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Own your data and ensure you are not locked into closed systems that cannot easily share data.

What’s more, Bloomberg notes, higher interest rates have made buying a house somewhere else more expensive — especially when it also requires people to sell an existing home that’s financed with a mortgage locked in at low costs.

You need a smart, proactive game plan backed by data and buy-in across the board.

AI is being explored as a tool to personalize total rewards, including through: “Smart search” options that combine benefit offerings with related information, chatbots or virtual assistants that help employees navigate personalized benefit details.

Automation through smart contracts helps increase operational efficiency.

Plan Types There are two types of 529 plans, each with unique features: Prepaid tuition plans offer a way to lock in current tuition rates for future in-state costs at eligible schools.

“Private investments, including private equity, rely on long-term capital, and as a result, usually stipulate lengthy lock-up periods for investors.

Distractions allow my mind to wander and go to places I’d never dream of going if I were more on task and locked in.