August 2022

Florence's...

Service For Life !

Insider Tips for Healthy, Wealthy and Happy Living

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

Is The Money Advice Your Parents Gave You Actually Wrong?

Sometimes words of wisdom are timeless — and sometimes good advice can turn into bad advice with the passage of decades. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn about some old pieces of money-related advice that you should probably ignore. You’ll also get advice about how to get comfortable asking for help (even when it’s hard), tips to avoid overeating when you’re working from home, and some house plants that are incredibly easy to grow – plus fun facts, a trivia challenge, and lots more. Here’s what’s happening in your neighborhood. Here are the sales statistics for the beach/marina area, which includes: Mandalay shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, Port Marluna, The Colony, HarborWalk, HarborWest, CI Waterfront Homes, Harbour Island. Note: Inventory less than 6 month s is considered a seller’s market; more than 6 month’s a buyer’s.

Closed Escrows

Active Listings

Listing Inventory (months)

2018 2019 2020 2021 2022 21 14 23 20 13 12 15 11 13 13 28 14 17 20 27 19 20 17 18 23 31 18 8 22 20 22 11 22 34 26

2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 70 67 80 22 21 2.13 4.49 4.14 1.19 0.92 53 91 92 23 21 2.59 3.37 4.68 1.55 0.525 63 69 89 17 12 2.51 4.5 4.68 0.53 0.92 60 87 90 14 22 2.42 5.46 4.9 0.86 0.88 54 108 93 29 21 2.82 6.98 4.29 1 1.27 70 128 78 28 30 4.2 7.04 4.38 0.62 1.86 97 122 80 18 47 4.1 6.88 4.05 1.23

January February

March

April May June

July

15 24 46 30 32 29 32 28 23 27 45 27 16 15 49 26 19 14 19 25 12 22 29 18

10 thru 7/18

August

92 125 62 34 95 126 51 20 81 115 34 16 87 100 41 20 79 93 32 21

4.21 7.04 4.78 0.73 3.67 6.3 1.5 0.62 4.13 5.74 1.8 0.9 3.81 4.71 1.23 0.875 3.32 4.3 0.89 0.897

September

October

November December

Currently, I have two listings at The Colony. 2125 Martinique, which is a great single level 2 bedroom 2 bath with attached garage with a sunny patio overlooking the green belt. Asking: $799,000. Also 2214 Cannes, which is a fantastic end unit townhome – San Tropez floor plan. South facing with fantastic light throughout and just steps to the pedestrian gate to the beach. Beautifully updated, asking: $1,299,000. 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

Florence’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…

Ignore This Money Advice Some advice handed down through generations is reliable. But when it comes to money, yesterday’s good advice might be terrible today. Here are some words of so- called “wisdom” that still get trotted out from time to time but that it might be best for you to ignore. 1. “Cancel credit cards you’re not using.” Having a few credit cards isn’t necessarily bad for your credit score, and it can be good . If you’ve had a card for a long time with a history of on-time payments, consider keeping it even if you’re not using it anymore. Check your terms though, because some companies will cancel inactive cards. 2. “Don’t spend money on little luxuries.” D eprivation isn’t always the answer , even if you’re working hard to save money . Your time is worth something, too — paying someone to take care of things like mowing your lawn means you’ll have more time for, say, investment research or starting your own business. 3. “Get the most house your bank allows.” When you get pre-approved for a home loan, it may be tempting to buy a house for the maximum the bank will give you. But just because the bank will lend you the money doesn’t mean that’s within your budget. Calculate how much of your paycheck would go to your mortgage every month — and also how much more you’d have for other investments and expenses if you bought a less expensive house. 4. “Contribute the maximum to your 401(K) every year.” If you have an employer match on 401(K) contributions you make, you should definitely contribute that amount. Paying more than the amount your employer matches, however, may not be the best option if you could invest extra money elsewhere for things like an emergency fund. Keep in mind that although there are some generalizations when it comes to money advice, everyone’s situation is unique. If you’re confused about what’s best for you, it can’t hurt to get some professional advice. One way to find local advisors near you is by searching the National Association of Personal Financial Advisors’ website: https://www.napfa.org/ How To Get Top Dollar Selling Your Home... If you’re thinking about selling your home soon, request my Free Consumer Guide, “ 7 Insider Tips To Net More Money Selling Your Own Home .” This report will be your secret weapon to maximize the net profits from the sale of your home. You can get a free copy by calling me at… 805-701-8410

