November 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 Pet Keeping You Healthy?

We hardly need another reason to have a furry or feathered (or scaly!) member of the family, but did you know they could actually make us healthier? In today’s Service For Life ! ® Free consumer newsletter, you’ll learn how your best friend might be more than a companion.

You’ll also learn how to de-code your health insurance coverage, how to deal with malware on your computer, and some tips for de-cluttering bathroom— plus fun facts, a trivia challenge, and lots more.

Here’s what’s happening in your neighborhood. 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, HarborsWest, C.I. 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)

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 29 23 20 31 18 24 21 44 22 11 28 24 22 15 24 28 22 30 32 29

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 6.98 96 83 112 70 128 4.35 4.73 4.19 4.2 7.04 99 102 102 97 122 4.3 5.27 4.26 4.1 6.88 95 112 103 92 125 4.13 5.11 3.82 4.21 7.04 91 106 95 95 126 3.83 5.18 3.83 3.67 6.3 87 107 96 81 115 3.33 4.52 2.4 4.13

January February

March

April May June

July

August

September 27 26 29 23 27

October

25 24 28 16

5 thru 10/20

November 21 19 23 19 December 20 22 11 12

75 93 61 87 64 83 63 79

2.8 4.06 2.45 3.81 2.81 3.64 2.54 3.32

Currently we have two in escrow. One in The Colony (2382 Vina del Mar) scheduled to close the end of October, and one in HarborWalk, (3111 Harbor) scheduled to close the beginning of December. 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 CA DRE#01040021 RE/MAX Gold Coast Realtors

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

Florence’s…

Thinking Of Selling Your Home Soon? Don’t attempt to sell your home without my Free Consumer Guide, “ 6 Steps For Selling Your Home For Top Dollar .” My exclusive report will give you all the facts for a fast, top dollar sale. Just call 805-701-8410 anytime, and I’ll rush a copy out to you for free. Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” How Pets Make Us Healthier Almost 70% of U.S. homes have a pet member of the family, and with that large percentage it’s good to know there are other reasons than unconditional love to have furry (or scaled or feathered!) friends. Pets can actually improve our health, too.  People with dogs have reduced risk for heart disease, and may even live longer . The American Heart Association says it could be due to the increased activity since dog owners are out walking and exercising. Petting and cuddling with dogs can also lower stress levels and increase the calming endorphin oxytocin.  Having a pet can lower blood pressure and cholesterol levels . Some studies also suggest that cat owners are less likely to have a heart attack or a stroke, which could be due to their calming presence.  Children with ADHD and autism both seem to benefit greatly from working with and around animals . Animals help them pay attention, learn discipline and caring for others, and build self-esteem. Pets like to play, too, and help kids burn energy.  Children raised around animals seem to have fewer allergies . While it’s not the case for all people, especially those with specific animal allergies, early exposure to pets may help kids build immunity and reduce likelihood of allergies and asthma.  Companionship and connection makes people healthier . Dogs especially are very focused on their humans, and that attention and connection can help comfort people in pain or distress. This is why therapy dogs are on the rise in hospital settings. Taking your dog out with you to dog parks and dog-friendly events can help you create human connections, too. Connection can reduce loneliness and the effects of depression. Are you looking to add a pet to the family? Check out petfinder.com or visit your local animal shelter and maybe even save a life. Who knows, your new friend could even improve your health!



