June 2021

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

Are You Throwing Away Your Hard-Earned Money?

Saving money in today’s economy and uncertain times is particularly important. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn tips to save money on car maintenance you probably don’t need, as well as how to get the best deal when trading in electronic devices.

You’ll also learn about simple things you do every day that keep you in shape, how to use everyday items for household jobs, and how to care for a friend in need – plus fun facts, a trivia challenge, and lots more.

Here are the sales stats for the beach marina area , which incudes Mandalay shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, The Colony HarborWalk, HarborWest, CI Waterfront Homes and Harbour Island. Note: Inventory less than 6 months is considered a seller’s market: more than 6 months, a buyer’s.

Closed Escrows

Active Listings

Inventory (months)

2017 2018 2019 2020 2021 21 21 14 23 20 18 12 15 11 13 34 28 14 17 20 18 19 20 17 18

2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 75 70 67 80 22 4.02 2.13 4.49 4.14 1.19 84 53 91 92 23 3.95 2.59 3.37 4.68 1.55 84 63 69 89 17 3.9 2.51 4.5 4.68 0.53 88 60 87 90 14 4.72 2.42 5.46 4.9 0.86 107 54 108 93 29 4.99 2.82 6.98 4.29

January February

March

April May June

20 31 18

8 12 thru 5/17

44 22 11 22 22 15 24 46 30 32 29 32 29 23 27 45 28 16 15 49 23 19 14 19 11 12 22 29

112 70 128 78 102 97 122 80 103 92 125 62 95 95 126 51 96 81 115 34 61 87 100 41 63 79 93 32

4.19 4.2 7.04 4.38 4.26 4.1 6.88 4.05 3.82 4.21 7.04 4.78 3.83 3.67 6.3 1.5 2.4 4.13 5.74 1.8 2.45 3.81 4.71 1.23 2.54 3.32 4.3 0.89

July

August

September

October

November December

In April RE/MAX closed escrow on two condos at HarborWalk. 3241 Harbor (updated villa) closed for $925,000 and 4534 LaBrea (updated T-3) closed for $650,000. I represented the buyer on a great Golf Villa in Camarillo that at the time this is going to print, is about to close escrow. We have buyers who are looking for specific floor plans and are waiting. Thinking of selling? I would love to discuss how we market today. 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, competent 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

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Florence’s…

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…”



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…

Car Maintenance You’re Wasting $$$ On

Have you checked out the online version? Go to: http://florence.cld.bz/june-2021 This interactive publication requires no download, no waiting, just like reading a book! Created using Flipping Book Publications. Check it out! Bottom line : every car is different. Be sure to look at your car manufacturers’ manual and recommended maintenance schedule as a guide. Also, don’t be afraid to get a second opinion. Maintaining a car can be a costly activity–but it might not be as costly as you think. Most mechanics don’t want you to know most of the following tips. That’s because some maintenance really isn’t necessary, or isn’t required at the “recommended mileage.” • You don’t need to have your oil changed every 3,000 miles . In fact, most manufacturers say that most cars don’t need an oil change for 7,500 miles. Check your manual for certainty. • An additional warranty may be unnecessary . Most car manufacturers will guarantee cars for up to 70,000 miles, so be sure to check this before buying an additional warranty package. • Be smart about your inspection . Some car companies will sell you a $350 inspection deal, but in the process that means they will look for other things to fix that may not yet need fixing. For example, they may tell you that your brakes are worn down by 50 percent. Here’s the thing: you don’t need to replace your brakes until they are worn to about 85 to 90 percent of their original thickness. • Question flushes . Some mechanics may encourage you to flush the car of brake fluid, power steering fluid, or transmission fluid. This isn’t always necessary. Most of these fluids, depending on the car, only need to have the fluid changed if something is wrong. Ask the mechanic to show you the fluid, explain why it needs to be changed, and then do some research online about what signs to look for that might indicate that the fluid needs to be changed. Again, check your car’s manual. • However: Pay for quality materials ! It may seem that you’re saving money by buying generic brake pads, but cheaper ones aren’t necessarily good quality and may wear out more quickly. Brake pads are worth splurging on in the long run. So is high-quality synthetic motor oil.

