January 2019
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
What Financial Areas Should You Focus On At Your Age?
To get the most mileage out of your money, there are certain things you should be doing at different times of your life. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn tips on where to put your financial focus, regardless of your age. You’ll also learn how to clean single-serve coffee makers, top tips for keeping your garage organized, and suggestions for finding joy as a caretaker – plus fun facts, a trivia challenge, and lots more. But first… Here’s what’s happening in your neighborhood. Here are the sales statistics for: Mandalay Shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, including The Colony, HarborWalk, Harbour Island, HarborsWest, C.I. Waterfront Homes
Closed Escrows
Active Listings
Inventory (months)
2014 2015 2016 2017 2018
2014 2015 2016 2017 2018 15 11 17 21 21 15 16 14 18 12 18 25 18 34 28 20 19 17 18 19 19 29 23 20 31 24 24 21 44 22 25 28 24 22 15 28 28 22 30 32
2014 2015 2016 2017 2018
January February
66 50 62 75 70 3.41 2.48 2.7 4.02 2.13 73 53 63 84 53 4.32 2.78 3.03 3.95 2.59 81 72 70 84 63 3.65 3.03 3.69 3.9 2.51 74 87 80 88 60 4.7 4.33 3.58 4.72 2.42 94 95 74 107 54 5.35 4.22 3.8 4.99 2.82 102 96 83 112 70 5.89 4.35 4.73 4.19 4.2 112 99 102 102 97 5.63 4.3 5.27 4.26 4.1 115 95 112 103 92 5.75 4.13 5.11 3.82 4.21 108 91 106 95 95 4.77 3.83 5.18 3.83 3.67 93 87 107 96 81 3.33 3.33 4.52 2.4 4.13 75 75 93 61 87 3.19 2.8 4.06 2.45 3.81 66 64 83 63 79 2.5 2.81 3.64 2.54
March
April May June
July
August
September 18 27 26 29 23
October
40 25 24 28 16
November 17 21 19 23 19 December 21 20 22 11
3 thru 12/16
We have a great 2 bedroom villa coming up in HarborWalk and we have an escrow scheduled to close the end of December at The Colony. 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. I truly appreciate your business and friendship and wish a happy and healthy 2019!
Warmest Wishes,
Florence Florence Gadbois CA DRE#01040021 RE/MAX Gold Coast
Florence’s…
Warning Before You Sell Your Home... Don’t put your home on the market without my Free Consumer Guide titled, “ How To Avoid 7 Costly Mistakes When Selling Your Home .” My exclusive report will give you all the facts for a fast, top dollar sale. Just call 805-701-8410 anytime, 24 hours, and I’ll rush a copy out to you for free or go to BchRealEstate.com. 60+ years old: Ensure all investments are in low-risk plans to protect assets. Manage money meticulously and maintain access to credit so you’re ready for unexpected expenses. Downsize as appropriate and focus on investing in things you’re truly passionate about, but avoid taking on new debt. Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Top Money Tips At Any Age We can’t get through life without navigating money, but where your financial focus depends, in part, on where you are in your life. Here are some helpful financial management tips by decade: 20-30 years old: Maintain a meticulous budget. Apps like Mint.com can help you track expenses. Set up an emergency savings account with 3-6 months’ worth of living expenses. Transfer credit card balances to a 0% card and focus on paying it off. Begin paying down student loans and other debt. 30-40 years old: Contribute to a retirement account. Maximize employer matching plans. Actively build assets by investing in stocks, bonds, and real estate. Keep a low credit card balance with an eye toward increasing your credit score. Open college savings accounts for children. 40-50 years old: Review and realign savings goals for your current lifestyle. Use a life expectancy calculator to help reach retirement goals. Create a plan to pay off your mortgage by the time you retire. Protect assets and earning power with supplemental life and disability insurance. 50-60 years old: Track monthly spending. Make adjustments as needed to prepare for retirement. Consider circumstances like geriatric parents who may need financial assistance. Put extra effort toward eliminating debt. Pay off credit cards in full every month.
Buying A Home Soon-for the first time? Get my Free Consumer Guide, “Top 10 First-Time Homebuyer Mistakes to Avoid.” Call me right now at 805-701- 8410 for details…or download from my web site.
