Home Improvement and Renovation Trends on the North Shore

Since the pandemic began, we’ve experienced many lifestyle changes. Ultimately these changes are reflected through home improvement and renovation trends. Check out some of the latest home improvement and renovation trends on the North Shore of Massachusetts, overall stemming from our ever-changing lifestyles. 

Office Space

In recent years, we have all seen an uptick in remote and hybrid work. With this came an increased need for in-home office spaces and this trend of dedicated workspace is set to continue as remote work is here to stay. Homeowners may build their own dedicated home office space to accommodate these working conditions when renovating homes in the future. Sheds and garages can even be built or converted into office space for those without a standard 9 to 5 desk job looking to work from home!

Home office renovations may also include revamping pre-existing workspaces with more comfortable furniture and functional features to support a remote work environment like more storage and organization options for cords, appliances, and supplies while working. 

Outdoor Living

By improving and renovating outdoor spaces, homeowners are maximizing their liveable space. Nicer weather brings on projects set to create outdoor space that is both comfortable and functional. This may include decks, patios, porches, and gardens. Outdoor kitchens and entertainment areas are also a popular trend – do you want to have a grill or maybe even an outdoor pizza oven? Are you going to be your own outdoor bartender while you and your friends watch movies on your new TV? There are so many options to customize your outdoor living spaces to your preferred lifestyle!

Open Floor Plans

Are open floor plans on their way out the door? Days during the pandemic included working, relaxing, and family-focused activities likely all in the same room. While the open floor plan provides openness for multitasking and connectivity, homeowners are beginning to realize the benefits of having separate spaces for all of life’s activities. New remodels including rooms allow privacy for remote work, school, and any virtual meetings. Additionally, individual rooms allow for more diverse design choices within your home. If you’re struggling to get this effect with a preexisting open floor plan, try separating your areas with bookshelves, screens, other decorative items, or even your furniture layout.

Energy Efficiency

We are likely to continue to see more energy efficiency in homes as owners attempt to cut energy costs. A new HVAC technology, called variable refrigerant flow systems (VRF systems), is on the rise. These systems are able to heat and cool different areas of a building simultaneously. They are highly versatile and offer more efficiency and zoning capabilities than traditional systems, leading to better comfort wherever they are used. The 2022 Inflation Reduction Act provides additional benefits to an eco-friendly home as it includes tax benefits for more sustainable home energy products, including the installation of solar panels.

Coastal Touches

Because the North Shore is full of coastal towns and communities, coastal touches tend to find their way into home design trends in the region. Whether they are in one room or sprinkled throughout the entire home, coastal color palettes, relaxed and comfortable materials, and New England-themed accents help create a peaceful environment that will never go out of style. 

Whether you are buying, selling, or renovating your home, you need the right resources. Over the last 20+ years as a realtor, I have worked with amazing individuals who will make the home improvement and renovation process as seamless as possible. Get access to my list of trusted partners here! If you are looking to buy or sell a home on the North Shore, contact me today.

Hidden Gems of the North Shore: Underrated Locations Worth Exploring in Gloucester
Hidden Gems of the North Shore: Underrated Locations Worth Exploring in Gloucester

Hidden Gems of the North Shore: Underrated Locations Worth Exploring in Gloucester

The North Shore of Massachusetts is a region full of character and history with an abundance of places to visit and explore. Recently, Gloucester was named one of the 15 best small towns in America by CNN and was the only New England city on the list. Let’s explore a few hidden gems and underrated locations worth exploring in Gloucester. 

Hammond Castle

The Hammond Castle Museum was the home and laboratory of John Hays Hammond Jr, a scientist, inventor, and antiques collector at the time. Now, the castle serves as a museum, cultural and arts center, and venue that welcomes guests daily. Stop by to tour the castle and explore its many rooms, exhibits, and beautiful coastal castle grounds! Reserving tickets in advance is encouraged.

Hammond Castle Museum is a 501(c)(3) non-profit organization and is listed on the National Register of Historic Places. Due to it being nearly a century old, Hammond Castle Museum is not handicap accessible. 

