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Marshall is tasked with bringing Sagent's Dara servicing platform implementation up to scale, replacing Geno Paluso, who is vice chairman during the transition. View the full article

When you’re looking to create stunning visual slideshows, choosing the right video creator can make a significant difference. Several options stand out for their unique features and user-friendly interfaces. Animoto offers customizable templates and a vast music library, whereas Movavi simplifies the process with its three-step approach. Adobe Express combines professional design with AI tools, and Icecream App caters well to beginners. Clipchamp, in contrast, provides flexible editing options for various skill levels. What sets these platforms apart? Key Takeaways Animoto offers customizable templates and an extensive music library, enabling users to create professional-quality slideshows effortlessly. Movavi allows for quick slideshow creation in three steps, with support for high-resolution outputs and a rich library of creative effects. Adobe Express provides polished templates and AI assistance, making it easy to design visually appealing photo slideshows on both web and mobile platforms. Icecream App is a lightweight and user-friendly tool, ideal for beginners seeking simple slideshow creation with AI support for various file formats. Clipchamp features flexible timeline editing and a variety of templates, making it suitable for both novices and professionals, although performance may vary on lower-end devices. Animoto Animoto is a strong cloud-based video creation tool designed to help you produce professional-quality slideshows with ease. As an ai slideshow maker, it stands out as one of the best slideshow makers available. You can use this photo slideshow software to learn how to create a slideshow for Instagram or how to make a slideshow with music effortlessly. The user-friendly drag-and-drop interface simplifies the process, allowing you to choose from customizable templates customized for various themes. Plus, Animoto features an extensive library of licensed music, which improves your storytelling. Once you’ve created your slideshow, you can easily publish and share it across multiple social media platforms, making it a versatile slideshow video creator for all your needs. Movavi If you’re looking for another robust option for creating slideshows, Movavi Slideshow Maker is worth considering. This software makes it easy to create a picture slideshow with music in just three simple steps: import your photos, add music and transitions, and export your final product. Movavi supports various media formats and offers high-quality output resolutions up to 4K, making it one of the best slideshow maker software available. You can access a rich library of filters, effects, and templates to improve your creativity. Moreover, the built-in music library provides royalty-free tracks, ensuring your slideshows are engaging. Whether you’re on Windows or Mac, you’ll find this photo slideshow software free download full version meets your needs and simplifies how to make a slideshow with pics and music. Adobe Express Adobe Express serves as a user-friendly web-based design tool that simplifies the process of creating photo slideshows with integrated music and alterations. You can easily make a slideshow with images using AI, ensuring a visually appealing result. To learn how to create a picture slideshow with music, explore the polished templates and design assets offered by Adobe Express. This free slideshow maker is compatible with both web and mobile devices, allowing you to edit on-the-go. You can customize slide timing and transitions, giving you control over your slideshow presentations. With its integration into Adobe Creative Cloud, Adobe Express stands out among the best photo slideshow software and top slideshow programs available today. Icecream App Icecream App is a lightweight desktop application that simplifies the process of creating straightforward slideshows, making it an excellent choice for beginners. This software allows you to make a slideshow with images using AI, which is one of the easiest ways to make a photo slideshow. You can easily learn how to create a video slideshow and how to make a photo slideshow with music. Icecream App supports various file formats and offers quick export options for hassle-free use. Although it may not have advanced editing features, it shines as one of the best photo slideshow maker software available. If you’re wondering how do you create a slideshow with music, this app is among the top slideshow software options for you. Clipchamp Clipchamp stands out as a user-friendly, browser-based video editor that caters to both novices and professionals looking to create impressive slideshows. With its flexible timeline editing, you can easily arrange photos and videos to achieve the perfect visual flow. Whether you want to make a slideshow with images using AI or learn how to make a slideshow video, Clipchamp provides excellent resources. It ranks among the best slideshow software, featuring a variety of templates and stock assets to improve your projects. If you’re wondering how to create a picture slideshow with music for free, this platform has built-in options for that too. Nonetheless, be mindful that performance may lag on lower-end devices, impacting larger projects. Frequently Asked Questions What Is the Best Video Slideshow Maker? When choosing the best video slideshow maker, consider your needs and preferences. Animoto’s user-friendly interface is great for quick projects, whereas PowerDirector offers extensive effects and changes. Movavi Slideshow Maker simplifies the process with its three-step method, and Icecream Slideshow Maker supports high-resolution outputs. For social media content, Adobe Express provides polished templates. Each option has unique features, so evaluate them based on your specific requirements and desired outcomes to find the right fit. How to Make a Stunning Slideshow? To create a stunning slideshow, start by selecting a user-friendly slideshow maker with customizable templates. Import high-quality photos and videos from your device or cloud. Add text captions for context and choose license-free music to set the mood. Experiment with various shifts and animations to keep your audience engaged. Finally, export your slideshow in high resolution, such as 4K, to guarantee clarity across different platforms and devices for the best viewing experience. What’s the Best App to Use for a Slideshow? To find the best app for creating a slideshow, consider your specific needs. Animoto offers a straightforward drag-and-drop interface, whereas Wondershare Filmora provides robust editing tools. If you prefer simplicity, Movavi Slideshow Maker is efficient with its three-step process. Freemake Video Converter allows for easy uploads to YouTube. Evaluate these options based on features, ease of use, and desired output quality to choose the right one for you. What Is the Best Free AI Photo Slideshow Maker? The best free AI photo slideshow maker is InVideo AI. It lets you create slideshows using personal media, stock images, or text prompts. Its user-friendly interface works seamlessly on Chrome and Edge browsers, so you won’t need to download any software. During the free version has limitations like watermarks and restrictions on the number of slideshows, the AI features simplify the process, allowing you to generate visually appealing slideshows quickly and efficiently. Conclusion To conclude, choosing the right slideshow video creator can improve your visual storytelling. Animoto’s templates and music library cater to diverse needs, whereas Movavi’s straightforward process simplifies creation. Adobe Express offers professional-quality design through AI tools, and Icecream App is user-friendly for beginners. Finally, Clipchamp’s flexible editing options accommodate all skill levels. By comprehending the unique strengths of each platform, you can select the one that best fits your project requirements and creative vision. Image via Google Gemini This article, "Top 5 Slideshow Video Creators for Stunning Visuals" was first published on Small Business Trends View the full article

When you’re looking to create stunning visual slideshows, choosing the right video creator can make a significant difference. Several options stand out for their unique features and user-friendly interfaces. Animoto offers customizable templates and a vast music library, whereas Movavi simplifies the process with its three-step approach. Adobe Express combines professional design with AI tools, and Icecream App caters well to beginners. Clipchamp, in contrast, provides flexible editing options for various skill levels. What sets these platforms apart? Key Takeaways Animoto offers customizable templates and an extensive music library, enabling users to create professional-quality slideshows effortlessly. Movavi allows for quick slideshow creation in three steps, with support for high-resolution outputs and a rich library of creative effects. Adobe Express provides polished templates and AI assistance, making it easy to design visually appealing photo slideshows on both web and mobile platforms. Icecream App is a lightweight and user-friendly tool, ideal for beginners seeking simple slideshow creation with AI support for various file formats. Clipchamp features flexible timeline editing and a variety of templates, making it suitable for both novices and professionals, although performance may vary on lower-end devices. Animoto Animoto is a strong cloud-based video creation tool designed to help you produce professional-quality slideshows with ease. As an ai slideshow maker, it stands out as one of the best slideshow makers available. You can use this photo slideshow software to learn how to create a slideshow for Instagram or how to make a slideshow with music effortlessly. The user-friendly drag-and-drop interface simplifies the process, allowing you to choose from customizable templates customized for various themes. Plus, Animoto features an extensive library of licensed music, which improves your storytelling. Once you’ve created your slideshow, you can easily publish and share it across multiple social media platforms, making it a versatile slideshow video creator for all your needs. Movavi If you’re looking for another robust option for creating slideshows, Movavi Slideshow Maker is worth considering. This software makes it easy to create a picture slideshow with music in just three simple steps: import your photos, add music and transitions, and export your final product. Movavi supports various media formats and offers high-quality output resolutions up to 4K, making it one of the best slideshow maker software available. You can access a rich library of filters, effects, and templates to improve your creativity. Moreover, the built-in music library provides royalty-free tracks, ensuring your slideshows are engaging. Whether you’re on Windows or Mac, you’ll find this photo slideshow software free download full version meets your needs and simplifies how to make a slideshow with pics and music. Adobe Express Adobe Express serves as a user-friendly web-based design tool that simplifies the process of creating photo slideshows with integrated music and alterations. You can easily make a slideshow with images using AI, ensuring a visually appealing result. To learn how to create a picture slideshow with music, explore the polished templates and design assets offered by Adobe Express. This free slideshow maker is compatible with both web and mobile devices, allowing you to edit on-the-go. You can customize slide timing and transitions, giving you control over your slideshow presentations. With its integration into Adobe Creative Cloud, Adobe Express stands out among the best photo slideshow software and top slideshow programs available today. Icecream App Icecream App is a lightweight desktop application that simplifies the process of creating straightforward slideshows, making it an excellent choice for beginners. This software allows you to make a slideshow with images using AI, which is one of the easiest ways to make a photo slideshow. You can easily learn how to create a video slideshow and how to make a photo slideshow with music. Icecream App supports various file formats and offers quick export options for hassle-free use. Although it may not have advanced editing features, it shines as one of the best photo slideshow maker software available. If you’re wondering how do you create a slideshow with music, this app is among the top slideshow software options for you. Clipchamp Clipchamp stands out as a user-friendly, browser-based video editor that caters to both novices and professionals looking to create impressive slideshows. With its flexible timeline editing, you can easily arrange photos and videos to achieve the perfect visual flow. Whether you want to make a slideshow with images using AI or learn how to make a slideshow video, Clipchamp provides excellent resources. It ranks among the best slideshow software, featuring a variety of templates and stock assets to improve your projects. If you’re wondering how to create a picture slideshow with music for free, this platform has built-in options for that too. Nonetheless, be mindful that performance may lag on lower-end devices, impacting larger projects. Frequently Asked Questions What Is the Best Video Slideshow Maker? When choosing the best video slideshow maker, consider your needs and preferences. Animoto’s user-friendly interface is great for quick projects, whereas PowerDirector offers extensive effects and changes. Movavi Slideshow Maker simplifies the process with its three-step method, and Icecream Slideshow Maker supports high-resolution outputs. For social media content, Adobe Express provides polished templates. Each option has unique features, so evaluate them based on your specific requirements and desired outcomes to find the right fit. How to Make a Stunning Slideshow? To create a stunning slideshow, start by selecting a user-friendly slideshow maker with customizable templates. Import high-quality photos and videos from your device or cloud. Add text captions for context and choose license-free music to set the mood. Experiment with various shifts and animations to keep your audience engaged. Finally, export your slideshow in high resolution, such as 4K, to guarantee clarity across different platforms and devices for the best viewing experience. What’s the Best App to Use for a Slideshow? To find the best app for creating a slideshow, consider your specific needs. Animoto offers a straightforward drag-and-drop interface, whereas Wondershare Filmora provides robust editing tools. If you prefer simplicity, Movavi Slideshow Maker is efficient with its three-step process. Freemake Video Converter allows for easy uploads to YouTube. Evaluate these options based on features, ease of use, and desired output quality to choose the right one for you. What Is the Best Free AI Photo Slideshow Maker? The best free AI photo slideshow maker is InVideo AI. It lets you create slideshows using personal media, stock images, or text prompts. Its user-friendly interface works seamlessly on Chrome and Edge browsers, so you won’t need to download any software. During the free version has limitations like watermarks and restrictions on the number of slideshows, the AI features simplify the process, allowing you to generate visually appealing slideshows quickly and efficiently. Conclusion To conclude, choosing the right slideshow video creator can improve your visual storytelling. Animoto’s templates and music library cater to diverse needs, whereas Movavi’s straightforward process simplifies creation. Adobe Express offers professional-quality design through AI tools, and Icecream App is user-friendly for beginners. Finally, Clipchamp’s flexible editing options accommodate all skill levels. By comprehending the unique strengths of each platform, you can select the one that best fits your project requirements and creative vision. Image via Google Gemini This article, "Top 5 Slideshow Video Creators for Stunning Visuals" was first published on Small Business Trends View the full article

