What do Tom Hanks’s Captain Sullenberger, Sarah Connor, Mad Max, and email marketing all have in common? They’re survivors that defy extinction against all odds.
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Triple-I Blog | Texas: A Microcosmof U.S. Climate Perils
Devastating flooding in central Texas over the July 4, 2025, weekend highlighted several aspects of the state’s risk profile that also are relevant to the rest of the country, according to the latest Triple-I Issues Brief. One is the rising incidence of severe inland flooding related to tropical storms.
Tropical Storm Barry made landfall in Mexico on June 29 and weakened quickly, but its remnant moisture drifted northward into Texas, according to Dr. Phil Klotzbach, a research scientist in the Department of Atmospheric Science at Colorado State University and a Triple-I non-resident scholar.
“A slow-moving low-pressure area developed and helped bring up the moisture-rich air rom Barry and concentrated it over the Hill Country of central Texas,” Klotzbach said. “The soil was also extremely hard from prior drought conditions, which exacerbated the flash flooding that occurred.”
Such flooding far from landfall has become more frequent and severe in recent years. In Texas – as in much of the United States, particularly far from the coasts – few homeowners have flood insurance. Many believe flood damage is covered by their homeowners’ or renters’ insurance. Others believe the coverage is not worth buying if their mortgage lender doesn’t require it. In Kerr County, where much of the July 4 flooding took place, flood insurance take-up rates through the National Flood Insurance Program (NFIP) were 2.5 percent.
Convective storms, fires, and freezes
But tropical storms aren’t always the impetus for flooding. In July 2023, a series of intense thunderstorms resulted in heavy rainfall, deadly flash floods, and severe river flooding in eastern Kentucky and central Appalachia. The conditions that lead to such severe convective storms also are prevalent in Texas.
Severe convective storms are a growing source of losses for property/casualty insurers. According to Gallagher Re, severe convective storm events in 2023 and 2024 “have cost global insurers a remarkable US$143 billion, of which US$120 billion occurred in the U.S. alone.”
Given its aridity and winds, it should be no surprise that Texas is highly subject to wildfire – but the state also has been increasingly prone to severe winter storms and debilitating freezes. On Valentine’s Day 2021, snow fell across most of Texas, accumulating as temperatures stayed below freezing and precipitation continued through the night. A catastrophic failure of the state’s independent electric grid exacerbated these conditions as snow and ice shut down roads and many homes suffered pipe bursts and multiple days without power.
Texas’s 2021 experience illustrates how grid instability can act as a “risk multiplier” for natural disasters. The entire U.S. electric power grid is increasingly vulnerable as the infrastructure ages and proliferating AI data centers increase demand.
Need for data and collaboration
The severe damage and loss of life from the July 4 flooding have naturally raised the question of whether the Trump Administration’s reductions in National Weather Service staffing contributed to the high human cost of this event. While it is hard to say with certainty, these cuts have affected how NWS works – for example, in its use of weather balloons to monitor weather. As early as April, staffing data gathered by NWS indicated that field offices were “critically understaffed”.
In June, panelists at Triple-I’s Joint Industry Forum expressed concern about the impact of the federal cuts on weather monitoring and modeling, as well as programs to help communities adequately prepare for and recover from disasters. Triple-I has published extensively on the need for insurers to shift from exclusively focusing on repairing and replacing property to predicting events and preventing damage.
Collective action at all levels – individual, commercial, and government – is needed to mitigate risks, build resilience, and reduce fraud and legal system abuse. Triple-I and its members are committed to fostering such action and regularly provide data and analysis to inform the necessary conversations.
Learn More:
Triple-I Brief Highlights Rising Inland Flood Risk
Hurricane Helene Highlights Inland Flood Protection Gap
JIF 2025: Federal Cuts Imperil Resilience Efforts
Weather Balloons’ Role in Readiness, Resilience
ClimateTech Connect Confronts Climate Peril From Washington Stage
BRIC Funding Loss Underscores Need for Collective Action on Climate Resilience
JIF 2024: Collective, Data-Driven Approaches Needed to Address Climate-Related Perils
Texas Winter Storm Costs Raise Extreme-Weather Flags for States, Localities
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Cost Inflation Index (CII) in Capital Gains
Cost Inflation Index (CII) is a critical tool in India’s tax system, used to adjust the purchase price of long-term assets to account for inflation. This adjustment helps reduce the taxable portion of capital gains when assets like property, gold, or debt mutual funds are sold.
Without CII, investors would pay taxes on gains that simply reflect inflation rather than real profit. Understanding how capital gains tax indexation works through CII can significantly lower your tax liability. In this blog, we’ll break down the full form of CII, its purpose, calculation method, and why it’s essential in long-term asset planning.
For asset-specific strategies or complex scenarios, consulting a tax planner, investment advisor, or professional tax consultant is highly recommended.
What Is the Cost Inflation Index (CII)?
The Cost Inflation Index (CII) is a crucial component of India’s income tax framework, especially when calculating long-term capital gains. It allows taxpayers to adjust the purchase price of assets to reflect inflation, thereby reducing taxable gains.
CII is a capital gain index notified annually by the Central Board of Direct Taxes (CBDT) under Section 48 of the Income Tax Act, 1961.
Here’s why it matters:
- Purpose: The CII is used to calculate the indexed cost of acquisition for long-term capital assets.
- Application: It applies to the sale of:
- Real estate (residential or commercial property)
- Land
- Gold and other physical assets
- Debt mutual funds
- Any other capital assets (except equity mutual funds and certain bonds)
- Impact: By factoring in inflation, the CII ensures you’re taxed on real profit—not just inflationary gain.
This inflation-adjusted computation is key for individuals and businesses to reduce their capital gains tax. Without it, you’d end up paying tax on gains that merely reflect the rising cost of living rather than actual returns.
In summary, understanding and applying the Cost Inflation Index (CII) is essential when disposing of long-term capital assets, especially if you aim to optimize your tax outgo legally and efficiently.
How Does the Cost Inflation Index Work?
Let’s break it down.
When you sell a long-term capital asset, your profit is the difference between the sale price and the purchase price of the asset. However, inflation erodes the value of money over time. What you paid for a house 10 years ago cannot be directly compared to today’s prices. To account for this disparity, the indexed cost of acquisition is calculated using the CII.
The Formula for Indexed Cost:
Indexed Cost of Acquisition =
(CII of the year of sale × Cost of Acquisition) / (CII of the year of purchase)This adjusted cost is then deducted from the sale price to compute long-term capital gains (LTCG).
Why Was the Base Year Changed?
Initially, the base year for CII was 1981. However, in 2017-18, the government revised the base year to 2001, to simplify asset valuation and eliminate disputes over outdated documentation. So, the capital gain index chart now uses 2001-02 as the base year with a value of 100.
