Quick Takeaways - Core Fact: Lowell, Massachusetts, is experiencing a significant tightening of its rental market as demand outpaces the delivery of new multi-family housing units. Quick Takeaways - Core Fact: Vanguard's S&P 500 ETF (VOO) has outperformed the broader Vanguard Total Stock Market ETF (VTI) over the past decade due to mega-cap technology dominance.