course, red pepper flakes for heat.

    Since this is homemade, you can add more or less pepper flakes depending on how spicy you like it. The recipe also uses non-gmo cornstarch to thicken, but arrowroot should work if you need a sub.

    How to Use Sweet Chili Sauce

    This works great as a dipping sauce for things like chicken wings, but it’s equally at home with roasted veggies. I also like adding it to stir-fries to give them a little zest. Try it with roasted or fried potatoes or pork. It’s way better than anything you’d find in a bottle at the store (hello MSG!), plus you can feel good about the ingredients.

    It’s easy to make and comes together in just a few minutes. And it lasts for up to three weeks in the fridge, so it’s easy to keep on hand to grab for a meal. Plus, it’s free of any artificial additives, dyes, or weird stuff, so you can have all of the sweet spice with none of the junk.

    Here’s how to make clean, sweet chili sauce that can elevate any meal!

    Sweet_Chili_Sauce

    Homemade Sweet Chili Sauce Recipe

    This sweet and spicy sauce is perfect for dipping, drizzling, or glazing!

    • In a medium saucepan, add all of the ingredients. Whisk everything together to ensure the cornstarch is fully dissolved before heating.

    • Place the saucepan over medium heat and bring the sauce to a gentle boil. Once it begins to boil, reduce the heat to medium-low and let the sauce simmer for about 5 minutes, stirring frequently. This will help the sauce thicken and the flavors to meld together.

    • After 5 minutes, remove the sauce from the heat. Let it cool for 5 to 10 minutes to thicken further. You’ll notice it becoming glossy and smooth as it cools.

    • Once the sauce has cooled to room temperature, pour it into a clean jar or bottle. Seal tightly and store it in the refrigerator. This sauce will stay fresh for up to 3 weeks.

    Nutrition Facts

    Homemade Sweet Chili Sauce Recipe

    Amount Per Serving (1 serving)

    Calories 61

    % Daily Value*

    Fat 0.03g0%

    Saturated Fat 0.01g0%

    Polyunsaturated Fat 0.01g

    Monounsaturated Fat 0.01g

    Sodium 129mg6%

    Potassium 15mg0%

    Carbohydrates 16g5%

    Fiber 0.1g0%

    Sugar 16g18%

    Protein 0.1g0%

    Vitamin A 50IU1%

    Vitamin C 1mg1%

    Calcium 3mg0%

    Iron 0.1mg1%

    * Percent Daily Values are based on a 2000 calorie diet.

    • Keep tightly sealed in the fridge for up to 3 weeks. Stir before each use.

    Recipes to Try

    Here are some recipes to try with your new sweet chili sauce:

    Have you used a sweet chili sauce before? What are your favorite foods to eat it with? Leave a comment and let us know!

  • Can jailed Duterte be Davao City mayor? Here’s what the law says

    Can jailed Duterte be Davao City mayor? Here’s what the law says


    PHOTO: Supporter with placard of Rodrigo Duterte behind bards FOR STORY: EXPLAINER: Can jailed Duterte be Davao City mayor? Here’s what DILG says

    A man carries a placard with a cutout of an image of former Philippine President Rodrigo Duterte behind bars, during the 80th birthday of Duterte, who remains in ICC custody for war crimes allegations, in Manila, Philippines, March 28, 2025. —Photo by Lisa Marie David | Reuters

    MANILA, Philippines — Former President Rodrigo Duterte overwhelmingly won the Davao City mayoral race last May, despite being locked away at the International Criminal Court (ICC) in The Hague, the Netherlands.

    The ex-leader was arrested and turned over to the international tribunal to face allegations of crimes against humanity committed during his administration’s drug war, in which an estimated 12,000 to 30,000 people were killed.

    Duterte’s term as Davao City mayor is set to begin on June 30, but he is still detained at the ICC, awaiting his confirmation of charges hearing on September 23.