January 2019 Oxnard, California
Inside This Issue…
Money Tips Throughout Your Life…Page 1
Mold and Bacteria in Your Coffee Maker?…Page 2
Garage Organization Tips…Page 2
Joy And Happiness As A Caretaker…Page 3
Answer This Trivia Question to be eligible to enter the drawing for $75 Gift Card for Lure Restaurant… Page 4
How Can I Be Sure I Have a Properly Written Contract?…Page 4
Delete this small text box, then click to select the cartoon. Right-click, choose “change picture” is easiest way to place right cartoon
Get Free money-saving home tips at my web site: BchRealEstate.com
Clean Single-Serve Coffee Makers Recent statistics show 26% of American coffee drinkers use single- serving coffee-brewing machines like those made by Keurig. If you own one of these machines, here’s what you can do to keep your machine clean and in good working order. If you don’t clean it regularly, it can harbor bacteria and mold . Routinely wipe down the outside of the machine, especially the handle. Fill the water reservoir with pure, white vinegar. Run the machine without a pod. Repeat the process until all the vinegar runs through the machine. Let the machine sit for at least four hours. After this waiting period, fill the reservoir with water and run it until it empties completely. Repeat this process every three to six months.
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!)…
Salty (Sahl-tee) adjective
Meaning : Used as slang, this word means exceptionally annoyed or bitter.
Sample Sentence: He was salty because his sister won the game but she didn’t seem to care about the outcome.
B Facebook Blue Mark Zuckerberg has red-green colorblindness, which is why the website and brand are blue. Fast Food On Flights Before flying, access your airline’s website and order a vegetarian or kosher meal. You’re more likely to be one of the first to be served onboard. Be A Smart Used Car Buyer Get the most for your money when buying a secondhand vehicle: Research cars’ reliability and longevity. Consult resources like ConsumerReports.org and TrueDelta.com . Consider both car dealers and private sellers. Dealers may have bigger selections and financing options, but private sellers often just want a fair market price. Have an inspection done by an independent and trusted mechanic. Cross-shop new cars and used ones for more choices and deals. Quotes To Live By… “Laugh and the world laughs with you. Snore and you snore alone.” –Anthony Burgess “Winter is the time for comfort, for good food and warmth, for the touch of a friendly hand and for a talk beside the fire: it is time for home.” –Edith Sitwell “Discovery is seeing what everybody else has seen, and thinking what nobody else has thought.” –Albert Szent-Gyorgyi
Bonus tip! Use a reusable filter in order to create less waste and increase your selection of coffee flavors and strength (make sure to clean it).
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.
Keep Your Garage Organized
As a part of the home that is often out of sight and mind, garages can quickly become disorganized. Here’s how to maintain a sense of order in yours! Watch for the last topic of this series next month : the laundry room . □ Maximize space. Hang items like shovels, hoses, and cords on the wall. During seasonal changes, hang bikes, skis, and surfboards from the ceiling. Hang a hammock to contain basketballs and other items that can roll away.
□ Choose appropriate shelving. Keep things off the floor by using shelving. Metal shelving withstands heat and humidity better than wood.
□ Use airtight containers. Holiday decorations and other infrequently used items should be stored in containers that can withstand humidity and extreme temperature fluctuations. Clearly label all containers.
□ Keep like items together. Separate everything in the garage into categories like sporting equipment and power tools, and store these items together.
□ Designate storage areas. Once everything is sorted by category, store these things in the garage where they make the most sense. Put cleaning materials near the door leading into the house. Garden equipment should go near the garage door.
Get Free money-saving home tips at my web site: BchRealEstate.com
Finding Joy As A Caretaker Becoming a caregiver for loved ones at any time of your life can take a physical, mental, and emotional toll. Learning to deal with related stress and finding happiness in the situation can go a long way in making the experience a positive one for both you and the loved one you’re caring for.
