February 2018
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 BRE#01040021 (805) 701-8410 E-mail: Florence@BchRealEstate.com
Do You Have Medical Debt?
Millions of Americans are strapped with medical debt. In today’s Service For Life ! ® Free consumer newsletter, we offer tips for managing medical bills before they get out of hand.
You’ll also learn strategies for helping kids develop healthy lifestyle habits, simple tips for a happy relationship, and how to keep the kitchen organized – plus fun facts, a trivia challenge, and lots more. But first… Here’s what’s happening in your neighborhood. Sales statistics for Mandalay Shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, The Colony, HarborWalk, Harbour Island and C.I. Waterfront Homes. Note: An inventory of less than 6 months is considered a seller’s market; more than 6 months, a buyer’s.
Closed Escrows
Active Listings
Inventory (months)
2014 2015 2016 2017 2018
2014 2015 2016 2017 2018
2014 2015 2016 2017 2018
January February
15 11 17 21 8 thru 1/18
66 50 62 75 70 3.41 2.48 2.7 4.02
15 16 14 18 18 25 18 34 20 19 17 18 19 29 23 20 24 24 21 44 25 28 24 22 28 28 22 30
73 53 63 84 81 72 70 84 74 87 80 88 94 95 74 107 102 96 83 112 112 99 102 102 115 95 112 103 108 91 106 95 93 87 107 96 75 75 93 61 66 64 83 63
4.32 2.78 3.03 3.95 3.65 3.03 3.69 3.9 4.7 4.33 3.58 4.72 5.35 4.22 3.8 4.99 5.89 4.35 4.73 4.19 5.63 4.3 5.27 4.26 5.75 4.13 5.11 3.82 4.77 3.83 5.18 3.83 3.33 3.33 4.52 2.4 3.19 2.8 4.06 2.45 2.5 2.81 3.64 2.54
March
April May June
July
August
September 18 27 26 29
October
40 25 24 28
November 17 21 19 23 December 21 20 22 11
Coming up in The Colony: Madeira floor plan (largest downstairs model) with beautiful wood floors and a great location near the clubhouse, main pool and tennis courts. Asking: $595,000. Also an upper level (Capri floor plan) in a 4-plex building, Ambassador series coming soon …and just opened escrow on 2601 Captains in Las Palomas. A great single level 2 bedroom condo with garage attached. Asking: $449,000 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
Florence’s…
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 Monitor medical debt on credit reports: Medical debt can only be posted to a credit report after 180 days, so use this time to catch up on unpaid bills and correct discrepancies pending with insurance companies. If paid debt does appear on a credit report, take proactive steps to remove it. After contesting paid medical debt on your credit report, continue to monitor your report and follow up to ensure the debt is removed in a timely manner. Communicate with your provider: Upon receiving a medical bill, take action even if you can’t pay right away. Try to set up a payment plan allowing you to pay small increments of the bill over time. Many providers will hold out on sending bills to a collections agency if you proactively and consistently pay toward the amount owed. Ask for an itemized bill: Auditing everything on a medical bill helps demystify why you owe money and helps to clarify any mistakes and uncover fraud. If there is an expensive procedure on the bill you did not agree to (but were in a condition to understand throughout treatment), you can fight the charge. Keep records: Make copies of all canceled checks, receipts, and account statements. These things are needed if you have to dispute a credit report error. If speaking to someone in person or by phone, keep detailed records about every conversation. Offer to pay a lump sum: If you’ve been making consistent payments and the amount due finally reaches a point you can pay off, ask if you can pay remaining debt in one lump sum at a slightly lower amount than if you continued making ongoing payments. Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Getting Control Of Medical Debt First it starts with a doctor’s appointment, and then there’s the follow-up appointment, medication, and therapy. One medical expense can quickly turn into several, and one co-pay or bottle of pills can add up to thousands of dollars before you realize what has even happened. Be proactive and start digging yourself out of that medical debt with these tips:
Selling Your Home Soon? You’ll need my Free Consumer Guide titled, “6 Steps For Selling Your Home For TOP DOLLAR.” Call me right now at 805-701-8410 to get a copy…
February 2018 Oxnard, California
Inside This Issue…
Get Out Of Medical Debt…Page 1
Teaching Kids Healthy Habits …Page 2
Boost Your Relationship…Page 3
Kitchen Organization Tips…Page 3
