November 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

Want To Earn More Without Working?

Earning extra income for a rainy day or retirement has never been more important, especially for homeowners. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn tips to earn passive income without even working. You’ll also learn about simple things you do every day that keep your mind active, how to find your design style, and how to show your loved ones that you appreciate their caregiving – plus fun facts, a trivia challenge, and lots more. Here are the Sales Statistics for the Beach/Marina area which include 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 1 112 70 128 78 28 4.19 4.2 7.04 4.38 0.62 102 97 122 80 18 4.26 4.1 6.88 4.05 1.23 103 92 125 62 34 3.82 4.21 7.04 4.78 0.73 95 95 126 51 20 3.83 3.67 6.3 1.5 0.62 96 81 115 34 16 2.4 4.13 5.74 1.8

January February

March

April May June

20 31 18

8 22

44 22 11 22 34 22 15 24 46 30 30 32 29 32 28 29 23 27 45 27 28 16 15 49 15 thru 10/18

July

August

September

October

November December

23 19 14 19 11 12 22 29

61 87 100 41 63 79 93 32

2.45 3.81 4.71 1.23 2.54 3.32 4.3 0.89

We closed escrow on two condos in The Colony (1994 San Tropez and 2317 Martinique) and one at HarborWalk (2943 Harbor Blvd). Coming up in The Colony: downstairs unit with a yard and at HarborWalk: a C Plan which will be available in December. 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 Lic #01040021 RE/MAX Gold Coast

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

Florence’s…

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

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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.” Call me right now at 805-701-8410 for details…

5 Ways To Make Passive Income Passive income is the ability to generate ongoing income with a one-time investment, that doesn’t require continuous monitoring or adjustment. One example of passive income is real estate: purchasing a home usually results in a profit when you eventually sell. There are lots of different ways to get those passive dollars rolling in, including: 1. Bonds : think of bonds as a way of investing in a company without taking ownership. You lend money in the form of a bond and earn interest income. Bonds are considered one of the safer investments, but that also means you’ll get a smaller return than higher-risk options. 2. High yield savings accounts : these types of savings accounts are located at banks and some investment companies. Top tip : open a high yield savings account at an FDIC-insured bank, to provide more security for your investment. 3. Dividend stocks : stocks are a great way of creating passive income. The way stocks work is that public companies share a percentage of their profits to investors in the form of dividends. Stocks vary in risk and return. It’s wise to do some research with companies who have a solid history of providing dividends to their investors. 4. Rental properties : while less passive than other options, buying a second property with the intention of renting it out is a great way to generate income. In addition to monthly rental payments, you’ll also reap the benefits of the increase in property value over the term of your investment. Make the investment totally passive with a good property manager. 5. Crypto savings : in recent years crypto currency investments have become popular, yielding a higher rate of return on your money. Check out our website links for popular crypto sites (on page 3). Whichever passive income stream you’re considering, it is critical to examine the risks. If in doubt, speak to an experienced financial advisor about the best options for where you are in life.

November, 2021 Oxnard, California

Inside This Issue…

How To Earn Extra $ (WITHOUT Working)...Page 1

What Not To Say To A Caregiver…Page 2

Find Your Design Style…Page 2

7 Tips To Jog Your Memory…Page 3

Answer This Trivia Question and You Could Win $75 Gift Card for Lure Restaurant...Page 4 If I Get Multiple Offers On My House, How Do I Decide Which Offer To Accept ? …Page 4

Thinking Of Selling Your Home Soon? Don’t attempt to sell your home without my Free Consumer Guide, “ 6 Steps For Selling Your Home For Top Dollar .” My exclusive report will give you all the facts for a fast, top dollar sale. Get your free copy by calling me at… 805-701-8410

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!)… Makerspace (make-er-space) noun Meaning : A space where makers of various sorts work on projects or provide hands-on workshops Sample Sentence: A makerspace of jewelers, ceramicists, and carpenters is housed in our office building. Most Incredible Mother Valentina Vassilyeva is in the Guinness Book of World Records as having had a whopping 69 children. She was pregnant 27 times, giving birth to 16 pairs of twins, seven sets of triplets, and four sets of quadruplets! Checklist For Winter Save money and hassle by winterizing your home for the colder months: ➢ Test the sump pump : keep the basement dry by checking your sump pump is in working order. Pour a few gallons of water into the sump pit to raise the float and activate (it should kick on). Check window seals : air leaks can increase heating costs. Repair any cracks in window seals with caulking or weatherstripping. Clean gutters : remove debris from gutters so they drain properly when it rains or snows. ➢ ➢