If an asset was acquired before April 1, 2001, the Fair Market Value (FMV) as of April 1, 2001, can be considered as the purchase price for capital gain index calculation.
What Is the Capital Gain Index Chart?
Here’s a glimpse into the cost inflation index table for recent years:
Financial Year Cost Inflation Index (CII) 2024-25 363 2023-24 348 2022-23 331 2021-22 317 2020-21 301 2019-20 289 2018-19 280 2017-18 272 2001-02 (Base) 100 The complete indexation chart is published every year by the CBDT and can be referred to for calculating capital gains.
How to Use the Cost Inflation Index in Capital Gains
Let’s understand the application of CII with an example:
Example
Mr. Arjun purchased a property in FY 2004-05 for ₹10,00,000 and sold it in FY 2022-23 for ₹50,00,000.- CII for FY 2004-05 = 113
- CII for FY 2022-23 = 331
Indexed Cost of Acquisition = (331 × ₹10,00,000) / 113 = ₹29,29,204
Long-term Capital Gain = ₹50,00,000 – ₹29,29,204 = ₹20,70,796
Now, instead of paying tax on ₹40,00,000 (straight difference), Mr. Arjun only pays tax on ₹20.70 lakhs—thanks to indexation for capital gains.
Important Points to Know
- Minimum Holding Period
For an asset to qualify as a long-term capital asset:- Real estate and gold: Held for more than 24 months
- Debt mutual funds: Held for more than 36 months
- No Indexation on Certain Assets
- Equity shares and equity mutual funds are taxed differently and do not qualify for indexation.
- Bonds and debentures are also excluded, except for capital indexed bonds and sovereign gold bonds issued by the RBI.
- Inherited or Gifted Assets
If you inherit or receive an asset as a gift, the holding period of the previous owner is also counted, and indexation benefits apply accordingly. - Improvement Cost
Any cost incurred to improve the asset post-2001 is eligible for indexation using the inflation rate formula.
How to Use the Cost Inflation Index Calculator
Several online platforms provide a cost inflation index calculator where you can simply enter:
- Year of purchase
- Year of sale
- Purchase cost
And the tool will compute the indexed cost and capital gains automatically. This is especially useful for non-financial users.
Still, if you’re unsure, you may consult an investment advisor or an online financial advisor in India to help with more complex assets and tax implications.
Benefits of Using CII in Capital Gains Calculation
1. Tax Savings
By adjusting the cost of the asset for inflation, your taxable gains reduce, which lowers your capital gains tax.
2. Encourages Long-Term Investing
Indexation benefits are only available on long-term capital assets, thus motivating investors to hold assets longer.
3. Helps Track Real Gains
It separates real income from inflationary income and ensures you’re taxed only on actual profits.
How Businesses Can Benefit from Indexation in Asset Disposal
Indexation isn’t just beneficial for individuals—businesses and SMEs can also significantly reduce their capital gains tax liabilities by applying the Cost Inflation Index (CII) when disposing of long-term capital assets. These may include land, buildings, equipment, or intangible assets like patents and trademarks.
Since such assets are typically acquired years before disposal and recorded at historical cost, the difference between book value and market value at the time of sale can result in hefty tax burdens. This is where indexation becomes a powerful tool.
Here’s how businesses can benefit:
- Tax Efficiency: By applying the capital gain index, companies can adjust the acquisition and improvement costs of long-held assets for inflation. This helps lower the net taxable gains.
- Better Planning During Restructuring: During mergers, acquisitions, or internal reorganizations, indexation ensures realistic valuations and prevents inflated profits on paper.
- Automated Compliance: Businesses using modern accounting tools can integrate cost inflation index calculators to simplify calculations and reduce manual errors.
- Avoid Tax Overstatement: CII helps ensure that taxes are calculated on real gains rather than nominal increases due to inflation.
Despite automation, businesses should:
- Consult a tax consultant to ensure correct application of indexation principles.
- Use expert guidance from an online financial advisor in India to interpret recent changes and notifications by the Income Tax Department.
By strategically leveraging indexation for capital gains, businesses can strengthen their tax planning approach while maintaining compliance.
CII and SIP-Based Investments
Although CII doesn’t apply to equity-oriented SIPs, it plays a major role in calculating capital gains for debt mutual fund SIPs. For each installment of the SIP, the holding period is calculated separately, and eligible ones can get indexed.
If you’re exploring long-term SIPs in debt instruments, speaking to a sip investment planner or financial consultant can help optimize returns and minimize tax outgo.
CII for Tax Planning
Effective use of the capital gain index is a smart move for investors and property holders looking to legally reduce their tax liabilities. The CII index allows you to adjust the cost of acquisition based on inflation, ensuring you’re not overpaying tax on your capital gains.
Here’s how you can leverage the Cost Inflation Index in practical scenarios:
- Selling inherited property: The CII index can be applied to the Fair Market Value as of April 1, 2001, ensuring lower taxable gains when disposing of ancestral or inherited assets.
- Redeeming debt mutual funds: For long-term holdings, indexation helps reduce your tax burden by inflating the purchase cost in line with inflation.
- Managing multiple capital assets: If you own various assets acquired over different years, applying the relevant CII values helps compute accurate gains across your portfolio.
Whether you’re a first-time investor or someone dealing with complex asset structures, a strong understanding of indexation is essential for smart tax planning.
If you’re unsure how to calculate indexed gains or apply them to various asset types:
- Seek help from a tax consultant or an investment advisor.
- You may also consider tax consultation services for a more comprehensive review of your portfolio.
- A local tax consultant in Bangalore or any other city can help tailor strategies specific to your investment and asset history.
Incorporating the Cost Inflation Index (CII) into your tax planning not only helps you stay compliant but also ensures you’re making the most of available deductions.
Conclusion
The Cost Inflation Index (CII) is more than just a number—it’s a tax-saving tool that can have a significant impact on your capital gains. Understanding how to use it effectively ensures that your tax burden reflects true economic gain, not just inflation.For professional assistance, reach out to a professional tax consultant, investment advisor, or financial consultant who can guide you on optimizing your investments with the right tax strategy.
Ansari Khalid
Tags: capital gains tax indexation, Finance Planner, Financial Planning, income tax saving, indexation for capital gains, investment planning
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12 Natural Boosters For Fat Loss
When it comes to losing weight, the spotlight usually falls on calorie tracking, meal plans, and workouts. But often, the smaller players, like those ingredients sitting quietly on your kitchen shelf, go unnoticed. Herbs, for instance, may not seem like weight-loss warriors, but many of them can subtly and effectively support your journey.
Surprisingly, specific natural herbs for weight loss can influence appetite, improve digestion, and enhance metabolism. While they are not miracle cures, they can undoubtedly amplify the results of a balanced lifestyle when used consistently and correctly.