Stranded passengers may have to wait days for alternative flights after hundreds of cancellations View the full article

Anker launched a pair of "2-in-1" earbuds under its Soundcore brand at CES 2026, and it has a unique feature: They can be worn in two ways by adjusting the ear hooks. When you want active noise cancellation, you can wear it in-ear, and when you don't, you can adjust the hooks for an open-ear design. This quirky product is called the Soundcore Aerofit 2 Pro—and you can already buy it for $150, which includes a launch discount of $30. When it comes to CES announcements, I'm always wary of vaporware, aka products that are announced but never shipped. That's why I keep an eye out for products with a shorter launch window so you can actually get your hands on the things you're excited about. The Soundcore Aerofit 2 Pro is one of those products. As Anker itself admits on the product page, the Aerofit 2 Pro isn't for everyone. The biggest quirk of this product is its size. It's a lot bigger than most ANC earbuds, and the ear hooks go all the way around your ears, which isn't a fit that works for everyone. The charging case is also quite large, when compared with other ANC earbuds: It's 4.23 inches (11cm) wide, and it supports wireless charging. Credit: Soundcore Most noise-cancelling headphones let you switch to a listening mode that allows ambient sounds via software, but the Aerofit 2 Pro lets you do this by physically twisting the earbuds. This adjustment seems quite seamless based on the demo video on the product page, but I haven't tested it in-person, so I'll reserve my judgment until I do. There are five levels of adjustment for the ear hooks, with levels 1 and 2 reserved for open-ear listening, and 4 and 5 for noise cancellation. Level 3 maintains your previous listening mode to prevent accidentally switching to a different mode. View the full article

In moments of political chaos, deepfakes and AI-generated content can thrive. Case in point: the online reaction to the US government’s shocking operation in Venezuela over the weekend, which included multiple airstrikes and a clandestine mission that ended with the capture of the country’s president, Nicolás Maduro, and his wife. They were soon charged with narcoterrorism, along with other crimes, and they’re currently being held at a federal prison in New York. Right now, the facts of the extraordinary operation are still coming to light, and the future of Venezuela is incredibly unclear. President Donald The President says the U.S. government plans to “run” the country. Secretary of State Marco Rubio has indicated that, no, America isn’t going to do that, and that the now-sworn-in former vice president, Delcy Rodriguez will lead instead. Others are still calling for opposition leaders María Corina Machado and Edmundo Gonalzez to take charge. It’s in moments like this that deepfakes, disinformation campaigns, and even AI-generated memes, can pick up traction. When the truth, or the future, isn’t yet obvious, generative artificial intelligence allows people to render content that answers the as-yet-unanswered questions, filling in the blanks with what they might want to be true. We’ve already seen AI videos about what’s going on in Venezuela. Some are meme-y depictions of Maduro handcuffed on a military plane, but some could be confused for actual footage. While a large number of Venezuelans did come out to celebrate Maduro’s capture, videos displaying AI-generated crowds have also popped up, including one that apparently tricked X CEO Elon Musk. At least anecdotally, deepfake content related to Venezuela has spiked in recent days, says Ben Colman, the cofounder and CEO of Reality Defender, a firm that tracks deepfakes. Those narratives aren’t tied to any movement and “run the gamut from nationalist to anti-government, pro-Venezuela, pro-US, pro-unity, anti-globalization, and everything in between,” he says. “The difference between this event and events from even a few months ago is that image models have gotten so good in recent days that the most astute fact-checkers, media verification experts, and experts in our field are unable to manually verify many of them by pointing to specific aspects of the image as an indicator for validity or lack thereof,” Colman explains. “That battle (of manual, visual verification) is pretty much lost.” OpenAI told Fast Company that it’s monitoring how Venezuela is playing out across its products and says it will take action where it sees violations of its usage policies. The State Department’s Global Engagement Center, a federal outfit established to monitor disinformation campaigns aboard, would have previously tracked the situation, a former employee says. For instance, within the Russian war in Ukraine, the State Department saw deepfakes of leaders trying to convince soldiers to lay down their arms, and fake narratives about additional entrants into the war. During political chaos, it’s common for online actors to try to disincentivize opposing factions, the person adds. That center was later shut down, after Republicans accused the outfit of censoring Americans. The State Department did not respond to a request for comment by time of publication. ‘Accelerants’ Political deepfakes and AI-generated content are now commonplace. A few years ago, AI-generated TV anchors spreading pro-government talking points, seemingly intended to promote the idea that Venezuela’s economy and security were generally good went viral across the country. In 2024, a party affiliated with former president of South Africa, Jacob Zuma, shared a deepfake video featuring an AI-generated Donald The President endorsing their platform (that was far from the only example in the country). As even the recent New York City mayoral election showed, AI is often deployed during tense campaign seasons. The Knight First Amendment Institute, which analyzed the use of AI in elections back in 2024, found that many deployments of AI, especially during election time, aren’t necessarily meant to deceive—and that misinformation isn’t always created from AI. The problem isn’t just that it’s easy to make disinformation with AI, but that people are open to ingesting disinformation. In other words, there’s demand for this kind of content. “Deepfakes in this context aren’t just misinformation, they are accelerants,” Emmanuelle Saliba, chief investigative officer at GetReal Security, another firm that tracks deepfakes, told Fast Company. “While some of the fabricated content we’ve seen circulating is created to feed meme culture, some of it has been created and disseminated to confuse and destabilize people during an already volatile climate. Trust is hanging by a thread.” View the full article

Monitoring comes as Washington builds up military assets in BritainView the full article

Military would use sensors, drones and satellites to ensure compliance in support of a European-led ‘reassurance force’View the full article

Kim Kardashian’s apparel brand Skims is outfitting American athletes at the Olympics for the fourth time in a row, and this year’s collection is its cheekiest one yet. Skims and Team USA have established something of an annual tradition. The brand has dressed Olympic and Paralympic athletes in new loungewear-slash-underwear capsules at the Tokyo 2020, Beijing 2022, and Paris 2024 Games—and now, it’s back for Milano Cortina 2026. This year’s collection includes everything from Americana-themed panties to cozy pajama sets, tasteful sweaters, menswear, and accessories. The collection will be available to average folk starting on January 8 at Skims.com and some Skims flagship stores, with prices ranging between $20 and $88. Compared to previous collaborations, this year’s launch isn’t exactly reinventing the wheel. However, sprinkled throughout the more standard offerings are a few items that feel like Juicy Couture turned sporty—and for Skims, those pieces make complete sense. Skims Team USA serves up business in the front, party in the back For years, Team USA’s Olympic aesthetic has largely been defined by its ultra-preppy, buttoned-up collaboration with Ralph Lauren, which has officially helmed the country’s ceremony outfits since 2008. Other brands, like J. Crew, have worked on more casual takes on Olympic apparel (see this year’s ‘70s-inspired collection), but Skims has led the charge on some of the most approachable Team USA gear in recent years, bringing its quintessential focus on minimalist silhouettes and soft fabrics to each new collection. This year’s Skims Team USA capsule is largely in line with year’s past. Staples include basic Team USA-themed ringer tees, undies, and tank tops, paired with flannel sleep shorts and wooly crewneck sweaters—essentially, exactly what one might imagine from a Skims x Team USA collab. But a couple of the pieces seem to wink at a slightly more experimental direction. At least one of the pairs of underwear includes the phrase “Team USA” emblazoned in bold retro lettering across the bum. And in one photo, the Skims team styled this design quirk with a pair of white, over-the-knee socks, also featuring “Team USA” lettering. It’s a shot that feels like a glimpse of how y2k Juicy Couture might’ve handled Olympic outfitting; and it brings a sexier design ethos to prep—and the world’s most anticipated athletic event. It makes sense that Skims Team USA might try something a bit more out-of-the-box this year, given that its cachet in the athleisure and brand collaboration spaces has expanded massively since its first Olympic partnership in 2020, including official partnerships with the NBA, WNBA, Nike, and North Face. If any brand could get away with bringing a bit of lighthearted levity to the Games’ apparel, it would be Skims—and as long as it doesn’t verge into nipple bra or merkin territory, we’ll take it. View the full article

