March 2019

Florence's...

Service For Life !

Insider Tips for Healthy, Wealthy and Happy Living

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Florence Gadbois, Realtor CA BRE#01040021 (805) 701-8410 E-mail: Florence@BchRealEstate.com

Is Money A Source of Stress in Your Relationship?

Dealing with money issues is challenging enough, without the added complexity of a relationship. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn some essential tips to discussing this potentially challenging topic. You’ll also learn about simple checks you can perform every month to keep your skin healthy, how to make the most out of your blender, and some top tips to plan a weekend away – plus fun facts, a trivia challenge, and lots more. Here’s what’s happening in your neighborhood. . . Here are the Sales statistics for: MandalayShores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, The Colony, HarborWalk, HarborsWest, C.I. Waterfront Homes

Closed Escrows

Active Listings

Inventory (months)

2015 2016 2017 2018 2019 11 17 21 21 14

2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 50 62 75 70 67 2.48 2.7 4.02 2.13 4.49 53 63 84 53 91 2.78 3.03 3.95 2.59

January February

16 14 18 12 25 18 34 28 19 17 18 19 29 23 20 31 24 21 44 22 28 24 22 15 28 22 30 32

6 as of 2/17

March

72 70 84 63 87 80 88 60 95 74 107 54 96 83 112 70 99 102 102 97 95 112 103 92 91 106 95 95 87 107 96 81 75 93 61 87 64 83 63 79

3.03 3.69 3.9 2.51 4.33 3.58 4.72 2.42 4.22 3.8 4.99 2.82 4.35 4.73 4.19 4.2 4.3 5.27 4.26 4.1 4.13 5.11 3.82 4.21 3.83 5.18 3.83 3.67 3.33 4.52 2.4 4.13 2.8 4.06 2.45 3.81 2.81 3.64 2.54 3.32

April May June

July

August

September 27 26 29 23

October

25 24 28 16

November 21 19 23 19 December 20 22 11 12

I have a great new listing at HarborWalk…a 2 bedroom villa that has been beautifully updated and is in turn key condition. Asking: $729,000. In The Colony I have a great Madeira (largest downstairs) condo available for $599,000 with all new windows and doors as well as all new appliances. I have also put 4711 San Sebastian in Escrow. That is the Antigua floorplan (upstairs) in the Ambassador Series with the attached 2 car garage, a nice ocean view and air conditioning. 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, knowledgeable, 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…” 5 Essential Tips for Discussing Money with Your Partner Money can be an emotionally challenging topic for couples to discuss. It can feel uncomfortable, and people often have conflicting ideas when it comes to managing money. In fact, money is said to be a big factor in most divorces. Before miscommunication or disagreements happen, take some time to approach this crucial topic with your partner. Here are some tips to help you navigate potentially choppy waters: 1. Find a time to discuss money when you are both calm and relaxed. Don’t use a financial disagreement as a starting point for this conversation. Why not set aside time in your calendars to have the talk? 2. Ensure you approach the conversation with caution. Talk calmly and try to understand where your partner is coming from. Ask questions with curiosity and try not to be judgmental. Be prepared to pause and table for later if the discussion becomes heated or if you find yourself too much at odds. 3. Ask your partner what their financial values and goals are when it comes to money. For example, one partner may want to be frugal with day-to-day spending and splurge on a vacation twice a year, while the other partner is a strategic thinker and is planning to save for the children’s future education. 4. Discuss how you plan to handle the household finances. Should you have a joint account for utilities and the mortgage payments, or will there be a designated payer? How will you handle emergencies, like an unexpected repair?

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Buying A Home Soon? Get my Free Consumer Guide, “8 Secrets For Saving Thousands When Buying Your Home.” Call me right now at 805-701-8410 for details…

March 2019 Oxnard, California

Inside This Issue…

Top 5 Tips for Discussing Money with Your Partner …Page 1

Warning Signs of Skin Cancer …Page 2

Foods You Shouldn’t Put in the Blender …Page 2

Designing Small Spaces…Page 3

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

Who Determines the Value of My Home?...Page 4

5. Approach how you plan to handle debt: Will you keep separate credit cards? Consider how much debt you both plan to pay off each month.

