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	<title>The Gary Cardillo Group</title>
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	<description>Your Punta Gorda Waterfront Specialists</description>
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	<item>
		<title>Market Update</title>
		<link>https://flwaterfrontliving.com/2024/12/market-update</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Wed, 04 Dec 2024 18:59:29 +0000</pubDate>
				<category><![CDATA[Buying Real Estate]]></category>
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		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=4146</guid>

					<description><![CDATA[For months we’ve been posting updates on the real estate market which up until recently has impacted the local and statewide markets by the higher than anticipated taxes, rising insurance premiums, interest rates and the election. While those factors alone led for a decline in sales and sales prices for most of the state, the [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>For months we’ve been posting updates on the real estate market which up until recently has impacted the local and statewide markets by the higher than anticipated taxes, rising insurance premiums, interest rates and the election. While those factors alone led for a decline in sales and sales prices for most of the state, the devastating effects of the hurricanes over the past few months have had a unique impact of their own, especially to our local markets.</p>
<p>Typically this time of year we not only focus on the year to year sales comparisons, but the year to date recap as well, however, adding in the variable of multiple hurricanes are skewing the numbers resulting in fewer showings, inventory that was damaged or lost this year versus last, and listing prices decreasing. While we would typically see more inventory coming on the market this time of year in anticipation for the upcoming season and the arrival of our winter visitors, we are also seeing a significant number of inquiries by investors looking for opportunistic buys. Unlike Hurricane Charley where Money and Forbes magazines had just voted our area as one of the best places to retire that created an unique competition between investors and buyers vying for limited inventory, there is plenty of inventory for buyers and investors of all types. The silver lining for some is if their homes have not been impacted by the recent storms, those homes will be viewed more favorably and the potential is for shorter times on the market if priced competitively. For others who did not fare as well, keep in mind there is a 50/50 rule that will impact your recovery plans. When in doubt call a reputable contractor to give you an estimate, and who can also determine if any of your damage was wind related or just caused by rising water. Before making any decisions check with your accountant and financial advisor as they will help you decide if rebuilding is a viable option or selling the property “AS IS” is your wisest financial choice.</p>
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		<item>
		<title>The Power of Music</title>
		<link>https://flwaterfrontliving.com/2023/09/the-power-of-music</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Fri, 29 Sep 2023 17:26:38 +0000</pubDate>
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		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=3865</guid>

					<description><![CDATA[For the past month, I&#8217;ve been desperately searching for something inspiring to write while recovering from rotator cuff surgery. It&#8217;s not how I envisioned spending my summer, but I&#8217;m far from unique, as almost everyone I meet has undergone the same surgery at least once! I guess it is somewhat like a rite of passage, [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>For the past month, I&#8217;ve been desperately searching for something inspiring to write while recovering from rotator cuff surgery. It&#8217;s not how I envisioned spending my summer, but I&#8217;m far from unique, as almost everyone I meet has undergone the same surgery at least once! I guess it is somewhat like a rite of passage, although given an option, I would like to have passed through something more pleasurable. As I mentioned in my previous newsletter, there is always a silver lining to every challenge we face. For me, it is twofold, with the first being a reprieve from my wife&#8217;s ever-growing honey-do list, which appears to be gaining interest. The second has been a bit of a challenge, as I’ve tried to reflect on other things that would bring enjoyment now that I’ve been forced to limit my outdoor activities.</p>
<p>Taking time away from the computer and the endless paperwork to read a good Nelson DeMille novel is entertaining and gets my creative juices flowing. His books are full of history and suspense, and the ever-present sarcastic wit of his iconic character, John Corey, someone my wife will tell you, resonates with me. However, even more inspiring to me is music.</p>
<p>Every generation has its favorite recording artists and songs, and while some may disagree, music is a language that touches the soul. It&#8217;s perhaps one of the last avenues where people can communicate with each other and where emotions and beliefs can be expressed often without fear of a harsh response. Music makes my heart sing, and I find it takes you on a journey through your life. Most people I know can tell you where they were or what they were doing when a particular song they heard hit the airwaves. While listening to music at home or on a road trip is gratifying, there is nothing like seeing your favorite songs performed live.</p>
<p>Today, you hear terms like &#8220;Cover bands,&#8221; &#8220;Tribute Bands,&#8221; and, to some extent, &#8220;Impersonators.&#8221; It was explained to me, &#8220;Impersonators dress like the artists. Cover bands perform the songs but often add their creative interpretation to the music, while Tribute bands have a higher level of audience expectation. It is a full-on symphony and tribute to a great composer or composition.” Vocally and instrumentally, the music is played as close to how the original artist recorded it. To be able to play note for note and vocalize with similar accuracy, I find not only entertaining but captivating.</p>
<p><img fetchpriority="high" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/dbb22a58-818b-4132-bb08-82e50cca2b84.jpg?rdr=true" width="339" height="253" /></p>
<p>Todd Pitts is a name you may not recognize, but this gifted musician is akin to the Rich Little of Music, where he has founded not one, but ten tribute bands that pay homage to those recording artists that have touched our lives in one way or another. I first heard Todd&#8217;s band, &#8220;The Alter Eagles,&#8221; an Eagle&#8217;s tribute band he founded, play at the Visani Italian Steakhouse and Comedy Theater. I was amazed by how close this talented group of musicians duplicated the vocals and instrumental work of the original Eagles band. Not only did they play each song to perfection, but they were multi-instrumentalists as well. However, despite his success, Todd’s story is a winding tale of a young man&#8217;s dream that was derailed, and it took years for that desire to be fulfilled.</p>
<p>Influenced by his mother, an accomplished singer, Todd and his brother started perfecting their vocal skills, paying close attention to the inflections in how each song was performed. Instrumentally, Todd admits he is self-taught, learning to play by ear. Humbly, he classifies himself as “utilitarian,” or in other words, “A singer who plays guitar and drums,” an understatement if you ask me. Todd tells of how they formed a band and were performing from Thursday through Saturday at a local bottle club, an after-hours club in the Tampa area; however, on the final night of this run, he crashed his car in front of the Curtis Hixon Hall in Tampa, ironically the venue where he saw his first concert featuring the band “Rush” four years prior. His music career would take a detour and a dream delayed. For the next 11 years, Todd would serve as a combat paramedic in the U.S. Army in one capacity or another in what he describes as the “Straight Leg Infantry.” During that time, he was stationed for two years in Berlin and eventually transitioned to the mechanized unit out of Fort Polk. He continued his medical specialty, transitioning as a dermatology tech, helping treat patients in various hospitals.</p>
<p><img decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/6ebd2f6e-1602-421e-a61c-b97d0634a821.jpg?rdr=true" width="321" height="482" /></p>
