August 2024

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

Protect Your Hard-Earned Money

You work hard for your money, so it’s important to keep it as safe and secure as possible. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn how to keep your hard -earned money safe while still being accessible. You’ll also learn how to recycle your electronics, what your morning drowsiness or absentmindedness could be a symptom of, and how to keep your yard green while saving money – plus fun facts, a trivia challenge, and lots more!

LISTING INVENTORY (months) 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 CLOSED ESCROWS ACTIVE LISTINGS

January February

23 20 13 14 7 11 13 13 20 8 17 20 27 16 12 17 18 23 10 3 8 22 20 11 10 22 34 26 15 7

80 22 21 22 20 4.14 1.19 0.92 1.48 1.88 92 23 21 26 24 4.68 1.55 0.53 1.54 1.7 89 17 12 28 20 4.68 0.53 0.92 1.83 0.61 93 29 21 34 28 4.29 1 1.27 2.27 2.79 78 28 30 35 30 4.38 0.62 1.86 2.55 3.2 80 18 47 37 32 4.05 1.23 1.69 2.48 90 14 22 30 19 4.9 0.86 0.88 2.1 2.5

March

April May June

July

46 30 17 17 32 28 19 17 45 27 14 11 49 26 16 13 19 25 7 11 29 18 15 5

4 thru 7/23

August

62 34 37 36 51 20 35 34 34 16 37 32 41 20 39 31 32 21 33 23

4.78 0.73 1.65 2.23 1.5 0.62 1.85 2.27 1.8 0.9 2.03 2.97 1.23 0.875 2.19 1.62 0.89 0.897 1.26 1.5

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

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

Protect Your Hard-Earned Money

Mistakes When Selling Your Home.” Call me right now at 805-701-8410 to learn more …

August 2024 Oxnard, California

You work hard for your money, and keeping it safe and secure — not to mention accessible — is certainly important. Aside from hiding your money in your mattress, there are better ways to keep both cash and online transactions more secure. Whether you work with a financial advisor or manage your money on your own, here are a few ways that you can help to keep your money safe. authentication with your bank and credit card companies. Once you sign into your account with your username and password, you will get a code via text message on your cell phone. Simply enter the code when prompted and you’re all set. Remember: don’t share this code! Emails or texts asking for it are probably scammers “phishing” for your information. • If the money deposited in your savings account is just sitting there, consider investing instead in certificates of deposit (CDs) or money market accounts: money invested in either of these is guaranteed by the Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration. Your banker can help you determine which investment is best for you and your goals. Plus, your savings will start actually making you some dividends. • Smartphone apps like Venmo and Paypal are terrific ways to transfer money to friends and family, but you may not want to leave a balance sitting in your account for too long — many cash apps are not insured, so if they disappear, so does your money. • If you do decide to keep a large sum of cash at home, you may want to invest in waterproof and fireproof safe to keep it safe and sound. • Stay one step ahead of the scammers by setting up two-factor 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.

Inside This Issue…

Keeping Your Money Safe …Page 1

How To Recycle Electronics …Page 2

Sleep Apnea, Snoring and Energy …Page 3

Save Money and Water With These Lawn Tips…Page 4

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

What Can I Ask The Seller To Pay For When Buying A Home?...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!)… Meaning: A grassy, open space found within a forest. Sample Sentence: After hours of hiking, the group of friends enjoyed a picnic in the sun-dappled glade. Keep Your Grill Clean Grilling outside is a summertime tradition. Hamburgers, hot dogs, corn on the cob and even peaches — everything seems to taste better when it’s grilled . Just make sure to keep your grill in good shape! Here, some tips to keep your grill clean all season long. Once the fire is burning, let the grill grate heat up and use a grill brush to get rid of any remaining food. Dip a wad of paper towels into oil and wipe over the grate, using tongs to avoid burning yourself. Though it’s tempting, do not clean the grate after you finish grilling. The charred food will help protect the grate until you grill again. Did You Know? The largest scoop of ice cream comes from Kemps Dairy in Wisconsin, in celebration of its 100th anniversary in 2014. The flavor of all 3,010 pounds? Strawberry. Quotes To Live By… “ When your mother asks, ‘Do you want a piece of advice?’ it is a mere formality. It doesn’t matter if you answer yes or no. You’re going to get it anyway. ” – Erma Bombeck, humorist • • Glade (glayd) noun •

