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Sable Yong, Beauty Writer + Podcast Host

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Sable Yong, Beauty Writer + Podcast Host


“I had severe social anxiety as a teenager. My therapist at the time encouraged me to try doing something in a controlled environment, and so I joined the drama club because they had scripts. I enjoyed it enough that I went on to study drama in college. When I graduated, I did a lot of part-time gigs around New York. Then, when I was 26 or 27, I wrote this insane-sounding ad looking for a roommate, and I shared it on every apartment listing group I could. A lot of people saw it and thought it was funny, including Annie Kreighbaum, who was one of the founding editors of xoVain—and later an editor at Into The Gloss. She said, ‘Hey! I don’t need a roommate, but I just started working at this new beauty site called xoVain, and we need writers.’

xoVain was unique because it was very personal, very stream of consciousness, and very experiential. I was there for three years until it shuttered. I had a few short stints at other sites after that, until one day Phillip Picardi DMed me on Twitter to ask if I’d join the team at Allure. I did, and then I left after three years to freelance.

Now I also co-host a podcast called Smell Ya Later with my BFF, Tynan Sinks. There’s such an emotional connection with your sense of smell. My favorite episode is called The Smell of Death. We interviewed neuroscientist Mo Costandi, who literally studied the smell of death. He explained all of the components that make up the smell of decay and how a lot of it is tied to things that are considered beautiful, like the scent of jasmine.

Most recently, I wrote a book called Die Hot with a Vengeance. I felt, and I’ve felt this throughout my entire beauty career, that anytime people write about beauty, it’s either a how-to, or a take-down of toxic ingredients. Or if it’s cultural or political, it’s about how beauty is a tool of the patriarchy to oppress, which is not untrue, but it puts it in a strictly academic lens that doesn’t actually help anyone feel better about beauty or feel like they have agency over their body. In my beauty editorial career, Allure was kind of my dream job. I mean, the magazine is the top of the top. And when I got there, it was very much like, ‘Is that all there is?’ You realize, ‘This is just another corporate job to feed corporate ends.’ Knowing that, I understand as a former outsider looking in how much gravitas this whole industry appears to have. But most of it is made up and you have a choice to not buy into things. My book examines why we feel compelled to do these things, where the ideas come from, and how we can either reclaim or refuse parts of beauty that don’t align with our collective wellbeing. But this is important: I don’t want readers to ever feel like I’m trying to tell them how to think or feel about beauty. These are my experiences and what I’ve learned, and hopefully, they just expand your ideas a little bit.

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BEAUTY
My first memory of beauty was through cartoons: Jessica Rabbit, Roxanne from A Goofy Movie and Holli Would in Cool World. Those characters were just so bombastically feminized and I wanted to look just like them. But because I wasn’t allowed to wear makeup until I was 17, I would shoplift products. I loved Stila’s Convertible Color compacts, Benefit’s lip glosses, Urban Decay’s eyeliners, Clinique’s Black Honey lip balms… I was a latchkey kid. My parents wouldn’t come home until 6, so I would put on makeup for school and then I had enough time to get home and take it off. Of course, my mom knew. [Laughs] She was a nosy mom and saw that I had makeup. And I think she knew I was stealing because at one point, she was like, ‘If you get caught, don’t call me.’

SKINCARE
My skin’s not dry in the flaky sense, but it’s pretty dehydrated. And I get closed comedones. They’re a little bitch because they don’t come out easily unless I go to fucking town on my face. Renée Rouleau used to sell a little acne kit that came with these hermetically-sealed lancets. I ended up buying a wholesale pack on Amazon for self-extractions, but what sucks is the pigmented spot lasts for months. And so for that, Renée Rouleau’s Post-Breakout Fading Gel is good to keep around.

I researched a lot to find a good cleanser. I especially love looking at Reddit for skincare recs because people are brutally harsh and very tough to appease. Round Lab’s moisturizing cleanser got a lot of votes for dehydrated skin. It’s very basic, but it’s cheap and doesn’t make me feel tight. At night, even if I’m not wearing makeup, I always double cleanse with Hanskin’s BHA Pore Cleansing Oil. It lasts for ages, and it gets off all of my makeup.

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TikTok influenced me to buy Mixsoon’s Mung Bean essence—a lot of K-pop idols use it. It’s considered the vegan alternative to snail mucin, which makes some people break out. Since using it, my skin feels more bouncy and plump. I also have Mixsoon’s Soondy Centella Asiatica essence, Galactomyces Ferment essence, and Bifida Ferment essence. You layer them all. My skincare routine takes a minimum of 20 minutes. [Laughs] I’ve just found that it’s best to rehydrate my face with lots of thin layers of moisture.

Stephen Alain Ko, who’s a cosmetic chemist, has been working on Poems From The Labs’ Future Focus serum for ages. I’ve tried a lot of vitamin C products, and this is hands down one of my favorites. It doesn’t smell weird, and it has this sort of thin gel-oil texture, which I like because it feels like another moisturizing layer. After using it consistently every morning, my skin does look more even toned. And I can’t believe I just tried my first Biologique Recherche product this year. I used to think it was overhyped, but then I tried the Lotion P50 PIGM 400 during a facial—it made me look poreless. It’s also great for hyperpigmentation.

If I have an event or if I wake up puffy, I’ll use Dieux’s Auracle eye gel with the Forever eye masks—I love how the gel sits and it has a sort of soft grippiness that makes the area look very well hydrated. Dieux’s Instant Angel cream is great, too. It’s such a workhorse of a moisturizer and just an overall crowd pleaser.

