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The advantages of becoming a part-time fitness instructor and where to start

Kraig Pakulski 0 107 Article rating: No rating

A fitness instructor leading a class.

KOTOIMAGES // Shutterstock

 

Part-time fitness instructors enjoy a lucrative side hustle while staying fit — and helping others stay fit, as well. If you’re interested in becoming a fitness instructor while still managing your other responsibilities, this guide from Zumba on the benefits of being a part-time instructor is just what you need to get started.

Why Should You Become a Part-Time Fitness Instructor?

There are many advantages of becoming a fitness instructor, including enhanced convenience, flexibility, and earning potential. If you’re considering starting a career as a part-time fitness instructor, here are some of the benefits you can enjoy.

Provides a Low-Risk Way to Test the Career

Becoming a part-time fitness instructor allows you to test the waters before quitting your day job. If you’ve never worked in the fitness industry, a part-time role can give you firsthand experience in what it’s like.

A part-time career can show you if you have the capacity and entrepreneurial spirit to succeed as a full-time fitness coach. It can also provide a profitable side hustle while you enjoy the stability of your full-time career. If being a part-time fitness instructor is not a good fit, it won’t be a major loss, as compared to embarking on a full-time fitness career.

Helps You Find Your Specialty

When you become a part-time fitness instructor, you get to explore different formats without committing to one permanently. You can try out one-on-one coaching or group training to evaluate if you prefer to work with individuals or groups. You can also try out different niches like dance-based workouts, weight training, and weight loss specializations.

Gives You a Flexible Schedule

Working part-time makes it easier to schedule your sessions around your life. You can create boundary hours where you’re free from work and coordinate times with clients that work for both of you. It also makes it easier to plan your sessions ahead of time and take time off for vacations or special events when you need it.

Offers Enhanced Earning Potential

With part-time fitness training, you can earn extra cash to help with bills or fund extra costs when needed. You can also set your own hourly rates, giving you more control over your earnings. The more clients or classes you take on, the more income you receive. With marketing, location, and the right clientele, you can create a fruitful stream of income.

Rewards You With Purposeful Work

Being a part-time fitness instructor gives you a rewarding way to make money. You can empower clients with the skills to keep themselves fit and reach their health goals. When you help a client reach their fitness goals, you help them build their confidence, which can be deeply fulfilling for both parties.

Brings You Additional Health Benefits

Workers with too little physical activity and Read more

Deer are destroying British Columbia's island ecosystems. Indigenous hunting could be the solution

Kraig Pakulski 0 96 Article rating: No rating

Broad-leaved Shooting Star wildflowers in a Garry Oak meadow on Vancouver Island, British Columbia.

WhisperingOaksPhotography // Shutterstock

 

The Gulf Islands around Vancouver Island are beautiful — full of lakes and sheltered bays, and dotted with meadows and deer grazing along the road.

At first glance, most walking through these islands would believe what they see is natural and healthy — but the environment is actually “highly degraded,” Tara Martin, professor in the department of forest and conservation sciences at the University of British Columbia, explained to The Narwhal.

Those meadows were once filled with food and medicine plants and trees. But since the 1970s, the deer population on these islands has exploded and many native plants and trees can’t thrive. Native black-tailed deer, along with invasive fallow deer, have grazed these ecosystems into decline, one nibble at a time.

“[It’s a] very slow, gradual loss — so slow that most people don’t even recognize it,” Martin says.

Martin has been investigating the issue for 15 years. She co-authored a study published in November in People and Nature, which concludes Indigenous hunting is the most cost-effective and efficient solution to reduce “hyperabundant deer” — a population that has grown so large as to be environmentally unsustainable — on the Southern Gulf and San Juan Islands, bringing balance to a stressed ecosystem and benefiting human well-being.

University researchers worked with First Nations knowledge-holders and provincial and federal scientists on this study to create models of a range of solutions and their costs, and predicted success and uptake. They also predicted Indigenous hunting would have the highest chance of achieving objectives within 10 years on bigger islands.

“At the moment, what we’re seeing is we are putting a higher value on deer than everything else. And so we are losing hundreds of incredible plants — plants that pollinators, bumblebees, rely on,” Martin says.

