October 2020

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

Would You Like To Save $ Online?

Saving money for a rainy day is important, in good and bad times! In today’s Service For Life ! ® Free consumer newsletter, you’ll learn tips to get entertainment and useful tools online for free.

You’ll also learn about simple things to reduce inflammation caused by sugar, which papers you should be shredding, and how to buy appliances that last– plus fun facts, a trivia challenge, and lots more.

Here are the sales statistics for the Beach/Marina area, which includes 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)

2016 2017 2018 2019 2020 17 21 21 14 23

2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 62 75 70 67 80 2.7 4.02 2.13 4.49 4.14 63 84 53 91 92 3.03 3.95 2.59 3.37 4.68 70 84 63 69 89 3.69 3.9 2.51 4.5 4.68 80 88 60 87 90 3.58 4.72 2.42 5.46 4.9 74 107 54 108 93 3.8 4.99 2.82 6.98 4.29 83 112 70 128 78 4.73 4.19 4.2 7.04 4.38 102 102 97 122 80 5.27 4.26 4.1 6.88 4.05 112 103 92 125 62 5.11 3.82 4.21 7.04 4.78 106 95 95 126 51 5.18 3.83 3.67 6.3

January

February 14 18 12 15 11

March

18 34 28 14 17 17 18 19 20 17

April May June July

8

23 20 31 18

21 44 22 11 22

24 22 15 24

46

August

22 30 32 29 32

September 26 29 23 27

21 thru 9/20

October

24 28 16 15

107 96 81 115 93 61 87 100 83 63 79 93

4.52 2.4 4.13 5.74 4.06 2.45 3.81 4.71 3.64 2.54 3.32 4.3

November 19 23 19 14 December 22 11 12 22

Currently, there is nothing on the market at HarborWalk and only 3 available at The Colony. Just listed 2317 Martinique in The Colony and have some single story listings coming up soon. Call me for more info. Thinking of selling? With our inventory at an all time low and interest rates hitting rock bottom, now may be the time. 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

Florence’s…

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Free Things Online Don’t let social distancing take the fun out of entertainment! Though this year has meant much more time spent at home, you can still shop and access entertainment online. In fact, many of the things you already pay for you can now get for free.  Free video: Many people already stream premium services like Prime, Hulu and Netflix, but did you know there are a range of streaming apps for free? Also, if you have a Spotify music subscription you can get Hulu for free! Try these free streaming services: o Crackle – www.crackle.com o Vudu – www.vudu.com o Hoopla – www.hoopladigital.com o IMDb TV – www.imdb.com o The Roku Channel – www.roku.com (with Roku account) o Tubi TV – www.tubitv.com  Free games : Games can be expensive but there are plenty of free options available on almost all gaming devices (PC, PS4, Xbox, and Nintendo Switch). Search on your device for the following free games: o Star Wars: The Old Republic o Apex Legends o Call of Duty Warzone o Fortnite: Battle Royale  Free photo editing : Forget splurging on expensive photo software and instead try editing images for free with these apps: o Pixlr – www.pixlr.com o Paint.Net – www.getpaint.net o GIMP – www.gimp.org  Free disposable email : Many websites now need an email address to sign up for a discount, but after that your account is inundated with emails. 10 Minute Mail allows you to sign up for an email that gives you enough time to confirm your subscription, get the offer code, and then delete the email address — saving you time having to unsubscribe and delete lots of unwanted emails. Access via www.10minutemail.com Thinking Of Buying A Home Soon? If you’re planning to buy a home in the next 6 months, you’ll want a copy of my Free consumer guide, “ 7 Secrets For Saving Thousands When Financing Your Next Home .” My report will help you avoid frustrations and costly pitfalls when buying a home. Simply call me to get a free copy: 805-701-8410



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…

October 2020 Oxnard, California

Inside This Issue…

How To Get Free Things Online…Page 1

Learn About Sugar And Inflammation…Page 2

How To Buy Appliances That Last…Page 3

Papers You Should Be Shredding…Page 3

Answer This Trivia Question and You Could Win $75 Gift Card for Lure Restaurant...Page 4

A Seller Offered to Finance Me– What Does That Mean?...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: To convert something into digital form Sample Sentence: The hospital digitized the x-rays, making them available to doctors virtually. If your AC unit is smelling a little funky, tape a dryer sheet over it before turning it on. Keep an emergency medical card in your wallet containing vital information like allergies, blood type, and emergency contacts. Sick of your phone charger snapping at the end? Use a spring from an old pen and attach it to the end of the charger to keep it from bending. Just home from the store but don’t want to wait hours for your drink to get cold? Wrap it with a wet paper towel and put it in the freezer. It’ll be ice cold in 15 minutes. Concerned about leaving your valuables at the beach while you swim? Clean out an old lotion bottles and place your phone and keys in it, deterring thieves. 2. 3. 4. 5. Why Don’t Scientists Trust Atoms? Because they make up everything! Quotes To Live By… “You’re off to great places, today is your day. Your mountain is waiting, so get on your way.” –Dr. Seuss “No one is perfect — that’s why pencils have erasers.” –Wolfgang Riebe, magician “In every day, there are 1,440 minutes. That means we have 1,440 daily opportunities to make a positive impact.” –Les Brown, speaker Digitize (dig-i-tize) verb 5 Life Hacks 1.