June 2021 Oxnard, California

Inside This Issue…

Car Maintenance Savings…Page 1

Tough Spot: Being There For A Friend With Cancer…Page 2

How To Get Cash For Your Phone…Page 3

Watch For This Health Risk In Older Homes…Page 3

Answer This Trivia Question And You Could Win $75 gift card 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!)…

How To Be There For A Friend With Cancer Nearly 40% of people will be diagnosed with cancer during their lifetimes. When faced with the terrible news that a friend has cancer, there are some things you can do (and should not do) to stay positive for your friend during their time of need. Offer to lend a hand. Daily tasks can be overwhelming for people who are sick. Ask your friend what they need help with and if they don’t know, you could suggest grocery shopping, cleaning, picking up or dropping off kids, or mowing the lawn. Pick anything you can do to lighten their load. • Ask if they’d like to talk. People with cancer often want to talk about anything but their diagnosis, while others are frustrated that people around them avoid the topic. Try to just be a friend who can be a supportive listener with whatever is on their mind. • Ask permission to visit. When someone is sick, they may not want visitors, so it’s important to ask beforehand when you should visit and be prepared for them to say, “not right now.” Remember, it isn’t personal. • Support other caregivers. Perhaps their spouse or partner needs a break. Ask how you can support them, too. DON’T • Avoid your friend. It may be difficult to face your friend but avoiding them could cause more pain. Take time to process the news, but also be mindful that they may need you. You might have to put your feelings to the side and put theirs first to support them during this tough period. • Tell them everything is going to be OK. Offering false platitudes may make you feel better, but you can’t offer something you don’t know. Stick with a supportive comment, like “We’ll get through this and I’ll be right by your side.” • Make comments that they don’t look sick. Avoid telling your friend that they’re looking fine. Remember, each cancer is different, and it manifests in different ways that may not be visible. Leave health comments to their doctor. DO: • Thank You! Thank You! Thank You! Thank You! Thank You! Thanks to all of my clients and friends who support my practice and graciously referred me to your friends and neighbors. Rather than pester people with unwanted calls and visits, I build my business based on the positive comments and referrals . Thank You!

Quandary (kwan-da-ry) noun Meaning: a state of perplexity or doubt

Sample Sentence: I am in a real quandary as to how to solve this problem.

Did You Know? Did you know that Australia is the only continent without active volcanos? Australia has over 150 volcanos, but they haven’t erupted for over 4,000 years. It is thought the lack of volcano activity is due to Australia’s distance from any major fault lines. Volcanoes usually erupt when they are close to tectonic plate boundaries. Long Live Honey! Honey is one of the few foods that will not spoil. It is thought that the water and sugar content as well as low pH makes the environment inhospitable to bacteria. Here are some ways you can use this gift from nature: • Dab on zits to dry out. • Use as a salve for burns. • Use instead of sugar to help control blood sugar levels. • Use with beeswax and olive oil as an effective remedy for psoriasis. Have A Laugh What kind of exercises do lazy people do? Diddly-squats! Quotes To Live By… “Nothing is really work unless you would rather be doing something else.” –J.M. Barrie, Novelist “You can’t see the full picture when you are in the frame.” –Les Brown, Speaker & Former TV/Radio Host “Without a customer, you don’t have a business — all you have is a hobby.” –Don Peppers, Speaker & Consultant • Soothe a cough by eating 1 teaspoon.

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

How To Trade In Your Phone Have you ever traded in a phone? Most carriers have their own programs that you can learn about on their website or through your account. However, there are other options out there too, offering cash for both Android and Apple devices. Here’s how to get the best deal: • Shop around. Don’t just take your carrier’s word for it, be sure to check multiple providers to find the best offer. Try these sites after checking with your provider: GadgetGone.com, ItsWorthMore.com . • Before cashing in, fix that broken screen . Some carriers will reduce the price for the phone to next to nothing if it has a broken screen. However, most screen fixes are quick, can be cheap, and will increase the value of your phone. Do your research. • Delete. Delete. Delete . Be sure to delete all personal information after you have backed up your phone. Once you’ve saved your data, restore the phone to its factory settings to avoid any potential fraud or your data getting into the wrong hands. Did You Know? The differences between today's frenetic housing market and last year's frozen market are quite significant. Realtor.com's data for last April shows that while home prices never fell, they were flat this time last year. That's the main reason we’re seeing home prices register such large gains compared to that time — 17 percent over last year. Relief is not yet on the horizon for buyers as inventory continues to shrink. Lead-Based Paint We know lead can be dangerous and could be present if you have an older home. But how do you determine if there is lead present, and what should you watch for? In short : homes built before 1978, when the federal government banned its use, and antique painted furniture might have lead paint. Here’s how to spot lead paint and what to do: Why you should be concerned: Lead is a toxin and can cause brain and organ damage. Assume paint on antiques or old homes contains lead until tested. • Lead paint often cracks in an “alligator skin” pattern. • Chipped or flaking painted surfaces could be dangerous. You can buy lead test swabs at hardware stores which will tell you in a few minutes if lead is present. What to do: • Do not allow kids or pregnant women to come into contact with the item or painted surfaces if the lead test is positive. • Ensure that painted areas are kept in good condition and be extra careful to clean up any paint chips. • Wash hands thoroughly when touching or working with vintage items. • Talk to a company that specializes in lead paint removal/remediation.