This article explores 12 scientifically-backed herbs that help you lose weight. You will discover their functions, how they work in the body, and the practical ways you can use them in your everyday meals or routines. If you have ever wondered whether any spice is good for burning fat, this guide has the answers.
12 Natural Herbs for Weight Loss
Let us explore the best herbs for weight loss. Each selection is supported by scientific findings, showing how it may help reduce fat absorption, curb cravings, and boost metabolism.
1. Turmeric
Turmeric is best known for its active compound, curcumin. Beyond its anti-inflammatory properties, research shows that curcumin supports fat loss by enhancing thermogenesis. It is the process by which the body generates heat and burns calories.
In one clinical study, overweight participants who took curcumin supplements twice daily for 30 days saw a reduction in belly fat and lost up to 5% of their body weight. Curcumin helps reduce adipogenesis, the formation of new fat cells, and increases fat breakdown. Turmeric can also help regulate insulin and blood sugar levels. That makes it useful for those with insulin resistance or metabolic syndrome.
You can sprinkle turmeric into soups, curries, or smoothies. For better absorption, combine it with a pinch of black pepper and a healthy fat like olive oil.
2. Fenugreek
Fenugreek is one of the most effective herbs for weight loss. Rich in soluble fiber, it helps slow digestion, promote satiety, and reduce appetite. This means that it can keep you full for longer and ensure that your calorie consumption is kept in check.
One study found that consuming 8 grams of fenugreek fiber daily reduced hunger and decreased fat intake by 17%. This natural herb has also shown promise in regulating blood glucose levels, which may curb sugar cravings. It is no secret that cravings are a common barrier to weight loss.
Fenugreek can be consumed as soaked seeds, as a powder in herbal teas, or added to Indian-style lentil dishes and flatbreads.
3. Cinnamon
Among the most widely used herbs good for weight loss, cinnamon plays a significant role in stabilizing blood sugar levels and improving insulin sensitivity.
Its primary bioactive compound, cinnamaldehyde, may enhance thermogenesis and reduce appetite. Cinnamon may slow the breakdown of carbohydrates in the digestive tract, which will help avoid sugar spikes and energy crashes.
A daily dose of half a teaspoon in oatmeal, coffee, or Greek yogurt can make a flavorful and functional addition to your diet.
4. Cayenne Pepper
Cayenne pepper contains capsaicin, a compound known to raise metabolic rate and reduce hunger. Capsaicin stimulates the body’s fat-burning processes by increasing energy expenditure and enhancing lipid oxidation.
In one study, individuals who consumed capsaicin burned 50 more calories per day and experienced fewer hunger pangs. Capsaicin also reduces levels of ghrelin, the hunger hormone, while increasing satiety.
Use cayenne to spice up soups, roasted veggies, scrambled eggs, or even salad dressings.
5. Cumin
Cumin is not just a kitchen staple; it is one of the most potent weight-reducing herbs. Studies show that it helps accelerate metabolism, improve digestion, and enhance fat breakdown.
In one trial, women who added 3 grams of cumin to yogurt twice daily for three months lost significantly more weight than the control group. Cumin’s thermogenic properties and its ability to enhance bile secretion can improve fat digestion and nutrient absorption.
You can add it to lentils, beans, and stir-fried vegetables or use it as a dry rub for chicken or tofu.
6. Ginger
Ginger has long been used in herbal medicine to manage nausea and improve digestion. However, not many know that it also plays a key role in fat-burning remedies.
Clinical studies indicate that ginger boosts metabolism, reduces fat absorption, and increases satiety. It may also suppress inflammation and oxidative stress, which are often elevated in people with obesity.
Ginger tea, fresh ginger in stir-fry, or grated ginger in smoothies are all simple ways to incorporate this herb into your weight loss strategy.
7. Caralluma Fimbriata
Caralluma Fimbriata is often used in natural weight-loss supplements. It can suppress appetite by increasing serotonin levels. As a result, this herb reduces the desire to overeat and keeps calorie intake in control.
In a 12-week clinical trial, participants who took Caralluma extract experienced more significant reductions in waist circumference and hunger levels compared to a placebo group.
Caralluma is usually consumed in capsule form and should be taken under the guidance of a healthcare provider.
8. Green Coffee Bean Extract
Green coffee beans are simply unroasted coffee beans that contain chlorogenic acid. This compound can help reduce fat accumulation and improve glucose metabolism.
A review of three studies revealed that green coffee extract helped participants lose an average of 5.5 pounds more than those on a placebo. It may also reduce abdominal fat by limiting fat absorption in the gut.
Green coffee bean extract is commonly available as a supplement. One should consume it in moderation and preferably under expert guidance.
9. Black Pepper
Black pepper contains piperine, which enhances the absorption of other nutrients (like curcumin) and disrupts the formation of new fat cells.
Studies show that piperine supplementation can lead to reduced body weight, even without changes in food intake. In some cases, it can also block the genes responsible for new fat cell formation.
Sprinkle black pepper generously on eggs, salads, and soups. It works best when paired with other spices like turmeric or cumin.
10. Gymnema Sylvestre
Gymnema is widely used in Ayurvedic medicine for its ability to regulate blood sugar levels. The herb contains gymnemic acid, which temporarily suppresses the taste of sweetness and reduces sugar cravings.
Studies have shown that individuals taking Gymnema consume fewer calories and report a reduced desire for sweets. It may also improve insulin function and reduce fat storage in the liver.
Gymnema is available as a tea or in capsule form. It is best used as a short-term appetite suppressant.
11. Ginseng
Ginseng, particularly Korean or American ginseng, has shown promise in promoting weight loss through its ability to alter fat metabolism.
In a study, overweight participants who consumed ginseng twice a day for eight weeks experienced weight loss and improved gut microbiota diversity. The herb appears to influence adipogenesis and fat absorption in the intestine.
Ginseng can be consumed in teas and soups or as a standardized extract. Start with low doses and increase gradually as tolerated.
12. Oregano
Oregano is rich in carvacrol, a compound that may help block the genes involved in fat synthesis. Studies show that carvacrol supplementation reduces body weight and visceral fat accumulation.
While human studies are still limited, oregano’s antioxidant and anti-inflammatory properties support metabolic health, making it useful in a weight-conscious diet.
Use dried oregano liberally in sauces, marinades, and salad dressings for both flavor and function.
Excellent Herbal Remedies for Fat Absorption
Even with a balanced diet, managing fat absorption can contribute to sustainable weight loss. Here are five herbal remedies that support fat metabolism and help prevent fat storage.
1. Ginger-Cinnamon Tea
Ginger increases thermogenesis and reduces appetite. Cinnamon stabilizes blood sugar and prevents cravings. Together, they improve digestion and prevent fat accumulation.
Preparation
Boil 1 cup of water with 1 tsp of fresh grated ginger and ½ tsp of cinnamon. Let it steep for 10 minutes.
