Category: Brandpoint Business & Finance

2025-09-30T02:01:00

(BPT) – By Paul Miller, CTO, Wind River

Artificial intelligence dominates headlines, with much of the attention focused on the rise of generative models. But while those advances capture imaginations, some of the most profound changes are happening in a different arena — at the edge, where the physical and digital worlds converge. This is edge AI: the use of artificial intelligence models that run directly on devices, machines and networks where data is created, rather than relying solely on distant cloud resources. It is not science fiction but a set of technologies already transforming industries and everyday experiences with tangible, operational impact.

At the edge, milliseconds matter. Systems must be safe, deterministic and resilient, because downtime is not an option. This is where AI is already driving transformation today — not in proof-of-concept labs but in mission-critical environments that touch millions of lives.

Real-World Impact

Consider the automotive sector. Advanced driver-assist systems such as adaptive cruise control, lane-keeping and automated braking all depend on edge AI. By processing radar and camera data locally, these systems can recognize hazards and execute maneuvers in real time. Edge intelligence has become the unseen copilot making vehicles safer and laying the groundwork for fully software-defined cars.

Manufacturing provides another clear example. On the factory floor, cameras and sensors equipped with AI can flag defects invisible to the human eye, monitor workers for safety compliance, or detect smoke before it becomes a fire. These are not theoretical improvements — they reduce downtime, prevent injuries, improve yield and strengthen margins.

Telecommunications networks are also being reshaped by AI at the edge. Operators are beginning to rely on AI to dynamically allocate spectrum, optimize radio access networks, and predict when equipment will fail. In a market defined by relentless pressure on cost and performance, edge AI is already proving to be a decisive competitive advantage.

The same story plays out in aerospace and defense, where mission-critical systems require uncompromising reliability. From autonomous drones navigating contested airspace to defense systems analyzing multiple sensor streams in milliseconds, the ability to process and act instantly is essential. In these contexts, edge AI is not just useful — it is existential.

Even in the consumer world, smartphones now use edge AI for voice recognition, image classification and search — everyday proof that intelligence at the edge is already part of our lives.

Why Edge AI Matters

What makes edge AI different is not simply that it brings intelligence closer to where data is generated but that it creates a distinct kind of value that cloud-based AI alone cannot deliver. The gains are immediate, measurable and tied directly to outcomes that matter for both operations and customers.

Edge AI enables decisions in milliseconds, a critical advantage when real-time responsiveness determines safety or performance. By analyzing high-fidelity data at the source, it improves accuracy and reduces the risk of errors or latency-related failures. It also ensures resilience: Systems continue operating safely even when connectivity is intermittent. Processing data locally reduces bandwidth costs and energy use, which has clear economic and sustainability benefits. And beyond optimization, edge AI unlocks entirely new possibilities, from software-defined vehicles and AI-driven networks to autonomous industrial systems that create revenue streams unimaginable a decade ago.

This is why organizations are embracing edge AI, not just as a technology upgrade but as a strategic enabler. It turns data into action where it matters most, reshaping both how companies operate and what they can offer their customers. Achieving this, however, requires platforms built with the kind of mission-critical reliability Wind River has delivered for decades.

Overcoming Barriers to Edge AI Adoption

Of course, not every organization moves at the same pace. Legacy systems can be hard to replace, and even incremental changes to entrenched processes may feel disruptive. Employees will only embrace new tools when they see how those tools help them work smarter and safer. And culture plays a decisive role: Organizations that reward experimentation and continuous improvement tend to adopt edge AI readily, while those that cling to the status quo risk being left behind.

The lesson is that adoption is not just about technology readiness; it is about organizational readiness. Companies that align culture, process and technology will be best positioned to capture the edge advantage.

The Next Frontier

The next phase of edge AI will move beyond incremental optimization. Telecom operators will scale AI-driven RAN automation that transforms the economics of 5G and beyond. Automotive companies will shift from assistance features to fully software-defined platforms where intelligence updates over time. Robotics and industrial automation will extend into “physical AI” — machines that not only perceive but act autonomously and safely in human environments.

At the same time, governments and enterprises will insist on sovereignty, compliance and security in AI deployments. That will put a premium on edge platforms that are safe, certifiable and transparent. In other words, the future of edge AI will be defined not just by innovation but by responsibility.

This is precisely where Wind River has a unique role to play. For more than four decades, our software has powered the world’s most trusted mission-critical systems, from Mars rovers to next-generation 5G vRAN deployments. Our DNA — safe, secure, reliable and performant at scale — is exactly what edge AI requires.

We are helping customers design, deploy and operate AI-driven applications at the edge with the confidence that comes from proven expertise. Whether in aerospace, defense, automotive, industrial or telecommunications, Wind River provides the foundation that allows companies to innovate boldly while operating responsibly.

For companies exploring edge AI, the path forward begins with clarity of purpose. Anchor every initiative to a business objective, whether that’s reducing downtime, enhancing safety or creating a new customer experience. Start with targeted pilots that address relevant use cases, then expand as your teams build expertise.

Equally important is infrastructure. Edge platforms must be scalable, secure and maintainable over time. Organizations that invest in the right foundation will find it easier to grow, adapt and integrate AI into mission-critical operations.

The opportunity is clear: Edge AI is already changing industries, and the pace of transformation will only accelerate. Companies that begin today — experimenting, investing and building the right partnerships — will be best positioned to thrive in a software-defined, AI-powered future.