Brain Teaser… I have no voice, but I am able to speak to you. I share all of the world’s events and people’s intimate thoughts. I have a spine, but I am not human. What am I? (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 . disorders, and everyone feels anxious sometimes. Try these tips to help regain control of your emotions: • Breathe deep. Focus on inhaling and exhaling and clear your mind of anything else. • Check the threes. Find three things around you, and describe them to yourself. Move three different body parts. Name three sounds you can hear. Take a quick walk. Even 5 minutes around the block can help you center. Carry lavender oil. Essential oils can be spread on wrists or temples, and the scent is known to be soothing. • • refrigerator that smells from time-to- time, but how do you get rid of the lingering odor? Simple: place a cup of baking soda in the refrigerator to soak up smells. Replace once a month for an odor free fridge! Free Online Courses These websites provide free online courses in popular topics. www.edx.org – Free online courses by Harvard, MIT, and more leading institutions. www.khanacademy.org – Pick topics from computer programming, to science, or medicine on this free educational website. www.coursera.com – This site partners with universities and companies worldwide to provide free courses. Feel Calmer In Seconds Many people suffer from anxiety What IS That Smell? We’ve all left something in the

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Thanks For Thinking of Me!

“Who Else Wants To Win $75 Gift Card 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: Ron Rowen of The Colony.

Brain Teaser Answer: A book!

In what popular 90s TV series was there a character with the last name of “Bing?”

Tech Tips To Save Time You may find yourself spending more time with technology than you need to. Try these shortcuts: Want to share an exact moment in a YouTube video? Simply play the video to the precise time, hit share, and underneath the share button you’ll see a checkbox that will display the time you want to target. Check the box and send the link. At the end of a sentence when texting on your phone, hit the space bar twice. This adds a period, a space, and capitalizes the next letter. Use free dictation in Google Docs. Did you know that you can record your voice to dictate text? Simply go to the Tools menu and enable the Voice Typing command. You can then start dictating. • • 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 BhRealEstate.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. •

a) Seinfeld b) Friends c) Frasier d) Cheers

The answer is b) Friends. Chandler Bing was the name of the character played by Matthew Perry.

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

What 1985 movie was known for two Academy-award nominated songs by Lionel Richie and Phil Collins?

a) A Chorus Line b) Delivery Boys c) White Night d) Fast Forward

Call or text 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 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. Or, if you have any other real estate questions, I’m here to help.

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

Florence’s…. Colony MarketWatch ™

Homes Currently Active …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Martinique

2 3 2

2 3 2

1522 2409 1766

Antigua

$779,888 $1,195,888 $1,495,888 $1,157,221

Vina del Mar San Sebastian

San Tropez

Capri (Ambassador)

Market Average

Accepting Back Up Offers…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Martinique

2

2

1459

Antigua (Phase I)

$799,888 $799,888

Market Average

Sold Properties… (07/01/20 Thru 05/18/21) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2206 Martinique

$595,000

$595,000

1368

$434.94

Madeira (upper level)

07/10/20 11/20/20 07/29/20

4442 Antigua Way 1936 San Tropez 2242 Martinique 1947 San Tropez 2375 Martinique 2007 San Tropez 4492 Antigua Way

$624,888 $619,888 $619,000 $624,888 $639,888 $639,888 $650,000 $648,888 $679,888 $655,000

$620,000 $605,000 $605,000 $624,888 $625,500 $635,000 $635,000 $650,000 $650,000 $655,000