Things Not To Say To Caregivers At some point in our lives, we will all be (or know) caregivers. It can feel like a thankless task, and friends and family occasionally make comments that are unhelpful or even hurtful. Here are some ways to best show empathy, help support the caregiver, and avoid upsetting them: DO SAY • “I really appreciate your caregiving. Is there anything I can do to support you?” • “You’re doing an incredible job. If you face any obstacles, please let me know if you need any assistance problem-solving.” • “I know you’ve been taking care of X for a while now. I’d love to gift you a massage or another self-care activity you’d like. • “I appreciate that it can be challenging to watch a loved one become frail and less able. I know that must be difficult. I’m here if you’d ever like to talk.” DON’T SAY • “Are you still caring for X? Wow.” • “You should really be spending your time doing X instead.” • “You’re never free to hang out. All you do is look after X.” Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At BchRealEstate.com How To Find Your Design Style Designing a room can feel overwhelming. But you don’t need to be an interior designer to have the room of your dreams. Here’s how to find your own design style and put it to work: • Download the Pinterest app (or web: www.pinterest.com) which is a social media platform that provides inspiration from interior design ideas to recipes. Simply search for room ideas and “pin” your favorite ideas onto your Pinterest board. • Look for inspiration at home : take a walk around your home and in your closet. Pick out your favorite pieces and before you know it, you’ll be able to identify trends in your design choices. Perhaps you go for neutral tones, mid-century modern furniture, or lots of texture. Or perhaps you’re more minimalist. Identifying trends will help narrow your style search. • Buy a design magazine and create a mood board : Check out your local store for interior design magazines. When you get home, go through the pages and cut out any images that stand out to you. Glue them onto large piece of cardboard and create a collage of your favorite design ideas. There is no right or wrong way to find your design style. It will become second nature before you know it. As you practice, you’ll start to notice that you have an instant reaction to design ideas, and more pronounced likes and dislikes. Trust your instincts! Here’s A Free, Valuable Resource…

B

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Replace outdoor lighting : with motion sensor lighting. This will prevent any slips or falls on dark days.

Quotes To Live By… “Sometimes you don’t realize your own strength until you come face to face with your greatest weakness.” –Susan Gale, artist

“Tough times never last but people do.” –Robert H. Schuller, pastor

“Stress is caused by being ‘here’ but wanting to be ‘there.’ ”

–Eckhart Tolle, teacher/writer

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

a

How To Keep Your Memory Sharp

1 Have A Laugh I couldn’t figure out why the basketball kept growing bigger. Then it hit me. Did You Know? Have you ever wondered if an egg is past its sell-by date? The best way to find out is by putting it in a glass of water. If it floats in the water, it is old. If it goes to the bottom of the glass, it is fresher. Natural Headache Remedies If you’re concerned about taking Tylenol for headaches, try these natural remedies first: ➢ Rub a couple of drops of peppermint essential oil on your temples ➢ Drink a large glass of water ➢ Use a heating compress or cold pack on your forehead Crypto Websites Want to invest in the future? Or just create passive income? These are some popular crypto currency and savings websites accessible to most investors. Brain Teaser… You measure my worth in hours — I last a finite amount of time. I can be slow when I’m wide and expire more quickly when I am thin. What am I? (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!

While aging can affect your memory, there are ways you can help yourself remember things and keep your memory sharp and organized. Try these ideas: . • Tell yourself what you’re doing : If you are heading into a room to find something, say it aloud: “I’m walking into the kitchen to get a glass of water.” • Use sticky notes : these are a great way to post reminders around the house. For example: keep one on the fridge to note any items you need from the grocery store, or put a note above the item it references (one near your outgoing mail about a bill that’s due, one in your car to remember to schedule your oil change, etc.) • Use your smart phone : why not double-up on the notes and make them virtual, too? Add appointment reminders, list items you need from the store, talking points for coffee with a friend, and things to talk to your medical provider about. • Get organized : place everyday items, like car keys and your phone, in the same place. You’ll save so much time looking for them every day if you keep them in the same spot. You could add a keyring hook by the front door for your car keys and keep your pocketbook in the closet by your coat. • Keep your mind active : why not play sudoku, try the latest crossword in the paper, or watch trivia shows to keep your mind in top shape? • Limit distractions : if you’re trying to have a conversation with someone, turn off the TV, or face the person, so you can focus on the information relayed. You’re more likely to retain details this way. • Be mindful of how you treat yourself : Adequate sleep, good food, and some medications can affect memory. Speak to your primary care physician about ways you can focus on memory health.

