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Newegg: $500 Starbucks eGift Card for $450 (Stack with Paze)


Newegg: $500 Starbucks eGift Card for $450

Newegg is offering a $500 Starbucks eGift Card for $450 when using promo code SSF69581 at checkout, saving you $50 instantly. The deal is available via email delivery. You can see the deal here.

Even better, Chase cardholders may be able to stack this with the 10X Ultimate Rewards on Paze purchases by checking out with Paze, potentially earning a significant number of additional points on top of the discount.

A $500 Starbucks gift card is obviously a lot of coffee, but it could make sense for frequent Starbucks customers or those who regularly reload Starbucks balances.

Guru’s Wrap-up

10% off Starbucks is already a solid discount. If you can stack it with 10X through Paze, it gets much better.

HT: DoC

REPUBLIC Collective strikes joint venture with ZIZA Inc. focused on breaking South Asian artists globally


REPUBLIC Collective has partnered with media and entertainment company ZIZA Inc. to launch ZIZA Records, a new label focused on developing and scaling South Asian artists on a global level.

The multi-year worldwide joint venture was announced on Thursday (June 11).

ZIZA Inc. is a New York-based company founded by entrepreneur Shivam Malhotra, who also serves as CEO of Malsons.

ZIZA Records will operate at the intersection of South Asia and key international markets, with a focus on diaspora-driven talent, catalog development, and global audience growth.

“This partnership reflects the continued global expansion of South Asian music.”

Jeffrey Remedios, REPUBLIC Collective

“This partnership reflects the continued global expansion of South Asian music,” said Jeffrey Remedios, President and CEO of REPUBLIC Collective.

Shivam and the ZIZA team have built a strong foundation in the space, and we see an opportunity to grow that internationally together.”

Malhotra enters the partnership following the growth of Malsons Ventures, claimed to be “one of the most influential independent forces in the South Asian music ecosystem,” which the company says has contributed to over 10 billion streams globally.

Malhotra and his companies have worked alongside artists including Shubh and Dhanda Nyoliwala, among others.

REPUBLIC Collective represents the gold standard of modern music culture and global artist development,” said Malhotra.

“For us, this partnership is the beginning of a long-term movement to position South Asian music at the center of the global mainstream.

Jeffrey, Avery, and the entire Republic team understand both the cultural value and the commercial scale of what’s coming next.

“Their belief in our vision, combined with their unmatched global infrastructure, makes Republic the ideal partner to build ZIZA Records into a defining force for this generation of artists.

“Together, we’re creating a platform that will not only break talent globally but reshape how the world experiences South Asian music.”

Jeffrey, Avery, and the entire Republic team understand both the cultural value and the commercial scale of what’s coming next.”

Shivam Malhotra, ZIZA Inc

The joint venture will prioritize signing and developing artists from the South Asian diaspora, particularly those with traction in North America, the UK, Europe, Australia, and the Middle East.

It will also focus on unlocking catalog opportunities through global distribution, sync, and marketing, with additional plans spanning brand partnerships, live experiences, and cross-market collaborations, according to REPUBLIC.

The deal is the latest in a wave of major label joint ventures targeting South Asian music and the South Asian diaspora.

Warner Music Group launched its 5 Junction JV with entrepreneur Anjula Acharia in April 2025, aimed at breaking US-based artists of South Asian heritage in partnership with Warner Records.

Sony Music Entertainment struck its own JV with D36 in 2024, targeting South Asian artists and diaspora audiences.

Elsewhere within Universal Music Group, the company has made a series of moves in the space, including the acquisition of UK-based South Asian music label Oriental Star Agencies in January 2024 and the launch of Desi Trill Music, a JV with Roc Nation co-founder Ty Ty Smith, in 2023.


REPUBLIC itself has also been expanding its roster of international JVs, forming a partnership with Savan Kotecha‘s Visva Records in July 2025, which also carries an India-facing component on its roster.

Remedios was appointed to the REPUBLIC Collective in February 2025 after a decade leading Universal Music Canada.Music Business Worldwide

Reuters Poll Says 30-Year Fixed Mortgage to Remain Above 6% Through 2028


A new Reuters poll conducted between June 1st and June 11th revealed that housing experts expect elevated mortgage rates through at least 2028.

The survey found that the median forecast for the popular loan type is 6.4% for the third quarter of this year and 6.3% for the fourth quarter.

So those looking for any sort of interest rate relief this year might need to be a little more patient.

And the same apparently goes for 2027 and 2028 too, meaning this might be as good as it gets for some time.

When (and how) things could actually improve is another story.

Stubbornly High Mortgage Rates Aren’t Going Anywhere?

The Reuters poll painted a somewhat bleak picture for mortgage rates, which had hit 3.5-year lows in the beginning of March.

But after an unexpected conflict broke out in the Middle East, oil prices shot higher and so did bond yields (and mortgage rates).

They’ve pretty much been stuck there ever since, with a little ebb and flow depending on expectations for a resolution.

Now all we hear is that a deal is right around the corner, only to be told there is no deal, followed by a ratcheting up of threats. Rinse and repeat.

In the meantime, the Strait of Hormuz, a key energy thoroughfare, remains shuttered, keeping costs elevated.

That has ushered in renewed inflation concerns, though many also think it’s transitory as well.

However, the longer it persists, the more it affects the prices of everything we buy, whether it’s gas prices or groceries, which rely on energy inputs to produce or transport.

That’s partially why the housing experts polled by Reuters are seemingly pessimistic about mortgage rates going forward.

The higher risk of inflation being more than just transitory could lead to an eventual Fed rate hike (as opposed to a cut), which would put pressure on bond yields and long-term mortgage rates as well.

The Poll Is Merely a Moment in Time Based on Current Conditions

But it’s important to remember that this is just a snapshot in time and subject to change. It can also be plain wrong.

