Rent The Runway – Honest Review

TLDR: Do not use this company. It is misrepresenting the quality of the products they send. Their staff are VERY friendly and professional. I cancelled and was offered big discounts to stick around another month. The models are mostly very small frame (I am not). The reviews by users are ONLY the positive ones – I have confirmed personally that other people that have left RTR had their negative feedback on an outfit “disapproved” for posting. This means you are being manipulated into thinking everything is glorious – and in fact, it is not.

The Details of my Conclusion

It took HOURS to find outfits I liked or that would look decent on me.

The outfits arrive in a satchel that was absolutely HAMMERED on transit.

The clothing inside was smushed and smashed requiring pressing more than a quick press – actual professional work needed to bring them to a decent wearable look. Definitely nothing like the pictures they have on their site.

The clothing that I returned immediately was because of how faded, tattered at the seams and shabby they were. Hems were rolling up (this happens when you over heat). Collars had worn seams showing, sweaters were stiff and definitely over heated in the cleaning process) plus pilling. I did share all of this helpful information in my kind review – including photos to help – and the response was: here are 4 more outfit credits to shop on top of the ones you already get…but you have to return all of this within 24 hours (which I could not but I did get that done after 4 days).

Off I went to find 4 more items. Too much time spent.

The Goodwill nearby had better quality products in their high-end area.

One outfit smelled like a smoker wore it or it was around smokers. Yuck.

I cancelled – definitely making it clear – yet I get confusing emails celebrating my next shipment. This requires me to spend MORE time with the company to confirm, reconfirm and triple (as of yesterday) confirm that I am NOT a member and will not have my card charged.

Now to unhitch all of my personal information, including my credit card. Not possible.

I had to fill in a special form for them to “consider” it. They do not allow you to remove a card unless you are putting a new one in its place.

Thankfully I have a legal service I can rely on to demand they completely remove everything. When I get that done, I’ll come back and report what happened.

For now: I really do not recommend this service.

You can find second-hand high-end outfits locally spending the same amount of time, paying less and then you can donate them (or sell them if you have that time available).

This is a $400 Blazer – not taken care of. I left it hanging 24 hours hoping this crumpled look would work its way out.

THE C.H.A.O.S. in the F.O.G.™ COARSE

Client Handling & Operations Strategy inside a Framework-Optional Growth Model

“If you can’t see the strategy, neither can your competitors.”

ARE YOU READY TO PRESERVE YOUR CURRENT WORKFLOW WITHOUT INTERRUPTION?

This exclusive coarse supports independent agents who prefer flexibility over structure and optimism over documentation. Designed especially for professionals transitioning from corporate enrollment roles where someone else previously handled marketing, retention, onboarding, scheduling, and direction.

WHAT YOU’LL MASTER

MODULE 1
Structured Disorganization

Operate confidently without written procedures while reassuring others you “have a process.”

Key tactics:
• Keep onboarding flexible (undefined)
• Store client information across multiple notebooks
• Trust memory over CRM
• Update nothing consistently

MODULE 2
Inbound Opportunity Dependence

Strengthen your belief that referrals will arrive eventually without asking for them.

Key tactics:
• Wait for the phone to ring
• Avoid proactive outreach
• Skip relationship maintenance
• Assume reputation compounds automatically

MODULE 3
Spreadsheet Relationship Management

Experience the flexibility of tracking client information across multiple locations simultaneously.

Key tactics:
• Track partial notes inconsistently
• Duplicate contact records confidently
• Lose renewal timing organically
• Archive follow-ups indefinitely

MODULE 4
Selective Availability Scheduling (Early Bird Edition)

Protect your personal calendar from evening and weekend opportunities while confidently embracing the philosophy that success belongs to early starters—without the inconvenience of actually beginning early.

Participants will learn how to:

• Return calls later (strategically tomorrow)
• Avoid evenings during decision season
• Preserve weekends during enrollment opportunities
• Reference “the early bird gets the worm” as a guiding principle
• Begin outreach after clients are no longer available
• Replace responsiveness with routine consistency

Key principle:
The early bird gets the worm… unless the worm calls at 6:30 PM.

Clients appreciate knowing exactly when they are allowed to need you.

MODULE 5
Marketing Minimalism

Avoid newsletters, visibility campaigns, referral conversations, and follow-ups while trusting reputation alone to carry your business forward.

MODULE 6
Corporate Mindset Preservation

Continue expecting someone else to handle:

• Branding
• Lead generation
• Retention strategy
• Onboarding systems
• Business direction

MODULE 7
Professional Development Avoidance Strategy

Maintain independence from new information by confidently declining carrier trainings, compliance updates, and market manager invitations.

