 I couldn’t help but look back to this time of year as a kid growing up when we carved pumpkins and watched horror movies on Chiller Theater that left us so scared that every creak and sound we heard in our home had us diving under the covers somehow thinking we wouldn’t be seen by these creatures of the night. What Halloween would be complete without Frankenstein, The Wolfman, Dracula and a supporting cast of Ghouls, Mummies, Werewolfs, Ghosts, Witches and Vampires! After working ourselves into a terrified frenzy the thought of putting out the garbage that night was the last thing you wanted to hear your mom ask you to do. “Mom can’t it wait until morning, I really don’t want to be burned at the stake?”
We dressed up as our favorite creatures, sports heroes and celebrities. Guys dressed as girls, girls dressed as guys and we even dressed up like old geezers, which at that time anyone over 30 years of age qualified.
We freely roamed our neighborhood streets filling our shopping bags so full of candy it would take decades to consume, while keeping most dentists gainfully employed. And of course the ammunition of the day was a carton of eggs, cans of shaving cream, sticks of chalk and a sock full of flour. You never had to ask which home didn’t hand out candy, as the dreaded chalk mark on the sidewalk indicated no one was home and as a consequence for being so unthoughtful typically resulted in the owner being seen washing off the salvo of eggs from the night before.
It was fun trick or treating in disguise when no one knew who you were and the stories told the following day from that special Halloween night were priceless. It also gave us the opportunity to express ourselves in ways that were fun, carefree and creative. However, despite our unique way of expressing ourselves we seemed to bond a little bit closer.
This year has been a year of adjustment. For many it has been a year of despair and others a time of reflection. However, one thing I think we can all agree on is that it is a time when we are focusing on our differences rather than what has brought us together. Just like those horror movies we watched as kids that depicted creatures we knew not from where they came, today we are seeing different kinds of monsters who are tormenting us 24 hours a day.
Back then we could put our monsters back in the closet until the following year, the kind we are facing today think they are here to stay. They are dressed differently and walk amongst us both day and night. When we got scared we pulled the covers over our heads, today I hear kids say they don’t want to hear what is going on in our country or around the world as it sounds too scary.
I’m not sure how we got so off track, but when I think of so many wonderful things we have to enjoy that are found in community events, family and friends it seems like those are the things we need to take back out of the closet labeled “Taking for Granted,” and realize our fondest childhood recollections are within easy reach with lots of great memories still to be made.
-Gary Cardillo
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A Different Kind of Spring
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Most will find from our monthly newsletters that I tend to look at life through my years as a youth. It was a special time when you could savor the simple things life had to offer and take those exciting moments and defeats a bit more in stride. Of course we didn’t have families to support, financial responsibilities to meet, and those never-ending deadlines that collectively seemed to have stolen those precious moments of reflection and appreciation from our lives. We just savored the simple pleasures of life, oftentimes taking them for granted. I always considered myself a “summer kid,” as my fondest recollections revolved around summers spent outdoors at our home on Shelter Island, New York.
This year we are experiencing a different kind of spring, and one not so different in some ways from those I experienced as a child. While we are starting to “awaken” from the “confinement” we’ve experienced over the past few months and resume our “physical” connection with friends, I think we are doing it with a greater appreciation for our home life, our families and the friends who make our lives so special.
While we are adjusting to our new way of life in how we live, work and play, I find myself saying “History has a way of repeating itself,” and I’m not going to squander the lessons learned from this reset. I am going to savor my times with friends and family, along with the blessings I received, with a renewed appreciation long after the challenges we currently face have passed. I also feel our community will be the beneficiary of this renewed personal connection with each other. I sense more of a community spirit as we look to support those local businesses fighting to stay alive while doing their best to serve the community. Like many I speak to, there is a pent up desire for people to embrace their communities and each other during this time with a spirit of “We’ll get through this together.”
In an article I recently read by internationally acclaimed speaker and bestselling author John O’Leary, he describes a conversation he had with his grandfather during lunch twenty years ago that changed his perception of the meaning of success.
 With vivid detail he recalls his grandfather’s question, “Do you know why they call my generation the “Greatest Generation?” It isn’t because we survived the Great Depression…. It’s not because we served in World War II…..It’s not because we came home and built the most productive society in the history of the world. They call us the Greatest Generation because we never forgot all the lessons learned along the way. The Depression taught us to value the little things and to live within our means. The war taught us what real evil looked like, what real sacrifice looked like, what real heroism looked like.”