<p>In 1992, Todd entered what he described as “The World of Corporate America,” where Lanier employed him and sold copiers and fax machines. After that, he joined the tech world selling computers with 3-D modeling and effects capabilities. Todd recounted how these systems were used to create Pixar and Jurassic Park animation movies. As with many of us resigned to pursue a career more out of necessity than desire, it appeared Todd was inevitably destined to follow the same path until open heart surgery in 2001 was the awakening he needed. He decided to follow his passion.</p>
<p>In one of my previous newsletters, I mentioned that as a young teenager, we formed a rock and roll band and envisioned ourselves as the next Beatles, as I&#8217;m sure most kids did then. The thought one day we’d be playing in front of an audience was a thrill beyond our young imaginations. Of course, reality set in, and our careers were short-lived. However, I gained an inexpressible appreciation for those who can capture the performance of the original artists in such a way that it takes us back to those special moments in our lives. As I’ve gotten older, I find there is a time when we are the most creative, and if not acted upon, it seems to pass. For some, it lasts longer than others, which I find astounding when I think of the number of songs Paul McCartney and John Lennon penned in a relatively short time. Todd summed it up best: “It’s about applying creativity to life.” That time came to Todd 14 years ago when he wanted to recreate the tracks of the original artists as close as possible. He recounts that they performed only 15 shows in the first year, and by the second year, it had expanded to 35. Today, they perform 140 to 150 shows per year. What started as an Eagles tribute band has now grown to 9 additional tribute acts that pay homage to Creedence Clearwater Revival, Tom Petty, The Rolling Stones, Crosby, Stills, Nash and Young, Simon and Garfunkel, The Bee Gees, The Doobie Brothers, Steve Miller and America. Todd&#8217;s wife Chandra, who mixes the sound for the band at each show, added, “While our shows have expanded, so have our loyal fans. Each 4th of July, we are the featured band at the historic Daytona Beach Band Shell and have played to audiences approaching 20,000.”</p>
<p>While the number of shows has expanded, and their audience has grown, Todd said their greatest joy and satisfaction comes when looking out from the stage and seeing the smiles and emotions across each face in the crowd. He recounts witnessing a couple during their Simon and Garfunkel show where they closed with the song ”Sound of Silence.&#8221; &#8220;They were sitting in the front row, and as they moved closer to each other, you could see the emotion that came over their faces….it turned out it was their wedding song.&#8221; He tells of their Bee Gees tribute show they performed in Sun City when the crowd of 700 started singing back to the song they were playing. Todd said, “We stopped singing, and the crowd took control of the experience.&#8221; &#8220;And then you have a young girl in tears as we performed Desperado during our Eagles tribute show.”</p>
<p><img decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/c5bf12c9-f936-41a7-9bb9-4894de6767fd.jpg?rdr=true" width="246" height="327" /></p>
<p>Todd summed it best when he said, &#8220;Music is very honest and brings you back to those special times in your life.&#8221; I often think, in the world in which we live, perhaps music isn&#8217;t just a way of escaping some of life&#8217;s challenges for a brief moment or two but may be one of the best forms of communication we could have with each other where all our differences are put aside, and we can enjoy the best life has to offer……. together.</p>
<p>To view all their upcoming tribute events, go to www.ClassicTributeslive.com, but book your evening to remember early, as they sell out fast.</p>
<p>-Gary Cardillo</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
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		<title>When Did We Stop Laughing at Ourselves?</title>
		<link>https://flwaterfrontliving.com/2023/09/when-did-we-stop-laughing-at-ourselves</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Fri, 01 Sep 2023 23:59:47 +0000</pubDate>
				<category><![CDATA[Events & Activities]]></category>
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		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=3852</guid>

					<description><![CDATA[Almost two years ago, my wife signed us up as members of St. Andrew&#8217;s South Golf Club, as it occurred to her I was spending too much time sitting behind a computer or working late into the evening, and my only outlet was doing yard work. Somewhere along the way, I became my father! I wasn&#8217;t [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/a9cf1e1e-9d4f-49dc-adce-106a48918816.jpg?rdr=true" width="325" height="206" />Almost two years ago, my wife signed us up as members of St. Andrew&#8217;s South Golf Club, as it occurred to her I was spending too much time sitting behind a computer or working late into the evening, and my only outlet was doing yard work. Somewhere along the way, I became my father! I wasn&#8217;t doing anything fun in my spare time. Try explaining that to someone who spends half their year bundled up during the winter months, and they&#8217;ll think you lost your mind when you live on the water and close to a host of golf courses. Sure, there are more challenging courses than St. Andrews; for years, when asked why I didn&#8217;t join, I would tease and tell them that due to the relatively flat terrain of the course, that’s where they used to host the areas Greyhound races. Now before you think, “This guy must be some golfer,” let me tell you this course has gotten the better of me in more ways than one. While St. Andrew’s South may not be hosting the U.S. Open anytime soon, this club is second to none in terms of the people we&#8217;ve met and the friends we&#8217;ve made.</p>
<p>Golfers have their unique brand of humor. They can hit a great shot and tell you it&#8217;s just another of the many great shots they routinely make. And no one is quicker to tease you about the shot you just hit into the water or lost in the trees than the guys in your foursome. This may sound cruel to some, but that makes the sport so much fun, and the guys I play with will never miss an opportunity to celebrate your crummy shot. While there is no shortage of sarcasm, they are equally supportive of the good ones too….or at least they feign they are!</p>
<p>Unfortunately, that fun time on the course ended in April. I was playing in a small tournament with this cast of characters when I tore my rotator cuff, and I haven&#8217;t been able to play golf since. For anyone who has had this injury and gone through surgery and physical therapy, I can tell you it isn’t something you would put on your bucket list. Perhaps the most frustrating part of the recovery process is the sleepless nights, but there is always a silver lining with every challenge.</p>
<p>While the rest of the neighborhood was sound asleep, I was entertained by some shows and comedians we grew up watching. Between all the documentaries and infomercials, it was as if they were all waiting for me. There was Groucho Marx, All in the Family&#8217;s Archie Bunker, Sanford and Son’s Redd Foxx, Don Rickles, Robin Williams, Eddie Murphy, Richard Pryor, Rodney Daingerfield, and George Carlin, to name a few. Shows and comedians I hadn’t seen in what seemed like decades not only took my mind off the discomfort I was experiencing but somehow made me realize the stark difference in the things that entertained us back then and how many of those things couldn&#8217;t be said today. How did we become so thinned-skinned that we couldn&#8217;t laugh at ourselves or gain a better understanding of life&#8217;s injustices without going into the frenzy we see today? Can we blame it all on the media?</p>
<p>If you have ever played a sport, you know what teasing happens between your teammates and in the locker room. The nationally-ranked high school soccer team I played on was comprised of virtually every nationality you could imagine. I was one of the few American-born kids on the team, and don&#8217;t think we didn&#8217;t make fun of each other when we could barely understand what our teammate was saying. We laughed at our differences and celebrated the things we shared in common.</p>
<p>We had friends who were politicians and others whose political opinions differed from ours. Maybe it was a time when we didn&#8217;t feel like doomsday was right around the corner and the president our friend supported was in the process of driving the train over a cliff. To this day, we still can discuss our differing viewpoints without the thought of a friendship being compromised. I always felt it was better to listen and learn from other people’s experiences, which made the shows I mentioned earlier so special. While most watched them for entertainment or just a laugh at the end of a long work day, I developed an even deeper appreciation of them during these overnight hours.</p>
