July 2023

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

Would You Like To Be More Decisive?

We’re asked to make countless decisions every day, but it’s not uncommon to struggle with “analysis paralysis” from time to time. In today’s Service For Life ! ® Free consumer newsletter, you’ll get tips to help with indecisiveness. You’ll also learn about surprising symptoms of thyroid diseases, some alternatives to a turf lawn, and what you need to know about choosing and using digital wallets – plus fun facts, a trivia challenge, and lots more.

CLOSED ESCROWS

ACTIVE LISTINGS

LISTING INVENTORY (months)

2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023

January February

14 23 20 13 14 15 11 13 13 20 14 17 20 27 16 20 17 18 23 10 18 8 22 20 11

67 80 22 21 22 4.49 4.14 1.19 0.92 1.48 91 92 23 21 26 3.37 4.68 1.55 0.53 1.54

March

69 89 17 12 28

4.5 4.68 0.53 0.92 1.83

April May June

87 90 14 22 30 5.46 4.9 0.86 0.88 2.1 108 93 29 21 34 6.98 4.29 1 1.27 2.27 128 78 28 30 35 7.04 4.38 0.62 1.86

11 22 34 26 24 46 30 17 29 32 28 19 27 45 27 14 15 49 26 16 14 19 25 7 22 29 18 15

13 thru 6/28

July

122 80 18 47 125 62 34 37 126 51 20 35 115 34 16 37 100 41 20 39 93 32 21 33

6.88 4.05 1.23 1.69 7.04 4.78 0.73 1.65 6.3 1.5 0.62 1.85 5.74 1.8 0.9 2.03 4.71 1.23 0.875 2.19 4.3 0.89 0.897 1.26

August

September

October

November December

Just listed a great Antigua floor plan at The Colony with an asking price of $935,000 and we are about to close escrow on a fantastic T-2 at HarborWalk. Asking: $899,000. 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 CA DRE#01040021 RE/MAX Gold Coast

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

Florenc e’s…

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Conquer “Analysis Paralysis” We face countless choices daily, both trivial and important. Regardless of the importance, however, making decisions requires mental energy — it can be exhausting. It’s not surprising, then, that we might feel indecisive about even the smallest things. Here are some popular decision-making tips to try if you find yourself struggling. ✓ Reduce your options. Choosing from ten menu items is harder than choosing among three. Reduce your potential options and you can reduce your decision stress. Try just picking items from one menu section. ✓ Be methodical. Following a series of steps to make sure you’re not forgetting something can be useful. This plan (https://www.umassd.edu/media/umassdartmouth/fycm/decision_making_ process.pdf), from researchers at the University of Massachusetts Dartmouth, outlines seven steps of effective decision making. ✓ Create a deadline. To avoid waffling on a decision until it’s no longer relevant, set yourself a deadline. If you haven’t decided by that date, you can tell yourself what that means (i.e., if you haven’t decided that you are going to an event, decide that that means you are n’t going). ✓ Try out common decision-making methods. Flipping a coin or writing a pros and cons list may be just the trick you need to get you out of an indecisive rut. And, if you’re unhappy with the result of a coin toss, your gut may be pointing you toward the choice you actually want to make. ✓ Learn from the outcomes, good and bad. No one is perfect, and even if we follow guidelines for making sound decisions they can still not work out how we’d hoped . Review the results of your decisions later for insights to help you make better decisions in the future. It’s important to keep in mind that overthinking a choice until the option is no longer available is a decision in and of itself —you’re choosing not to decide. That may not seem so bad if the question is what you’d like for dinner, but it can also lead to a career or relationship stalling. Most experts agree that making the wrong decision can be better than making no decision. At least you are moving forward! Save Thousands When Buying A Home… Did you know there’s a free consumer report revealing ways to save time and money when buying a home? It’s called “ 8 Secrets For Saving Thousands When Finding and Buying Your Next Home ,” and it’s great even if you’re not planning to buy soon. Get your free copy by ca lling me at… 805-701-8410



Call me right now at 805-701-8410 and ask for my Free Consumer Guide to homeowner profits titled, “Make Your Home Show Like A Model Without Breaking The Bank”…