Wind River is proud to be a trusted partner in that journey, helping organizations harness the intelligent edge safely, securely and at scale. The next wave of transformation is here, and it begins at the edge. Those who act now will shape not just their industries but the future of how we all live and work.

2025-09-23T20:11:00

(BPT) – By Eun Seok-hyun, president of the LG Vehicle Solution (VS) Company

As president of the LG Vehicle Solution (VS) Company, IAA Mobility 2025 gave me the opportunity to present our vision to a global audience. I had the privilege of sharing the stage with Chris Jo, senior vice president and head of LG’s webOS Platform Business Center, along with our partners from Xbox and Zoom. Together, we are defining what it takes to transform the car into a true living space on wheels.

LG Automotive Content Platform: Driving the Future of In-Cabin Connectivity

As Chris Jo highlighted, we have extended webOS — trusted across 240 million devices worldwide — into vehicles with our webOS-based Automotive Content Platform (ACP). This enables automakers to deliver rich multimedia experiences such as OTT streaming, cloud gaming and video conferencing on a global scale. With full UI/UX customization and new revenue opportunities, the webOS platform is moving beyond the living room and shaping the future of the mobility ecosystem.

Xbox: Cloud Gaming Hits the Road

For Xbox, this partnership is an exciting moment, finding a new way to bring the joy of gaming to more people. Chris Lee, Vice President of Marketing at Xbox, noted the challenge of bringing the Xbox experience from TVs into cars, particularly around performance and seamless integration.

By leveraging our ACP, Xbox delivers a quality in-car gaming experience via its popular cloud gaming service, while LG manages the essential integration and certification work. This means passengers can access the same trusted Xbox Cloud Gaming service wherever they travel — during a charging stop or long road trip. Chris described it as making the journey “not only more entertaining but supporting the flexibility players expect from Xbox,” and I believe this underscores the true value of collaboration.

Zoom: Meetings on Wheels

Brendan Ittelson, Chief Ecosystem Officer at Zoom, spoke about creating a consistent collaboration experience across different vehicles — a vision that naturally aligns with ours. By integrating directly with our webOS-based ACP, Zoom can deliver updates and improvements as soon as they’re ready without waiting on OEM software cycles.

Drivers can join meetings safely in voice-only mode, and passengers can attend camera-enabled video calls, while Zoom AI Companion automatically captures summaries and action items in the background. As Brendan explained, “The in-cabin experience is quickly shifting from passive to purposeful,” becoming a place where people can stay connected and productive without sacrificing safety.

Affectionate Intelligence for the Road Ahead

Looking at the bigger picture, the future of in-vehicle innovation will be shaped by AI — what we call “Affectionate Intelligence” — that not only understands users but also seamlessly integrates functions for safety, entertainment, communication and comfort. To transform vehicles into true extensions of living spaces, LG must take on the role of orchestrator, working closely with our content partners and automakers to create a genuinely human-centered mobility ecosystem.

My key takeaway from the panel was that each of us — LG, Xbox and Zoom — brings distinct strengths to the table. Xbox is taking a bold step into automotive gaming, Zoom is working to redefine productivity on the move and LG is driving toward an AI-powered mobility ecosystem. Guided by these shared goals, the path forward is clear.

With webOS at the core and trusted partners by our side, we are accelerating platform-driven growth in mobility. The future of the car won’t just be about transportation — it will be about creating experiences that connect, entertain and empower us wherever the road leads.

2025-09-23T15:03:00

(BPT) – According to the Bank of America 2025 Workplace Benefits Report, today’s workforce is looking for benefits that address immediate financial challenges, like emergency savings and debt support, while helping them save for the future, too.

Employees say the financial resources they value most offer real-time learning and navigation tools. At the top of the list: retirement education, guidance on creating income in retirement, and tools to build healthy financial habits.

“Employees may have more resources available than they realize and too often they leave valuable tools on the table,” said Lorna Sabbia, Head of Workplace Benefits at Bank of America. “Taking advantage of benefits can make a big difference in building both short-term stability and long-term financial confidence.”

A Shifting Benefits Landscape

Though employees say retirement education and planning remain a top priority, they’re growing more interested in other resources.

This includes tools to build healthy financial habits, online trackers to measure progress and support with other big goals like emergency savings, budgeting and debt, mortgages or college costs — resources that go beyond day-to-day money management. Since 2023, the percentage of workers asking for help with near-term financial needs like emergency savings or college costs has doubled, rising from 13% to 26%.

Employers are responding by offering more services like debt counseling, emergency savings programs and tools to help workers manage competing priorities. However, only 46% of all employers provide comprehensive financial wellness programs, leaving many employees without the guidance they seek.

3 Ways for Employees to Maximize Workplace Benefits

Employees should take a closer look at their workplace resources and consider how they might support their broader financial goals. Here are three key tips:

1. Do your homework on available resources

Many employees do not realize the range of resources their workplace already provides. Beyond retirement accounts, employers may offer investing education, professional financial advice, debt counseling or even peer mentoring programs. These tools can help employees build lasting financial skills and make better-informed decisions. Workers who take time to explore what’s available are more likely to feel confident about their financial direction.