<p>As diverse as these shows and comedians were, their performances were all based on some form of social commentary. While we laughed at Archie Bunker referring to his son-in-law Michael as the &#8220;Meat Head,&#8221; most would agree it was Archie with his narrow-minded personal and political views. Richard Pryor and Redd Fox had us laughing till our sides hurt, but no one painted a better picture of the injustices so many people of color endured regarding their interactions with the police. Eddie Murphy&#8217;s SNL skit Mr. Robinson&#8217;s Neighborhood, where he describes gentrification as “A magic trick where the white people pay money, and the black people disappear,&#8221; could never be shown on television today.</p>
<p>Don Rickles was an equal opportunity insulter. He made fun of every nationality and race you could imagine. If the celebrity guest or audience member wasn&#8217;t quick enough to catch on to his insult, he called them a &#8220;moron.&#8221; He always followed up with, &#8220;You know I&#8217;m kidding,&#8221; and then would roll his eyes to confirm that person was a moron. Try saying that to someone you don&#8217;t know today and see the response you get.</p>
<p>This leaves me with the last three, Robin Williams, George Carlin, and Rodney Daingerfield. No one was more quick-witted than Robin Williams. While we remember him for his rapid-fire one-liners, the diversity of his movies, such as The Dead Poets Society, Good Morning Vietnam, and The Birdcage, often shed more light on many of the social issues we faced then. In contrast, we remember Rodney Daingerfield not only for his iconic role in Caddy Shack but as the one comedian who always made fun of his deficiencies and bad luck. His “self-deprecating” sense of humor that always ended, &#8220;I get no respect,&#8221; was refreshing in many ways and made us take ourselves a bit less seriously. Unfortunately, like Robin Williams, Daingerfield fought depression most of his life, which was another life lesson so many quietly suffer from today.</p>
<p>I saved George Carlin for last, as he was perhaps the best regarding social commentaries. In an article written by Helbert Enrique Asprilla, entitled &#8220;Why George Carlin Is My Dead Mentor,&#8221; he reflects on the life of the late George Carlin, who was known for his &#8220;thought-provoking, stand-up comedy, tackling topics such as politics, languages, and the human condition.&#8221; Asprilla continues by saying, &#8220;Carlin offers a wealth of knowledge and insight, challenging social norms and encouraging us to think critically about the world around us. Whether through his commentary on politics and government, his observations on the human experience, or his critiques on authority and institutions, Carlin&#8217;s comedy has much to teach us about the absurdity of the world and the importance of questioning the status quo.&#8221; In one of his routines, &#8220;Life is Worth Losing,&#8221; Carlin relates, &#8220;We&#8217;re all just temporary custodians of our bodies…we&#8217;re just passing through, and this is just a stop along the way.&#8221; Asprilla concluded, &#8220;Carlin&#8217;s perspective on the fleeting nature of life can help us appreciate and make the most of the time we have, rather than getting caught up on the trivialities and materialism of the world today.&#8221;</p>
<p>&nbsp;</p>
<p>While many of these comedic icons have passed, the life lessons through their work live on to this day. I&#8217;m convinced comedy is not just a respite from the everyday challenges life throws at us but is the antidote we need to put life into a bit more perspective and take ourselves a bit less seriously.</p>
<p>&nbsp;</p>
<p>-Gary Cardillo</p>
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		<title>Hurricane Ian and The Art of War</title>
		<link>https://flwaterfrontliving.com/2022/11/hurricane-ian-and-the-art-of-war</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Tue, 01 Nov 2022 18:35:31 +0000</pubDate>
				<category><![CDATA[Community Information]]></category>
		<category><![CDATA[art of war]]></category>
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		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=3323</guid>

					<description><![CDATA[It seems like yesterday when Hurricane Charley came ashore and devastated our area. Call it complacency or just lack of experience, but I haven&#8217;t come across anyone who thought that storm was going to take a right-hand turn into Charlotte Harbor and create the devastating damage that it did. Perhaps it was due to having [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>It seems like yesterday when Hurricane Charley came ashore and devastated our area. Call it complacency or just lack of experience, but I haven&#8217;t come across anyone who thought that storm was going to take a right-hand turn into Charlotte Harbor and create the devastating damage that it did. Perhaps it was due to having a Governor whose brother was the President of the United States at the time, but the speed at which our area was back on its feet was miraculous, and one that was well-documented in the media. The community came together and with the help of a master planner, our city came back better and stronger than anyone could have imagined. What struck me most was the heartfelt compassion so many had who came to our rescue. Those who tried to gouge, or take advantage of us were quickly dealt with, while others came from all over the country to lend their support.</p>
<p>Our friend and insurance agent was Bill Martin, who owned the State Farm Agency in Punta Gorda at the time. I remember seeing him manning the makeshift State Farm command center that was set up in the Publix Shopping center parking lot in Port Charlotte. People were searching for answers on what to do, still somewhat in shock from the devastation that came upon us almost without warning. Watching Bill handle each person with such style and grace was like having your security blanket. You couldn’t help but feel his sincerity that we would get through this together. For us, it was a seamless transition, as the field adjuster who came to our home was equally caring and conveyed that same feeling that we would be well taken care of, and we were.</p>
<p>Having a home 15 ft. from a seawall doesn&#8217;t give you much hope if a storm surge is in the forecast, and just like Charley, we weren&#8217;t expecting to come back to a home with Hurricane Ian either. Fortunately for us, we were spared however, our sense of being in good hands was to be short-lived.</p>
<p>Most would agree, Hurricane Charley, inflicted more damage to our area than Hurricane Ian. Perhaps it is due to newer building codes or after going through one hurricane we protected our homes and businesses much better, but overall I think for the exception of some, most fared a bit better. Having dodged a bullet of sorts, I felt based on our past claim experience with Charley, this would be handled with the same compassion. Unfortunately, Bill had retired and the field adjuster we had this time had an agenda. It was very apparent from the outset his goal was to help us as little as possible in recovering from the loss we incurred.</p>
<p>I’ve never been an ambulance chaser and don’t believe in cheating the system to claim things we are not entitled, but when you don’t put in for claims and still get increases in your premiums, it is a hard pill to swallow when in your time of need you are treated like the adversary.</p>
<p><img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/355ef626-3c2a-4e93-a947-2d283c44bb22.jpg?rdr=true" width="144" height="238" />Having been a Realtor for 18 years, we’ve helped many clients over those years navigate inspection reports and repairs so they can enjoy a smooth closing. We’ve learned a great deal from inspectors and contractors alike, and the difference between a repair and replacement. So you can imagine my frustration when our insurance field adjuster went on our 18-year-old roof and after surveying all the broken tiles said, &#8220;This can be repaired.” When I asked him about all the loose tiles he missed he replied, &#8220;Let me know if you see anything and I&#8217;ll add it to my report.&#8221; Anyone who knows me, knows I don’t like heights. Unless my roof was the height of my dining room table I wasn’t going to climb my roof to point out all the tiles he missed….thus began my “Art of War.”</p>