I have a literal suite of sunscreen. I mean, Korean sunscreens are superior. They have better filters. They feel better. They’re more cosmetically elegant. They also can serve as moisturizers and makeup sits really well on them. Everyone fucking loves Beauty of Joseon’s SPF, including me. Round Lab’s SPF 50 is phenomenal. Those two are my daily ones. Lightsaver was founded by a dermatologist, Dr. David Kim. If you’re into mineral-only filters, his Activated Mineral SPF 33 is one of the best. There’s two versions, a tinted one and an untinted one. They give you that dewy-but-not-greasy finish that’s hard to do. Saie’s Slip Tint SPF 35 is my everyday pick if I want a little bit of coverage. It gives you a super glassy, dewy sheen that is sometimes a little much, but what I do is glob it on, wash my hands, dry them, and pat down any hotspots, like my T-zone. Bubble’s Plus One tinted SPF 40 is also a really nice, affordable tinted mineral. It spreads nicely. A lot of mineral SPF will pale immediately, and so far, this one has not betrayed me.

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MAKEUP
I always want to look dewy. If I’m wearing makeup, it’s generally just NARS’ Pure Radiant tinted moisturizer in Mykonos—and only around my eyes and nose because that’s where I get redness. I like to blend it out with my fingers because that gives the most realistic finish.

RMS’ Peach Luminizer is technically a highlighter but I like to use it as a blush. I place it high on the bridge of my nose, the ball of my nose, and my cupid’s bow. I also realized that as I’m getting older and things are gradually sinking, I have to place products higher up, so I like to place it high on my cheekbones, almost under my eyes. Same goes for the L’Oreal Paris Lumi Glotion in Light. I also love Pat Mcgrath’s Skin Fetish highlighter balm duo in Nude. I tend to use the balm more than I use the actual highlighter. It gives you that slick, reflective look that I like.

I got my brows microbladed in 2019. I thought they would have worn off by now, but they haven’t, so I just pluck errant hairs. Honestly, I kind of wish the microblading would fade because I got my brows done in a very 2019 shape. [Laughs] To groom them, Anastasia’s Brow Freeze gel is really good because I like the look of laminated brows and this stuff actually freezes them in place. The only thing is that I have to remove any moisturizer around my brows first. If I don’t, it pills. The NYX Brow Glue is a cheap and cheerful alternative. It doesn’t last all day, but it doesn’t give eyebrow dandruff either.

Anything Lisa Eldridge puts out, I want it. Her Kitten Flick liquid eyeliner has a super pointy felt tip and, to date, has never shorted out on me, which is usually the downside of a lot of liners. Her Seamless Glide pencil liners are incredible, too—they spread like room temperature butter, but then they don’t travel after they set. As for her mascara, if you really glob it on, it’ll give you volume, but I love that I can do one coat and it looks really natural. Neogen’s Dermalogy Metal mascara is good, too. It has a metal bolt that’s ridged instead of a wand. It’s weird, but it really grabs every lash. I like it more when I’m going out and want a little bit more drama. Also, it’s waterproof as shit. I don’t think it advertises as such, but this shit does not come off. In the summer, this is the one.

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I was semi-influenced by TikTok and became obsessed with the K beauty trend of very glossy, buttery lips—like, pigmented but a bit translucent, almost like a stained glass effect. I find that gloss has a tendency to sit on top of your lips, but Rom&nd’s lip balms melt into your lips with your body heat. They make your lips look so juicy. I especially love Scotch Nude, Kaya Fig, Pecan Brew, and Buffy Coral. When I want more of a matte stain, I like Glossier’s Generation G lipsticks in Malt, a nice, sheer brown, and Fuzz, a neutral, dusty mauve that works really well on me. They have a rose scent that I kind of like. When I put them on, I do the opposite of lip liner; I blur the line so it makes my lips look like a little plusher.

I was really surprised by Saltair’s lip oil balms. They have a lot more pigment and more tack than Rhode’s peptide lip treatments, which are nice and moisturizing but a little glossier than I normally like. I especially like Toasted and Acai. And I really like Rare Beauty’s Soft Pinch lip oils because they leave a stain. They’re not going to fade as soon as I eat it off or talk through it. The formula feels really nice and plushy and moisturizing. Honesty and Delight are my favorite shades. The benchmark of a stained lip balm though is Bobbi Brown’s Crushed lip colors. They’re translucent and buttery. The formulas are unparalleled. Blackberry is the perfect ‘90s raisin shade and Dark Chocolate is a great brown.

HAIR
I’ve been coloring my hair since 2014 with Elizabeth Hiserodt, at Cutler Salon. She’s a wizard and has taken me through every color of the rainbow. The last thing we did is the horizontal halo that I have now. Mike Martinez, who is also at Cutler Salon, cuts my hair. I get a trim every four months currently because I’m trying to grow it out.

After I get color, I use K18’s Biomimetic hair mask every day for two weeks. It’s a great bond building treatment. I mean, it’s expensive, but it really works. After my hair’s been bleached, it feels like overcooked spaghetti when it’s wet, and the mask makes it feel like normal, human hair again.

I wash my hair two, maybe three times a week. I have a lot of hair and it’s quite coarse. The ends are dry but my roots get greasy after two or three days. I use Redken’s Acidic Bonding Concentrate shampoo and conditioner, which Elizabeth recommended for color care. L’Oreal Metal Detox shampoo and conditioner are also good for colored hair. I like that both lines make my hair feel really clean without drying it out. That said, I really like Hairstory’s New Wash Rich for air drying days. It’s not stripping because it’s not strictly a detergent, and my hair dries perfectly when I use it.

I will say that I’m a shedder—there are nests of my hair in the shower—and whenever I brush my hair, it’s like a serving of spaghetti on a brush. Because of that, I really love my Knotty Brush from That Girl That Did Your Hair. It has a donut hole in the center that makes it easy to pluck the hair out and throw it away.