2. Fenugreek Water
This simple remedy slows down digestion and enhances satiety. It also supports insulin sensitivity, making it useful for fat loss and sugar control.
Preparation
Soak 1 tbsp of fenugreek seeds overnight. In the morning, strain and drink on an empty stomach.
3. Green Coffee Bean Smoothie
The chlorogenic acid in green coffee reduces fat absorption. When combined with fiber-rich greens and healthy carbs, it promotes fullness and curbs mid-morning snacking.
Preparation
Blend 1 scoop of green coffee extract with almond milk, spinach, and 1 banana.
4. Turmeric-Pepper Detox Drink
Curcumin boosts metabolism and blocks fat production. Piperine from black pepper enhances its absorption. Lemon adds vitamin C and digestive benefits.
Preparation
Mix 1 tsp turmeric, a pinch of black pepper, and the juice of ½ lemon in warm water.
5. Ginseng Herbal Broth
Ginseng may suppress appetite and promote fat oxidation. As part of a light dinner or pre-lunch soup, it can enhance satiety and minimize caloric intake.
Preparation
Simmer 1 tsp dried ginseng root with vegetable broth and herbs.
How to Use Herbs Safely for Weight Loss
Herbs can offer metabolic support and appetite control, but one must use them safely to prevent side effects or complications. Here are four key points to remember.
1. Start Small and Observe
Introduce one herb at a time in small doses. Starting slow allows your body to adjust and gives you time to track any reactions, sensitivities, or digestive changes. For example, begin with a pinch of turmeric or a few soaked fenugreek seeds.
2. Follow Recommended Dosages
Whether you are consuming herbs in food or supplement form, stick to the suggested dose. For instance, no more than 1 tablespoon (about 14 grams) of powdered herbs per day. One must take supplements according to label instructions unless your doctor advises otherwise.
3. Avoid Interactions with Medication
If you are taking medication for diabetes, high blood pressure, or any chronic condition, consult your healthcare provider before adding herbs. Some herbs, like Gymnema or ginseng, can lower blood sugar levels and may interact with medications.
4. Choose Reputable Sources
Not all herbal supplements are created equal. Always purchase from trusted brands that provide third-party lab testing and transparent ingredient lists. Avoid products with artificial fillers, unverified health claims, or excessive combinations of multiple herbs in one capsule.
HealthifyMe Note
When people think about weight loss, their mind often races to cardio machines, protein-packed meals, and calorie counters. But what if we paused and paid attention to the little things we overlook? For example, the herbs simmering in our soups or the seeds steeping in our tea? As a nutrition expert at HealthifyMe, I often remind my clients that fat loss is not only about restriction; it is also about smart inclusion. Natural herbs to lose weight offer subtle, sustainable support when woven into a balanced lifestyle. They do not work alone, nor do they promise miracles. But they help in quiet, powerful ways. The real key lies in understanding your body and identifying which herbs help with your digestion, metabolism, or cravings. With personalized plans and careful strategizing, even a sprinkle of the right herb can tip the balance in your favor. Weight loss is a reflection of how well you listen to your body. And sometimes, your spice rack can be a great help.
The Final Word
There is no single herb that will melt the pounds away, and no tea that will cancel out a high-sugar diet. But when used consistently and wisely, herbs can complement your efforts and support you from the inside out. From turmeric’s anti-inflammatory boost to fenugreek’s ability to tame your appetite, each herb has a role in helping you move closer to your goals.
What makes these weight loss herbs so powerful is not just their chemical properties; it is their place in a broader lifestyle built on mindful eating, informed decisions, and long-term consistency. The best herbs for weight loss are those you can effortlessly incorporate into your daily meals and routines without depending on extremes or quick fixes.
Every individual deserves a plan that honors their preferences, pace, and priorities. That is why the Healthify Smart Plan, powered by AI Coach Ria, takes the guesswork out of eating. Whether you are looking for fat-burning remedies, personalized weight-loss herb recipes, or ways to balance your meals naturally, this AI-backed platform helps you choose ingredients that suit your body’s needs. With this information, maybe you will start seeing your spice cabinet a little differently.
Frequently Asked Questions (FAQs)
Q: Do herbs actually help with weight loss?
A: Yes, certain herbs can support weight loss when paired with a balanced diet and exercise. Herbs like turmeric, fenugreek, and cayenne pepper may influence metabolism, appetite, and fat absorption. However, they are not standalone solutions. They work best as part of a comprehensive lifestyle strategy.
Q: Which is the most effective herb for fat burning?
A: Turmeric is one of the most studied herbs for fat loss due to its active compound, curcumin. It may promote thermogenesis and reduce fat storage. Other herbs for fat loss, like cayenne pepper and cumin, also show positive effects on metabolism and appetite suppression.
Q: How can I include herbs in my daily diet for weight loss?
A: Start by using herbs in cooking. For example, you can add ginger to stir-fries, cinnamon to oatmeal, and turmeric to soups. You can also brew them as herbal teas or take them in capsule form if needed. The key is consistency and moderation.
Q: Are there any side effects to using herbs for weight loss?
A: Most herbs are safe when consumed in culinary amounts. However, taking high doses or combining multiple herbal supplements can lead to side effects. Always consult a healthcare provider if you are on medications, pregnant, or managing chronic health conditions.
Q: Can herbs replace diet or exercise in a weight loss plan?
A: No. Herbs good for weight loss act as supportive tools but cannot replace calorie control, nutrient-rich meals, or physical activity. They work best when used alongside a structured, sustainable health routine.
Q: What are some proven herbal remedies for fat absorption?
A: Some proven herbal remedies for fat absorption include turmeric with black pepper, fenugreek water, ginger tea with cinnamon, and green coffee bean smoothies. These help regulate metabolism and may reduce the formation or absorption of fat cells.
Q: Are there herbs for extreme weight loss?
A: Some natural herbs like Caralluma fimbriata and green coffee extract have been linked to greater fat reduction, but “extreme” results depend on multiple factors. Herbs may amplify results, but should not be used for rapid weight loss without medical supervision.
Q: What is the difference between fat-burning spices and weight-reducing herbs?
A: Spices like cayenne or black pepper primarily increase thermogenesis, while weight-reducing herbs like gymnema or fenugreek work on appetite and glucose regulation. Both can help with weight management, but through different mechanisms.