Instagram is launching a new feature, Instagram for TV, aimed at transforming how users engage with content on the platform. This innovative app allows users to watch Reels—short video clips—from their favorite creators on large-screen TVs, making it a perfect solution for shared viewing experiences with family and friends. Currently available on Amazon Fire TV in the U.S., this development could offer small business owners unique opportunities to enhance their marketing strategies. “Watching reels together is more enjoyable, and this test will help us learn which features make that experience work best on TV,” Instagram stated in a press release about the new offering. For small business operators, the implications of Instagram for TV are significant. Not only does this feature position Instagram as a key player in the social media landscape, but it also opens doors for creators and brands aiming to connect with wider audiences. Here’s a breakdown of its key benefits, practical applications, and challenges. Instagram for TV combines ease of use with personalization. Users can install the Instagram app on their Amazon Fire TV and link up to five different accounts. Each account gets a tailored experience, showcasing reels based on individual interests—ranging from trending moments to travel tips and sports highlights. This curated content could lead small business owners to target specific demographics more effectively. For instance, a travel agency could create engaging reels tailored for users interested in travel, making use of this platform to reach potential customers directly in their living rooms. Furthermore, as users navigate through these channels, they have the option to let more reels play automatically, ensuring a seamless viewing experience. This feature may prove beneficial for businesses looking to engage viewers without requiring them to interact constantly with the platform. A retail brand could run a series of promotional reels about products or services, creating continuous engagement while freeing viewers from the need to scroll for more content. Interestingly, Instagram plans to introduce features that could pave the way for even more interactivity. Users could potentially use their smartphones as remote controls, browse content through innovative channel-surfing options, and even share feeds with friends. This could provide small businesses with fresh avenues for collaborative advertising by aligning with complementary brands to share dynamic content. However, with these benefits come potential challenges for small business owners. As Instagram places a strong emphasis on content standards suitable for a broad audience, businesses must ensure that their reels align with these guidelines. The new app adheres to a PG-13 rating system similar to those in movies, which could limit certain types of marketing content that don’t fit this criterion. Additionally, business owners should consider the educational aspect of using Instagram for TV. Crafting engaging reels that capture audience attention within a limited time frame may require new skills and creativity. Companies without experience in short-form video content may need to invest in training or hire professionals, which could incur additional costs. Moreover, the target audience for Instagram remains predominantly younger demographics. While this can be advantageous for brands focused on younger consumers, it might not match the target audience for every small business. Owners need to assess if focusing their marketing efforts on this platform aligns with their overall branding and target market strategy. As the launch of Instagram for TV unfolds, the platform is set to introduce more features and improvements based on user feedback. Small business owners may find value in being early adopters, experimenting with the app while it is still evolving. For those eager to start, the process of set-up is straightforward: install the Instagram app on an Amazon Fire TV and log in to begin exploring personalized viewing experiences. With Instagram’s integrated focus on safety and audience suitability, small business owners can feel secure in creating content tailored for broad audiences. This new feature positions Instagram as a competitive platform in the digital advertising landscape, making it essential for small business owners to stay informed and adapt their strategies accordingly. The opportunity to reach and engage a larger audience through innovative content is an invitation to explore new dimensions in marketing. To stay updated on Instagram for TV and its features, visit the original press release here. Image via Google Gemini This article, "Instagram Launches TV Feature to Enjoy Reels with Friends on Big Screen" was first published on Small Business Trends View the full article

Instagram is launching a new feature, Instagram for TV, aimed at transforming how users engage with content on the platform. This innovative app allows users to watch Reels—short video clips—from their favorite creators on large-screen TVs, making it a perfect solution for shared viewing experiences with family and friends. Currently available on Amazon Fire TV in the U.S., this development could offer small business owners unique opportunities to enhance their marketing strategies. “Watching reels together is more enjoyable, and this test will help us learn which features make that experience work best on TV,” Instagram stated in a press release about the new offering. For small business operators, the implications of Instagram for TV are significant. Not only does this feature position Instagram as a key player in the social media landscape, but it also opens doors for creators and brands aiming to connect with wider audiences. Here’s a breakdown of its key benefits, practical applications, and challenges. Instagram for TV combines ease of use with personalization. Users can install the Instagram app on their Amazon Fire TV and link up to five different accounts. Each account gets a tailored experience, showcasing reels based on individual interests—ranging from trending moments to travel tips and sports highlights. This curated content could lead small business owners to target specific demographics more effectively. For instance, a travel agency could create engaging reels tailored for users interested in travel, making use of this platform to reach potential customers directly in their living rooms. Furthermore, as users navigate through these channels, they have the option to let more reels play automatically, ensuring a seamless viewing experience. This feature may prove beneficial for businesses looking to engage viewers without requiring them to interact constantly with the platform. A retail brand could run a series of promotional reels about products or services, creating continuous engagement while freeing viewers from the need to scroll for more content. Interestingly, Instagram plans to introduce features that could pave the way for even more interactivity. Users could potentially use their smartphones as remote controls, browse content through innovative channel-surfing options, and even share feeds with friends. This could provide small businesses with fresh avenues for collaborative advertising by aligning with complementary brands to share dynamic content. However, with these benefits come potential challenges for small business owners. As Instagram places a strong emphasis on content standards suitable for a broad audience, businesses must ensure that their reels align with these guidelines. The new app adheres to a PG-13 rating system similar to those in movies, which could limit certain types of marketing content that don’t fit this criterion. Additionally, business owners should consider the educational aspect of using Instagram for TV. Crafting engaging reels that capture audience attention within a limited time frame may require new skills and creativity. Companies without experience in short-form video content may need to invest in training or hire professionals, which could incur additional costs. Moreover, the target audience for Instagram remains predominantly younger demographics. While this can be advantageous for brands focused on younger consumers, it might not match the target audience for every small business. Owners need to assess if focusing their marketing efforts on this platform aligns with their overall branding and target market strategy. As the launch of Instagram for TV unfolds, the platform is set to introduce more features and improvements based on user feedback. Small business owners may find value in being early adopters, experimenting with the app while it is still evolving. For those eager to start, the process of set-up is straightforward: install the Instagram app on an Amazon Fire TV and log in to begin exploring personalized viewing experiences. With Instagram’s integrated focus on safety and audience suitability, small business owners can feel secure in creating content tailored for broad audiences. This new feature positions Instagram as a competitive platform in the digital advertising landscape, making it essential for small business owners to stay informed and adapt their strategies accordingly. The opportunity to reach and engage a larger audience through innovative content is an invitation to explore new dimensions in marketing. To stay updated on Instagram for TV and its features, visit the original press release here. Image via Google Gemini This article, "Instagram Launches TV Feature to Enjoy Reels with Friends on Big Screen" was first published on Small Business Trends View the full article

While the US military operation in Venezuela didn't hit sentiment on American financial markets, the action reminded investors how tenuous any trading thesis can be in a world undergoing geopolitical changes. View the full article

A golden phone that President Donald The President‘s family business promised to release last year remains mysteriously under wraps as the technology industry serves up a glut of new gadgets at CES in Las Vegas this week. When the The President Organization launched a mobile phone service last June, it was supposed to be a stage setter for a new smartphone bathed in gold with a $500 price tag — a bargain compared to Apple’s latest iPhone models that sell for anywhere from $800 to $1,200. The newly formed The President Mobile targeted its T1 phone for an August or September release. What’s more, The President Mobile initially hailed T1 as a device that would be “proudly designed and built in the United States for customers who expect the best.” But both the T1’s shipping date and U.S. manufacturing ambitions gradually began to shift, even as The President Mobile continues to accept $100 deposits for the device. Not long after announcing the device, The President Mobile pivoted from describing it as a phone that would be made in the U.S. to framing it as a device that would be “proudly American.” The President Mobile’s website now touts the T1 as having an “American-proud” design, with no further explanation. Analysts believed that the shift stemmed from a recognition that the U.S. lacked the supply chain and other logistics required to make a smartphone for less than $1,000 — the same hurdles that made it implausible for Apple to acquiesce to President The President’s demands that the company move its iPhone manufacturing from China and India. Later in the summer, The President Mobile also became more vague about when the T1 would become available, but still indicated it would be delivered to customers who paid the $100 deposit by the end of 2025. The President Mobile’s website continues to list the T1’s targeted release date as “later this year.” The The President Organization didn’t respond to inquiries from The Associated Press about the delays or when the device is now expected to be shipped. The Financial Times recently reported that it was told by a customer representative for The President Mobile that the phone will be shipped in late January and attributed its delayed release to the 43-day shutdown of the federal government last year. Whatever the reason, the T1’s ongoing absence from the smartphone market didn’t come as a surprise to International Data Corp. analyst Francisco Jeronimo. “We have always been quite skeptical about this phone,” Jeronimo said. “They are probably finding that it is harder to build a phone than they thought it would be. Let’s see if this thing comes to life or not.” While the T1 has remained in a holding pattern, The President Mobile has been selling its wireless service for $47.45 per month — a price tied to Donald The President’s titles as the 47th and 45th President. For customers looking for a smartphone that they can use sooner rather than later, The President Mobile is also selling refurbished versions of older iPhones and Samsung’s Galaxy models at prices ranging from $370 to $630. “Maybe they changed their strategy and figured out they are better off just selling refurbished phones,” Jeronimo said. —Michael Liedtke, AP technology writer View the full article