1 U.S. National Park Facts The caldera at Crater Lake National Park (Oregon) is almost 6 miles in diameter and 3,900 feet deep. Glacier National Park (Montana) and Waterton Lakes National Park in Canada make up the world’s first international peace park. The thermal waters in Hot Springs National Park (Arkansas) are 143 degrees Fahrenheit. Humans have occupied Voyageurs National Park (Minnesota) for nearly 10,000 years. Spare The (Dog) Hair Get rid of dog fur clinging to car seats by spritzing the upholstery with water and scraping it with a squeegee. Mutual Fund Websites Learn what companies are included in your mutual fund holdings. www.Finance.Yahoo.com – Search the fund’s ticker symbol. The “Top Holdings” section shows the top 10 most valuable holdings. www.FeeX.com – Hook your account into the site for a full review of what it contains, including cheaper, alternative funds. www.PersonalCapital.com – In addition to breaking down a mutual fund, this site explains if your portfolio is well-balanced. Brain Teaser… How far can a rabbit run into the forest? (See page 4 for the answer.) Real Estate Question? Maybe you want to know how much your home is worth. Or maybe you just need a recommendation for a handyman, carpet cleaner or plumber… Either way, I love hearing from all of my good friends and clients. And I’m happy to help answer questions you might have about anything relating to real estate or home-ownership. If you have a question, tip or idea, call me at 805-7901-8410. I’m here to help!
Listen to music. Whether you play your music or your loved one’s favorite songs, feel free to sing along.
Celebrate the little things. Enjoy every little holiday and even the smallest accomplishments. Don’t forget to treat yourself too: Buy yourself flowers. Ask friends and family for help so you can treat yourself to the occasional day off or a date night. Mindfully contemplate joy. A journal is a safe place to explore the many emotions you might be feeling. In this space, however, take time to record things that make you happy too, such as funny moments, inspirational quotes, and favorite song lyrics.
Take care of yourself. Sneak some time alone and boost your mood with exercise, meditation, and sleep.
Linger over meals together. Relive memories with your favorite foods. Cook and bake together, if possible. As a caregiver, make sure you take time to eat nutritiously to keep up your own health.
Infuse joy in every day. Even if your loved one isn’t responsive, put on funny movies, tell jokes, and laugh.
Get outside. Whether you’re able to take a walk in the park or just relax on the front porch, sunshine, fresh air, and natural surroundings can help boost the mood.
Get Free money-saving home tips at my web site: BchRealEstate.com
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 winners is…drum roll please: Renay Gregg of Sun Valley won the drawing.
Brain Teaser Answer:
Halfway. After that, the rabbit is running out of the forest.
Which one of the following does NOT have to do with honey bees?
Easily Amused… While I was watching a dog chase its tail, I thought “dogs are easily amused.” Then I realized I was watching a dog chase its tail. House Guest Checklist Welcome guests into your home with a checklist consisting of this information: □ Wi-fi network and password. □ Where extra toilet paper and plunger can be found. □ Which toiletries they can use. □ Procedure for locking up the home in case they come back late. □ Quirky features they should know 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 CA 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. like handles requiring jiggling, strange noises, or auto-locking doors.
a) Krill b) Melittology c) The genus Apis d) Royal jelly
The answer is a) krill. Krill is an ocean-dwelling crustacean. So let’s move on to this month’s trivia question.
Why is the Dominican Republic’s flag unusual?
a) It has a bible on it. b) It is the world’s oldest flag. c) It has plant life on it. d) It was designed by a woman.
Call Me At 805-701-08410 OR Email Me At Florence@BchRealEstate.com
REMEMBER You Have Until the 10 th of the month to answer and enter the drawing to win.
Real Estate Corner…
Q. I’m selling my home. How can I be sure I have a properly written contract?
A . The best way to protect yourself is to work with a skilled REALTOR ® who will help you with the contract and walk you through the closing process. He or she will also ensure that you comply with specific disclosure rules that may apply to your state. To work together effectively, you should do the following:
Become familiar with contract language, such as terms, contingencies and inspections.
Know what repairs and closing costs you are responsible for. A contract is a legally binding agreement and you will be held to it.
Review your title to make sure your property is not in conflict with local restrictions or laws.
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 Majorca
Bdrms
Baths
Sq. Ft.
Floor Plan Martinique
Asking Price
2 2 2 2 2 2
2 2 2 2 2 2
1217 1549 1549 1800 1517 1627
$579,888
4446 Antigua Way
Antigua
$588,888 $604,888 $605,000 $615,000 $634,000 $799,000
Antigua
Antigua
Martinique Martinique
Capri
Antigua (Phase I)
2031 Majorca
Capri
4711 San Sebastian
2
2
1550
Antigua (Ambassador)
$632,381
Market Average
Homes Pending…
Address
Bdrms
Baths
Sq. Ft.