Research Sources
3. Curcumin inhibits adipogenesis in 3T3-L1 adipocytes and angiogenesis and obesity in C57/BL mice
4. Fenugreek and Its Effects on Muscle Performance: A Systematic Review
9. Capsaicin for Weight Control: “Exercise in a Pill” (or Just Another Fad)?
10. The effects of hedonically acceptable red pepper doses on thermogenesis and appetite
11. Effect of cumin powder on body composition and lipid profile in overweight and obese women
16. Serotonin controls feeding and satiety
21. Effect of piperine in the regulation of obesity-induced dyslipidemia in high-fat diet rats
23. A systematic review of Gymnema sylvestre in obesity and diabetes management
24. Effects of sweetness perception and caloric value of a preload on short-term intake
25. Influence of Panax ginseng on obesity and gut microbiota in obese middle-aged Korean women
26. Effects of Korean white ginseng extracts on obesity in high-fat diet-induced obese mice
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‘I Told You So’: Maxine Waters Predicts Massive Fraud If Crypto Bills Pass
Representative Maxine Waters (D-CA) has issued a forceful rebuke of two proposed cryptocurrency bills, known as the CLARITY Act and the GENIUS Act: she warned their passage would “open the floodgates to massive fraud” and repeat the deregulatory mistakes that led to past financial crises.
What Happened: In an opinion piece published on Monday, Waters, who represents California’s 43rd congressional district, argued that the crypto bills represent a direct threat to consumer safety, financial stability, and national security.
“What we’re witnessing isn’t just unethical,” she wrote. “It’s the largest fraud and abuse of power in modern history.”
The House is expected to vote on the bills this week. Proponents argue the legislation will create a pro-innovation regulatory framework for digital assets.
But Waters dismissed those claims, contending the bills were “written by and for the crypto industry” and likening them to the Gramm-Leach-Bliley Act of 1999, which dismantled banking safeguards and was later blamed for exacerbating the 2008 financial crisis.
Waters sharply criticized how both bills would constrain regulators from acting preemptively against fraud.
“The CLARITY Act handcuffs the Securities and Exchange Commission,” she warned, claiming it would leave investors exposed until after collapses like FTX have already taken place.
The GENIUS Act, she argued, offers “weak consumer protections” for stablecoin users and provides no meaningful funding for oversight.
She also warned that its provisions enable foreign-controlled crypto operations and fail to guard against national security risks.
Why It Matters: Waters linked the bills to President Donald Trump, claiming they “would legitimize and legalize the unprecedented crypto corruption by the president of the United States.”
According to her statement, Trump has allegedly used his office to strike crypto deals abroad and personally benefited from “shady” ventures, adding $1.2 billion to his wealth through digital assets.
Democrats had proposed several amendments aimed at limiting presidential overreach and improving regulatory safeguards during committee discussions.
Waters said each one was rejected by Republicans.
“These bills will only strengthen Wall Street’s dominance alongside Big Tech, while squeezing out smaller innovators,” she wrote. “They give megabanks and Big Crypto the green light to consolidate control.”
With the 15th anniversary of the Dodd-Frank Act approaching, Waters warned that lawmakers risk repeating history. “Passing the CLARITY and GENIUS Acts would prove that we learned nothing from that disaster,” she said. “If these bills become law, America will eventually face its first crypto financial crisis.”
Read Next:
Image: Shutterstock
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Gabriel Tapales scores brutal K.O, shows concern for fallen foe
Gabriel Tapales rushed to help his opponent Ian Donaire, lying motionless on the canvas. | Sanman Boxing video screen grab
CEBU CITY, Philippines — Gabriel Tapales may have delivered a highlight-reel knockout, but it was his compassion that stole the spotlight.
The 22-year-old younger brother of former world champion Marlon Tapales went viral on social media not just for his devastating finish, but for how he responded after the feat.
Tapales floored Ian Donaire with a vicious combination in the second round of their eight-round non-title bout during a Sanman Boxing card held on July 11 in General Santos City.
READ:
Manny Pacquiao hell-bent on becoming world champion anew
Jerusalem, Tapales are first Pacquiao-Elorde ‘Boxers of the Year’ awardees
Pacquiao solves lingering cramps issue ahead of Barrios bout
The bout ended suddenly when Tapales landed a clean left straight followed by a crushing left hook as Donaire was already falling. The impact sent Donaire crashing face-first to the canvas where he lay motionless for a few tense moments.
Instead of celebrating, Tapales immediately rushed beside Donaire, visibly shaken by the brutal ending. He tried to assist his unconscious opponent but was advised by his corner to let medical personnel handle the situation. Fortunately, Donaire regained consciousness after a few minutes and appeared to be out of danger.
In the post-fight interview, Tapales was visibly emotional.
“Luoy kaayo, murag gikumot akong kasing-kasing. Kahilakon kaayo ko ganiha, dili madala ug celebrate pero okay lang, safe ra man,” he said.
(“I really felt sorry, like my heart was crushed. I almost cried earlier. I couldn’t even celebrate, but it’s okay—he’s safe.”)
Tapales, fighting under the Sanman Boxing Gym banner, improved his professional record to 8-1, with six of those wins coming by knockout. The win marked his seventh straight victory, adding momentum to his rising career.
Donaire, on the other hand, dropped to 5-5-1 with four knockouts. It was his third consecutive loss, all via stoppage.
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How to Check If Your Mutual Funds Are in Demat or SOA Format?
Learn how to check if your mutual funds are in Demat vs SOA format. Understand Groww’s new approach and know where your mutual fund units are held.
Mutual funds have always been considered one of the simplest investment tools for every common investor. But lately, a lot of investors are waking up to a new surprise — they are realising that their mutual fund units are not in the format they thought!
This confusion came to light recently when Groww, a popular direct mutual fund platform, quietly shifted fresh mutual fund investments of many investors into Demat format instead of the usual SOA (Statement of Account) format. Many new investors didn’t even realise this switch was happening.
In this blog post, let’s understand:
- What is Demat vs SOA format?
- What happened with Groww and why it matters.
- How YOU can check if your mutual fund units are in Demat or SOA format.
- Which format is better for you as a long-term investor.
What is Demat and SOA Format?
When you invest in mutual funds, there are two ways your units can be held: Demat format or SOA format (refer my post “Should You Hold Mutual Funds in Demat Form? Pros & Cons“).
Demat Format:
- Your mutual fund units are stored in your Demat account, just like stocks.
- You buy/sell units through a stockbroker or trading platform.
- Your units show up in your stock holdings.
- Charges like Demat AMC and brokerage may apply.
SOA Format:
- Your units are directly held with the AMC (mutual fund company) or with the registrar (like CAMS or KFintech).
- You get a Statement of Account (SOA) as proof.
- You transact directly with the AMC or through platforms like MF Utility, or trusted advisors.
- There are no Demat-related charges.
Both methods are legal. But the difference shows up when you switch funds, redeem, or look at costs and convenience.
What Happened Recently with Groww?
Many of you might have read my recent article about Groww’s silent shift (Groww Demat Mutual Funds: Should You Switch or Stay?). Groww, which started as a mutual fund-only platform, later became a full-fledged stock broker too. Recently, they quietly converted new mutual fund purchases into Demat format instead of SOA.
So, if you invested in mutual funds on Groww expecting the usual SOA, you might now find your units in your Demat account instead. Many investors didn’t know this was happening — and are now confused at the time of redemption or when trying to switch funds.
