October 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

Is Your Body Trying To Tell You To Slow Down?

It’s too easy to neglect self-care when we all have so much on our plates, but doing so can result in multiple health issues. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn some of the signs to look for that could mean it’s time to check in with your doctor. You’ll also learn about some tasty and healthy late-night snack options, what to consider before lending money to a family member, and what options are included with some top-rated smart doorbells – plus fun facts, a trivia challenge, and lots more.

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

January February

March

April May June

20 31 18

8 22

44 22 11 22 34 22 15 24 46 30

July

August

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

28

September

12 thru 9/18

October

96 81 115 34 61 87 100 41 63 79 93 32

2.4 4.13 5.74 1.8 2.45 3.81 4.71 1.23 2.54 3.32 4.3 0.89

November December

As of 9/18 I have two escrows at The Colony and one at HarborWalk scheduled to close by the end of this month. I have a Capri floor plan coming up (in 3 weeks) at The Colony and a Martinique with a yard will be coming up in December. Thinking of selling? Buyers are waiting for the right floor plan to come on the market. Let’s talk! 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 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…”



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…

5 Signs You May Not Be Taking Care Of Yourself Juggling the needs of work, family, and home often makes us forget the most important needs—our own. Rather than being selfish, self-care is critical. Without it, everything we’re juggling comes crashing down. If you’re not taking adequate care of yourself, your body will let you know. You just have to be paying attention to what it says! Here are a few signals your body can send that indicate it’s time to recharge your own batteries. If you notice some of these symptoms, it’s best if you start by having a chat with your physician. • Increased Forgetfulness: Forgetting occasional things might be normal but walking around in a fog all day is a problem. This may be a sign of simply not getting enough sleep, but it’s good to consult your doctor in case it’s a sign of a hormone imbalance. • Constant Fatigue: Do you wake up in the morning feeling tired? That might be a sign of something like inadequate levels of iron or other vitamins, or even sleep apnea. • Skin Changes: Our largest organ, skin, shows signs of ill health that are hard to ignore. If your skin is unusually dry, it might mean your diet needs more fatty acids. And sudden breakouts could also be a sign of stress or poor diet. • Muscle Twitches: If you notice random twitches in your leg muscles even when you’re relaxing, it may not be so random. It may stem from a lack of magnesium in your system. A blood test by your doctor will be able to identify that. • Mood Swings: If you’re more stressed or irritable than you think you should be, this can be a sign that your cortisol levels are too high. Your doctor can order a cortisol test, and regular exercise and proper sleep can help lower cortisol if it’s too high. Many low hormone or vitamin levels stem directly from an unhealthy diet, which means some of the issues listed above can be addressed with changed eating habits. Talk to your doctor about what you should be eating more of— and what to avoid—to feel healthier. 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

October 2021 Oxnard, California

Inside This Issue…

5 Symptoms Of Neglecting Self- Care…Page 1

Midnight Snacks That Are Actually Good For You…Page 2

Should You Lend Money To Family Members?…Page 3

Smart Doorbells Reviewers Love…Page 3

Answer This Trivia Question and You Could Win $75 Gift Card for Lure Restaurant...Page 4 What Experts Should I Talk To If My Home Is About To Go Into Foreclosure?...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!)… harbinger (pronounced HAR-bin-jer) noun Meaning: someone or something that is a sign of what’s to come Sample Sentence: My grandmother claims her aching knees predict the weather—when they start to hurt, she says, it’s a harbinger of rain. Chew On This… Travelers to Singapore have long known to leave the chewing gum at home. It’s been banned in the city-state since 1992 as part of an effort to keep the sidewalks clean. McDonald’s short-lived 2014 experiment in bubblegum-flavored broccoli (yes, really) might have been an interesting workaround, had it not been so universally detested. Have A Giggle… Why does Humpty Dumpty love autumn? Because he always has a great fall. Insulate Garage Doors? There are arguments on both sides of whether it’s worth the time and money to insulate your garage door. What isn’t in dispute, though, is the effectiveness of insulating the rest of your garage. Consider insulating the garage ceiling if there’s living space above it, and any walls the garage shares with the rest of the house. Quotes To Live By… “Life shrinks or expands in proportion to one’s courage.” – Anaïs Nin, Author “However difficult life may seem, there is always something you can do and succeed at.” – Stephen Hawking, Physicist “Experience is something you don’t get until just after you need it.” – Steven Wright, Comedian

Healthy Snack Alternatives For Late-Night Cravings It turns out that having a snack long after dinner isn’t inherently bad for you. What can be bad, however, is eating the wrong things just before bed. A general rule of thumb is to choose snacks that are higher in protein or fiber rather than sugar and carbohydrates. Beyond that, though, we need something that is tasty and satisfying—or we’ll just keep snacking. Here are a few healthier alternatives to what you might be craving late at night. Instead of: Try this:

Potato chips or pretzels

Pistachios, roasted pumpkin seeds: Salty and crunchy, and also packed with protein

Chewy candies

Goji berries, tart cherries: Chewy and sweet, and also nutritious superfoods

Ice cream

Greek yogurt, protein smoothie: Cold and sweet, and also has probiotics or protein

Sandwich

Whole wheat toast with peanut butter, carrots with hummus: Savory and filling, and also fiber- and protein-rich

Chocolate

Almond butter with banana or dates: Rich and sweet, and also has fiber and healthy fats

You know your tastes best, so let your palate be your guide for the healthy goodies to keep handy in your kitchen.

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

Lending Money To Family Nearly everyone has probably borrowed money from a family member at one time or another, but getting $20 to fill the gas tank is a far cry from asking for a loan to start a business or put a down payment on a house. Lending larger sums of money to a family member can be incredibly helpful to the borrower—and a defaulted loan has the potential to ruin an i relationship. These are a few things to keep in mind when you’re considering lending money to a loved one. • Don’t Skip the Paperwork: Even though you’re not a bank, creating a loan agreement is still a very good idea. There are loan contract templates online to get you started, but some basics to include are the amount lent, interest rate, and terms of repayment. • Not Building Credit: Young adults often need to borrow from their parents for big expenses (like buying a first home). It’s important to keep in mind, though, that while the interest rate on a family loan is likely to be low (or zero), it’s a loan that won’t help you establish or rebuild good credit. • Tax Implications: The IRS has established minimum interest rates, even on family loans. If you don’t charge any interest, the IRS considers that a gift— and monetary gifts are taxed differently. To avoid complications later, make sure you’re using the current federal loan rate and documenting the loan properly. If you’re not in a position to lend money, for whatever reason, and you still want to help, you might consider co-signing for a loan at a traditional lending institution. Before either loan money directly or co-sign for a loan, however, it’s a good idea to talk with your financial advisor. Top-Rated Smart Doorbells With the proliferation of smart doorbells, it’s easier than ever to keep your home safe and secure. The number of doorbells with video capabilities has grown significantly, so options have expanded and you can choose based on your needs. Here are a few of the top-rated smart doorbell makers. • Arlo (arlo.com/en-us/doorbell) is a favorite among some reviewers for its ability to tell the difference between people, vehicles, package deliveries, and animals. This does require a $3 per month subscription, though. • Eufy (us.eufylife.com/collections/video-doorbell) makes both wired and wireless models and can also distinguish between people and animals with no monthly subscription fee. Video storage longer than 30 days does come with a $3 per month charge, however. • Ring (ring.com/doorbell-camera) has multiple models (including one for apartment peepholes) with wired and wireless options. Saving footage longer than 60 days requires a $3 per month subscription fee. If video monitoring at your front door doesn’t feel like enough home security, note that most smart doorbell companies also make other devices that can all link together for a full in-home system. Devices range from cameras that you can install anywhere, security lights, a smart switch that will turn a light on indoors when motion is detected, to door locks you control with your phone. Would You Like To Know Ho Much Your Neighbor’s Home Listed Or Sold For? Maybe you’re just curious. Or maybe you want to kn w how much your home i worth. Either w y, I can help…with no “sales pitches” or run- arounds. Call me at 805-701-8410 and I’ll give you all the facts.

Brain Teaser… Henry is a six-foot-tall assistant at the local butcher shop and he wears size 10 shoes. What does he weigh?

(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 . “The Other Dream Team” The US basketball team at the 1992 Olympics wasn’t the only story worth telling that year. Lithuania’s Olympic basketball squad made headlines both for their performance on the court and their bright tie-dyed uniforms. Why tie- dye? Because the team had an unlikely sponsor—The Grateful Dead. The 2012 film “The Other Dream Team” tells the team’s tale, in which the colorful kit is only one of the fascinating storylines. Getting away from the barrage of technology interruptions in nature is great, but your phone can also help you learn what’s around you. iNaturalist : inaturalist.org/ The database behind the iNaturalist website and mobile app contains roughly 300,000 species of plants and animals, so it’s one-stop-identifying for most trips outdoors. Plus, it works even when you’re out of cellular and wifi range (free, Android and iOS) BirdNet : birdnet.cornell.edu/ The BirdNet app was built by the Cornell Lab of Ornithology and uses the mic on your phone to help identify birds by their calls—so you don’t even have to see a bird to find out what it is (free, Android and iOS) iTrack Wildlife : naturetracking.com/itrack-wildlife/ The “pro” version of iTrack Wildlife includes more than 800 photographs of animal tracks to help you figure out what critters are in the vicinity ($14.99, Android and iOS). Apps To Identify Flora & Fauna

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

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: Leigh Palmer of Oxnard. Which of these famous cookies is the most popular? a) Girl Scout Thin Mints b) Oreo c) Little Debbie d) Chips Ahoy!

