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Experts explain how vintage hardware can transform your space.
Real estate is a popular investment opportunity — and for good reason. The housing market has seen an average return on investment (ROI) of 5.4% over the past 30 years, but the most successful real estate investors can earn extremely high ROIs.

But many factors can affect your actual ROI. This includes the property type, location, rental market conditions, your financing needs and overhead costs. With so many things to consider, it’s not always easy to find the right investment opportunity.

If you’re thinking about investing in real estate, it’s important to do your research and know what makes a property a great investment opportunity. Here are the top signs of such an opportunity, according to seasoned real estate investors Itay Simchi and Mark Poole.

Mortgage rates have fallen quite a bit since the late-2023 peak. According to the latest data from the Mortgage Bankers Association, the average interest rate on a 30-year fixed-rate mortgage is now 6.29%.

However, with the Federal Reserve widely expected to gradually cut the federal funds rate through at least the end of 2025, there’s a solid probability that prospective home buyers will get a chance to buy with even lower mortgage rates in the near future.



Nobody can predict with any degree of certainty what mortgage rates will be at any point in the future. However, we can look at future interest rate expectations and historical mortgage rate trends to take an educated guess -- so let’s do that.



By: Matt Frankel, CFP®
Kitchen islands get a lot of action: meal prep and eating, catch-ups with friends over coffee, work and study, and plates and bowls of food during family-style celebrations.

In order for those activities to go smoothly, safely, and comfortably, the right lighting is crucial – imagine being unable to see clearly when you’re wielding a sharp knife. YIKES my friend :)

A great solution for your island is kitchen pendant lights. They should be designed to prioritize functionality that suits your lifestyle, in addition to suiting your design-style *wink*.

And we get that friend, we understand how to create lighting solutions tailored to your individual needs and routines.

If that sounds like something you’ve been craving for this high-traffic area in your home, keep reading..

Think beyond new patio furniture.

By Ashlyn Needham
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