April 2023

Florence's...

Service For Life !

Insider Tips for Healthy, Wealthy and Happy Living

If you're not already a subscriber to my free e–newsletter e - mail me at Florence@bchrealestate.com to sign up

Florence Gadbois, Realtor CA DRE#01040021 (805) 701 - 8410 E - mail: Florence@BchRealEstate.com

What Are The Best Ways To Boost Your Financial Knowledge?

People aren’t always comfortable asking friends or family for money advice, but the good news is that there are a number of ways you can enhance your own financial literacy without broaching the topic in casual conversation. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn about five financial literacy resources that will help you learn more about money management at any stage of life. You’ll also learn about how the wrong shoes can damage more than just your feet, mistakes new landlords commonly make (and how to avoid them), and tips to help you learn a new language as an adult – plus fun facts, a trivia challenge, and lots more.

CLOSED ESCROWS

ACTIVE LISTINGS

LISTING INVENTORY (months)

2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023

January February

14 23 20 13 14 15 11 13 13 20

67 80 22 21 22 4.49 4.14 1.19 0.92 1.48 91 92 23 21 26 3.37 4.68 1.55 0.53 1.54

March

14 17 20 27 20 17 18 23 18 8 22 20 11 22 34 26 24 46 30 17 29 32 28 19 27 45 27 14 15 49 26 16 14 19 25 7 22 29 18 15

69 89 17 12 28

4.5 4.68 0.53 0.92 5.46 4.9 0.86 0.88 6.98 4.29 1 1.27 7.04 4.38 0.62 1.86 6.88 4.05 1.23 1.69 7.04 4.78 0.73 1.65 6.3 1.5 0.62 1.85 5.74 1.8 0.9 2.03 4.71 1.23 0.875 2.19 4.3 0.89 0.897 1.26

13 thru 3/25

April May June

87 90 14 22 108 93 29 21 128 78 28 30 122 80 18 47 125 62 34 37 126 51 20 35 115 34 16 37 100 41 20 39 93 32 21 33

July

August

September

October

November December

Finally, I want you to know, that you may call me for any reason. And please let me know if a friend, family member or neighbor needs a caring, experienced real estate professional to help in buying or selling.

I truly appreciate your friendship and referrals. Enjoy your issue!

Warmest regards, Florence Florence Gadbois DRE #01040021 RE/MAX Gold Coast

Get Free money-saving home tips at my web site: BchRealEstate.com

Florenc e’ s …

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…”



WARNING: Don’t even think of selling your home without my Free Consumer Guide titled, “How To Avoid 7 Costly Mistakes When Selling Your Home” Call me right now at 805-701-8410 to learn more…

Improve Your Financial Literacy

Financial literacy may feel like an unreachable goal if you’re not an accountant, but it’s easier than ever to enhance your own financial knowledge and money management skills —regardless of what stage of life you’re in. Here are five ways you can build your personal finance know-how: ✓ Browse the personal finance books section of your local library or bookstore. Check out Business Insider’s picks (businessinsider.com/personal-finance/best-personal-finance-books) for the best personal finance books of 2023. ✓ Plug into a financial podcast . There are many to choose from, geared toward people at different financial life stages. This US News list (money.usnews.com/money/personal-finance/saving-and budgeting/articles/best-personal-finance-podcasts-to-listen-to) of finance podcasts breaks their picks down so you can find the one for you. ✓ Take a financial literacy class . Some employers offer free seminars on personal finance (and other topics) for employees, and community colleges often have similar non-credit courses available. There are even online classes you can take — some of which are free, like the finance section of Khan Academy (khanacademy.org/economics-finance domain/core-finance). ✓ Check out the federal government’s online educational tools . The Consumer Fina ncial Protection Bureau’s website (consumerfinance.gov/consumer-tools) has guides on financial goals, like paying for college and saving for retirement. And on the Financial Literacy and Education Commission’s site ( mymoney.gov ), you’ll find financial planning information for major life events (like the birth of a child) as well as tools such as budgeting worksheets. ✓ Hire a professional financial advisor . Even if you don’t want to outsource this part of your money management permanently, hiring a financial coach to get started can give you the tools you need to confidently manage your own finances in the long run. Their advice is tailored specifically to your financial situation and goals, and you’ll have plenty of opportunities to ask questions along the way. Learn How To Maximize The Value Of Your Home Did you know there’s a free consumer report showing what to fix to net the most value for your home? It’s called “ Make Your Home Show Like A Model Without Breaking The Bank ” and it’s an essential guide to homeowner profits. You can get a free copy by calling me at… 805-701-8410