Does Sugar Cause Inflammation? Research shows that what we eat has a significant impact on our bodies. In particular, excess sugar is known to increase inflammation in the body. Chronic inflammation can result a range of ailments and poor health outcomes, including depression, anxiety, aches and pains, low immunity, digestive issues, fatigue and insomnia, cancer, diabetes, arthritis, and Alzheimer’s. What is inflammation? In a nutshell, inflammation is the body’s response to foreign substances and is part of its defense mechanism. Chronic inflammation, however, can cause disease because the body is constantly on alert and stressed. Sugar increases inflammation in several ways including: weight gain, higher bad cholesterol, a more permeable gut (which allows bacteria and toxins into the bloodstream) and an increase in harmful inflammation markers. Reducing sugar in your diet is linked to reducing inflammation. The problem is that sugar is in almost everything and a lot of the time we don’t even know it. It is in dressings, drinks, yogurt, snack bars, tea, alternative milks, supplements, cereal, and even health foods. The Food and Drug Administration recommends that added sugar should account for less than 10 percent of your total daily calories. Here are some ways to cut out sugar in your diet and help reduce inflammation:  Read food and drink labels. Choose items that contain no added sugar  Ditch the sugar in your cupboards. Replace sugar with natural sweeteners like honey, agave, maple syrup, and stevia  Taste things before adding sugar. You might end up preferring food without the extra sweetener  Avoid artificial sweeteners  Eat fresh fruits and vegetables over canned foods  Swap soda for flavored water  Substitute sugar with applesauce in recipes  Eat more fruit  Buy chocolate that is sweetened with stevia instead of sugar  Make your own desserts using naturally sweet foods like dates

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

Buy Appliances That Last Appliances aren’t made to be as durable as they used to be. Changes in manufacturing have led to cheaper parts being used, and this applies to dishwashers, refrigerators, clothes washers and dryers. Products also have more electronic systems, increasing the risk that more parts will fail. Here are tips on how to pick an appliance that lasts:  Choose a well-known brand that has inexpensive replacement parts: Whirlpool, Electrolux, KitchenAid, Maytag, and Frigidaire.  Consider how much you need all the extra gadgets on an appliance, and decide on important ones (maybe extra bins in the freezer instead of a Bluetooth connection).  Ensure you buy a surge protector to protect appliances from voltage spikes.  Avoid washers with digital displays – they are expensive to replace.  Consider the brand Speed Queen for laundry: Consumer Reports say these washers and dryers are made to last and rank highly in reliability scores.

Brain Teaser… I cannot be purchased but can be given.

I may be worthless to one, but invaluable to two. 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 Are You Storing Potential Earnings? On average, most Americans have over 300,000 items, and 1 in 4 Americans have a clutter problem! Research for Huffington Post found that 84 percent of Americans worry that their homes aren’t organized enough and it’s a big cause of stress. Maybe it’s time to declutter AND destress! Make $$ With Your Clutter Now that you’re aware of how much stuff is in your home why not take the opportunity to sell a few things? You don’t even have to leave your home! -List items for sale on Facebook Marketplace , the Nextdoor app, or Craigslist.org (search online for any of these and how to use each). -Arrange for a porch/front door pickup (or, meet in a public place). -Leave the item outside and ask the buyer to pay you electronically or place the money in your mailbox. Self-Improvement Websites These sites help keep you motivated while you learn something new. www.greatist.com – Here you’ll find articles on fitness, nutrition, relationships, and mental health. www.thoughtcatalog.com – This website is full of inspirational stories and a community of people engaged in sharing their ideas and experiences of self-improvement. www.lifehacker.com – A site full of practical hacks, knowledge, and self- improvement tips.

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.

Papers You Should Be Shredding

To ensure you don’t become a victim of identity theft, always shred the following items (post this list over the shredder!):

 Expired or cancelled credit cards  Credit card offers  Utility and credit card bills  Anything containing your social security number  Documents that include banking information, your name and address, signatures, bank account and card numbers  Tax returns that are more than 7 years old  Boarding passes  Prescription labels  Receipts with your card number and signature  Pet medical papers  Resumes

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: Mike Davis was the winner of last month’s drawing.