<p>Sun Tzu’s, “The Art of War,” is a philosophy that war should be avoided and if it can’t it should be fought psychologically and strategically to minimize loss or damage. Having worked in cut-throat industries in New York City, applying the principles of Sun Tzu&#8217;s approach would be the last thing I would have been taught to consider. Do I take the field adjuster’s ladder away and leave him up on the roof so he can see all the damage the roofers who did go up on the roof point out to me? Do I toss him up a stronger pair of glasses? Maybe I even ask if he’s even done this before? I’m sure those approaches wouldn’t work in my favor, but when your insurance company tells you that you need a repair and the suppliers for roofing materials they gave you say &#8220;Your tile was discontinued a &#8220;long, long time ago,&#8221; you realize you have to fight for yourself. So like many, I now have to fight my battle with contractors I have little or no experience with, and for someone who doesn’t know where to turn, this can be frightening.</p>
<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/2af2ae64-61a4-4dfc-83bf-63c08ead6be1.jpg?rdr=true" width="236" height="133" />How do you know which roofer is being honest with you and not just looking to gouge the insurance company, when all you need is a repair? What about all the other damage to your pool cage or other items that were destroyed? It starts with having a good insurance broker who can guide you through the claims process. Then if you aren&#8217;t fortunate enough to get an adjuster who is keeping your best interests in mind, you have to get as many opinions and references as possible before signing anything. Whatever you do, don&#8217;t sign over your benefits, otherwise known as A.O.B., and not to be confused with New York Congresswoman A.O.C.</p>
<p><img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/901c9ae8-d22e-475a-bde5-2a64c016ea5c.png?rdr=true" width="298" height="147" />A.O.B. is the acronym for “Assignment Of Benefits” and some people have unwittingly fallen victim to signing these over to a third party, who can be a roofing contractor or someone claiming to be working in your best interests. For those of you unfamiliar with the process, by signing over your claim benefits you are now on the outside looking in as all decisions and reimbursements will be going to the third party. You are no longer in control of your insurance benefits or reimbursements. In Florida, you do have a 14-day rescission period in which to cancel that agreement, but it is best to seek the advice of an attorney or your insurance broker before signing anything. Some people will automatically engage the services of a public adjuster to fight their battles. I look at this as more the last option than my first. Public adjusters on average will make ten percent of the total claim. If the insurance company doesn’t reimburse you enough to cover their “commission” you are on the hook. If you have a deductible of $5,000-10,000 and you have $60,000-100,000 in damages, and the insurance company is only looking to cover the cost for damages and nothing more, you could be out of pocket another $6,000-10,000 on top of your deductible. Another thing to consider is the contract you are signing with a roofer. Are you bound to them regardless of whether they get enough money to complete your roof repair or replacement, or are you responsible to make up the difference? Questions you need to ask aside from getting a quote and an estimated time of completion to complete the job are 1. Is there a cancellation period in the contract should I decide to terminate this agreement? 2. Am I bound to you if the insurance company is unwilling to agree to your estimate?</p>
<p><img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/819c6bee-fe11-47ed-97c1-6cfa531cb95d.jpg?rdr=true" width="107" height="107" />While I’ve been sharing my experience with a roofer and an insurance company that seems more concerned with their interests than helping us through this time, there is a reason many of you may be experiencing what we are. Ask any insurance broker how many questionable claims for new roofs were submitted years after Hurricane Irma impacted Florida. They’ve shared with us the weather-related causes we just didn&#8217;t experience, but that it was cheaper to pay the claim than battle in court. As a result, insurance companies are now insuring roofs for less time than the projected lifespan from the manufacturer. On average, an insurance company will insure a shingle roof for 10-15 years, a tile roof for 20-25 years, and a metal roof for 25-30 years before requiring you to replace it to continue coverage. The question becomes, “Is the insurance company looking to &#8220;repair&#8221; when you need a replacement, knowing in a few short years you’ll need to incur the cost of replacement yourself?” The important thing to keep in mind is to get several estimates from respectable contractors who have good reviews and standing with the Better Business Bureau. For those living in the general area, you can always reach out to the Charlotte Desoto Building Industry Association otherwise known as the CDBIA. They are comprised of local contractors, lenders, and related trades and services that can give you guidance and resources when needed. While none of us want to wait for a prolonged period to get our homes put back together, don&#8217;t feel pressured to sign a contract until you&#8217;ve thoroughly researched the company and the contract. Our understanding is you have up to a year to file a claim, but check with your insurance broker to verify the details of your policy.<img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/42bcfa7c-bd26-44ec-8be4-44960a7833b1.png?rdr=true" width="228" height="122" /></p>
<p>Despite going through a major storm for the second time in 18 years, we are safe and just like last time, our homes and our community will come back better than before, and we&#8217;ll all grow a little closer to each other.</p>
<p>&nbsp;</p>
<p>-Gary Cardillo</p>
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		<title>A Farewell to Summer for Some</title>
		<link>https://flwaterfrontliving.com/2022/09/a-farewell-to-summer-for-some</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Wed, 07 Sep 2022 21:27:20 +0000</pubDate>
				<category><![CDATA[Community Information]]></category>
		<category><![CDATA[florida home]]></category>
		<category><![CDATA[flwaterfront]]></category>
		<category><![CDATA[gary cardillo]]></category>
		<category><![CDATA[newsletter]]></category>
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		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=3027</guid>

					<description><![CDATA[I always thought of myself as a real summer kid. Growing up in New York I was willing to sacrifice all the other months just to get to the summer season that started with Memorial Day and ended on Labor Day. That’s when I felt the most alive, and it was almost like watching life through [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/b28a7f87-6fb5-4d58-91cb-d3cf5d9d81af.png?rdr=true" width="186" height="164" />I always thought of myself as a real summer kid. Growing up in New York I was willing to sacrifice all the other months just to get to the summer season that started with Memorial Day and ended on Labor Day. That’s when I felt the most alive, and it was almost like watching life through a black and white t.v. that just transitioned to color. While my father claimed his favorite time of year was the fall, he would often say, “If you took out January, February, and March you would have perfect weather.&#8221; With a puzzled look on my face, I would reply, &#8220;You just cut out a quarter of the year like it was nothing.” Then I thought to myself, “I was willing to give up three quarters of the year just to get to my favorite 3 months.” I had to ask myself, “Which of the two of us was really nuts?”</p>
<p>Don’t get me wrong, we had lots of great activities and music that occurred throughout the year, but the fun we had, and the music that played throughout the summer was something very special. I bet my &#8220;championship&#8221; music trivia teammates, Greg and Toni White would agree “The Twist” by Chubby Checker, “Summer In the City&#8221; by The Lovin Spoonful, and the Beach Boys, “California Girls” never sounded better than in the summer months. I’ll even add Sly and The Family Stone’s “Hot Fun in the Summer Time” and what kid wouldn’t feel his summer was just starting when listening to Alice Cooper’s “Schools Out?” It didn’t matter the era you grew up in, the music never sounded better than it did in the summer, especially if the windows in your car were rolled down or you were driving in a convertible on your way to the beach!</p>