Things can transpire between now and the next poll, at which point these housing experts might change their tune.

For example, if there is a peace deal at some point and the Strait is reopened and oil prices drop, all of a sudden Fed rate hikes are off the table.

With hikes gone, mortgage rates could ease back to the low 6s or even below 6 again depending on other economic conditions.

And these pundits would simply adjust their outlook as such. That’s kind of the flaw with polls.

They are a moment in time based on conditions at the time of the survey. So using the data in front of them, they make a one-time prediction.

Give them new data in three or six months and they could have an entirely different prediction.

For me, the trajectory of mortgage rates continues to be mostly driven by what happens in Iran.

After all, that’s what pushed mortgage rates back up from those 2022-lows a few months ago…and that’s pretty much what will bring them down again.

So instead of worrying about what the experts say or think, keep an eye on the situation in the Middle East.

If they sort things out, get bullish on mortgage rates. If it drags on, watch out for a 30-year fixed that could rise above 7% or even higher!

Read on: Give my mortgage rate calculator a whirl to see how different rates affect your monthly payment.

Colin Robertson
Latest posts by Colin Robertson (see all)

Peak Bank Review: Online Bank With A High Savings APY



Peak Bank Review

Quick Summary

  • Online banking arm of Idaho First Bank 
  • Offers high-yield savings and CD accounts 
  • No monthly maintenance fees 
  • No ATM access

GET STARTED

Pros

  • Attractive APY on savings

  • No monthly maintenance fees

  • Deposits are FDIC-insured

Cons

  • Limited product offering

  • No ATM access

  • Doesn’t offer outgoing wire transfers 

Peak Bank is an online bank offering two products: a high-yield savings account and certificates of deposit (CDs). It doesn’t charge any monthly fees, and you only need to deposit $100 to open an account. But while you can deposit checks via mobile app, you can’t make ATM withdrawals. But its savings rate is one of the better ones on the market. So, is Peak Bank worth considering? In this full review, I cover the key features, pros and cons, and share a couple of alternatives to help you decide. 

Table of Contents

What Is Peak Bank?
What Does It Offer?
Are There Any Fees?
How Does Peak Bank Compare?
How Do I Open An Account?
Is It Safe And Secure?
How Do I Contact Peak Bank?
Is It Worth It?

What Is Peak Bank?

Peak Bank is an online banking division of Idaho First Bank, an FDIC-insured institution with physical branches in two states — Idaho and Oregon. According to Peak Bank, its mission is to “empower customers to reach their financial summit”, and offers tools and resources to help them “manage their money more effectively.”  

Peak Bank homepage

What Does It Offer?

Peak Bank has a limited product offering, with a high-yield savings account and three high-yield CDs. Here’s a closer look at each: 

Envision High-Yield Savings Account 

Peak Bank’s Envision Savings account offers up to 4.01% APY for new accounts and has no monthly maintenance fees. A minimum balance of $100 is required to open an account. It’s a tiered interest account, but you can currently earn 4.01% on balances up to $499,999. On any balance over $500,000, the rate drops to 3.14%, which is still attractive. These rates are variable and are subject to change at any time.

Note: The account is available only to personal customers — Peak Bank does not offer business or commercial accounts. 

High-Yield CDs

Peak Bank offers high-yield CDs with three different terms: 12, 24, and 36 months. All terms have a minimum balance requirement of $500, with penalties imposed if you withdraw early. 

CD Term 

Rate (% APY)

12 Months

3.69%

 24 Months 

3.34%

36 Months

3.14%

While the current rates offered are lower than what you can get in the high-yield savings account, if you have the flexibility to lock-in your money, the CDs allow you to secure a competitive rate for a specific period. 

Are There Any Fees?

Peak Bank does not charge any monthly maintenance or transaction fees on its savings or CD accounts. However, you will incur penalties if you withdraw from your CD prior to maturity. 

How Does Peak Bank Compare?

If you’re looking for a simple online savings account with a high APY and you don’t need other products, such as a checking account, credit card, or investments, then Peak Bank might be a good fit. Alternatives like CIT Bank and Live Oak Bank have slightly lower savings APYs at the time of writing, but they offer a broader range of products. CIT Bank offers a checking account, home loans, self-directed investing, and financial planning services. Live Oak Bank offers business and commercial accounts, in addition to its personal savings and CD products. 

Header
Peak Bank Review
CIT Bank
Live Oak Bank

Rating

Monthly Fee

$0

$0

$0

Savings APY

Up to 4.01%

3.65% (Savings Connect)

3.80%

Min. Deposit

$100

$100

$0

ATM Access

Cell

OPEN AN ACCOUNT

READ THE REVIEW

READ THE REVIEW

How Do I Open An Account?

You can open an account with Peak Bank by clicking the “Open Account” button on its website homepage. If you are an existing Peak Bank customer, you can log in with your email address and password to begin the account-opening process. 

You have two options for funding your Peak Bank account. You can connect an external bank account using Plaid or make an ACH transfer. Plaid is a secure, third-party money transfer service used by thousands of banks and fintechs worldwide. Keep in mind that the maximum amount for ACH transfers is $5,000, and transfers can take up to 5 days for the funds to become available in your Peak Bank account.  

Because Peak Bank is an online-only bank, checks can only be deposited through its mobile app. You cannot make deposits at Idaho First Bank branch locations. 

Is It Safe And Secure?

Yes, Peak Bank should be considered safe to use. It’s backed by Idaho First Bank, which is a small, but established bank doing business in Idaho and Oregon. It’s an FDIC-member institution, which means that your Peak Bank deposits are insured up to the prescribed limits. Peak Bank uses the highest levels of encryption to protect your personal information, and transfers into your account are made via ACH and Plaid, which is a secure, third-party money transfer system used by thousands of financial entities. 

How Do I Contact Peak Bank?