This is exactly why this article is important — so you don’t get any surprise when you need your money!
Why Does It Matter?
Let’s refresh the key differences with a simple table:
Aspect Demat Format SOA Format Where your units are In your Demat account with your broker Directly with AMC/Registrar How you transact Through broker platforms Through AMC or RTA portals Switches between funds Not possible, you must redeem and reinvest Easy within the same AMC Extra charges Demat annual charges, brokerage Usually none Transmission (after death) Follows Demat account rules Easier if nominee is updated Who controls your data Broker + Depository AMC/Registrar directly In the Groww incident, the main issue was lack of clear communication. Many investors didn’t know about this shift and naturally felt cheated when they discovered that redemption/switch processes were not as simple as before.
How to Check If YOUR Mutual Funds Are in Demat or SOA?
If you’re wondering, “Are my units in Demat or SOA?”, here are some simple checks you can do today:
1) Log In to Your Broker Account
If you use Groww, Zerodha, Upstox, ICICI Direct, HDFC Securities or any stockbroker:
- Check your Holdings/Portfolio section.
- If you see your mutual funds listed along with your stocks — they are in Demat format.
- If not, they may still be in SOA.
For Groww users specifically:
If you invested before Groww started the Demat shift, your old units are probably still in SOA format.
If you invested recently, chances are they are in Demat format.2) Look at Statements from AMC or Registrar
If you receive statements from AMCs (like HDFC Mutual Fund, SBI Mutual Fund) or from CAMS/KFintech, those show SOA holdings.
- Check your email for any SOA or Unit Statements.
- If you get these, your units are in SOA.
- If you only see your units in your Demat account and no SOA, then they are in Demat format.
3) Check CAS (Consolidated Account Statement)
If your units are in Demat, they appear in your NSDL/CDSL CAS (the same statement that shows your stocks).
If your units are in SOA, they will appear in a separate statement from CAMS/KFintech.
So, check both:
- NSDL/CDSL ? For Demat units.
- CAMS/KFintech ? For SOA units.
4) Try myCAMS or KFinKart Apps
These apps show all your SOA folios.
- Download myCAMS or KFinKart, log in with your PAN.
- If you see your units here, they are in SOA format.
- If not, they are probably Demat.
5) How Did You Invest?
Ask yourself: How did you buy this fund?
- Bought through a broker like Groww (after they started Demat) ? Units likely in Demat.
- Bought directly through AMC website or MF Utility ? Units in SOA.
- Bought long ago through an advisor who never used your Demat ? SOA.
Can You Convert from Demat to SOA or Vice Versa?
Yes, but it needs paperwork.
- From SOA to Demat: Fill a Dematerialisation Request Form (DRF) with your DP (Depository Participant).
- From Demat to SOA: Fill a Rematerialisation Request Form (RRF) with your DP.
However, unless you have a strong reason (like consolidating or saving annual charges), converting is rarely needed. Be mindful that remat or demat may take time.
What Should You Do Now?
If you’re fine with your units in Demat and you actively invest in stocks too — Demat format might be convenient for you.
But if you don’t want Demat AMC charges and want flexibility to switch, invest, or redeem directly through AMC websites or MFU — SOA format is simpler.
Important: For many investors, SOA is the better choice — especially if you only invest in mutual funds and don’t trade stocks.
Key Takeaway from the Groww Incident
The Groww incident highlights one big lesson: Always check the mode of holding before investing.
Don’t assume your units are automatically in SOA format just because you are buying “direct” funds — if your platform is a broker, it may put units in Demat.So, always read your broker’s communication, terms & conditions, and check your folios.
Final Thoughts
Your mutual fund investments are your hard-earned savings — so you must know exactly where they are kept.
Take 5 minutes today:
- Log in to your broker,
- Check your statements,
- Open myCAMS/KFinKart,
- Find out exactly where your units are sitting.
If you find you are unknowingly in Demat format and you don’t want that, consider your options — but always take help from a SEBI-registered advisor if you are confused.
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DIY SOY CANDLES WITH NOW FOODS ESSENTIAL OILS
DIY SOY CANDLES WITH NOW FOODS ESSENTIAL OILS
April 2, 2021 –
Happy Thursday, friends!! I just had WAY too much fun on Instagram Live being a DIY-er and making my own candles!
Not sure if you’re like me, but I have an….issue….with candles. I buy too many and my husband’s like, ummm we still have 25 to get through? And I say, “BUTTTTTTT this one smells so good!”
One day, after finishing a yogurt, I looked at the cute little glass jar it was in and felt bad throwing it away.
I thought, hm, I could use this for something?
I realized I had all of my Now Foods essential oils and thought, I could make candles!! And I swear, if I can do this, YOU CAN TOO!
Here is what you will need:
- Soy Wax Flakes – I found on Amazon for $40.
- If you watched my IG live this morning, you will see that I got a 10 lb BUCKET! LOL. To me, it was worth it, because it also includes the wicks & the wick holders so you’ll have everything you need for the usual price of 2 or so candles!
2. Now Foods Essential Oils
I LOVE the Vanilla & Cinnamon for candles. I also used a mix of Orange & Clove.
3. Clothes Pins
I used these because the soy flakes only came with 3 wick holders and I made more than 3 candles.
4. Jars of any kind!
Mason jars or used yogurt jars are always great.
HOW TO:
- Use your jar that you are going to use for the candles and double that amount of soy flakes. I took 1 of my glass containers and filled it up TWICE and that is the amount you need for 1 candle.
- I basically used a 4 cup glass measuring cup and filled it to the top before melting.
- Put the flakes into the microwave in the glass container and microwave for 4 minutes.
- This amount of time was perfect to melt the flakes down without being too hot. You want the liquid to be completely melted (basically looks like melted butter).
- You can also do a double boiler method to bring the flakes to melt.
- Add 100-200 drops of essential oils. This is what I found on most websites and honestly, I don’t think you can go wrong.
Like I said, I’m just a DIY-er over here trying things out! I found that I would add oils, smell the wax, and continue adding until the smell was where I wanted it to be.
7. Use your wicks and the stickers to attach the wicks to the bottom of the glass jar.
8. Make sure they are pressed down firmly to the bottom before using the wick holder to thread the wick through tightly.
9. Pour your melted wax into the glass containers, making sure that the wick is being held up through the center of the candle.
10. Let the candles sit for 24 hours + until completely set up.
11. Light and enjoy!!!
You can see how I used the clothes pins here for another alternative to the wick holders that come in the kit.
I used a blend of orange, vanilla, clove, & cinnamon and these ones and they smelt so good! Not too overwhelming but enough scent to feel super cozy.
Reminder, I’m not a pro-candle maker here, but this is the way I did DIY for these and they turned out great!