<p>When I was young the summer seemed to last a lot longer than it does now. Maybe it was our carefree attitudes where we crammed lots of activities into one day. We swam, water skied, and had endless games of Frisbee and flashlight tag, and those beach parties were second to none. Perhaps it’s me, but did this summer seem to be missing a month? Friends of mine up north are already dreading the end of summer. Stores have already put out their fall and early winter merchandise, and soon they will be experiencing “Tumbleweed Tuesday,” which is the day after Labor Day when it seems like summer came to a sudden stop and the merchants are desperately looking for those last customers seeking to stretch their summer vacation out a few more days. While my northern friends are starting to mourn the passing of summer, those of us living here feel like our summer with its fun activities is soon to get started. Think about it.</p>
<p>When we were under travel restrictions from Covid, many flocked to Florida in an attempt to move to a more desirable climate and lifestyle. Instead of people returning north for the summer they remained here with us. We may have social distanced, but we got creative and put together impromptu potluck dinners on our streets, and figured out how to enjoy each other’s company….from a distance of course. It was as if summer gained a few extra months. Then as life returned to normal many of our friends and neighbors resumed their trek north for the summer where the season was just kicking off, and we settled into the more quiet days of summer, which wasn’t such a bad alternative considering all our area has to offer. With boating, beaches, golf, tennis, pickleball, entertainment venues, waterfront shops, and restaurants why would anyone want to leave? Isn’t this what people are going north to enjoy and from what I hear, it was just as hot up there this summer! With even more activities planned by our local Chambers of Commerce, Country Clubs, and Charitable Organizations in the upcoming months, it seems like our summer may just be going into its second phase as there are a host of activities and events I’m looking forward to enjoying.</p>
<p>As for those who are returning now that summer is in their rearview mirror, I&#8217;m sure my music trivia teammates Greg and Toni could put together a playlist for you that would include “See you in September.” The great news is our summer is not over, and as a kid at heart who loves the excitement of summer, I couldn&#8217;t be happier.</p>
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		<title>Inspired By The Talent Around Us</title>
		<link>https://flwaterfrontliving.com/2022/08/inspired-by-the-talent-around-us</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Mon, 15 Aug 2022 20:57:14 +0000</pubDate>
				<category><![CDATA[Community Information]]></category>
		<category><![CDATA[Events & Activities]]></category>
		<category><![CDATA[alter eagles]]></category>
		<category><![CDATA[bluez rockerz]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[gary cardillo]]></category>
		<category><![CDATA[mike imbasciani]]></category>
		<category><![CDATA[music]]></category>
		<category><![CDATA[punta gorda]]></category>
		<category><![CDATA[things to do punta gorda]]></category>
		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=2800</guid>

					<description><![CDATA[I have often been amazed at the talent all around us, and if you&#8217;re like me, you often ask yourself, &#8220;How do they do it?&#8221; Sometimes those with these unique gifts make it look so easy we think, &#8220;I can do that.&#8221; I remember when the Beatles first came to the states and appeared on [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>I have often been amazed at the talent all around us, and if you&#8217;re like me, you often ask yourself, &#8220;How do they do it?&#8221; Sometimes those with these unique gifts make it look so easy we think, &#8220;I can do that.&#8221; I remember when the Beatles first came to the states and appeared on the Ed Sullivan Show. While many artists appeared years before the Beatles, they were credited with ushering in what is referred to as the “British Invasion.” There was something extraordinary about them that everyone wanted to emulate and ride their coattails to success, including us kids. I was in elementary school then, and my father thought it would be a grand idea for my brother and me to learn the accordion. So periodically, we would bring our accordions into school and play for our classmates.</p>
<p>Unfortunately for me, the Beatles, Rolling Stones, and Doors ruined my career on the accordion as my classmates didn&#8217;t want to hear me play &#8220;Fascination,&#8221; or &#8220;The Volga Boatman;&#8221; they wanted to hear &#8220;She Loves You,&#8221; &#8220;Satisfaction” or “Light My Fire.” Despite my father&#8217;s urgings, I quickly ditched the accordion for the more popular guitar and later got into a band. My father said I could take guitar lessons only if I continued with the accordion. I guess he wanted to carry on the rich musical tradition of his father, who attained fame as a composer of opera and was the voice coach of world-renowned opera singer Enrico Caruso. After a half dozen lessons, my accordion/guitar teacher said, &#8220;It is very apparent you are no longer practicing the accordion. What puzzles me is you can&#8217;t play &#8220;Little Brown Jug,&#8221; which I gave you to learn on the guitar, but somehow you can play “Light My Fire.” I knew I had reached my right of passage and was on a journey with my friends to a musical career as a rock and roll band guitarist. My bandmates and I thought fame and fortune were just around the corner, as we could now tell our classmates we were in a rock n roll band called “The Illusion.” I never realized how fitting that name was until my father, after hearing one of our band practices in our basement, came down and said, “If my father was still alive and heard this trash you call music, he would destroy the instruments.” I guess it was an illusion; we just didn&#8217;t realize it at the time. For someone like myself who was pretty much self-taught how to play the guitar, I compare myself to some musicians today who are self-taught and think, “I would have been better off picking up a rake.</p>
<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/760c8c48-0c33-41f0-be7f-25c67dd269bf.jpg?rdr=true" width="228" height="95" />To me, nothing sings more to my soul than music from those British Invasion years and the groups who followed them. However, when I hear some bands cover these songs, I want to listen to them played like the original artists who recorded them. Perhaps I have some of my father in me, as he wasn’t so interested in hearing the interpretation as much as how the song was originally performed. Don&#8217;t get me wrong; many artists have done excellent jobs covering songs written and performed by the original artist. Still, when it comes to rock and roll, I love to hear it performed as close to how it was originally written. Two groups come to mind where the members were self-taught on several instruments or took their skills to a higher level that went well beyond the lessons learned. They are “The Alter Eagles” and “Mike Imbasciani and his Bluez Rockerz.”</p>
<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/0b623ca8-346c-4aef-8b02-c016370234e5.jpg?rdr=true" width="257" height="193" />I’ve followed Mike since he was a solo act and so young they had to pass around a hat for people to tip him for his performance. Over the years, this guitar virtuoso astounds me each time I see him. Talented and highly personable, I find it amazing that he can play lead guitar solo riffs without missing a note, all while walking through the crowd and periodically stopping to engage people in the audience in a short conversation. Most people haven&#8217;t mastered the art of walking and chewing gum at the same time, yet Mike can hold a conversation with you while entertaining the rest of the audience. And if you have enjoyed the music of Eric Clapton over the years, Mike&#8217;s tribute to this famed artist takes you on a historical journey where he masterfully weaves the inspiring moments of Clapton’s career with the music of that time.</p>
<p><img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/256f686f-2428-4991-8816-8d6a1b25d909.jpg?rdr=true" width="256" height="256" />Over the years, I’ve learned the difference between a &#8220;cover band&#8221; and a &#8220;tribute band,&#8221; The Alter Eagles are a tribute band that vocally and instrumentally sound precisely like the original Eagles. Todd Pitts, the founder of the band, is self-taught on multiple instruments and has an exceptional vocal range. To read the bios of band members Todd McNamee, Ken Custalow, Tim McMaster, Guy Ruvolo, and Michael Beattie, you will quickly appreciate how they execute each song. Equally engaging and entertaining, I&#8217;m amazed at how not one but an entire group of individuals can come together with such precision yet make it look so easy and not just on their instruments. Guy slides over from his drums to keyboard, and guitarists Todd Pitts and Ken Custalow take turns putting aside their guitars to move on to the drums without missing a beat, leaving the audience astounded at the talent on display. I then think of my father&#8217;s comments and realize he wasn&#8217;t trying to discourage us but to let us know in his way that there is a great deal of passion and innate ability that create those pieces that move us, whether it is in the form of a painting, writing or song. I also realize that we are all born with unique gifts.</p>