2. Take full advantage of retirement benefits

Retirement remains a top priority, with seven in 10 employees calling it a top financial goal. Yet nearly half wish they had started saving earlier. By investing in a company-sponsored 401(k) early, employees can begin setting aside money in every paycheck from the start of their career. Many employers also offer matching contributions, often described as “free money” toward retirement. More than 35% of employees say they regret not taking advantage of this match program earlier in their careers.

3. Plan for hidden costs down the road

However, retirement planning is about more than contributing to a 401(k). Health care expenses, in particular, are a looming cost that many employees underestimate. Almost 40% of employees aren’t actively saving for future health care costs at all. Health savings accounts (HSAs) can play an important role, offering potential tax advantages¹ that help employees save more efficiently over time. College savings for children or grandchildren is another area often overlooked. Building these expenses into long-term planning helps reduce surprise costs later in life.

3 Ways for Employers to Support Employees’ Financial Wellness

Employers can play a role in helping workers secure their financial futures. Financial wellness programs are linked to higher job satisfaction, stronger retention and better productivity.² More than eight in 10 employers now say these resources are a key factor in staying competitive in the job market. Here are three suggestions:

1. Adopt technology to simplify saving

Automation helps employees get started. Auto-enrollment in retirement plans ensures workers begin saving earlier, while auto-escalation increases contributions over time. Online calculators and budgeting tools give employees a clearer picture of their financial progress and make planning less intimidating.

2. Make retirement planning and saving a priority

Encouraging employees to save early for retirement can help them pursue their goals — even if retirement is far away. Company-sponsored 401(k) plans allow workers to contribute automatically through payroll deductions. It’s also important to communicate any retirement benefits clearly and frequently, so employees know what is available to them.

3. Improve education on health care costs

Health care is one of the biggest gaps in retirement planning. Only 21% of employees are currently using their health savings account to save for future health care. Employers can close this gap by improving communication about health savings accounts and how Medicare fits into retirement planning. Clear guidance helps employees prepare for expenses they may otherwise overlook.

Taking the Next Step

For employees, the most important step is starting the conversation. Human resources departments and benefits managers can clarify what programs are available and how to use them. In many cases, workers may find that their employer already offers the very tools they want but might not be aware of.

For employers, the next step is to communicate offerings clearly, make benefits easy to access and be responsive to what workers actually need. That can mean automatically enrolling employees in 401(k) plans, analyzing which benefits are being used most and regularly surveying employees to identify priorities for future offerings. These actions help make sure resources are not just available but are actively supporting broader financial wellness.

In addition to workplace programs, free online resources like Better Money Habits can provide practical financial planning guidance. From budgeting tips to retirement calculators, these tools can help employees set priorities and track progress. The key is not waiting until financial stress becomes overwhelming.

“Whether it is saving for retirement, paying off debt or planning for health care, the decisions employees make today can shape their financial future for decades,” said Sabbia. “By taking full advantage of workplace benefits, employees can create a more secure path forward and reduce the stress of navigating savings and spending on their own.”

¹You can receive federal income tax-free distributions from your HSA to pay or be reimbursed for qualified medical expenses you incur after you establish the HSA. If you receive distributions for other reasons, the amount you withdraw will be subject to income tax and may be subject to an additional 20% tax, unless an exception applies. Any interest or earnings on the assets in the account are federal income tax-free. You may be able to claim a tax deduction for contributions you, or someone other than your employer, make to your HSA directly (not through payroll deductions). In addition, HSA contributions may reduce your state income taxes in certain states.

Certain limits may apply to employees who are considered highly compensated key employees. Bank of America recommends you contact qualified tax or legal counsel before establishing an HSA.

² McKinsey Health Institute Report, “Thriving workplaces: How employers can improve productivity and change lives,” January 16, 2025.

All data included is from the Bank of America 2025 Workplace Benefits Report, unless otherwise noted.

Workplace Benefits Report Methodology

Escalent surveyed a national sample of 962 employees who are working full-time and participate in 401(k) plans, and 800 employers who offer both a 401(k) plan and have sole or shared responsibility for decisions made in the plan. The survey was conducted between December 2, 2024, and January 13, 2025. After the original research was complete, we complemented our annual study with an employee-focused supplemental survey conducted between April 10 and May 1, 2025. This survey consisted of 508 employees working full-time and participating in 401(k) plans. The mid-year touchpoint allowed us to better measure the direct impact of current market conditions on employee feelings of financial wellness. To qualify for the survey, employees had to be current participants of a 401(k) plan and employers had to offer a 401(k) plan option. Neither was required to work with Bank of America. Bank of America was not identified as the sponsor of the study.

Bank of America, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Investing involves risk, including the possible loss of principal.

Workplace Benefits is the institutional retirement and benefits business of Bank of America Corporation (“BofA Corp.”) operating under the name “Bank of America.” Investment advisory and brokerage services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and investment adviser and Member SIPC. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

© 2025 Bank of America Corporation. All rights reserved. MAP #8385440

2025-09-18T17:19:00

(BPT) – No matter which vehicle segment you’re shopping in, not all vehicles are created equal in the eyes of insurance carriers. Some cost more to insure, while others cost less. Due to a variety of economic factors, namely inflation, the cost of car insurance has risen significantly over the last five years, putting record numbers of U.S. consumers into the market shopping for more affordable policies, according to J.D. Power.