Investing time in this crucial conversation will not only build trust, but deepen your communication skills with your loved one. The money talk can be a positive team-building exercise rather than a disagreement!

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

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

Don’t Put These in the Blender A blender is a great kitchen tool. From smoothies to soups, blenders can transform meals in a matter of minutes. But there are certain items you should avoid putting in your blender: 1. Boiling hot liquid. To avoid an explosion of hot liquid, or potential burns, wait for the liquid to cool for at least 5 minutes. Then pour in slowly, removing the stopper to allow the heat to escape. Before turning the blender on, cover the stopper hole with a tea towel to avoid splashes. 2. Anything really hard, like bones, nuts, and coffee beans. These will blunt the blade and potentially overwork the motor. Stick to a grinder or pestle and mortar for those items. 3. Foods that are frozen solid (see #2). Avoid frozen fruits or rock-hard items taken straight from the freezer. Instead wait for them to thaw in Ziploc bag placed in a bowl of warm water. 4. Potatoes or dough. These foods are too dense for a regular blender to work through, leading to overworking the motor. Use a food processor instead.

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!)…

Asana (ah-sahna) noun

Meaning : Any of various yoga postures

Sample Sentence: Work on your asanas in the morning, then treat yourself to brunch.

B Clove can relieve dental pain and treat cold sores. Grapefruit can help overcome sugar cravings. Be sure to use certified pure and organic oils and read the labels-cheap brands can have things added to them that you might not want on your skin. Have a Laugh… What is the best thing about Switzerland? Who knows, but their flag is a huge plus! Quotes To Live By… “You know you’re in love when you can’t fall asleep because reality is finally better than your dreams.” –Dr. Seuss  Essential Oil Uses Essential oils have been used for centuries, but beyond being used during a massage, do you know what other uses they have? Lemon can be used to remove sticky marks from surfaces. Lavender can be used to treat burns. Copaiba can be used to treat pain. Peppermint can relieve headaches. Lavender can relieve sunburn, and stop the itch on insect bites.        Oregano can treat a cold.

FREE Consumer Help Is Just A Phone Call Away Learn valuable secrets for saving thousands and avoiding costly mistakes when buying, selling or refinancing a home. Best of all, it’s FREE. Ask about my “ Insider’s Free Resources ” by calling me at: 805-701-8410

DID YOU KNOW …

Unlike most real estate agents, I DON’T spend my time pestering people with phone calls or bothersome interruptions to find good clients. Instead, I dedicate 110% of my time and energies to providing such outstanding service, people naturally think of me when a friend or family member needs help buying or selling a home. THANKS for your referrals!

Small Design Space

Most homes have small spaces somewhere that no one is quite sure what to do with. Here are some of the best tips to utilize that space so that it’s functional and beautiful:

❑

De-clutter. Keep the space tidy and free from clutter.

❑ Paint it white. It will look lighter and give the illusion of a bigger space. ❑ Choose furniture that has multiple purposes. Think a daybed that doubles as a guest bed. Or a shelving unit with a pull-down desk. ❑ Buy pieces with storage, like an ottoman with built-in storage ❑ Place artwork above eye level, drawing the eye upward. ❑ Designate the space as having a purpose. It can be a home office or a drinks area, for example. ❑ If the space has a window, hang draperies high above the actual window to make ceilings look higher and the area more airy. ❑ Not enough storage space out of view? Try open shelving, with pretty baskets, to store just about anything attractively. ❑ Use corners. Sectional sofas were designed for this purpose!

“This suspense is terrible. I hope it will last.”