<p>When asked how we can create the things we do, we often find ourselves at a loss for words in trying to explain what comes naturally to us but would be a challenge for others. I learned that lesson the hard way while building a deck with my son. While my father was not handy, somehow, I picked up an ability to see things and create them. Our son, who was helping me, asked, &#8220;Dad, how do you know how to do this? You make it look so easy?&#8221; I was at a loss for words and replied, “I don’t know, I just do.” Unfortunately for me, my wife was within close earshot of my response and, giving me &#8220;the look,&#8221; said, “That taught him absolutely nothing.” I then shared with him that there is often much thought before the project, making the result look more effortless. You have a mental image of how you want it to look, and then you mentally figure out how to accomplish it; almost like solving a puzzle in your mind.&#8221;<br />
Recently I read an interview of a musician commenting on Paul McCartney&#8217;s success as a composer. He said, &#8220;McCartney&#8217;s lack of formal training not only allowed him to think outside the box but also kept him delightfully unaware there was a box in the first place.&#8221;<br />
While I find music ignites the creativity in me, there are those among us whose special gift or vision inspires us and brings us a particular joy and satisfaction. Even if we can’t duplicate the works they have created, somehow our souls have been touched, and we gain the youthful desire to try. And that is what keeps us young in mind and spirit.</p>
<p>-Gary Cardillo</p>
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		<title>All Gave Some, Some Gave All</title>
		<link>https://flwaterfrontliving.com/2022/05/all-gave-some-some-gave-all</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Fri, 27 May 2022 14:32:09 +0000</pubDate>
				<category><![CDATA[Community Information]]></category>
		<category><![CDATA[charlotte county]]></category>
		<category><![CDATA[gary cardillo]]></category>
		<category><![CDATA[marilyn mooney]]></category>
		<category><![CDATA[memorial day]]></category>
		<category><![CDATA[military]]></category>
		<category><![CDATA[military heritage musuem]]></category>
		<category><![CDATA[punta gorda]]></category>
		<category><![CDATA[thank you]]></category>
		<category><![CDATA[things to do]]></category>
		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=2204</guid>

					<description><![CDATA[Some people can visit a cemetery and feel a special bond with loved ones who have passed. Others are terrified at the thought and equate it with the ghoulish night of Halloween, where evil spirits lurk. Then there are others who have turned the page and don&#8217;t see any point in visiting loved ones or [&#8230;]]]></description>
										<content:encoded><![CDATA[<div><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/ec51cbf1-5c04-4566-9b83-c98bc1d69766.jpg?rdr=true" width="264" height="175" />Some people can visit a cemetery and feel a special bond with loved ones who have passed. Others are terrified at the thought and equate it with the ghoulish night of Halloween, where evil spirits lurk. Then there are others who have turned the page and don&#8217;t see any point in visiting loved ones or friends who are no longer with them.</div>
<div>While visiting cemeteries is not something I frequently make a point of doing, when paying my respects to friends or family members I feel I have stepped into a history book of stories and intrigue most books can seldom capture. I feel that certain intimacy in one such cemetery, &#8220;Our Lady of the Isle Cemetery,&#8221; located on Shelter Island, N.Y. Few places have given me an inner peace than this small cemetery has to offer. Driving up the narrow tree-lined road, you come to an opening in the woods where stories of inventors, political figures, family members, friends, and veterans abound. Many I have known, primarily through my mom and dad, who lie there and are part of that unique history. I have stayed there for hours and relived childhood memories second to none and the people that made it so special. However, when visiting a cemetery of this size, you feel an intimacy or bond with those you have loved, particularly with those who have served.</div>
<div>One of the most memorable walks I&#8217;ve taken there has been on Veteran&#8217;s Day or Memorial Day, where small flags adorn the entire cemetery like a carpet of spring flowers, commemorating the service of our fallen or deceased veterans. It is inspiring to see just how many people who have had some connection to this quaint island have sacrificed so much for the freedoms we enjoy today. There are World War I and II veterans, those who fought in the Korean and Vietnam wars, and even a dear friend of ours whose son was disarming bombs in Afghanistan ahead of his platoon when he stepped on an IED and sacrificed his life to save the 20 members of his team. We all have stories like this of people we know who “gave all” for their country, and then we have others who &#8220;gave all&#8221; differently.</div>
<div><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/5ef29e5d-a10d-4f61-92f3-79c43e98aab4.jpg?rdr=true" width="283" height="204" />One of my first interviewees was Punta Gorda’s first female mayor, Marilyn Smith-Mooney. Formally from Long Island, New York, Marilyn lived a life of accomplishments that would have spanned at least two lifetimes. The first half of her life was in the private sector, focused primarily on architecture, interior design, and ownership and management of a commercial construction corporation. The latter half of her life centered around executive management team positions in human resources and corporate development. She was a pilot and an Amelia Earhart award recipient. She was a graduate of the Advanced Institute for Elected Municipal Officials, Leadership Charlotte, and Local Government Leadership Florida. For eight years, Marilyn served as executive director and vice-chair of the Tetrault Family Foundation. This private non-profit provided $30 million in funding and development of the 27-acre Peace River Botanical &amp; Sculpture Gardens, where breathtaking sculptures from artists worldwide are displayed among specimen floral fauna from the area.</div>
<div><img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/a7d43b6f-292f-410d-b898-2f766a90bb21.jpg?rdr=true" width="271" height="203" />She also obtained her Florida Supreme Court certification as a county mediator, which only scratches the surface of this talented woman’s accomplishments and awards. In 2017 Marilyn was honored with the award from the Punta Gorda Rotary for “Service Above Self,” acknowledging her work for so many non-profits and individuals &#8220;needing a caring heart.&#8221; However, one award Marilyn was most proud of was being the first recipient of the &#8220;Distinguished Civilian Award&#8221; from the Military Heritage Museum, which she received in August 2021.</div>
<div>As long as I knew Marilyn, she always had a special place in her heart for the military and those who served our country, and she wanted that history preserved for generations to come. She joined the Military Heritage Museum Board and became its president in 2007, holding the position for more than five years. She stayed on as a board member feeling “new blood, energy and ideas” were needed from leadership, but once again was recruited to serve as its president. Today the Military Heritage Museum is one of the most unique and awe-inspiring tributes to those who played such an essential role in preserving our country&#8217;s rich history.</div>
<div>