Dogtown (Dogtown Common or Dogtown Village)

Dogtown is an abandoned inland village of about five square miles on Cape Ann in Gloucester. In 1642, Dogtown was home to the Commons Settlement. With its availability of water, it was the most prosperous part of Gloucester for a century. The land, now known for its woods as well as its boulders and rock formations, is protected, and therefore development is banned in the area. Take a walk and explore the miles of trails and abandoned roads, but be cautious as most are unmarked. These paths are sprinkled with one of Dogtown’s most notable features: the three dozen Babson Boulders, which have inspiring sayings carved into them. See how many you can spot on your journey!

The area is dog-friendly and there is parking available. Learn more about the history of Dogtown here

Rocky Neck

Located on a rocky peninsula within the Gloucester harbor, Rocky Neck is one of the oldest continuously operating art colonies in the country. Artists who lived and worked on Rocky Neck in the 19th and early 20th centuries made an important contribution to art history by inspiring the Cape Ann style of American Impressionism. With shops, restaurants, galleries, and exhibitions radiating history and culture, there is always something to see or do on Rocky Neck. 

Ravenswood Park

Ravenswood Park is a nature reserve owned and managed by the Trustees of Reservations. Samuel Sawyer, a 19th-century businessman and philanthropist, purchased woodlots, old pastures, and swamp land near his home. Upon his death, he left 600 acres of land to be turned into Ravenswood Park. Guests can enjoy solitude and peaceful scenes with its woods, boulders, and miles of trails, some of which are dog-friendly. In the winter months, cross-country skiing is also welcome.

Stage Fort Park and Beach

Stage Fort Park is where Gloucester’s first settlers set up fishing stages in 1623. Now, it is home to two beaches, a sand volleyball court, a boardwalk, a playground, picnic areas, two baseball fields, a basketball court, a tennis court, and plenty of extra room, making it an incredible place for any of your weekend endeavors. During the summer season, the park hosts outdoor concerts, fireworks, festivals, farmers markets, and several other child and family-friendly events!

Dogs are allowed in the park, but not on the beaches. There is also a dog park located in the parking lot!

Gloucester has a variety of things to see and do, with abundant history behind them. You can check out more of their hidden gems and locations worth exploring here. If you are looking to buy or sell your home on the North Shore contact me today.

Benefits of Real Estate Investment
Benefits of Real Estate Investment

Benefits of Real Estate Investment

Owning property offers many advantages, both financially and personally. When done properly, investing in real estate can provide excellent returns and various financial advantages to build your overall wealth. Are you wondering if investing in real estate is right for you? In this blog, we will explore the numerous benefits of real estate investment.

Increased Cash Flow

Investing in real estate allows you to generate a cash flow, which is the amount of income a property produces after mortgage payments and other expenses have been paid. Over time, as you pay off your mortgage, you build equity, and your cash flow increases. The steady and reliable cash flow generated from property ownership can become passive income, which is one of the biggest benefits of a real estate investment. Use this recurring income to cover other mortgage payments, property expenses, or to save for another financial goal like a family vacation, a big event, or just a generally more financially secure future. 

If you’re interested in making an investment in real estate, talk to a real estate professional to work out the cash flows and ensure the investment property will be profitable for you. 

Tax Advantages and Deductions

When you invest in real estate, you have the opportunity to enjoy tax advantages and deductions. Reasonable costs of owning, operating, and managing your property are tax-deductible. These may include your mortgage payment, mortgage interest, depreciation, and the cost of running the business. Another perk is the 1031 exchange.  Be sure to talk to a financial professional to see which benefits apply to you. 

Diversification of Investments

Real estate investments offer the benefit of diversification within your investment portfolio. By diversifying your investments, you lower the risk of total loss. For example, rather than investing solely in stocks, try investing in property to have a greater return per unit of risk! In this case, if the stock market crashes you are still left with value in real estate. 

Your portfolio is included in your total assets, meaning as property values rise over time, your net worth increases. Real estate tends to appreciate over time, making it valuable to any investment portfolio and a meaningful contribution to your net worth.

Increased Long-Term Security

By owning property, you can provide yourself with a layer of security in case of emergency. You will always have a place to call home and a sense of stability without the risk of eviction or other sudden changes. Additionally, as previously mentioned, real estate has historically shown long-term appreciation. This increase in value can act as protection against inflation, making your property a valuable and tangible asset and a foundation for long-term security. Note that appreciation will vary by market. 

Autonomy and Fulfillment

Owning real estate gives you autonomy – you are your own boss and are in control of your property. You have the ability to do good things for the community with your property or the income from your investment. Consider hosting community events or donating to local charities to achieve a greater sense of fulfillment from your assets. A local realtor will be able to help you find and connect with organizations within your community that align with your values.