Brain Teaser Answer: Love

Did You Know? As well as being a great stress reliever and popular packaging item, bubble wrap was actually invented as wallpaper. Engineers Al Fielding and Marc Chavannes invented bubble wrap in 1957, by accident. They were trying to develop textured wallpaper by sealing two shower curtains together and trapping air bubbles. In 1960 they founded Sealed Air Corp and a year later began using it as packaging material. Handy Items for First-Time Homebuyers It would be great if the expenses stopped at the down payment, but you can tackle many projects yourself with these handy tools (they make good housewarming gifts, too):  Snake for unblocking drains  Flashlight  Plunger for blocked toilet(s)  Safety goggles  Stud finder 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.

What inspired cartoon character Scooby-Doo’s name?

a) A song b) A dessert c) A dance d) A pet

The answer is a) A song. Frank Sinatra's song "Strangers in the Night" inspired Scooby-Doo's name (doo-bee-doo).

To enter October’s drawing, answer this month’s trivia question…

Which of these airports is not in France?

a) Bastia-Poretta b) Almeria c) Biarritz d) Orly

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. A seller offered to finance me. What does that mean to me?

A. This is one of the options you might consider if you want to buy a home but can’t afford a significant down payment. In a “seller take-back,” the seller holds a second mortgage for you and becomes your lender. You would make your monthly mortgage payments to the seller. Other ways to buy a home with little down include using local or federal government programs, using a tax refund, and asking a relative or friend for a financial gift. Before you do any of the above, consult a professional REALTOR ® about your options. A REALTOR ® also will provide you with direction and connections to a lender and help you avoid costly traps and pitfalls in the home-buying process. For more information on down-payment options, ask for my Free Consumer Report “4 Quick Ways To Buy A Home With Little Down.” I’ll send a copy right to you.

Do you have a question related to real estate or home ownership? Please 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….

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

Martinique

2 2 3

2 2

1450 1627 2059

Antigua (Phase I)

$689,888

2317 Martinique

Capri

$725,000 $1,050,000 $821,629

Cannes Square

2.5

San Tropez

Market Average

Homes Accepting Back Up Offers …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

San Tropez

2

2

1217

Martinique (Ambassador)

$624,888 $624,888

Market Average

Sold Properties… (09/20/19 Thru 09/19/20) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

2382 Vina del Mar

$499,000

$504,000

1113

$452.83

Martinique (Phase I)

10/31/19 02/05/20 01/03/20 03/02/20 01/28/20 06/24/20 07/02/20 04/13/20 01/03/20 07/10/20 07/29/20 10/29/19 06/26/20

2067 San Sebastian

$579,888 $535,888 $539,888 $539,000 $539,000 $545,000 $587,900 $599,888 $595,000 $619,888 $665,000 $629,888 $639,888 $650,000 $648,888 $679,888 $669,888 $678,000 $679,888 $710,000 $835,000 $889,000

$515,000 $518,000 $525,000 $525,000 $530,000 $547,500 $570,000 $590,000 $595,000 $605,000 $625,000 $625,000 $635,000 $635,000 $650,000 $650,000 $659,000 $670,000 $679,888 $725,000 $812,500 $875,000

1218 1217 1217 1368 1217 1368 1368 1368 1368 1368 1627 1807 1218 1368 1368 1217 1549 1780 1450 1550 1550 1368

$422.82 $425.64 $431.39 $383.77 $435.50 $400.22 $416.67 $431.29 $434.94 $441.93 $384.14 $348.58 $521.35 $464.18 $475.15 $558.20 $425.44 $376.40 $465.68 $467.74 $524.19 $639.15 $444.92 $444.92 $511.87 $438,06

Martinique (Ambassador

2055 Majorca 4405 Antigua

Martinique Martinique

2103 Martinique

Madeira

1955 Majorca 2365 Martinique

Martinique

Madeira Madeira Madeira

4413 Antigua

2204 Martinique 2206 Martinique 1936 San Tropez 2361 Martinique 4687 San Sebastian 2007 San Tropez 4492 Antigua Way

Madeira (upper level) Madeira (Ambassador)

Capri Capri

Martinique (Ambassador) 09/18/20

Madeira

07/22/20 08/17/20

4415 Antigua

Madeira

2067 San Sebastian

Martinique (Ambassador) 07/10/20

2021 Majorca

Antigua

04/03/20 11/20/19

4421 Antigua

Capri

2177 Martinique

Antigua

07/23/20

4477 Antigua

Antigua

08/17/20 12/11/19 07/16/20 01/03/20 09/17/20 11/06/19

4674 San Sebastian 4742 San Sebastian 2123 Vina del Mar 2323 Vina del Mar 2127 Vina del Mar Market Average

Antigua (Ambassador) Madeira (Ambassador)

