Bellingham Bulletin April 2024

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Page 8 Bellingham Bulletin Local Town Pages | www.bellinghambulletin.com April 2024 The b.LUXE beauty beat Get To Know The b.LUXE Experience By Gina Woelfel Hello Bellingham! We’re The b.LUXE Beauty Beat, a monthly column dedicated to keeping you in the loop about the latest beauty, style, and selfcare trends. We take pride in creating engaging and informative content for our readers, and we love connecting with you to discuss the hottest topics in our industry. But what many of you may not know is that we often find ourselves inspired by our client conversations at our salon. When you’re in our chair, we love chatting about your beauty routines, challenges, and goals and use those insights for our monthly topics. That’s why, this month, we’d love for you to get to know the studio behind The Beauty Beat! We’re your one-stop beauty destination and take pride in being Massachusetts’ most highly-rated beauty salon. Check us out on Google. Our Specialties: • Precision Haircutting • Curly Haircuts • Coloring, Highlighting & Balayage • Hair Smoothing Treatments • Hair Extensions • Superior Skincare • Special-Occasion Makeup • Lash Extensions & Tinting • Organic Spray Tanning B $5 OFF Dine-in/Take-out orders on purchase $20 or more VALID ON FOOD ONLY • On-Site & In-Studio Wedding Beauty Our studio has a bright, vibrant feel, with passionate stylists who genuinely enjoy their clients. Your appointment should be more than just a task to check off your to-do list. We want every visit to our studio to be a luxury experience. The “b.LUXE Experience” is our unique approach to beauty and wellness and guarantees your visit will be exceptional. We understand your time is valuable and we respect that. The b.LUXE Experience helps you reset, revive, and leave our studio feeling better than when you walked through our door. Upon arrival, our friendly front desk staff will check you in and invite you to relax in our comfy waiting area. You can also grab a refreshment from our deluxe coffee bar, where we have a wide variety of refreshments including coffee, teas, seltzers, and snacks. Your stylist or esthetician will then accompany you to their station or private skin care room for a thorough consultation where you can discuss your beauty goals and budget. They’ll evaluate the whole picture to create an individual plan that delivers your desired look and feel. We offer complimentary “LUXE For Everyone” addons to surprise and delight our guests because who doesn’t love surprise luxury? We work these mini pop-up services right into your appointment for an extra touch of relaxation. 15% OFF Sun. thru Thurs. 4-9pm Dine-in Only VALID ON FOOD ONLY NEAPOLITAN PIZZA! Beer & Wine Now Available (DINE-IN ONLY) 1 Menfi Way, Hopedale • 508-381-3292 • myhopedalepizza.com B SCAN TO VISIT OUR WEBSITE LUXE FOR EVERYONE • Our signature BEFORE Oil Treatment is rich in essential nutrients that promote healthier hair and scalp. It’s a client favorite and offered to all haircut and blowout clients. We apply this right at the sink with a zen-like massage. • For our color and smoothing clients, we offer our NUTRIR OIL Hand Treatment during your processing time. This therapeutic hand scrub and massage leave your hands feeling soft and supple. • Our clients who receive luxury facials enjoy a Hot Stone Foot Treatment to alleviate stress and tension. b.LUXE is a team-based salon. We don’t use the words “my client” or “your client,” only “our clients.” We want you to feel relaxed and at ease with Now carrying ORIBE every appointment, and we’ll never make you feel uncomfortable if, for any reason, you need to book with another stylist. Because of this shared client base, we can typically accommodate you with a different hairdresser if your preferred stylist is unavailable or if your beauty budget changes. We carry many popular hair care products, including Oribe, Kerasilk, DualSenses, and Ouidad. Additionally, our awardwinning skincare line from G.M. Collin is an undisputed industry favorite. Our knowledgeable team members are always here to provide product education and helpful recommendations. For extra convenience, b.LUXE offers complimentary consultations, a private service room for clients requiring social distance, online booking, as well as Monday and evening hours. Thanks for taking the time to get to know us a little better! We invite you to visit our studio located in the historic Medway Mills. It’s not just a space; it’s a vibrant community of artists where you can connect with likeminded individuals, exchange ideas, unwind, and learn from our seasoned experts. We aim to help you achieve your beauty aspirations because that’s who we are. Beauty is our business! We can’t wait to meet you! PAID ADVERTISEMENT Sponsored articles are submitted by our advertisers. The advertiser is solely responsible for the content of this article.