John continues, “The Greatest Generations conception has much in common with the situation we find ourselves in now…. The collapsing markets and soaring unemployment witnessed by my grandfather evolved into the practice of appreciating the little things, living within their means, and taking nothing for granted.
Likewise, we have the opportunity to shift into this mindset for the long haul, instead of shifting back to the over-scheduled, over-extended, avaricious society we found ourselves in before we were rocked by shelter in place orders.” He concludes by saying, “Although the journey forward remains unclear, the Greatest Generation reminds us that what defines a society during adversity is not only how they respond in the midst of it, but whether they afterward apply the lessons they’ve learned from it.“
This is just one of the many lessons I’ve learned and one I remind myself that “All is well.”
-Gary Cardillo
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During these past few months, I’ve seen couples taking walks hand in hand, families bicycling and kayaking together, neighbors celebrating cocktail hour on the quiet streets in which they live, and with joyful amazement, I watched a group of couples from the condos across the water from our home dancing on the lawn and docks to songs from years gone by. 
Time to Take a Pause April 2020 Newsletter
I have always considered myself more of a spiritual type person, one who was more interested in learning about others, their thoughts and what brought them to their current walk in life. As far as I can remember, I can vividly recall conversations around those summer campfires where we shared life stories and explored parts unknown, at least to us as a bunch of young kids. We rode our bikes on dusty country roads often stopping to pick wild raspberries and honeysuckle.
We sat on the tailgate of our parent’s Ford Country Squire station wagon on our way to the beach where we swam all day, made sandcastles and threw jellyfish at each other. As if we didn’t spend enough time together during the day, many times we would sneak out at night to play flashlight tag or just sit and talk about the day’s events or what we would like to do when we grew up. My fondest recollections are those of summer when life seemed sweeter and gentler with each day being more savored.
It was a time before electronics, emails and text messages replaced heartfelt handwritten letters and phone calls. Back then we enjoyed the simplicity life had to offer and some of the best plans and most fond memories were those that were made on the spur of the moment . Those are the times I cherish most and have kept me young at heart. I have never lost the simple pleasures gained from the scent of a flower, a freshly mowed lawn, the chirping of crickets at night or the sounds of laughter from others enjoying impromptu get-togethers. When we were impacted by the devastation from Hurricane Charley, we had a hint of capturing those moments once again. Forced out of our air-conditioned homes, living on the bare essentials, we found comfort in the company of friends and neighbors as we recovered together.
As a community, we all seemed to grow a bit closer. Today I see something vastly different. While we aren’t consumed picking up the pieces from homes and properties lost during Hurricane Charley, we have been forced to ” pause,” and with that pause, I am seeing people going back to those things I was so fond of as a child. I see couples taking early morning walks and riding bikes together. Many have taken to the water paddling kayaks or taking out those boats that have been sitting idle for months on lifts. I can hear the laughter of neighbors planning impromptu cocktail hours in the streets or on front lawns as they socially distance themselves from one another. Long overdue phone calls are being made and facetime chats are now allowing us to speak with loved ones in real-time.
During this time I’ve often wondered if this was God’s way of bringing us back to the way of life he intended for us. Where those simple pleasures and friendships we enjoyed as kids were meant to be enjoyed as adults, and not to be taken for granted.For those who celebrate Easter and the significance of its meaning, this year will be one that is very different. No longer will people be getting dressed up to go to church. Children won’t be participating in community-sponsored Easter egg hunts and small gatherings with only immediate family for Easter dinner will become this year’s norm.
However, this year could be the most special Easter many will experience as the pause in our lives that has been created will allow us to savor the significance of Easter and this new chapter in our lives even more. Instead of searching for Easter baskets filled with jelly bean stuffed eggs and chocolate rabbits perhaps if we look even deeper under the artificial colored grass we may find an egg filled with the book we’ve been wanting to read, another with the story we wanted to write, one containing the handwritten note to a friend that is long overdue or perhaps one with all those things we wanted to do or create if we only took the time.For those who believe, Easter was one very special person’s sacrifice to give us a better life. One filled with simple pleasures to enjoy and friends to share them with. In a very different way, this pause has given me an even greater appreciation for the things I cherished as a child, the friends we have made along the way and the blessings we’ve received and to know I can enjoy many of those things again.
My hope is this will be that wonderful period of reflection on the memories and dreams you savored as a child and celebrated with friends new and old you’ve met along the way.