Answer This Trivia Question and You Could Win $75 Gift Certificate for Lure Restaurant...Page 4 Why Is It So Important to Do A Walk-Through Before Closing On 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 term now being used by job seekers to indicate consideration of a career change or professional direction. As a noun, it means a change in direction due to uncertain business conditions. Sample Sentence: As a seasoned journalist, she wanted to pivot and use her professional skills in more of a marketing capacity. Finders Keepers Can’t find your keys (or another small object)? Stay calm. Look for the object where it’s supposed to be and in close proximity to that location. Be systematic. Thoroughly search a select area and then move on. Don’t re-search areas. Search areas with clutter. Prevent lost time by looking in areas where an item is easy to overlook among other items. Retrace your steps. Vividly try to walk through the actions, feelings, and context of when you last had the item. Avoid creating a false memory. If searching with someone else, ask open-ended questions – not questions like “Remember, we saw it in the hallway?” Banned Veggies Which vegetable was banned from the Mayflower ? The leek! Quotes To Live By… “I haven’t failed. I’ve found 10,000 ways that don’t work.” Pivot (piv-et) verb
Help Kids Build Healthy Habits From choosing healthy meals to creating positive relationships, there are lots of little things adults can do every day to instill good habits in kids. Exercise regularly as a family, and make it fun! Go for evening walks in the park, take advantage of open swim days at the gym, and ride bikes together. Eat a healthy diet. Start early with introducing a rainbow of produce and minimizing sugary snacks. Maintain – and reflect – a positive outlook. Kids mirror what they hear and see, so use positive reinforcement and praise appropriately. Celebrate your successes as well as theirs. Keep screen time to a minimum. Sedentary behavior is known to increases risks for obesity and cardiovascular disease, and it’s not conducive to positive social or mental growth either. Set a daily limit for TV viewing, video games, and smartphone usage and stick to it. Read every day. Incorporate this habit into playtime or bedtime routines to help build self-esteem and success later in life. Encourage kids to explore a myriad of activities to find one (or more!) they really enjoy. Whether singing in a choir, playing soccer, taking language lessons, or volunteering with a youth group, kids will meet others with similar interests while also developing their self-identity. Eat dinner as a family, and use this opportunity to maintain open lines of communication with everyone around the table. Mental Social Physical
–Thomas Edison
“Time you enjoyed wasting was not wasted.”
–John Lennon
“Be thankful for what you have and you will end up having more.” –Oprah Winfrey
Get Free money-saving home tips at my web site: BchRealEstate.com
Simple Relationship Tips A happy, healthy relationship with your significant other doesn’t ride on fancy flowers, heart-shaped chocolates, and an annual celebration on Valentine’s Day. In fact, sometimes it’s the small things that mean the most in a relationship with your loved one. Start small with these ideas. Set the smartphone down. Offer your undivided attention with time set aside for the two of you – no phones allowed! Perhaps this is over dinner in the evenings, in the bedroom, or on a once-a-week date night out (or in).
Brain Teaser… There was a plane crash, and every single person on board died. Yet, two people survived the crash. How?
(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 Quiet The Kitties Does your cat incessantly scratch and meow once you’ve closed the bedroom door at night? Put an end to it! Make sure there are no underlying medical issues that are causing late- night disturbances. Encourage activity in the evening to help tire the cat out. Place a deterrent such as aluminum foil, sticky tape, or a tray of rocks in front of the closed door. If space allows, set up a cozy room specifically for the cat. Do NOT give in to the scratching and meowing. That just reinforces the bad habit. Side Stitch? Nothing cramps a run like the dreaded side stitch. If one sneaks up on a run, slow the pace and exhale as the foot on the opposite side of the stitch hits the ground. It’s unnecessary to do this on every exhale, but sync up the breath and foot strike to alleviate the cramp. Home Workout Websites Don’t have time to make it to the gym? DIY with a home workout! www.YogaDownload.com – Offering thousands of yoga classes in a variety of styles. www.FitnessBlender.com – Choose the perfect workout based on training type, equipment, time available, and difficulty level. www.YouTube.com – There are thousands of fitness-related YouTube channels. Search for the kind of workout you want to narrow options.
