Donna Geihe - KELLER WILLIAMS REALTY | 617-549-2670 |

Posted by Donna Geihe on 2/13/2018

Your household appliances are among those most expensive items in your home.†If you're looking to buy or sell a house having modern, stainless steel appliances can improve the aesthetic and increase the value of a home.†If you're thinking about replacing old appliances, this guide will show you how to find the best deals without sacrificing quality.

Plan ahead

Many of us are of the mindset that we'll think about replacing appliances once they no longer work. This approach, however, leaves no time for planning and searching for the best deals. If your refrigerator stops working you don't want to end up walking around an appliance store at the mercy of their prices and selection, trying to buy a new one before the meat in your freezer thaws. Stay updated. If it's time to start thinking about replacing an appliance, give yourself time to look for deals. Sign up for email lists from appliance stores or set up price-drop alerts on sites like Amazon. Find the right brand.†Even if you don't buy your appliances online, you should use the internet to find the right brand for your needs. Compare their models and prices so you'll know what to look out for when waiting for a good deal. Read the reviews.†Your best friend when shopping for new appliances will be the customers who leave reviews of their experience on sites like Amazon and Best Buy. If an appliance is on sale at a great price but the reviews are poor, you might know why the company is trying to get rid of them quickly.

Read the fine print

If you're buying online, make sure you carefully read the shipping and returns policy. With a purchase as expensive as a washer or dryer, you want to make sure you know exactly how much you'll be paying. When it comes to guaranteeing the performance and lifespan of your appliances, there are protection plans offered by the store, manufacturer warranties, and even third-party†companies who provide appliance insurance. Compare various stores' protection plans and various manufacturers' warranties to see which one fits your budget but also provides the best protection.

Get your timing right

Like any industry, the appliance industry operates on a calendar of new model releases and sales on older models. Around September and October companies tend to unveil their latest models and lower prices on the older models. To beat other deal hunters, shop on Thursday. That's the day many stores mark down sale items for the weekend rush. But you'll get there first. There are a number of holiday sales that stores participate in as well, such as Memorial Day, Labor Day, and President's Day. And, of course, there are the hectic Black Friday sales.

Don't judge a book by its cover

When it comes to appliances, appearance isn't everything. Manufacturers often try to up the appeal of appliances by giving them colorful paint jobs or other aesthetic features that don't affect the function of the appliance.   Now that you know how to get the best deals start searching and comparing prices. Don't forget to use the powers of negotiation and price-matching, and go find the home appliance of your dreams.  

Posted by Donna Geihe on 2/8/2018

This Single-Family in Hingham, MA recently sold for $440,000. This Colonial style home was sold by Donna Geihe - KELLER WILLIAMS REALTY.

272 Lincoln Street, Hingham, MA 02043


Sale Price

Over 2000 SQ FT FOR 450K! A TREASURE N A PERFECT LOCATION! One Mile to Downtown Hingham and One Mile to the Shipyard and Commuter Boat. Be Enchanted by this English Cottage Styled Home Built of Stone That Was Once a Gate-House to the Peter Bradley Estate. This is not a Cookie Cutter - it's a Home for the Artist, Handy Person, Contractor, One who Appreciates Time Gone By and Who Has the Aptitude to Visualize and Take Pleasure in Modernizing this Beauty While Appreciating its Unique Character and History. Well Maintained-Just Needs Updating. Seize This Opportunity to Own a One of a Kind Property in a very Desired Part of Town, Current Owners have Lived Here for 53 Years - Now it's Time for New Memories to be Made.

Similar Properties

Categories: Sold Homes  

Posted by Donna Geihe on 2/6/2018

Your credit score impacts many of your important life decisions. From your ability to open new credit cards, to taking out loans for cars and houses, your credit will be checked by many companies throughout your life. Credit scores are mostly a mystery to the people who have them. Sure, you can check your credit score for free online, but when it comes to understanding your score, most consumers are in the dark. In a perfect world, we would be taught in high school and college exactly what goes into your credit score, how to build credit, and how to avoid credit missteps. Unfortunately, we don't live in that world and many of us don't find out what makes up a credit score until we're in debt from student loans or credit cards. In this article, †we'll†teach you what a credit score is, what it consists of, and how it is affected by your financial decisions. And, we'll do it in an easy-to-understand way that skips all of the jargon and acronyms that are used by banks and lenders. Read on to learn everything you need to know about your credit score.

What is a credit score?

Simply put, your credit score tells lenders how safe it is to lend money to you, i.e., the likeliness of you paying back your debt to them. In the United States, credit scores are awarded by three major companies. Since they use slightly different methods of scoring your credit, your score can vary slightly between them. What they all have in common, however, is that they put together your score based on your financial history (or lack thereof). How do they come about your score?

