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You are here: Home / Archives for florida

The Gift that Keeps on Giving

December 22, 2021 by Gary Cardillo

Do you remember the line in National Lampoon’s movie Christmas Vacation, where Clark Griswold, played by Chevy Chase, was expecting his year-end bonus to build a swimming pool? Gathered around him in anticipation of his big bonus check arriving any moment was his entire family and of course his Cousin-in-Law, Eddie, who according to Clark said, “his heart was bigger than his brain.” When Clark opens up what he thinks is his Christmas bonus only to find out he is enrolled as a member in the “Jelly of the Month Club,” Eddie blurts out, “The gift that keeps on giving.” While this movie has become a Christmas tradition our family watches each year, Eddie’s line is one of the most quoted of all those we have collectively memorized and perhaps the one that has the most significant meaning to me.

Not that I have aspirations of joining the Jelly of the Month Club, but many times this year I have been asked, “How has business been…it must be a great time to be a Realtor?” While it has been a good year, this business is far from shooting fish in a barrel, as anyone who understands the real estate market can attest, it is characterized by peaks and valleys. However, after almost 18 years in the business, I can honestly say there is something much more rewarding than just listing or selling a property; it is the friendships we’ve made along the way. To me, that is the true “Gift that keeps on giving.”

Through these friendships, we’ve been all over the world from Singapore and Vietnam to Europe and South America. We traveled through the back roads of our great country and journeyed the Intracoastal from Florida to New England. We’ve met politicians and have been to some of the most dangerous locations in the middle-east. “How did you get to do all of this in such a short life span you may ask?” While I’ve experienced some very special places when traveling through our country, unfortunately the closest I’ve gotten to Europe was a road trip to Massachusetts. Sarah Palin may have claimed to see Russia from her home in Alaska, but through the intimate stories told by clients who became close friends we feel as if we experienced these real-life stories and adventures, many of which we hope to take ourselves someday.

Everyone has a story or knows of someone who has a storied background, but when you have the opportunity to spend as much time with clients as we do, their histories come to life in a way that makes you feel as if you went through a time with them. I remember one client who had been in the largest naval battle to this day. He was on a 500 ft. aircraft carrier in the Philippines and to listen to his story of the incoming fire they took, you couldn’t help but feel you were right alongside him. Other clients spoke of Communist regimes they escaped and how their families lost everything they had to come to our country. Others have been in the entertainment industry, some have been writers and still, others have created products that are widely used today. There have been CEOs and those that rose from poverty to creating highly successful businesses, going on to mentor others so they could have an opportunity to better themselves. We’ve also heard countless stories from physicians, who without fanfare traveled abroad to many third world countries administering to those in need, and did I mention a Grammy award-winning Pastor whose lives he continues to touch each day? For those of you whose stories have appeared in our newsletters you know who you are, and how your stories have had such an impact on my life, as have so many others.

Some people measure success by the sales teams they put together and the volume of business they claim they do, but we’ve learned there is something much more important to life that isn’t found in the profit and loss column.

We live in a time where the media is focused more than ever on negative news and the things that divide us, not the common ground that can bring us together. When I see thousands of people turn out in mass to simply watch the lighting of a Christmas Tree or eight Clydesdale horses pulling a wagon through the streets of our downtown with two men and a Dalmatian sitting alongside them, I think to myself, “aren’t these the timeless pleasures we seem to embrace, and innately desire to enjoy?”

Through our business the people we meet that become such good friends, are the “gift that keeps on giving,” and why we consider ourselves so blessed to be involved in such a wonderful business that gives us that opportunity every day. Thank you, for making every year so special to us, and for always reminding us, what is important in life; our relationship with each other.
We wish you and your family a wonderful Christmas, a very happy holiday season, and much good health and happiness this coming New Year.
-Gary & Gail Cardillo

Filed Under: Community Information Tagged With: clydesdales, florida, friendships, gary cardillo, gift, giving, merry christmas, newsletter, punta gorda, realtor, thank you, waterfront, waterfront living