July 2023 Oxnard, California

Inside This Issue…

5 Tips To Be More Decisive …Page 1

Thyroid Disorder Signs That May Surprise You …Page 2

Lawn Alternatives That Save Money And The Environment …Page 2

What You Need To Know About Digital Wallets …Page 3

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

What Should I Keep In Mind When Negotiating With A Buyer? …Page 4

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

6 Thyroid Disorder Symptoms Fatigue is a common symptom of a thyroid disorder, but fatigue is also a common symptom of being a busy human in the 21st century. The butterfly shaped gland in your neck regulates thyroid hormone (TH), which is important to the proper functions of multiple systems in your body. Thyroid disorders often go undetected until symptoms are more severe but both hypothyroidism (underactive thyroid) or hyperthyroidism (overactive thyroid) are usually not too hard to treat once identified. Here are some surprising si gns that may indicate it’s time to talk to your doctor. ➢ Cognitive function: An underactive thyroid may cause forgetfulness, while an overactive thyroid can make it extremely hard to concentrate. ➢ Bowel issues: Hypothyroidism can lead to constipation while hyperthyroidism can lead to diarrhea. ➢ Heart problems: Too much TH may make for heart palpitations and chest pain. Too little may lead to higher blood pressure and cholesterol. ➢ Skin issues: Thyroid issues may cause several skin problems, including dry skin, brittle nails, or a swollen face. ➢ Muscle pain: Sudden and unexplained muscle pain, cramping, or weakness may be a sign of an underactive thyroid. ➢ Infertility: Hypothyroidism can disrupt hormones that affect ovulation and lactation.

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!)…

sanctimonious (pronounced sank-ti moan-ee-us) adjective

Meaning: negative connotation to act morally superior

Sample Sentence: His sanctimonious attitude contrasted with his meek manners.

“Under Penalty Of Law” Those sternly worded “Do Not Remove” tags on pillows and mattresses sound intimidating, but the owners of the pillow or mattress are allowed to remove the tags. They date from the early 20th century and were introduced to make sure consumers knew what they were buying — all the materials inside the mattress or pillow had to be listed on the tag. With these labels, companies doing business on the cheap could no longer get away with using trash or old newspapers as stuffing. A Bridge Too Far The Italian city of Venice is famous for its many canals and bridges, but there’s another European city with a bridge count that positively dwarfs that of Venice. Hamburg, Germany, has almost 2,500 bridges — more than Venice, Amsterdam, and London combined .

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.

Want To Lose Your Lawn?

Manicured lawns might look nice, but they’re also expensive to maintain and environmentally problematic. Replacing your lawn can save time and money, not to mention be a boon to pollinating insects and birds. Lawn alternatives vary widely by climate, so consult a local gardening expert or resources that are specifically geared toward your USDA Plant Hardiness Zone. Find your Plant Hardiness Zone by entering your zip code here: https://planthardiness.ars.usda.gov/ Remember: Plants that are acceptable in one city may be classified as invasive in another. Do your research before you start planting. • Durable ground covers like clover, moss, Woolly Thyme, and Blue Star Creeper spread quickly, require no mowing or watering, and withstand the rigors of backyard picnics and playtime. • Xeriscaping isn’t just applicable to the desert climates where it’s popular. It’s all about focusing on native pla nts that can thrive where you live with little to no maintenance. • Garden or flower beds can eliminate some lawn areas, but you can also use decorative gravel to fill in the spaces between those beds to get rid of even more grass.

B

Quotes To Live By… “Nobody is as powerful as we make them out to be.”

– Alice Walker, Author

“There are years that ask questions and years that answer.” – Zora Neale Hurston, Author “As long as you live, keep learning how to live.” – Lucius Annaeus Seneca, Ancient Roman Statesman

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

Digital Wallets 101

1 Sink Or Swim Dress up your fizzy water with a little citrus and you’ll notice something odd: lemons float and limes sink. This is true regardless of whether the fruit is whole or sliced. Limes, it turns out, are slightly more dense than lemons, which are typically about the same density as water. Plant Tracker Apps Keeping plants alive has never been easier, thanks to the many plant tracker apps available. These are all available for both Apple and Android phones. Planta (getplanta.com): The free version reminds you to water your houseplants on a schedule tailored to the pot size and type and distance from windows. The paid version ($36/year) adds features like fertilization prompts, a light meter, and help from Dr. Planta for ailing flora. Blossom (blossomplant.com): This app covers both indoor and outdoor plants with plant and disease ID, plus detailed care guides. The light meter feature is only available for Android. There’s a free trial, after which it’s $19.99/year. PictureThis (picturethisai.com): The huge plant ID database (free) is the main appeal here — it includes more than 10,000 indoor and outdoor species and boasts 98% accuracy. More features come with the $30/year subscription. Brain Teaser… There is only one letter in the alphabet that is not used in any name of any U.S. state. What is it? (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 805-701-8410 . I’m here to help!

