Here’s what’s happening in tech..

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New AI models keep dropping, but they don't all perform the same. Eight of them were tested using identical prompts across coding, reasoning, math, speed, cost, context handling, web search, and ecosystem features. The result is that price rarely matches performance, and some models crush it in specific areas while completely stumbling in others. Most importantly, picking one tool and actually using it beats paying for five and using none.

Here's how they stacked up:

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Ownership in financial markets usually lives inside systems most people never see. One of the most important is the Depository Trust and Clearing Corporation, often called DTCC. It clears, settles, and keeps records for most stock and bond trades in the United States. Recent regulatory approval allows DTCC to begin recording certain securities such as stocks, bonds, and US Treasurys using blockchain based systems.

What this means for you - As records move on chain, ownership becomes easier to check. Custody feels closer when it can be seen without layers of paperwork, long before most people realize the system itself has evolved.

Insurance companies are collecting data you don't know about. Your car has cameras watching if you're looking at your phone.

What they're tracking:

Insurance used to penalize what you already did, but now companies are predicting what you might do and charging you accordingly. Meanwhile, Texas just sued General Motors for selling driving data without permission for ten years, and we still lack federal privacy laws to protect consumers.

What you can do: Read the fine print before agreeing to anything. Share this with others. The more people aware of this, the more pressure for actual change.

Your data is worth a lot. Every piece of information about you, your location, what you buy, who you talk to, is being collected, repackaged, and sold. Companies profit billions, while you get nothing.

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The candidates who perform best in interviews, practice before the pressure starts. Final Round AI's Interview Copilot lets you practice real interview questions on your own time and get AI feedback on your answers.

You can:

Holiday break is the perfect moment to do this. You have quiet time, less stress, and January interviews feel less overwhelming when you've already practiced. Even a few focused sessions now improve how you show up in the actual interview.

Right now they're offering 40% off. Worth exploring if interviews are in your future.

Explore free courses in AI, blockchain, privacy, & emerging technology - no matter where you’re starting from. This guide rounds up courses from Harvard, Princeton, & a few other top places worth your time.

All 100% free. Learn whenever you want.

I've been paying very close attention to what's now known as the Fourth Industrial Revolution, and here are my five predictions for what actually changes in the upcoming year.

The changes feed into each other and are happening all at once. Companies preparing now will move faster than those waiting.