We Are One

November 25, 2021 by Gary Cardillo

Thanksgiving to me has always been the start of the holiday season. It’s a time where people seem to be a bit more appreciative of the things they’ve received and a desire to share those blessings with others. While we typically think of family and friends sitting around a large dining table decorated in a harvest motif, adorned with a variety of homemade dishes and a succulent roast turkey, I find in recent years my sentiments have turned more to ways we can share our abundance with others less fortunate. However, my thoughts this Thanksgiving season were inspired by a story I recently heard at church from a very special lady whose mission trip years ago to Nicaragua exemplified the true meaning of gratitude that will impact me for the rest of my life.
Gwen Coté, is this special lady who grew up on a family farm in the small upstate town of Plattsburgh, New York. As a teenager, Gwen began to recognize “the place and importance of God in her life”. She said, “I felt a calling to serve the poor and to help people know God was loving.” Where some of us growing up were inspired to be policemen or firemen, Gwen always felt called to be a priest, but that wasn’t an option in the Catholic Church. With fleeting thoughts of moving to a church that would afford her that opportunity, the Catholic Church was where her soul was firmly rooted, and at age 18 Gwen entered the Religious Sisters of Mercy and served as a Sister of Mercy for the next 30 years. In 2006 God called Gwen to serve in a new direction where she continued her role as a Catholic school Principal until 2017 when she retired from education.
Gwen initially moved to Punta Gorda to care for her elderly mother who was suffering from age-related dementia, but needing to work, she added, “no one gets rich being a nun for 30 years,” she applied to Sacred Heart Church. Pastor, Jerome “Jerry” Kaywell recognized Gwen’s talents immediately and hired her to be his Pastoral Associate. Technically her role is defined as meeting the pastoral needs of the people of the parish however, to those who know her contributions her handprint can be found in almost every corner of the church. Gwen reflects, “Giving was a family thing. My Mom was very attentive to the needs around her and she seated the responsibility to help others deep in our hearts from my earliest memories. She would often adopt a project and we were always a part of the service.” She recalls one of the most “powerful” examples was when her mom “adopted” a man who lived a few miles from them. The man wasn’t related to them and didn’t have family to take care of him. Gwen’s mother decided that once a month they would bring him food she had frozen from what she made the family the month before. Then on a Saturday every month for years, they would clean his house, tidy his yard, plant flowers, and bring in wood, as he heated his home with only a wood stove. This care for others leads us to the inspiring story Gwen shared with the congregation that touched the lives of everyone present.
Looking back during the time she served as Principal of Seton Catholic High School in Plattsburgh, Gwen said for several years she had been involved with a group called “Mission of Hope.” Created as a result of a mission trip to Nicaragua that was inspired by one family from Nicaragua who attended the school to help their family back in their homeland recover from the mudslides from a devastating hurricane, this non-profit took on a “life of its own.” Today, Gwen adds, “it serves the people of Nicaragua in a multitude of ways from hospitals to eldercare, food to clinics and education to hope.” However, it was that trip to Nicaragua that left a lasting impression.
Gwen recalls, “Several times I was tasked with bringing a bag of rice and a bag of beans to the homeless families living in the woods. It was perhaps enough to feed a family of 5 for a week if they had light appetites.” She continued, “We would travel along the dirt road, and wherever there was a worn footpath into the woods, we would walk in and bring our simple treasures to these families. It never ceased to amaze me that before we were even back to the road, we would hear the people calling for other families who were deeper in the woods to come. They were not calling them to come to us to get rice and beans for themselves, but instead, they were calling them to come and share in the bounty they had received.” If this isn’t touching enough, Gwen reflected on a day when she was leaving one of the homes having delivered the bags of rice and beans, when she heard a little girl of about 3 years of age calling out to her. “She was stark naked and dirty from head to toe, running down the path after me. With enormous brown eyes and a smile that overshadowed the filth, she handed me a wildflower, hugged my leg, and whispered, “Gracias, Santa dama.” Thank you, holy lady.” Gwen said, “I didn’t feel much like a holy lady. I had given her family perhaps a couple of days of food. She gave me all she had.”
Gwen’s story reminded me of the bible story of the “Widow’s offering,” found in the twelfth chapter of the book of Mark, verses 41-44. It tells how Jesus sat down opposite the place where the offerings were placed and watched the crowd putting money into the temple treasury. “Many rich people threw in large amounts, but a poor widow came and put in two very small copper coins worth only a few cents.” Jesus called his disciples to him and said, “Truly I tell you, this poor widow has put more into the treasury than all the others. They all gave out of their wealth, but she, out of her poverty, put in everything; all she had to live on.”
During our trying times, whether through the devastating effects of a hurricane or more recently the pandemic, there have been those who selfishly took more than they needed while others shared what little they had. As an educator, and now in the capacity as a Pastoral Associate, I asked Gwen if she had seen a marked difference in how people respond to adversity over the years. She responded by saying, “I think people are people and they are the same in every age. Our country often seems negative and divided right now and if that is what you focus on, that is what you see. But people are also amazingly generous and giving. We have seen that throughout the pandemic and over and again after any natural disaster. Where you look determines what you see. If you focus on the good that is what you see. We all choose what we focus on and how we respond. If we as a country can turn the prism we see through just a little we could easily see all the goodness and kindness taking care of one another.”
As our time came to a close, I shared with Gwen my thoughts on Thanksgiving and its significance to me. I asked if there is a life lesson or message she felt could be learned. She replied, “I think the message is simple. We are one. We are one people, on one planet with one set of resources. Whatever barriers we build between people and nations are temporary and somewhat of an illusion. We will be saved together or damned together. We are responsible for one another. We need to make the tough decisions and get to work making our world better for everybody. We are ONE.”
As I reflected on Gwen’s closing thoughts, I couldn’t help but reflect on that little 3-year-old girl with the flower whose gesture of gratitude left a lasting impression on me. I had to ask myself if I was doing enough to make a difference in the lives of others, not just once a year, but throughout the year. I realized more than ever, how blessed I was and the best way to show my gratitude was to help others in their time of need. After all, isn’t that what Thanksgiving is all about?
We wish you and your family a blessed Thanksgiving