–Oscar Wilde

“When I dare to be powerful — to use my strength in the service of my vision — then it becomes less and less important whether I am afraid.” –Audre Lorde

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

Warning Signs of Skin Cancer Do you know your ABCDEs of skin cancer? Skin cancer is the most common form of cancer, but many overlook the risks of prolonged sun exposure and may not catch warning signs before the cancer has advanced. Doing a self-exam once a month throughout the year can help you catch anything suspicious-looking on your skin. While most moles and spots on the skin are harmless, there are some warning signs to look for:

1 Brain Teaser… What goes up and down but remains in the same place? (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! It’s physically impossible to lick your elbow. Fingernails grow four times faster than toenails. Women blink twice as many times as men. Men get hiccups more often than women. During your lifetime you will produce enough saliva to fill two swimming pools! • • • • Photo Storage Websites Smartphones mean most of us have hundreds or thousands of photos to store. But if you’re a budding photographer in your spare time, you may want more than what your phone can offer. These are great online options for editing and storing images in the cloud. www.flickr.com – Flickr will store 1,000 images and videos for free, but you can upgrade to Pro to store more. Your images are displayed in a nice photostream. www.smugmug.com – A great option if you want to try to sell your photographs. You can create your own personal website (no free options). www.photos.google.com – Free- and includes basic photo editing, and easy album creation. Links easily to Android phones, too! Did You Know? •

A – Asymmetry . Normal moles are the same on both sides. Watch out for uneven halves.

B – Border irregularity . Borders should be smooth and even. Watch out for a tail or other irregularities.

C – Color . Most moles are one color and should match other moles. Look out for different shades or colors, especially red, white, or blue.

D – Diameter . Look out for changes in size. Most moles are small. Note if any moles are getting bigger.

E – Evolving . Moles usually look the same over time. Be alert to any changes, such as itching or bleeding, whether it has become raised, or whether it has changed in shape and size. As well as a regular exam looking out for these signs, it’s important you protect your skin to reduce the chance of developing cancer — limit sun exposure; wear hats and high-SPF sunscreen; and spend time in the shade when you’re able to. Visit this site for help with your monthly self-check: preventcancer.org/programs/save-your-skin/

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: Roger Pyle of Santa Barbara was the winner of the drawing.

Brain Teaser Answer: Stairs

What profession takes its name from an old word meaning “twelve dozen?”

Travel Tips for Long Weekends 

Decide on a budget and stick to it. You may find more interesting and out-of-the-way adventures by doing things cheaply. Think about visiting somewhere closer to have less travel time. Book accommodations in advance. Plan your itinerary in advance to get the most from your limited time.

a) artist b) doctor c) carpenter d) grocer

The answer is d) grocer. So let’s move on to this month’s trivia question. To enter the drawing for this month, correctly answer this quiz question:



 

According to the Congressional Research Service, in which decade did the largest percentage of the workforce belong to a union?

a) 1980s b) 1940s c) 1950s d) 1920s

 

Pack carry-on luggage.

Ditch the main drag for restaurants and check out local spots.

Call Me At 805-701-8410 OR Email Me At Florence@BchRealEstate.com And You Could Be One Of My Next Winners!

   

Pack snacks.

Put your phone on silent.

Real Estate Corner…

Don’t be put off by the off-season. Extend your weekend if you can!

Q. Who determines the value of my home?

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.

A. When you’re ready to sell your home, you may be wondering what price to ask and how much you’ll get. Primarily, there are two people who determine the initial and final price of a home. 1. Appraisers will look at recent comparable sales. You can look online and see what homes have sold for in the last 6-12 months. Selling prices are a stronger indication than asking prices. How similar are the homes that sold to your home in size and features? 2. Buyers will make an offer based on their ability to pay and how much they like your home compared to other homes for sale. Did you notice I left someone important out? What about you, the seller? Only the market determines the final price at which your home will sell. However, as the seller, you can influence how long it will take to sell by offering a reasonable price. To learn more, ask for my Free Report called “6 Steps For Selling Your Home For TOP DOLLAR.” I’ll send a copy right over to you…or download it from the web site: BchRealEstate.com

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….

