Business
Mortgage Rates Falls to a new Lower Territory as Investors Rush into Bond Market

WASHINGTON – The average mortgage rates on a 30-year fixed mortgage have fallen again due to the rushing of investors into the bond market. This is expected to continue for a period of 3 months. Mortgages rates approximately follow the yield on the 10-year treasury. The average lenders offer an interest rate between 4.125 and 4.25 percent. However, the more aggressive lender charge a lower interest rate of 3.875% for some borrowers with pristine applications.
Before the announcement of Federal Reserve to not to raise the interest rates this year, the average rate stood at 4.40 percent. Federal Reserve also revealed in an announcement that it would jump into buying bonds again which is why interest rates would not rise. Mortgage rates underwent fluctuations in the last few months. In the month of November, there was an increase of over 5% in the mortgage rates which fell in December. Post this fall, there was a monthly spike of 12% in the sale of existing homes in the months of December and January. Not only in the US, but Toronto second mortgages rates were also showed a similar trend.
Due to decent economic growth in the US and the shrinking economic growth all over the world, the mortgage rates were kept at as low as 3.5 % and this trend is expected to continue in the future as well. Also, in the year 2016 and 2017, mortgage rates were lower and there was an increase in the sale of homes during this period of time.
Mike Fratantoni, Chief Economist for the Mortgage Bankers Association said their forecast hints that mortgage rates are expected to get higher later in the year to an average value of 4.6 percent. But during this period of time, the drop in mortgage rates has given an opportunity to the prospective buyers to go for their home. Due to low mortgage rates and moderating home-price growth, the purchasing power of people has improved. It is expected that this would result in an increase in the sale of homes than the previous time.
Business
Scaling Strategies for Bootstrapped Founders: Why Smart Startup Entrepreneurs are Ditching Traditional Agencies for Leaner Growth Machines

Today’s startups need to scale at top speed. Conventional methods for achieving business growth and revenue early are under fire. That’s why more and more savvy founders are abandoning the traditional marketing agency business model. They realize that the rules of the game have changed.
Leading this shift is Pablo Gerboles Parrilla, founder of Pabs Marketing. He’s a techpreneur and CEO whose unique perspective marries technological insight and marketing expertise.
For today’s founders, Gerboles believes the message is clear: cash flow and profitability don’t depend on VC funding. It’s time to ditch old-school agencies and turn to leaner, more flexible growth machines.
The age of scaling a bootstrapped startup: Why founders choose to scale without external funding or venture capital
“Startups are nothing like the established corporations traditional agencies are built to serve,” Gerboles says. “They need to be nimble and conserve their resources. The last things they need are bloated services with hidden fees and lengthy contracts. They need results, and they needed them yesterday.”
Traditional agencies position themselves as one-stop shops for marketing and growth, offering extensive teams and shiny presentations, but their campaigns come with a hefty price tag. Those structures work well for Fortune 500 companies needing big-budget omnichannel campaigns. For startups? They often translate to high retainers and little flexibility.
“If you’re a startup founder, wasting time and resources on presentations that don’t lead to actionable growth isn’t an option,” Gerboles explains. “You have to be data-driven and relentless in finding what works. Traditional agencies are just too slow and cumbersome to deliver.”
Successful bootstrapping can lead to sustainable growth: Lean growth machines for lean operations
Gerboles spent the last six years helping founders to scale their businesses quickly and sustainably. His background in technology and marketing enables these founders to break free from outdated agency models in favor of smarter alternatives. He combines lean growth machines built on systems and sophisticated AI-powered tools with the power of micro-agencies and niche contractors.
“Agility is everything,” Gerboles shares. “The best founders today aren’t looking for creativity for its own sake. They want to see scalable solutions.”
The foundation of Gerboles’s philosophy lies in automating human-driven processes through software. Whether automating lead generation and funnel tracking, optimizing campaigns for performance with AI, or streamlining day-to-day operational tasks, smart automation reduces costs and enables companies to scale faster.
Take marketing strategy, for example. Instead of handing over control to a traditional large-scale agency, modern founders can engage niche micro-agencies with expertise in specific domains like paid media, SEO, or influencer campaigns. These smaller, hyper-focused teams are far more nimble, deliver measurable ROI, and cost a fraction of the price.
“When you combine these micro-agencies with contractors and automation, you’ve bypassed a lot of unnecessary overhead,” Gerboles explains.
The importance of accountability, transparency, and results in scaling strategies for bootstrapped founders
For Gerboles, one major shortfall of traditional agencies is the lack of true accountability. “You don’t want vague creative promises or KPIs that could mean anything,” he says. “You want sharp goals and clear deliverables. Most of all, you want systems that let you track performance in real time. Nothing builds trust and drives results faster than data-driven accountability.”
The shift away from agencies is primarily driven by concerns over transparency and reliability. By leveraging smaller, specialized teams or AI-powered tools, startups can maintain a tighter grasp on their marketing and growth. When they find what works, they can iterate quickly based on live campaign data.
“Smart founders don’t have time to wait weeks for an update,” Gerboles quips. “When you build lean growth machines, you’re always connected to your performance metrics. You can pivot instantly. This model rewards consistency and strategic risk-taking.”
When Gerboles designs systems for startups, he emphasizes performance certainty. He eliminates guesswork and sticks to systems that work. It’s a philosophy that resonates with modern entrepreneurs who value clarity and efficiency above all else.
Scaling strategies for bootstrapped founders who don’t consider external funding: a blend of technology and micro-agencies
The evolution Gerboles champions is already well underway. The rise of AI, no-code platforms, and automation tools means startups can do more with less — and faster — than ever. Solutions like automated campaign optimization, predictive analytics, and content creation tools enable startups to scale their output without hiring a large team or committing to an agency’s payroll.
Meanwhile, on-demand contractors and micro-agencies provide laser-focused expertise on an as-needed basis. Whether it’s bringing in a TikTok ads expert for a short-term boost, hiring a conversion copywriter for a product launch, or testing AI-powered chatbots for lead management, lean growth machines are redefining the agility game.
“An expert contractor or a micro-agency specializing in your exact need will always be faster and better than the ‘generalist’ vibes you get from old-school agencies,” Gerboles notes. “Specialization and precision are the name of the game now.”
Founders who want to lead in the new era of business are increasingly following the path Pablo Gerboles lays out. They are choosing smarter systems, investing in the right tech stack, prioritizing accountability, and embracing speed at every level.
“Business isn’t a time to play safe,” Pablo says. “It’s about innovation and pushing edges within a clear strategy. Surround yourself with agile partners, hold processes to results, and find the tools that help you stay lean. That’s how you win in today’s game.”
Gerboles is a thoughtful entrepreneur committed to helping business leaders reinvent their approach to growth. From ideation to execution, his advice rings true: leave the bloated bureaucracy of yesterday’s agencies behind and build lean growth machines fueled by agility and results.
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