Parts of a credit score

Think of an Olympic diver who just took a perfect dive. The judges off to the side are going to score her on a few different factors: her approach, her flight, and her entry into the water. They'll award her a number based on her dive and then those numbers are averaged to give her a score. Credit is scored in a similar way. You aren't judged just based on your payments or just based on how long you've had a credit card. Rather, you're judged based on a combination of five main things. For your FICO score (the score used by the majority of banks and lenders) those are:
  • 35% - payment history
  • 30% - current debt
  • 15% -†how long you've had credit
  • 10% - types of credit
  • 10% - new credit
As you can see, the most important factors that make up your credit score revolve around how much you owe and if you pay your bills on time. Having high amounts of debt or credit cards that are maxed out (meaning you hit the spending limit), your score can be lowered. Similarly, your score can be lowered every time you miss a bill payment. However, if you do miss a payment and your score is lowered, it can be recovered by making on-time payments. Your credit score is also influenced by the length of your credit history (15%): when you opened your first credit card or took out your first loan. The longer you've been making on-time payments†the better. The last two factors that make up your score are the types of credit you have (10%) and new credit (10%). Having many different types of credit (home loan, credit card, student loan, auto loan, etc.) will improve your score so long as you're making on-time payments. However, opening up new credit rapidly is a red flag for lenders that you might be in financial trouble, hurting your score.    

Categories: Uncategorized  

Posted by Donna Geihe on 1/30/2018

If you're preparing to buy or sell a home, why should you be forced to work with a real estate agent who won't listen to your concerns and questions? Instead, hire a real estate agent who is a great listener, and you can receive consistent support throughout the homebuying or home selling journey.

There are many signs that a real estate agent is an outstanding listener, such as:

1. Your real estate agent responds to your concerns and questions as quickly as possible.

Let's face it Ė buying or selling a house can be stressful. Fortunately, a real estate agent who is an active listener will do what it takes to help clients alleviate stress time and time again.

An active listener will learn what it's like to walk in another person's shoes. Meanwhile, a real estate agent who actively listens to a homebuyer or home seller will be ready to respond to urgent client requests without delay.

Furthermore, it is important to employ a real estate agent who boasts comprehensive homebuying or home selling experience. With this housing market professional at your disposal, you can get expert responses to your concerns and questions. Then, you'll be better equipped than ever before to make informed homebuying or home selling decisions.

2. Your real estate agent follows up with you regularly.

A real estate agent who understands the value of active listening will follow up with clients regularly. By doing so, this housing market professional can limit the risk of miscommunication and mistakes along the homebuying or home selling process.

In addition, a real estate agent who provides constant updates will take the guesswork out of buying or selling a home. He or she will make it simple for you to streamline the homebuying or home selling process. And as such, this real estate agent will reduce the chance that you'll encounter potential homebuying or home selling roadblocks that otherwise could prevent you from achieving your desired results.

3. Your real estate agent asks questions and requests feedback.

When it comes to choosing a real estate agent, it is vital to select one who asks questions and requests feedback. In fact, this housing market professional may prove to be an amazing listener who will go above and beyond the call of duty to support you in any way possible.

Ultimately, a real estate agent who asks questions wants to learn about a client's homebuying or home selling needs. He or she wants clients to succeed and will dedicate the necessary time and resources to help each client buy or sell a home.

On the other hand, a real estate agent who requests feedback is always searching for ways to improve, and this commitment to excellence usually separates an ordinary real estate agent from an exceptional one.

Kick off the homebuying or home selling process by hiring a real estate agent who knows how to listen to his or her clients. That way, you can increase the likelihood of a successful homebuying or home selling journey.

Posted by Donna Geihe on 1/23/2018

Personal financial in your twenties comes with a steep learning curve. One minute youíre studying for your finals and the next youíre expected to suddenly know about APR financing, 401(K)s, and fixed-rate mortgages.

If youíre in your twenties and are facing these new challenges, youíre probably equal parts terrified and excited for the future. And, although it can be anxiety-inducing to step into the world of personal finance, you have one tool to your advantage that your parents and grandparents didnít have: the internet.

So, in this article, weíre going to give you some tips about buying a home and managing your finances in your twenties.

Have an emergency fund

You probably have a lot of things you want to save for. Down payments on mortgages and auto loans, saving money for traveling, beginning your retirement funds, and maybe even starting a family; theyíre all important investments that will take time and financial planning to achieve.

However, one thing that many young people neglect when they first start saving is an emergency fund. There are any number of things that can throw a wrench in your plans in your twenties. You might lose a job and have to live off of savings while hunting for a new one. Maybe something goes wrong with your car and it costs hundreds to repair. Or, you could have unforeseen medical expenses that arenít covered by your insurance. Regardless of the reason, having an emergency fund will help you stay out of unnecessary debt.

Itís recommended to have at least 6 months of living expenses saved in your emergency fund. Once you have this amount saved, itís a good idea to keep it in a separate account to avoid spending it on things that arenít exactly an emergency.

Donít live above your means

We all know that buying a house, going to college, and even buying groceries are all exponentially more expensive than they used to be. However, itís still important to try to adjust your lifestyle to the things you can afford.

This includes the vehicle you drive, the first home you buy, and even smaller purchases you make.

Avoiding lifestyle creep

Related to our last point about living above your means, lifestyle creep is the phenomenon that occurs when you get a raise or a higher paying job: the more we make, the more we spend. However, itís possible to avoid this trend by keeping your finances in check.

The next time you get a raise, make sure that money is put to use in either your retirement fund or savings account. This method is based on the goal of ďgiving every dollar a job.Ē When every dollar you earn has a purpose, youíre less likely to spend it on new video game consoles every six months.