Say thank you. Don’t take your partner for granted. Acknowledge and appreciate even the small things like cooking dinner or doing the dishes.
Do something he/she likes to do. Embrace your partner’s differences. Next time you choose a movie together or look for a weekend activity, get out of your comfort zone and try something that’s not generally your style. And, the time after that, encourage your partner to do the same.
Dress up. When you go out for a date night, dress up. Don’t fall into the familiar comfort rut. Keep things fun with a little flirtation.
Answer our Trivia Question… …and your name will be included in the drawing for the $75 Gift Card for Lure Restaurant. You have until the 10 th of the month to submit your answer. One win per household every 90 days.
Keeping The Kitchen Organized From that first bowl of cereal to the final midnight snack, kitchens are among the most used rooms in the house. Organize it now to make it easy to get around and find what you need later. Separate dedicated areas. Keep areas for prepping, cooking, and storing food, and then keep similar items – such as baking equipment – together within each of these places. Store items in clear containers. Small items like tea bags and gravy mixes should be stored with like items in a storage unit that can be easily identified with a quick peek. Invest in risers and drawer dividers. It’s much easier to access cookware and dishes in cabinets if they’re sorted and stacked on risers. Ditto for small items separated using drawer dividers. Think seasonally. If you don’t use that crock pot in the summer or the ice tea container in the winter, tuck them out of sight and out of mind until the proper season rolls back around. Look for a lazy Susan. On countertops, they can be used for oils, spices, and other ingredients you might need at a moment’s notice. And in the pantry, use them to store cans, jars, and condiments.
Get Free money-saving home tips at my web site: BchRealEstate.com
Thanks For Thinking of Me!
“Who Else Wants To Win $75 Gift Certificate 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: Doug Kierbel of The Colony won the drawing for my quiz question. In what 2011 noir movie was Hugh Jackman replaced by Ryan Gosling? a) Crazy, Stupid Love b) The Ides of March c) Stay d) Drive The answer is d) Drive. Ryan Gosling also brought on a new director for the movie, Nicolas Winding Refn. So let’s move on to this month’s trivia question. A set of twins born in 2013 named Amy and Katie set a world record. Why? a) Conjoined at the feet b) Longest amount of time between births c) Most amount of hair d) Born on different continents
Brain Teaser Answer:
The plane crash survivors were married.
Give With Confidence GoFundMe.com is a fundraising site for people and projects raising money in the face of natural disasters, personal calamities, or other financial problems. Unfortunately, there are some unsavory folks hoping to claim money as well. Here’s how to know your money is funding a legitimate purpose: Avoid campaigns with minimal information about specific issues or financial problems. Perform a reverse image search on Google. Right click on the main photo and select “Search Google for Image.” If there are a lot of results, the photo was stolen and the campaign likely isn’t real. Contact the fundraiser. Click on the little green envelope to send an email if you want clarification or have questions. 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.
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…
Get Free money-saving home tips at my web site: BchRealEstate.com Do you have a question related to real estate or home ownership? Please call me at <
Florence’s…. 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
San Tropez Vina del Mar San Sebastian
2 3 2
2 3 2
1369 2360 1550
Madeira (Ambassador)
$649,000 $899,888 $1,295,888 $948,258
Vina del Mar
Antigua (Ambassador)
Market Average
Homes Accepting Back-Up Offers…
Address Antigua
Bdrms
Baths
Sq. Ft.