Brain Teaser Answer: Meat!

The Wonders Of WD-40 If you only use WD-40 to keep hinges from squeaking, you’ll be thrilled to know about other creative ways to use this household staple. • Gum Remover : The lubricant makes it much easier to remove gum from almost any surface (including hair). Stainless Steel Cleaner : Stains disappear with soap and water after they get a spray of WD-40. Grout & Tile Cleaner : Spray WD- 40 on dirty tile areas, leave it for a few minutes, and wipe clean with soap and water. Deeply Funny What sits at the bottom of the sea and twitches? A nervous wreck. 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 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. •

The answer is b) Oreo. According to the consumer data company Statista, Oreo outsells all the others.

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

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

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 experts should I talk to if my home is about to go into foreclosure?

A. Avoid scammers, and talk to one or more of these professionals:

• Your REALTOR ® will help you review your options. • A Foreclosure Counselor will help you evaluate your current financial situation and serve as an advocate with your bank, free of charge. • A Tax Expert will advise you if you do a short sale or deed-in-lieu of foreclosure since forgiveness of debt may be considered taxable income. • A Credit Counselor can help you develop a plan to avoid future financial difficulty as well as help you repair your credit score. • An Attorney can help you if your lender has filed a foreclosure lawsuit. For more information on avoiding foreclosure, call and ask for my Free Consumer Report called “Options To Avoid Foreclosure.” I’ll be glad to 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 … None

Properties Accepting Back Up Offers… Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

1994 San Tropez

2

2

1217

Martinique (ambassador) $749,000

$749,000

Market Average

Properties Pending…

Address Antigua

Bdrms

Baths

Sq. Ft.

Floor Plan Martinique

Asking Price

2 2 3

2 2 2

1217 1522 1368

$739,000 $779,888

Martinique Martinique

Antigua Madeira

$799,888

Martinique

2

2

1627

Capri

$850,000

2311 Martinique

2

2

1627

Capri

$875,000 $808,755

Market Average

Sold Properties… (01/01/21 Thru 09/18/21) 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

4480 Antigua

$749,000

$764,000

1550

$493.22

Antigua

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

2370 Vina del Mar 2161 Martinique 2043 San Sebastian 1984 San Tropez 2101 Martinique 2125 Vina del Mar 2110 Vina del Mar 1985 San Sebastian 4760 San Sebastian 2223 Vina del Mar Market Average 2234 Cannes

$789,888 $799,888 $699,000 $829,888 $925,000

$780,000 $802,500 $814,000 $818,000 $925,000

1627 1459 1368 1628 1747

$479.41 $550.03 $595.00 $502.46 $529.48 $509.96 $558.95 $496.43 $841.94 $804.08 $677.92 $549.09

Capri

Antigua

Madeira (Ambassador) Capri (Ambassador)

Capri

$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

Cannes

Antigua (Ambassador)

Capri (Ambassador)

Vina del Mar

$ 896,952 $ 875,904

RE/MAX represented buyer, seller or both . Properties as of September 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

Sunset Lane

$900,000 $900,000

1485

Villa (end unit)

Market Average

Properties Accepting Back Up Offers… Address List $

Sq.Ft. Floor Plan

Harbor Blvd

$490,000 $699,000 $605,430

781

Plan A

2943 Harbor Blvd

1198

Plan D (end unit

Market Average

Sold Properties (07/01/2020 – 09/18/2021 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 04/01/21

2935 Harbor 2939 Harbor 3414 Sunset 3644 Sunset

$474,900 $474,900 $495,000 $525,000 $589,500 $589,500 $639,500 $625,000

925 925

$513.41 $567.57 $519.38 $424.02

Plan C Plan C

1135 1474

T-3 T-2

09/03/20

3120 Sunset

$642,000 $625,550

1198

$522.16

Plan D

11/18/20

4506 LaBrea

$675,000 $635,000

1474

$430.80

T-2

07/20/20 07/31/20 04/06/21 10/08/20 07/21/21 11/16/20 07/09/21 08/06/21 07/16/21 08/30/21

2967 Harbor 4534 LaBrea

$649,000 $642,000 $639,900 $650,000 $669,000 $660,000 $659,000 $680,000 $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 1485 1198 1128 1406 1559 1489

$535.89 $572.69 $500.38 $515.54 $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

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 $544.03 Bold: REMAX Represented Buyers, Sellers or Both $709,005 $705,725

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