June 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 Your Commute Making You Sick?

Travelling to work could be the cause of a range of physical and mental symptoms you may be experiencing. But fear not, in today’s Service For Life ! ® free consumer newsletter, you’ll learn tips to adapt your job to make commuting take less of a toll on your health so that you have the energy to do the things you love. You’ll also learn about financial tips for first-time parents, 5 ways to save money on pets, ceiling painting tips to give the illusion of a bigger space – plus fun facts, a trivia challenge, and lots more. But first… Here is what’s happening in your neighborhood . Sales statistics for: Mandalay shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, The Colony, HarborWalk, HarborsWest, C.I.Waterfront Homes, and Harbour Island

Closed Escrows

Inventory (months)

Active Listings

2015 2016 2017 2018 2019 11 17 21 21 14 16 14 18 12 15 25 18 34 28 14 19 17 18 19 20

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 3.37 72 70 84 63 69 3.03 3.69 3.9 2.51 4.5 87 80 88 60 87 4.33 3.58 4.72 2.42 5.46 95 74 107 54 108 4.22 3.8 4.99 2.82

January February

March

April May June

29 23 20 31 24 21 44 22 28 24 22 15 28 22 30 32

11 thru 5/20

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

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

July

August

September 27 26 29 23

October

25 24 28 16

November 21 19 23 19 December 20 22 11 12

Just a word… We just closed escrow on 2305 Martinique in The Colony – closed for $535,000. Opened escrow on 4463 Antigua – asking $589,000 And listed 2242 Martinique Lane with a fantastic back yard with garage access – Asking: $579,000 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 BRE#01040021 RE/MAX Gold Coast

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

Warning Before You Sell Your Home... Don’t put your home on the market without my Free Consumer Guide titled, “ How To Avoid 7 Costly Mistakes When Selling Your Home .” 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 or go to the web site; BchRealEstate.com accident-prone, so it’s best to anticipate this and have some money saved for a rainy day. Aim to save three to six months’ worth of living expenses. Florence’s… Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Finances for First-Time Parents Most of us know someone expecting baby number one. Or maybe it’s you! For a lot of new parents, finances are not the biggest priority. But planning ahead can make the first year easier so you don’t have to think about money. Instead, you can spend the time enjoying your new, expanded family. To avoid the stress of unexpected costs associated with your newborn and to create a secure financial future, there are some steps you can take to make sure you stay on track.  Understand the health costs of having your child . Check with your health insurance provider to estimate the costs of: prenatal care, labor and delivery, and other associated charges.  Plan for parental leave . Decide if you and your partner will take maternity leave, paternity leave, or both. Also, review your workplace and state policies on parental leave so you’ll know exactly how much time you’ll have off work.  Don’t postpone college planning — get started now. Even though college seems like years away, starting early means you are securing your child’s future now and avoiding a hefty bill later. Tuition in 18 to 20 years is expected to cost anywhere between $300,000 to $400,000.  Make a budget and try to stick to it . Research post-delivery expenses, like diapers, medical costs, strollers and other equipment, childcare, extra food, and household expenses. You can also compare the cost of essential items in different stores. You may be able to take advantage of new parent offers and seasonal sales. There are also lots of free items listed on Nextdoor.com or Facebook Marketplace ( facebook.com/marketplace ), along with local Buy Nothing groups ( buynothingproject.org ). Take advantage of budgeting tools that help keep you on track: youneedabudget.com , mint.com , or quicken.com .  Start an emergency fund . Any parent will tell you that kids can be



Buying A Home Soon-for the first time? Get my Free Consumer Guide, “Top 10 First-Time Homebuyer Mistakes to

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

June 2019 Oxnard, California

Inside This Issue… Finances for First-Time Parents…Page 1 Is Your Commute Unhealthy? …Page 2 5 Tips to Save $$$ On Pet Costs…Page 3 Paint Your Room Larger…Page 3 Answer This Trivia Question and You Could Win #75 Gift Card for Lure Restaurant...Page 4 How Do I Build Wealth in Real Estate?...Page 4