www.blockfi.com – a crypto site with no account minimums

www.getlinus.io – a high yield crypto savings account that you can invest USD to earn crypto-backed currency. www.outlet.finance – for crypto currency beginners, this site pays interest in US dollars with a return of up to 6%.

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?” (Remember: one winner per household every 90 days) Guess who won last month’s Trivia Question? I’m pleased to announce the lucky winner of last month’s drawing. And the winner is …drum roll please: Sandi Royce of The Colony. Two famous Italian artists bore the first name of Michelangelo. What were their last names? a) Bellini and Caravaggio b) Buonarroti and Caravaggio c) Botticelli and Caravaggio d) Buonarroti and Brunelleschi The answer is b) Buonarroti and Caravaggio Michelangelo. Buonarroti is the artist we know today as simply Michelangelo, while Michelangelo Merisi da Caravaggio went by Caravaggio.

Brain Teaser Answer: A candle.

Computer Voice Dictation If you use talk-to-text on your smartphone, you know it can be a great time-saver. But did you know you can also do the same on your laptop or desktop? On a Windows computer: • Press the Windows or Function key + H to open the dictation toolbar. You may need to enable online speech recognition (click the link if it pops up). Open the Apple menu, then System Preferences. Choose Keyboard, then Dictation. Click ‘On,’ then ‘Enable’ if the prompt pops up. For both, you’ll then be able to open a document or text field and dictate the way you do on a phone. If you have trouble, do a search online for your operating system + “voice dictation” for in-depth instructions. 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 Lic #01040021 RE/MAX Gold Coast 805-701-8410 florence@BchRealEstate.com BchRealEstate.com On a Mac: • 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.

What large island is a district of Denmark? a) United Kingdom b) Singapore c) New Zealand d) Greenland

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. If I get multiple offers on my house, how do I decide which offer to accept ? A. Multiple offers are a good thing. Still, you can make a mistake if you don’t look at more than just the sales price being offered. Carefully weigh each buyer’s offer by considering these factors: ❖ Is the buyer pre-approved? Never take your home off the market without knowing that the buyer is able to purchase your home. Pre-qualified is not the same as pre-approved, it’s only the first step in getting approved. ❖ What repairs does the buyer expect before closing? Even if you are willing to make repairs, think about the time it will take before you accept. ❖ What items does the buyer expect to remain in the house? Buyers may request to keep appliances or wall-mounted televisions. Factor the cost of replacing these in your next home into the offer before accepting. It is important to know all the facts before you respond to any offers. Ask for my Free Consumer Report called “How to Avoid 7 Costly Mistakes When Selling Your Home” to be informed and net more from your home sale. If you have questions, or need experienced and trustworthy representation, please call me at 805-701-8410 ❖ When do they want possession? When the buyer’s timing fits your preferences, it can make their offer more appealing.

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 … None Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Martinique

2

2

1459

Antigua

$799,888 $799,888

Market Average

Properties Pending…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Martinique

2

2

1368

Madeira

$799,888 $799,888

Market Average

Sold Properties… (01/01/21 Thru 10/18/21) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2216 Martinique 2242 Martinique 2375 Martinique 2317 Martinique

$675,000 $619,000 $639,888 $699,000 $659,888 $699,000

$400,000 $605,000 $625,500 $685,000 $691,000 $705,000

1459 1113 1113 1627 1217 1368

$274.16 $556.15 $561.99 $421.02 $567.32 $515.35

Antigua

06/14/21

Martinique (Phase I)