Recycle Your Electronics We’ve all been there. You get a new TV, computer, video gaming system, or smart phone, but don’t know what to do with your old one. Should you toss it in the trash or your recycle bin? The fast answer — NO. Our electronics contain myriad elements that are not only precious, like gold, silver and platinum, but can extracted and used again. These tips can help you find the best way to recycle your electronics. Also, check with your city to see what options may be available. Some cities provide drop-off points for residents. information you don’t want to share if your hard drive goes to someone else. First, back up your drive to either the cloud or another drive. Then, read your owner’s manual (you can find these online) and perform a “factory reset” before recycling or donating. • Return To Seller . If you bought your electronics from a big box store like Best Buy, Apple, Staples, Walmart and more, you may be able to recycle them there, too. • Donate . A lot of us like to have the latest and greatest when it comes to technology, but that doesn’t mean our old devices are no longer useful. Check with your local non-profit organizations and institutions to see if they accept donated electronics, like domestic violence shelters for cell phones or old laptops. Thrift stores may be another option. Computers with Causes (computerswithcauses.org) provides computers and tablets to those in need in all 50 states. • Recycle Sustainably . If you do need to recycle on your own, be sure and find an organization recognized by the U.S. Environmental Protection Agency (EPA). e-Stewards (e-Stewards.org) can direct you to the electronics recycling center nearest you. Call2Recycle.org, Earth911.com and GreenerGadgets by the Consumer Technology Association (www.cta.tech/landing-pages/greener-gadgets) are other recycling clearinghouses that may be able to help. • Clean It Up . Most of our electronics these days contain private

Stay Cool Come To The Beach!

“It’s always summer somewhere.”

– Lilly Pulitzer, fashion designer

“ Live in the sunshine. Swim in the sea. Drink the wild air .” – Ralph Waldo Emerson, poet

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

Do You Feel Drained After A Full Night’s Sleep? If you wake up in the morning after a full night’s sleep feeling tired, or if your partner says that you snore overnight, you may want to take a look at your sleep patterns. Snoring and sleep apnea can quietly deplete your energy, and you may not even know you’re suffering. The Sleep Apnea Foundation says that 10 to 30% of American adults may have sleep apnea, and not even know it. If you’re extremely tired during the day, experience morning headaches, or are told that you do snore, you may have sleep apnea. Sleep apnea is a condition in which people stop breathing, bringing them into a lighter state of sleep or even awakening them from five to 30 to more times an hour. Many tech gadgets like an Apple Watch or FitBit may indicate interrupted sleep patterns and clue you in to a sleep issue. After talking with your doctor, they may have you take a sleep test. Depending on the severity of your case, you may use a device to help with air flow overnight (a CPAP). Less severe cases can be managed with weight loss, sleeping on your side and staying hydrated.

Brain Teaser… What is always in front of you but can’t be seen?

(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, Have a Laugh Which bathroom appliance would be the worst life preserver? The sink. Keep Your Produce Fresh There’s nothing worse than buying fresh fruits and veggies only to have them go bad a day or two later. Here are some tips that can help keep your fruits and veggies fresh. Place a paper towel in a bag or box of lettuce and greens to absorb moisture. Wrap cucumbers in a paper towel before putting in the fridge or on the counter. Place stems of herbs like cilantro and basil in a jar of water and keep in the fridge or on your kitchen counter. Mix one part white vinegar and 3 parts water, dip fruits and veggies and wash thoroughly to prevent mold and rotting. Back to School Websites It’s nearly time to go back to school. These websites can help. www.pbs.org/parents/back-to-school – Tips and games to help your kids get ready to go back to school. • • • •

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.