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FRAGRANCE
I’ve always loved fragrance and I’ve always wanted to make my own—but I don’t want my own brand and to be a girl boss. So if I was ever going to make a scent, it would be as promotional material for my book. My perfumer, Joey Rosin, is actually a listener of Smell Ya Later. We started working on Die Hot With A Vengeance last November, and boy, it’s a process. I told him I wanted the perfume to smell like a rich evil woman’s Birkin bag. It’s very leathery, and there’s sparkling grapefruit, sweet orange, rhubarb, plum, patchouli and orris. There’s violet too, because I love the smell of vintage makeup, and it gives it a kind of powdery sweetness.

I love most D.S. & Durga perfumes, but Pistachio is my favorite. They took pistachio in this sweet, leathery direction that is clever and quirky. It’s really warm and soft and a little bit musky on me. It’s special. Meanwhile, Prada’s Paradoxe is my basic hot girl scent. It’s pretty and it’s a crowd pleaser—it’s my biggest compliment-getter.

Matiere Premiere’s Crystal Saffron has been a favorite of mine for the past two years. It’s what made me fall in love with saffron. It’s airy and sweet in a confusing way, and it has this kind of glassy texture that’s bouncy and translucent that I think is really beautiful. Bond No.9’s Chelsea Nights is also a saffron scent. It’s so spicy and warm and enveloping and sexy. It’s really nostalgic for me because I wore it on a really crazy trip I took to Vancouver two years ago for a date. We met on Hinge. He’s from Australia and was on tour with his band. We chatted every day for a month and then he randomly said, ‘Our last four days are in Vancouver before we fly back to Australia. LOL. If you want to come.’ It was such a fun, sexy time. We still talk, and whenever I smell Chelsea Nights, I think of him.

Lolita Lempicka is also a nostalgic scent for me. When I was a teen, it was the smell of womanhood—I thought it was the most sophisticated scent a woman could wear. When I grew up and got a bottle, it reminded me of that hopeful naivete you have as a teen. It’s not even necessarily a ‘me’ scent because it’s such a hammerheaded feminine scent, but it’s beautiful. It reminds me of what Anna Sui’s aesthetic looks like, which I also romanticized in my youth. Nina Ricci’s Nina reminds me of teenagehood, too. I had a bottle of it when I was 16 and I rarely wore it because you would save your perfume for special occasions back then. But, to me, it is also a little amulet to my past. It’s fresh and fruity and beautiful.

When I first smelled Mugler’s Angel, I thought it was disgusting. I was the kid who snooped on everyone’s stuff, and my uncle had a bottle of it. But when I was introduced to it as an adult, I fell in love. There’s a way to wear it so it doesn’t choke you out. You have to spray it in front of you and run through it really quickly. Spray it once, and that one spray will last you two days at least. It will make you nauseous if you do more than one spray, but in 30 minutes, it’s the most beautiful thing you’ve ever smelled.”

—As told to Daise Bedolla

Photographed by Shana Trajanoska in New York on May 21, 2024





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Forcing Yourself to Do a Task vs. Letting Yourself Off the Hook

Forcing Yourself to Do a Task vs. Letting Yourself Off the Hook


By Leo Babauta

People often think, when they’re tired or don’t feel like doing a task (or a habit), that there are really only two choices:

  1. Force yourself to do the task anyway; or
  2. Let yourself off the hook

And while there isn’t anything wrong with either of these choices, I’m here to remind you that they are choices. And they’re not the only choices.

What else can you do in that situation? Well, here are just a few other possibilities off the top of my head:

  • Choose to take care of yourself, and then come back to the task when you’re more replenished
  • Find a reason to do the task that inspires you to do it, even if you’re tired — for example, if you knew that doing a task would save a million people’s lives, you probably wouldn’t say, “Oh, but I’m too tired right now”
  • Ask for other people’s help
  • Find a creative approach that has you bringing play to the task while also honoring your tiredness

As you can see, there are choices, when we get beyond the only two choices that occur to most of us.

Let’s talk about our tendencies, then talk about how to pursue other options than the two main ones we’ve mentioned at the beginning.

Our Tendency

The thing is, most people will default to one of the two choices by habit — if you normally let yourself off the hook, that’s probably a tendency (you might add some self-judgment and self-criticism to that tendency). If you are good at forcing yourself to do work, you probably do that as a tendency.

So become aware of your tendency — which one do you lean towards? There isn’t anything wrong with this tendency, but it will always get you the same results: avoidance gets you stuckness and self-judgment, while forcing yourself gets you a sense of burden, overwhelm, exhaustion and apathy.

Once you’re aware of the tendency, you can ask yourself whether you’d like to try something different. If so, read on!

Creating Aliveness

So first, let’s say you decide that self-care is your priority. That doesn’t mean you’re going to avoid the hard things, but you’re going to make sure you’re not going towards burnout, and take responsibility for making sure you’re getting enough rest, nourishment, mental breaks, and movement.

So that is a given. Now what? Well, now you can move towards the tasks you’re resisting — hard, scary tasks you want to put off.

But instead of forcing yourself, you want to try something different, that doesn’t feel like coercion and doesn’t make you feel so burdened and apathetic.

How do we do that? There isn’t a right answer, but here are some things to consider:

  1. Connect with your deeper Why. Something that inspires you to take action, instead of having to avoid or force yourself. What would have you excited to tackle this?
  2. Let yourself play. Why does this have to feel like work, or a “nose to the grindstone” kind of thing? Why are we trying to just “get through” all of our work tasks and emails and meetings? What if all of this could be a playground?
  3. Let it feel alive. We don’t have a lot of time on this Earth. Let’s let ourselves feel more alive in each moment, whenever we can remember. What would it be like to feel alive right now, as you read this?
  4. Don’t be ashamed to ask for help. Sometimes the resistance or overwhelm is too much. How can others be invited to help us face it, or to make it more like play, or to help shoulder the burden? We don’t have to be so alone.