Pipeline safety regulators on Monday assessed their largest fine ever against the company responsible for leaking 1.1 million gallons of oil into the Gulf off the coast of Louisiana in 2023. But the $9.6 million fine isn’t likely to be a major burden for Third Coast to pay. This single fine is close to the normal total of $8 million to $10 million in all fines that the Pipeline and Hazardous Materials Safety Administration hands out each year. But Third Coast has a stake in some 1,900 miles of pipelines, and in September, the Houston-based company announced that it had secured a nearly $1 billion loan. Pipeline Safety Trust Executive Director Bill Caram said this spill “resulted from a company-wide systemic failure, indicating the operator’s fundamental inability to implement pipeline safety regulations,” so the record fine is appropriate and welcome. “However, even record fines often fail to be financially meaningful to pipeline operators. The proposed fine represents less than 3% of Third Coast Midstream’s estimated annual earnings,” Caram said. “True deterrence requires penalties that make noncompliance more expensive than compliance.” The agency said Third Coast didn’t establish proper emergency procedures, which is part of why the National Transportation Safety Board found that operators failed to shut down the pipeline for nearly 13 hours after their gauges first hinted at a problem. PHMSA also said the company didn’t adequately assess the risks or properly maintain the 18-inch Main Pass Oil Gathering pipeline. The agency said the company “failed to perform new integrity analyses or evaluations following changes in circumstances that identified new and elevated risk factors” for the pipeline. That echoed what the NTSB said in its final report in June, that “Third Coast missed several opportunities to evaluate how geohazards may threaten the integrity of their pipeline. Information widely available within the industry suggested that land movement related to hurricane activity was a threat to pipelines.” The NTSB said the leak off the coast of Louisiana was the result of underwater landslides, caused by hazards such as hurricanes, that Third Coast, the pipeline owner, failed to address despite the threats being well known in the industry. A Third Coast spokesperson said the company has been working to address regulators’ concerns about the leak, so it was taken aback by some of the details the agency included in its allegations and the size of the fine. “After constructive engagement with PHMSA over the last two years, we were surprised to see aspects of the recent allegations that we believe are inaccurate and exceed established precedent. We will address these concerns with the agency moving forward,” the company spokesperson said. The amount of oil spilled in this incident was far less than the 2010 BP oil disaster, when 134 million gallons were released in the weeks following an oil rig explosion, but it could have been much smaller if workers in the Third Coast control room had acted more quickly, the NTSB said. —Josh Funk, AP Transportation Writer View the full article

There's something deeply satisfying about tracking your running progress in a spreadsheet you built yourself. No algorithm showing off other people's workouts, no concerns about what happens to your data if the company pivots or shuts down. Just you, your numbers, and a system designed exactly the way you want it. And when I wrote about this earlier this year, I received some truly heartwarming messages from runners who'd been thinking the same thing. So many of us runners are tired of relying on apps, and we're instead drawn to a simple, customizable spreadsheet. Why build your own spreadsheet?Sure, there's no shortage of fitness tracking apps out there. Strava, Garmin Connect, Nike Run Club—they all have their strengths. But owning your own spreadsheet offers something different: complete control. You can design your system to match your specific training needs. I also appreciate the intentionality that gets introduced when you have to design your own tracking system. There's also the simple economics. Spreadsheets are free. They don't have premium tiers, they don't expire when you stop paying, and they don't suddenly lock features you've been using for months. Plus, creating custom charts and graphs to visualize your progress becomes a matter of a few clicks rather than hoping the app updates to include the exact view you're looking for. This is not the first spreadsheet I've shared with my Lifehacker community, but this might be my magnum opus: a running tracker that logs every workout, calculates weekly mileage automatically, visualizes training load over time, and helps me plan toward specific race goals. It's evolved over months of use, shaped by what actually matters when I lace up my shoes each morning. Here she is. If the idea of a spreadsheet appeals to you, but you hate my spreadsheet, that's fine! I'm not even crying about it! Let's take a look at how you can perfect your own DIY running tracker. What to track (and what to skip)The key to a sustainable running spreadsheet is tracking what actually helps you without drowning in data entry. Here's what I've found worth logging: The essentials: Date, distance, time, and pace. These four fields form the backbone of any useful running log. They let you calculate weekly mileage, monitor whether you're getting faster, and spot trends over time. The context: Route or location, weather conditions, and how you felt during the run. These qualitative details help you understand the story behind the numbers. That slower pace might make sense when you remember it was 95 degrees, or you were running hills, or you resolved to run slower now in order to run faster later. The training details: Type of run (easy, tempo, intervals, long run), elevation gain if relevant to your training, and any specific workout structure. This helps you ensure you're balancing different types of training rather than just logging junk miles. What I don't track: Every single calorie burned (those estimates are notoriously unreliable anyway). Setting up your systemStart simple. Create columns for your essential data and add a few basic formulas: total weekly mileage, average pace for the week, maybe a running total for the month. Google Sheets and Excel both make this straightforward, and you can always add complexity later. Consider organizing with separate tabs for different purposes. I keep one tab as my main running log where each row represents a workout, another tab for monthly summaries that automatically calculate totals and averages, and a third for goal tracking where I can see my progress toward specific races or mileage targets. The beauty of building your own system is that you can iterate. After a month of tracking, you'll notice what information you actually reference and what just clutters the spreadsheet. Maybe you thought you'd care about cadence but never look at that column, or perhaps you wish you'd been tracking which shoes you wore to monitor when they need replacing. Adjust accordingly. Making it visualNumbers in rows tell one story, but charts and graphs reveal patterns you might otherwise miss. Create a simple line graph showing your weekly mileage over time and you'll instantly see when you're ramping up training, when you backed off for recovery, and whether your current volume is sustainable. I like having a few standard visualizations: a line chart of weekly mileage, a bar graph comparing monthly totals across the year, and a scatter plot showing the relationship between distance and pace to spot my comfortable running ranges. None of this requires advanced spreadsheet skills—most programs will generate decent charts automatically once you select your data. The bottom lineThe point here isn't to use my exact system, but to recognize that you can build something better suited to your needs than any one-size-fits-all app. Your training is unique to you—your goals, your schedule, your body, your definition of progress. Why not track it in a way that reflects that? Keep what works, discard what doesn't, and enjoy this life upgrade. View the full article

Workplace training invites are dropping in many employees’ inboxes now that the new year is underway. Most employers require staff to complete multiple HR modules annually: training on harassment, workplace relationships, or conflicts of interest, for example, followed by a quick quiz. Recently, however, a new TikTok trend imagining fake workplace “training modules” is going viral. “It’s 5 pm and you notice one of your colleagues is crying at their desk,” creator @pepsimasc posted in November. “Do you A: check in and ask how they’re doing, or B: tell them to shut the fuck up?” the skit begins. He continues on to the next imaginary scenario: “You’re in a meeting and notice one colleague bullying another. Do you A: stand up for them, B: report it to HR, C: offer them a lift home and crash the car, or D: all of the above?” In the final scenario, he explains: “You’re walking to the lunchroom and notice someone has smashed a glass on the floor and left it there. Do you A: contact facilities, B: clean it up immediately, or C: spill baby oil around it so someone can fall onto the glass?” For those well-acquainted with this type of training, the multiple-choice framing should be painfully familiar. The videos even share that familiar elevator music that plays in the background as you click your way through the slides. (Listen long enough, and you can feel your brain slowly powering down.) Across TikTok, creators are posting their own parody “HR trainings,” riffing on the fact that after years of mandatory workshops and assessments, they’ve got the scripts practically memorized and the tone down to a T. Another creator parodies a common phishing prompt. “You get an email with a link that you think might be a scam. What’s the appropriate course of action? A: tell HR, or B: throw out your laptop.” Another, in a video watched more than 8.2 million times, asks viewers to “select the example of harassment.” Option one: Jane gives you a high five. Option two: Marcus gives you a pat on the back. Option three: John runs at you fully erect. The comments are filled with corporate workers who feel seen by the skit. One said: “And then they’re like, ‘actually it’s ALL of them.’” “This is so funny,” another wrote. “And unfortunately, accurate.” View the full article

With limited seasoning and primarily a clean payment history, OBX 2026-NQM1 had a seasoned probability of default of 33.3% among the AAA stresses and 11.4% among the B. View the full article

No pet owner wants to think about what might happen in the event of a fire. As a dog owner, I know I don't. But fires do happen, and pets can't follow a fire plan. Rescue Retriever wants to change that: I spoke with the company during CES' Pepcom event, and learned how they're working to make it easier for firefighters to find your pets in the event of a fire. Rescue Retriever first launched back in March of 2024, started by two brothers—one of whom is a former firefighter. The company told me that during a fire, pets tend to run to where they feel safe—maybe that's under the bed, or somewhere tucked away in a room. That makes it difficult for firefighters to locate pets during an emergency: They don't have the ability to search every corner of a burning home, and, unfortunately, pets sometimes don't make it out. Rescue Retriever's smoke detector Rescue Retriever's smoke detector aims to solve that problem. This detector isn't supposed to be placed where your current smoke detector is; rather, the idea is to place it where your pet is most likely to go when they are scared. If you know they like to hide under your bed, for example, you can place the detector there. Once the device detects smoke during a fire, a bright light begins to strobe inside, spread out by a mix of holes places throughout the device. (Even in the bright lights of Pepcom, the strobe looked intense to me.) That way, firefighters can look out for the strobing lights when trying to locate pets in your home. There's even an accompanying sticker you can place on your home's window, so firefighters know you have a pet to look out for. The device is silent as well, as to not scare your pets away from their hiding space. It wouldn't do any good to have a beacon for firefighters to locate your pet, only to have them scurry off because of an alarm. Rescue Retriever Fire Tag Credit: Lifehacker But Rescue Retriever wasn't at Pepcom just to show off a device they launched two years ago. New to this year is the Fire Tag, which brings the strobe light from the main unit to a small tag you can place on your dog's collar. The tag syncs up to the main unit using RFID: When the main unit detect smoke and starts strobing, the Fire Tag will pick up the signal, and will follow suit. It's great that the main unit doesn't make a noise to scare your dog, but maybe they run off anyway. Maybe the house smoke alarm scares them again, or they don't follow their usual pattern and hide somewhere away from where you placed the main unit. Having a Fire Tag on their collar would give firefighters a better shot at locating the dog, wherever they may be in the home. Rescue Retriever also tells me these tags have a range of up to a quarter mile. If your dog goes running off away from your house, their collars might still light up. To that point, the Fire Tag opens up, allowing you to place a tracker like an AirTag inside. Even if your dog runs out of that quarter mile range, you could still track them if they come within Bluetooth range of a device within the Find My network. Rescue Retriever says the Fire Tag is ready for production, and, when available, can be purchased either individually ($29.99), or as part of a larger bundle with the main Rescue Retriever unit ($89.99). The main unit can be purchased now for $39.99, but also comes with its own bundles and accessories for varying prices. View the full article