Are you looking to experience the benefits of real estate investment on the Massachusetts North Shore? Contact me today to begin your journey as a buyer or seller.

5 Waterfront Restaurants on the North Shore
5 Waterfront Restaurants on the North Shore

5 Waterfront Restaurants on the North Shore

As a coastal region, the Massachusetts North Shore is the perfect place for a scenic dining experience. There are so many phenomenal local waterfront restaurants to enjoy. Here are a few of my top picks!

Sea Level Oyster Bar

Sea Level Oyster Bar offers fine and fresh New England seafood, raw bar, cocktails, and mocktails with amazing views of the Salem waterfront. With indoor, outdoor, and bar seating, Sea Level has an option for everyone! Sea Level was the Northshore Magazine 2017 editors’ choice for both Al Fresco Dining and Dessert, so make sure to check them out. You can also try their sister restaurant in Newburyport

Tuscan Sea Grill & Bar

Located on the Newburyport waterfront overlooking the Merrimack River, Tuscan Sea Grill & Bar offers a coastal Italian-inspired menu featuring a wide variety of food with fresh ingredients. Some highlights include locally sourced seafood, raw bar, scratch-made pasta, and gelato! The restaurant has outdoor deck seating for warmer weather and is enclosed for the colder months. Additionally, guests can enjoy bar seating with cocktails and local craft beer. 

Mission on the Bay

If you like internationally-inspired cuisine, Mission on the Bay in Swampscott is a must-try. The dining room features two bars and a view of the Boston skyline with a menu full of New England favorites influenced by classic Brazilian and Asian cuisine. It features brunch, dinner, and cocktails! The Ocean Bar is their roof deck, featuring a bar menu, amazing views, and fresh salt air. Get out to enjoy a classic New England escape!

1606 Restaurant & Oyster Bar

Next up is 1606 Restaurant and Oyster Bar, located on the lobby level of the Beauport Hotel in Gloucester. Enjoy delicious Modern American cuisine prepared with fresh local ingredients in a relaxed upscale atmosphere. 

Executive Chef Jon Mckechnie is Gloucester born and raised and plays with different flavors to pay homage to America’s oldest seaport. With various culinary initiatives and an innovative raw bar program, the restaurant puts a fresh twist on traditional cuisine. Check out their daily specials:

  • Sunday: Pasta Night
  • Monday: Pizza and Brew Night
  • Tuesday: Oyster Night
  • Wednesday: Ramen Night
  • Thursday: Wine Pairing Night

The Landing

The Landing is located on the historic and picturesque Marblehead Harbor. While the restaurant has been serving fresh, local foods since 1972, they have recently introduced a new culinary team. The menu features fresh, local seafood and globally inspired cuisine, including multiple gluten and dairy-free items! 

You can access the restaurant by land or sea and experience the beautiful views of the harbor from every table in the newly remodeled dining room or on the open-air deck. 

The North Shore is an amazing place to dine and an incredible place to live. If you’re looking to buy or sell a home on the North Shore, contact me today.

Trends in Spring Summer 2023 Market

As we enter the 2023 Spring and Summer real estate market, a few trends are noteworthy. The market has been hot over the past few years, and it looks like that trend is set to continue. Here are some of the key factors that are shaping the Massachusetts North Shore’s real estate market this season.

Inventory is Tight

One of the biggest challenges facing buyers on the North Shore right now is the lack of inventory. There simply aren’t enough homes on the market to meet the demand, driving up prices and creating a very competitive environment for buyers. Buyers will need to act quickly and be prepared to make aggressive offers if they want to secure their dream home.

Prices are Rising

Due to the limited inventory, home prices on the North Shore continue to rise. This is good news for sellers, as they are likely to receive multiple offers and potentially even sell their homes above the asking price. However, for buyers, this means that they may need to stretch their budgets or adjust their expectations to find a home within their price range.

Remote Work Continues to Impact the Market

The COVID-19 pandemic has fundamentally changed the way many people work, making remote work more prevalent than ever before. This has had a significant impact on the real estate market, as buyers are now looking for homes that can accommodate home offices and other remote work needs. Larger homes with dedicated office spaces or additional bedrooms that can be converted into a workspace have experienced stronger demand than ever. 