Enter Mercury Insurance’s series of most affordable vehicles to insure, which includes the top 10 most affordable vehicles to insure across popular vehicle segments including sedans, trucks and SUVs, and electric vehicles (EVs). Mercury’s research and development team has compiled the lists by examining vehicles currently available at car dealerships.

“It’s imperative that consumers research average car insurance costs for the vehicles they are considering, as this may help narrow the list. Mercury’s most-affordable-vehicles-to-insure lists are a great place to start,” said Chong Gao, Director of Product Management R&D for Mercury Insurance. “Luxury vehicles and EVs, for example, are generally not ideal choices for those looking to maximize insurance savings. However, there are some deals to be had, as our lists do include a few upscale vehicles.”

Here are the top 10 most affordable vehicles to insure from popular vehicle segments, beginning with the most affordable make and model:

Sedans

• Volkswagen Golf R
• Acura Integra
• Mazda 3
• Kia K4
• Nissan Versa
• Volvo S90
• Hyundai Venue*
• MINI Cooper
• Kia K5
• Nissan Kicks*

*While these vehicles are considered small crossovers, they are included in the sedan category for this list.

Trucks

• Chevrolet Colorado LT
• Chevrolet Silverado C3500
• Ford Maverick/Ford Ranger
• Hyundai Santa Cruz SE
• Toyota Tundra CrewMax
• Ford F150
• Toyota Tacoma
• Ford F350 Super Duty
• Dodge 1500/RAM Truck 1500
• GMC Canyon

SUVs

• Hyundai Sante Fe
• Honda Pilot
• Chevrolet Blazer
• Kia Sportage
• Honda Passport
• Ford Escape
• Kia Soul
• Honda HR-V
• Honda CR-V
• Kia Sorento

EVs

• Chevrolet Blazer EV
• Chevrolet Equinox EV
• Nissan Leaf
• Kia Niro EV
• Ford F-150 Lightning
• Hyundai Kona EV
• MINI Cooper SE
• Hyundai IONIQ EV (all models)
• Fiat 500e
• Subaru Solterra/Toyota BZ4X

“In today’s high-cost environment, being a savvy shopper means looking at the total cost of ownership,” said Gao. “Choosing a vehicle that’s more affordable to insure could save you hundreds of dollars annually, and that’s exactly what our most-affordable-to-insure series is designed to help consumers do.”

To learn more about saving on car insurance costs, visit Mercury’s blog.

2025-09-15T06:01:00

(BPT) – For decades, the well-worn path after high school led straight to a four-year college. But as tuition soars and student debt burdens climb, many young adults are rethinking their options. Increasingly, they’re choosing skilled trade programs that can lead to lucrative, technology-driven careers — without the financial strain.

One of the lesser-known, yet fastest-growing, opportunities? Collision repair. Far removed from the dusty, grease-stained garages many imagine, today’s collision repair shops are more like laboratories — where advanced materials, technical problem solving and digital technology converge to return vehicles to like-new conditions.

How long does it take to become a certified collision repair technician?

Training programs are designed to move students quickly from the classroom to the shop floor. You can enter the industry by learning through a Career and Technician Education (CTE) school or by working directly on the job by completing an apprenticeship program at a local collision repair shop. Most certification programs take 18 to 36 months to complete — far shorter than the typical four-year college degree. Students spend less time sitting in a lecture hall and more time learning hands-on skills that translate directly into paid work.

How much does certification cost?

Don’t worry about breaking the bank to get certified. Most school programs for collision repair are a fraction of the time and cost of a two- or four-year degree. That means students can graduate with little to no debt. Scholarships — even those designed to help students purchase their first set of professional tools — are common, lowering the financial barrier to entry. Many shops will even cover the costs of training and education as they see the value in investing in rising talent, and future technicians can earn while they learn.

How much can a collision repair technician expect to earn?

For many, the earning potential is a surprise. Starting salaries for this career are higher than most entry-level positions in other industries and with some experience, six-figure salaries are achievable in a few short years. The work rewards skill and dedication, with clear pathways for advancement into specialized or management roles.

What kinds of jobs are available?

Collision repair is one of the few trades that combines science, technology, engineering, art and math. Individuals fascinated by how vehicle technology works, drawn to analyzing data or inclined toward creative pursuits can find a collision repair career track that aligns with their skills and interests.

There are several technical roles within the shop:

• Structural
• Non-Structural
• Refinish
• Electrical Diagnostics
• Mechanical Technicians
• Estimator

With the rise of electric vehicles and advanced driver-assistance systems (ADAS), there are certified technicians who focus on complex electronics and calibration work. The industry values versatility, and the skills learned in one role often transfer easily to another, offering professionals flexibility throughout their careers.

Is there demand for collision repair technicians?

While no one can know the future, the collision repair industry is growing, and so is the demand for technicians. I-CAR — a not-for-profit education, knowledge and solutions organization that provides many of the industry’s training and credentialing programs — estimates that a combination of unfilled roles and expected retirements over the next five years will leave the industry 100,000 skilled technicians short. Shops across the country are actively hiring, offering rapid advancement for skilled candidates and car enthusiasts alike through education and training — all in service of a greater calling: keeping America moving safely on the roads.

How can someone get started?

Resources like CollisionCareers.com, created by I-CAR, connect students and job seekers to Career and Technical Schools, collision repair shops and career information. It’s part of a broader effort to attract more young people to a field that has quietly become one of the most technology-driven trades in the U.S.

