Last year saw a huge increase in home sales due to the pandemic and low mortgage rates. While 2021 is predicted to be another busy year in the housing market, there are some challenges ahead for home buyers as they face stiff competition and rising mortgage rates.

Mortgage rates increase, but still remain low.

Low mortgage rates have been a key factor in the rising number of home sales over the past year. While mortgages rates will remain low in 2021, they will begin to slowly increase. …


The Covid-19 pandemic represents one of the largest global threats in recent history. It has affected economies, housing, healthcare, and families around the world. As a novel illness, its long-term consequences are still being researched, and there is still so much about the disease we don’t understand. Perhaps the most astonishing aspect of the crisis was the swift development of vaccines for a new and little known global scourge. When humanity, or a society within humanity, focuses solely on attaining one goal, miraculous innovation can occur.

The development of the vaccine is akin to humanity’s earliest efforts in space exploration…


Daily self-care is a habitual process we all agree is vital for others to engage with, but sometimes struggle to make the time to commit to ourselves. Self-care requires time, attention, and energy, and more often than not, many strong leaders tend to focus their attention on others’ needs before even considering their own needs. This is doubly true for those in the non-profit realm who are already immensely inclined toward philanthropic good and putting others’ needs before the needs of self. Still, in order to be an effective leader, you first have to make sure you’re taking care of…


There are many ways to borrow money that each have their own pros and cons. The majority of loans require some sort of evidence that you have the capacity to pay back the initial investment. Traditional lenders operate by this system, and the process of obtaining a loan from a traditional lender can be tedious and time-consuming. Further traditional lenders tend to make safer loans and are looking for a specific clientele with a good credit score, an income, and a history of borrowing and paying off cash. …

Nicholas Kahrilas

Nicholas Kahrilas, based in Los Angeles, is an active community leader and the President of Platinum Legacy. Learn more @ https://nicholaskahrilas.net.

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