Consistency is easier when nothing changes.

WHO SHOULD ATTEND?

This coarse is ideal for professionals who:

✔ Prefer reacting instead of planning
✔ Maintain multiple spreadsheets per client
✔ Believe visibility happens naturally
✔ Skip trainings labeled “optional”
✔ Work strictly on their own terms
✔ Trust memory more than systems
✔ Are certain the phone will ring eventually

CERTIFICATION INCLUDED

Graduates receive the prestigious designation:

C.R.B.™
Certified Reactive Broker

No preparation required.
No systems introduced.
No habits changed.

Enrollment is ongoing.
Preparation is optional.
Results are assumed.

APRIL FOOLS!!!

(The “coarse” was fake. The collaboration is real.)

Independent brokers wear a lot of hats. Marketing, retention, communication, education, compliance, systems, and community presence don’t build themselves.

For years, the idea of brokers collaborating and coordinating together has been quietly percolating in my mind. I believe there are many of us who want to build strong, sustainable businesses while supporting each other along the way.

Not through social media noise—but through thoughtful, intentional connection.

I’m creating a simple email-based space for brokers who are willing to:

• share what’s working
• ask thoughtful questions
• exchange real-world experience
• support ethical, client-centered practices
• and keep a little humor in the process

If that sounds like you, I’d love to stay connected.

Bring What You Know. Take What You Need.

Join the Nationwide Huddle of Brokers – it’s free to participate.

If this made you laugh a little and think a little, you’re probably exactly the kind of broker I’m hoping to connect with.

CLICK HERE – YOU’RE ON THE GROUND FLOOR! LET’S GO!

Why “I Love You” Isn’t Enough: The Transformative Power of Adding “Because”

A Heartfelt Reflection for the Holiday Season

As the year 2025 draws to a close and we prepare to welcome 2026, I’ve been reflecting on those three little words we often say without much thought: “I love you.”

When we’re young, these words flow freely – to family, friends, even our pets (because let’s be honest, our furry companions absolutely deserve them). But as we grow older, something shifts. We become more thoughtful, more deliberate. We begin to question: Do I truly love this person? What does that even mean?

I believe we do love – just in different capacities and depths. And during this season of gratitude and connection, I’ve realized something powerful: “I love you” becomes infinitely more meaningful when followed by “because…”

Why Your “Because” Matters More Than You Think

One of my first HappyLope envelopes – I’m no expert painter, I just enjoy it a lot.

In our fast-paced world, we’ve reduced love to a casual sign-off. But what if we took a moment to deepen those connections? What if we explained why someone makes our heart beat a little faster, our soul a little brighter?

Here’s what I’ve discovered about adding “because” to “I love you”. These are my actual thoughts when I’m talking to a person, writing them a letter or email or just thinking about them with the radio off driving in silence. If you know me, you know which of these applies to you (some more than others).

ReasonWhy It Matters
You make me feel so appreciatedRecognition fuels our sense of worth in ways we often underestimate
You help me, constantlyConsistent support builds the foundation of lasting relationships
You support my goals and dreamsTrue love cheers for your growth, even when it means you might outgrow them
You are a good human beingCharacter matters more than charm when the years add up
You’re humble and caring without an audienceAuthentic kindness reveals true character
You keep calm in tough timesEmotional stability creates safety in relationships
You clearly want me to succeedSelfless support separates casual connections from meaningful bonds
You’re productive, motivated and inspiringGrowth-oriented people lift everyone around them
You share positivity that makes me feel goodJoy is contagious, and we become like those we spend time with

The Ripple Effect of Specific Love

When we articulate why we love someone, something magical happens. It’s not just about making them feel special (though it does that beautifully). It’s about training our own hearts to see the goodness in others.

This practice has changed how I move through the world. I find myself noticing more – the small kindnesses, the quiet strengths, the everyday graces that make people remarkable. And with each observation, my capacity to love deepens.

Your Challenge This Holiday Season

As we transition from 2025 to 2026, I invite you to try something simple but profound:

The next time you say “I love you,” add your “because.”

Start small. Maybe it’s to your partner: “I love you because you always know when I need quiet space.” Or to a friend: “I love you because you remember the little things that matter to me.” Even to your pet: “I love you because you greet me like I’m the most important person in the world, every single time.”

Say the words out loud!