August 2022 Oxnard, California

Inside This Issue…

Bad Money Advice You Should Ignore …Page 1

4 Tips For Getting Comfortable With Asking For Help …Page 2

Working From Home? Don’t Fall Into The Overeating Trap …Page 3

House Plants Even Brown Thumbs Can Grow …Page 3

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

How Do I Build Wealth In Real Estate? ...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!)…

How To Ask For Help Many people struggle with asking for help. But it’s unrealistic to think any one person will know how to do everything. We have no qualms about asking for experts to help with leaky pipes or car maintenance, after all — why should it be any different if you feel depressed, or you’re stumped on a work project? Here are a few tips to keep in mind when you realize you need a little help but you’re still feeling uncomfortable asking for it. Figure out what you need help with. Be as specific as possible . You might be frustrated and just thinking, “I can’t figure this stupid project out”— but your helper will need to know exactly what the hurdle is if they’re to be of any use. Think about a piece of information, for instance, that might unlock a clear path to completion, and then seek out someone who can help provide that information. Skip “sorry.” When you apologize first, it sends the message that what you’re asking for is burdensome, when studies show most people genuinely want to help others. It may feel polite to start with “sorry,” but resist the urge. Think of “help” as a team effort. Asking for help usually isn’t about asking for someone to swoop in and rescue you —it’s about getting their help with something you’ll work on together. Collaborating on a solution often produces better results — a second set of eyes on a challenging problem can give you insights you’d never have reached alone. Say thank you. Gratitude is powerful stuff, so be sure to express yours when you’ve gotten someone’s help. Saying “thank you” verbally is a must, and it’s also extremely good practice to send a note to them later on with an update on the problem you sought their help with.

anachronism (pronounced a-nak-roe nizm) noun

Meaning: something out of place in time

Sample Sentence: The movie was a Western set in the 1880s, but the cell phone tower in the background of one scene was an anachronism. Sukkar For Your Qahwa The English language consists of countless words borrowed from other cultures, and you might be surprised just how many common terms come from Arabic. Here are just a few, with their phonetic Arabic origins: • Algebra (al-jabr)

• Candy (qandi) • Coffee (qahwa) • Cotton (qutn) • Mattress (matrah) • Sofa (suffa) • Sugar (sukkar)

What Do A.M. and P.M. Actually Mean?

If you guessed that the acronyms “A.M.” and “P.M . ” stood for Latin words, you’d be right. “Ante merīdiem” means “before midday,” and “post merīdiem” means “after midday.” Quotes To Live By… “People always say that money is not the key to happiness, but I always figured if you have enough money you can have a key made.” – Joan Rivers, Comedian “ He is happiest, be he king or peasant, who finds peace in his home.” – Johann Wolfgang von Goethe, German Writer “Change happens by listening and then starting a dialogue with the people who are doing something you don’t believe is right.” – Jane Goodall, Scientist

