Not a day goes by when someone asks, “What’s going on with the real estate market?” I think everyone senses the market is off the pace of recent years when inventory was low, sellers could name their price, and concerns about rising taxes, interest rates and insurance premiums were not at the forefront of a buyer’s mind as they are today, and of course you can always factor in the upcoming election. Add the impact recent storms have had and the result is more inventory is coming on the market from those looking to relocate in addition to the uptick in listings we typically see this time of year when more sellers are looking to put their homes on the market in advance of the new season. From a buyer’s perspective, they are not only factoring in the projected costs related to taxes and insurance coverage, but the anticipated costs for remodeling that typically would be a cost a seller would not consider allowing for in the negotiation process. With more inventory coming on the market properties will stay on the market longer unless they are priced very competitively. For those whose streets and neighborhoods are showing the residual effects from these storms, they can either wait until their streets are in better condition with the hope they can list their homes closer to market averages, or they may need to price their homes more aggressively to overcome a buyer’s concern when seeing the potential storm affect that could impact them. However, with many areas recovering quickly and restaurants and businesses coming back on line, there is a community spirit that is contagious and could be a factor in making this a strong upcoming season
Life Lessons from the Storms We Endure
Throughout the years of writing these newsletters, I’ve often shared my love for the summer months and all the activities that occurred during that time of the year. While my father loved the fall, I wasn’t nearly as enamored with it as the fall brought to a close my favorite time of year and was the precursor to the harsh winter weather yet to come. Having moved to Florida twenty-five years ago from New York, I felt God gave me a reward to enjoy the season I loved most on a year-round basis. Like many, I envisioned myself boating, golfing, and going to the beach whenever I wanted. What better way to enjoy the quality of life I always dreamed of? As for hurricanes, what hurricanes? I encountered them before; how much worse could they be in Florida if we ever did get one?
It was September 2001, and we were in our home for a year when we encountered our first storm. Not having the sophisticated meteorologist and radar we have today, I noticed it was getting breezy and had no idea what was on its way. A friend of mine said, “Are you ready for Gabrielle?” I replied, “We never met; who is she?” Sensing my ignorance, my friend replied, “Get ready; you’ll meet her in a few hours.” Little did I realize I would be trading in hors d’oeuvres for hours trying to lower the Bahama shutters we had. That was nature’s way of spoon-feeding me the storms that were yet to come.
Having lived on the water most of my life, I vividly recollect Hurricanes Agnes and Gloria years later impacting Long Island, where yachts of all sizes were strewn over the island beaches. While it was a very sobering reminder of man’s weakness in contrast to nature’s strength, those experiences paled by comparison to the destructive forces we’ve encountered since moving to Florida 25 years ago.
It seems like yesterday when Hurricane Charlie impacted our area, and we stood in disbelief, seeing many of our homes and communities lying in ruin. I initially thought this was something we were only supposed to see on TV, not experience first-hand, as camera crews, National Guard troops, Florida’s Governor Jeb Bush, and other responders descended on our area. It was also our first encounter with the Weather Channel’s Jim Cantore, who, after all these years of visits to our area, may want to consider a permanent residence! Perhaps it is like a boxer getting a punch that sends him to the canvas but has the heart and desire to pick himself back up to continue the fight, and that is what we did.
Since then, we have encountered a host of other hurricanes and tropical storms, including the recent back-to-back hurricanes of Helene and Milton, and through it all, I am overwhelmed by the resiliency of our community, our neighbors, and our restaurant and store owners who have picked up the pieces and are forging ahead.
I have found that through these storms, there are many life lessons to be learned. Unfortunately, there will always be those who plan for Armageddon and clear out store shelves of the basic necessities or take enough gas to get them to the moon and back, never considering the needs of others. For most of us, they are a sobering reminder of what is important in life. We have built stronger bonds with friends, neighbors, and loved ones in their time of need. We’ve given our time and treasures to help our communities recover and supported the local businesses that have served us so well throughout the years. There was never a thought of repayment for our efforts, we were in this together.
