Posted by Philip Dennesen on 2/23/2021

Astounding home that also includes a waterfront lot overlooking Dixie's Cove on the Bass River in Beverly's Ryal Side neighborhood. Built new from the foundation up in 2006. There is an enclosed elevator that services all four floors of living space. The open floor plan has a large gourmet chef's kitchen, top of the line appliances, w tons of cabinet space, kitchen island w bar seating that opens into the dining room and living room. The front living room has a stone fireplace (gas) that gives ambience & coziness while overlooking the scenic water views. The master bedroom w vaulted ceiling is on the top level with a balcony deck that has the best vistas around. Hardwood throughout w beautiful woodwork details. The finished basement has two walk out exits, can possibly be used for various purposes; daycare, in law, au pare suite, home offices, family room. The second floor front room can be another family room or bedroom, so many options making this home totally unique!-Solar is owned.




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Posted by Philip Dennesen on 3/13/2020

One decorating principle thatís a huge help for any homeowner is that of layered lighting. This is the different aspects of lighting that youíll use in different rooms of your home to complete your lighting needs. The layers of light create a basis for the design of the room. These three main aspects of lighting also have a practical purpose which is nice as well. Below, youíll learn more about the three main components of lighting for any room of the house and how to best use them. 


Ambient Lighting


Ambient lighting is often the base of where people start with their lighting design in a room. This type of lighting allows you to get the overall feel for a space. The brightness level should be good enough for anyone to walk through the room without walking into things. The illumination may not be bright enough for activities that require a lot of focus like reading or chopping vegetables.


Accent Lighting 


If you think of a retail store and how the shiniest things have the brightest lights focused on them, youíll discover that you can use this type of lighting right in your home. Think of a chandelier hanging over a massive dining table. Accent lighting is usually for decorative purposes. The lumens that are given off are typically not enough for any other purpose than to attract attention to the item the light is shining on. This type of lighting is best used for things like display cabinets, statues, and china closets. The bottom line is that the accent light will add some drama without actually adding much practical use. 


Task Lighting


This type of lighting is important because itís what ensures that you wonít chop your hand off while youíre chopping up vegetables in the kitchen. Task lighting varies widely from room to room and can be anything from a desk lamp to a reading lamp to lights on the vanity for shaving and putting on makeup. Task lighting is all about being functional. When youíre trying to decide where to put your task lights think of everything from safety to convenience. The last thing you should worry about with task lighting is the look. While these lights are great under cabinets, for example, so the more creative you get with where to place your task lighting the better the look will be.  


Using this simple yet useful design principle can help you to light your entire home correctly. The right lighting can truly transform a space and give it the depth that it needs.            





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Posted by Philip Dennesen on 5/11/2018

Whether you call it a "rainy day fund" or a "financial cushion", having some money set aside for emergencies or unexpected expenses can help keep life on an even keel.

Although health insurance and a homeowners' policy can provide a measure of protection, insurance deductibles can take a large bite out of your bank account.

In addition to all the predictable expenses that accompany home ownership, mechanical systems like furnaces, hot water heaters, and air conditioning units have a way of breaking down at the most inopportune times. Another crisis that many people aren't prepared for is the potential loss of a job. When families don't have money set aside to weather the storm of an unplanned income loss, then there's no "safety net" to cushion the fall.

Strategies For Saving Money

The good news is that there are plenty of ways to build up financial reserves, but it often requires self discipline, a new set of habits, and the intention to make it happen. One of the first steps to putting some money aside for a rainy day is to open up a separate bank account. If you put extra money in your regular account -- or (even worse) keep it around the house -- chances are it will get spent pretty quickly. However, if it's deposited into a separate account that's designated for emergencies, unexpected household expenses, or even a college fund, then it'll stand a greater chance of being left alone until it's needed. Putting money aside does take some doing, but it can contribute to your family's financial security and ability to do things that are important to you.

If you have a tight budget, you're probably wondering where this extra money is going to come from! Sometimes, the very act of developing a written budget can provide you with clues and ideas for reducing your expenses. You'd also be amazed at how much the savings can add up when you comparison shop, buy in bulk, use coupons, negotiate lower interest charges on your credit cards, quit smoking, car pool to work, cut back on restaurant food, and make up your mind to live just a little more frugally.

Depending on how committed you are to creating a financial cushion, you could also make the fund grow faster by depositing a percentage of Christmas bonuses, tax refunds, manufacturer rebates, salary increases (raises), and other sources of extra income. Additional ways to beef up your financial safety net could include getting a part-time job, doing freelance work, holding a garage sale, or selling unwanted items through ads or flyers. When you pay off credit cards, car loans, or other debts, you could also redirect some or all of those monthly payments into your "future needs fund."

Whatever you decide to call it, it's nice to know that there's some extra money on hand for unexpected expenses, emergencies, potential job losses, college tuition, weddings, family vacations, home renovations, nursing home costs, or even retirement.






Posted by Philip Dennesen on 12/29/2017

Salem, MA:

This Condo in Salem, MA recently sold for $205,000.
This is a Garden style home and features 4 total rooms, 1 full bath, 2 bedrooms, 0.14 acres, and was sold by
Philip Dennesen - KELLER WILLIAMS REALTY




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Posted by Philip Dennesen on 11/15/2017

Peabody, MA:

This Condo in Peabody, MA recently sold for $251,000.
This is a Garden style home and features 5 total rooms, 1 full bath, 2 bedrooms, and was sold by
Philip Dennesen - KELLER WILLIAMS REALTY




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