If you have require assistance, you can contact Peak Bank’s customer service team by calling 866-484-5705, or by email at customerservice@peak.bank. There is also a secure messaging feature available on both the desktop portal and mobile app. 

Is It Worth It?

With only two products, Peak Bank seems geared toward Idaho First Bank customers seeking higher yields on their savings without fees. That said, as long as you don’t need access to ATMs for cash withdrawals, Peak Bank’s savings APY is one of the highest among online banks. If you want better rates on CDs or an online bank that can manage more of your day-to-day financial needs, you’ll want to look elsewhere. 

Check out Peak Bank here >>

Reviewed by: Robert Farrington

The post Peak Bank Review: Online Bank With A High Savings APY appeared first on The College Investor.

Frazil: Free Small Slushie Every Friday In June


The Offer

Direct link to offer

  • Frazil is offering a free small slushie every Friday in June

Our Verdict

Free is free. 

Trump turned environmentalist to slap new tariffs on Brazil, so why are deforestation rates down?



Brazilian officials on Thursday announced a sharp drop in deforestation rates, pushing back on one of the arguments that the Trump administration used last week to justify additional tariffs on the South American country.

In May, Amazon deforestation was 61.4% lower than in the same month in 2025, according to officials from the National Institute for Space Research, or INPE, and the Ministry of Environment.

Still, 370 square kilometers (nearly 143 square miles) of the rainforest were cleared. Deforestation over the same period fell 12% in the Cerrado, a savanna in central Brazil that has long been under pressure from the powerful agribusiness sector.

Environment Minister João Paulo Capobianco said that the figure is the lowest ever recorded for May, and that Brazil is on track to reach its lowest annual levels once the data is consolidated next semester.

He said that the month typically sees higher deforestation, because it marks the start of the Amazon’s dry season. In the 10 months from August 2025 to May 2026, deforestation in the Amazon already fell by 37.5%, compared with the same previous period.

On June 2, the Trump administration proposed 25% tariffs on imports from Brazil, saying that the world’s 10th-biggest economy engages in trade practices that are “unreasonable” and that “burden or restrict U.S. commerce.” The announcement came after an investigation by the Office of the U.S. Trade Representative that accused Brazil of illegal deforestation and unfair tariffs of its own, among other things.

Capobianco said that the deforestation figures “debunk the unfair and unfounded accusation by the United States, which cited deforestation to justify imposing tariffs.” President Luiz Inácio Lula da Silva nodded as he listened to the remarks.

Lula said that the Trump administration lied when they first imposed additional tariffs on Brazil last year, saying that the U.S. had a trade deficit.

“And now they raised questions about deforestation. They don’t understand the work we are doing to bring deforestation down to zero by 2030. This is not a decision by any COP or by the United Nations. It is a decision of our government,” the Brazilian president said, using the acronym for U.N. climate conferences.

“It’s a matter of justice, of Brazil’s contribution to the planet, fulfilling our obligation to avoid deforestation as much as possible. Preventing deforestation benefits Brazil, benefits the Amazon and benefits the world,” he said.

Deforestation is the leading driver of Brazil’s greenhouse gas emissions, which contribute to global warming.

The Amazon, the world’s largest rainforest, also plays a critical role in regulating the climate far beyond South America. Scientists warn that forest loss could accelerate global warming and disrupt agriculture as far away as the U.S. Midwest and parts of Europe.

After reaching record levels in the 1990s and 2000s, deforestation declined until the 2019-2022 term of then President Jair Bolsonaro, whose government was widely criticized for weakening environmental protections. Under Lula’s administration, deforestation has fallen again, reaching its lowest level in a decade last year.

Despite gains in keeping forest standing, however, many other threats, ranging from climate change to potential legislation on the horizon, are putting the forest at risk.

Forest degradation, driven by wildfires, logging and drought, affects about 40% of the Amazon and has outpaced clear-cutting in recent years. All of this could be exacerbated this year with a strong El Niño, a cyclic warming of the equatorial Pacific, which causes higher temperatures and drier weather in the rainforest, conditions that worsen wildfires.

___

The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

How to Actually Finish What You Need to Get Done


ALISON BEARD: Welcome to HBR On Leadership. I’m HBR Executive Editor Alison Beard. On this show, we share case studies and conversations with the world’s top business and management experts, hand-selected to help you unlock the best in those around you. We carefully curate this feed from across the HBR portfolio, aiming to help you unlock your next level of leadership. I hope you enjoy the episode.

CURT NICKISCH: Welcome to the HBR IdeaCast from Harvard Business Review. I’m Curt Nickisch.

Do you ever reach the end of a work day and say to yourself, “The day got away from me.” You started out with a list of things to accomplish, but you got distracted, they piled up and it feels like you never made any headway.

You’re not alone. It’s an all too familiar feeling nowadays, feeling unproductive and anxious. It’s all too common to look back on the day, the week, the month, or the year and feel like you never ended up doing what you wanted to do.

Today’s guest is here to tell you about a productivity practice called timeboxing. It’s the idea that you decide ahead of time what you’ll spend your time on each day, and for how long. The idea that you stick to the calendar you set for yourself, truly focusing on one task at a time.

Our guest today says, “It’s not just a method, it’s a mindset,” and he’s here to help us learn how to take it on. Marc Zao-Sanders is the CEO and co-founder of the learning technology company Filtered.com. And he’s the author of the book Timeboxing: The Power of Doing One Thing at a Time. Marc, thanks for being here.

MARC ZAO-SANDERS: Curt, nice to be here.

CURT NICKISCH: Did you struggle with productivity before you discovered timeboxing?

MARC ZAO-SANDERS: Yeah, very much so. I had a problem at the start of my career. So I was a disorganized mess. I was ambitious, I was bright, I was in a job that I could have done very well in. It was strategy consulting, but I didn’t have a system for organizing my work and getting stuff done. That led to not doing a great job, getting in trouble, feeling stressed and overwhelmed.