Floor Plan
Asking Price
2223 Martinique
2
2
1113
Martinique (Phase I)
$539,000 $539,000
Market Average
Sold Properties… (01/01/18 Thru 12/16/18) Address List $ Sale $
Sq.Ft. $/sq.ft
Floor Plan
Date Sold 01/31/18 02/05/18 07/25/18 04/22/18 05/11/18 06/07/18 08/14/18 02/26/18 03/27/18 03/30/18 06/11/18 04/27/18 05/23/18 10/18/18 10/23/18 05/25/18 08/24/18 07/06/18 05/31/18 04/11/18
4442 Antigua
$499,888 $499,999 $549,888 $595,000 $589,000 $624,888 $638,888 $635,000 $635,000 $649,000 $655,000 $639,888 $640,000 $679,500 $669,000 $799,000 $845,000 $839,888 $1,050,000 $1,295,000 $707,406
$466.000 $490,000 $525,000 $575,000 $575,000 $615,000 $625,000 $625,000 $625,000 $625,000 $627,500 $628,000 $640,000 $648,000 $669,000 $785,000 $820,000 $830,000
1217 1368 1217 1368 1550 1459 1549 1459 1368 1369 1627 1550 1369 1800 1800 1628 2360 2360
$382.91 Martinique $358.19 Madeira
2365 Martinique 1955 Majorca 2133 Martinique 2051 Majorca 2386 Martinique 2227 Martinique 2313 Martinique 1990 San Tropez 2317 Martinique 2345 Martinique 1900 Majorca 2325 Martinique 1992 San Tropez 2202 Vina del Mar 2206 Vina del Mar 2333 Vina del Mar 1965 San Sebastian Market Average 4451 Antigua 4440 Antigua
431.39
Martinique
$420.32 Madeira $370.97 Antigua
$421.52 Antigua (Phase I)
$403.49 Antigua
$428.38 Antigua (phase I)
$456.87 Madeira
$456.54 Madeira (Ambassador)
$385.68 Capri $405.42 Antigua $467.49 Madeira $359.80 Capri
$379.04 Capri
$482.19 Capri (Ambassador)
$347.46 Vina del Mar $351.69 Vina del Mar $434.32 Vina del Mar
$1,025,000 2360 $1,215,000 1550
$783.87 Antigua (Ambassador)
$687,289
$429.29
RE/MAX represented buyer, seller or both . Properties as of December 18, 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
1 2
1 3
1135 1502
T-3
$589,000 $699,000 $644,000
Villa
Market Average
Sold Properties (01/01/18 Thru 12/16/18) Address List $ Sale $
Sq.Ft. $/sq.ft
Floor Plan
Date Sold
3039 Harbor 2949 Harbor 3031 Harbor 3057 Harbor 3554 Sunset 3013 Harbor 3120 Sunset 3424 Sunset 3420 Sunset 3674 Sunset
$365,000 $495,000 $549,000 $524,500 $549,000 $539,000 $575,000 $595,000 $$595,000 $605,000 $619,999 $650,000 $710,000 $571,180
$370,000 $490,000 $500,000 $515,000 $520,000 $539,000 $575,000 $580,000 $583,000 $590,000 $610,000 $635,000 $695,000 $562,643
781
$473.75 $409.02 $443.26 $456.56 $458.15 $477.84 $479.97 $511.01 $413.18 $400.27 $462.47 $481.43
Plan A Plan D Plan B Plan B
06/20/18
1198 1128 1128 1135 1128 1198 1135 1411 1474 1319 1319 1485
08/31/18 05/11/18 10/22/18 07/13/18 03/14/18 02/28/18 06/25/18 08/07/18 05/21/18 09/19/18 04/13/18 10/30/18
T-3
Plan B Plan D
T-3 T-3 T-1 T-2 T-2
3650 Sunset
4526 LaBrea 3225 Harbor
$468.01
Villa
Market Average
$458.34
Bold: REMAX Represented Buyers, Sellers or Both
The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of Dec. 18, 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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