These are some ideas to play with. How can you feel more alive in the tasks you have in front of you today?



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Chickpea “Tuna” Salad Sandwich: Hearty, Quick, And Vegan

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Chickpea “Tuna” Salad Sandwich: Hearty, Quick, And Vegan


Lunchtime doesn’t always allow much time for cooking. You just want something simple and easy that will power you through the afternoon. This sandwich is quick and easy while still being wholesome and tasty. 

MyFitnessPal teamed up with Dr. Danielle Belardo, one of our scientific advisors, to bring you this high-fiber and vegan chickpea “tuna” salad sandwich. 

Fiber is great for slowing digestion and helping you feel fuller longer, and this recipe really packs it in. Chickpeas are a great source of fiber, as well as protein, which has a plethora of benefits ranging from bone and muscle health to increasing energy. 

Though this recipe uses chickpeas instead of seafood, it still satisfies a classic tuna sandwich craving. “The chickpeas offer a hearty, tuna-like texture, while the celery and red onions add a nice crunch,” says Belardo. 

Tuna salad sandwiches are just as satisfying as they are nostalgic, and this recipe offers a fresh vegan twist on an old classic. If you’re searching for more high-fiber or vegan recipes, look no further than the MyFitnessPal app: it’s free, and home to over 2,000 recipes. Dig in!

Serves: 1 | Serving Size: 1 sandwich

Ingredients:

  • ½ cup chickpeas, rinsed and drained
  • ¼ cup vegan mayo
  • ½ cup diced celery
  • ¼ cup diced red onion 
  • 2 slices Dave’s Killer Bread (Dr. Belardo uses the Powerseed variety for its high fiber content!)
  • Salt and pepper to taste

Directions:

  1. In a mixing bowl, mash the chickpeas with a fork until flaky.
  2. Stir in the vegan mayo, celery, and red onion. 
  3. Season with salt and pepper to taste
  4. Spread the chickpea “tuna” salad on a slice of Dave’s Killer Bread, then top with the second slice

Nutrition Information:

Per serving: Calories: ~560, Total fat: 26.6g, Fiber: 13.6g, Protein: 15.8g.

Please note that the nutrition facts may be slightly varied based on the specific brand of vegan mayo and the variety of Dave’s Killer Bread used.



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Embroker’s Real Estate Insurance Program

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Embroker’s Real Estate Insurance Program


At Embroker, we’re excited to announce the launch of our new coverage program designed for real estate agents and brokers. As a digital insurance company committed to simplifying business insurance, we’ve developed this innovative program on our ONE technology platform. It offers a comprehensive solution that includes professional liability, cyber, business owners’, and workers’ compensation coverage through a streamlined, single-application experience.

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Understanding the Industry’s Unique Challenges

To ensure our new program truly addresses the needs of real estate professionals, we conducted an in-depth survey of more than 150 real estate leaders, agents, and auditors in May 2024. The insights we gained revealed an industry facing significant pressures and unique risks, confirming the need for specialized insurance coverage.

Our survey uncovered some striking statistics:

  • 51% of real estate professionals rely almost exclusively on their cell phones
  • 35% frequently make mistakes when using mobile devices
  • 46% of companies have experienced financial losses due to these errors
  • 48% of real estate professionals filed a professional liability claim in the past year

Addressing the Growing Cyber Threat

We also found that cyber threats are an increasing concern for real estate agents and brokers.

  • 45% say they have experienced a breach
  • 82% have encountered phishing attempts
  • Only 37% have recently updated their cyber coverage
  • 47% anticipate increased cyber threats

These findings underscore the critical need for strong cyber liability coverage in the real estate industry, which we’ve made a key component of our new program.

Our Comprehensive Coverage Solution

We’ve designed our new program to address these industry-specific challenges, while providing the foundational coverage that every business needs. Our program includes:

  1. Tailored professional liability coverage for high-stakes real estate transactions
  2. Cyber liability protection against existing and emerging digital threats
  3. A comprehensive business owners’ policy covering property damage, business interruption, and general liability

As our CEO, Ben Jennings, explains: 

“Real estate as a profession is facing radical change. Amid layoffs, cyber-attacks, and shifting buying behaviors, agents and brokers too often aren’t getting the coverage they need out of their insurance policies. Given the rapid evolution of the industry, real estate professionals need truly tailored coverage that provides peace of mind so they can operate worry-free. Embroker’s approach provides them with a single-destination solution, an elevated purchasing experience, and comfort that comes with coverage built for their specific needs, not generic coverage.”

A Single-Destination Solution

At Embroker, we pride ourselves on providing a single-destination solution. Our approach offers a fast and easy buying experience and the peace of mind that comes with knowing your coverage is specially tailored for your needs. We’ve designed this comprehensive program to eliminate the gaps often found in generic policies, ensuring that every aspect of a real estate firm’s operations is safeguarded.

As the real estate industry continues to evolve, we’re committed to expanding and adapting our program to consistently meet the needs of this dynamic sector. Our goal is to provide real estate professionals with the peace of mind they need to focus on their core business activities.

We’re thrilled to offer this specialized coverage to the real estate community and look forward to supporting professionals in this vital industry. For more information on our new real estate program or other coverage options, please visit www.Embroker.com/Real-Estate/.

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Should Some Clients Self-Fund for Long-Term Care?

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Should Some Clients Self-Fund for Long-Term Care?


Planning for long-term care is about choosing what works best for your clients and their family. Most often, that won’t be a state-mandated plan. But as long-term care costs continue to rise? States are likely to look for ways to shift expenses back to the consumer. What happened in Washington State is a good example.

In 2022, the state started requiring that employers deduct a percentage of paychecks to cover employees’ future long-term benefits. Leading up to the mandate’s deadline, many advisors helped clients consider alternative options by looking into private plans. Unfortunately, carriers became overwhelmed with applications, and many clients couldn’t secure coverage in time to be exempt.