$1,125,888 $1,050,000 2360 $1,149,888 $1,050,000 2360 $1,175,888 $1,100,000 2149

Vina del Mar Vina del Mar

Cannes

$701,568

$681,699

RE/MAX represented buyer, seller or both . Properties as of September 20, 2020 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… None

Properties Accepting Back Up Offers …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

3 2

2.5

1485 1319

Villa

3320 Sunset

$749,900 $669,000 $709,450

Sunset

2

T-2

Market Average

Sold Properties (09/01/19 Thru 09/20/20) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3132 Sunset 3110 Harbor 3130 Sunset 2935 Harbor 3111 Harbor 2949 Harbor 3142 Sunset 3450 Sunset 3444 Sunset 3034 Sunset 4506 LaBrea 3644 Sunset 2967 Harbor 3340 Sunset

$415,000 $456,800 $479,000 $474,900 $499,000 $575,000 $599,000 $610,000 $639,000 $649,000 $675,000 $639,500 $649,000 $729,000 $573,008

$405,000 $465,000 $440,000 $474,900 $489,000 $560,000 $580,000 $595,000 $611,000 $630,000 $635,000 $625,000 $642,000 $729,000 $559,825

925

$437.84 $502.70 $484.32 $513.41 $433.51 $467.45 $448.22 $451.10 $414.52 $525,88 $430.80 $430.80 $535.89 $490.91

Plan C

12/13/19

925 925 925

Plan C (end unit)

08/17/20 09/30/19 07/07/20 12/05/19 12/13/19 05/13/20 09/27/19 09/09/19

Plan C Plan C Plan B Plan D Plan D

1128 1198 1294 1319 1474 1198 1474 1474 1198 1485

T-2

Villa

Plan D

06/16/20

T-2

07/20/20

T-2

09/03/20 07/31/20 02/28/20

Plan D (end unit) Villa (end unit)

Market Average

$444

Bold: REMAX Represented Buyers, Sellers or Both

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of September 20, 2020. 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.

HarborWalk floor plans are available at:

HarborWalkCondos.com

Florence’s

MarketWatch ™ “ Here’s Neighborhood Home Information For Harbour Island To Help You Evaluate The Value Of Your Investment. ”

Homes Currently Active … Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

4206 Harbour Island

2 2

2 2

2164 1937

Plan B (Balboa) Plan A (Avalon)

$849,000 $889,000 $869,000

Emerald Isle

Market Average

Homes Accepting Back Up Offers … Address Bdrms Baths

Sq. Ft.

Floor Plan

Asking Price

Pearl Way

2 2

2 2

2164 2164

Plan B (Balboa) Plan B (Balboa)

$ 925,000 $1,179,000 $1,052,000

Emerald Isle

Market Average

Pending Properties … Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Pearl Way

2

2

2164

Plan B (Balboa)

$974,900 $974,900

Market Average

Sold Properties (08/20/19 Thru 09/20/20) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold 03/26/2020 03/11/2020 01/13/2020 08/11/2020 07/14/2020 09/11/2020 07/10/2020 8/19/2020 07/27/2020 09/09/2019

1747 Emerald Isle 1737 Emerald Isle 1748 Emerald Isle 1727 Emeral Isle 4216 Harbour Island 4241 Harbour Island 1706 Emerald Isle

$779,000 $865,000 $850,000 $869,000 $899,000 $885,000 $935,000 $939,000 $995,000

$720,000 $810,000 $850,000 $865,000 $875,000 $875,000 $905,000 $920,000 $975,000

1937 2164 2164 1937 1937 1937 2164 1937 2164

$371.71 $399.72 $392.79 $446.57 $451.73 $451.73 $432.07 $474.96 $450.55 $506.95 $373.32 $447.98

Plan A (Avalon) Plan B (Balboa) Plan B (Balboa) Plan A (Avalon) Plan A (Avalon) Plan A (Avalon) Plan B (Balboa) Plan A (Avalon) Plan B (Balboa Plan C (Carmel)

1727 Pearl Way

4222 Harbour Island 1953 Emerald Isle

$1,369,000 $1,350,000 2663

4254 Harbour Island $1,800,000 $1,500,000 4018

Plan D (Del Mar) 08/29/2019 Plan D (Mel Mar) 06/23/2020

1712 Emerald Isle

$1,825,000 $1,800,000 4018

Market Average $428.10 Bold: REMAX Represented Buyers, Sellers or Both $1,102,354 $1,051,818

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of September. 27, 2020. 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.

To see Harbour Island Floor Plans go: Http://HarbourIslandCondos.com