-Gary Cardillo
March 2020 A Time of Adjustment and Opportunity
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It seems like yesterday when the New Year started with a bang. The real estate market got off to its fastest start than we had seen over the past couple of years. People were giddy watching the stock market on its meteoric rise reaching an all-time high on February 14th of 29,398.
 Restaurants were packed; sports bars were getting ready for college basketball’s March Madness and people were shopping and enjoying life “as usual.” Then came news out of China of a Coronavirus and since then the world has been in turmoil, or so it seems.As I look back over my life I think of all the upswings and downturns in life I’ve personally experienced and Billy Joel’s 1989 hit song, “We Didn’t Start the Fire,” comes to mind. In just over 3 minutes, he takes us through a recap of history, highlighting man’s greatest achievements and the devastating events that impacted us all from wars, and worldwide epidemics, to political and social unrest. Nothing summarizes this better than his choral lyrics:
We didn’t start the Fire
It’s been always burning
Since the world’s been turning
We didn’t start the fire
No we didn’t light it
But we tried to fight it.
 So what have we learned from our experiences? Apparently, not much! Instead of looking back to how we overcame Polio, SARS, Ebola, H1N1 (Swine Flu), Aids and Influenza, we have driven ourselves into a panic that is being heightened by the media and the emotional roller coaster inherent in the stock market.Now before you think I’m making light of this pandemic and oversimplifying the cautionary steps that need to be taken,
this newsletter is being written by someone who during the seventh grade missed over a month of school due to Whooping Cough. Back then it wasn’t common for someone to be out of school for over a month where homework, class notes and assignments had to be brought home with the expectation that I had to keep up as if I were attending class daily.
Throughout the years, I’ve not only experienced the same worldwide epidemics as most of you, but I’ve gone through economic downturns in the Texas economy in the late ’70s with the devaluation of the Peso and plummeting oil prices. While the rest of the country was experiencing great economic growth, Texas was in a recession. I remember gas lines, as do most of you, the stock market crash in 1987, subsequent recessions, Y2K, the crash in the housing market, and who can’t remember the devastation caused by Hurricane Charley with almost no advanced warning and how our area came back better and more improved than ever? Wow, with that recap I’m starting to sound like Billy Joel myself!
 Writer and philosopher George Santayana wrote in his book, Reason in Common Sense, The Life of Reason, “Those who cannot remember the past are condemned to repeat it.” You would think our past experiences would have enhanced our coping mechanisms, but the example we are setting for this next generation is that of panic and hoarding, instead of seeing the opportunities afforded in challenging times and taking advantage of them.One of my clients who does financial consulting, restructuring and sales growth for businesses recalls the 1987 stock market crash. He was working on Wall Street at the time and ready to go into a corporate meeting when it was delayed by 45 minutes due to brokers actively working the phones. Conventional wisdom would have you think there was a frenzy with everyone looking to sell, but they were swamped with investor calls from those looking to capitalize during the markdown downturn. He said it was during those times the “men were separated from the boys.”
 If you were to speak with the likes of Rich Dad, Poor Dad writer, and Entrepreneur Robert Kiyosaki and Warren Buffet, they will both tell you the times we are presently going through are the times that savvy investors wait for and then jump back into the market.We saw the same thing in the housing market when Hurricane Charley scored a direct hit on Punta Gorda in particular. Most won’t recall that home prices within a week increased by $50-100,000 due to the demand and limited inventory. Then when the housing bubble burst, again some took advantage of great opportunistic buys in a market that had been over-inflated. Those who had bought their homes years before the unprecedented upswing in the market, found themselves still ahead of the game when the market corrected itself.
I feel when the economy is robust and we are seeing meteoric rises in the stock and real estate markets, for example, we get caught up in the excitement, much the same way we do when the team we are rooting for seems to be scoring at will. What we lose sight of during our euphoria is that adjustments or events are going to occur that are going to temper those gains, and those that anticipate those adjustments insulate themselves to a degree from the drastic downturns we are currently experiencing.
 In speaking with Faiza Kedir, Director, Business Development Financial Advisor of the nationally recognized Private Wealth Asset Management company of Lansberg Bennet, she stressed how they are a non-commission based fiduciary, whose sole focus is protecting their client’s investments.In a letter written to their clients a few weeks ago by Principal Financial Advisor and the company’s Chief Investment Officer, Michael Lansberg CIMA, CFP, it read in part:
Your performance is different than what you see on TV.