Summer Will Be Favorable for Rates

As inflation eases, so do mortgage rates. The April Consumer Price Index report indicated that while inflation rose by 0.4% from last month,  year-over-year inflation decreased from 5% to 4.9%. Based on data from the report, experts are predicting this is the beginning of a decline in rates. This summer could provide a bit of relief for homeowners, those planning to buy a home, and real estate professionals. 

Overall, the North Shore’s real estate market is expected to remain strong throughout the season with its high demand, and national rates seem to be trending in favor of homeowners. If you are looking to buy a home, it is essential to work with an experienced realtor who can help you navigate the competitive North Shore market. With a proper approach and patience, you can find your dream home this season. Contact me today to get started.

The Best Schools on the North Shore and How They Impact Home Values

As a Massachusetts realtor, one of the questions I am often asked is about the quality of schools in the area. It’s a valid concern for families looking to buy a home, as the quality of education can have a significant impact on a child’s future. The reputation of schools in an area can also affect home values. 

The North Shore is home to some of the best schools in New England, with many district schools being top-rated and consistently ranked as some of the best in the state. Here are a few North Shore school districts that stand out:

  • Manchester Essex Regional School District: This district includes two schools, one for elementary and one for middle/high school. It is known for its strong academic programs and students consistently performing above the state average on standardized tests. 
  • Masconomet Regional School District: This regional district educates students in grades 7-12 from the towns of Boxford, Middleton, and Topsfield and is known for strong music and arts programs. Elementary-aged students attend each of the three towns’ elementary schools.
  • Marblehead Public Schools: These schools are known for their rigorous academic programs and high graduation rates. There are three elementary schools, one middle school, and one high school.
  • Hamilton-Wenham Regional School District: This district serves the towns of Hamilton and Wenham. It includes three elementary schools, one middle school, and one high school. 
  • Lynnfield Public Schools: The Lynnfield Public School system is known for its excellent academic programs and high graduation rates. The district includes one high school, one middle school, two elementary schools, and a preschool.

Now that we’ve pointed out some of the best schools on the North Shore, let’s talk about how they impact home values. 

Homes located in areas with highly-rated schools tend to have higher property values than those in areas with lower-rated schools. This is because families want their children to have access to quality education and are willing to pay a premium for homes in areas with good schools to do so.

Additionally, homes located in areas with good schools tend to sell faster than those in areas with lower-rated schools. Families with school-aged children are often looking to move during the summer months to ensure that their children are settled in their new schools before the start of the academic year.
In conclusion, the quality of schools in an area will likely have a significant impact on home values. The North Shore’s highly-ranked schools make it an attractive location for families looking to buy a home. If you are looking to buy or sell a home on the North Shore, contact me today.

Why a Market Assessment Matters

When you are ready to sell your home, you may be wondering what the magic number will be. What is the right listing price? How much could it possibly sell for? You want to make sure you aren’t overpricing your home because this could lead to your home being on the market longer, ultimately resulting in money left on the table. You also want to ensure you aren’t pricing your home too low, as you may make less of a profit and buyers may think there are underlying problems with your home. 

Similar questions may also stump buyers when they want to make an offer on a house. What would a competitive offer be on a particular home? You don’t want to bid too much because there is a risk that the home won’t appraise for such a high amount over asking. You also want to make sure that your offer stands out and that you have a fighting chance among the other bidders.

So, where do you start? 

I start with a real estate market analysis. A real estate market analysis, or a comparative market analysis, helps determine the market value of a property in the present market. This is done by analyzing the home in question and then comparing it to the current market value of other similar homes. 

How is a home evaluated?

When analyzing a home, the following characteristics should be evaluated:

  • Location and neighborhood
  • Construction age
  • Finished Size or square footage
  • Lot size
  • Number of bedrooms and bathrooms
  • Kitchen
  • Bonus rooms
  • Amenities and features
  • Proximity to local amenities
  • Recent or notable improvements

The amount of livable space in a home is one of the most important factors to consider when determining its market value—the more beds and baths a home has, the more it is worth.

What exactly is a “comparable property”?

Characteristics of comparable properties should match the property in question as closely as possible (e.g. same number of bedrooms and bathrooms, similar size, in the same neighborhood or community). 

Sellers: How can you increase your home’s value?