If you’re thinking about selling your home soon, request my Free Consumer Guide, “7 Insider Tips To Net More Money Selling Your Own Home.” Call me right now at 805-701-8410 to get a copy…

November 2019 Oxnard, California

Inside This Issue…

The Health Benefits of Pets…Page 1

De-coding Health Insurance…Page 2

Find and Destroy: Malware…Page 2

De-Clutter the Bathroom…Page 3

Answer This Trivia Question and You Could Win $75 Gift Card for Lure Restaurant…Page 4 I’m Selling My Home. How Do I Make It Show Like a Model Home?…Page 4

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

Find Out What’s Covered Under Your Health Insurance Many people don’t really have a clear understanding of what is, and isn’t, covered under health insurance plans. And unfortunately, it’s easy to run into a health issue and be surprised at the wrong time. Learn more about your policy BEFORE you need it! 1. Make a list of a few procedures that you may need, now or in the future, and call your insurance provider (Medicare, too). Ask if each is covered, and what will be your out-of-pocket cost. 2. Read through your “summary of benefits and coverage,” a document your provider must have available and written in ‘plain English.’ You can find it online in your account, or can ask that it be mailed or emailed to you. 3. Considering an expensive procedure? Your insurance provider should provide a “coverage agreement” that may be hundreds of pages long. You can read it online, and search through it for the name of the procedure (use your browser’s search function to find it quickly).

B 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!)… Data Mining (day-ta or dah-ta myning) noun Meaning : Sorting through large sets of data, and finding new patterns or information Sample Sentence: Many social media companies use data mining to look at information about their users to form opinions, conduct research and sell ad space (social media mining). How to Nap Think you have napping down pat? Nap correctly for the best benefits. 1. Power Nap : Set your alarm for no more than 15 minutes. Benefits : Memory improvement and more awake. 2. Deeper Snooze : You should be able to wake up easily after 30 minutes. Benefit : Less groggy, more rested. 3. Full-on Nap : 90 minutes gives a full sleep cycle. Benefit : As much rest as a full night of sleep. Don’t do this one within 4 hours of your normal bedtime. Didaskaleinophobia is the fear of going to school. Barophobia is the fear of gravity. Chlorophobia is the fear of the color green. Koumpounophobia – fear of buttons.    Quotes To Live By… “Yesterday is not ours to recover, but tomorrow is ours to win or lose.” –Lyndon B. Johnson “Falling out of love is chiefly a matter of forgetting how charming someone is.” –Iris Murdoch “I love pizza; you can’t really go wrong with pizza.” –Nick Jonas Think Your Fear Is Odd?   Oikophobia – fear of home surroundings and household appliances.

Here’s A Free, Valuable Resource…

Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At BchRealEstate.com

Malware Help Has your computer suddenly gotten super slow? Do you have a new toolbar on your browser that you don’t remember adding? Or, maybe your search and home pages have changed. Odd pop-ups appearing? You could be experiencing malware symptoms!

Malware is hidden in your computer, unlike a virus, because the designers want their program running unnoticed in the background.

What should you do? 1. If you notice these symptoms, assume it’s malware and that it’s already gotten past your antivirus (you DO have an antivirus program, right?). Run something else, like ESET’s Free Online Scanner for Windows computers ( eset.com/us/home/online-scanner ), which doesn’t require installation, or try Malwarebytes’ free version ( malwarebytes.com ) for either PC or Mac. 2. Run the scanner (follow instructions provided by the program) in Windows Safe Mode if you’re on a PC. Search support.microsoft.com for “start in safe mode” for instructions for your version of Windows. 3. Finish up with a full computer scan with your antivirus program and deal with any threats found. Remember to keep programs up-to-date, and scan and clean your computer regularly.

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

1 couldn’t tell them apart. He cut off one horse’s mane, but it grew back. He cut off one horse’s tail, but that also grew back. Frustrated, he told his friend about the problem and the friend suggested that he measure them to see which was taller. The cowboy measured them and was relieved. “What a great idea! The black horse was 2 inches taller than the white one and now I’m sure I can tell them apart!” Websites to Manage Passwords Have you counted how many passwords you’re managing for all your online accounts? The number may astound you! You can save them all in one secure password manager, so you only need to remember ONE password. www.lastpass.com – There’s a free version and an inexpensive upgrade that comes with larger storage and tech support. www.keepersecurity.com – This inexpensive option also has face ID and fingerprint login, with unlimited storage. www.dashlane.com – Highly-rated Dashlane is free (you can upgrade to a Business version), and you can download the app to take it everywhere on all your devices. Brain Teaser… How many of each species did Moses take on the ark with him? (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! Horse Troubles A cowboy had two horses, but he

De-Cluttering Series: The Bathroom

Want a tidier house? We’re going room-by-room, clearing out the clutter. This month : it’s all about the bathroom.