CURT NICKISCH: So you weren’t being lazy. It’s not like you weren’t working enough hours.

MARC ZAO-SANDERS: I was working many, many hours. That wasn’t the issue. It was to do with working on what made most difference to the project that you were involved in. But then I saw an article on Harvard Business Review. It’s by a guy called Daniel Markowitz. It was called Why To-Do Lists Don’t Work, and it immediately really struck a chord with me. I thought, “Okay, this makes logical sense. I want to try this immediately.”

And so I did and I spent the next week doing it, actually, the next five years doing it and it really made a huge amount of difference. Not just to how much I was getting done, but also how I felt. It had improved my confidence. I just knew at any given moment what I should be working on.

CURT NICKISCH: What was that idea? I mean, if to-do lists don’t work, you didn’t just get rid of them. What was the idea there?

MARC ZAO-SANDERS: It’s really to bring the benefits of the calendar and the to-do list together. So you put your to-do list in your calendar, you set appointments for when you’re going to get things done.

So you don’t just have a list that you could do at any point in your life. You have a list of items and a time for when they’re going to get done and a system to see when they should be getting done. So it’s a calendar multiplied by the to-do list, which actually brings benefits that are greater than the sum of parts.

CURT NICKISCH: So there’s that old saying, “If you want something to get done, ask the busiest person to do it for you.” What do you make of that when you hear that?

MARC ZAO-SANDERS: Honestly, I would say that almost anyone who is very productive or successful has some kind of system that sounds a lot like timeboxing. They may not be calling it timeboxing, but for example, people who are important or senior in business, they will often have some kind of an assistant, an executive assistant, a personal assistant. What is that person doing? They are largely managing their calendar for them. Almost everyone that has that assistance is timeboxing or actually employing someone to timebox for them and make sure that their use of time is just what it should be.

CURT NICKISCH: I like that idea. It’s a little bit like the same way a budget puts dollars towards things that you think are important; instead of just having 12 things on your to-do list for the day. That putting them into your calendar and giving them different amounts of time and also which ones you do first, I can see how that’s a reflection of just priorities, budgeting your day for what you’d like to get done.

MARC ZAO-SANDERS: Well, exactly, and I think the budgeting analogy works because with a budget you have a finite amount of cash, with your day, you have a finite number of hours, how are you going to spend them? Be intentional about it, have a system for being intentional and timeboxing isn’t the only way of doing it, but I do actually think it’s the most logical, easy, accessible and has multiple benefits. So it’s just such a good way of achieving just that.

CURT NICKISCH: So how does it work in practice? Take us through a typical day.

MARC ZAO-SANDERS: Sure, okay. Well, my typical day starts, I get up, I get dressed, I brush my teeth and then the very first thing I do after that is to timebox for 15 minutes. So I have a recurring calendar appointment in my calendar for 15 minutes and it’s called Timebox Today.

So in that time I’m doing nothing but just thinking ahead to my day and my week and how I should be spending that time. And that’s not just work, that’s also exercise, that might be some reading, some meditation, time with the kids, time with my wife.

I’m putting that together from meetings that I have that I can see elsewhere in the calendar from my inbox, thoughts that have occurred overnight, to-do list obviously. Also just knowing that there are certain activities that are good for me, like learning or spending time with friends or exercise.

So I’m then deciding what is most important and slotting that into my day, usually around some of the existing meetings and commitments that I have. When I’ve done that, the end of the 15 minutes, I can see my whole day ahead. I know then that it will be a good day if I stick to that plan. So it’s a guide all the way through the day, as inevitably, I’ll be pulled in different directions, but I always have a voice telling me, “Well, there’s actually this one thing that you should be doing at this time.”

And so if I get distracted and I feel like I’m distracted, come back to the calendar, come back to the one thing. I immediately feel less stressed, less overwhelmed and get back to that one thing. And even if that one thing is difficult, it’s much easier to face one difficult thing than several things that are irritating you, bothering you at once.

CURT NICKISCH: How do you know how much time to give everything? I mean, how do you know how much time a certain amount of writing or email response or you’ve got many different tasks and yeah, how do you know how much time it’s going to take or how much time to give them?

MARC ZAO-SANDERS: Well, sometimes it’s just really easy because the timeboxes or your aspiration is to meditate for 30 minutes. So by definition, okay, it’s going to be 30 minutes. But for a lot of knowledge work, the thing to do is to base it on your experience of having done something similar before.

So you’ve gone through your inbox before when there are 100 emails, you’ve gone through your inbox when there are 50 emails, you have some sort of sense. You’ll have some internal or maybe explicit external calibration going on. And this is how you avoid the planning fallacy, which is that we don’t anticipate the unexpected, I mean, almost by definition. But if you look back at how long things have taken you in the past, you get that bedded in, that’s factored into the estimate.

You won’t get it perfect at the start, but if you do it a little bit, you’ll get a little bit better. And one of the points of timeboxing as well is that if you say, “Okay, I’m going to write a 500 word blog and I’ve got 45 minutes or an hour to do it.” When you get close to the end, or actually maybe when you get halfway through, you adjust your expectations. So if you’re a little bit ahead, then you can slow down a bit and focus on quality, if you’re a little bit behind, you might need to speed up. So you don’t get to two minutes until the end or the very end and all of a sudden you’ve run out of time and it’s a disaster. You pace yourself.

I call it pacing and racing as you go through the timebox. That’s partly a gamification thing, but also just a planning within the timebox so that you get something that’s useful and shippable done by the end of the allotted time.

Part of the art of timeboxing is adjusting things as you go. So you’re not aiming for perfection with any of the tasks that you’re doing, and none of us achieve perfection with any of the tasks that we do. So we are acknowledging that. We’re saying, “Look, we are going to fix the time. We’re going to get something decent done in this time and then move on to the next thing.”