Does CNBC have you scared to look at your portfolio? You should sign onto the Landsberg Bennett client portal or the fidelity.com webpage and look at your balances instead of listening to all the gloom and doom on TV. Although you will be down from where we were January 1, we think you will be pleasantly surprised by your portfolio’s performance.
In every balanced account (where we own any amount of bonds), we trimmed our stock positions in January to protect some of the gains from a superb 2019. This has given us some more downside protection in this recent sell-off as well as giving us some “dry powder” for when we see some attractive opportunities in the market.
We have been watching market metrics over the last week or so hoping for an opportunity where we would see an abundance of fear creep into the market.
This morning, a number of our metrics gave us a clear sign that a great deal of fear and anxiety had entered the market and provided us an opportunity to start slowly buying at these lower levels.
Baron Rothschild, an 18th-century British nobleman and member of the Rothschild banking family, is credited with saying that “the time to buy is when there’s blood in the streets.” It appears to us as this may be starting to happen, figuratively not literally.
We are not suggesting that the market
cannot go lower from here, but we believe this is a good entry point to start adding to existing positions. For long term investors, volatility is a good thing that allows entry points into the market for those that have prepared ahead and have liquidity. We did and you do.
Michael W. Landsberg, CFP®, CIMA®
Principal, Chief Investment Officer Not being one to make light of the current situation, just as there is a big difference between calm and complacency there is between panic and preparedness as you see from Michael Landsberg’s letter above.
 As consumers, we are always in the market looking for good buys and now we are seeing sellers reacting to the market and making price reductions in their list prices.Don’t think for one second the real estate market is only open a few months of the year. Some of our strongest selling months have been during the summer and fall, as buyers are not going to let the time of year dictate when they will pounce on an aggressively priced home. With affordably priced airfares we’ve seen more and more clients fly down in a matter of days so as not to miss a great buying opportunity. Just remember, this current situation will pass, but inclement weather and high taxes in many northern cities and states will remain and that is what has led to a very active real estate market these first few months.
The silver lining in all this is our real estate market is not characterized by over-inflated pricing, excess inventory and over-leveraged banking industry.
Our industry is very healthy and to coin a phrase from Denny Grimes, a Realtor who I have great respect, “We are selling water, warmth and a way of life,” and that is what will enable our state to thrive better during this time than those from other parts of the country.
-Gary Cardillo
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Charlotte County Schools…A Safe, Cutting Edge Academic Environment
Recently the Punta Gorda Metropolitan Statistical Area (which includes all of Charlotte County) was recognized from the “Business Insider” as the number three location of the top 20 national MSA’s where people are relocating. The article was expanded on by Charlotte County Chamber of Commerce Executive Director, Julie Mathis, who said, “We know that people are moving here to enjoy an affordable waterfront community, educational opportunities for all ages, downtown Punta Gorda, boating, golf, biking and so much more.“ As a Realtor, oftentimes we are the first point of contact by those considering a move to our area. Aside from the obvious questions regarding the local activities and points of interest previously mentioned, the question on everyone’s mind is “What are the area schools and medical services like in the area?” Having a son, family members and watching their fellow classmates graduate from our school system with honors, we’ve seen them go on to pursue careers in medicine, finance and as mechanical engineers with top national corporations. We knew how good our school system was in preparing our children for higher forms of education and beyond. However, I wanted to get a better insight as to what it takes to become an “A” level school and the programs being created to address the careers of the future, and who better to provide that insight than Steve Dionisio, Superintendent of the Charlotte County Public School system.
Growing up in the area and going through the school system himself, Steve returned after college with a passion for teaching and preparing children for their future endeavors. Now in his 28th year with the Charlotte County School system, he looks fondly at the over 12 years he served as principal of Port Charlotte High School, and for the past 5 as Superintendent overseeing 15,500 students and 2,400 employees that include up to 100 new teachers per year. While this would be a hard task to manage for any Fortune 500 CEO, one look at the artwork adorning the walls of Steve’s office and you can tell it is all about the children.
Steve makes a point of visiting every classroom of the 22 schools in the district and speaking to each of the 1,300-1,400 teachers throughout the school year. “I watch and see how kids grow and learn quickly through their mistakes. I see how teachers also grow and adapt to the daily challenges in running a successful classroom.”