    Can a jailed Duterte take office as mayor?

    Here is what the Department of the Interior and Local Government (DILG) says in a position paper by Undersecretary for External, Legal and Legislative Affairs Romeo Benitez:

    Benitez said no Philippine law disqualifies Duterte from taking his oath of office despite being detained at the ICC.

    In fact, the Constitution, the Administrative Code, and the Local Government Code require all public officials to take an oath of office before assuming duties, the DILG undersecretary stressed.

    Further, in a chance interview with reporters in Quezon City last May, DILG Secretary Jonvic Remulla said they recognized Duterte’s victory in the Davao City mayoral race.

    READ: Remulla to ask ICC if PH consul could swear in Duterte as Davao mayor

    Who can administer Duterte’s oath?

    Benitez pointed to Section 41 of the Administrative Code, which provides that the following officers have the general authority to administer oaths of office:

    • president
    • vice president
    • members and secretaries of either house of Congress
    • judiciary members
    • department secretaries
    • provincial governors and vice governors
    • city mayors
    • municipal mayors
    • bureau directors
    • regional directors
    • clerks of courts
    • registrars of deeds
    • other civilian officers in the public service of the government of the Philippines whose appointments are vested in the president and are subject to confirmation by the Commission on Appointments
    • all other constitutional officers
    • notaries public
    • barangay chairpersons

    “In administering oaths of office, personal appearance is required as the oath needs to be signed in the presence of the authorized official,” Benitez said.

    In Duterte’s case, the nearest officials authorized to administer the oath of office are the Philippine ambassador and consul to the Netherlands, he went on.

    “Both [are] appointees of the President and subject to the confirmation of the Commission on Appointments,” he added.

    J. Eduardo Malaya is the Philippines’ ambassador to the country’s embassy in the Hague.

    Can the Philippine ambassador and consul administer Duterte’s oath at the ICC?

    Benitez cited Article 6 of the Vienna Convention, which states: “A consular officer may, in special circumstances, with the consent of the receiving State, exercise his functions outside his consular district.”

    The Vienna Convention is an international agreement on diplomatic and consular relations, to which the Philippines and the Netherlands are parties.

    “The Department, however, shall defer to the existing rules and mechanisms of the Department of Foreign Affairs on this specific authority and the matter of securing ICC permission for said purpose,” Benitez said.

    Remulla previously said the DILG will ask the ICC if the Philippines can send a consul to administer Duterte’s oath.

    READ: ‘Work from Hague’: Duterte wins mayor’s race, but can he govern?

    Will Duterte be able to assume office if he takes his oath?

    “If [Duterte] is able to take an oath of office, his detention renders him both physically and legally temporarily incapable of performing his duties and functions as mayor,” Benitez said.

    He pointed to Section 46 of the Local Government Code, which provides that the vice-mayor will automatically assume the office as acting mayor.

    In this case, Vice Mayor-elect Sebastian Duterte will take his father’s place in an acting capacity.

    And who will be his vice-mayor?

    The highest-ranking Sangguniang Bayan member will be designated by the DILG secretary as acting vice mayor, Benitez said, citing Administrative Order No. 15 series of 2018.

    What happens if Duterte is unable to take his oath?

    Benitez pointed to Section 11 of the Batas Pambansa No. 881 or the Omnibus Election Code, which states: “The office of any official elected who fails or refuses to take his oath of office within six months from his proclamation shall be considered vacant, unless said failure is for a cause or causes beyond his control.”

    “Having failed to qualify, a permanent vacancy ensues in his office calling for the assumption of the vice-mayor as the new local chief executive and the highest-ranking sanggunian member as vice-mayor, pursuant to Section 44 of the Local Government Code,” Benitez said.

    “The DILG shall recognize the validity of the oath of office administered to a public official, including FPRRD, so long as it complies with Philippine constitutional and legal requirements. We shall monitor the developments and act accordingly,” he added.



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