A commercial equity loan is a financial tool that lets you tap into the equity of your commercial property. By doing so, you can access cash for business needs like renovations or expansion. Typically, you can borrow up to 75% of your property’s appraised value, but several factors come into play, including your creditworthiness and the property’s assessment. Comprehending how this loan works can help you make informed decisions about funding your business. What are the specific benefits and requirements involved? Key Takeaways A commercial equity loan allows businesses to leverage property equity for cash, typically up to 75% of the appraised value. The loan is secured by the commercial property, requiring a minimum credit score of 650 and a 20% down payment. Lenders evaluate risk through property value, business financials, and creditworthiness during the approval process, which takes 30 to 60 days. Repayment terms can be fixed or variable, with lower interest rates compared to unsecured loans, aiding cash flow management. Proper documentation, including appraisals and financial statements, is essential for securing a commercial equity loan. Understanding Commercial Equity Loans When you consider a commercial equity loan, you’re fundamentally looking at a way to tap into the value your commercial property has built up over time. This type of financing allows you to access cash by leveraging that equity for various purposes, such as repairs, renovations, or new investments. Typically, banks and private lenders offer these loans, providing funding amounts that depend on their criteria and your property’s value, often with loan-to-value (LTV) ratios reaching up to 75%. To qualify for a commercial equity loan, you usually need a minimum credit score of 650, proof of income, and a down payment of at least 20%. Many commercial equity loans come with fixed rates, making your monthly payments predictable. Nevertheless, it’s essential to understand the risks involved, including potential foreclosure if you miss payments and how fluctuations in property value can impact your loan terms. How Commercial Equity Loans Work Comprehending how commercial equity loans work is vital for business owners looking to leverage their property’s value. These loans enable you to access the equity built in your commercial property, providing cash for repairs, renovations, or new investments. To qualify, lenders typically require a minimum credit score of 650 and a down payment of at least 20% of the property’s value. The amount you can borrow typically depends on the loan-to-value (LTV) ratio, which may allow you to secure up to 75% of the appraised property value, minus any existing liens. Lenders assess risk by evaluating factors like the property’s value, your creditworthiness, and your business financials, including tax returns and financial statements. Finally, repayment terms and interest rates can vary considerably based on the lender’s criteria and your overall financial health, so it’s imperative to review multiple options before proceeding. Benefits of Commercial Equity Loans When you consider a commercial equity loan, you reveal the potential for significant access to capital by leveraging the equity in your property. This type of financing not just offers flexible funding solutions customized to your specific needs but additionally comes with lower interest rates compared to other loan options. With these advantages, you can effectively manage your cash flow and invest in growth opportunities without sacrificing ownership. Access to Capital Accessing capital through commercial equity loans can be a strategic move for business owners looking to fund various initiatives or manage operational costs. By leveraging the equity built in your commercial property, you can access a lump sum of cash, often up to 75% of the property’s appraised value. This substantial capital can be utilized for repairs, renovations, or even purchasing new investment properties. Significantly, you don’t need an extensive credit history or high personal credit score to qualify. With competitive fixed rates typically ranging from 4.30% to 5.00%, these loans can help you minimize reliance on high-interest unsecured loans or credit cards, ultimately enhancing your cash flow and reducing overall borrowing costs. Flexible Funding Solutions Leveraging the equity in your commercial property opens up a variety of flexible funding solutions that can greatly benefit your business. Commercial equity loans allow you to access up to 75% of your property’s equity, providing a lump sum for repairs, renovations, or new investments. These loans are particularly advantageous for business owners needing funds for bills, expansion, or capital improvements. Furthermore, with competitive interest rates and adaptable repayment terms, you can customize the loan to fit your financial situation. By using your property as collateral, you can secure funding during the process of potentially improving your cash flow management. Benefit Description Access to Funds Obtain cash for various business needs Custom Repayment Customize terms based on your financial situation Lower-Cost Financing Often cheaper than unsecured loans Improved Cash Flow Management Minimize debt obligations while securing funding Equity Utilization Leverage built equity for growth and expansion Lower Interest Rates Even though many business owners seek financing options, commercial equity loans stand out due to their lower interest rates compared to unsecured loans. Typically ranging from 4.30% to 5.00%, these rates make them an appealing choice for financing projects at a reduced cost. By leveraging the equity in your commercial property, you can secure financing at rates that are usually more favorable than personal loans or credit cards. As these loans are asset-based, lenders offer better terms, reflecting the reduced risk of collateralized loans. You can access up to 75% loan-to-value (LTV) on commercial properties, allowing significant equity use during competitive interest rates. In the end, lower rates can lead to substantial savings for your business. Types of Commercial Properties Eligible for Equity Loans When considering a commercial equity loan, you’ll find several types of properties eligible for financing. Office spaces, retail stores, and industrial facilities often meet the criteria, as lenders evaluate their market value and equity position. Comprehending the specific requirements for each property type can help you determine the best funding options available. Office Properties Eligibility Criteria Office properties can qualify for commercial equity loans, provided they meet specific eligibility criteria. To maximize your chances of approval, consider the following factors: Property Value: Your office property should be valued up to $5 million to be eligible for these loans. Loan-to-Value Ratio: Lenders typically allow a maximum loan-to-value (LTV) ratio of up to 75%, based on your property’s market value and existing liens. Occupancy and Income: The property’s occupancy rate and income generation potential play a crucial role in determining eligibility. Documentation: You must demonstrate financial stability by providing documentation, including income proof and business financial statements. Focusing on these criteria can improve your likelihood of securing a commercial equity loan for your office property. Retail Spaces Funding Options Are you considering how to finance your retail space? Retail properties, including shopping centers and standalone stores, often qualify for commercial equity loans. These loans can provide up to 75% loan-to-value (LTV), allowing you to access substantial cash based on your property’s appraised value. To secure a loan, you typically need a credit score of at least 650, along with proof of income and other financial documents. Lenders will conduct a thorough appraisal to determine your property’s market value and the equity available for borrowing. The funds you acquire can be used for various purposes, such as renovations, purchasing inventory, or broadening your business, finally enhancing your operational capabilities. Industrial Properties Considerations Industrial properties play a crucial role in the commercial real estate market, and comprehending their financing options can help you make informed decisions. If you’re considering a commercial equity loan for industrial properties, keep these points in mind: Property Types: Eligible properties include warehouses, distribution centers, and production facilities. Value Limits: Properties valued up to $5 million typically qualify, allowing access to significant equity. LTV Ratio: The loan-to-value ratio can reach up to 75%, providing substantial funds based on your property’s equity. Documentation: Proper documentation, including appraisals and financial statements, is vital for evaluating value and suitability. Understanding these aspects can guide you in leveraging your industrial property for financing needs. Requirements for Obtaining a Commercial Equity Loan When considering a commercial equity loan, you’ll need to meet several key requirements that demonstrate your financial stability and ability to repay the borrowed amount. First, most lenders require a minimum credit score of 650, as this reflects your creditworthiness. You’ll furthermore need to provide proof of income and financial stability, showcasing your capacity to handle repayments. Typically, a down payment of at least 20% of the property’s value is expected, reducing the lender’s risk. In addition, you may have to submit further documentation, including business plans, financial statements, and tax returns, to help assess your financial situation and the property’s worth. Loan amounts and terms are primarily determined by the property’s assessed value, with lenders often allowing up to 75% loan-to-value (LTV). Meeting these requirements can help pave the way for securing a commercial equity loan that suits your needs. Risks Involved With Commercial Equity Loans Although commercial equity loans can provide valuable funding for your business, they come with several risks that you must consider. Comprehending these risks is essential for making informed financial decisions. Here are four key risks to keep in mind: Foreclosure Risk: Defaulting on payments can lead lenders to seize the property used as collateral, putting your business at risk. Property Value Fluctuation: A decrease in property value can affect your loan terms and make refinancing or selling the property more challenging without incurring losses. High Costs: Poorly structured loans may result in higher interest rates or additional fees, increasing your overall borrowing costs. Market Conditions: Fluctuating interest rates and economic downturns can make commercial equity loans less predictable, adding another layer of risk to your financial strategy. Being aware of these risks can help you navigate your financing options more wisely. Commercial Equity Loans vs. Commercial Equity Lines of Credit Comprehending the differences between commercial equity loans and commercial equity lines of credit (CELOC) is important for making informed financial choices for your business. A commercial equity loan provides a one-time lump sum of cash, whereas a CELOC offers a revolving line of credit from which you can draw funds as needed during a set period. Both options typically allow borrowing up to 75% of the property’s loan-to-value ratio, providing substantial access to equity. CELOCs are often more cost-effective, as you only incur interest on the amount drawn, unlike commercial equity loans, which require repayment of the full borrowed amount. Furthermore, CELOCs offer flexibility for cash flow needs or emergencies without needing to reapply, in contrast to commercial equity loans that come with fixed terms and repayment schedules. Finally, CELOCs may require a personal credit score of 600 or higher, whereas commercial equity loans typically demand a minimum score of 650. CMBS Cash-Out Refinancing for Larger Properties If you’re a property owner with commercial real estate valued at $2 million or more, CMBS cash-out refinancing could be a strategic option for accessing equity during managing existing debts. This refinancing method enables you to tap into your property’s value, allowing for potential growth or improvements. Here are some key benefits of CMBS cash-out refinancing: Loan-to-Value (LTV): You can access up to 75% of your property’s value. Asset-Based Loans: These loans typically have less stringent financial requirements than traditional options. Fixed Rates: Competitive interest rates usually range from 4.30% to 5.00%. Funding Opportunities: It’s particularly useful for financing renovations, expansions, or other investments during handling existing obligations. Application Process for Commercial Equity Loans When you’re ready to apply for a commercial equity loan, you’ll need to gather several important documents, such as proof of income and financial statements. Expect the approval timeline to vary, often taking several weeks depending on the lender’s review process and your financial situation. Comprehending these requirements can help you navigate the application process more smoothly. Required Documentation Overview Applying for a commercial equity loan requires careful preparation of various documents that demonstrate your financial stability and repayment ability. To streamline your application process, you’ll need to gather the following key items: Proof of Income: Recent pay stubs or business financial statements showing your earning capacity. Credit Score: A minimum credit score of 650 is typically required to assess your creditworthiness. Down Payment: Be prepared to make a down payment of at least 20% of the property value. Additional Documentation: This may include business plans, tax returns, and other financial documents that provide insight into your overall financial health. Having these documents ready can help facilitate a smoother application experience. Approval Timeline Expectations Grasping the approval timeline for commercial equity loans is crucial for effective financial planning, as it typically ranges from 30 to 60 days. This timeline varies based on the lender and the complexity of your application. To speed up the process, make sure you gather all required documents, such as proof of income, business plans, and tax returns, before applying. Lenders will also conduct an appraisal to determine your property’s market value, which can add time. Furthermore, a minimum credit score of 650 is usually required, so check your credit history beforehand. By staying organized and ready, you can help facilitate a smoother approval process and potentially shorten the time it takes to secure your loan. Interest Rates and Loan Terms Interest rates and loan terms are crucial factors to take into consideration when exploring commercial equity loans. Typically, interest rates range from 4.30% to 5.00%, influenced by the lender and your creditworthiness. Loan terms can vary widely, commonly lasting between 5 to 20 years. Here are some key points to reflect on: Most lenders require a minimum down payment of at least 20% of the property’s value. The loan-to-value (LTV) ratio typically permits borrowing up to 75% of the property’s appraised value. You may encounter variable interest rates, which can affect your overall borrowing costs as market conditions change. Grasping these rates and terms can help you make informed decisions about your financing options. Managing Your Commercial Equity Loan Managing a commercial equity loan effectively is essential for maintaining your financial stability and protecting your investment. Regularly monitor your cash flow to guarantee timely payments; failure to meet obligations could lead to foreclosure on your property. Understand your loan terms, including interest rates and repayment schedules, to avoid unexpected costs. Consider setting aside a reserve fund for potential cash flow fluctuations or unexpected expenses. Maintaining a strong credit score, ideally above 650, can improve your chances of refinancing or obtaining additional funding in the future. Regular communication with your lender can provide insights into any changes in loan terms and may open up opportunities for adjustments or additional financing. Key Management Tips Description Monitor Cash Flow Guarantee timely payments to avoid default. Understand Loan Terms Familiarize yourself with interest rates and fees. Maintain Reserve Fund Prepare for fluctuations in cash flow. Communicate with Lender Stay informed about potential adjustments. Finding the Right Lender for Your Equity Loan How do you find the right lender for your commercial equity loan? Start by considering Bank of America and private lenders that specialize in commercial financing, as they typically offer customized products for different business needs. To guarantee you get the best deal, compare loan terms, interest rates, and fees from multiple lenders. Many offer competitive fixed-rate loans between 4.30% and 5.00%. Here are some key factors to look for: Lender Requirements: Check their minimum credit score and income proof requirements, often around a score of 650. Flexibility: Seek lenders that allow for various loan amounts and repayment structures, with some permitting up to 75% LTV. Comparative Tools: Use online platforms like Swoop to streamline your search. Customer Service: Evaluate the lender’s support and responsiveness during the application process. Frequently Asked Questions How Does a Commercial Equity Loan Work? A commercial equity loan works by allowing you to borrow against the equity in your commercial property. Lenders typically offer up to 75% of your property’s appraised value. To qualify, you’ll need a minimum credit score of 650, along with proof of income and financial statements. You usually must make a down payment of at least 20%. How Much Would a $50,000 Home Equity Loan Cost per Month? If you take out a $50,000 home equity loan at an average interest rate of 4.5% over 15 years, your monthly payment will be about $379. Keep in mind that interest rates can vary, affecting your payment. Furthermore, you’ll need to take into account other costs, such as appraisal fees or closing costs, which can increase the overall expense. It’s essential to factor in these details when evaluating your loan options. Do You Have to Put 20% Down on a Commercial Loan? You typically need to put down at least 20% on a commercial loan, but this can vary. Some lenders might accept a lower down payment, especially for owner-occupied properties or those considered low risk, sometimes as low as 10%. Factors like your creditworthiness and the property type likewise influence the required down payment. It’s essential to consult with lenders to understand specific requirements for your situation and to improve your chances of loan approval. How Much Equity Can You Pull Out of a Commercial Property? You can typically pull out up to 75% of the equity in a commercial property, depending on its value and existing mortgage. For instance, if your property is valued at $1,000,000 with a $600,000 mortgage, the available equity is $400,000, allowing you access to about $300,000 in cash. Nevertheless, factors like your creditworthiness, income, and financial health can likewise influence the exact amount you can withdraw. Conclusion In conclusion, a commercial equity loan can be a valuable tool for businesses looking to access cash by leveraging their property’s equity. Comprehending how these loans work, the benefits they offer, and the requirements for obtaining one can help you make informed decisions. By carefully evaluating your options and finding the right lender, you can secure financing that supports your business goals during effectively managing repayment terms. Consider this option if you’re seeking funds for expansion or renovations. Image via Google Gemini This article, "What Is a Commercial Equity Loan and How Does It Work?" was first published on Small Business Trends View the full article