As other states consider similar mandates and the need for planning for long-term care persists for everyone, you may want to adopt a plan that can be customized to fit different clients’ needs and would allow them to opt out of state mandates.

Traditional long-term care insurance. Due to higher-than-expected claims costs, the traditional long-term care space has seen a steady erosion of available products and a sharp increase in pricing for both new and existing coverage. Lifetime benefits, once an option on most policies, have been replaced by much shorter benefit durations. The financial risks of extended long-term care events can certainly be mitigated with these plans, but no longer can they be eliminated. Even well-covered individuals may have to self-fund to a degree.

Life insurance policy with a long-term care rider. For clients who want to self-fund for long-term care but don’t want to reposition a large sum of assets, life insurance is a good alternative. A life insurance policy allows for annual premiums rather than single premiums. Plus, because the policy is underwritten, the death benefits tend to exceed those from linked-benefit products.

Linked-benefit products. These products combine the features of long-term care insurance and universal life insurance, making them attractive for clients who are concerned about paying premiums and then never needing long-term care. By repositioning an existing asset, they can leverage that money for long-term care benefits, a death benefit (if long-term care is never needed), or both. The policyholder maintains control of the assets, freeing up retirement assets for other uses. Here’s a hypothetical example of how this might work:

Nicole is an HNW client. She’s 65 and married, and she previously declined long-term care insurance because she feels that she has enough money to self-fund, including $200,000 in CDs that she calls her “emergency long-term care fund.” You know, of course, that if she ever needs long-term care, this $200,000 won’t go far, and she may have to make up the shortfall with other assets.

Based on what we know about available products, their average benefits, and if Nicole is eligible for coverage, here is what she could gain if she repositions $100,000 to purchase a linked-benefit policy:

  • A death benefit of $180,000 (income tax-free)

  • A total long-term care fund of $540,000 (leveraging her $100,000 more than fivefold)

  • A monthly long-term care benefit of $7,500 (which would last for a minimum of 72 months)

  • A residual death benefit of $18,000 if she uses her entire long-term care fund

Care coordinators. Home care is often viewed as ideal by many clients but setting it up presents challenges. Both traditional long-term care insurance and linked-benefit insurance provide policyholders with care coordinators who can help facilitate this transition. These coordinators offer a very high-level concierge service, which can make a difficult time a little less stressful.





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How Targeted B2B Marketing Can Boost Your Small Business Sales

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How Targeted B2B Marketing Can Boost Your Small Business Sales


B2B marketing is different from B2C selling. It means selling your products or services to other businesses rather than to consumers. The challenge for small companies in this area is great, because they have limited resources and tight budgets. For small firms to make a strong impact, they need to approach the challenge strategically. They must know their customers well and develop a strong value proposition. This is where targeted B2B marketing that can be used as an important tool comes into play. Let’s now consider why targeted B2B marketing is so crucial and its role in relation to small businesses.

Shedding Light on Targeted Marketing

Targeted marketing is the act of personalizing and creating messages based on information gathered from the target market. Rather than sending promotional emails to a huge audience, only a subset of them is chosen according to common interests, past purchases, and online behaviors of customers. For small businesses, it entails identifying and concentrating on a certain section of the market that corresponds to the products and services they have. This is likely to convey their message to people who are more interested in such products or services. As a result, the conversion rate would go up automatically.


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Small businesses can save time and money while maximizing ROI using targeted marketing. They should use targeted marketing to focus their marketing efforts on the right segment of society. By sending customized messages to customers, they could communicate for example about points causing customer pain and meeting specific customer needs.


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Identifying Targets

Before engaging in any promotional campaigns small companies need to define their Ideal Customer Profile (ICP). Doing this requires data from market research, which includes customer information like demographics, industry, size, location as well as buying behaviors, among others. Marketing data analysis helps them understand metrics such as click-open rates bounce-back rates and conversion rates. Additionally, based on research and data, they can create buyer personas that are fictitious representations of the target audience. This technique helps small businesses visualize and understand their audience better than before.


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Tailor Marketing Messages for Better Impact

Once small enterprises know who their audience is, they can easily come up with content that will cater to the needs of the target group. They can point out how their merchandise may solve the problems affecting a certain group of people. Also, they can utilize marketing analysis data to create products and services that are demanded by many people in the market and talk about them on promotional emails.

  • Customizing Content– The moment each minor business defines its clients; it becomes easy for them to provide content that would satisfy what their target markets require. While writing content, the company could discuss how its goods were developed or changed to address customer’s problems. They may also leverage marketing analytics reports on developing products and services most sought after by customers and include this in their promotion emails.
  • Personalized Email Marketing- There is an increasing trend towards utilizing email as a form of advertisement because it is both fast and cheap. Small businesses segment their email lists and send personalized emails based on the preferences of buyers thus enabling more interactions hence higher chances of conversion.
  • Account-Based Marketing– does not focus on a broad market but concentrates on specific accounts or firms. This way, small businesses can develop intimate relationships with customers over time by identifying those key individuals who make purchasing decisions and are willing to buy from them. Such accounts should be addressed individually to stimulate purchases.


Digital Advertising and Social Media

Digital advertising and social media are the best marketing strategies in today’s digital world; in addition, these platforms are near to people and are easily accessible, unlike other methods of promotion whose visibility is not as high. Small businesses can target specific keywords and demographics through pay-per-click (PPC) advertising, making sure that advertisements reach the right audience. By creating content that may include ad copies and landing pages, small businesses can generate quality leads thus increasing conversions.


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Social media platforms have also become popular among marketers. This means of communication offers powerful targeting options that can reach the ideal customer very quickly. They can use advanced targeting features and sponsored content for direct interaction with their niche market.