<div>Like many small towns throughout our country, there is a special bond and gratitude you feel when seeing someone who has served their country. Punta Gorda has that bond through the Military Heritage Museum, and the Veteran&#8217;s Memorial Wall found in Veteran&#8217;s Park within the city. With Memorial Day upon us, most associate it with the start of summer and the activities we&#8217;ve waited to enjoy all winter; however, as I&#8217;ve grown older, I&#8217;ve come to appreciate the service those have made to give us the freedom we have today. There is a military saying I came across, &#8220;All gave some, some gave all,&#8221; and while that may imply those that haven&#8217;t fought in wars &#8220;gave some,&#8221; Marilyn Smith-Mooney is a perfect example of someone who may not have marched off to war, but to me, she &#8220;gave all.&#8221; Thankfully, I&#8217;m fortunate to have had the opportunity to thank her for her &#8220;service&#8221; before she passed shortly after receiving her Distinguished Civilian Award from the Military Heritage Museum.</div>
<div>We send our best wishes to all for a happy, healthy, and memorable Memorial Day. To our Veterans, we thank you for your service.</div>
<div></div>
<div align="right">-Gary Cardillo</div>
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		<title>Real Estate Update: April 2022</title>
		<link>https://flwaterfrontliving.com/2022/04/real-estate-update-april-2022</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Wed, 20 Apr 2022 17:48:49 +0000</pubDate>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[charlotte county housing]]></category>
		<category><![CDATA[florida waterfront]]></category>
		<category><![CDATA[for sale]]></category>
		<category><![CDATA[gary cardillo]]></category>
		<category><![CDATA[local real estate]]></category>
		<category><![CDATA[punta gorda]]></category>
		<category><![CDATA[punta gorda real estate]]></category>
		<category><![CDATA[real estate news]]></category>
		<category><![CDATA[realtor]]></category>
		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=1902</guid>

					<description><![CDATA[Many people have asked me with the war going on in Ukraine, inflation and interest rates on the rise when do I see the market crashing or at the very least bursting. While no one has a crystal ball, we have several things going for us that I feel will enable Florida and our area specifically to [&#8230;]]]></description>
										<content:encoded><![CDATA[<div>Many people have asked me with the war going on in Ukraine, inflation and interest rates on the rise when do I see the market crashing or at the very least bursting.</div>
<div>While no one has a crystal ball, we have several things going for us that I feel will enable Florida and our area specifically to do better than most. Yes, the higher cost of living does affect the discretionary income for many, while higher interest rates will impact those when it comes to financing a home. However, Florida remains very attractive for its climate, its cost of living when compared to many northern states, and for the tax benefits to be enjoyed. In other words “weather, water, way of life!”</div>
<div>As I’ve mentioned many times before, ever since the onset of Covid, those moving from the north found they could work remotely and sold their homes at a much higher price than the homes they were purchasing in Florida. Most paid cash, while others only borrowed 50-60%. There were no sub-prime mortgages and over leveraging granted to buyers who, under normal circumstances, wouldn’t qualify for the loans they were seeking. From a lending point of view the banks were in much better position to sustain a real estate slow down knowing those that were approved for loans were well qualified and weren’t a great risk.</div>
<div>Port Charlotte and Punta Gorda specifically were considered the fastest growing areas in the country and compared to our surrounding counties, we were the “bargain” that attracted the growth. However, with that growth and low inventory levels sellers started taking full advantage of the “captive market” and property prices started to soar. Unfortunately, when prices start to take meteoric rises on properties that shouldn’t be rising to that level, that is when you can start to see some pull back. I base this more on buyer feedback than any prediction of a crash.</div>
<div>While Covid may still be a presence, I think more people feel they can cope with it better now than at the panic levels we have experienced the past few years. While the real estate market has become a 365 day a year business, we are starting to see some of our winter visitors heading back home to be with family for Easter. These may ease the “frenzy” a bit when it comes to bidding wars, but keep in mind a well-priced property doesn’t require a buyer to be present to submit an offer on a home, so I would still expect to see multiple offers on those properties.</div>
<div>So what do I see? I feel prices will remain high, but for those properties that are perceived as excessively priced, there will be price reductions as buyers are keeping an eye on those market rates and inflation. The result is they will hedge themselves a bit from going out on a limb and submitting an offer for a property that is perceived to be well over market value. Coupled with material costs to build or remodel, I feel the market will remain strong, but buyers will exhibit a bit more caution and make offers more in line for what they feel their total investment will be in a home, and not be as influenced by emotion as what we may have been experiencing.</div>
<div>Very few can argue that Florida affords one an incredible lifestyle, and that bodes well for our community. By comparison we are better poised for continued growth and with developers and national home builders still attracted to our area I think pricing, especially in the $250,000-600,000 will remain very competitive.</div>
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		<title>Easter, Where Hope Springs Eternal</title>
		<link>https://flwaterfrontliving.com/2022/04/easter-where-hope-springs-eternal</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Fri, 15 Apr 2022 18:26:10 +0000</pubDate>
				<category><![CDATA[Community Information]]></category>
		<category><![CDATA[buying real estate]]></category>
		<category><![CDATA[easter]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[flwaterfront]]></category>
		<category><![CDATA[gary cardillo]]></category>
		<category><![CDATA[listing agent]]></category>
		<category><![CDATA[meaning of easter]]></category>
		<category><![CDATA[pgrealtor]]></category>
		<category><![CDATA[port charlotte]]></category>
		<category><![CDATA[punta gorda]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[selling real estate]]></category>
		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=1885</guid>

					<description><![CDATA[If I had to summarize my outlook on life, I would have to say Alexander Pope’s &#8220;An Essay On Man” depicted it best when he wrote, “Hope springs eternal in the human breast.” Various interpretations characterize his words: &#8220;People will always be optimistic and think something better is coming.&#8221; That certainly describes me! I&#8217;ve often [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>If I had to summarize my outlook on life, I would have to say Alexander Pope’s &#8220;An Essay On Man” depicted it best when he wrote, “Hope springs eternal in the human breast.” Various interpretations characterize his words: &#8220;People will always be optimistic and think something better is coming.&#8221; That certainly describes me!</p>
<p>I&#8217;ve often thought, &#8220;Is it the child in me who wants to see life through rose-colored glasses, or is it my desire to see the best in people and what life offers?&#8221; I sense I&#8217;m not the only one as I find many who I meet are on the same path as me, looking for those little nuggets along our life’s journey that bring us joy. When you think about it, every month of the year has that little “treat” we refer to as a holiday we celebrate with great anticipation. However, when you look into the history of many of these holidays, their origins are vastly different than how we celebrate them today. We have molded them into a day that makes us feel good and gives us that renewed &#8220;optimism.&#8221; Think about it. January starts our new year, a clean slate, if you will. Some people look at it as a start of a better year than the previous one. New resolutions are made, and who cares if they are broken a few weeks later, we feel like we got a fresh start. February brings us Valentine&#8217;s Day, and who would think we somehow could turn a day honoring 2 Christian martyrs into a romantic day for lovers. March amazes me as St. Patrick would never have deemed people from all walks of life and races would claim their Irish heritage and celebrate it until all hours of the night. Somewhere along the way, the fact that it was to celebrate the arrival of Christianity into Ireland got lost between the corned beef, Irish soda bread, and another round of beer. May brings us spring flowers, Cinco de Mayo, and a day to honor our Mothers. While I understood the significance of Mother&#8217;s Day and spring flowers, can someone explain how a kid from New York interprets a day when Mexico celebrates its victory over the French Empire in The Battle of Puebla, known as Cinco de Mayo,” as one he should commemerate as well? June was one of my favorite months as it was not only the month of my birthday but Father’s Day and the start of another great summer. Soon to follow was the 4th of July, and all we could think of were those great summertime barbeques and firework displays and not so much as those who gave of themselves fighting for our independence. While August didn&#8217;t have any particular holiday we looked forward to, it was the last month of a summer that was in full swing.