Floor Plan Martinique
Asking Price
2 2 2
2 2 2
1217 1368 1459
$499,888 $499,999 $635,000 $544,962
Martinique
Madeira Antigua
2227 Martinique
Market Average
Sold Properties… (01/01/17 Thru 01/20/18) Address List $ Sale $
Sq.Ft. $/sq.ft
Floor Plan
Date Sold
4685 San Sebastian
$499,888 $517,000 $525,000 $549,000 $529,000 $559,000 $550,000 $569,000 $599,000 $599,000 $570,000 $625,000 $599,900 $590,000 $629,000 $649,900 $749,000 $859,888 $899,888 $939,000 $999,888 $45,962 $599,000 $610,000 $614,888
$475,000 $510,000 $520,000 $520,000 $529,000 $543,000 $545,000 $555,000 $565,000 $570,000 $575,000 $580,000 $590,000 $605,000 $629,000 $649,900 $695,000 $839,888 $840,000 $935,000 $999,888 $632,203 $595,000 $595,000 $600,000
1369 1113 1113 1368 1368 1113 1369 1550 1459 1550 1369 1627 1368
$339.29 Madeira
01/06/17 11/01/17 12/12/17 06/26/17 10/31/17 03/29/17 01/17/17 07/24/17 05/15/17 02/03/17 06/05/17 06/23/17
2210 Martinique 2244 Martinique 2013 Majorca 1902 Majorca
$458.22 Martinique (phase I) $467.20 Martinique (phase I)
$380.12 Madeira $386.70 Madeira
2185 Martinique
$487.43 Martinique (phase I)
4445 Antigua 4457 Antigua
$398.10 Madeira $358.30 Antigua $344.19 Antigua $367.98 Antigua
2251 Martinique 2001 Majorca 1990 San Tropez 2157 Martinique 2363 Martinique
$427.01 Madeira (Ambassador)
$356.48 Capri
$431.29 Madeira
10/18/17
1967 Majorca
1550
$384.12 Antigua
08/25/17
4467 Antigua
1627
$365.70 Capri
08/31/17
2301 Martinique
1459
$411.24 Antigua (phase I)
10/13/17
4425 Antigua
1368 1627
$442.25 Madeira $386.60 Capri $359.66 Capri
10/04/17 06/19/17 04/05/17 09/01/17 01/20/17 08/25/17 12/11/17 03/30/17
2287 Martinique 2231 Martinique 2017 San Sebastian 1983 San Sebastian 2123 Vina del Mar 2350 Vina del Mar 1981 San Sebastian Market Average
180
1218 1369 2360 2692 1628
$570.61 Martinique (Ambassador) $613.15 Madeira (Ambassador)
$355.93 Vina del Mar $347.33 Costa de Oro
$614.18 Capri (Ambassador)
$418.36
RE/MAX represented buyer, seller or both . Properties as of Jan 20, 2018 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. ”
Homes Currently Active … Address
Bdrms
Baths
Sq. Ft.
Floor Plan
Asking Price
Sunset Harbor
2 3
1 3
925
Plan C
$479,000 $799,000 $639,000
1485
Villa
Market Average
Sold Properties (09/01/16 Thru 01/20/18) Address List $ Sale $
Sq.Ft. $/sq.ft
Floor Plan
Date Sold
3024 Sunset 3024 Sunset 3674 Sunset 3045 Harbor 3121 Harbor 3140 Sunset 3684 Sunset 4522 LaBrea 3650 Sunset 3009 Harbor 4506 La Brea 3634 Sunset 3480 Sunset 3550 Sunset 3380 Sunset 4501LaBrea
$459,900 $480,000 $509,000 $517,000 $509,000 $499,000 $550,000 $519,000 $535,000 $529,000 $549,000 $569,000 $599,000 $669,000 $729,000 $785,000 $565,326
$452,500 $485,000 $495,000 $500,000 $500,000 $504,000 $505,000 $517,000 $517,000 $517,500 $539,000 $545,000 $588,000 $655,000 $719,000 $750,000 $552,600
925
$489.19 $406.46 $335.82 $417.36 $356.63 $389.49 $444.93 $455.51 $391.96 $458.78 $365.67 $413.19 $445.79 $496.59 $487.46 $505.05 $437.36
Plan C Plan C
09/23/16 09/22/17 09/09/16 07/28/17 12/30/16 03/10/17 09/28/17 06/14/17 06/14/17 10/31/17 12/27/16 10/06/17 11/06/17 12/21/16 12/20/16 04/28/17
925
1474 1198 1402 1294 1135 1135 1319 1128 1474 1319 1319 1319 1475 1485
Villa
Plan D
Villa
Plan D
T-3 T-3 T-2
Plan B
T-1
T-2 T-2 T-2
Villa Villa
Market Average
Bold: REMAX Represented Buyers, Sellers or Both
The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of Jan. 20, 2018. 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.
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