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Monitor and Measure Results

Monitoring a marketing campaign’s success has become easier since it is now possible to track its progress through analytics and metrics. It is important for small businesses to keep track of these metrics for future planning purposes. With analytics tools, they can monitor website traffic, conversion rates, email open rates, and social media engagement among other key metrics used in measuring strategies’ effectiveness but they also provide valuable insights into how future campaigns should be designed by them too.


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Conclusion

Targeted B2B marketing has emerged as a game changer for small businesses that are striving hard to boost their sales outcomes. By identifying the target market and understanding customer behavior, purchase history, search history, and pain points, small businesses can design their marketing campaigns to address their needs and stand apart from the crowd. These businesses can segment their audience based on various parameters and create separate promotional emails for each segment. In this way, they can keep the audience interested in their products. Research has shown that sending personalized emails yields better results than sending generalized emails. They can leverage the power of digital marketing and social media channels, and they can reach out to the audience and engage ideal customers. Constantly monitoring and measuring the success of their marketing campaigns can also prove beneficial for designing future marketing strategies. With a focused and personalized approach, small businesses can boost sales and acquire more clients in today’s competitive market.

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Most Read: What is the Average Income of a Subway Restaurant Franchise Owner?





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How To Lower Your Monthly Bills (and save hundreds every month)

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How To Lower Your Monthly Bills (and save hundreds every month)


Negotiation skills are the most powerful tools in your toolbox, because they help you cut costs and earn more money.

The easiest way to perfect this art is by starting small, then scaling up to bigger wins, which is what we’ll do in the following months. But today, you’ll start to get your feet wet by negotiating to lower your monthly bills.

Most people start paying for a subscription (gym, car insurance) and never check on it again. Any recurring expenses like your cell phone, cable and insurance, you should be looking for ways to get lower plans at least once a year. That means picking up the phone and negotiating.

People are more motivated by loss than by gain

Robert B. Cialdini talks about this in his book Influence: The Psychology of Persuasion — we are more motivated by loss than gain, meaning you’d rather not cancel something once you have it. “What if I miss something?” people wonder. Or, “Oh man, will I really have to research another service to make up for this?”

This is why companies love subscription fees – they get to take your money on a regular basis without you really thinking about it. So we end up signing up for things we think we need and pay more because we worry we’re going to miss some new feature. Of course, you can cancel it altogether — or you can optimize your spending with a couple hours of phone calls.

Treat everything like a test

When I signed up for a new cell phone plan, I picked the most expensive plan and set a calendar reminder to check in on it in 3 months. During that time, I tracked my usage and then downgraded accordingly.

You should do this with everything: your cable, Netflix, gym memberships, magazine and online subscriptions. The best time to do it is the month before you have to renew. That way you have all the power. You’ll have plenty of time to review your options and decide whether to switch services or not. And, because the company will want to keep you as a customer (remember, their customer acquisition cost is often in the hundreds of dollars), they’ll be more likely to give you what you ask for.

Most people will never cancel a plan, even when it comes to subscriptions they don’t use because, again, they are afraid of missing out on something. If you track your usage, then you have the advantage of making informed decisions based on facts rather than unfounded fear.





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How to Get Rid of Bug Bites Fast (Because Scratching Is Not the Answer)

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How to Get Rid of Bug Bites Fast (Because Scratching Is Not the Answer)


Why the inflammation? “Your body is producing an immune response,” says board-certified dermatologist Dr. David Bank, who is based in Mount Kisco, New York. This means your body is trying to battle a foreign substance (the saliva). “Your immune system plays the largest role in what type of reaction you have,” Dr. Bank explains.

What are bug bite symptoms?

“The intensity of your response to the mosquito saliva varies from person to person,” says Dr. Farhang. “Most get redness, swelling, and itching around the site, and others have a bigger hive reaction—also known as welt or wheal—which is due to an allergic response.” You may also have more persistent swelling or itching if you’re in a new location (with new types of bugs), have entered a new season, or haven’t been bitten in a while, she adds.

Of course, not all annoying bites are mosquito bites. Two of the most common summer bite pests are spiders and ticks. Spider bites can happen indoors and outdoors, though they have slightly differing symptoms. “Spider bite symptoms include localized pain, itching, redness, swelling, and warmth,” says Dr. Farhang. Venomous spider bites may cause additional symptoms such as muscle pain, cramping, sweating, headache, and ulcers—in which case a trip to urgent care is in order.

However, you should be able to spot the difference. “Spider bites are very rare,” adds Dr. Anar Mikailov, a board-certified dermatologist based in Burlington, Massachusetts. “Spider bites are typically singular, as opposed to mosquitos that are multiple. Spider bites, like mosquito bites, can be itchy, but mosquito bites are never painful.”

Tick bites can result in minor symptoms like swelling or soreness, but don’t usually itch. Often, they’re nothing to worry about, but should be monitored for signs of Lyme disease like a bullseye-shaped rash, fever, and fatigue. You may also come across fly bites and ant bites in the summer—but they are less common than mosquito bites and also are marked by pain or systemic symptoms instead of itch.

When should you see a doctor for a bug bite?

As a rule of thumb, anytime you are concerned that your skin is not healing properly (you’re not seeing it progressively improve in swelling and itchiness from day to day or it hasn’t gone away in a week), you should talk to a doctor, says Dr. Mikailov. If you notice open skin or ulcers, you’ll need a professional opinion. “Sometimes a simple bug bite can get infected if scratched too much,” adds Dr. Farhang.

If you’re having any flu-like symptoms like fever or nausea, you should see a doctor (or head straight to the emergency room if you’re experiencing difficulty breathing). It could be that you’re having an allergic reaction or have been bitten by something else, like a deer tick carrying Lyme disease. “Ticks are one of the most well-known vectors of disease including Lyme disease, encephalitis, Rocky Mountain spotted fever, tularemia, and babesiosis,” says Dr. Mikailov.