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

Thank You! Thank You! Thank You! Thank You! Thank You!  Solution : Try stretches designed specifically for desk jobs. There is a handy video on this website: www.verywellfit.com - just search for “best stretches for office workers.” Commute Making You Sick? The average commute for Americans is 26 minutes to and from work each day, adding up to 200 hours per year. For some, a commute can be over an hour each direction in highly populated cities such as New York. Whether you’re traveling by car, bus, train, or subway, research has found that stressful commutes are associated with a wide range of health problems that impact us physically and mentally:  Increased blood pressure, cholesterol, and blood sugar from traveling and long days  Solution : Ask your boss to work from home at lease one day a week, or consider working four longer days, with a three-day weekend.  Weight gain due to increased snacking, eating on the go, and more time spent sitting down  Solution : Get up from your desk every hour, stretch, and move around. Take healthy snacks to work, and take a walk on your lunch hour.  Higher risk of anxiety and depression and a lack of sleep due to elevated stress levels  Solution : Ensure you get sufficient breaks, and adequate rest (at least 8 hours of sleep per night), and try to lift your mood by exercising regularly.  Increase in colds and viruses from traveling in close proximity to other people on trains, buses, and subways  Solution : Keep sanitizing wipes in your pocket and be sure to wash your hands regularly. Drink lots of water, which can help detoxify the body.  More aches and pains, especially in the back and neck areas

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!)… Hothouse (hawt-hous) noun Meaning: a heated greenhouse maintained at a high temperature, especially for the cultivation of tropical plants. Sample Sentence: They grow tomatoes in their hothouse even in the winter. The Benefits of Meditation Meditation is becoming an increasingly popular practice to deal with stress. It may seem new-age, but it has been around for thousands of years. Scientists have shown meditation’s numerous health benefits: √ Reduces stress √ Controls anxiety √ Improves emotional well-being As little as five minutes a day makes a difference. Try the apps: Headspace , Calm , or Insight Timer for free guided meditations. Have a Laugh… There’s a mathematician who’s afraid of negative numbers. She’ll stop at nothing to avoid them. Quotes To Live By… “I was smart enough to go through any door that opened.” –Joan Rivers “Lack of time is a lack of priorities.” –Tim Ferriss “My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.” –Steve Jobs √ Enhances self-awareness √ Prolongs attention span √ Reduces memory loss √ Improves sleep √ Helps control pain √ Decreases blood pressure

Thanks to all of my clients and friends who support my practice and graciously referred me to your friends and neighbors. Rather than pester people with unwanted calls and visits, I build my business based on the positive comments and referrals from people just like you. I couldn't do it without you!

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

5 Ways To Save Money on Pets Our adorable companions are often referred to as “money pits” for good reason: they can be expensive. From veterinary costs to food intolerances, the costs of owning a pet can add up quickly. Here are five tips to keep costs down: 1. Adopt instead of buying a pet . Not only does rescuing give a dog a fresh start, the costs are usually considerably cheaper than buying a dog from a breeder. Typically, the adoption package includes vouchers for a local pet store, a free veterinary examination, and training resources. 2 . Buy pet insurance , especially if you have a puppy. Like kids, dogs can be accident-prone and vet bills soon add up. Companies like Pets Best pay out at up to 90 percent of the vet bill, which is considerably higher than most health insurance companies. 3. Shop around for food . Most online stores, like Chewy.com or the online version of Petco, offer incentives for new customers. Petco also has a reward system where if you spend a certain amount, you get a voucher. 4. Avoid fashion items. Few dogs require clothing, unless they are shorthaired or from a warmer climate than yours. Save the money you’d use on outfits for other unexpected costs. 5. Stay current with vaccinations. This will save you big money in the long term- the vet bills for illnesses you could have vaccinated for will be much more expensive than those shots!

Brain Teaser… A man is looking at a photograph of someone. The man’s friend asks who it is. The man says, “Brothers and sisters, I have none. But that man’s father is my father’s son.” Who was in the photograph? (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 . Did You Know? • Showers can spark creativity. • Superman didn’t fly until the 1940s. • A single spaghetti noodle is called a spaghetto. • Bees sometimes sting other bees. • Space smells like grilled steak. • Panama is the healthiest place in the world (some say!). • Dolphins can be used in wars. • The Atacama Desert in Chile is the driest (non-polar) place on earth. Movie Picking Websites Ever struggled to find a movie to watch, and instead spend hours trolling through sites like Netflix and Hulu? Make a quicker decision with these sites: www.reelgood.com/roulette/netflix– The site helps you decide what to watch next by genre, movie rating, and type of show. It can also compare against other streaming sites like HBO, Prime Video, Hulu and 50+ others. www.rottentomatoes.com – Rotten Tomatoes is one of the most trusted movie recommendation sites. Ratings are based on critics’ reviews, providing movie watchers with an unapologetic review of films. www.imdb.com – IMDb is a hub of information related to film, TV shows, video games, and streaming sites. You can find trivia, cast lists, biographies, plot summaries, and fan reviews and ratings.