With demand for collision repair technicians continuing to grow and more Americans seeing the benefit in trade careers, now is your chance to get involved in this rewarding industry. Whether you’re drawn to job security, growth potential or the hands-on work that will allow you to fine-tune your skills as you advance, this career path is a fulfilling field that offers a bright future for those who are ready to dive in.

2025-09-06T07:01:00

(BPT) – The IRC and Chase Disaster Relief Fund ensures essential resources reach restaurants in hardest-hit communities, giving owners a chance to serve again.

Resilience isn’t just a business strategy; it’s a way of life for independent restaurant and bar owners across the country. The past 12 months have been marred by natural disasters, during which the restaurant industry has opened their doors to first responders, provided food to those in need and supported other businesses in their communities.

But who comes to the rescue when these same businesses are the ones in crisis? Independent restaurants and bars are hugely important to local communities, and they’re significant drivers of the U.S. economy. They account for nearly 70% of the restaurant industry, but these businesses, especially those in disaster-prone regions, need access to solutions that can help them manage costs and stay afloat.

According to a recent study from the Independent Restaurant Coalition (IRC) and Chase, more than three in five (60%) independent restaurants in disaster-prone regions have suffered direct financial loss in the past 12 months. Worse, the recent string of hurricanes, wildfires and floods have left kitchens shuttered and businesses on the brink, as the Federal Emergency Management Agency (FEMA) estimates that 40% of small businesses never reopen after a natural disaster. The National Centers for Environmental Information (NCEI) reports that disaster-related closures caused more than $1 billion in lost revenue in 2024.

Still, hope is not lost for these entrepreneurs: The new IRC and Chase Disaster Relief Fund is accepting applications from Sept. 3-Oct. 3, making it possible for restaurants nationwide to access support as they work to recover.

“Restaurants are often among the first in their communities to lend a hand. Thanks to Chase, we can finally do something to help businesses who have sacrificed so much for their neighbors,” said Bobby Stuckey, partner and master sommelier of Frasca Hospitality Group and IRC co-founder. “Independent restaurants support first responders, feed the hungry and support other businesses in the communities they serve. Chase understands that, which is why we are proud to collaborate with them on programming that advances the work of these vital businesses and helps educate the public on their importance.”

The IRC and Chase Disaster Relief Fund provides independent restaurants and bar owners with essential financial relief so they can address immediate needs to stay in business. Restaurants interested in applying must complete an eligibility screener to confirm they meet basic requirements, including being independently owned, operating fewer than 20 locations nationwide and having sustained direct disaster-related damage within the past 12 months.

The urgent need for relief in hard-hit communities

The stakes for independent restaurants and bars remain higher than ever, especially in disaster-prone regions like Southern California, the Southeast and Midwest. In cities such as Los Angeles, New Orleans, Tampa and Kansas City, the effects of severe weather are felt not just in physical damage, but in the emotional and economic toll on business owners, their teams and the communities that depend on them.

The Southern California wildfires earlier this year destroyed dozens of restaurants. One month after the fires, businesses in Malibu that reopened were losing 50% to 85% of their revenue due to fire damage and road closures. A single tornado earlier this year in Iowa inflicted $12.2 million in damages and decimated 90% of a local business district. North Carolina is still recovering from historic flooding last year, with costs exceeding insurance coverage for many small establishments.

Many of these restaurants operate with slim margins and limited safety nets. They often lack the reserves to withstand even a week’s closure, making every disruption a potential existential threat. Yet, it is precisely because of these challenges that the commitment from the Independent Restaurant Coalition and Chase stands out.

“Independent restaurants anchor neighborhoods, support local famers and employ more people per square foot than any other brick and mortar industry,” said Cheetie Kumar, chef/owner of Ajja, Raleigh, North Carolina, and IRC Board vice president. “When natural disasters devastate a community, government funds are scarce, and standard insurance policies don’t cover floods or loss of business due to citywide utility interruptions. This can be an extinction event for small businesses that operate on razor-thin margins. The $3 million Disaster Relief Fund creates a lifeline that gets money in the hands of restaurants quickly in a time of desperate need.”

Since its founding in March 2020, the IRC has championed the needs of local restaurant owners and workers when they need it most. They have been at the forefront of advocating for independent restaurants and bars in moments of crisis, whether navigating the challenges of the pandemic, mobilizing after regional disasters or providing resources and a unified voice for operators nationwide.

“Independent restaurants are the heart and soul of our communities and their teams are on the front lines when disaster strikes,” said Erika Polmar, executive director of the IRC. “The IRC and Chase Disaster Relief Fund is about equipping these businesses with the tools and support they need to persevere, rebuild and continue serving their neighborhoods.”

Standing together to keep restaurants and communities thriving

The launch of the fund is timely because, as natural disasters continue to grow in frequency and severity, so too does the need for targeted relief. Losses from disaster-related closures impact not only owners and employees, but also the supply chains, farmers and local businesses that rely on a thriving restaurant industry.

Applications for the IRC and Chase Disaster Relief Fund are open now and close Oct. 3. Restaurant owners are encouraged to apply if they have experienced disaster-related damage in the past year. The hope is that by providing timely, targeted support, more independent restaurants will be able to continue their traditions of service, creativity and community connection — even in the face of adversity.