Filed Under: Community Information Tagged With: florida, flwaterfront, gary cardillo, gwen cote, newsletter, punta gorda, real estate charlotte county, realtor, we are one, wesellpg

What questions should I be asking when I am looking to hire a real estate agent?

October 25, 2021 by Gary Cardillo

If you’re looking to sell your home, you’ll want to hire an amazing listing real estate agent to help—and there are certain questions to ask so that you can pinpoint the right professional for you.
It’s smart to be picky! A great real estate agent can help find buyers to sell your home fast, and for more money. Make the wrong choice, and your listing might languish. Then, the lowballing bargain hunters come circling—it’s not pretty. Here are some questions I recommend you ask:
1. What are your credentials?
2. Do you specialize in this neighborhood?
3. How do you arrive at the listing price?
4. How much will selling my home cost?
5. How will we communicate?
6. How long will the process take?
As always I am here for you and will answer any question you may have to help make the transaction as smooth as possible.
Gary Cardillo
RE/MAX Harbor Realty
941.979.0939
www.flwaterfrontliving.cm

Filed Under: Selling Real Estate Tagged With: charlotte county, florida, gary cardillo, move to punta gorda, moving, newsletter, real estate, waterfront realtor

A Secret Service Agent Looks Back at 9-11

September 15, 2021 by Gary Cardillo

I have always found just as much enjoyment in recognizing the achievements and accomplishments of others as those of my own. I also consider myself rich with friends, many who have gone on to achieve the highest levels of success in their chosen fields. Some are physicians, others have been politicians or sportswriters and then there are those whose service was perhaps even more impactful, but remained anonymous to most. One such person is my long-time friend Jim Napolitano, known by his close friends as “Nappi.”
Nappi and I were part of a unique group of friends who summered out in eastern Long Island, NY, and like most kids our age the memories we made together have always been very special to me. As we got older we didn’t see each other as much until I moved to Dallas, Texas, and on my business trips, I would stay at Nappi’s home in Houston where he was living and working as a mechanical engineer for Schlumberger, an oil field services company. After working very successfully with a new tool that was recently developed the company announced it was downsizing, and being one of the newest members on the team, Jim was one of the first to be let go. A next door neighbor who was a D.E.A. agent and knew Jim’s background suggested he apply to the FBI and Secret Service as he felt he had the skill sets that were in high demand. Unfortunately, the Graham Rudman Act had the backing of President Regan, placing limits on the number of government employees that could be hired to balance the budget, thus impacting the hiring at many government agencies. The only time a new candidate could be hired by the Secret Service was if one employee either left or retired however, since the Secret Service only hired groups of 24 at a time Jim had to wait almost 3 years, taking jobs with Brown Oil Tool and signing on and becoming a deputy with the Montgomery County Sherriff’s Office, before an opportunity with the Secret Service academy as a Special Agent materialized, marking the start of a career you typically only see in the movies.

It was years after moving back to New York from Texas our lives reconnected through a “mutual friend.” My wife and I had a special events company at the time that catered to many well-known politicians and high profile clients and one such client asked us to handle the event for her daughter’s wedding at their mansion on Long Island’s north shore, also known in many of author Nelson DeMille’s books as “The Gold Coast.” President George H.W. Bush was supposed to be in attendance and wasn’t able to be present so he sent his son Neil to represent the family. While setting up one of the arrangements on the home’s grand staircase Neil Bush walked over and introduced himself to me while complimenting us on the work we were doing. I then asked him if he was from Houston and shared with him that I thought we had a mutual friend in common, Jim Napolitano, who at this time was part of the team protecting the Bush family. To my surprise, Neil Bush said to me, “You know Nappi?” Before I knew it I was sitting on the staircase with Neil Bush and the Secret Service agents sharing stories of my summer escapades with Nappi.