 Steve added, “I don’t go in with a speech, I speak from the heart and hear what they have to say.” It is that kind of concern and passion the district was looking for that resulted in awarding Steve the Supervisor’s position without the required interview. He has set a very high bar in that he not only wants the Charlotte County Public School system to attain and maintain an “A” level status in every one of the schools within the district, he wants CCPS to become the number one school system in the state. Currently, the graduation rate of 88% is the highest it has ever been in Charlotte County Public School history , and would be higher if counting those children who attend the Academy or who have a delayed graduation were included in those graduation figures.Recently, I responded to a letter sent to the Editor of our local newspaper written by an individual who was critical of the school system and its teachers.
 With no facts to back up his assertions, I replied by citing the academic and athletic achievements our students have attained and the careers they had already pursued. However, one key point I made in the letter was how different the educational environment is today than it was when I was growing up. While we had our share of schoolyard fights and differences with our classmates, but today school security has become just as important as the academic curriculum. “Safety,” as Steve points out, “Is the biggest challenge we face today. When the state mandated increased security for schools establishing minimums for staffing of “School Resource Officers,” (SRO’s) after the Parkland school shootings, Charlotte County Public Schools already had those minimums in place and increased the security staffing and presence even further.” He continued by saying, “Safety of the child and staff is my first concern. We conduct active assailant drills and teach the children where the safest area is in the classroom and how to barricade a door.” Steve adds, “It is heartbreaking that a kindergarten child has to learn how to survive.” With updated phone systems in place, and the ability to lock down the campus instantly, every parent and student can be updated during a crisis in a matter of minutes. Since many of the previous school and mass shootings have been traced back to a shooter who had a history of mental health issues, or has come from a background of heightened emotional distress, Steve said, “This community talks to each other. The school system, the Charlotte County Sheriff’s Department, Police Chief and Charlotte County Mental Health department all move in the same direction with a game plan in place.” Together, they work in concert to provide a model for a safe learning environment. W hen I was attending school, back when dinosaurs roamed the earth, the course curriculum was based around the three basic components, reading, writing and arithmetic.  Our exposure to the national and international events didn’t seem to be as polarizing as they are today. Today we are hearing where many of the educators, particularly those in the higher learning levels (college), are integrating their personal opinions into the course curriculum. Steve’s replied by saying, “We want our students to have a voice, as long as they aren’t breaking any of the school system’s rules. Kids today are watching and learning how those in position react to scenarios presented to them and respond accordingly.” He went on to say, “We didn’t have social media when we grew up, (Steve still doesn’t have facebook and social media accounts), and unfortunately, much of what is being posted on these sites is not based on fact. Unlike having a direct dialogue, with social media you can post without having to defend your position.” For years I’ve often felt our county didn’t offer many career opportunities outside of medical, law, real estate and the building trades. I have thought for years we were training our young bright minds to benefit someone else’s city or state. Steve perhaps put it much more succinctly when he said, “We are exporting our kids,” and to address this need our technical school, together with new programs being created will give our kids an instant opportunity for employment in cutting edge industries. Working in concert with Charlotte County and the Charlotte County Economic Development team, (that also has representation on the school board), new career opportunities are being created in airframe and airline mechanics, solar energy, HVAC, small engine repair, technology, dental and nursing . These programs have all been created, at great cost, so graduating students can immediately feed the growth of specific industries. In fact, just in the nursing program alone 98% of those graduating find almost immediate employment. With the new Sunseeker Resort due to be completed in late 2020, new programs with be designed with the goal of feeding a diversity of job opportunities that will be created by this 450+ million dollar resort development.In closing, Steve shared with me that we have many talented individuals that sit on the school board who bring a wealth of experience, energy and tireless support with the goal of making the Charlotte County School System a model educational environment however, it takes even more support from our community.
 Steve noted very soon the entire school system will gain its “A” rating, but that it takes mentors and positive role models and mentoring programs to augment what the school provides. Steve stressed the importance of going to school events, “even if you don’t have children in school.” “Support their sports, school plays and other events, and be supportive of the school system even when there are things we could do better, as that is what makes our school system better.”This year the Charlotte School System will once again graduate approximately 2,000 young bright minds and from the personal insight I gained from my conversation with this very caring and gifted Superintendent, I get the impression there are few things in life that bring him more joy than watching the sense of accomplishment on the faces of these students as they walk across their graduation stage knowing they are well prepared for the next chapter in their lives and equipped with the ability to make an impact in their career path of their choice.
-Gary Cardillo
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While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.