“Independent restaurants bring people together, drive local economies and give neighborhoods their unique character,” said Chris Stang, head of Lifestyle and Dining at Chase. “We’re proud to work with the IRC to make an investment in the future of this industry and help ensure small businesses have the resources they need to grow while continuing to serve their communities.”

For more information about eligibility and how to apply, visit www.independentrestaurantcoalition.com/DRF.

2025-08-26T08:01:00

(BPT) – Gap years are historically associated with recent high school or college graduates who seek to explore and recharge before life’s demands take over. But, who says there is a set age for this experience? If you’re craving adventure, purpose and a pause from the nine-to-five hustle, it might be time to consider taking an adult gap year — or just a month or two — to discover the benefits of tapping out. More than 80% of U.S. workers experience workplace stress and over half say it impacts their home life. With burnout on the rise, an adult time-out could make a world of difference emotionally, physically and spiritually.

“We’re seeing more people prioritize their work-life balance and nowadays, the standard week or two of vacation is no longer cutting it to return to the office truly restored,” said AARP Services Director of Travel Steve Guilday.

Whether it’s planned way in advance or a spur of the moment decision, an AARP membership can help you save throughout your open-ended journey. “No matter how long your extended leave lasts, an AARP membership offers a way to help you plan smarter and save more when taking a break from the daily grind,” said Guilday.

Max out the experience, not your credit card

Taking extended time off to combat burnout, pursue a passion, travel or all of the above, requires careful consideration of finances and your career, plus a plan on how to make the most of your time off. AARP members get exclusive deals, seasonal offers and special savings by booking through the AARP Travel Center Powered by Expedia, including a $50 gift card of your choice when you book any flight package. For a limited time, members can take advantage of 9 curated trips created specially for AARP members to experience the joy of travel with the perfect mix of city life and coastal tranquility. For those bringing a furry friend along for the ride, make it easy when you stay at thousands of pet-friendly hotels, such as La Quinta^® by Wyndham and Baymont^® by Wyndham. AARP members save 20% off the standard rate when booking at least seven days in advance and selecting the “Pay Now & Save, Non-Refundable” option. Or, you can save 10% off the standard rate and get flexible booking when you select the “AARP Members: Save 10%” rate.

If your plans are taking you abroad, make sure to double-check that all your travel documents are up-to-date. While you can travel up to six months before its expiration date, many countries require your passport to be valid for at least six months beyond your intended stay. If your passport needs to be renewed, even expediting it can take two to three weeks, so begin the process with enough time in advance. AARP members and their families can save 15% on expedited U.S. passport and travel visa services through RushMyPassport. This perk offers expedited options for all passport types and customer support to simplify the process of obtaining travel documents.

Plan your adventure, choose your route

A grown-up gap year not only affords the opportunity to see new places and meet new faces, but it gives you the time to do so at your own leisure and pace. Explore the scenic routes and add in a spontaneous stop or two by choosing to explore destinations through a road trip adventure. In fact, if you’re a road warrior then consider the centennial anniversary of U.S. Route 66, the Mother Road of the United States, next year and travel across eight states. With an AARP membership, save up to 35% off base rates with Avis and Budget when choosing the Pay Now option at reservation or up to 30% off when you choose to Pay Later at the pickup counter. Plus, members receive a 3% credit to apply to future rentals, a free upgrade on compact through full-size car class bookings (subject to availability) and an additional driver at no extra cost.

For additional savings while on the road, link your AARP membership with your Exxon Mobil Rewards+™ account to earn extra points on everyday purchases like fuel, car washes and convenience store items, plus 2x the points on fuel on member days. AARP members who are new to the Exxon Mobil Rewards+ program also get a 500-point welcome bonus after their first fill-up. Every 100 points equals $1 in savings redeemable on fuel, car washes or store items. Use the Exxon Mobil Rewards+™ app or your phone number and PIN at the pump once linked.

Secure yourself and your home while you explore

Even with everything planned and seemingly perfectly prepped, unexpected issues can come up back at home while you’re miles away. Don’t leave the protection of your home up to chance: AARP members can save 5% on monthly 24/7 ADT Professional Monitoring. ADT offers customizable security to fit your unique needs, and this special member offer is combinable with their other smart home security promotions. Some restrictions apply.

Accidents and injuries can happen. Most travel medical coverage will only get you to the “nearest adequate” facility. If you prefer to be treated at a hospital at home, to get you back on your feet, look into an air medical transport membership like Medjet. As an AARP member, you can save up to 20% on MedjetAssist memberships which cover medical transfers, including all transport costs, when you’re more than 150 miles from your home. Their MedjetHorizon adds worldwide crisis response benefits, including security evacuation if necessary.

Taking extended time off doesn’t mean you have to feel the pinch once you’re back home thanks to an AARP membership. To learn more about additional discounts for AARP members, visit AARP.ORG/SAVE.

2025-08-12T08:01:00

(BPT) – What are you sipping these days? Americans today have endless options when it comes to beverages. Whether you prefer caffeinated or decaf, sugar or no sugar, bubbly or still, what’s in your cup says more about you than you might think.

To better understand the latest trends and generational dynamics driving America’s beverage choices, Keurig Dr Pepper released its first ever State of Beverages 2025 Trend Report, which dives into why people drink what they do, drawing primarily from national surveys and KDP’s proprietary data. The results reveal that what people drink says a lot about what’s important to them.