Years passed and during that time Jim went through the ranks with the Secret Service starting as a Criminal Investigator, where he was moved through different squads for exceeding quotas of arrests and closed cases, and then to the “West African Task Force” where his responsibility was to thwart and arrest Soviet-backed Nigerians who were fraudulently obtaining birth certificates and drivers licenses to obtain numerous credit cards to buy and sell merchandise illegally. However, this is just the tip of Jim’s illustrious career. “Agent Napolitano” was selected to work on a task force that investigated “The Supernote”, a far superior counterfeit note being used by Middle East terrorist organizations such as Hamas, Hezbollah, and Al Qaida, and was successful in helping standing up the Supernote Task Force that was comprised of the U.S. Secret Service, CIA, and DEA. He was the 160th agent to ever become part of the elite Counter Assault Team under the Presidential Protection Division, which included “training with the Tier 1 Special Operations Forces”. He was a Rescue Swimmer for Presidents George H.W. Bush 41, George W. Bush 43, and Bill Clinton and their families. He was only 1 of 42 agents to be a member of both the C.A.T. and Rescue Swimmer Teams. He went on to be an instructor in Control Tactics and Rescue Swimming, further becoming manager in Water Safety and Emergency Medicine, among other courses he directed for Special Agents.

As if this isn’t an impressive enough background during his 23 years as a Secret Service Special Agent, Jim has protected three Presidents and their families and was personally instructed by President Reagan to make sure he and his team provided the utmost protection for Presidential Candidate Reverend Jessie Jackson. Since retiring from the Secret Service, Jim was Security Representative for Marathon Oil, traveling throughout the Middle East safeguarding the employees and their assets. In June of 2013 he took his vast array of skill sets and went on to become Chief of Police for the City of Montgomery, Texas for six years.

Recalling the events of 9-11, Jim shared with me that at that time he was the Resident Agent in charge of the Waco Resident Office. Jim was responsible for security around the President’s Crawford Ranch which was known as the “Western White House.” He was responsible for “hundreds of agents, arranging staff, military assets and other governmental entities,” according to an article written in the Montgomery County (Texas) newspaper “Golden Hammer.”

“I was at Baylor University’s Rec Center,” Jim recalled, “when I saw the second plane hit the World Trade Center and immediately changed into my battle dress uniform…I called the ranch and there was no answer on any of the lines which was highly unusual and increased our level of high alert….I was able to get in touch with the Major in charge of the DPS regional office in Waco and requested as many troopers he could spare. Two agents and several Texas State Troopers raced to the ranch….Upon arrival two agents who were allowing various construction trucks entry into the ranch for ongoing work being performed told us how the construction crews had accidentally cut the power to the ranch and it was currently being reconnected.” In the meantime, Jim had been in contact with the team and President Bush, who had been in Sarasota reading to second-grade school children and upon being briefed of the attack, had been immediately rushed onto Airforce One. Jim recalls hearing the President expressing his frustration that he wanted to get back to Washington D.C., not circling for hours in Air Force One out of harm’s way. While President Bush and Airforce One were on high alert, Jim was equally frustrated and wanted to head to the areas of attack, but headquarters and the FAA said they were expecting “inbound (flights) coming to the ranch.” With the World Trade Center and the Pentagon on fire, and Flight 93 supposedly headed for Camp David before turning into a different location, Washington and Waco both weren’t options for the President to land. I remember calling Jim that day and asking if they were safe, and him saying, “Gary, I can’t stay on the phone we’re expecting incoming.”