A commercial equity loan is a financial tool that lets you tap into the equity of your commercial property. By doing so, you can access cash for business needs like renovations or expansion. Typically, you can borrow up to 75% of your property’s appraised value, but several factors come into play, including your creditworthiness and the property’s assessment. Comprehending how this loan works can help you make informed decisions about funding your business. What are the specific benefits and requirements involved? Key Takeaways A commercial equity loan allows businesses to leverage property equity for cash, typically up to 75% of the appraised value. The loan is secured by the commercial property, requiring a minimum credit score of 650 and a 20% down payment. Lenders evaluate risk through property value, business financials, and creditworthiness during the approval process, which takes 30 to 60 days. Repayment terms can be fixed or variable, with lower interest rates compared to unsecured loans, aiding cash flow management. Proper documentation, including appraisals and financial statements, is essential for securing a commercial equity loan. Understanding Commercial Equity Loans When you consider a commercial equity loan, you’re fundamentally looking at a way to tap into the value your commercial property has built up over time. This type of financing allows you to access cash by leveraging that equity for various purposes, such as repairs, renovations, or new investments. Typically, banks and private lenders offer these loans, providing funding amounts that depend on their criteria and your property’s value, often with loan-to-value (LTV) ratios reaching up to 75%. To qualify for a commercial equity loan, you usually need a minimum credit score of 650, proof of income, and a down payment of at least 20%. Many commercial equity loans come with fixed rates, making your monthly payments predictable. Nevertheless, it’s essential to understand the risks involved, including potential foreclosure if you miss payments and how fluctuations in property value can impact your loan terms. How Commercial Equity Loans Work Comprehending how commercial equity loans work is vital for business owners looking to leverage their property’s value. These loans enable you to access the equity built in your commercial property, providing cash for repairs, renovations, or new investments. To qualify, lenders typically require a minimum credit score of 650 and a down payment of at least 20% of the property’s value. The amount you can borrow typically depends on the loan-to-value (LTV) ratio, which may allow you to secure up to 75% of the appraised property value, minus any existing liens. Lenders assess risk by evaluating factors like the property’s value, your creditworthiness, and your business financials, including tax returns and financial statements. Finally, repayment terms and interest rates can vary considerably based on the lender’s criteria and your overall financial health, so it’s imperative to review multiple options before proceeding. Benefits of Commercial Equity Loans When you consider a commercial equity loan, you reveal the potential for significant access to capital by leveraging the equity in your property. This type of financing not just offers flexible funding solutions customized to your specific needs but additionally comes with lower interest rates compared to other loan options. With these advantages, you can effectively manage your cash flow and invest in growth opportunities without sacrificing ownership. Access to Capital Accessing capital through commercial equity loans can be a strategic move for business owners looking to fund various initiatives or manage operational costs. By leveraging the equity built in your commercial property, you can access a lump sum of cash, often up to 75% of the property’s appraised value. This substantial capital can be utilized for repairs, renovations, or even purchasing new investment properties. Significantly, you don’t need an extensive credit history or high personal credit score to qualify. With competitive fixed rates typically ranging from 4.30% to 5.00%, these loans can help you minimize reliance on high-interest unsecured loans or credit cards, ultimately enhancing your cash flow and reducing overall borrowing costs. Flexible Funding Solutions Leveraging the equity in your commercial property opens up a variety of flexible funding solutions that can greatly benefit your business. Commercial equity loans allow you to access up to 75% of your property’s equity, providing a lump sum for repairs, renovations, or new investments. These loans are particularly advantageous for business owners needing funds for bills, expansion, or capital improvements. Furthermore, with competitive interest rates and adaptable repayment terms, you can customize the loan to fit your financial situation. By using your property as collateral, you can secure funding during the process of potentially improving your cash flow management. Benefit Description Access to Funds Obtain cash for various business needs Custom Repayment Customize terms based on your financial situation Lower-Cost Financing Often cheaper than unsecured loans Improved Cash Flow Management Minimize debt obligations while securing funding Equity Utilization Leverage built equity for growth and expansion Lower Interest Rates Even though many business owners seek financing options, commercial equity loans stand out due to their lower interest rates compared to unsecured loans. Typically ranging from 4.30% to 5.00%, these rates make them an appealing choice for financing projects at a reduced cost. By leveraging the equity in your commercial property, you can secure financing at rates that are usually more favorable than personal loans or credit cards. As these loans are asset-based, lenders offer better terms, reflecting the reduced risk of collateralized loans. You can access up to 75% loan-to-value (LTV) on commercial properties, allowing significant equity use during competitive interest rates. In the end, lower rates can lead to substantial savings for your business. Types of Commercial Properties Eligible for Equity Loans When considering a commercial equity loan, you’ll find several types of properties eligible for financing. Office spaces, retail stores, and industrial facilities often meet the criteria, as lenders evaluate their market value and equity position. Comprehending the specific requirements for each property type can help you determine the best funding options available. Office Properties Eligibility Criteria Office properties can qualify for commercial equity loans, provided they meet specific eligibility criteria. To maximize your chances of approval, consider the following factors: Property Value: Your office property should be valued up to $5 million to be eligible for these loans. Loan-to-Value Ratio: Lenders typically allow a maximum loan-to-value (LTV) ratio of up to 75%, based on your property’s market value and existing liens. Occupancy and Income: The property’s occupancy rate and income generation potential play a crucial role in determining eligibility. Documentation: You must demonstrate financial stability by providing documentation, including income proof and business financial statements. Focusing on these criteria can improve your likelihood of securing a commercial equity loan for your office property. Retail Spaces Funding Options Are you considering how to finance your retail space? Retail properties, including shopping centers and standalone stores, often qualify for commercial equity loans. These loans can provide up to 75% loan-to-value (LTV), allowing you to access substantial cash based on your property’s appraised value. To secure a loan, you typically need a credit score of at least 650, along with proof of income and other financial documents. Lenders will conduct a thorough appraisal to determine your property’s market value and the equity available for borrowing. The funds you acquire can be used for various purposes, such as renovations, purchasing inventory, or broadening your business, finally enhancing your operational capabilities. Industrial Properties Considerations Industrial properties play a crucial role in the commercial real estate market, and comprehending their financing options can help you make informed decisions. If you’re considering a commercial equity loan for industrial properties, keep these points in mind: Property Types: Eligible properties include warehouses, distribution centers, and production facilities. Value Limits: Properties valued up to $5 million typically qualify, allowing access to significant equity. LTV Ratio: The loan-to-value ratio can reach up to 75%, providing substantial funds based on your property’s equity. Documentation: Proper documentation, including appraisals and financial statements, is vital for evaluating value and suitability. Understanding these aspects can guide you in leveraging your industrial property for financing needs. Requirements for Obtaining a Commercial Equity Loan When considering a commercial equity loan, you’ll need to meet several key requirements that demonstrate your financial stability and ability to repay the borrowed amount. First, most lenders require a minimum credit score of 650, as this reflects your creditworthiness. You’ll furthermore need to provide proof of income and financial stability, showcasing your capacity to handle repayments. Typically, a down payment of at least 20% of the property’s value is expected, reducing the lender’s risk. In addition, you may have to submit further documentation, including business plans, financial statements, and tax returns, to help assess your financial situation and the property’s worth. Loan amounts and terms are primarily determined by the property’s assessed value, with lenders often allowing up to 75% loan-to-value (LTV). Meeting these requirements can help pave the way for securing a commercial equity loan that suits your needs. Risks Involved With Commercial Equity Loans Although commercial equity loans can provide valuable funding for your business, they come with several risks that you must consider. Comprehending these risks is essential for making informed financial decisions. Here are four key risks to keep in mind: Foreclosure Risk: Defaulting on payments can lead lenders to seize the property used as collateral, putting your business at risk. Property Value Fluctuation: A decrease in property value can affect your loan terms and make refinancing or selling the property more challenging without incurring losses. High Costs: Poorly structured loans may result in higher interest rates or additional fees, increasing your overall borrowing costs. Market Conditions: Fluctuating interest rates and economic downturns can make commercial equity loans less predictable, adding another layer of risk to your financial strategy. Being aware of these risks can help you navigate your financing options more wisely. Commercial Equity Loans vs. Commercial Equity Lines of Credit Comprehending the differences between commercial equity loans and commercial equity lines of credit (CELOC) is important for making informed financial choices for your business. A commercial equity loan provides a one-time lump sum of cash, whereas a CELOC offers a revolving line of credit from which you can draw funds as needed during a set period. Both options typically allow borrowing up to 75% of the property’s loan-to-value ratio, providing substantial access to equity. CELOCs are often more cost-effective, as you only incur interest on the amount drawn, unlike commercial equity loans, which require repayment of the full borrowed amount. Furthermore, CELOCs offer flexibility for cash flow needs or emergencies without needing to reapply, in contrast to commercial equity loans that come with fixed terms and repayment schedules. Finally, CELOCs may require a personal credit score of 600 or higher, whereas commercial equity loans typically demand a minimum score of 650. CMBS Cash-Out Refinancing for Larger Properties If you’re a property owner with commercial real estate valued at $2 million or more, CMBS cash-out refinancing could be a strategic option for accessing equity during managing existing debts. This refinancing method enables you to tap into your property’s value, allowing for potential growth or improvements. Here are some key benefits of CMBS cash-out refinancing: Loan-to-Value (LTV): You can access up to 75% of your property’s value. Asset-Based Loans: These loans typically have less stringent financial requirements than traditional options. Fixed Rates: Competitive interest rates usually range from 4.30% to 5.00%. Funding Opportunities: It’s particularly useful for financing renovations, expansions, or other investments during handling existing obligations. Application Process for Commercial Equity Loans When you’re ready to apply for a commercial equity loan, you’ll need to gather several important documents, such as proof of income and financial statements. Expect the approval timeline to vary, often taking several weeks depending on the lender’s review process and your financial situation. Comprehending these requirements can help you navigate the application process more smoothly. Required Documentation Overview Applying for a commercial equity loan requires careful preparation of various documents that demonstrate your financial stability and repayment ability. To streamline your application process, you’ll need to gather the following key items: Proof of Income: Recent pay stubs or business financial statements showing your earning capacity. Credit Score: A minimum credit score of 650 is typically required to assess your creditworthiness. Down Payment: Be prepared to make a down payment of at least 20% of the property value. Additional Documentation: This may include business plans, tax returns, and other financial documents that provide insight into your overall financial health. Having these documents ready can help facilitate a smoother application experience. Approval Timeline Expectations Grasping the approval timeline for commercial equity loans is crucial for effective financial planning, as it typically ranges from 30 to 60 days. This timeline varies based on the lender and the complexity of your application. To speed up the process, make sure you gather all required documents, such as proof of income, business plans, and tax returns, before applying. Lenders will also conduct an appraisal to determine your property’s market value, which can add time. Furthermore, a minimum credit score of 650 is usually required, so check your credit history beforehand. By staying organized and ready, you can help facilitate a smoother approval process and potentially shorten the time it takes to secure your loan. Interest Rates and Loan Terms Interest rates and loan terms are crucial factors to take into consideration when exploring commercial equity loans. Typically, interest rates range from 4.30% to 5.00%, influenced by the lender and your creditworthiness. Loan terms can vary widely, commonly lasting between 5 to 20 years. Here are some key points to reflect on: Most lenders require a minimum down payment of at least 20% of the property’s value. The loan-to-value (LTV) ratio typically permits borrowing up to 75% of the property’s appraised value. You may encounter variable interest rates, which can affect your overall borrowing costs as market conditions change. Grasping these rates and terms can help you make informed decisions about your financing options. Managing Your Commercial Equity Loan Managing a commercial equity loan effectively is essential for maintaining your financial stability and protecting your investment. Regularly monitor your cash flow to guarantee timely payments; failure to meet obligations could lead to foreclosure on your property. Understand your loan terms, including interest rates and repayment schedules, to avoid unexpected costs. Consider setting aside a reserve fund for potential cash flow fluctuations or unexpected expenses. Maintaining a strong credit score, ideally above 650, can improve your chances of refinancing or obtaining additional funding in the future. Regular communication with your lender can provide insights into any changes in loan terms and may open up opportunities for adjustments or additional financing. Key Management Tips Description Monitor Cash Flow Guarantee timely payments to avoid default. Understand Loan Terms Familiarize yourself with interest rates and fees. Maintain Reserve Fund Prepare for fluctuations in cash flow. Communicate with Lender Stay informed about potential adjustments. Finding the Right Lender for Your Equity Loan How do you find the right lender for your commercial equity loan? Start by considering Bank of America and private lenders that specialize in commercial financing, as they typically offer customized products for different business needs. To guarantee you get the best deal, compare loan terms, interest rates, and fees from multiple lenders. Many offer competitive fixed-rate loans between 4.30% and 5.00%. Here are some key factors to look for: Lender Requirements: Check their minimum credit score and income proof requirements, often around a score of 650. Flexibility: Seek lenders that allow for various loan amounts and repayment structures, with some permitting up to 75% LTV. Comparative Tools: Use online platforms like Swoop to streamline your search. Customer Service: Evaluate the lender’s support and responsiveness during the application process. Frequently Asked Questions How Does a Commercial Equity Loan Work? A commercial equity loan works by allowing you to borrow against the equity in your commercial property. Lenders typically offer up to 75% of your property’s appraised value. To qualify, you’ll need a minimum credit score of 650, along with proof of income and financial statements. You usually must make a down payment of at least 20%. How Much Would a $50,000 Home Equity Loan Cost per Month? If you take out a $50,000 home equity loan at an average interest rate of 4.5% over 15 years, your monthly payment will be about $379. Keep in mind that interest rates can vary, affecting your payment. Furthermore, you’ll need to take into account other costs, such as appraisal fees or closing costs, which can increase the overall expense. It’s essential to factor in these details when evaluating your loan options. Do You Have to Put 20% Down on a Commercial Loan? You typically need to put down at least 20% on a commercial loan, but this can vary. Some lenders might accept a lower down payment, especially for owner-occupied properties or those considered low risk, sometimes as low as 10%. Factors like your creditworthiness and the property type likewise influence the required down payment. It’s essential to consult with lenders to understand specific requirements for your situation and to improve your chances of loan approval. How Much Equity Can You Pull Out of a Commercial Property? You can typically pull out up to 75% of the equity in a commercial property, depending on its value and existing mortgage. For instance, if your property is valued at $1,000,000 with a $600,000 mortgage, the available equity is $400,000, allowing you access to about $300,000 in cash. Nevertheless, factors like your creditworthiness, income, and financial health can likewise influence the exact amount you can withdraw. Conclusion In conclusion, a commercial equity loan can be a valuable tool for businesses looking to access cash by leveraging their property’s equity. Comprehending how these loans work, the benefits they offer, and the requirements for obtaining one can help you make informed decisions. By carefully evaluating your options and finding the right lender, you can secure financing that supports your business goals during effectively managing repayment terms. Consider this option if you’re seeking funds for expansion or renovations. Image via Google Gemini This article, "What Is a Commercial Equity Loan and How Does It Work?" was first published on Small Business Trends View the full article

