Author: TheWireHub.net

Key Takeaways A first mortgage is the primary lien on a property and takes precedence over all other claims.Refinancing can replace the original first mortgage if the home is refinanced.Lenders typically require private mortgage insurance if the loan-to-value ratio exceeds 80%.The interest on a first mortgage can be tax-deductible for itemizing taxpayers.Secondary mortgages, like home equity loans, are subordinate to the first mortgage and often have higher interest rates. What Is a First Mortgage? A first mortgage is the original mortgage on a property, the primary lien, so it gets paid first if there’s a default, even after a refinance…

Bitcoin is also commonly termed “Digital Gold.” This is because of its significance. It was the first cryptocurrency to realize the concept of decentralized money. It was developed in 2009 by a person or group of people, known as “Satoshi Nakamoto.” Bitcoin disrupted the conventional financial system because it eliminated the middleman, or in this case, the banks. It enabled the direct transfer of money between two individuals.In the past few years, Bitcoin has evolved from a small-scale experiment to a full-fledged financial asset. Today, the governments and individuals around the world talk about Bitcoin as a value storage asset,…

SPRASANN LLC has launched Hammock’n, a Japanese-designed, non-adhesive smartphone band that supports the fingers like a soft hammock. The strap aims to reduce hand and little-finger strain during long phone use while helping prevent drops.TOKYO, Japan, Jan. 6, 2026 / PRZen / SPRASANN LLC today announced the international launch of Hammock’n, a patented smartphone band developed in Japan to help reduce hand and finger strain during everyday phone use. The company has opened an English-language global site and online store to serve customers worldwide. In user research conducted in Japan, 89.6% of regular smartphone users reported feeling pain, fatigue, or…

Key Takeaways Capital investment analysis helps assess the profitability of long-term investments like equipment or real estate.It uses models like net present value (NPV) and discounted cash flow (DCF) to evaluate returns.NPV shows if future cash flows can cover initial investment costs.DCF analysis uses a discount rate to evaluate whether an investment’s returns exceed a risk-free benchmark. Capital investment analysis is a budgeting procedure that companies and government agencies use to assess the potential profitability of a long-term investment. Capital investments can include fixed assets such as equipment, machinery, or real estate. The goal of this process is to identify…

Learn more about how Buy Side rates personal loans using data-driven methodologies.How personal loans for boat financing workPersonal loans for boat financing help buyers purchase a boat without paying the full amount upfront. Some boat loans have no down payment, allowing borrowers to pay only fees such as registration and licensing at the time of purchase.Lenders typically set minimum and maximum borrowing amounts for boat loans. For example, a lender might have a minimum loan amount of $5,000 and a maximum of $100,000. Some lenders might offer much higher maximums. You repay the loan in monthly installments over a set…

The forward-deployed engineer is not a feature. It’s a human patch covering for a missing piece of software. Its popularity isn’t a sign of a strong new business model; it’s another sign that AI …

Dimitar Dimitrov is the founder and Managing Partner at Accedia, a leading European AI & Custom Software Development Company.If companies focused on AI experimentation in 2025, in 2026, they’ll seek out real impact. Regulatory pressure, talent shifts and rising expectations for responsible AI demand higher reliability and security. This environment puts CTOs at the center of AI performance.As the founder and managing partner at Accedia, I’ve led countless AI initiatives and software projects. Based on my experience in the industry, I’m sharing eight technology predictions for 2026 and what CTOs should do about them.1. Developer Hiring Cycles Will Slow DramaticallyIn…

CES 2026 has officially opened its doors, welcoming visionaries, industry and government leaders, investors and media to the global gathering place for technology.Spanning more than 2.6 million net square feet, CES 2026 is where breakthrough ideas come to life and where innovators show up to highlight what’s next in tech. As the world’s most powerful tech event, CES this year is the convergence of more than 4,100 exhibitors, showcasing innovation across accessibility, AI, digital health, energy, enterprise solutions, immersive entertainment, mobility, quantum, robotics and more.The show kicked off with two dynamic Media Days, packed with major product and partnership announcements…