With Jim’s extensive background and training, he shared with me how “useless” he felt when hearing about the bravery of his relative Lt. Michael Frances Lynch, who was a member of New York City’s Fire Department “Ladder 4.” Arriving at the second tower just as it was getting hit by the second plane, Michael saw his fireman friend Tim Brown, who was assigned to the Mayor’s office. Tim who was not in firefighting gear informed Michael that people were trapped in the elevators to which Michael replied, “I GOT THIS!” Using the “jaws of life” apparatus, Lt. Lynch was able to extricate three women stuck in an elevator. Unfortunately, shortly thereafter Michael and the Crew of Ladder 4 lost their lives when the tower collapsed on them. Firefighter Tim Brown in the meantime was able to make it to the Command Post when the south tower fell and fortunately, he and the Command Structure were able to escape. Upon hearing this story, I couldn’t help but think how some people run from adversity while others like Jim and his family run to preserve the lives of others.
After 9-11, Jim was reassigned to give increased protection to the daughter of the president. He said, “You have to go to extraordinary lengths to guard those we are protecting such as the first family, this way the President’s thinking is never compromised.”
Since leaving the Secret Service Jim has founded “Universal Safety & Security Solutions LLC,” a company dedicated to protecting major oil companies, churches, and high-profile individuals. Jim shared with me his company uses the training and experience he has garnered through the years, along with personal with similar backgrounds, to ensure their clients’ safety around the world. He said his biggest challenge at times is getting some of those high-profile clients to realize while they may not necessarily be the target, their families are. “I have to teach them if I kidnap you, I don’t have access to the money, but if I kidnap your children, now I do.” Jim continued by saying, “you have to think like a terrorist or someone looking to harm in order to anticipate and provide the highest level of security for our clients.”

While much of Jim’s background and experiences are confidential he is quick to point out the life of a Secret Service agent isn’t glamorous. While most people have this perception of a James Bond, mysterious type individual wearing a dark suit and sunglasses, Jim recounts many long hours working on cases through the night or standing on the front lawn of a presidential candidate on Christmas morning and having to inform him his paper won’t be delivered that day. He added, in providing the highest level of protection there is a great deal of undercover work in places you would least expect.
With the recent withdrawal of troops from Afghanistan, I asked if Jim had any final thoughts as there has been much speculation that with our absence, terror groups will rapidly reform and instead of us keeping the fight off our shores, we once again maybe fighting from our own. Jim replied, “You have to look at the history of Afghanistan. The Green Berets Special Forces Group teamed up with local tribes that were pro U.S. that helped defeat the Russians and didn’t like the Taliban. These forces have to team up with the locals and teach them to fight.” Jim continued, “We never should have tried to be part of Afghanistan, we should have gotten out after killing Osama Bin Ladin…..You have to question, “What was our mission?” “You also have to understand 40-50% of the Taliban are comprised of fighters from such places as Chechnya, Yemen, and Syria that come through Pakistan and go into the mountains around Tora Bora….so you are not just fighting the Taliban Afghanis. If you want to have an impact, you have to cut off all aid to Pakistan.”
While I have loved every minute reconnecting with Jim on a personal level, I found myself realizing that even in a more relaxed setting he has the alertness of a hawk, seeing things most people would never notice. I not only gained a greater appreciation for the sacrifices people like Jim continue to make, but a keener understanding of the lengths they are going to safeguard our nation, and for that, I am eternally grateful.
~Gary

Filed Under: Community Information Tagged With: 9/11, florida, gary cardillo, real estate, remax harbor, secret service, waterfront realtor

Is there a reason my home’s assessed value differs compared to the market value?

August 20, 2021 by Gary Cardillo

A public tax assessor gives the assessed value for a property. This assessment typically occurs yearly for taxation purposes. The fair market value is an agreed-upon price between a willing buyer and seller. There is usually a difference between the assessed value and market value. For homeowners, the assessed value is a double-edged sword. Because, if their annual assessed value increased then their yearly taxes will also be raised.
On the flip side, when selling a house it can help boost its market value. To get a market value, Individuals can purchase an appraisal on their own or hire a real estate agent to perform a comparative market analysis. You may want to do this if you’re thinking about selling and want to know how much to list the property for, or have your eye on a home for sale and are curious if it’s a fair price.
As a homeowner, there are many reasons to know your market value. For example, if you bought a home several years ago and the value increased, you have more home equity. You can leverage this to qualify for refinancing or secure a home equity loan.
When it comes to assessed value, you might wonder what happens if you live in an area where the housing market is hot and homes are selling for far more than they’re worth. After all, that’s not exactly fair to homeowners who don’t want to sell and are stuck with the rising tax bill. The good news is that many states and municipalities have laws in place to prevent property taxes from jumping along with inflated property values.
As always, I am here to help you figure out the best value for your home in this market or if you have any questions feel free to reach out. Gary Cardillo 941.676.1008
Source: Forbes

Filed Under: Buying Real Estate, Selling Real Estate Tagged With: assessed value, florida, gary cardillo, home value, market value, port charlotte, punta gorda, real estate, tax assessor, tax charlotte county

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