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The Gift that Keeps on Giving

December 22, 2021 by Gary Cardillo

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

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

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

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

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

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

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

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

We Are One

November 25, 2021 by Gary Cardillo

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

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

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

August 20, 2021 by Gary Cardillo

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

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

Luck, Not only for the Irish

March 7, 2021 by Gary Cardillo

Do you ever find yourself looking forward to that “holiday” of the month with the same anticipation you did as a kid? For me, I think of those special days almost as the dessert after a wonderful home-cooked meal. When I think of those days I find they mean the same to me today as they did when I was a child, and perhaps are the only traditions that haven’t changed throughout the years. I think of the fun we had on Halloween trick or treating in our costumes, Thanksgiving where we played touch football games before gorging ourselves on turkey and all the side dishes until we couldn’t move, and what more needs to be said about the excitement of the holiday season and New Year! While each month brings us a unique joy in its own way, the ones I find that make us all seem to laugh and take life a little less seriously are St. Patrick’s Day and Cinco de Mayo. It doesn’t matter the color of your skin, your religion, ethnic background, or political beliefs, on those days we proudly celebrate with revelry as if that was part of our ancestry.

Recently we had dinner with a couple who introduced Gail and me on a blind date 35 years ago. They are from New York where the husband has had a jewelry business in the heart of New York’s Diamond District for many years. We were dining outside in St. Armand’s Circle in Sarasota and this couple was looking around like two kids entering Disney World, amazed at the number of people out and about enjoying the shops, restaurants, and beautiful evening weather. They had been to Florida many times before but this time was extra special as New York has been shut down to a large degree, and according to the husband, New York City has become a ghost town of sorts with rising crime rates and the closure of many businesses. However, despite the depressing news from New York, our conversations are always full of laughter as the husband has an uncanny sense of humor and like most wives, she just rolls her eyes.

While many have grown depressed being quarantined in their homes for months up north, the husband has maintained his sense of humor. He said, “You try to get creative, and when weather permits, you try to make the most of your time outdoors.” Being an avid tennis player who also enjoys the game of golf I asked, what other things he had tried. He replied, “Skeet shooting.” Detecting the puzzled look on my face he said, “I thought I’d give it a try….As a Jew we don’t hunt, we order in, but I figured it was something new and different. Unfortunately, birds were dropping from the trees and a plane fell out of the sky, but while I seemed to hit everything else, I couldn’t hit those clay pigeons.” I was so glad he hadn’t lost his sense of humor!
He continued by saying, “You guys don’t realize how lucky you are to live in Florida,” and for a couple who at first was very critical of our Governor opening up the state for business and schools the way he did, he said it is no wonder our Governor is the top real estate agent in New York as he is single-handedly spearheading the mass exodus out of the state.”
I found it amazing to see the change in perspective as years ago Florida was only seen as a place to retire, and now couples like our friends are giving serious consideration to possibly making the move themselves in the not too distant future, which we couldn’t be happier if they did. What I also found interesting is most of the husband’s Florida clients are in the Palm Beach area, which years ago seemed like the place they would eventually relocate, however, they shared with us how they wanted to get away from the stress, congestion, and the “personalities” they deal with daily and are finding southwest Florida provides everything they could want. I have to agree as I still find myself wondering in amazement that we live in a place people come to vacation.
As we were leaving the husband said, “Don’t forget St. Patrick’s Day is coming up.” I replied, “What side of your Jewish heritage emigrated from Ireland?” He replied, “I think it was the dog, but the only thing you need to remember is no one makes a better corned beef sandwich than a kosher deli.” As we walked away at the end of another perfect day, I had to admit he wasn’t wrong.
-Gary Cardillo

Filed Under: Community Information Tagged With: agent, florida, gary cardillo, humor, newsletter, punta gorda, realtor, st patricks day, waterfront

“How can I get the seller to accept MY offer?”, buyers wonder in today’s heated, multiple-offer market

February 26, 2021 by Gary Cardillo

In some areas of the country, “love letters” – a note from buyer to seller praising the home – are common. But some of the letters may flirt with Fair Housing Act violations.
The National Association of Realtors® (NAR) Conference and Expo was held virtually in 2020, and many of the sessions involved discussions about buyer “love letters.”
For those who aren’t aware of what I am referring to, “love letters” are written statements that accompany a potential buyer’s offer. While these types of letters are not in and of themselves illegal, it’s important to note that if done without careful consideration, it could end up being a Fair Housing Act (FHA) violation.
How is this a possibility? Let’s examine a couple of examples of “love letters” – one that could be problematic with one that likely isn’t.
Example 1: A buyer drafts a love letter that includes how excited the buyer is to raise a family in the home. They can’t wait to see future children excitedly running down the stairs on Christmas morning.
Sounds harmless enough, doesn’t it? However, this buyer’s letter touches on two protected classes under the FHA: familial status and religion. Should a seller take these factors into account in arriving at a determination to accept the buyer’s offer, it could be a fair housing violation.
Example 2: A buyer drafts a love letter that discusses the buyer’s love of the homes’ architectural features and the buyer’s appreciation of the various details of the home’s construction.
Here, as the buyer solely focused on the property’s characteristics, none of which fall under a protected class, it’s likely not a fair housing violation.
As agents, it’s important to remind consumers about fair housing issues if you see a potential problem on the horizon. While no agent is expected to explain the legal nuances of the Fair Housing Act, it may be wise to suggest a buyer or seller consult their personal attorney if either of the respective parties veer into potential FHA violation territory.
Recently, I personally had a family with two young girls that were very excited about purchasing a home they had seen but knew the market was very strong and were afraid they would be outbid. Their daughters Lily and Hailey, sensing the seller could sell the home to someone else asked if they could write letters to be sent along with their parent’s offer. Little did these girls know the letters they wrote were compliant with the National Association of Realtor compliance guidelines, but they brought tears to the seller who accepted their parents offer.

Filed Under: Buying Real Estate Tagged With: buyers letters, florida, gary cardillo, hot market, punta gorda, real estate, sellingfast, waterfront

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