What’s at stake: Market share, cross-border competition and credit growth hinge on the IPO’s reception and valuation.Expert quote: Troy Hooper, Mergermarket: PicPay IPO signals U.S. market confidence but faces regulatory, macro risks.Supporting data: PicPay reported $1.37 billion in revenue (first nine months 2025), up 97% year over year.Source: Bullets generated by AI with editorial reviewThe Brazilian digital bank PicPay has, again, filed for a U.S. IPO.Processing ContentPicPay, a São Paulo-based mobile banking and payments fintech that offers digital wallets, merchant acquiring services and loan products, publicized its filing with the SEC on Monday night for Nasdaq’s most restrictive listing tier,…

The prolonged non-fungible token bear market has begun to impact digital asset events and infrastructure. NFT Paris, the organizers of one of the world’s largest annual crypto and non-fungible token conferences, is a perfect example of a crypto project impacted by the ongoing NFT market downturn. NFT Paris has cancelled its highly anticipated annual NFT event, citing harsh market conditions. NFT Paris 2026 Called Off In a January 05 blog post, NFT Paris announced that it has cancelled its highly anticipated NFT event. “After four editions that brought together the global Web3 community in Paris, we must face reality: NFT…

There’s a second acronym constantly looming above the floor of any CES: TBD. That’s the most info we have about a good chunk of products announced at CES 2026 so far. “Coming soon” could mean next month to some brands and next year to others. Sometimes, we don’t even know if these debuted products will ever make it out of the prototype phase. SEE ALSO: CES 2026: This AI bartender called me old, but it makes one hell of a drink While no one is asking for LG’s laundry-folding robot to be sold at Target or anything, a few more…

Stephen Grossman of SB Pensions to Present Advanced Risk Mitigation Strategies for Real Estate Investors at Industry Event LOS ANGELES, CA, UNITED STATES, January 5, 2026 /EINPresswire.com/ — Stephen Grossman of SB Pensions to Present Advanced Risk Mitigation Strategies for Real Estate Investors at Industry Event Stephen Grossman, Life and Disability Analyst (CA License #0H64567) and founder of SB Pensions, will present advanced risk mitigation and liquidity strategies for real estate investors at a private industry event offered by the Los Angeles County Real Estate Investors Association on January 8, 2026. The presentation will focus on how real estate investors…

Jan. 4, 2026, 11:45 p.m. ETAI-powered platforms like ChatGPT and Google Gemini offer new ways to plan your 2026 financial goals. But how can you leverage them without compromising your privacy?With a NerdWallet survey finding that more than 2 in 5 Americans (43%) say they’ve used AI for aspects of their personal financial planning, that’s an increasingly relevant question.Here’s how to get the most out of AI tools.Experiment with promptsHelp the chatbot help you. Give it some background about your current situation so it can offer customized advice, suggests Sierra Adare-Tasiwoopa api, an instructional technologist at Nevada State University.Be specific about what you…

A comprehensive look at local, multi-state and national news events provided by the ABC 6 News Team including updates on sports and weather conditions and traffic.(ABC 6 News) – If you’re anything like most Americans, you admit to being constantly on your phone. If you spend just 3-4 hours a day mindlessly scrolling—and many of us spend more—you’re losing a total of over 50 days each year staring at a screen. While taking a break from smartphone addiction is easier said than done, a unique new application called Touch Grass is here to force a much-needed digital detox.This innovative app,…

Georgia lawmakers are once again taking aim at big tech, with new recommendations emerging from a study committee focused on the impact of social media and other platforms on children. Big tech has reached so far into the lives of children that some Georgia lawmakers want to push back. After legal missteps in an effort to restrain the industry, the state Senate got new recommendations this month from a study committee that heard grim stories about the impact of social media and other platforms. Among those who testified were parents of children who died by suicide after extensive use of…

Public discourse around Artificial General Intelligence continues to emphasise breakthroughs in algorithms, model architectures, and venture financing. While these factors matter, they increasingly obscure a more consequential reality. The trajectory of AGI is now shaped less by software innovation and more by access to energy, critical minerals, precious metals, and physical geography. As AGI systems move from research environments into operational deployment, their scalability is constrained by material inputs rather than intellectual ones. It is in this context that the reported kidnapping of Nicolás Maduro has assumed strategic significance. The episode abruptly repositioned Venezuela within the orbit of United States…