01/14/21 02/04/21 01/20/21 07/21/21

Martinique

Capri

1933 Majorca

Martinique

2171 Martinique

Madeira

03/02/21

2105 Martinique

$725,000

$725,000

1368

$529.97

Madeira

09/17/21 01/28/21

4464 Antigua

$725,000 $700,000

$725,000 $734,000

1368 1368

$529.97 $536.16

Madeira Madeira

2345 Martinique

07/09/21

4482 Antigua

$739,000

$744,500

1217

$611.75

Martinique

09/22/21

1994 San Tropez

$749,000

$756,500

1217

$477.38

Martinique (Ambassador) 09/29/21

4480 Antigua

$749,000

$764,000

1550

$493.22

Antigua

03/10/21 04/27/21 09/15/21 05/28/21 06/25/21 01/26/21 09/20/21 04/06/21 01/20/21 03/18/21 07/16/21 07/30/21 07/07/21 03/23/21 09/22/21

2370 Vina del Mar 2167 Martinique 2161 Martinique 2043 San Sebastian 1984 San Tropez 2311 Martinique

$789,888 $779,888 $799,888 $699,000 $829,888 $875,000

$780,000 $780,000 $802,500 $814,000 $818,000 $850,000

1627 1522 1459 1368 1628 1628

$479.41 $512.48 $550.03 $595.00 $502.46 $522.43 $529.48 $509.96 $558.95 $496.43 $841.94 $804.08 $677.92 $559.09 $522.43

Capri

Antigua Antigua

Madeira (Ambassador) Capri (Ambassador)

Capri

2287 Martinique

$850,000

$850,000

1628

Capri

2101 Martinique

$925,000

$925,000

1747

Capri

2234 Cannes

$1,060,000 $1,050,000 2059 $1,150,888 $1,100,000 2059 $1,195,888 $1,150,000 2409 $1,299,000 $1,305,000 1550 $1,595,888 $1,420,000 1766 $1,599,888 $1,570,000 2360

San Tropez San Tropez

2125 Vina del Mar 2110 Vina del Mar 1985 San Sebastian 4760 San Sebastian 2223 Vina del Mar Market Average

Cannes

Antigua (Ambassador)

Capri (Ambassador)

Vina del Mar

$ 882.315 $ 879,000

RE/MAX represented buyer, seller or both . Properties as of October 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 Listings… Address

List $

Sq.Ft. Floor Plan

3128 Sunset Lane

$559,000

925

Plan C

Market Average

$900,000

Properties Accepting Back Up Offers… Address List $

Sq.Ft. Floor Plan

Sunset Lane

$900,000 $900,000

1485

Villa (end unit)

Market Average

Sold Properties (07/01/2020 – 10/18/2021 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 03/24/21 09/29/21 04/01/21 11/18/20 07/30/21 07/20/20 07/31/20 04/06/21 10/08/20 07/21/21 10/14/21 11/16/20 07/09/21 08/06/21 07/16/21 08/30/21 09/03/20

2939 Harbor 3035 Harbor 3414 Sunset 3644 Sunset

$495,000 $525,000 $490,000 $540,000 $589,500 $589,500 $639,500 $625,000

925 781

$567.57 $691.42 $519.38 $424.02

Plan C Plan A

1135 1474

T-3 T-2

3120 Sunset

$642,000 $625,550

1198

$522.16

Plan D

2947 Harbor

$650,000 $632,500

1198

$527.96

Plan D

4506 LaBrea

$675,000 $635,000

1474

$430.80

T-2

2967 Harbor 4534 LaBrea

$649,000 $642,000 $639,900 $650,000 $669,000 $660,000 $659,000 $680,000 $699,000 $700,000 $749,900 $725,000 $769,000 $755,000 $769,000 $764,000 $800,000 $800,000 $825,000 $845,000 $850,000 $850,000

1198 1135 1319 1319 1198 1485 1198 1128 1406 1559 1489

$535.89 $572.69 $500.38 $515.54 $584.31 $488.22 $630.22 $677.30 $568.99 $542.01 $570.85

Plan D (end unit)

T-3

3480 Sunset

T-2 T-2

4514 LaBrea 2943 Harbor

Plan D (end unit)

3320 Sunset

Villa (end unit)

2949 Harbor 3013 Harbor 4531 La Brea 3354 Sunset 3125 Harbor

Plan D Plan B

Villa Villa

Villa (end unit)

10/20/20

3364 Sunset

$899,000 $899,000

1485

$605.39

Villa

08/25/21

3241 Harbor

$925,000 $925,000

1517

$609.76

Villa (end unit)

04/16/21

Market Average $553.41 Bold: REMAX Represented Buyers, Sellers or Both $697,555 $697,152

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of October 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