“Today’s consumers don’t drink just to hydrate — they drink to energize, indulge, connect, feel comforted, express themselves and more,” said Tim Cofer, CEO of Keurig Dr Pepper. “Whether they’re seeking well-being or a nostalgic favorite, we found that people’s beverage preferences are deeply personal.”

Here are some highlights showing what beverage preferences reveal about American life in 2025.

Give up coffee? Never. More than half of Americans (62%) say, “My day doesn’t start until I’ve had a cup of coffee,” making it a non-negotiable ritual. In fact, 59% say they’d rather skip breakfast than miss their caffeine fix — and nearly 3 in 4 adults 21 and up (73%) confirm they’d rather give up all alcohol at night than skip their morning coffee or caffeine.

Ahhh. Carbonated soft drinks hit the spot. Are carbonated soft drinks really more refreshing than other beverages? Almost 6 in 10 (58%) say yes, with 53% enjoying their taste more than any other drink — which may be why they’re the top beverage people choose as a treat.

Gen Z is adventurous. The survey found 72% of Gen Z (compared to only 16% of Boomers) try new beverages monthly, with 75% of them customizing their beverages, and more than half choosing beverages to “stand out.”

Why try something new? To entice Americans to sample an unfamiliar beverage, offer them novelty. Nearly 6 in 10 Americans (59%) rate “new flavors” as the overwhelming winning attribute that motivates them to try a new beverage, versus 29% going for low- or zero-sugar options and 28% being attracted by physical health benefits.

Elevate your sips. Almost half of consumers (46%) are drawn to premiumization, and they’re willing to pay more for beverages they consider premium — which they associate with better quality, better ingredients and attractive packaging.

Wellness wins. An overwhelming majority of Americans (82%) say drinking their favorite beverages helps restore their mental health, and 66% seek beverages that improve their physical health. Choosing healthier options also means less alcohol, with 58% of consumers (especially Gen Z) now preferring non-alcoholic beverages when hanging out with friends.

“Americans, led by younger consumers, are seeking more personalization, greater variety and better-for-you options to quench their thirst,” added Cofer. “Today’s consumers seek more intentional, flavor-rich beverage experiences — acknowledging they look for beverages to meet physical and mental well-being while also not wanting to sacrifice taste for function.”

Want to discover more about today’s beverage trends? You can read the full report here.

Methodology: The State of Beverages 2025 Trend report was derived from a variety of quantitative and qualitative data sources, including national surveys from Harris Poll, Ipsos and Morning Consult, and KDP’s own proprietary data. The Harris Poll, on behalf of KDP, conducted an online survey among 4,031 U.S. adults 18 and up who consume beverages. The survey was conducted from March 11 to March 19, 2025. For a more detailed methodology, please see the full report.

2025-08-12T07:01:01

(BPT) – In today’s digital-first world, where artificial intelligence (AI) is reshaping every industry, companies face a new imperative: keep learning or risk falling behind. At Cognizant, a global technology leader with more than 335,000 employees, that challenge is being met with an innovative, future-forward response.

Advancing AI innovation crucially depends on building a talent pool with the right skills to harness its full potential. Cognizant has invested heavily in a transformative internal learning and development ecosystem, headlined by Synapse, a next-generation program designed to help workers gain the skills they need by 2026 to thrive in an AI-driven economy. Synapse isn’t just another learning program — it’s an experience aimed at giving more than one million workers an edge on tomorrow.

“Learning isn’t one-size-fits-all,” said Ravi Kumar S, CEO. “Synapse allows us to meet workers where they are, with curated content, real-time assessments, and AI-guided recommendations tailored to individual growth paths.”

Learning at the speed of AI

AI is not just the subject of Cognizant’s learning strategy, it powers it. Using generative AI and machine learning, Synapse is training its own associates as well as jobseekers to perform high-demand tech skills. Candidates can complete skills accelerator courses, helping build a pipeline of experienced and emerging talent that meets today’s hiring demands. Jobseekers can also apply for “earn while you learn” apprenticeships that provide structured learning and on-the-job training to build skills and advance careers at Cognizant. Additionally, through collaborations with technology partners, Cognizant is expanding the reach of its training so associates can learn to leverage the latest, cutting-edge technologies. Through philanthropic grants, volunteerism, mentoring and education partnerships, Synapse’s community education programs also reach thousands of individuals worldwide.

By partnering with organizations like universities, community colleges and workforce development groups, as well as investing in its own associates’ learning, Cognizant is building a talent pipeline that enhances workers’ skills and drives community impact.

Since its debut, more than 439,000 individuals have engaged with Synapse, with overwhelmingly positive feedback on its applicability across roles.

Recognition for excellence

Cognizant’s commitment to continuous learning hasn’t gone unnoticed. The company was recognized as one of Fortune’s Change the World companies for its commitment to learning and development.

In addition, Cognizant was recognized by Brandon Hall Group with multiple awards for excellence in learning and development, including Gold in “Best Unique or Innovative Learning and Development Program” and “Best Competencies and Skill Development.”

“These accolades reaffirm our belief that investing in people is the best way to invest in the future,” said Kathy Diaz, Cognizant’s Chief People Officer. “The pace of technological change means the half-life of skills is shrinking. We’re building a culture where learning never stops.”