Keep Your Yard Green While Saving Green The hot days of summer usually mean that we need to water our lawns more, and more often, if summer storms aren’t part of your everyday weather pattern. And watering more can wash more dollars right down the drain.

Take a look at a few ways you can keep your yard green while saving some green at the same time.

1. If you have a sprinkler system, have an expert come out to take a look to ensure it’s performing to the best of its ability, and that it’s not spraying water onto undesired areas, like your driveway or the street. 2. Early-morning watering, before 8 a.m., is actually beneficial to your yard. A 15- to 20-minute watering session will enable the water to reach the roots, then the sun will dry it out a little to prevent fungus or disease. 3. Spreading a layer of mulch over your plant beds will help keep moisture in so you’ll need to water less. 4. Check in with your local city or county officials to see if there are any water restrictions to be aware of — the last thing you want to do is incur a fine for watering when you’re not supposed to.

www.edukitinc.com – Pre-packaged school supply kits

classroomzen.com – Bring a sense of calm to your child’s study space.

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

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

Thanks For Thinking of Me!

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: Leslie Druss of The Colony. What music agent turned cookie magnate used to attract artists to meetings with homemade cookies? a) Margaret Rudkin of Pepperidge Farm b) Sam Porcello of Nabisco c) Wally Amos Jr. of Famous Amos d) Ruth Wakefield of Nestle Answer: c) Wally Amos Jr. was a talent agent for the William Morris Agency, representing acts like Simon & Garfunkel, The Temptations, and Marvin Gaye. And when he eventually started his cookie business in 1975, he did so with loans from Marvin Gaye and Helen Reddy. So let’s move on to this month’s trivia question. What sport makes its debut at the 2024 Summer Olympics in Paris? a) Skateboarding b) Karate c) Surfing d) Breaking

Brain Teaser Answer:

The future.

Dog Days Of Summer Having begun on July 3, the 40-day long Dog Days Of Summer end August 11. This period of time is so called because of the rising of Sirius, or the Dog Star. Ancient Egyptians, Greeks and Romans thought that Sirius’ rise was the cause of the hot temperatures we usually experience in the summertime. Sirius is the second brightest star in the sky, behind the sun. August’s Stars Babies born in August fall into one of two astrological signs: Leo (July 23 – August 23) or Virgo (August 24 – September 23). A fire sign, Leo traits include vivacious, passionate and enjoy basking in the spotlight. An earth sign, Virgos are traditionally logical, practical and perfectionists at heart. 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@BchRealEstat.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.

Call Me At 805-701-8410 OR Email Me At florence@bchrealetate.com And You Could Be One Of My Next Winners!

Real Estate Corner…

Q. What can I ask the seller to pay for when buying a home?

A. Remember, everything you ask from a seller is a concession in their mind. Whether you’re asking them to lower the price, make a decorating allowance or contribute to your closing costs, they are primarily interested in the bottom-line dollar proceeds at closing.

Here are a few things to keep in mind:

Negotiations can be tough if you try to get the seller to both lower the price and also make other concessions or contributions to your closing costs too. It can actually compromise your ability to come to an agreement.

Appraisers are now asked to consider the dollar value of any seller concessions when they determine the value of the home you are purchasing.

Lenders will limit the contributions made by the seller without lowering your loan amount. It is important for you to ask your lender what they will allow the seller to pay. If you’d like to learn more about the home -buying process and how to get the home of your dreams at a price you can afford please call me at: 805-701 8410. I am here to help.