According to the Remodeling Impact Report by the National Association of Realtors and the National Association of the Remodeling Industry, the top five projects that added the most dollar value to a sale in 2022 were refinishing hardwood floors, installing new wood floors, upgrading insulation, converting a basement to a living area, and renovating closets.

Other improvements you can make are painting (exterior and interior), landscaping, and updating your exterior doors. You can also give your kitchen an updated look without breaking the bank—you can update your cabinets’ hardware, update your backsplash, and/or update your lighting and faucet. 

Buyers: What is most valuable to you?

When looking for a home, it’s important to make a list of features you can’t live without. Do you need office space? At least three bedrooms? Do you want a large yard?

Sometimes compromises may need to be made—perhaps you really wanted a patio, but the house that checks off all your other boxes doesn’t have one. It’s helpful to consider what can be added/changed, and what can’t be. For instance, the layout of a house isn’t an easy fix and would involve significant renovations. 

If you’re looking to buy or sell, I offer a free comparative market analysis. Along with determining a fair market price for the property, we also would discuss the market’s current direction, mortgage rates, your desired neighborhoods (if you’re buying), and comparable homes in the area. Contact me today to get started! (781) 690-3837 [email protected]

Spring Market Preparation

The housing market is starting to bloom right along with the cherry blossoms, and like cherry blossoms, we never know exactly how long it is until the next change. So, stop now—smell those flowers, attend those open houses, and get your home ready to sell. 

February’s data provided positive movement and signs of strength in the housing market, despite media headlines to the contrary. While interest rates had reached the 7% mark or higher, and despite increases by the Fed raising the Federal Funds Rate, mortgage rates have seen a decline to mid-6% levels and therefore have brought Buyers back into the market.  Because inventory shortages for the 1st couple months of 2023 have remained constant in many communities, as we enter the spring market, those levels have begun to rise from a record low and overall, however, supply is still much lower than in a balanced market.  Therefore, prices in some local markets continue to rise with multiple offer situations due to this increase in demand.  

If you’re looking to buy or sell, I offer a Free Home Valuation Evaluation for those considering a sale. Such analysis will look at your home to determine a fair market price in the present market. We also discuss the market direction, where you might be with a mortgage rate, such neighborhoods you’re interested in, and comparable homes in your area. Likewise, I can do a similar evaluation for Buyers looking to enter the market.

Why buy/sell now?

Inventory is increasing and competition is fierce. Although you won’t be seeing bids like we did during the pandemic, reaching 50-100k over asking, houses are still selling fast. Many of those who held out buying or selling last year due to inflation and increased mortgage rates are now ready to jump in. The market is impossible to 100% predict, so time is of the essence. 

For sellers, the good news is that house prices are still high. While inventory is improving, it is still relatively low, which is keeping those prices on the higher end. Also, houses continue to be in great demand, especially since rental costs have significantly increased. According to Apartment Advisor’s March market report for Massachusetts, the average rent price for a one-bedroom apartment was $2,450. This is up 11.4% from last spring. 

For buyers, remember that the market isn’t as aggressive as it was in 2021—asking for a home inspection isn’t a deal breaker and bids aren’t skyrocketing so far over asking that you’re suddenly in a new price bracket altogether. Buying a house feels more possible while breathing in this 2023 spring air. 

Sellers: How should you prepare?

It’s important to make your house stand out amongst the competition. When selling a car, you would clean and shine it, right? Your approach to selling your home should be the same. 

  • Bring in a stager – Home staging creates an inviting atmosphere that can make a huge impact. A stager brings out the best in your home by organizing, arranging, and decorating rooms. If you don’t want your entire home staged, you can opt to have specific rooms staged, which would still make a significant difference and help your home appeal to the maximum number of potential buyers.
  •  Increase your curb appeal – Do you have any overgrown bushes leaning against windows or vinyl siding? Is the pathway leading to your front steps uneven or cracked? Is your lawn in need of mowing? Invest in landscaping. First impressions matter—you want potential buyers to see a well-cared-for home before they even walk through the door.
  • Consider painting (both exterior and interior) – Painting the exterior and interior of your house gives a fresh and clean appearance, creates less work for the buyer when they move in, and makes the house feel newer. When thinking about painting, also consider the front door, the garage door, fence, and deck. Check for peeling or faded paint and signs of age. 

Buyers: How should you prepare?