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!

Painting Tips: Make Rooms Look Larger Small rooms can present a challenge to decorate, but don’t overlook these paint tricks you can use to make the room feel bigger:  Use light colors or bright colors. White or off-white gives the illusion of a bigger space and reflects light within the room, especially if you add contrasting colors of accessories to the room. Bright, clean colors have the same effect - try violet, or yellow.  Paint your trim in lighter colors than the wall paint. This adds more depth and dimension to a room, making it feel larger.  Try a monochromatic color scheme for the room- light color on the ceiling, bright glossy white on the trim, and a different version of the same colors on the walls.  Choose quality paints - cheap paint can look chalkier and duller (result: smaller!).

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

“Who Else Wants To Win $75 Gift Card for Lure Restaurant?”

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. Brain Teaser Answer: The photo is of the man’s son Time-Saving Lifehacks • Buy dog food on auto-ship. You can set the schedule and can forget about ever ordering your dog food again! You can also save money this way - many online sellers have lower overhead that they pass to you. Sign up with Quickbooks.com which automatically synchronizes your bank accounts so that you can swipe left or right for business and personal expenses. It even calculates estimated tax payments. • You can now order groceries at your local stores through Amazon Prime Now, saving hours going to the store and travelling. • Limit personal (maybe business too!) email-checking to only 3 times a day. 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 BRE#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. •

Real Estate Corner… Q. How can I build wealth in real estate? A. You can build a substantial amount of wealth in real estate by educating yourself, thinking long term, and performing due diligence before purchasing. It’s not a get- rich quick method, but with patience, you can build a nice retirement empire with real estate rental properties. • Stick to moderately priced properties, which can generate a more positive cash flow than higher priced properties. Your tenant’s rent will cover the mortgage, utilities, and additional expenses for you. • Have a property inspection before you purchase the property. Make sure to review the report and all comments the inspector made. Get a few written estimates from contractors to make sure it’s worth the investment. • Verify how much the insurance will cost for the property and if additional rider policies are necessary. • Check if the property is under an HOA community. Their assessment fees can be high and you must deal with required renovations. • Carefully select your tenants and treat them well. Happy tenants stay longer. Each time a unit turns over, you have to prep it for another tenant, paying for repairs and possible upgrades. You’ll also need to pay other costs such as advertising, taking the time to show the unit, paying for credit and background checks, etc. For more information on building YOUR wealth with real estate, ask for my Free Consumer Report called “8 Dumb Mistakes Even Smart Investors Make.” Do you have a question you want answered related to real estate or home ownership? Feel free to call me at 805-701-8410. Perhaps I’ll feature your question in my next issue! 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: Arnold Zane was the lucky winner of the drawing for my quiz question. Brooklyn-based novelist Emma Straub co-owns what kind of business with her husband? a) Advertising agency b) Shoe store c) Deli d) Bookstore The answer is d) bookstore. It is called Books Are Magic and was founded in 2017. So, now let’s move on to this month’s trivia question. What is the most populous country in Africa? a) Nigeria b) Egypt c) DR of Congo d) Algeria Call Me At 805-701-8410 OR Email Me At Florence@BchRealEstate.com And You Could Be One Of My Next Winners!

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 Majorca

Bdrms

Baths

Sq. Ft.