The Clock is ticking …

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Avoid Home Office Overeating With the refrigerator and the pantry RIGHT THERE, it’s oh -so-easy to eat constantly when you work at home. Try these tricks to be more mindful about your meals: • Skip the snack aisles. If you never buy potato chips , you won’t have them at the ready when you need a quick snack. Get snacks with plenty of protein and fiber (like nuts and fresh veggies) to keep you energized throughout the day. • Don’t work near the kitchen. Even if you don’t have a home office, carve out desk space away from the kitchen. You’ll be more conscious of wandering into the kitchen for a snack if it’s on the other side of the house. • Stop working during meals. This is a tough one, but experts agree that it’s much hea lthier to separate working time from eating time. Focusing on a meal means you’ll pay more attention about what— and how much — you’re eating. • Do some meal prep in advance. Meal prep isn’t just for busy weekday dinners! Stocking the fridge with ready-to-eat healthy snacks makes you more likely to reach for carrot sticks than a bag of cheese puffs. • Hydrate. Drinking more water can keep you from guzzling lots of sugary or caffeinated drinks. Both of those can cause the body to crash later on, which you might try to combat by eating or drinking something you don’t really need or want. 4 Easy-Care House Plants The benefits of plants are numerous, but not everyone has the inclination to take on a complicated schedule of watering and fertilizing the household greenery. The good news is that there are many low-maintenance plants that actually seem to thrive on neglect. Here are just a few. ➢ Spider : The long, striped leaves of the spider plant look fantastic in hanging pots, and they’re easy to keep happy. They love to get lots of sunlight and a moderate amount of water, and if they’re really happy you’ll get tendrils of baby plants known as “pups” that you can cut off and plant. ➢ Aloe : This succulent with famous healing powers does well on a scant amount of water as long as it gets lots of light. ➢ Snake Plant : The spiked leaves of this succulent give it one of its nicknames (mother-in- law’s tongue), but no matter what you call it it’s incredibly hearty. Snake plants tolerate both high and low light. Water only when the soil feels absolutely dry. ➢ Pothos : Viney pothos is a staple of offices and rooms without much light — these plants can even survive with only fluorescent light, though the variegated varieties do need sunlight for the colorful leaves to show. This is another plant that prefers to be watered only when completely dry. Here’s A Free, Valuable Resource… Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At BchRealEstate.com

Brain Teaser… What’s one thing that you can never put into a saucepan?

(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: 85-701-8410 . Organizing Is A Piece Of (Cup)Cake When old metal cupcake or muffin tins have gotten a little too rusty in spots to continue baking in them, give them a new job as drawer organizers. They’ll organize hair ties and bobby pins in the bathroom, paper clips and sticky notes in the office, and rubber bands and twist ties in th e kitchen’s junk drawer. Home Decorating Websites The internet is full of inspiration for your next home decor project, but it’s easy to get overwhelmed. Here are a few home- decorating sites you won’t want to miss. houzz.com : Houzz has literally millions of pictures on the site, so it’s an excellent place to start gathering design ideas for any room in your home — you can save them to individual design boards. ikeahackers.net : There are so many creative things you can do with IKEA furniture to make it unique. This site collects all sorts of clever customization ideas that can help inspire your next DIY project. modsy.com : Modsy is an online interior design service. You’ll work with a designer to create the perfect room, including as many design revisions as you need, with a 3D graphic of the room. You can even buy items directly through Modsy with their discount. The service starts at $179/room.

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

Thanks For Thinking of Me!