“We’re losing Garry oaks, these amazing trees. We’re losing arbutus. … Ultimately, we’re heading towards an ecosystem that is much more simple and uninteresting and less biodiverse.”

To Tsawout Hereditary Chief W̱IĆKINEM Eric Pelkey, a co-author, the findings reaffirm the W̱SÁNEĆ goals to revitalize the Garry oak ecosystem — unique, highly biodiverse and critically endangered — and promote food sovereignty. Garry oak woodlands, which in Canada are found only in southwest B.C. and are one of the rarest ecosystems in the province, are crucial habitats for many native plants and animals, but have been threatened by urban development and invasive species.

“This is for the benefit of everyone. We’re trying to save our ecosystem,” Pelkey told The Narwhal.

Even as a child on Salt Spring Island in the 1970s, Martin recalls walking through fields “almost shoulder-deep in wild flowers” like camas, biscuit root, desert parsley and chocolate lilies. It was a “kaleidoscope of colour,” she remembers.

Hyperabundan

Which safety features actually lower your car insurance rate?

Kraig Pakulski 0 107 Article rating: No rating

A car's steering wheel with a deployed airbag.

rdonar // Shutterstock

 

For years, the promise has been clear: A safer car equals lower car insurance premiums. While this general rule holds true, the auto insurance landscape is rapidly changing. Not all safety features are created equal in the eyes of an underwriter. The rise of advanced driver-assistance systems (ADAS) has introduced new layers of complexity and cost to vehicle repair, which can mitigate the potential savings. Cheap Insurance helps you understand which safety features and discounts are worth asking your carrier about, ensuring you get credit for your vehicle’s protective technology.

Understanding which features truly translate into a discount and which ones simply contribute to your car’s overall safety rating is the key to maximizing your savings. Insurers look for features that minimize the two biggest costs: injury claims (reducing payouts for medical expenses) and comprehensive claims (reducing the risk of theft and total loss).

The Big Three: Foundational Features That Offer Solid Discounts

Certain features have been around long enough to have proven their effectiveness to insurers, offering some of the most consistent and substantial discounts. These features primarily impact the likelihood and severity of injury claims and theft.

1. Advanced Airbags and Safety Restraint Systems

  • The discount driver: These systems reduce injury severity and fatality in a collision.
  • The impact: This is often the most significant single discount you can receive for a safety feature. Because these systems dramatically reduce the risk of severe injury, insurers are willing to offer some of the largest price reductions. For instance, data from the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) shows that vehicles equipped with highly rated seat/head-restraint combinations reduce the rate of injury claims by over 11% in rear-end crashes compared to poorly rated systems. This proven reduction in the likelihood of high-cost medical payouts allows carriers to offer discounts typically ranging from 15% to 40% on the personal injury protection (PIP) or medical payments portion of your premium.

2. Anti-Theft and Vehicle Recovery Systems

  • The discount driver: Anti-theft and vehicle recovery systems reduce the risk of theft or vandalism to the vehicle, which impacts comprehensive coverage losses for the insurer.
  • The impact: Discounts are available for both passive and active anti-theft devices. Passive devices (like engine immobilizers) and active GPS tracking systems can earn you savings on the comprehensive portion of your premium, which covers theft. Discounts for factory-installed anti-theft systems can be as high as 23%.
  • What to look for: Consider factory-installed engine immobilizers and subscription-based GPS tracking systems.

3. Anti-Lock Braking Systems (ABS)

How can I avoid capital gains tax without a 1031 exchange?

Kraig Pakulski 0 127 Article rating: No rating

A business woman reviewing finance reports at work.

Natee Meepian // Shutterstock

 

Understanding capital gains taxes from a property sale and the legal strategies you can pursue to manage tax liabilities from selling an asset can help you preserve the wealth you’ve built in your property. Although you may have heard of using a 1031 exchange to defer capital gains tax from real estate sales, do you have other options for avoiding capital gains tax without a 1031 exchange?

In this story, 453 Trust Powered by Pennington Law highlights alternatives to 1031 exchanges for managing the tax implications of a property sale, including deferred sales trusts.

What Is a 1031 Exchange?