At first, it might feel uncomfortable. That’s okay. Like any meaningful practice, it takes time to become natural. But trust me – the more you do it, the more you’ll see reasons to love the people in your life. And eventually, you won’t just be saying “I love you” more meaningfully – you’ll actually be feeling it more deeply.

This isn’t just about words. It’s about cultivating a mindset of gratitude and attention that transforms how we connect with everyone around us.

So as the clock ticks toward a new year, I leave you with this: Love grows when we name it. Try it, and watch how your relationships – and your heart – expand in ways you never expected.

What’s one “because” you’ll share this holiday season? I’d love to hear your stories in the comments below.

I love you because you are taking the time to pay attention to me through this tiny blog site I’ve had for a long time.

PLP,

Sarita

Peace! Love! Positivity!

The BEST Avocado Salad Ever

Fresh Black Bean & Avocado Cilantro Salad

A vibrant, protein‑packed salad that disappears every time it hits the table. Sweet corn, creamy avocado, and a zesty lime‑garlic dressing make it perfect for potlucks, picnics, or an easy week‑night side.

Ingredients

Salad

  • 2 (15‑oz) cans black beans, rinsed and drained
  • 3 ripe avocados, diced into bite‑size cubes
  • 2 cups chopped cilantro (packed)
  • 3 ears fresh corn, kernels removed (≈ 2 cups)
  • 1 red bell pepper, diced
  • ½ medium red onion, finely chopped
  • 1 cup cherry tomatoes, halved
  • ¾ cup cilantro leaves, roughly chopped (reserve for garnish)

Lime‑Garlic Dressing

  • A scant ¼ cup extra‑virgin olive oil
  • 2 garlic cloves, minced (use 2 bulbs only if you’re a garlic lover!)
  • ¼ tsp kosher salt
  • ½ tsp freshly ground black pepper
  • ¼ tsp cayenne pepper
  • ¼ cup freshly squeezed lime juice (≈ 2 limes)

Instructions

  1. Combine the salad base – In a large bowl, add black beans, corn, bell pepper, red onion, chopped cilantro (from the 2‑cup portion) and cherry tomatoes. Gently toss to distribute.
  2. Fold in avocado – Add the diced avocados and carefully fold with a spatula so the cubes stay mostly intact.
  3. Make the dressing – Add olive oil, garlic, salt, pepper, cayenne, and lime juice to a mason jar. Screw on the lid and shake vigorously until emulsified.
  4. Dress the salad – Pour dressing over the salad and toss gently until everything is lightly coated.
  5. Garnish – Transfer to a serving dish and sprinkle the reserved ¾ cup cilantro leaves over the top for a fresh pop of green.
  6. Chill – Cover and refrigerate for at least 2 hours to let the flavors meld. Serve chilled. NOTE: you do not have to wait 2 hours.

Tips & Variations

  • Char the corn on a grill or skillet first for a smoky twist.
  • Swap cayenne for finely diced jalapeño if you prefer fresh heat.
  • Add crumbled cotija or feta just before serving for a touch of creaminess.

This salad keeps well (covered) in the fridge for 2‑3 days—the lime juice helps the avocado stay bright.

Story Time: Protecting Yourself In Healthcare

Three quick stories that can save you stress, peace of mind and MONEY!!

CRISIS TIME IS NOT THE RIGHT TIME TO PREPARE

Happily married couple for decades.  Successful husband and bread winner.  Wife raised their family.  Life was rolling along as planned until husband’s health took a turn.  They were Retired by this point in life and he was the ONLY person that had the data about their financial house, including their healthcare coverage. 

After a year of battling this health problem, husband became bed ridden and unable to communicate.  Wife did not know the circumstances she would be facing until too late.  She had to reconstruct their financial house and healthcare from clues.  She did not know passwords, accounts, names of plans…things you need to know.

  1. Share your Financial House data with your Spouse or if you are not married, share with someone you trust with your life choices.
  2. Complete a Medical Durable Power of Attorney (MDPOA) process FOR BOTH OF YOU so you can speak on the others’ behalf in crisis.   Not all States handle this the same.  Here is the COLORADO link.  https://cdphe.colorado.gov/palliative-care/advance-care-planning-for-patients-and-families
  3. In my field I have two PLATINUM GOLD resources that can help you navigate:  Andrea Wacker with Legal Shield and Shalah Mae Zimmerman – Mobile Notary (719) 491-3718.  Do not hesitate!  Call them now and get on their calendars to get this into motion.

ONE STEP SAVED $7,600

New Medicare Beneficiary visits doctor and discovers there will be three procedures that must be done.  Asks Doc to get the authorization IN WRITING before scheduling.  Doc office assures Beneficiary they are “good” so the procedures are scheduled and completed.  All is good. 