Not to be outdone by the likes of Samsung and TLC, Amazon is joining the picture frame TV space. At CES 2026, the company announced a new line of unobtrusive smart TVs, complete with a new brand name and a redesigned FireTV OS, which will also show up on other FireTV devices. Meet the Ember Artline TV series Credit: Amazon Amazon is calling its new line of art TVs "Ember Artline." They will ship in two sizes, 55 inches and 65 inches, with pricing starting at $899 for the base model—some $200 cheaper than the list price of Samsung's Frame TVs (though those models are regularly discounted on Amazon). The panels will offer 4K QLED screens with 450 nits of brightness. Because it's an art TV, there is a matte screen coating to reduce glare and make it look less like a standard TV. They also feature Dolby Vision, HDR10+, and Wi-Fi 6. Design-wise, they're incredibly thin, around 1.5 inches thick. Amazon's big selling point here is the Ember Artline offers 10 different frame options, all of which snap on the TV with magnets. You can choose between textures and colors like Walnut, Ash, Teak, Black Oak, Matte White, Midnight Blue, Fig, Pale Gold, Graphite, and Silver. In its art mode, the sets will cycle between 2,000 images of artworks, or your personal selection of photos. "Omnisense technology" will allow the display to turn on when anyone walks in the room, and turns off when they walk out, saving energy. And of course, this wouldn't be a CES 2026 product announcement without a bit of AI. Amazon is integrating Alexa+ into the FireTV OS on these sets, including an AI feature that will show art pieces on TV that match the decor and room that you're in (after you upload four photos taken from different angles). With an Amazon Photos connection, you can also ask Alexa+ to create slideshows from specific vacations, days, or events. The Ember Artline lineup will start shipping sometime in spring, starting in the U.S., Canada, Germany, and the U.K. There's also a redesigned FireTV interface Credit: Amazon Along with the new art TVs, Amazon also showed off a redesigned FireTV interface—and it looks quite a bit like Google TV. That's not a bad thing from my point-of-view; one of my biggest issues with the FireTV OS is its slow and inconsistent home page. A refresh with better organization will certainly help, and visually, it looks a lot cleaner, with rounded corners, consistent typography, and much better spacing between elements. The home screen now has tabs above to quickly switch to movies, TV show, live games, and more. You can also press and hold the Home button to open a Control Center like menu, again similar to Google TV. You will also be able to pin more apps to the home screen. Previously you were limited to six large apps. The refreshed interface has space for up to 20 apps of your choosing. The refresh will begin rolling out next month in the U.S. to the Fire TV Stick 4K Plus, Fire TV Stick 4K Max 2nd Gen, and Fire TV Omni Mini-LED Series, and will be followed by more countries down the line. It will be available on the Ember TV series at launch. View the full article