We’ve learned to swipe, insert, and tap our credit cards in the checkout line as each new payment method was introduced. But you may not even need to dig your wallet out of your purse anymore — contactless payments through digital wallets are increasingly common. The question of whether to get a digital wallet may be moot: If you have a smartphone, you probably have a digital wallet app already. Apple Wallet, Google Wallet , and Samsung Wallet are each associated with the device you have, you just need to activate them. In each case, you can store your existing credit cards to quickly pay for groceries at a local store, for instance. But, like a physical wallet, these mobile digital wallets can also store things like bus passes, plane tickets, and gym membership cards. When your phone is more likely to be in your hand than your wallet, a digital wallet can be an incredible time-saver. There are also digital wallets (sometimes called money apps) that are not dependent on an operating system and are primarily geared toward sending and receiving money. This category includes popular apps or websites like Venmo, PayPal , and Cash App . In each case, you can link bank accounts and credit/debit cards to the app to pay for purchases online or in person (by scanning a payee’s QR code or knowing their account name). These apps also make easy work of splitting the dinner bill among friends — everyone can send their share to one person who puts down a credit card. Note that the latter form of digital wallet may add a fee for certain transactions. Digital wallets are generally seen as more secure payment methods since security measures on your phone (like passcodes and facial recognition) make it incredibly difficult for anyone else to access your accounts. And, when you tap your phone at a store’s register, the store gets a unique and encrypted code to complete the transaction —even they don’t see your account information. As contactless payments and digital money transfers become more prevalent, digital wallets will only get more popular. Check out the one in your pocket!

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 winner is …drum roll please: Sue Green. Which of these sports will make its debut at the 2024 Summer Olympics in Paris? a) Breaking b) Skateboarding c) Sport Climbing d) Surfing The answer is a) Breaking...but don’t call it break dancing. Skate boarding, sport climbing and surfing debuted in Tokyo and will return to the Summer Olympics in Paris.

Brain Teaser Answer: The letter Q

Toaster Tidying When was the last time you cleaned your toaster? Chances are it’s due, but luckily it’s pretty easy. Here’s how. • Make sure it’s unplugged and completely cool! • Pull out and dump the contents of the crumb tray, dislodging stuck bits with a scrub brush. Wash the crumb tray and let it dry completely before putting it back. Clean out toaster slots with a small brush or a rubber spatula. You can also wipe them out gently with a damp rag. Have A Laugh… What's the difference between a poorly dressed man on a unicycle and a well dressed man on a bicycle? Attire. • 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. •

So let’s move on to this month’s trivia question.

In the U.S., you’d “knock on wood” for good luck. In what country do carp scales represent similar good fortune?

a) Poland b) Japan c) Madagascar d) Jamaica

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. What things should I keep in mind when negotiating with a buyer? A. Revealing too much information to buyers when you’re negotiating the sale of your home is a common, costly mistake. Here’s how to avoid it. • Know what you want from the sale and try to determine what your buyers want, so you will make a deal that benefits you both. A professional REALTOR® knows the questions to ask potential buyers to determine their motivation for buying and what price they can afford. • Don’t mention the “appraisal” value of your home at a showing to try to persuade a buyer to pay more for it. • If you’re at a showing, don’t tell a buyer why you’re selling (especially if you need to sell it quickly). Just say your housing needs have changed. You can learn about six more costly mistakes in my Free Consumer Report called “ How To Avoid 7 Costly Mistakes When Selling Your Home .” Call me and I’ll send a copy right over to you.

Do you have a real estate question you want answered? Feel free to call me at 805-701-8410. Perhaps I’ll feature your question in my next issue!

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

Asking Price

4407 Antigua

2

2

1549

Antigua

$ 935,000 $1,349,000 $1,329,888 $1,204,629

Vina del Mar San Sebastian

3 2

2.5

2360 1627

Vina del Mar

2

Capri (Ambassador)

Market Average

Properties Pending …

Address Antigua

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

2

2

1217

Martinique

$895,000 $895,000

Market Average

Sold Propert ies… (6/01/22 Thru 6/28/23) Address List $

Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2223 Martinique

$699,000

$664,050** 1113

$596.10

Martinique (Phase I)

02/17/23 06/15/23

2212 Martinique 2200 Martinique

$695,000 $769,000

$685,000 $700,000

1113 1627

$615.45 $432.90

Martinique (Phase I)