April 2024 Find us on Facebook | bellinghambulletin Page 9 Your Money, Your Independence Ready Homebuyers? Things Are About to Change. It’s been a perfect storm the last 3+ years against first and second-time homebuyers. But a change is coming, starting with anticipation of mortgage rates falling from 7%. Morningstar, echoing other analysts, in March shared current Fed Funds rate of 5.25-5.50% will be 4.00 to 4.25% at end of 2024. Furthermore, expect the Fed to continue to “cut through end of 2025, ultimately bringing the federal funds rate down by over 300 points”. Talk to realtors and lenders, they’re seeing activity pick up. Why? Wait until mortgage rates fall to 5%, then homes in certain price points will have inversely increased in value. Whereas, if one can purchase now with expectation to lower ongoing expenses via refinancing later, you’ve capped initial co2006sts and participated in appreciation. Thus, first time buyers and those looking to move up, it’s time to plan. This means prioritizing your needs, wants, locations and budget for after you’ve moved into your new home. This last one is critical as lenders base your preapproval on this moment in time, not the fact you plan to do X a year from now which requires more money in your budget. Due diligence should also include: Glenn Brown, CFP Zillow, RedFin, Realtor - Scroll beyond pictures and into details of when built, sqft, interior features, acreage, adjacent home values and price/tax history. With price history, see when last sold, amount, then account for pictures or better yet when you visit, to see what’s been done since to determine value. Tax Assessments and Property Taxes - Regardless of Realtor views on tax assessments relative to asking price, know a $890K listing with town tax assessment of $620K for $9,300 property taxes, will get reassessed the following year. If bought for $900K, town likely comes in at $820K (or higher) for $12,300 property taxes or $250 extra a month on your budget. Financing Options - Explore beyond 30-year fixed rates. Understand directional interest rate landscape and how long you expect to stay in your home. Does a 7-year adjustable rate mortgage (ARM) make sense if the plan is to move in 5-7 years or refinance as rates come down 50-75bps? Mortgage and Cash Flow Calculations - The more variables, the better. Same with ability compare refinancing scenarios and contrast amortization tables. With clients, I’ll share calculator.net, use links to save scenarios and then run these inside eMoney cash flow analysis. Together, we see impact on their future budget, cash flow 1-3 years out as well as long-term impact. For example, say one refinanced $600K in Sept 2020 at 2.75% on 30-year for $2,449 a month. In April 2024, decides to move with current mortgage balance ~$550K, using equity and additional savings, to add $150K to a new $700K mortgage at 7%. New monthly payment is $4,657, or $2,208 more. In 5 years (April 2029), outstanding balance is ~$658K without refinancing. Conversely, if able to pay $4,657 a month, decide to stay put with Sept 2020 mortgage and make $2,208 additional payments starting April 2024, the balance is $322K by 2029. Beyond the $336K spread after 5 years to move and borrow $150K, the Sept 2020 is now paid off in August 2035 and not 2050. But wait, there’s more to consider. What if the 7% mortgage is refinanced down to 5% by April 2026? New monthly is $3,634, or $1,023 less. Add this as extra payment starting 2026, what do you have? Understand money is a tool, not the only consideration. There is great value in doing what’s best for your family, educational or work opportunities and/or your personal choice of belonging to a community. You should know this value going into a decision, not after it. Michelle Sebio Savje 508-561-4257 The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Glenn Brown is a Holliston resident and owner of PlanDynamic, LLC, www.PlanDynamic. com. Glenn is a fee-only Certified Financial Planner helping motivated people take control of their planning and investing, so they can balance kids, aging parents, and financial independence. Sponsored articles are submitted by our advertisers. The advertiser is solely responsible for the content of this article. The Spring Market is Upon Us! Remember, if you want to BUY or SELL, call Michelle! KEVIN J. TAGLIAFERRI ATTORNEY AT LAW CRIMINAL DEFENSE • BANKRUPTCY SORB HEARINGS • JUVENILE LAW 508-533-1600 Email: KevLaw2@verizon.net • www.KevLaw2.com 165 MAIN ST., STE. 210, MEDWAY, MA 02053 u Serving Bellingham since 1991 u VALLEE’S EXTERIOR HOME IMPROVEMENT, INC. u Siding u Windows u Roofing u Call for your Free Estimate! 508-883-7912 Insured MA MA License Don’t just watch TV — Make it! Come on down to the ABMI-TV studio and learn the “ins-and-outs” of video production… We’re always looking for interested volunteers! Access Bellingham-Mendon, Inc. 10 WILLIAM WAY (OFF RTE. 140) • BELLINGHAM, MA 02019 Tel: 508-966-3234 • Email: abmi8@comcast.net Visit us on the web at abmi8.org
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Bellingham Bulletin April 2024

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