Prime minister urges cabinet to focus on issues that matter to voters in start-of-year meetingView the full article

It’s not just XRP that is having a good 2026 so far. One of the world’s oldest assets, gold, is also having a good run in the first week of the year. Here’s where the precious metal stands, and why its price is rising. An ounce of gold is close to its all-time high The price of one ounce of gold reached $4,497.20 on Tuesday, according to data from Yahoo Finance. That price represents a 1% gain for the precious metal for the day so far, or an increase of $45.70 per ounce. At over $4,497, gold is now near its all-time high of $4,549.74, which it reached just weeks ago on December 26. Since the year began, gold has now risen about 2.8%. As Reuters notes, 2025 was a phenomenal year for gold. The precious metal rose 64% in the year—a gain of that magnitude has not been seen since 1979. Why is gold rising? That gold is up again near an all-time high is of little surprise given the investment history of the metal. Gold has traditionally been a “safe-haven” asset—a resource people turn to when there is volatility or uncertainty in the markets or the world. And 2026 has kicked off with a high level of geopolitical volatility and uncertainty thanks to America’s attack on Venezuela over the weekend to forcibly extradite its president, Nicolás Maduro. The U.S government has indicted Maduro on a number of charges, including drug trafficking. The foreign intervention from the United States has left governments around the world uncertain about America’s next steps under President The President’s leadership. The forcible extradition of a sitting head of state—and apparent threats to use force against more countries—have many wondering if America may be on the cusp of a new doctrine that prioritizes military might over international rules-based norms. Such a shift in policy would have wide geopolitical and economic ramifications, and the uncertainty about how far the The President administration is willing to go down this new path has sent many investors seeking relatively safe-haven assets like gold, which generally fluctuates less in times of uncertainty than other assets, such as stocks. Venezuela isn’t the only reason gold is up Yet America’s strike on its South American neighbor isn’t the only reason gold is rising. Several economic factors are also driving people to the safe-haven asset, Reuters points out. Those factors include U.S. manufacturing activity contracting more than expected in December and the chance America’s jobless rate could increase in the near future. Both those factors can have negative consequences for the broader economy and signal a potential economic downturn. Safe-haven assets are a way for investors to hedge against such downturns. Other precious metals up, too Gold isn’t the only precious metal rising. The price of platinum is currently up more than 5% today to $2,404. Silver is also up significantly, rising by more than 4.6% today as of the time of this writing. The metal had a somewhat volatile December, rising and then falling at various points throughout the month. But it’s up more than 161% over the last year. Interestingly, all this comes as traditional stock markets also continue to perform well. The S&P 500, Dow Jones, and Nasdaq Composite are all in positive territory for the week so far and close to record highs. View the full article

Some investors reduce positions or buy protection for their portfolios amid concerns over valuationsView the full article

While the Lego Group has dipped its toes into tech waters before, the company hasn’t strayed far from its analog roots. But on Monday, the 94-year-old company unveiled a new product line that embraces the digital age, without abandoning its core business. At CES, Lego announced the upcoming launch of the Lego Smart Play system, an interactive technology that lets users’ Lego creations respond to player actions with tailored sounds, lights, behavior, and more. The company says it’s a way to further engage digital native kids without having them stare at yet another screen. While the toy market has struggled for the past few years, sales at the Lego Group have remained strong; 2024 was a record year, with revenues of $10.8 billion, and the first half of 2025 showed further growth. But the competition for kids’ attention continues to grow. Through Smart Play, the company hopes to keep younger Lego enthusiasts engaged. “Everything that we do is driven with an appetite for innovation,” says Julia Goldin, chief product and marketing officer of the Lego Group. “It took a long time to craft the technology that would enable us to do it in a way that’s also lesson-based.” The first three products, launching March 1, will be Star Wars-themed: Luke Skywalker’s 548-piece X-Wing ($100), Darth Vader’s TIE Fighter (743 pieces, $69), and a 962-piece set that includes the Emperor’s Throne Room and an A-Wing for $160. Lego showcased the technology in demos at CES, showing how Smart Play could work in a number of scenarios. When a Lego minifigure “robber” tried to steal a police car, for instance, an alarm sounded, but when the police minifigure sat in the driver’s seat, it triggered a siren. Lego ducks quacked. And car wheels squealed when players took sharp turns with their Lego creations. Those were just tech demos and not something Lego plans to release. The Star Wars sets will mark the debut of Lego Smart Play at retail. Like the demos, though, the X-Wing and TIE Fighter make the same sounds fans know from the big screen as players pretend to fly them through the air. Crash the X-Wing (or turn it upside down) and R2-D2 will scream in terror. Lego will begin taking preorders on Jan. 9 through its website and retail stores. (Other retailers will as well.) And while the initial focus is on kids, Goldin says, based on early feedback, she’s confident the technology will find its way to larger Lego kits tailored to adults. A long time coming Work on Lego Smart Play started eight years ago, with more than six years of technological development. The result is a system that incorporates three interactive elements: Lego Smart Tags, Lego Smart Bricks, and Lego Smart Minifigures. Those three elements work in tandem. Smart tags—flat-topped two-by-two pieces that sit atop the Smart Bricks—control the sounds, lights, and behaviors that are performed. And multiple smart tags can interact with each other, making for a more complex (and interactive) experience. The Smart Brick itself is loaded with sensors, accelerometers, a mini speaker, and more—and powered by a newly created silicon ASIC chip that’s smaller than one standard Lego stud. Smart Minifigures, meanwhile, have their own personalities, with programmed moods and reactions that are heard through the Smart Brick’s speaker. The Smart Brick reacts differently depending on how it’s moved, twisted, and turned. And because it has a synthesizer embedded, it can create any sound the programmers want, versus a limited set. In total, Lego has filed 25 patents for the new technology, and the company says at its peak, the production line for the Smart Brick was as long as seven school buses. Some of the interactive elements almost didn’t happen. Lego spent years developing the positioning system that lets Smart Bricks know precisely how close they are to other Smart Bricks, Smart Tags, and Smart Minifigures and react appropriately. Deadlines came and went. Finally, just as executives decided to scrap the concept, the team tweaked the system one last time—and managed to get it working One of the key factors in designing and building the new type of Lego brick, says Lego Group senior vice president and head of Creative Play Lab Tom Donaldson, was to create something that would have the same longevity as the classic bricks (which were introduced in 1958). “We want to [build] a platform that lasts for a period of time,” he says. “If you have a Lego brick from this year, it works with a Lego brick from 10 or 30 years ago. We spent a lot of time thinking ‘how do we build a system that lasts rather than a system that you have to upgrade?’ We don’t expect consumers will have to replace their bricks every two years. We want them to keep the same bricks—and that brings a lot of challenges.” That doesn’t mean the technology won’t improve. Donaldson says the company will push software upgrades in years to come, rather than update the hardware, giving players new abilities without having to invest in new technology. The Lego Smart Bricks will come with a wireless charger. Battery life will vary depending on how “hard” users play with the bricks. Times can range from roughly 40 minutes to a couple of hours, says Soren Holme, a design director at Lego. They can interact with each other from as far as 23 feet away in open spaces, he adds. And to ensure the Smart Bricks can be played with for years, they hold their charge in a coil, much like an electric toothbrush. That not only makes them easier to charge wirelessly, it ensures a longer lifespan. The new bricks are loaded with all manner of tech, but what you won’t find included is artificial intelligence. While so many other products at CES are hopping on board the AI bandwagon, Lego decided to abstain with its new product—for now, at least. “When we first started, we expected to bring in AI at some point, but it wasn’t the first thing to bring in,” says Donaldson. “At the moment, we think we have some tremendous opportunities that don’t require AI and that’s where we really want to focus today.” “Should we see an opportunity where AI can play a role, it’s possible to integrate and evolve it in the future,” adds Goldin. “But we wanted to design an experience the consumers would really love—and we didn’t think we needed AI for that experience.” View the full article