April 2023 Oxnard, California

Inside This Issue…

5 Ways To Boost Your Financial Knowledge …Page 1

Are Your Shoes Hurting Your Whole Body? … Page 2

Avoid These Common Mistakes New Landlords Make …Page 3

Tips To Learn A Language As An Adult …Page 3

Answer This Trivia Question And You Could Win $75 gift card for Lure Restaurant...Page 4

How Do I Find The Right House For Me?...Page 4

Get Free money-saving home tips at my web site: BchRealEstate.com

Word of the Month… Studies have shown your income and wealth are directly related to the size and depth of your vocabulary. Here is this month’s word, so you can impress your friends (and maybe even fatten your wallet!)…

Are Shoes Ruining Your Feet?

When it comes to diagnosing what’s causing sore feet, there are a few things that might seem obvious. High heels, for instance, are famously bad for our feet. By concentrating most of your body weight on the ball of your foot, high heels can cause painful bunions and ingrown toenails. But, perhaps surprisingly, there are also foot problems to contend with at the other end of the shoe spectrum, too. Without proper arch support, even a comfy pair of slippers or sneakers can lead to a condition like plantar fasciitis. Whatever type of shoes you prefer, it’s important to understand what those shoes might be doing to hurt — or help — your whole body. When choosing footwear, consider: 1. Arch support: The right insoles help alleviate foot pain and keep your whole skeletal structure aligned. If your feet aren’t aligned well, every bone above it is off kilter. You can buy orthotic insoles if your shoes don’t have any arch support built in. 2. Shoe size: You probably haven’t had your shoe size checked since you were a kid, but it’s worth checking again—especially if you’re experiencing foot pain. Our foot size and shape can change over time. 3. Toe box: Forcing toes into narrow or pointed toes can cause long-term structural damage to the bones in your feet. Look for shoes with a wider toe box to more accurately accommodate the natural position of your toes. Some barefoot activity is generally agreed to strengthen feet, like yoga or workouts on a mat. M ost experts agree that it’s still best to wear supportive shoes most of the time. Talk to a podiatrist or an orthopedist about exercises you can do to strengthen your feet and help them recover from any footwear-related injuries you may already have.

impugn (pronounced im-PYOON) verb

Meaning: to dispute or challenge the validity of something; to question

Sample Sentence: He impugned my ability to handle the new job responsibilities in front of our boss, probably because he was angry he hadn’t gotten the job. Well, Isn’t That The Pits Have you heard that putting an avocado pit in your fresh guacamole will keep it from turning brown? Turns out that’s an old wives’ tale. Exposure to air is what turns bright green avocados brown, so burying the pit in a bowl of guac does nothing. Instead, put plastic wrap over the uneaten portion, making sure the plastic is pressed onto the whole exposed surface to keep air out. Like Wordle? Try Semantle If you like games and wordplay, give Semantle (semantle.com) a try. Your goal is to guess the word of the day, and each guess is scored based on how close it is to the meaning of the secret word. Words may be any part of speech, not just nouns, and there’s no limit to the number of guesses you get — or the number of hints you can ask for. It’s great fun for anyone who enjoys skimming a thesaurus now and then. Quotes To Live By… “Being an intellectual creates a lot of questions and no a nswers.” – Janis Joplin, Singer “What do we live for, if not to make life less difficult for each other?” – George Eliot, Author