1217 1368 1113 1218 1113 1218 1368 1368 1217 1368

$509.45 $441.93 $556.15 $513.04 $561.99 $521.35 $464.18 $475.15 $558.20 $478.80 $472.93 $506.94 $511.70 $515.35 $515.35 $529.97 $467.74 $479.41 $502.46 $639.15 $529.48 $509.96 $558.95 $444.92 $677.92 $506.11 $493.22 $414.87 $465.68 $421.02

Martinique

Madeira (Ambassador) Martinique (Phase I)

01/14/21

Martinique (Ambassador) 10/06/20

Martinique

02/04/21

Martinique (Ambassador) 09/18/20

Madeira

07/22/20 08/17/20

4415 Antigua

Madeira

2067 San Sebastian 2363 Martinique

Martinique (Ambassador) 07/10/20

Madeira

10/28/20

2241 Martinique

$690,000

$675,000

1627

Capri

12/23/20

2177 Martinique

$679,888

$679,888

1450

Antigua

07/23/20

2317 Martinique

$699,000

$685,000

1627

Capri

01/20/21 10/30/20 12/03/20 12/01/20 12/08/20 03/02/21 01/28/21 03/10/21 04/27/21 01/26/21 07/16/20 04/06/21 01/20/21 03/18/21 09/17/20 03/23/21 08/17/20

2386 Martinique 2121 Martinique

$689,888 $689,000 $699,999 $687,000 $699,000 $725,000 $710,000

$690,000 $694,000 $700,000 $705,000 $705,000 $725,000 $725,000

1459 1368 1368 1368 1368 1368 1550

Antigua Madeira Madeira Madeira Madeira Madeira Antigua

2133 Martinique

4423 Antigua

2171 Martinique

4464 Antigua 4477 Antigua

4480 Antigua

$749,000

$764,000

1550

Antigua

2370 Vina del Mar 1984 San Tropez 4742 San Sebastian

$789,888 $829,888 $889,000

$780,000 $818,000 $875,000

1627 1628 1368

Capri

Capri (Ambassador)

Madeira (Ambassador)

2101 Martinique

$925,000

$925,000

1747

Capri

2234 Cannes

$1,060,000 $1,050,000 2059 $1,150,888 $1,100,000 2059 $1,149,888 $1,050,000 2360 $1,599,888 $1,570,000 2360

San Tropez San Tropez Vina del Mar Vina del Mar

2125 Vina del Mar 2323 Vina del Mar 2223 Vina del Mar Market Average

$793,598

$786,142

RE/MAX represented buyer, seller or both . Properties as of May 18, 2021 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 Properties…

Address

List $

Sq.Ft. Floor Plan

Harbor LaBrea

$650,000 $699,000 $675,000

1198 1474

Plan D

T-2

Market Average

Properties Accepting Back Up Offers…None

Sold Properties (01/01/2020 – 05/18/2021 Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3110 Harbor

$456,800 $465,000

925

$502.70

Plan C (end unit)

08/17/20 07/07/20 03/24/21 05/13/20 04/01/21

2935 Harbor 2939 Harbor 3142 Sunset 3414 Sunset 3644 Sunset

$474,900 $474,900 $495,000 $525,000 $599,000 $580,000 $589,500 $589,500 $639,500 $625,000 $649,000 $630,000 $675,000 $635,000 $649,000 $642,000 $639,900 $650,000 $669,000 $660,000 $749,900 $725,000 $729,000 $729,000 $850,000 $850,000 $642,000 $625,550

925 925

$513.41 $567.57 $448.22 $519.38 $424.02 $525,88 $430.80 $535.89 $572.69 $500.38 $488.22 $490.91 $570.85 $522.16

Plan C Plan C Plan D

1294 1135 1474

T-3 T-2

09/03/20

3120 Sunset

1198

Plan D

11/18/20

3034 Sunset

1198 1474 1198 1135 1319 1485 1485 1489

Plan D

06/16/20

4506 LaBrea

T-2

07/20/20 07/31/20 04/06/21 10/08/20 11/16/20 02/28/20 10/20/20

2967 Harbor 4534 LaBrea 3480 Sunset 3320 Sunset

Plan D (end unit)

T-3

T-2

Villa (end unit)

3340 Sunset

Villa (end unit) Villa (end unit)

3125 Harbor

3241 Harbor

$925,000 $925,000

1517

$609.76

Villa (end unit)

04/16/21

Market Average $513.56 Bold: REMAX Represented Buyers, Sellers or Both $656,260 $649,430

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of May 18, 2021. 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