What about mosquito-borne illness?

According to the Centers for Disease Control and Prevention, there are over 200 types of mosquitoes in the U.S., and about 12 of those can spread disease. The most common type of bite is from what the CDC calls a “nuisance mosquito,” which does not spread disease but—you guessed it—can be a real nuisance.



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5 Ways To Alleviate Sore Neck Muscles

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5 Ways To Alleviate Sore Neck Muscles


Sooner or later, we all experience the all-too-familiar ache of sore neck muscles. Whether it’s from hunching over your phone, lifting something awkwardly, or just snoozing in a weird position, neck pain seems to catch up with everyone eventually. While time often heals muscle soreness, there are plenty of tricks to help ease the discomfort.

Choose The Right Topical Pain Reliever To Enhance Massages

When the neck pain becomes bad enough, you’ll no doubt find yourself reaching for some sort of pain relief aid. Consider using a topical cream that absorbs into your skin, targeting the active ingredients directly to your neck muscles, where they’re needed most. Examples of effective active ingredients include:

  • CBD – CBD helps tackle neck pain on multiple fronts, starting with its ability to relax muscles and release tension. Studies also show that CBD has anti-inflammatory properties, which help reduce swelling and prolonged discomfort. However, its primary advantage is that it can impact how the body interprets pain by interacting with the endocannabinoid system to provide analgesic benefits. Click here for examples of topical CBD products for neck pain.
  • Capsaicin – Capsaicin is effective for neck pain because it blocks pain signals from reaching your brain and helps reduce inflammation. This dual action also soothes sore muscles, often described as providing a pleasant, warming sensation.
  • Menthol – Menthol can help relieve sore necks because it gives a refreshing, cooling kick that helps soothe pain and ease inflammation. This sensation tricks your brain into feeling less pain while simultaneously boosting blood flow to the area to help tense muscles relax.
  • Eucalyptus oil – This plant-based oil helps relieve sore muscles with its natural cooling and anti-inflammatory properties. While eucalyptus oil is a surprisingly common ingredient among topical pain treatments, it can also be inhaled by itself to soothe both the mind and body, as explored in Understanding the Benefits of Essential Oils.

More often than not, a topical pain cream will feature a combination of active ingredients for well-rounded relief. When assessing your options, don’t only look at the frontward-facing label; also evaluate the fine print in which the manufacturer should disclose just how much of these ingredients are used.

Apply Heat And Cold Compresses To Your Neck Muscles

Applying hot and cold compresses to sore neck muscles helps by targeting pain and inflammation in different ways. Cold compresses reduce inflammation and numb the area to decrease pain, while hot compresses relax tight muscles and improve blood flow, promoting faster healing. Using both can provide comprehensive relief by addressing both swelling and muscle tension.

Maintain Proper Posture Both While Awake And Asleep

It should come as no surprise that maintaining good posture is key to avoiding neck pain. However, many of us naturally drop our heads when doing such tasks as reading our phones or working at a computer for extended periods. For more details on how to apply ergonomic principles to your everyday life, check out Are You Sitting Well.

Your sleeping position can also impact neck pain. Resting on your stomach can strain your neck, so it’s better to lie on your back or side to keep everything aligned. A supportive pillow that keeps your neck in a neutral position can make a significant difference in reducing discomfort.

Careful Stretching

Stretching can help alleviate a sore neck by loosening tight muscles and improving blood flow to the affected area. Gentle stretches can also increase flexibility and reduce tension, contributing to overall relief. However, it’s important not to push yourself too hard, as overexerting the neck muscles can lead to further injury or discomfort. To see neck-friendly stretches demonstrated first-hand, check out this video made by physical therapist Doctor Jo.

Consider Acupuncture

Not everyone is a fan of the ideas of thin needles being placed across the body. However, acupuncture may just be the solution your sore neck muscles crave.

As explained by WTHN, “Acupuncture releases trigger points using very thin needles inserted into the skin. An acupuncture practitioner locates the center of the knotted muscle fibers and gently places stainless steel needles into the affected area, which cause the muscle to involuntarily contract in what’s known as a twitch response . . . That contraction then begins a chain of events in which the body’s own healing mechanisms react, opening blood vessels to increase blood flow and releasing endorphins to help the muscle relax (and the mind unwind, too).”

Important Note—Inform Your Doctor If Neck Pain Persists

If your neck doesn’t show improvement within 2-3 weeks of rest and the above-mentioned measures, it may be time to consult a trained medical professional. They can help rule out any underlying conditions and recommend specialized care, such as physical therapy sessions or a consultation with a spine specialist.





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How insurers can win the race to AI maturity | Insurance Blog

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How insurers can win the race to AI maturity | Insurance Blog


Artificial intelligence has been around since the 1950s, but over the last several years the business potential of AI has expanded dramatically. We now live in a world where big data and powerful computational capabilities allow AI to flourish. Companies—including insurance carriers—are investing in establishing data lakes, optimizing for cloud-based operations and activating AI for targeted analytics.

Insurers are seeing tangible results from their current AI initiatives. Our AI maturity research shows that carriers’ share of cost savings generated through AI more than doubled between 2018 and 2021. We predict that share will triple by 2024. Furthermore, insurers have been fairly satisfied with the return on their AI investments. Fifty two percent of insurance companies said the return on their AI initiatives exceeded their expectations, while only 3% said the return didn’t meet expectations.

However, insurers are leaving value on the table. In our analysis of 77 insurance companies, we found that none of them were AI Achievers, which we define as companies that have a differentiated AI strategy and have operationalized AI to execute on that strategy. In fact, most insurance companies are in the AI Experimenter category, representing those who have the least-mature AI strategies and lack the capability to operationalize AI.