CURT NICKISCH: And then what do you do if you have a job where little fires emerge? You get that email from your manager or things come up that you just have to deal with as you go?

MARC ZAO-SANDERS: Everyone has plans that change in their job. There’s not a single job that wouldn’t have that. My job is no exception. This is actually the most common objection to timeboxing and I’d say a few things about this. So, first of all, be realistic with the goals that you set in the first place. Only set timeboxes for when you are less likely to be disturbed, if at all possible, you’re less likely to have plans change. So just be sensible about it.

Then allow some slack in your day so that there’s a little bit of just leeway and breathing space in case a small thing changes.

But then, of course, sometimes the plans just will change and they’ll be big. But I would say that this is not very often. If you think about a meeting that you might have and how often do you have to change a meeting? What you do? We do have to change meetings. Sometimes, something comes up for one party or both parties or the other party. But how often is that?

I would say it’s less than 10% for almost everyone. And so if there’s less than 10%, well then sure, you just move your timeboxes around when you need to, which is less than 10% of the time. I do that. Every week, there’ll be some timeboxes that move and it’s shifting a few pixels around on a screen. It’s really not a big deal. So this objection that plans change, I mean, of course they do, but timeboxing is flexible to accommodate that.

CURT NICKISCH: Got it. What does your calendar look like? I’m just curious how much of your time you timebox.

MARC ZAO-SANDERS: My calendar looks pretty full. It is color coded. There are a few different colors that correspond to different areas of my life that I deem to be important. So, friends and family is one of them. The book is another. Timeboxing in general, and then there’s some others to do with work. So they’re color coded. I would say probably 70% of my time is timeboxed in some way.

So there are a lot of timeboxes obviously in each day, and a lot of them are 15 minutes. So I actually have three sizes of timebox. There’s 15 minute timeboxes, small. 30 minute timeboxes, which are medium and 60 minute timeboxes, which are large.

I have these three because they stack nicely. They stack up to an hour, obviously very easily. They’re simple. And I have a lot of 15 minute timeboxes in particular because I feel that for me, I can get a lot done, a surprising amount done in 15 minutes.

So if I break tasks down, so sometimes it might be a 45 minute task really, but I break it down into three lots of 15 minutes and then I get more done. I feel better about that. There’s more time to relax later. Most of my days are timeboxed and then I would say that maybe three quarters of my evenings and the weekends are timeboxed as well.

I really do feel with timeboxing that if I make a plan and I see it through, and this applies to the regular working day as well as the weekends and the evening, if I set the plan and I stick to it, I always feel good about it at the end because I set good intentions.

You don’t think when you’re planning that you’re going to, “Well, why don’t I waste some time here and just be scrolling on social media or watching this Netflix documentary that I’m not really that interested in.” You’ll make plans that do matter to you and if you then get done the things that matter to you, you feel good. I mean, it’s just utterly logical to me. But that’s how and an increasing number of people are living their lives and reacting against the overwhelm and everything else beating at our doors.

CURT NICKISCH: I guess one thing that seems super important here is single tasking. You are essentially blocking off time. And a lot of people do that, right? But you are really just trying to do, you’re a serial single-tasker and not a multi-tasker in that sense.

MARC ZAO-SANDERS: Yeah, I mean, there is some nuance here, but essentially, yeah, what you’re saying is right. That we get a lot more done if we’re focused on one thing. I mean, that’s why actually, my newsletter’s called One Thing at a Time. There is this firm belief that I and many others have that you get a lot more done, you feel less stressed if you’re focusing on just one thing.

Now, the nuance is just that there are some combinations of tasks that do actually work reasonably well together. I mean, for example, you can go for a jog and listen to a podcast. Is that multitasking? Yes. I say single tasking in general for new cognitively difficult tasks.

I’d say one other thing about multitasking, multitasking for most people really just means doing one thing for a short amount of time. Being distracted then about a minute later and then doing something else and then doing something else a couple of minutes after that. So it’s really, it’s also single tasking really, but just doing it minute by minute, not making any progress on any of these things. Feeling frustrated, not knowing what you were meant to be doing at the beginning. And that is a very unpleasant experience.

I get to that as well because you are working on something and it’s fine. You are totally focused on that, and then some thought occurs or there’s some notification that pops up somewhere and you start to be distracted. As that happens, it starts to feel a little bit stressful for me.

And this is actually the real trick, this is the other objection to timeboxing, but what if you get distracted? Well, we all get distracted. It definitely happens to me multiple times a day. When it does, I notice this slightly stressed feeling that I’m having. I actually say out loud to myself, “One thing at a time.” And as soon as I remember even to utter that mantra, I feel more relaxed, I know what I’m supposed to be doing, what I need to do, which is to come back to my calendar. What’s the one thing I’m supposed to be working on? Then get back to that, feel happier, be more productive, happy days.

CURT NICKISCH: Yeah, that’s definitely a familiar thing and I know a lot of people feel like that sometimes, that you can ask them, “How was your day?” Or, “How did things go?” And they’re like, “I’m not even sure exactly what I did.”

MARC ZAO-SANDERS: Well, just hit on one of the most underrated benefits of timeboxing. It’s just to remember what you did on planet Earth that day or even more difficult, what did you do last Tuesday afternoon?

Almost no one would have any idea what they did, but I have a very good idea because it’s in my calendar. Sometimes when you’re reviewing the week, it can be handy as a reflective exercise. It can be poignant. So there’s all sorts of benefits to timeboxing. One of the ones that is least celebrated is the one that you just hit on, which is, yeah, it’s a log. It’s a record of what you did and if you’ve got a record of it that can then unlock your memory.