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

4446 Antigua Way

2

2

1549

Antigua

$588,888

4463 Antigua Way

2 2 2 2 3 3

2 2 2 2 3 3

1368 1549 1517 1627 2360 2139

Madeira

$599,000 $604,888 $615,000 $629,000 $999,000 $1,499,888 $790,809

Antigua

Antigua

Martinique

Antigua (Phase I)

2031 Majorca

Capri

2222 Cannes Sq. 2315 Vina del Mar Market Average

Vina del Mar San Tropez

Homes Accepting Back-Up Offers… Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

4711 San Sebastian

2

2

1550

Antigua (Ambassador)

$729,000 $729,000

Market Average

Homes Pending…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

2223 Martinique

2

2

1113

Martinique (Phase I)

$539,000 $539,000

Market Average

Sold Properties… (01/01/18 Thru 02/18/19) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold 01/31/18 02/05/18 07/25/18 04/22/18 05/11/18 06/07/18 08/14/18 02/26/18 03/27/18 03/30/18 06/11/18 04/27/18 05/23/18 10/18/18 10/23/18 05/25/18 08/24/18 07/06/18 05/31/18 04/11/18

4442 Antigua

$499,888 $499,999 $549,888 $595,000 $589,000 $624,888 $638,888 $635,000 $635,000 $649,000 $655,000 $639,888 $640,000 $679,500 $669,000 $799,000 $845,000 $839,888 $1,050,000 $1,295,000 $707,406

$466.000 $490,000 $525,000 $575,000 $575,000 $615,000 $625,000 $625,000 $625,000 $625,000 $627,500 $628,000 $640,000 $648,000 $669,000 $785,000 $820,000 $830,000

1217 1368 1217 1368 1550 1459 1549 1459 1368 1369 1627 1550 1369 1800 1800 1628 2360 2360

$382.91 Martinique $358.19 Madeira

2365 Martinique 1955 Majorca 2133 Martinique 2051 Majorca 2386 Martinique 2227 Martinique 2313 Martinique 1990 San Tropez 2317 Martinique 2345 Martinique 1900 Majorca 2325 Martinique 1992 San Tropez 2202 Vina del Mar 2206 Vina del Mar 2333 Vina del Mar 1965 San Sebastian Market Average 4451 Antigua 4440 Antigua

431.39

Martinique

$420.32 Madeira $370.97 Antigua

$421.52 Antigua (Phase I)

$403.49 Antigua

$428.38 Antigua (phase I)

$456.87 Madeira

$456.54 Madeira (Ambassador)

$385.68 Capri $405.42 Antigua $467.49 Madeira $359.80 Capri

$379.04 Capri

$482.19 Capri (Ambassador)

$347.46 Vina del Mar $351.69 Vina del Mar $434.32 Vina del Mar

$1,025,000 2360 $1,215,000 1550

$783.87 Antigua (Ambassador)

$687,289

$429.29

RE/MAX represented buyer, seller or both . Properties as of February 18, 2019 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. ”

Homes Currently Active … Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Harbor

2 2

3 3

1502 1402

Villa

$699,000

3135 Harbor

Villa (end unit)

$729,000 $714,000

Market Average

Sold Properties (01/01/18 Thru 02/18/19) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3039 Harbor 2949 Harbor 3031 Harbor 3057 Harbor 3554 Sunset 3013 Harbor 3120 Sunset 3624 Sunset 3424 Sunset 3420 Sunset 3674 Sunset

$365,000 $495,000 $549,000 $524,500 $549,000 $539,000 $575,000 $580,000 $595,000 $$595,000 $605,000 $619,999 $650,000 $710,000 $571,180

$370,000 $490,000 $500,000 $515,000 $520,000 $539,000 $575,000 $580,000 $580,000 $583,000 $590,000 $610,000 $635,000 $695,000 $562,643

781

$473.75 $409.02 $443.26 $456.56 $458.15 $477.84 $479.97 $511.01 $511.01 $413.18 $400.27 $462.47 $481.43

Plan A Plan D Plan B Plan B

06/20/18

1198 1128 1128 1135 1128 1198 1135 1135 1411 1474 1319 1319 1485

08/31/18 05/11/18 10/22/18 07/13/18 03/14/18 02/28/18 02/15/19 06/25/18 08/07/18 05/21/18 09/19/18 04/13/18 10/30/18

T-3

Plan B Plan D

T-3 T-3 T-3 T-1 T-2 T-2

3650 Sunset

4526 LaBrea 3225 Harbor

$468.01

Villa (end unit)

Market Average

$458.34

Bold: REMAX Represented Buyers, Sellers or Both

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of Feb. 18, 2019. 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.