“Instant gratification takes too long.” – Carrie Fisher, Actress

Get Free money-saving home tips at my web site: BchRealEstate.com

3 Common Landlord Mistakes Rental property investments can be financially rewarding. But they can also open the door to a long list of potential problems for new landlords. Here are three mistakes new landlords often make, and how to avoid them: 1. Skipping the screening process. Running a credit check on potential tenants helps you avoid what could be costly surprises down the line. You may also want to run background checks. Either you or the potential renter will need to pay for these reports, but it’s a small price to pay for peace of mind. 2. Assuming you’ll always have tenants. Even in high-demand markets, there’s always some time between when a person moves out and a new one moves in, and that’s time when you’re not receiving rent payments. Experts suggest having a savings account with about three months’ worth of rent in it to cover these gaps. 3. Getting the wrong insurance. If the insurance you have on your rental property is inadequate or, worse, entirely the wrong kind of coverage for a rental, you’ll be in hot financia l waters when faced with property damage. Talk with your insurance agent to be sure you have the appropriate types of coverage for a rental. Also, be sure to learn about what tenant qualification criteria are prohibited under the Fair Housing Act: hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview Language Study Tips For Adults While tackling a new language as an adult may seem challenging, it turns out that adults can become fluent in a foreign language about as quickly as children do. (And that’s good news, because there’s evidence that learning a language as an adult may help delay the onset and severity of dementia.) A 2018 study concluded that although we’re more apt to reach native-level fluency if we start young, adults are just as capable of mastering a new language. It might take a decade or more for adults to achieve native-level fluency, but we can reach incredibly high levels of comprehension in as little as 1-3 years of language learning. What’s more, adults may even be better at certain aspects of language learning than kids are, since our attention spans are longer and our ability to focus is greater. Community colleges often have language classes, which are a great way to get started. Interacting with instructors in person gives you valuable feedback you can’t get from an app or website. Conversation groups and language exchanges are extremely useful for building and practicing your skills. Look at MeetUp.com to find conversation groups in your area, or check language exchange sites like italki.com , TalkAbroad.com , and HelloTalk . com to get one-on- one video call time with a fluent speaker of the language you’re learning. Would You Like To Know How Much Your Neighbor’s Home Listed Or Sold For? Maybe you’re just curious. Or maybe you want to know how much your home is worth. Either way, I can help…with no “sales pitches” or run arounds. Call me at 805-701-8410 and I’ll give you all the facts.

Brain Teaser… I get cut on a table, but I never get eaten. What am I?

(See page 4 for the answer.)

What’s My Home Worth? If you want to know your home’s current value, I will gladly conduct a Maximum Value Home Audit . Request this “no charge” in -depth home value analysis by calling me at: 805-701 8410 . The Science Of Happiness Did you know there’s a n 80-year-long Harvard research project to study what constitutes a good life? It was started in 1938 and is still going — but there’s a book detailing the results so far. The biggest takeaway? “Good relationships keep us happier and healthier. Period.” Learn more about this incredible long term study and the book at: the-good life-book.com Charity Rating Websites Donating money toward a cause you believe in feels great, doesn’t it? Before you hit send, look into how the charity is rated. Not every tax-exempt organization is what you might consider truly charitable. charitynavigator.org : The site uses a 0-4 star rating system on the nearly 200,000 charities in its database, evaluating financial health and accountability. It’s free to use. charitywatch.org : More than 670,000 charities are evaluated on things like how much is spent on administrative costs and given an overall grade on an A-plus to F scale. You can preview a few charities for free before registering. givewell.org : Their list of top-rated charities is updated every year and the site is free to use. GiveWell says its goal is to highlight charities that “can save or improve the greatest number of lives per dollar donated.”

Get Free money-saving home tips at my web site: BchRealEstate.com

Thanks For Thinking of Me!

“Who Else Wants To Win $75 Gift Card for Lure Restaurant ?”

Did you know I can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping me in mind with your referrals…and spreading the word about my services.

Guess who won last month’s Trivia Question? I’m pleased to announce the lucky winner of last month’s quiz. And the winner is …drum roll please: Kathleen Cronin of Sacramento California.

Brain Teaser Answer:

Which is the loudest animal on earth? a) Lion b) Hyena c) Sperm Whale d) Cicada

A deck of cards.

The answer is c) Sperm Whale. The clicks made by sperm whales have been recorded at 230 decibels (dB). A loud rock concert is about 115dB, and the sounds from a sperm whale are two-and-a-half times as loud!