CURT NICKISCH: How does this work though in an organization? I’m just curious. I have a personal calendar, I have a work calendar, if I timebox on my work calendar, that’s going to look like I’m never available. I also don’t want to, managing two calendars. I’m just curious, logistically, how do you recommend just making the timebox on your calendar, the to-dos line up with the rhythms of an organization?

MARC ZAO-SANDERS: Yeah, okay. So you’ve raised a couple of points there, I think. So one of them is, well, if you timebox your work calendar, it’s going to look like you’re busy all the time. Well, it will by the time you get to the end of your week. But if you think about as you go through this, let’s say it’s a Tuesday morning, you wake up early like I do, and you timebox the day. So at about, I don’t know, 7:30, 8:00 or whenever you’re finished with that, you will at that point have a full-looking Tuesday. But there’s two things with that.

First of all, Wednesday, Thursday, Friday will not be so full. So if anyone wants to spend time with you later that week or the week after, it’s completely fine. There’s also then a question of just your ways of working with people. So you may have fully timeboxed Tuesday, but if people know that you’re an avid timeboxer, they will know that with certain kinds of items that you’ve put in there, they may be movable or half movable or movable in the case of emergencies. So this is about trust and transparency and collaboration and just being clear about how you work with your colleagues.

CURT NICKISCH: This is also the office hours idea too. You can could reserve time on your calendar and communicate that to the people on your team and they know they can always get you then.

MARC ZAO-SANDERS: Exactly.

CURT NICKISCH: I mean, you brought up something there that sort of depends on how it works in your organization or what permissions you have set on your calendar, but people may only be able to see that you’ve blocked off time.

MARC ZAO-SANDERS: Yeah, that is private.

CURT NICKISCH: There’s also the ability then to make it more visible, to show exactly what you are doing when, which is a level of comfort that a lot of people don’t have or need to work up to. What kind of benefits do you see from timeboxing but then also making how you budget and box your time more visible to your team or to other people in your organization?

MARC ZAO-SANDERS: I think if you’ve been asked to do something, and so let’s say, I’m Curt, I want you to write this report and you say, “Yep, Marc, very good. Will do.” That often happens in business that that is the response though. I mean, it’s literally those words, will do.

So you’re saying then to me that you will at some point in the future of time, get this thing done. That doesn’t really help me all that much. It’s a little bit reassuring, but I’m not totally confident you’re going to get it done. And I’m also not confident you’re going to get it done by the time I need you to do it.

CURT NICKISCH: Right, and so in your mind you’re thinking, “I need to follow up now, I got to check on this person.”

MARC ZAO-SANDERS: I might need to follow up, yeah, so it’s an extra stress for me. So just compare and contrast that to, “Okay, thanks, Marc. I will get that done. And it’s timeboxed for 3:00 PM on Thursday. How does that sound?” I can then say, “Well, first of all, thank you for being so helpful.” And secondly, I can say, “Okay, well no, I’m actually going to need it the day before that,” or, “It’s completely fine.”

Regardless, I’m going to feel like you are a great colleague to work with and I feel a lot more confident that you’re going to get the thing done by the time I need you to get it done. So I think part of timeboxing is really about collaboration and communication and a more harmonious work relationship between colleagues. Because when people ask someone to do something and it doesn’t get done or it doesn’t get done to time, it’s often just completely unnecessary that it goes that way. So,-

CURT NICKISCH: It’s funny you say that about communication because if you ask the question, when can I expect that?

MARC ZAO-SANDERS: It sounds a little bit aggressive.

CURT NICKISCH: Yeah, I mean, it’s a totally fair question, but it’s just you feel like you’re checking up on somebody. But you want to know because you need to plan…

MARC ZAO-SANDERS: Yeah. I think with that actually as well, that ideally, if I say to you, “Curt, yeah, I’d like that report by Thursday, 3:00 PM, please,” you can timebox accordingly. It’s actually even more efficient because then you will obviously put the timebox at some point before Thursday, 3:00 PM.

CURT NICKISCH: Right. And you don’t forget a deadline, which is tough and to be like, “Hey, can I have more time on this?”

MARC ZAO-SANDERS: Deadlines have become this dirty word in business, but it’s associated with micromanagement and difficult bosses. It really shouldn’t be. I mean, sometimes there’s just a deadline because something needs to go at a certain point. That’s just a piece of information that we should be able to treat a little bit more robotically. There’s nothing personal about that. We just need to get that information across to others so that they can treat it accordingly. Part of that treatment, in my view, should be, can be and should be timeboxing.

CURT NICKISCH: You’ve been timeboxing for years. How is it a mindset for you? Just tell us a little bit more about what it has done for you.

MARC ZAO-SANDERS: In my case, it has led to becoming an author, so it’s changed my career. For me though, and for many people that I speak to, it is, you can think of it simply as a technique to manage your time better, and it’s definitely that, but it’s actually a lot more. It’s about intention, agency, purpose. It feels a lot bigger. You’re basically saying with timeboxing that, look, life is unpredictable and often hard. We could all do with some guidance. You can’t or don’t want to rely on other people all the time, but there is one source of certainty that each of us has in us, and that is it’s us.

Not us in all moments, when we’re hurried and hurried by everything that’s going on in the world and the hustle and bustle of the day, but it’s us in that earlier quiet moment when we had the space and time to think and the wherewithal to make some good important decisions about what we should do and when that day. That’s us at our very best.

It’s us, you’re accessing yourself in a higher self, in a quieter, better moment and being able to tap into that guide all the way through the day. So that’s how it is with me. I think the greatest benefit that I get from timeboxing is every single day there’ll be a point where I feel stressed. A bunch of thoughts occur to me about what I might be doing, and I can come back to the timebox. But by coming back to the timebox, I’m coming back to me in that earlier moment, giving my future self the reassurance that there is just one thing that you need to be thinking about, be bothered about at that moment. Just come back to that.

