December 2022

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.

“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: Fran Hafelfinger of Newbury Park.. In what popular ‘90s TV series was there a character called Carlton? a) The Simpsons b) Flash Forward c) The Fresh Prince of Bel-Air d) The X-Files The answer is c) The Fresh Prince of Bel-Air, which streamed 1990-1996 and has just made a comeback, 31 years later! Now, let’s move on to this month’s trivia question.

Brain Teaser Answer: They are both in the middle of water.

Wrap Gifts Like A Pro You’ve found the perfect gift and now it’s time to wrap it, but how? In addition to taking your time, here are a few tips to giftwrap like a pro. • Place the gift in a box to avoid odd shapes to tackle. • Pre-cut tape to leave hands free for wrapping. For a real pro move, use double-sided tape. Measure the gift with wrapping paper before cutting to avoid coming up short. Add an extra inch or so for overlap. • Fold the cut edges of wrapping paper for crisp lines. Add a wow factor (or cover up any mishaps) with a decorative bow. Tie on a gift tag and voila – your gift is ready to give! • • 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 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. • Say This 3 Times Fast … The sixth sick sheik's sixth sheep's sick.

Which object does a male penguin gift to a female penguin to win her over? a) Ice cube b) Feather c) Fish d) Pebble

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

Real Estate Corner…

Q. How can I secure a low mortgage interest rate?

A. Securing a low mortgage interest rate helps make your monthly payment more affordable and saves money over the life of your loan. Besides using a larger down payment, here are three things to do to secure a low mortgage interest rate: 1. Compare multiple lenders and meet with your top three. Review the application process and your credit report to start working on any issues you may have. The higher your credit score, the better prospect for a lender you will become. Lenders will review the various loan programs with you. 2. Your debt-to-income ratio should be below 36 percent before you apply for a mortgage. The lower it is, the greater your eligibility for a higher loan amount. 3. Don’t make any drasti c changes such as changing jobs or making large purchases on credit cards. You want lenders to see you have a stable job history and ability to make the payments.

To learn more, call me to request my Free Consumer Report called “7 Secrets For Saving Tho usands When Financing.”

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