A 1031 exchange allows a property owner to defer paying capital gains taxes after selling a piece of real estate that has appreciated during ownership. When real estate gains in value during ownership, the owner must pay capital gains tax (usually 15% or 20%) on the amount of appreciation — the difference between the property’s value when the owner acquired it and the value when the owner sold it. With a 1031 exchange, a property owner can defer paying capital gains taxes when they reinvest the sale proceeds through an intermediary facilitator in other qualifying real estate within a specific timeframe after the sale.

What Are the Benefits of a 1031 Exchange?

A 1031 exchange can offer a property owner various benefits to assist with financial and legal planning when selling their property. The top 1031 exchange benefits include the following:

  • Deferring capital gains taxes – A 1031 exchange allows a property owner to defer capital gains tax when they sell a piece of real estate by reinvesting the sale proceeds into a new property.
  • Enabling reinvestment into a property with greater growth potential – 1031 exchanges allow property owners to reinvest their gains from one real estate investment that has reached its full growth potential into another property with future growth potential.
  • Passing assets to heirs – Using a 1031 exchange to reinvest money in real estate, a person’s beneficiaries may avoid capital gains taxes once they inherit the person’s real estate holdings, since they inherit the property on a “stepped up” basis at the current market value.

What Are the Limitations of a 1031 Exchange?

Although a 1031 exchange can offer numerous financial benefits, it may also have various drawbacks and limitations that make it unsuitable, depending on a property owner’s financial needs and goals.

Some of the major limitations of a 1031 exchange include the following:

  • Limitations on reinvestment – 1031 exchanges only allow property sellers to reinvest their sale proceeds into other real estate. For example, a seller may not reinvest the money into a business or stocks.
  • Deadlines for reinvestment – A 1031 exchange requires a seller to find and reinvest the sale proceeds into a qualifying property within a specific timeframe after the prope

Retail AI investors stay bullish on AI stocks, Motley Fool survey finds

Kraig Pakulski 0 116 Article rating: No rating

Traders work on the floor of the New York Stock Exchange during morning trading on November 19, 2025 in New York City.

Michael M. Santiago // Getty Images

 

Stock market news has been dominated by artificial intelligence (AI), and retail AI investors appear to be holding steady on their AI stocks despite debate over whether an AI bubble is forming.

The Motley Fool’s 2026 AI Investor Outlook Report found that less than 10% of AI investors plan to reduce their AI stock exposure over the next year, while about 60% of all Motley Fool survey respondents are confident in AI stocks’ long-term returns. This suggests that individual investors are buying into AI’s potential for long-term growth even amid short-term volatility.

The survey’s upbeat sentiment also reflects a broader trend playing out in the stock market. Of the 10 publicly traded companies that score highest for AI readiness and execution in The Motley Fool’s Moneyball database as of Nov. 24, 2025, six have beaten the S&P 500 over the past five years. Overall, those 10 stocks had an average return of 220% compared to the S&P 500’s 84% over that period.

Stocks with strong AI capabilities outperforming the S&P 500 over the long term indicate that AI investors’ optimism around AI aligns with real, measurable business performance. The survey results suggest that this optimism is spreading broadly, encompassing diverse demographic and income groups, signaling growing confidence in AI-driven businesses and leadership.

AI investors and younger, wealthier Americans drive confidence in AI stocks

Overall, 62% of respondents surveyed by The Motley Fool say they are confident that companies investing heavily in AI will deliver strong, long-term returns. That share jumps to 93% among investors who already own AI-related stocks and AI ETFs, showing that existing AI investors are bullish on the technology’s trajectory.

Confidence in AI’s ability to generate long-term returns is highest among younger adults and high-income Americans: 67% of Gen Z and 63% of millennials express long-term optimism, along with 65% to 71% of those earning between $150,000 and $200,000 or more annually. Baby boomers remain the most skeptical group, split evenly at 50% confidence.

Expectations that AI will deliver strong returns to companies that invest in the technology are based on its ability to fundamentally change business and the economy, according to Asit Sharma, CPA, senior investment analyst at The Motley Fool, who covers AI stocks and the technology sector.

“The continued progress in capabilities of the latest frontier models, the productive employment of capital across the economy to support AI infrastructure, and ris

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