CURT NICKISCH: It’s interesting you use the word agency because I do feel that we actually control a lot more than we think we do, right? We do have a lot of control over our time, and we have a lot of autonomy, even in jobs that feel like you don’t have any. But it is, yeah, it’s very easy to feel like you’re losing control or things are controlling you, and you’re saying that timeboxing helps you take ownership of that.

MARC ZAO-SANDERS: Absolutely. There’s a constellation of mega trends, the internet, smartphones, knowledge work, work from home, post Covid in particular, that does exactly what you just described. It means that we’ve got a lot of choice at any given moment over what we do, but we also have a lot of systems and powers that are influencing what we spend time on.

So timeboxing is what is an antidote to that. You’re saying, “Okay, look, there is all of this stuff that you could be doing, but there is just one thing that you should be doing, and it’s whatever you said that you should be doing at the start of your day.” So it’s very, very much about agency. That’s actually, if I had to sum up the whole book in one word, it would be that. It would be agency.

ALISON BEARD: HBR On Leadership will be back next Wednesday with another hand-picked conversation from Harvard Business Review.

This episode was produced by Mary Dooe. On Leadership’s team includes Maureen Hoch, Rob Eckhardt, Erica Truxler, and Ian Fox.

If this episode helped you, please share it with your friends and colleagues, and follow the show on Apple Podcasts, Spotify, or wherever you listen to podcasts. While you’re there, consider leaving us a review.

The Physician’s Guide to Building a Simple AI Workflow



Most physicians don’t need another app.

They don’t need another dashboard, another productivity system, or another tool promising to “change everything.” What they actually need is pretty boring by comparison: a faster way to get through the low-leverage work that quietly chews up their days.

Not patient care. Not anything clinical. The other stuff.

Meeting requests. Committee follow-ups. Scheduling questions. Messages that aren’t urgent, aren’t interesting, but still require you to stop, read, think, decide, and respond. Individually, each one takes maybe two minutes. Collectively, they can steal hours a week without you noticing until you look up and wonder where the afternoon went.

AI can help with that. Not as a magic system that runs your life, but as something closer to a first-pass assistant for the administrative clutter that surrounds medicine.

This article walks through one concrete example: how to build a simple, repeatable workflow for processing non-clinical administrative messages. By the end, you’ll have a framework you can actually use, not just think about using.


Disclaimer: While these are general suggestions, it’s important to conduct thorough research and due diligence when selecting AI tools. We do not endorse or promote any specific AI tools mentioned here. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.

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A Prompt Isn’t a Workflow

A lot of physicians have already poked around with AI. ChatGPT, Claude, Gemini, Copilot — most people have tried at least one of them, asked it something, gotten a decent answer, and then… not really integrated it into anything.

That’s the gap.

A one-off prompt is just a Google search with extra steps. A workflow is something you can run again next week and the week after, on a different message, and get roughly the same quality of output.

That distinction is where the time savings actually come from.

If you use AI once to draft a response, you save five minutes. If you use the same process every Monday to clear your inbox backlog, you save an hour a month. Maybe more.

The tasks best suited for this are ones that happen often, follow a similar pattern, and don’t require you to be the one doing the initial organizing. Administrative messages are a natural starting point.

AI Workflow Example: Processing Non-Clinical Admin Messages

Here’s the setup.

You’re a physician with a full schedule. Between patients, you’re getting messages from colleagues, committees, staff, schools, vendors, professional groups, side projects. Some need a quick reply. Some need to be delegated. Some need more information before you can do anything. Some don’t need a response at all.

The problem isn’t any single message. It’s the decision loop each one creates.

What’s this actually asking? Is it urgent? Do I need to respond, or can someone else handle it? What should I say?

That loop doesn’t feel like much in isolation. But run it fifteen times a day and it becomes exhausting.

The workflow has one job: take a non-clinical administrative message and return a clear summary, a recommended next step, and a draft reply. You still review everything, make the final call, and edit before sending. But you’re not starting from a blank page anymore.

Step 1: Get Specific

The first mistake people make with AI is starting too broad.

“Help me be more productive” doesn’t work. Neither does “help me with my inbox.”

What works is something like: “Help me process non-clinical administrative messages so I can understand the request, figure out what to do next, and draft a response faster.”

That’s specific enough to build around. It tells the AI what it’s working with, what output you want, and what it shouldn’t touch.

Getting narrow at the start isn’t a limitation. It’s how the workflow actually works.

Step 2: Keep It Low-Risk

Before any of this: do not paste protected health information into a general AI tool. No patient names, no dates of birth, no medical record numbers, no clinical details, nothing that could identify a patient.

This workflow is explicitly for ordinary administrative communication. Meeting requests, committee follow-ups, scheduling questions, speaking invitations, networking emails. You can get real time savings without going anywhere near sensitive information.

If you’re working with something confidential, legal, or HR-related, use an approved tool in an approved environment, or handle it manually. Understanding AI legal safety before you build any workflow will save you from costly surprises down the road.

Step 3: Build a Reusable Prompt

This is where most people underengineer.

They paste a message into AI and write “can you help me respond to this?” Sometimes that produces something useful. More often it produces something generic that still requires significant editing.

A reusable prompt takes two extra minutes to write once and saves you from reinventing the wheel every time.

Here’s a version that works:

You are helping a busy physician process non-clinical administrative messages. I will paste one message below. Do not assume any patient-specific information. Do not make final decisions for me. Your job is to organize the message so I can respond faster.

For each message, provide: a short summary, what the sender is asking for, any deadline, urgency level, whether this can be delegated, the recommended next step, and a draft reply under 100 words in a professional but warm tone.

Here is the message: [paste here]

The structure matters. You’re giving AI a role, a constraint, and a clear output format. Each of those reduces variability in the response.