Bluebolt: Innovation from the ground up

To put these cutting-edge skills to use, Cognizant continues to invest in Bluebolt, an internal innovation accelerator that empowers every associate to think like an entrepreneur. Through Bluebolt, employees are encouraged to submit bold ideas — no matter how big or small — that leverage AI and advanced technologies to improve business, delight clients and transform how companies work.

To date, Bluebolt has generated more than 427,000 ideas from across the company, with more than 70,000 already implemented with clients. Many of these ideas have evolved into client-facing solutions, employee enablement tools and process improvements — showcasing the power of grassroots innovation.

“Bluebolt isn’t about waiting for permission to innovate — it’s about unleashing the creative potential of our people,” said Alexis Samuel, SVP of Delivery Excellence. “We believe innovation starts with curiosity, and curiosity starts with learning.”

Vibe Coding Week

To increase visibility, showcase the empowering side of AI and further engage associates, Cognizant created the first ever Vibe Coding Week that started July 30, 2025. The goal of this event is to capitalize on an important inflection point: As AI-enabled coding increases, human labor is being reimagined, and every employee can play a role in this transformation.

With more than 250,000 employees — from HR and sales to engineering and marketing — registered, Cognizant is attempting a GUINNESS WORLD RECORDS title for most participants in an online generative AI hackathon, a category that closely mirrors the structure and approach of its vibe coding event. To put this into context, according to a Stanford study, the human body can generate up to 400 watts of energy during active moments, like during vibe coding. Multiply that by 250,000 associates vibe coding at the same time, and you get 100 megawatts which equals the output of a nuclear power plant. Or simply put, with that much energy, you might be able to toast 1.8 million slices of bread or potentially power 80,000 homes in Mountain View, CA.

Cognizant’s Vibe Coding Week aims to engage thousands of employees by featuring hands-on workshops, a prompt engineering toolkit, best-practice sessions, an innovation competition, and recognition for outstanding projects. Following the week’s end, participants can join the Cognizant Global Vibe Coding Community to continue sharing ideas and advancing solutions within the company and for clients.

The road ahead

As the nature of work continues to evolve, Cognizant is leaning into change. From cutting-edge AI learning platforms to a global culture of innovation and upskilling, the company is charting a course for what the future of work can look like when people are empowered to grow, adapt and lead.

For employees, the message is clear: You are not just part of a company. You are part of a learning movement — one designed to build a base of tech talent who have the skills and ideas that will shape the potential of our world tomorrow.

2025-08-04T06:01:00

(BPT) – The weather may just be perfect, but before you know it, summer will be over, and you’ll be dropping your student off at their dorm. As your child makes the most of their summer before college, they may forget that enrolling in fall semester classes is just one step in preparing for their educational journey. You can help them stay on track by making sure they check these four important tasks off their list before summer is over.

1. Shop for books, bedding and more

The shopping list for a college freshman can be quite extensive. On top of purchasing books, school supplies, laptops and other electronics, your student will likely need dorm necessities if they plan to live on campus — and this total can add up. According to a recent College Ave survey, parents estimate they spent an average of $3,614 to prepare for freshman year, including new electronics, dorm room essentials and books.

For example, your college-bound kid will likely need new bedding, towels, laundry detergent, a bath caddy and other items that they would normally have lying around your home. If neither of you is sure what items are absolutely necessary for dorm living, check and see if their school offers a handy freshman shopping list or check out this ultimate dorm room checklist from College Ave.

2. Help them set up a budget

Finances can be stressful for anyone at any age, but students who are balancing work and school can have it especially rough. According to a March 2025 College Ave student survey, nearly half of students said they were stressed about their finances. Additionally, only 55% of college students track their spending, an important first step in budgeting.

Help your student maintain a budget and learn to handle their cash flow before they ever set foot on campus. One good place to start is with Student Budget Worksheet from College Ave. Sit them down and help them figure out their expected expenses and income for the fall semester. Whether you’re helping them pay for college or if they have other funding sources like scholarships, financial aid, loans or a paycheck from a part-time job, knowing what the numbers are and how much they can expect to spend and save is an important life lesson that will serve them this semester and beyond.

3. Find and secure important documents

Your child is probably used to you keeping important documents like their health insurance card, Social Security number, transcripts and medical records. Before they head off to campus, make sure to give them these documents and emphasize how important it is to keep them safe and secure. Help them choose a fireproof document bag where they can store sensitive paperwork and identification, but still have it handy when needed.

4. Shop for private student loans

During the summer, you and your student may discover that there’s a financial gap in covering their education costs. Whether a grant fell through or a work-study placement didn’t work out, you’ll need to find a way to cover whatever they may owe for the year. So, while shopping for back-to-school, make sure to also shop around for private student loans.

Not sure where to start? Once you’ve exhausted your other resources — like scholarships, grants, income, savings and federal student loans in the student’s name — check out College Ave. The application process takes less than three minutes, so you can stress less and get back to enjoying summer. If you have any questions during the application process, customer service is ready to help. Plus, their private student loans offer multiple repayment options and competitive interest rates to fit your student’s budget and needs.

While you’re there, make sure to check out the loan calculator. According to the March 2025 survey, 67% of those who expected to have student loan debt post-graduation didn’t know or were unsure of how much their monthly payments would be. Using this handy tool, you can reduce any surprises and help your student pay for their education with confidence.

Don’t let summer slip by! Make sure your child checks off these four key tasks on their checklist before the fall semester begins. To learn more about how to pay for college, visit CollegeAve.com.