This room is one of our most used, and often one of the most cluttered. That’s especially true when multiple people need to use it. How can you make sure your bathroom is functional AND beautiful? Let’s get started!  First, set up an area to help you organize items. Have a “trash” and “remove from bathroom” bin set up, and a large clear space where you can set everything out and take stock.  Tackle any countertops and visible areas first. Put away anything that doesn’t need to be out. Keep things close to where they’re used – put hand soap, and toothbrushes and toothpaste near the sink. It’s much easier to keep cleared spaces clean and sanitary.  Throw away old items, and products that have expired.  Once all items are out, wipe all the cabinets and surfaces down, dust, and clean areas you normally can’t get to.  Plan to put everything away by how often you use it. Back-ups and spares? Put those in the back of the cabinets.  Put things away according to how they’re used. Morning skin care products should go together, in the order they’re used.  Don’t let your drawers become catch-alls. Add organizers and small boxes to keep things tidy.  Small bathroom? Buy vertical organizers that go over the toilet or shelves that sit higher in the room. Does your room feel peaceful? Now, stick with it and make it a habit to keep it that way. Set aside a few minutes every time you get ready in the morning to put each item you use back in its spot. Next month: our final article in this series: de-clutter the garage.

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: Brian Tamura at Harbour Island was the winner of the drawing. To enter the drawing, correctly answer my trivia question by the 10 th of the month. What Southeast Asian capital went by the name “Batavia” for more than 300 years before the name was changed to its current moniker? a) Manila b) Bangkok c) Jakarta d) Kuala Lumpur The answer is (c) Jakarta - Indonesia's capital city was called Batavia from 1619-1942 when it was a Dutch colonial capital. So let’s move on to this month’s trivia question.

Brain Teaser Answer: It was Noah’s ark!

What That Job Description REALLY Means “Competitive Salary”: We stay competitive by paying less than our competitors.

“Join Our Fast-Paced Team”: We have no time to train you.

Which female ‘monster’ appeared in a movie first?

a) Bride of Frankenstein b) The Mummy c) Carrie d) Vampire Carmilla

“Must be Deadline Oriented”: You’ll be 6 months behind on your first day.

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

“Duties Will Vary”: Anyone in the office can boss you around.

“Must Have An Eye For Detail”: We have no quality control.

Real Estate Corner…

Soup Stories You know it’s going to be a bad day when your alphabet soup spells D-I-S-A-S-T-E-R. 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.

Q. What key steps should I take to make my home show like a model home? A. Look at your home through a potential buyer’s eyes. Here are three essential steps:  Clean and repair. Your buyer’s first impression is from the street. Clean up the yard, the landscaping and check your exterior paint job. On the inside, shampoo the carpets, scrub the floors and clear off all the counters. Remove old wallpaper and paint the walls a neutral color. Fix things that need fixing, like squeaky doors, broken tiles etc.  De-Clutter. Get rid of all that “stuff” you’ve accumulated in the garage, the backyard and the basement. And don’t forget the closets!  “Stage” it to look like a model home. Put away your personal items and remove large pieces of furniture. Ask your REALTOR® for ways to “dress up” your home (candles, new linens etc.) to maximize your selling potential.

For more tips, ask for my Free Consumer Report called “Make Your Home Show Like A Model Without Breaking the Bank.” I’ll get a copy 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….

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

Homes Currently Active …

Address Majorca Antigua

Bdrms

Baths

Sq. Ft.