Real Estate Corner… Q: How do I build wealth in real estate? A: You can build a substantial amount of wealth in real estate by educating yourself, thinking long term, and performing due diligence before purchasing. It’s not a get -rich quick method, but with patience, you can build a nice retirement empire with real estate rental properties. • Stick to moderately priced properties, which can generate a more positive cash flow than higher priced properties. Your tenant’s rent will cover the mortgage, utilities, and additional expenses for you. • Have a property inspection before you purchase the property. Make sure to review the report and all comments the inspector made. Get a few written estimates from contractors to make sure it’s worth the investment. • Verify how much the insurance will cost for the property and if additional rider policies are necessary. • Check if the property is in an HOA community. Their assessment fees can be high and you must deal with required renovations. • Carefully select your tenants and treat them well. Happy tenants stay longer and you save on cleaning, preparation, and advertising costs between each tenant. For more information on building YOUR wealth with real estate, ask for my Free Consumer Report called “8 Dumb Mistakes Even Smart Investors Make.” Do you have a real estate question you want answered? Feel free to call me at 805-701-8410. Perhaps I’ll fe ature it in my next issue! “Who Else Wants To Win $75 Gift card for Lure Restaurant ?” 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: Berniece Reed of thousand Oaks won the drawing. In order to prevent bad energy from following them to a new house, Americans in the early 20 th century did what when they moved out of their old houses? a) sprinkle salt in the doorway b) burn a new beeswax candle c) leave one teacup behind d) burn the dishcloths The answer is d: Burn the dishcloths. According to a 1903 encyclopedia, this was common practice to avoid taking the bad energy wiped up with rags and cleaning cloths. So let’s move on to this month’s trivia question. Queen Victoria inspired many trends. Which of these did not become popular because of Queen Victoria? a) white wedding dresses b) Christmas trees c) bridesmaids wearing the same color d) engagement rings Call Me At 805-701-8410 OR Email Me At florence@BchRealEstate.com And You Could Be One Of My Next Winners!

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.

Brain Teaser Answer: Its lid

So Salty! The Dead Sea is famously salty, but not only is it not the only body of water on earth with extremely high salinity —it’s not even at the top of the list. There are other places like Ethiopia and surprisingly, Antarctica – with bodies of water with higher salinity. Don Juan Pond is the saltiest body of water on the planet- about 18 times saltier than the ocean. Even though it’s in Antarctica, it never freezes because it’s almost half salt (over 40%). Expired Soap? Did you know that soap can actually expire? Dish soap loses its lather after 2-3 years, and experts say laundry detergent should be used within about 6-12 months for maximum effectiveness. 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.

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 Martinique

Asking Price

2125 Martinique

2

2

1114

$799,000 $835,000

Antigua

2 2

2 2

1217 1627

Martinique

2200 Martinique

Capri

$880,000

2214 Cannes

3

2.5

2059

San Tropez

$1,299,000 $953,250

Market Average

Properties Pending …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan Martinique

Asking Price

Martinique

2

2

1113

$799,000 $799,000

Market Average

Sold Propert ies… (07/01/21 Thru 07/20/22) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan Martinique

Date Sold

1933 Majorca

$659,888 $725,000 $779,888 $700,000

$691,000 $725,000 $730,00 $734,000

1217 1368 1368 1368

$567.32 $529.97 $533.63 $536.16

07/21/21

2105 Martinique

Madeira

09/17/21 02/17/22

2015 Majorca

Madeira Madeira

2345 Martinique

07/09/21

4482 Antigua

$739,000

$744,500

1217

$611.75

Martinique

09/22/21

1994 San Tropez

$749,000

$756,500

1217

$477.38

Martinique (Ambassador) 09/29/21

1914 Majorca

$699,000

$765,000

1217

$628.59

Martinique

01/24/22 09/15/21 11/22/21 06/17/22 11/12/21 06/24/22 11/16/21 02/03/22 05/25/22 03/15/22 02/23/22

2167 Martinique 2307 Martinique 2327 Martinique

$779,888 $799,888 $795,000 $803,888 $819,888 $820,888 $839,000 $845,000 $849,000 $849,888 $875,000

$780,000 $780,000 $795,000 $805,000 $805,000 $812,500 $835,000 $836,000 $849,000 $849,888 $850,000