<img loading="lazy" decoding="async" class="alignleft" src="https://files.constantcontact.com/6635cabb301/f219e1de-ad99-457e-ada4-087f46fc23da.jpg?rdr=true" width="205" height="272" /> Then came Labor Day, and once again, we somehow interpreted this day that originated as an observance of the labor unions contributions to the U.S. economy, as almost a weekend of rest and one final celebration before heading back to the drudgery of another school year. If you were like me, I bet you couldn&#8217;t wait for Halloween to arrive, and whoever would have thought we could have turned a day of observance for the deceased, martyrs, and saints into a night of ghoulish activities, costumes, and shopping bags full of candy! November brought Thanksgiving, which not only was the beginning of the holiday season but seemed to make us a bit more appreciative of the things for which to be grateful. There was a desire to savor the day in the company of family and friends, and it was perhaps one of the few holidays that genuinely made us reflect on the significance of that day. Then came Christmas for those of the Christian faith, and like most kids, it was a day we looked forward to since the end of summer. While it was supposed to signify the birth of Jesus Christ and God&#8217;s plan to bring salvation to the world, somehow, our focus was more about the gifts we showered on each other, and the Christ child in a manger got hidden behind that new bicycle and the mountain of toys.</p>
<p><img loading="lazy" decoding="async" class="alignright" src="https://files.constantcontact.com/6635cabb301/4099dc78-ffd2-4ff1-8c3a-a36e57d98b2a.png?rdr=true" width="167" height="167" />I bet you think I forgot about April, didn&#8217;t you? For many, it represents the month that &#8220;God giveth and the taxman taketh away.” Perhaps Easter is God&#8217;s way of helping us endure that pain; however, Easter represents much more to me. The beginning of spring was starting to bloom. The air seemed fresher, and everything seemed to come back to life. As a child, my early recollections were of an Easter Bunny delivering a brightly colored basket full of jelly beans, a chocolate cross and rabbit, and a stuffed baby duckling, all nestled on a bed of colored cellophane grass. But, of course, no Easter would be complete without the dying of eggs and the Easter egg hunt that soon followed. As I got older, I thought, what sense did all of this make. Easter is supposed to be a celebration of the risen Christ and the hope of many for eternal life, and somehow we have a rabbit delivering colored eggs and candy. Did someone tell the rabbit he walked onto the wrong movie set?</p>
<p>I was relieved to find, according to Time, this &#8220;egg-laying hare&#8221; stems from a pagan tradition known as the Festival of Eostre, which honored the goddess of fertility and spring. It is said the goddess&#8217;s animal symbol was the rabbit, which stood for high fertility and reproduction rates. If you live in my community you will see first-hand the rabbits have successfully continued this time-honored tradition! However, in the 1700&#8217;s, German Immigrants coming to Pennsylvania brought this tradition of &#8220;Osterhase” or “Oschter Haws,&#8221; an egg-laying hare that would lay colorful eggs and give them to good children. I can’t tell you my relief as I must have been one of the good ones, or of mistaken identity, as I always awakened to a big Easter basket full of every sugar-filled treat known to man!</p>
<div>So what does Easter mean to me? Unlike most holidays steep in tradition, I always felt it was the start of something extraordinary inside me and the world around me. Everything seemed new and fresh; it was almost as if life was just beginning. As I&#8217;ve grown older, it has taken on a different perspective as chocolate bunnies and colored eggs have given way to more of a reflective period. Easter has almost become a better time to make those resolutions in bettering ourselves and sharing our gifts with others. I’ve often wondered if we make our New Year’s resolutions at the beginning of each year as something genuinely positive to look forward to, or is it our feeble attempt to distract us from the suffering of those long, harsh winters? After all, how many of those good intentions become just that after only a few short weeks? Yes, guilty as charged! For those who share the Christian faith, Christ&#8217;s death and resurrection was that opportunity to bury the old negative thoughts and way of life in exchange for a better, more rewarding eternal life. One in which we could find total enjoyment in the simple pleasures life had to offer without trying to create distractions to get us through each day. This is, to me, the actual &#8220;Hope Eternal,&#8221; as Easter has brought me a renewed appreciation for the things I have, the friends that surround me, and the hope of a better world to come.</div>
<div></div>
<div>My hope is this Easter season brings the same joy to you.</div>
<div align="right">-Gary Cardillo</div>
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		<title>February 2022 Real Estate Update</title>
		<link>https://flwaterfrontliving.com/2022/02/february-2022-real-estate-update</link>
		
		<dc:creator><![CDATA[Gary Cardillo]]></dc:creator>
		<pubDate>Mon, 14 Feb 2022 23:35:01 +0000</pubDate>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Selling Real Estate]]></category>
		<category><![CDATA[2022 february real estate]]></category>
		<category><![CDATA[florida]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[punta gorda]]></category>
		<guid isPermaLink="false">https://flwaterfrontliving.com/?p=1745</guid>

					<description><![CDATA[Taking a quick peak at the real estate market, it is no secret the market remains very strong with buyers competing for limited inventory. Well priced properties continue to garner multiple offers however, there is a little bit of a change in the buyer’s thought process where they are now not making offers on properties [&#8230;]]]></description>
										<content:encoded><![CDATA[<div>Taking a quick peak at the real estate market, it is no secret the market remains very strong with buyers competing for limited inventory. Well priced properties continue to garner multiple offers however, there is a little bit of a change in the buyer’s thought process where they are now not making offers on properties well in excess of their perception of market value. In short, the days of paying whatever a seller wants I personally feel is winding down.</div>
<div>New construction has been an option for many willing to wait 18-24 months for a new home to be built however, builders are including escalation clauses in those contracts should there be a rise in material costs from when the contract was originally signed. Typically many builders will order materials after the permitting process which can take 3-4 months to approve. Once permitting has been approved, the builder will then order the materials. This is when the increase in price usually surfaces from the original estimate to build. Many builders will charge a fee or the buyer may lose their deposit should they cancel the purchase agreement at this time.</div>
<div>When it comes to new construction in many of the new communities being developed, the developer will release a small percentage of lots for bid. Sometimes there are upwards of over 100 people bidding for the lot which drives the lot up significantly. Then you have to go through the building process where there can be additional costs as material costs rise. All this being said, I am finding many people not wanting to go through the feeding frenzy created in this format and start reconsidering the purchase of an existing home knowing that it may not be ideal, and remodeling will have to be performed to get something closer to what they like.</div>
<div>The thing to keep in mind is you are coming to a beautiful state, and even a home that needs a little TLC will make you feel much better than sitting up north, cooped up for a significant period of time wishing the winter away.</div>
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