Make sure to head on over to Now Foods for all of your needs! Supplements, snacks, oils, essential oils, body products, and more! We use a NOW product in every room of our house, for real.
Use code “KASEY” for 20% off your order!!
As always, thank you NOW for sponsoring this post & allowing my crazy & creative self to play with your products!
Be true to you,
xo Kasey
- Soy Wax Flakes – I found on Amazon for $40.
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The Amazing Health Benefits of Walking
Walking is one of those things that most of us do every single day, but don’t think much about. It’s not just a way to get us from point A to point B, but it can also be a powerful health tool. More recently, I’ve been intentionally incorporating more walks into my day, and here’s why.
The (Many) Benefits of Walking
Walking isn’t just a casual form of movement, but a research-backed, restorative practice that can have a profound impact on nearly every area of our health. That is, if we choose to make it a daily habit.
And I say “choose” because walking is one of those things that’s so simple, we often dismiss its potential benefits. It doesn’t come with fancy gear, flashy gym memberships, or complex routines. Yet it’s often the simple things that can be the most impactful.
I recently shared a post about wearing a weighted vest while walking, a habit I’ve adopted more recently. It got a lot of questions and responses, which made me realize this topic deserves a deeper dive. In this article, we’ll cover what the science has to say about walking benefits and how to practically make it a regular part of your routine.
We’re Meant to Move
As humans, we’re biologically wired to walk. For most of our history, walking wasn’t an exercise, but how we survived. From foraging to hunting to living our daily lives, it’s estimated that our ancestors walked anywhere from five to ten miles each day.
Today? Most of us are lucky if we get a mile in between our cars, screens, and schedules.
This disconnect between where we came from and how we live now contributes to what some researchers call “Nature Deficit Disorder.” And while we can’t all go live barefoot in a forest, we can bring elements of natural movement back into our lives. A simple daily walk is a great way to start doing that.
The Science Backed Benefits of Walking
There are so many areas of our health that are positively impacted by walking. Here are some of the most compelling reasons to lace up your shoes. Better yet, go for a walk barefoot on the grass!
Boost Mental Health
Research shows walking helps reduce anxiety and depression symptoms. That might not be surprising if you’ve ever taken a walk to clear your head or felt better after a stressful day just by getting outside.
But it’s not just anecdotal. Studies show walking can increase levels of serotonin and dopamine, the “feel good” neurotransmitters we’re often told we need more of. One study even showed that 30 minutes of walking led to significant changes in brain activity associated with relaxation and positive mood. And when over 15% of women in the US take a prescription antidepressant (twice as many as men), that’s a big deal!
Support Metabolic Health
Less than 10% of Americans are considered metabolically healthy. That means over 90% of us could benefit from blood sugar support. And here’s the great news: walking is one of the most accessible tools we have.
A study in Diabetes Care found that just a 10-minute walk after meals can reduce blood sugar spikes by up to 12%. I often take short post-meal walks to help my body process food more efficiently. If I’m not in a place where I can really do that, then even a few dozen air squats will do the trick. I’ve seen the difference firsthand in my blood sugar readings while wearing a continuous glucose monitor.
It’s Great for Your Heart
Want a healthier heart? Get walking! A meta-analysis found that walking for just 30 minutes a day can reduce the risk of heart disease by 19%.
Unlike high-intensity workouts, walking is gentle on the body. That means you can do it daily without spiking cortisol or overly stressing your system. When I was healing from Hashimoto’s and intense nervous system dysregulation, walking (not running or weightlifting) was my movement of choice. It was restorative instead of depleting.
Regulate the Nervous System
One of my favorite benefits of walking is how it supports nervous system health. Especially when done in nature, walking stimulates the vagus nerve and helps shift the body into a parasympathetic (rest-and-digest) state.
You may have seen those powerful before-and-after brain scans showing how even 30 minutes of walking can reduce stress activity in the brain. Nature walks and forest bathing can also reduce cortisol levels and promote feelings of calm.
Enhance Lymphatic Flow and Joint Health
Walking is a full-body activity that helps boost our lymphatic movement and circulation. Since the lymphatic system doesn’t have a pump like the heart, it relies on muscle movement. Walking is a perfect way to keep things flowing. This can support immune function, detoxification, and even reduce puffiness and inflammation.
Walking also supports joint health through regular, low-impact movement. Unlike more intense workouts, walking can actually lubricate and hydrate joints. As my friend Hunter Cook teaches with CARs (controlled articular rotations), consistent joint movement is key to long-term mobility.
Do You Really Need 10,000 Steps?
You’ve probably heard the “10,000 steps a day” mantra. But did you know that number actually came from a Japanese marketing campaign in the 1960s, not from science?
The truth is, studies show that benefits really start around 7,000 to 8,000 steps per day. Even that might sound like a lot, but it breaks down to about 30 to 60 minutes of walking, spread throughout the day. And every step counts.
The goal isn’t perfection, but consistency. Whether you take one long morning walk or three short ones after meals, the benefits add up.
How to Upgrade Your Walks
Once walking becomes a regular habit, you can layer in some optional (and fun) upgrades to boost the benefits.
1. Add a Weighted Vest
Wearing a weighted vest can increase calorie burn, core engagement, and bone density. It’s important to start light, 5% of your body weight or less, and build up slowly if desired. I’ve worn vests from 30 to 60 pounds, depending on the terrain. On soft ground like sand, I stick to lighter weights or skip it altogether.
A quick note here: Someone once asked if wearing a weighted vest is like being overweight. The answer is… kind of, but with important differences. Carrying extra weight does stress the bones (which can strengthen them), but chronic inflammation or poor metabolic health can negate some of those benefits. With a vest, you get the bone benefit without the systemic stress.
I love barefoot walking when possible, on sand, dirt trails, or grass. It strengthens the feet, improves balance, and may help reduce inflammation through grounding or earthing (contact with the Earth’s natural electric charge). My oldest son regularly takes barefoot runs on concrete and has slowly worked his way up to having the proper form to do that safely. Myself? I’m not a fan of how the concrete feels barefoot, and I definitely wouldn’t recommend starting there!
Not ready for full barefoot walks? There are great minimalist shoe options like Earth Runners and Groundies that offer flexibility and grounding without sacrificing protection.
3. Try Incline or Hill Walks
Want to increase the intensity without adding weight? Find a hill or set your treadmill to an incline. This targets the glutes and hamstrings more, elevates heart rate, and boosts the metabolic impact. Overall, it’s still low impact.
The Best Times to Walk (And Why)
If you’re wondering when to walk, here are a few times that offer extra benefits:
- Morning: Walking in early daylight helps regulate your circadian rhythm, supports hormone balance, and boosts mood. Try combining it with a morning gratitude or meditation practice to habit stack even more benefits.
- After Meals: A short walk after eating (even just 10 minutes) supports digestion and stabilizes blood sugar. This is one of my favorite health habits.