Beneficiary goes on a month-long vacation and returns to a bill for $7600 from Doc office. 

Calls them to ask why they are holding a bill for the procedures to which Doc Office says, “Carrier did not approve them.” 

Luckily, Beneficiary had this authorization IN WRITING and held her ground: that was NOT their problem and she is not paying that bill. 

Doc office tried to negotiate but failed.  Someone had a job at the Doc office to get authorizations and THEY LIED ABOUT IT.  The Carrier was in the clear: they had not given authorization.  The Beneficiary was in the clear: had it in writing that it was covered.  I can only assume that the Doc Office administrator that lied is not working there any longer.  

  1. Do not accept procedures without Prior Authorization.  Get this in writing.  Don’t be frustrated that you have to do this.  You will be glad you did!

PROOF IS EITHER IN THE PUDDING OR IN WRITING

Beneficiary called her Supplemental Company three times to make sure she was covered for a trip to Canada to visit friends. 

Three times, she asserts, she was told she was covered.  She is the type of person that plans! 

With peace of mind she visits Canada and on one of their excursions she falls off her bike crashing.  This landed her in the hospital for a lot of procedures and a week in-patient stay.  Now, remember, Canada isn’t going to accept Medicare.  How it works: she gets the care she needs, pays the Canadian bills and brings receipts home for reimbursement.  Which she did.  Her Supplemental Company DENIED HER REIMBURSEMENT completely. 

She (understandably) felt betrayed and asked,

“WHY did you deny my claim when I had three conversations confirming my coverage would follow me to Canada?  You confirmed it!”

and their response,

“PROVE IT.”

NO DICE, she could not…and now she is paying tens of thousands of credit card debt.  

  1. Again, get things IN WRITING.  
  2. Keep a journal of all of your conversations with carriers.  The date, time of call, reason for call, the individual people’s names you talked to, any “record or service number” connected to the call, record the call if you can, notes of outcome from the call.  This type of meticulous documentation is very useful in proving you did and said what you did and said!  Guess what the percentage of people is that KEEP RECORDS LIKE THIS?  Better yet, just ask 10 of your friends or family if they do.  I don’t have a scientific study to give you a perfect response but I’ve met with 250 people this year and 5 of you keep close track of all correspondence.

DISCLAIMER!

I wrote the above at 80 miles per hour. Pardon the errors and typos. AI is losing its mind with suggestions on changing and re-working my post. I have three days left to help people get their Medicare House in order for 2025.

Open Enrollment closes on December 7th at midnight.

CALL YOUR BROKER AND GET YOUR PLAN REVIEW DONE.

Call your loved ones on Medicare and check on them. You can confirm what your / their plan is for 2025 by calling Medicare (open 24/7) at 800-633-4227.

A Trick To Being Happy(ier)

This is a straightforward and therapeutic process I have been doing for about 2 years now…

Make A List

Every quarter I make a complete list of the people that have been in my life in some way, shape or form. The list is long and it normally begins with those that I see/hear from daily if not weekly. You know the people!

Then you start back at the top of the list to note the following:

Pointing UP for the feeling that person gives you in life: positivity, good vibes, encouragement, love, attention.

Pointing DOWN are the people who take and do not give, or criticize to make you (or someone else) feel bad, or belittle you or others.

Some people have more arrows than others.

How Often?

I do this quarterly myself. It started off once a year (normally when I was sitting and reflecting on life from one year to the next around New Year’s Day).

It is fascinating to see who is in your life as you grow and become a better person. As you accomplish your goals…who was there lifting you up?

Those down arrows people can be spotted quickly as well. And that helps you organize your life without them in it. After all, they are not helping you they are taking away from you (and others most likely). Don’t forget: sometimes people are in a slump and it is temporary!

Make this you SCREEN SAVER for your phone for a few days!

Checking myself: if I feel like I’m dealing with a lot of negative energy I check my behavior. I examine what I am experiencing and consider that there are lessons in there for me somehow. I could be in a puddle so upset and struggling to see anything positive but when I fill my head with the things that ARE positive I really do begin to FEEL THAT WAY. I learned to do this here.

I’ll end this with an even better thought: ALL OF THOSE UP ARROWS ARE THE BEST PEOPLE TO GIVE YOUR POSITIVE ENERGY TO WHENEVER YOU HAVE THE OPPORTUNITY.

I firmly believe, after all of these years roaming the planet, that you truly get back the energy you give.

PS: This works for all categories of our life!