Get Free money-saving home tips at my web site:   www.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. 
      
      
        
      
      
        Brain Teaser Answer: 
      
      
        Two minutes!  (The back of the train 
      
      
        would be at the beginning of the tunnel 
      
      
        after 1 minute, and would leave the end 
      
      
        of the tunnel at the 2-minute mark.) 
      
      
        
      
      
        Why You Shouldn’t Only 
      
      
        Drink Bottled Water 
      
      
        Bottled water is fine but it contains no 
      
      
        fluoride, which can lead to tooth decay.  
      
      
        You can fill your glass with tap water 
      
      
        (which contains fluoride) but use a Brita 
      
      
        or PUR water filtration system to keep 
      
      
        out other impurities.   
      
      
        
      
      
        Witty Wisdom 
      
      
        
      
      
        
      
      
        Evening news is where they begin 
      
      
        with “Good evening,” and then 
      
      
        proceed to tell you why it isn’t. 
      
      
        
      
      
        
      
      
        Hospitality is making your guests 
      
      
        feel like they’re at home, even if you 
      
      
        wish they were. 
      
      
        
      
      
        
      
      
        The sole purpose of a child’s middle 
      
      
        name is so he can tell when he’s 
      
      
        really in trouble. 
      
      
        
      
      
        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 Lic #01040021 
      
      
        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 and 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.  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.  
      
      
        
      
      
        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! 
      
      
        “Who Else Wants To Win  
      
      
        $75 Gift Certificate to The Italian 
      
      
        Job 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:  
      
      
        Michael Klein of The Colony was the first  to correctly answer my quiz 
      
      
        question.  
      
      
        
      
      
        Where can you stand in both the east and west at the same time? 
      
      
        a) The International Date Line    b) China      
      
      
        c) The Prime Meridian    d) Equator 
      
      
        
      
      
         The answer is
      
      
        
      
      
        c) The Prime Meridian.  The line, which passes through 
      
      
        Greenwich, England, is Longitude Zero, and every place on Earth is 
      
      
        measured east to west from it.  In the Greenwich Royal Observatory, you can 
      
      
        have your picture taken straddling the line.  So, let’s move on to 
      
      
        this
      
      
         month’s 
      
      
        trivia question. 
      
      
        
      
      
        What do the letters in Einstein’s formula E=mc
      
      
         2
      
      
         stand for? 
      
      
        
      
      
          a) E:energy,  M:matter,  C:calories    b)  E:electricity,  M:matter,  C:time   
      
      
        c)  E:energy, M:mass, C:speed of light       d)  E:energy, M:mass, C:celsius 
      
      
        
      
      
        Call Me At 805-701-8410 OR Email Me At Florence@BchRealEstate.com  
      
      
        And You Could Be One Of My Next Winners!