How insurers can win the race to AI maturity

Insurers can move into the Achiever category to realize greater value by leveraging AI to power total enterprise reinvention. This includes employing AI in organization-wide decision-making and integrating AI into every part of the business—from business process optimization to delivering reimagined products, services and experiences to customers.

Carriers looking to gain momentum with their AI investments can find opportunities in the front office and build out their next phase of growth. Our study explored three key front office use cases that I’ll be diving into in this post: customer experience, product and service development, and sales and marketing.

Customer experience intelligence and journey automation

When it comes to customer experience optimization, insurers are beginning to make progress compared to other industries—yet they are still in the early stages of AI activation.

Many insurers have invested in developing a single view of the customer and have been able to understand what products customers own, if they have recently made a claim or whether they have received a quote for another product.

While some insurers are starting to gain a better understanding of the interactions they have with a given customer, most insurers struggle to connect the customer journey across multiple channels and touchpoints. Far fewer are able to use those insights to understand the breakpoints in that experience and address them systematically.

Though many insurers have invested in customer relationship management (CRM) platforms to share customer insights across the enterprise, few have layered in AI to use those insights to orchestrate highly personalized customer experiences that span marketing, sales, service and claims. Leading CRM vendors are integrating AI capabilities into their platforms, making it easier to embed out-of-the-box AI models into any workflow. Choosing such a technology is a major opportunity to create omnichannel experiences and build a truly holistic view of each customer.

When it comes to automating parts of the customer journey, conversational AI remains a largely untapped opportunity for the insurance industry as a whole. Those that are creating self-contained conversational experiences that satisfy customers’ needs—rather than simply answering FAQs or pointing customers to where they can get help—are generating higher levels of satisfaction with significant customer service cost savings and reduced reliance on a challenging labor market.

New product and service development

Recently, Accenture found that 88% of executives think their customers’ needs are changing faster than their businesses can keep up with. Factors like climate change and economic uncertainty are forcing customers to adapt to circumstances that are out of their control, moving through territory as they try to make the decisions that are best for them. Our research revealed a need for companies to shift from focusing on customer as consumer to developing a nuanced understanding of the customer as a multifaceted human being with complex and often contradictory desires.

This shift from customer-centricity to an approach we’ve coined “life-centricity is especially relevant for carriers as they develop products. AI can help carriers widen their understanding of customer behavior and move outside of cookie-cutter customer profiles with data insights. It can help them build offerings that can be tailored to the needs and habits of customers as they move through their life, seamlessly recommending or upgrading individuals’ products to respond to events like the purchase of a new home or providing coverage as climate change reshapes natural disaster risk.

There are plenty of opportunities for insurers to create new products and services that use AI to realize more value and deliver enhanced experiences. We’re already seeing many carriers implementing AI in their auto insurance products to assess driver behavior and offer pay-as-you-drive policies.

As IoT and wearable technology improves, carriers will be able to use AI to gain an even deeper understanding of customer behaviors, meeting their needs and predicting what their needs might be in the future. With a deeper understanding of the customer, carriers can build products with a greater level of personalization, at scale.

My colleague Jim Bramblet has explored a few ways AI can provide another layer of protection for customers while gathering data about their risk profile and needs. One of the examples he discusses is an IoT-connected factory floor, where AI stops and starts machines as workers pass, notifies team members about parts that need maintenance and enables them to view potential hazards via AR glasses.

Sales and marketing intelligence, recommendations and process automation

Finally, carriers can leverage AI to enhance their sales and marketing performance. Throughout the marketing and sales funnel, carriers can implement AI to surface the most relevant recommendations to customers and address their questions in the moment. For example, UK business insurance company Tapoly uses AI at every customer touchpoint to offer tailored commercial line insurance products to their target market of micro-SMEs and freelancers. They also employ AI to optimize pricing and risk assessment based on customer data.

When customers want to speak directly to a live person, AI can streamline the human-to-human experience and increase the likelihood that the customer achieves the outcome they’re looking for. Agents will benefit from more data and insights at their fingertips, which means that they can seize upsell and cross-sell opportunities in the moment. Agents can rely on an AI assistant to surface the most relevant information in real time and make recommendations as they speak to a prospect.

Sompo has also partnered with AI CRM firm Vymo to build AI-enabled proactive sales coaching technology to improve the service that their team provides. Ping An has developed a similar solution that serves up relevant customer data as well as real-time coaching assistance that enhances agent performance.

How insurers can become AI Achievers

In our recent report, The Art of AI Maturity, we identified five key areas companies need to invest in if they want to realize the full potential of AI and seize the value that’s at stake.

  1. Ensure that leadership champions AI as a strategic priority for the entire organization. When it comes to transformation, everyone is a stakeholder. Leaders must ensure that their teams understand the value AI brings to their everyday tasks, and to the overarching business goals.
  2. Invest heavily in talent to get more from AI investments. Innovation comes from employing a diverse group of people to solve problems in unique and meaningful ways.
  3. Industrialize AI tools and teams to create an “AI core.” To scale AI, carriers need to create repeatable processes that create a strong foundation for increased innovation as time goes on.
  4. Use AI responsibly, from the start. AI ethics and governance needs to be at the center of every AI initiative as carriers scale. Today, only 35% of consumers trust how AI is being implemented by organizations. To retain customers, carriers must demonstrate transparency and minimize bias.
  5. Plan long- and short-term investments. There is no finish line when it comes to AI strategy and innovation. Customer needs will continue to evolve, as will AI capabilities. Those who plan ahead will stay ahead as the need to adapt increases.

AI’s potential in insurance is far from being fully realized, but carriers that take the initiative to build a strong AI program today will see a strong return from those investments. I would love to discuss how you can better leverage AI in your front office, so please don’t hesitate to get in touch with me.


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Disclaimer: This content is provided for general information purposes and is not intended to be used in place of consultation with our professional advisors.
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