Floor Plan Martinique

Asking Price

2 2 2 3

2 2 2 3

1217 1113 1549 2360

$569,888

2242 Martinique

Martinique (Phase I)

$579,000 $594,888 $979,000

Antigua

Antigua

Vina del Mar

Vina del Mar

$676,944

Market Average

Homes Accepting Back-Up Offers… Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

4463 Antigua Way

2

2

1368

Madeira

$589,000 $589,000

Market Average

Homes Pending…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan San Tropez

Asking Price

2315 Vina del Mar Market Average

3

3

2100

$1,299,888 $1,299,888

Sold Properties… (03/01/18 Thru 05/20/19) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

2223 Martinique

$539,000

$535,000

1113

$480.68 Martinique (Phase I)

02/28/19

2305 Martinique

$539,000 $549,888 $595,000 $589,000 $579,000 $605,000 $615,000 $624,888 $638,888 $635,000 $649,000 $655,000 $639,888 $640,000 $679,500 $669,000 $729,000 $799,000 $845,000 $839,888 $999,000 $1,050,000 $1,295,000 $714,558

$535,000 $525,000 $575,000 $575,000 $579,000 $580,000 $605,000 $615,000 $625,000 $625,000 $625,000 $627,500 $628,000 $640,000 $648,000 $669,000 $709,000 $785,000 $820,000 $830,000 $939,000

1113 1217 1368 1550 1450 1627 1459 1459 1549 1368 1369 1627 1550 1369 1800 1800 1550 1628 2360 2360 2360

$480.68 Martinique (Phase I)

05/15/19 07/25/18 04/22/18 05/11/18 05/17/19 05/03/19 03/30/19 06/07/18 08/14/18 03/27/18 03/30/18 06/11/18 04/27/18 05/23/18 10/18/18 10/23/18 04/15/19 05/25/18 08/24/18 07/06/18 05/10/19 05/31/18 04/11/18

1955 Majorca

431.39

Martinique

2133 Martinique 2051 Majorca 4446 Antigua 2031 Majorca 2351 Martinique 2386 Martinique 2313 Martinique 1990 San Tropez 2317 Martinique 4451 Antigua

$420.32 Madeira $370.97 Antigua $373.79 Antigua $356.48 Capri $398.81 Antigua

$421.52 Antigua (Phase I)

$403.49 Antigua $456.87 Madeira

$456.54 Madeira (Ambassador)

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

4440 Antigua

2345 Martinique 1900 Majorca 2325 Martinique

$379.04 Capri

4711 San Sebastian

$457.42 Antigua (Ambassador)

1992 San Tropez

$482.19 Capri (Ambassador)

2202 Vina del Mar 2206 Vina del Mar 2222 Cannes Square 2333 Vina del Mar 1965 San Sebastian Market Average

$347.46 Vina del Mar $351.69 Vina del Mar $397.88 Vina del Mar $434.32 Vina del Mar

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

$783.87 Antigua (Ambassador)

$693,891

$431.86

RE/MAX represented buyer, seller or both . Properties as of May 20, 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

Sunset Harbor

2 2 2 2 2 2 2

1 2 2 2 3 2 3

925

Plan C Plan B

$445,000 $470,000 $609,000 $639,000 $699,000 $749,000 $795,000 $629,429

1128 1319 1474 1502 1198 1475

3634 Sunset

T-2 T-1

Sunset Harbor

Villa

3136 Sunset

Plan D

Sunset

Villa

Market Average

Homes Accepting Back Up Offers … Address Bdrms Baths

Sq. Ft.

Floor Plan

Asking Price

Sunset

2

3

1475

Villa

$549,900 $549,900

Market Average

Sold Properties (01/01/18 Thru 05/20/19) 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 3424 Sunset 3420 Sunset 3674 Sunset 4526 LaBrea 3225 Harbor 3135 Harbor 3650 Sunset

$365,000 $495,000 $549,000 $524,500 $549,000 $539,000 $575,000 $595,000 $$595,000 $605,000 $619,999 $650,000 $710,000 $729,000 $581,700

$370,000 $490,000 $500,000 $515,000 $520,000 $539,000 $575,000 $580,000 $583,000 $590,000 $610,000 $635,000 $695,000 $700,000 $571,800

781

$473.75 $409.02 $443.26 $456.56 $458.15 $477.84 $479.97 $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 1411 1474 1319 1319 1485 1402

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

T-3

Plan B Plan D

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

$468.01

Villa (end unit) Villa (end unit)

$499.29

Market Average

$461.07

Bold: REMAX Represented Buyers, Sellers or Both

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