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. ”

Active Listings …

Address Antigua Antigua Majorca

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

2 2 2 2

2 2 2 2

1217 1368 1627 1368

Martinique

$875,000 $949,888 $930,000 $965,000 $959,888 $939,955

Madeira

Capri

2155 Martinique

Madeira

San Sebastian

2

2

1807

Capri

Market Average

Sold Propert ies… (04/01/23 Thru 07/23/24) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2212 Martinique 1905 Majorca 2043 Majorca 4475 Antigua 2360 Vina del Mar 4683 San Sebastian 2151 Martinique

$695,000 $749,000 $795,888 $799,000 $999,900 $908,000 $839,000

$685,000 $739,00 $795,888 $799,000 $884,000 $884,000 $892,000

1113 1217 1218 1217 2692 1368 1627

$615.45 $607.23 $653.44 $655.99 $328.38 $646.20 $548.25

Martinique (Phase I)

06/15/23

Martinique

05/23/23 11/14/23 05/25/23 04/26/23 05/24/24

Martinique Martinique

Costa de Oro

Madeira

Capri

05/12/23

2067 Majorca

$839,000

$892,000

1627

$548.25

Capri

06/28/23

2135 Martinique

$899,000

$890,000

1368

$650.58

Madeira

01/19/24

2041 Majorca

$899,000

$890,000

1550

$574.19

Antigua

03/25/24 07/05/23 04/24/24

4481 Antigua 1925 Majorca

$895,000 $949,888 $925,000

$895,000 $900,000 $903,000

1217 1627 1549

$653.96 $553.17 $582,00

Martinique

Capri

2117 Martinique

Antigua

03/25/24

1971 Majorca

$965,000

$960,000

1801

$533.04

Capri

10/10/23 10/18/23 10/27/23 05/15/24 10/27/23

2335 Vina del Mar 2263 Martinique

$965,000 $984,000

$965,000 $975,000

2059 1628

$468.67 $598.89 $729.74 $706.39 $529.66

San Tropez

Capri

2015 Majorca

$988,888

$998,288

1368

Madeira

4700 San Sebastian 2123 Vina del Mar

$1,246,888 $1,150,000 1628 $1,285,000 $1,250,000 2360

Capri (Ambassador)

Vina del Mar

08/25/23

2337 Vina del Mar

$1,450,000 $1,300,000 2360

$550.85

Vina del Mar

04/26/23

2355 Vina del Mar

$1,595,000 $1,595,000 2692

$592.50

Costa de Oro

03/18/24 03/22/24

2335 Vina del Mar Market Average

$1,595,000 $1,610,000 2059

$550.85 $601.52

San Tropez

$ 1,009,880 $ 986,509

RE/MAX represented buyer, seller or both.

Properties as of July 23, 2024 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

Harbor Blvd Sunset Lane Harbor Blvd Harbor Blvd

$550,000 $705,000 $739,000 $968,000 $955,000 $949,995 $811,165

925

Plan C Plan D Plan C

1198

925

1401 1402 1334

Villa Villa

3250 Sunset Lane

Sunset Lane

T-2

Market Average

Pending … none

Sold Properties (01/01/2023 – 07/28/2024 Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3128 Sunset 4536 La Brea 3600 Sunset 2957 Harbor 3330 Sunset 3140 Sunset 3334 Sunset 3225 La Brea 3604 Sunset 3224 Sunset

$575,000 $699,000 $729,000 $699,000 $799,000 $749,000 $789,000 $899,000 $899,000 $865,000

$530,000 $675,000 $682,000 $690,000 $692,500 $730,000 $750,000 $825,000 $859,000 $865,000

925

$572.27 $594.71 $600.88 $745.95 $469.49 $564.14 $508.47 $555.56 $651.25 $617.42 $676.39 $685.11

Plan C

04/15/24 11/02/23 02/07/24 02/02/23 01/04/24 08/31/23 03/08/24 11/21/23 06/30/23 02/25/22 03/21/23 05/05/23

1135 1135

T-3 T-3

925

Plan C

1475 1294 1475 1485 1319 1401 1474 1518

Villa

Plan D

Villa

Villa (end unit)

T-2

Villa

3544 Sunset

$995,000

$997,000

T-1

3241 Harbor

$1.049,000

$1.040,000

Villa

3380 Sunset

$1,177,000

$1,100,000

1475

$745.76

Villa (end unit)

08/28/23

Market Average $612.96 Bold: REMAX Represented Buyers, Sellers or Both $809,076 $772,346

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of July 28, 2024 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