I've been struggling with the home buying process lately, especially with soaring housing prices. When I stumbled upon the concept of piggyback loans, it seemed like a potential lifeline for someone like me who doesn't have that hefty 20% down payment saved up.
Essentially, a piggyback loan is a financing strategy where you take two mortgages simultaneously to purchase a single property. Rather than putting down the full 20%, you can take out a primary mortgage for 80% of the home's value, a second loan (the "piggyback") for 10%, and then only need to come up with the remaining 10% in cash.
Fo

HOPE Therapeutics just snagged Dura Medical. Florida's about to see some changes 🌴. They're eyeing Neurospa TMS and Cohen and Associates too. Eight locations in the Sunshine State? Not bad.
Dura Medical's been around since 2018. Naples and Ft. Myers. They're into some fancy stuff for depression and pain. Ketamine infusions, magnetic brain zaps, you name it 🧠💊.
Veterans get special treatment here. It's kind of a big deal, given the suicide rates.
Stephen Durand's now running the Florida show for HOPE. Army vet. Ambitious guy. Wants to help 10,000 patients by 2026. Seems like a stretch, but w

The Bitter Reality of Cocoa's Price Plunge
Cocoa futures have finally stabilized after Thursday's alarming 3.52% nosedive, with December NY cocoa closing up a modest 0.97% on Friday. But don't be fooled by this temporary reprieve - the market remains in a precarious position as prices continue their downward spiral from recent highs.
I've watched cocoa prices collapse over the past three weeks, primarily driven by demand concerns that show no signs of abating. The truth is that sky-high cocoa prices are crushing chocolate manufacturers, forcing major players like Lindt & Sprüngli to lower marg

December ICE NY cocoa futures experienced a significant drop of -3.15%, while December ICE London cocoa #7 futures declined by -2.10%, reaching 1.5-month lows. This downturn in cocoa prices is primarily attributed to expectations of growing supplies amid softening demand.
The cocoa market has been under strain over the past month due to concerns that elevated prices and tariffs could potentially dampen chocolate consumption. Major industry players have already felt the impact, with Lindt & Sprüngli AG adjusting its margin guidance downward in July following a larger-than-anticipated decline in

The Thai stock market's winning streak might hit a roadblock today after two consecutive sessions of gains that added roughly 1% to the Stock Exchange of Thailand (SET). Currently hovering just below the 1,250-point plateau, the market faces headwinds from global concerns.
I've been watching this rally with interest, but honestly, I'm not surprised it's about to stall. Asian markets are feeling the pressure from renewed uncertainty around U.S. tariff policies - something that always sends ripples through emerging markets like Thailand.
Yesterday's modest gains across food, finance, industrial,