Floor Plan Martinique

Asking Price

2 2 2 2

2 2 2 2

1217 1368 1459 1780

$539,888 $578,900 $659,000 $678,000

Madeira Antigua

Martinique

Antigua

Capri

$613,947

Market Average

Active Taking Back Up Offers… Address

Bdrms

Baths

Sq. Ft.

Floor Plan Martinique

Asking Price

2382 Vina del Mar

2

2

1113

$499,000 $665,000 $835,000 $666,333

Martinique

2 2

2 2

1627 1550

Capri

San Sebastian

Antigua (Ambassador)

Market Average

Pending Properties…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Vina del Mar

2

3

2149

Cannes

$1,175,888 $1,175,888

Market Average

Sold Properties… (01/01/19 Thru 10/21/19) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

4431 Antigua

$569,888 $539,000

$525,000 $535,000

1549 1113

$338.93 Antigua

08/06/19

2223 Martinique

$480.68 Martinique (Phase I)

02/28/19

2305 Martinique

$539,000

$535,000

1113

$480.68 Martinique (Phase I)

05/15/19

4463 Antigua

$589,000

$575,000

1368

420.32

Madeira

07/08/19 05/17/19 05/03/19 03/30/19 04/15/19 05/10/19 08/26/19

4446 Antigua 2031 Majorca 2351 Martinique

$579,000 $605,000 $615,000 $729,000 $999,000 $959,000 $1,299,000

$579,000 $580,000 $605,000 $709,000 $939,000 $949,000

1450 1627 1459 1550 2360 2360

$373.79 Antigua $356.48 Capri $398.81 Antigua

4711 San Sebastian 2222 Cannes Square 2353 Vina del Mar 2315 Vina del Mar

$457.42 Antigua (Ambassador)

$397.88 Vina del Mar $402.12 Vina del Mar $607.76 San Tropez

$1,300,000 2139

06/07/19

$731,525

$711,909

$428.62

Market Average

Florence represented buyer, seller or both . Properties as of October 21, 2019 and may not be listed by RE/MAX. Information herein has not been verified, is not guaranteed, and is subject to change

TO SEE COLONY FLOOR PLANS Check out my Colony Web Site: http://THECOLONYATMANDALAY.COM

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

1 2

925

Plan C Plan D

$415,000 $575,000 $495,000

1198

Market Average

Homes Accepting Back Up Offers … Address Bdrms Baths

Sq. Ft.

Floor Plan

Asking Price

3111 Harbor

2

2

1128

Plan B

$499,000 $499,000

Market Average

Sold Properties (01/01/19 Thru 10/21/19) Address List $ Sale $

Sq.Ft. $/sq.ft

Floor Plan

Date Sold

3043 Harbor 3130 Sunset 3061 Harbor 3304 Sunset 3634 Sunset 3450 Sunset 3444 Sunset 3136 Sunset 3135 Harbor 3131 Harbor 3201 Harbor 3380 Sunset

$425,000 $479,000 $525,000 $549,900 $595,000 $610,000 $639,000 $627,000 $729,000 $699,000 $779,000 $795,000 $620,992

$445,000 $440,000 $495,000 $549,000 $565,000 $595,000 $611,000 $615,000 $700,000 $701,000 $779,000 $785,000 $607,333

1128

$394.50 $51784 $438.83 $372.20 $428.35 $451.10 $414.52 $513.36 $499.29 $466.71 $524.57 $532.20 $454.13

Plan B Plan C Plan B

07/03/19 09/30/19 07/11/19 05/22/19 07/26/19 09/27/19 09/09/19 08/26/19 03/25/19 07/18/19 08/12/19 07/08/19

925

1128 1475 1319 1319 1474 1198 1402 1501 1485 1485

Villa

T-2 T-2

Plan D

Villa (end unit)

Villa Villa Villa

Market Average

Bold: REMAX Represented Buyers, Sellers or Both

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of Oct.21, 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.