Repurpose Old Sweaters If a beloved sweater gets too worn to wear anymore, it can still be useful with a needle, thread, buttons, and a little creativity. Here are a few ways to give your old knits new life. • Make a cozy pillowcase out of the body of a sweater, sewing arm and neck holes closed and stuffing with a pillow insert. • Reinforce the cut end of each sleeve to quickly turn them into leg or arm warmers. • Fill sewn-closed sweater squares with rice, then heat in the microwave or keep in the freezer for a homemade heat or ice pad. THANK YOU for reading my Service For Life ! ® personal newsletter. I wanted to produce a newsletter that has great content and is fun and valuable to you. Your constructive feedback is always welcome. AND… whether you’re thinking of buying, selling or financing real estate, or just want to stop by and say “Hi,” I’d love to hear from you… Florence Gadbois DRE #01040021 RE/MAX Gold Coast 805-701-8410 florence@BchRealEstate.com BchRealEstate.com Disclaimer: The information contained in this letter is intended for informational purposes. It should not substitute as legal, accounting, investment, medical or other professional services advice. Always seek a competent professional for answers to your specific questions. This letter is not intended to solicit real estate properties currently for sale.

So let’s move on to this month’s trivia question. What award-winning actress was nominated for a “Worst New Star” Golden Raspberry for her very first feature film role?

a) Helen Mirren b) Kristin Scott Thomas c) Maggie Smith d) Judy Dench

Call Me At 805-701-410 OR Email Me At florence@bchrealestate.com And You Could Be One Of My Next Winners!

Real Estate Corner…

Q. How do I find the right house for me?

A. A. Make a wish list of everything you would like to have in a new house. Then make a list of everything you don’t like in your current home. These two lists will give you a good idea of where to start, and help you analyze your needs. Buying a home requires making some compromises. You may not get everything you want, but make sure to get what you need. For example, when buying a home, the neighborhood should be your main consideration. Is the house in a neighborhood that you like and feel safe? Will you have a reasonable commute to work? Does it have a good school system? ( Not only is this important if you have children; it will impact the resale value of your home down the road .) Does the area have the amenities that you’re looking for (parks, stores, and library) within a few miles?

Want to learn more? Ask for my Free Consumer Report called “8 Secrets For Saving Thousands When Buying.” I’ll send a copy right over to you.

Do you have a real estate question you want answered? Feel free to call me at 805-701-8410. Perhaps I’ll feature it in my next issue!

Get Free money-saving home tips at my web site: BchRealEstate.com

Florence’s…. Colony MarketWatch ™ Here’s Neighborhood Home Information For The Colony To Help You Evaluate The Value Of Your Investment. ”

Homes Currently Active …

Address

Bdrms Baths Sq. Ft.

Floor Plan

Asking Price

Martinique

2 2

2 2

1113 1217

Martinique (Phase I)

$695,000

4475 Antigua

Martinique

$799,000

2151 Martinique

2

2

1627

Capri

$839,000

Vina del Mar

3

2.5

2360

Vina del Mar

$1,450,000

$945,750

Market Average

Properties Pending …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan Costa de Oro

Asking Price

2360 Vina del Mar Market Average

3

2.5

2692

$999,900 $999,900

Sold Propert ies… (3/01/22 Thru 3/28/23) Address List $

Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2223 Martinique

$699,000

$664,050** 1113

$596.10

Martinique (Phase I)

02/17/23

2200 Martinique

$769,000

$700,000

1617

$432.90

Capri

01/06/23

2143 Martinique

$730,000

$720,000

1113

$646.90

Martinique (Phase I)

12/12/22 01/27/23 10/21/22 08/23/22 08/03/22 06/17/22 09/02/22 06/24/22 08/31/22 05/25/22 03/22/23

1965 Majorca

$729,888 $739,000 $780,000 $799,000 $795,000 $815,000 $819,888 $849,888 $845,000 $839,888 $849,000

$725,000 $739,888 $750,000 $790,000 $795,000 $807,000 $805,000 $820,000 $836,000 $840,000 $849,000

1217 1113 1114 1113 1368 1368 1368 1627 1368 1459 1459

$599.74 $664.77 $673.25 $709.79 $580.72 $589.48 $661.46 $504.00 $611.11 $575.74 $581.90