- Evening: Gentle movement in the evening helps wind down the nervous system and supports better sleep. Bonus if you walk at sunset and get some free red light!
Make Walking a Daily Habit
The biggest takeaway here isn’t about how long or intense our walks are. It’s all about getting started and being consistent. Here are a few ways to make walking an easy, enjoyable habit:
- Track It: I use an Oura ring, but you don’t need anything fancy. A simple step counter or app can help you stay mindful.
- Make It Enjoyable: Listen to audiobooks or podcasts, or just enjoy the quiet. Whatever helps you look forward to it. Sometimes I’ll reserve a favorite audiobook to listen to only while I’m on a walk.
- Walk with Others: Social walks are one of my favorite ways to connect. Meet up with a friend and walk instead of sitting at a coffee shop.
- Habit Stack: Pair it with an existing habit, like your morning tea, your lunch break, or your evening wind-down.
- Start Small: Even five to ten minutes a day is enough to get started. It’s about building the habit, not winning a marathon.
Final Thoughts on the Benefits of Walking
Walking might be one of the most common human activities, but that doesn’t mean it’s ordinary. In my humble opinion, walking is one of the most overlooked tools we have for healing, regulating, and thriving. It supports everything from our mental health and metabolism to our bone strength, brain health, and longevity.
If you’re simply looking to start getting healthier or you’ve been on this path for a while, I’d encourage you to try adding walking to your routine. See how it affects your energy, your mood, and your stress levels. Over time, you may just notice that you crave walking more, especially when it’s out in nature!
Do you make walking a habit? Have you ever tried upgrading your walk? Leave a comment and let us know!
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9 Signs You’re Being Financially Exploited by Someone You Love
Image source: Unsplash When we think of financial exploitation, we often picture scammers or strangers. But in reality, the most damaging and emotionally complicated cases of financial abuse come from those closest to us—partners, children, siblings, even longtime friends. Love can cloud judgment, making it easy to overlook signs that your money is being used unfairly or manipulatively.
The line between support and exploitation isn’t always clear. People in your life may ask for help during hard times, rely on your generosity, or even live with you. But if the pattern continues without accountability, respect, or reciprocity, it may no longer be “help”—it may be abuse.
Financial exploitation often hides in plain sight, especially when guilt, loyalty, or fear of conflict gets in the way. Below are nine signs that someone you love might be taking financial advantage of you, and why recognizing them is the first step toward protecting yourself.
1. They Always Need “Just One More Loan”
Everyone hits hard times, but if someone repeatedly asks for money with promises to pay you back “next week,” “after their next check,” or “once things calm down,” yet they never actually repay you. That’s a major red flag.
What starts as a one-time favor can become a recurring pattern, where you’re constantly expected to bail them out. Often, they frame it as temporary, but months or years later, you’re still footing the bill while they avoid responsibility. Real emergencies are one thing. A lifestyle of reliance is another.
2. They Make You Feel Guilty for Setting Financial Boundaries
A hallmark of financial exploitation is emotional manipulation. If you say no to a request and they respond with guilt-tripping, anger, or accusations that you “don’t care about them,” they’re using your emotions as leverage.
Healthy relationships allow for boundaries, especially when it comes to money. If someone reacts badly every time you try to protect your finances, it’s likely not just about the money. It’s about control. Love shouldn’t require you to bankrupt yourself.
3. Your Name Is on Debts You Don’t Benefit From
Have you co-signed a loan, added someone to your credit card, or opened an account “just to help out,” only to discover they’ve maxed it out, missed payments, or left you on the hook?
Financially exploitative people often use others’ credit to cover their lifestyle, leaving the victim with long-term consequences. If your credit score has dropped due to someone else’s spending, it’s time to ask whether love is being used as a cover for exploitation. Debt should never be a secret or a trap.
4. You’re Paying Most of the Bills, but They’re Not Trying to Contribute
Maybe they moved in “just for a while” or are going through a rough patch. But if they’ve made no effort to find work, pay their share, or even contribute in non-monetary ways, you’re not in a partnership. You’re being used.
Some people rely on guilt, flattery, or pity to avoid carrying their weight. But over time, one-sided arrangements breed resentment and financial instability. Love isn’t measured in unpaid rent.
Image Source: unsplash.com 5. They Control or Monitor Your Spending, But Hide Theirs
In more manipulative relationships, the exploiter might question every dollar you spend, shame you for treating yourself, or demand to see your bank statements, all while keeping their own finances secret.
This is a form of financial control. It’s meant to keep you in a position of dependence or guilt while allowing them full freedom over their own spending. Transparency should go both ways. If it doesn’t, something’s off.
6. You’re Too Afraid to Say No
Do you hesitate before denying their requests, worried about their reaction? Do you find yourself rehearsing your answers or giving in just to avoid a fight or emotional meltdown?
When you’re afraid to say no to someone who asks for money, that’s not love. It’s coercion. A healthy relationship allows space for “no” without punishment. If fear has become part of your financial decisions, something’s wrong.
7. Your Finances Are Suffering, But They Don’t Seem to Notice
If you’ve cut back on essentials, dipped into retirement funds, or delayed your own goals to support them, and they don’t acknowledge the cost, it’s likely they’re not just unaware but uninterested. Exploitation thrives on your silence. If someone you love doesn’t ask how you’re doing financially, even after repeated help, it may be because they don’t want to know. People who care don’t let you drown to keep themselves afloat.
8. You Feel More Like a Bank Than a Partner, Parent, or Friend
Ask yourself honestly: When they call, is it usually about needing help? Do you feel like the relationship is built on mutual love and respect, or just what you can provide?
If the emotional connection has been replaced with financial expectation, you’re not being loved—you’re being used. You shouldn’t have to earn affection with ATM withdrawals. Your role in someone’s life shouldn’t be tied to your wallet.
9. You’re Hiding the Situation from Others
One of the clearest signs of financial exploitation is secrecy. If you’re afraid to tell friends or family how much you’ve given, what you’ve agreed to, or how stressed you are, that’s a signal you already know something’s not right.
Victims often fear judgment or conflict, but staying silent only allows the pattern to continue. Speaking up may be uncomfortable, but it can also be the first step to reclaiming your financial security and emotional peace.
When Love Turns Into Leverage
Financial exploitation doesn’t always look like theft. It often comes wrapped in affection, promises, or guilt. That’s what makes it so hard to see. But love shouldn’t cost your savings, your peace of mind, or your future.
Recognizing these patterns isn’t about cutting people off. It’s about protecting yourself from long-term harm. True love respects boundaries, shares burdens, and never asks you to sacrifice your well-being for someone else’s comfort.
Have you ever found yourself giving too much financially to someone you cared about? What made you realize it had gone too far?
Read More:
9 Long-Held Traditions That Are Quietly Wrecking Family Finances
