April 2018

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: Janet Ball of The Colony was the winner of the drawing for my quiz question What is the geographical term for a relatively shallow body of water separated from the open sea by a barrier? a) Lake b) Loch c) Lagoon d) Lacrosse

Brain Teaser Answer: They all do!

Say No To Robocalls  Don’t answer if you don’t recognize the number. A new trick is “neighbor spoofing” or calls from your own area code and prefix so you think it’s local. It’s not! List your number with DoNotCall.gov . Spammers may call you anyway. If they do, report them.  Get a screening app such as Truecaller or Nomorobo (subscribe to have it block telemarketers from your phone).  Some pre-recorded calls are allowed, including calls about a flight delay, reminders about an appointment or prescription etc. But they can’t try to sell you something. 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.  Have A Laugh… Q. Why don’t scientists trust atoms? A. Because they make up everything.

The answer is c) Lagoon. So let’s move on to this month’s trivia question.

In 1999 Time Magazine named Albert Einstein as “Person of the Century.” Who did they say was one of the two runners-up? a) Franklin D. Roosevelt b) Winston Churchill c) Sigmund Freud d) Pope John Paul II

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