Capri

01/06/23

2143 Martinique

$730,000

$720,000

1113

$646.90

Martinique (Phase I)

12/12/22 01/27/23 05/23/23 10/21/22 08/23/22 08/03/22 06/17/22 05/25/23 09/02/22 06/24/22 08/31/22 03/22/23 12/02/22 02/16/23 04/26/23

1965 Majorca 1905 Majorca

$729,888 $749,000 $739,888 $780,000 $799,000 $795,000 $799,000 $815,000 $819,888 $849,888 $839,888 $875,000 $949,888 $999,900 $839,000

$725,000 $739,00 $739,888 $750,000 $790,000 $795,000 $799,000 $807,000 $805,000 $820,000 $840,000 $875,000 $875,888 $884,000 $892,000

1217 1217 1113 1114 1113 1368 1217 1368 1368 1627 1459 1114 1550 2692 1627

$599.74 $607.23 $664.77 $673.25 $709.79 $580.72 $655.99 $589.48 $661.46 $504.00 $575.74 $785.46 $565.09 $328.38 $548.25

Martinique Martinique

2355 Martinique 2125 Martinique 2305 Martinique 2327 Martinique 4475 Antigua

Martinique (Phase I) Martinique (Phase I)

Martinique (Phase I)

Madeira

Martinique

4481 Antigua 2005 Majorca 2017 Majorca

Madeira Madeira

Capri

2227 Martinique 2175 Martinique

Antigua

Martinique (Phase I)

1931 Majorca

Antigua

2360 Vina del Mar 2151 Martinique

Costa de Oro

Capri

05/12/23

2067 Majorca

$839,000

$892,000

1627

$548.25

Capri

06/28/23

4726 San Sebastian

$940,000

$940,000

1217

$771.76

Martinique (Ambassador) 10/06/22

1954 San Tropez 2214 Cannes Sq

$987,000

$1,002,000 1628

$615.48 $602.23

Capri (Ambassador)

10/21/22

$1,200,000 $1,240,000 2059

San Tropez

08/30/22

2337 Vina del Mar

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

$550.85

Vina del Mar

04/26/23 08/11/22

2303 Vina del Mar 2315 Vina del Mar

$1,989,888 $1,900,000 2360 $1,999,000 $1,900,000 2139

$805,08 $888.27

Vina del Mar San Tropez

07/20/22

$ 951,263 $ 929,860

$623.49

Market Average

RE/MAX represented buyer, seller or both.

Florence represented buyer, seller or both

**Does not include buyer agent commission Properties as of June 28, 2023 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 Lane 3225 Harbor Sunset Lane Sunset Lane

$749,000 $1,049,000 $1,177,000 $1,199,000 $1,043,725

1294 1485 1475 1559

Plan D

Villa (end unit) Villa (end unit) Villa (end unit)

Market Average

Pending... None

Sold Properties (01/01/2022 – 06/28/2023 Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

2957 Harbor 3046 Sunset 3134 Sunset 4534 LaBrea 2957 Harbor 3204 Sunset 2943 Harbor 3540 Sunset 3604 Sunset 3224 Sunset

$565,000 $595,000 $649,500 $699,000 $699,000 $850,000 $797,000 $900,000 $899,000 $865,000

$572,000 $595,000 $620,000 $725,000 $690,000 $810000 $817,000 $850,000 $859,000 $865,000

925 925 925

$618.38 $643.24 $670.27 $638.77 $745.95 $606.71 $681.96 $576.66 $651.25 $617.42

Plan C Plan C

03/25/22 10/07/22 02/25/22 08/08/22 02/02/23 10/12/22 03/30/22 06/14/22

Plan C (end unit)

1135

T-3

925

Plan C

1401 1198 1474 1319 1401

Villa

Plan D (end unit)

T-1 T-2

06/30/23

Villa

02/25/22 08/25/22

3131 Harbor

$975,000

$925,000

1502

$615.85

Villa

3544 Sunset

$995,000

$997,000

1474

$676.39

T-1

03/21/23

3145 Harbor

$999,997

$999,997

1489

$671.14

Villa

06/09/22

3125 Harbor Blvd $999,000

$1,000,000

1489

$671.59

Villa

03/11/22 05/05/23

3241 Harbor

$1.049,000

$1.040,000

1518

$685.11

Villa

Market Average $651,56 Bold: REMAX Represented Buyers, Sellers or Both $759,785 $750,500

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of June 30, 2023. 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