Martinique

2355 Martinique 2125 Martinique 2305 Martinique 2327 Martinique

Martinique (Phase I) Martinique (Phase I)

Martinique (Phase I)

Madeira Madeira Madeira Madeira Antigua Antigua Capri

4481 Antigua 2005 Majorca 2017 Majorca

1990 San Tropez 2227 Martinique 2377 Martinique

03/15/22

4427 Antigua

$862,500

$867,750

1628

$533.34

Capri

04/01/22

2175 Martinique

$875,000

$875,000

1114

$785.46

Martinique (Phase I)

12/02/22 02/16/23

1931 Majorca

$949,888

$875,888 $891,800

1550 1627

$565.09 $548.13

Antigua

4681 San Sebastian $895,000

Capri

04/27/22

2121 Martinique

$899,000

$899,000

1368

$656.68

Madeira

03/23/22 05/10/22

1910 Majorca

$899,000

$907,000 $940,000

1557 1217

$585.54 $771.76

Antigua

4726 San Sebastian $940,000

Martinique (Ambassador) 10/06/22

2003 San Tropez

$875,000

$955,000

1369

$697.55

Madeira (Ambassador)

05/04/22 10/21/22 08/30/22 04/26/22 08/11/22

1954 San Tropez 2214 Cannes Sq

$987,000 $1,200,000 $1,245,000 $1,989,888

$1,002,000 1628 $1,240,000 2059 $1,245,000 2360 $1,900,000 2360 $1,900,000 2139

$615.48 $602.23 $527.54 $805,08 $888.27

Capri (Ambassador)

San Tropez

2244 Cannes

Vina del Mar Vina del Mar San Tropez

2303 Vina del Mar

2315 Vina del Mar $1,999,000

07/20/22

$ 955,442

$ 868,904

$688.35

Market Average

RE/MAX represented buyer, seller or both .

Florence represented buyer, seller or both

**Does not include commission Properties as of Mar 28, 2023 and may not be listed by RE/MAX. Information herein has not been verified, is not guaranteed, and is subject to change

To see Colony Floor Plans: TheColonyatMandalay.com

Florence’s… MarketWatch ™

“ Here’s Neighborhood Home Information For HarborWalk To Help You Evaluate The Value Of Your Investment. ”

Active Listings… Address

List $

Sq.Ft Floor Plan

Harbor Blvd

$1,049,000 $1,049,000

1518

Villa (end unit)

Market Average

Sold Properties (01/01/2022 – 03/27/2023 Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

2957 Harbor 3046 Sunset 3134 Sunset 4534 LaBrea 2957 Harbor 3204 Sunset 2943 Harbor 3540 Sunset 3224 Sunset

$565,000 $595,000 $649,500 $699,000 $699,000 $850,000 $797,000 $900,000 $865,000 $975,000 $995,000

$572,000 $595,000 $620,000 $725,000 $690,000 $810000 $817,000 $850,000 $865,000 $925,000 $997,000

925 925 925

$618.38 $643.24 $670.27 $638.77 $745.95 $606.71 $681.96 $576.66 $617.42 $615.85 $676.39

Plan C Plan C

03/25/22 10/07/22 02/25/22 08/08/22 02/02/23 10/12/22 03/30/22 06/14/22 02/25/22 08/25/22 03/21/23

Plan C (end unit)

1135

T-3

925

Plan C

1401 1198 1474 1401 1502 1474

Villa

Plan D (end unit)

T-1

Villa

3131 Harbor

Villa

3544 Sunset

T-1

3145 Harbor

$999,997

$999,997

1489

$671.14

Villa

06/09/22

3125 Harbor Blvd $999,000

$1,000,000

1489

$671.59

Villa

03/11/22

Market Average $648,79 Bold: REMAX Represented Buyers, Sellers or Both $814,499 $805,077

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of Mar 27, 2023. The listings and sales are not exclusive to RE/MAX Gold Coast Realtors and may have been represented by others. Display of the MLS data is deemed reliable, but not guaranteed by the MLS and prices are subject to change.

See HarborWalk floor plans at: HarborWalkCondos.com