1522 1459 1368 1368 1368 1549 1368 1368 1459 1459 1628

$512.48 $534.61 $580.72 $661.46 $524.53 $610.30 $611.11 $581.90 $582.51 $522.43

Antigua Antigua Madeira Madeira Antigua Madeira Madeira Antigua

1937 Majorca 2005 Majorca 2007 Majorca 1913 Majorca

$588,.02 Madeira

1990 San Tropez 2377 Martinique 2257 Martinique 2311 Martinique

Antigua

Capri

09/22/21

2287 Martinique

$850,000

$850,000

1628

$522.43

Capri

09/20/21

4427 Antigua

$862,500

$867,750

1628

$533.34

Capri

04/01/22 02/18/22

4687 San Sebastian

$869,888

$875,000 $891,800

1807 1627

$484.23 $548.13

Capri Capri

4681 San Sebastian $895,000

04/27/22

2121 Martinique

$899,000

$899,000

1368

$656.68

Madeira

03/23/22 05/10/22 05/04/22 07/16/21 04/26/22 07/30/21 07/07/21 07/20/22 12/21/21

1910 Majorca

$899,000 $875,000 $1,195,888 $1,245,000

$907,000 $955,000

1557 1369

$585.54 $697.55 $496.43 $527.54 $841.94 $804.08 $888.27 $761.52 $616.60

Antigua

2003 San Tropez

Madeira (Ambassador)

2110 Vina del Mar

$1,150,000 2409 $1,245,000 2360 $1,305,000 1550 $1,420,000 1766 $1,900,000 2139

Cannes

2244 Cannes

Vina del Mar

1985 San Sebastian $1,299,000

Antigua (Ambassador)

4760 San Sebastian

$1,595,888

Capri (Ambassador)

2315 Vina del Mar $1,999,000

San Tropez

2211 Vina del Mar Market Average

$2,050,000 $ 923,990

$2,050,000 2692

Costa de Oro

$ 928,913

RE/MAX represented buyer, seller or both . Properties as of July 20, 2022 and may not be listed by RE/MAX. Information herein has not been verified, is not guaranteed, and is subject to change

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

Sunset Harbor

$850,000 $975,000 $912,500

1401 1474

Villa Villa

Market Average

Pending … Address

List $

Sq.Ft. Floor Plan

LaBrea

$775,000

1135

T-3

Market Average

$775,000

Sold Properties (07/01/2021 – 07/20/2022 Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3035 Harbor 2957 Harbor 3134 Sunset

$490,000 $565,000 $649,500

$540,000 $572,000 $620,000

781 925 925

$691.42 $618.38 $670.27

Plan A Plan C

09/29/21 03/25/22 02/25/22 07/30/21 07/21/21 08/18/21 10/14/21 07/09/21 08/06/21 07/16/21 03/30/22 08/30/21 06/14/22 02/25/22 08/25/21 12/17/21 06/09/22 03/11/22 11/01/21

Plan C (end unit)

2947 Harbor

$650,000

$632,500

1198

$527.96

Plan D

4514 LaBrea 3110 Sunset 2943 Harbor 2949 Harbor 3013 Harbor 4531 La Brea 2943 Harbor 3354 Sunset 3540 Sunset 3224 Sunset

$659,000 $690,000 $699,000 $769,000 $769,000 $800,000 $797,000 $825,000 $900,000 $865,000

$680,000 $689,900 $700,000 $755,000 $764,000 $800,000 $817,000 $845,000 $850,000 $865,000

1319

$515.54 $745.83 $584.31 $630.22 $677.30 $568.99 $681.96 $542.01 $576.66 $617.42

T-2

925

Plan C (end unit) Plan D (end unit)

1198 1198 1128 1406 1198 1559 1474 1401

Plan D Plan B

Villa

Plan D (end unit)

Villa

T-2

Villa

3364 Sunset

$899,000

$899,000

1485

$605.39

Villa

4505 La Brea

$950,000 $999,997

$960,000 $999,997

1401 1489

$685.22 $671.14

Villa Villa

3145 Harbor

3125 Harbor Blvd $999,000

$1,000,000

1489

$671.59

Villa

3264 Sunset

$900,000

$1,052,750

1485

$708.92

Villa (end unit)

Market Average $619.74 Bold: REMAX Represented Buyers, Sellers or Both $766,382 $765,588

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of July 20, 2022. 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