  • Know your budget and get pre-approved Get pre-approved by a local mortgage lender or a mortgage broker, which will demonstrate that you are a serious, credit-worthy home buyer. 
  • Make a short list of your wants and needs – Keep in mind what can and cannot be changed. Some important things to consider about a house are layout, size, and number of bedrooms. Be prepared to make some sacrifices but also hold on to the factors that are most important. You should feel confident in your bid and potential commitment. 
  • Remember that location is key – Are you looking for a quiet side street? Does it bother you if you’ll hear traffic/trains going by, or baseball games from a nearby park? Do you need to be near the highway for an easier commute? Before looking at a house, consider the location. That’s something you can’t paint, renovate, or hire a contractor to fix.

It’s important to find a realtor who has ample experience, extensive knowledge about the area you are buying or selling in, and many positive reviews. Selling or buying a home can be overwhelming, but when you have the right realtor by your side, the process feels less daunting. If you’re looking to buy or sell in the North Shore of Massachusetts, I would love the opportunity to work with you—contact me today!

Why I Became a Realtor

Tom Beauregard recently sat down with Cara Chatellier of Bubbly Creative to talk more about his life story and passion for real estate. Read the interview here.

Why did you become a realtor?

Well, gosh, that’s a funny question. It’s like, what’s it like being a doctor? What’s it like being a lawyer? From my standpoint, I grew up in a family business and customer service was always paramount since we were a mom-and-pop operation. 

Real estate always fascinated me. I probably should have been an architect because I like the structural content of how homes are built. I also grew up in a lumber business that sold building materials business in New Hampshire. So it always intrigued me.

In real estate, it is all about customer service. My job is to totally and completely work with a client to help them accomplish their real estate goals, whether it’s a first-time home buyer or an established home seller who’s bought and sold a number of different homes. 

Every day is completely rewarding because it’s different. Every transaction is different. Every client is different. Every home search criteria is different. 

I spend most of my day from a standpoint of project management, which is just making sure that I can get my client to the closing table.

Thinking about buying or selling a home on the Norse Shore? Contact me today  for a FREE market analysis of the value of your home or to learn about the current market. 

How World Crisis Might Affect Interest Rates

If you’re like me,  you’ve been glued to the news the past few weeks. Changes in the world at large can often cause changes at home. From rising gas prices, food costs, and now- fluctuating interest rates things can seem uncertain. Many may have been planning to buy or sell a home this year but have read scary headlines about the future of the market. However, read on to see what’s next for 2022 home interest rates, how to navigate the current market and why now might be your time to sell.

World Conflict Leads to Falling Rates

Since the conflict in Ukraine started, interest rates have started to decrease. But why? According to Mortgage Reports, When [world conflicts] happen, investors usually place more capital into safer assets – like bonds or mortgage-backed securities (MBS). This leads to declining mortgage rates and the length of the conflict in the Ukraine will determine how much downward pressure gets applied.” Over the past month, mortgage application volume was essentially flat, according to the Mortgage Bankers Association. However, Odeta Kushi, deputy chief economist at First American, believes this decline will be both “temporary and short-term” and buyers will be back in full force.


Rising and falling interest rates are nothing new. According to CNBC, “Interest rates tend to decrease in times of precarious events, much like they did around the first Covid pandemic lockdowns.” Prior to the crisis in Ukraine, interest rates were on a steady and rising trajectory. However, when the crisis abroad began, we saw a sharp 1% decrease in rates. But often just as these rates fall, they start to rise again. As the conflict has continued we’ve seen rates start to rise again, reaching 4.33% for 30-year fixed-rate mortgages and 3.56% for a 15 year. 

Past Rates Perspective

While 4% or more may seem like a large number, and fear of changes in the market may be keeping many from finding their dream home, keep in mind that rates have climbed much higher over the last 40 years. In fact, even though current interest rates are rising they are still the lowest we’ve seen over the past 10 years!

According to TIME, new home buyers can benefit from low-interest rates to help offset rising home prices. The market always cools down in the winter, but many are already predicting another hot spring and summer market. If you’re thinking about selling or buying a home now may be the best time in all of 2022 to start the process. 

Check out this great chart by The Street to see how major events and rising rates have impacted the market over the years.

Still feeling unsure about rising rates? It’s always a great option to speak with a professional. Contact me today, I’d love to answer any and all of your questions.