If you want a faster starting point, the ChatGPT prompt cheat sheet covers formats that translate directly into this kind of admin workflow.

What This Actually Looks Like

Say you receive this:

“Hi Dr. Smith, we’re finalizing the schedule for next month’s physician leadership meeting and wanted to see if you’d be available to give a 10-minute update on your department’s current priorities. The meeting is tentatively set for Thursday at 5 PM, but we may shift it depending on availability. Could you let us know by Friday?”

That message isn’t complicated. But it still requires you to stop, parse what they’re asking, check your calendar, think through whether you’re the right person, and write something back.

With the workflow, AI processes it like this:

Summary: Request for a 10-minute department update at next month’s leadership meeting, Thursday at 5 PM. Deadline: Friday. Urgency: medium. Delegation potential: someone else can prepare the department priorities document, but you need to confirm your own availability.

Draft reply: “Thanks for reaching out. Happy to contribute if the timing works. I’ll confirm my availability for Thursday at 5 PM and get back to you before Friday. If it works, I can put together a brief update on our current priorities.”

Not revolutionary. Just useful.

You didn’t write that from scratch. You read it, decided it was accurate, adjusted one word, and moved on. The message is handled. The mental loop is closed.

That’s how AI saves time in real life. Not through dramatic transformation, but through small frictions removed repeatedly.

Step 4: Add Your Preferences

After you’ve tested the basic version a few times, make it yours.

You might want every draft reply to stay under 100 words. You might want AI to flag anything that requires your personal judgment rather than just guessing at an answer. You might want a specific tone, or a note anytime the task should be delegated to a coordinator.

These rules help the AI produce outputs that actually sound like you and work within your actual preferences.

Updated version of the prompt:

You are helping a busy physician process non-clinical administrative messages. Do not make final decisions for me. Do not include or assume patient-specific information.

Rules: suggest delegation when the task is mainly scheduling or coordination. Flag ‘physician decision needed’ when my judgment is genuinely required. Mark urgency as low if there is no clear deadline. Keep replies under 100 words. Use a professional but warm tone. Do not commit me to anything unless I explicitly say yes.

For each message: summary, request, deadline, urgency, recommended next step, draft reply.

Here is the message: [paste here]

At this point, you’re not just using AI. You’re training a process.

Step 5: Make It a Habit, Not an Experiment

The workflow only sticks if it fits into your schedule.

Don’t try to use it for every message the moment it arrives. That creates more context-switching, not less.

Instead, pick two or three admin blocks per week. Monday to clear weekend messages. Wednesday to handle anything unresolved. Friday to close open loops before the weekend. Run the workflow in batches.

Over time, you’ll notice that messages fall into familiar categories: quick reply needed, needs a calendar check, can be delegated, needs more information, no response required. Once those patterns become visible, you can start organizing around them. Nothing complicated. A few labels in your inbox, maybe a folder system.

The first couple weeks, just track one thing: are the draft replies usable enough to reduce the time it takes you to respond? If the answer is yes, keep going.


Unlock the Full Power of ChatGPT With This Copy-and-Paste Prompt Formula!

Download the Complete ChatGPT Cheat Sheet! Your go-to guide to writing better, faster prompts in seconds. Whether you’re crafting emails, social posts, or presentations, just follow the formula to get results instantly.

Save time. Get clarity. Create smarter.


What to Look For Next

Once one workflow is running, it becomes easier to spot others.

The question isn’t “how can AI fix my workday?” It’s “what’s one thing I do every week that AI could help me start, sort, summarize, or draft?”

For some physicians, that’s meeting notes. For others, it’s monthly reports, template emails, or turning rough notes into a structured agenda. Writing, summarizing, and organizing are where today’s AI tools are most consistent.

If you want to see the bigger picture of where this leads, AI skills for physicians and how to stay competitive is a useful read alongside building your first workflow.

Physicians looking to go further are also starting to explore AI side hustles that convert these same workflow skills into additional income streams, worth knowing exists even if you’re not ready for it yet.

Keep the scope narrow. One task, one workflow, two weeks of testing.

If it works, it works. Build the next one from there.

The Bottom Line

AI doesn’t become useful until it connects to something specific you actually do.

The workflow in this article handles one narrow thing: non-clinical administrative messages. It helps you understand what’s being asked, figure out the next step, and draft a reply without starting from scratch every time.

Your judgment still drives everything. You review the output. You protect patient privacy. You decide what gets sent.

But you’re no longer treating each message like a blank-slate problem.

That’s the real value here. Not transformation. Not automation. Just a repeatable process that removes a small amount of friction, week after week, until you’ve reclaimed enough time to notice.

Start with one task. Run it for two weeks. Go from there.


At Passive Income MD, we cover practical AI workflow tips for physicians who want to reduce administrative drag and protect more time for the work that actually matters.


Download The Physician’s Starter Guide to AI – a free, easy-to-digest resource that walks you through smart ways to integrate tools like ChatGPT into your professional and personal life. Whether you’re AI-curious or already experimenting, this guide will save you time, stress, and maybe even a little sanity.

Want more tips to sharpen your AI skills? Subscribe to our newsletter for exclusive insights and practical advice. You’ll also get access to our free AI resource page, packed with AI tools and tutorials to help you have more in life outside of medicine. Let’s make life easier, one prompt at a time. Make it happen!


Disclaimer: The information provided here is based on available public data and may not be entirely accurate or up-to-date. It’s recommended to contact the respective companies/individuals for detailed information on features, pricing, and availability. All screenshots are used under the principles of fair use for editorial, educational, or commentary purposes. All trademarks and copyrights belong to their respective owners.

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Further Reading



New hiring platform aims to fill recruiting gap in Canada’s mortgage industry




Alignra founder says the industry-specific platform is designed to help brokerages, networks and lenders create better job postings, screen candidates and recruit talent more intentionally.