We all get wrapped up in our day-to-day lives where we count on tomorrow to get together with friends or make the call that is long overdue. I’m as guilty as it seems, like years pass like months and weeks pass like days, only to have these storms put life in a different perspective. My most vivid reminder of the importance of our relationships was during Hurricane Charlie. Since we were all without power, we came out of our homes seeking relief from the heat and humidity inside and found ourselves catching up with friends and neighbors for the first time in months. Unfortunately, once power was restored, we returned to our homes and resumed our way of life, where we offered a simple wave as we passed.
Some may feel it is time to turn the page and start a new chapter in their lives where these storms no longer take a physical and emotional toll on them, while others feel the quality of life Florida affords more than offsets the infrequent storms that impact our areas. To me, the lessons are learned from the pause we are forced to take during our efforts to recover.
We often think of Thanksgiving and the holidays that follow as the time of year to give thanks for the blessings we’ve received. It is also the start of a season that beckons us to be more compassionate and giving to our loved ones. While the holidays are full of promise and merriment, the storms we endure create lasting bonds, almost like those that have served together in war. We set aside our differences and give of ourselves in service to others. Isn’t that what a life well lived is supposed to be about? Unfortunately, sometimes it takes a storm to get us back on track and bring out the best in us.
While the aftermath of these storms has left many of our streets looking like Spooky Walks littered with debris and ghost-like ships that occupy some of our area parks, the appearance of Halloween costumes and soon-to-be Christmas decorations are our reminder of the enjoyment we receive from these simple pleasures life affords us. However, our recovery together, especially this year, has created a more robust community bond far more valuable than anything we could have imagined.
-Gary Cardillo
Q: How has this new “anti-trust suit” in Missouri impacted the way agents work with buyers and sellers?
A: For as long as most can remember, seller’s paid a commission to the listing agent, and that agent would then split the commission with the buyer’s agent, also known as the “selling agent.” With the decision that came down as a result of this lawsuit, commissions can no longer be posted on an MLS sheet for the buyer’s agent to view. That agent must now reach out to the listing agent to see if a commission to the buyer’s agent is going to be paid from the seller’s agent’s total commission, or from the seller him or herself. Any buyer wanting to view a home, must now sign a brokerage relationship disclosure by law with a buyer’s agent, or agent working in that capacity, prior to showing any property. That document will outline the commission the buyer’s agent is to receive and the length of time that representation is to last. In a rare case, if a seller decides he or she wants the buyer to pay his or her agent’s commission, then that brokerage relationship disclosure the buyer signed will come into play with the buyer having the responsibility to pay the commission.
I’ve often used the analogy of buying a car. You either get the discount off your trade-in or off the sticker price, but not both. Essentially you have two different paths to arrive at the same number and this is no different. Virtually all the sellers we know are looking to keep the terms as they have been, as a seller’s expense. The thought is it will increase the size of the number of agents who want to show their property. However, as we’ve shared with our sellers, should they decide they want the buyer to pay the commission, just like every other consideration the buyer is taking into account when making an offer on a property, that commission will now be factored in as well. The result could be an offer that is significantly lower than the commission percentage the buyer will now have to factor in. In short, while there is an extra step that may be involved for a buyer’s agent, we are seeing things pretty much remaining the same.
A Life Well Lived
We often measure one’s success in life by the wealth they’ve accumulated or the position they held on the corporate ladder. We’ve come to idolize sports and entertainment figures, or those we feel can benefit us as we try to attain success. But is that really the meaning of a “life well lived?” To some, it may be.
Maybe it was during the sweet innocence of my childhood when we were aware of some of the positions or wealth those around us had, but for some reason, we saw them as peers or equals. We didn’t judge them on their financial statements; we just knew them as friends.
Summers were always the time of year I looked most forward to. We water-skied, swam, went to the beach, played golf, camped out, played hours of flashlight tag, and even snuck out at night just to talk about our day even more. As I’ve grown older, I think of those fond memories, but I realize even more that it was the close friends I had who made those moments in time so special.
Moving to Florida has been a continuation of those special friendships and moments similar to the enjoyment of those early childhood years. While some activities have changed, the spirited banter has remained the same. One couple who have become our close friends are Greg and Toni White. Both had very successful corporate positions, but like those I grew up with, they were more interested in celebrating their friendships than talking about their accomplishments. While very talented, the contagiousness of their personalities appeals to so many, but it doesn’t end there.
Several years ago, Toni approached me to help her find a home for her mother, Lin, a widow living in California. While she loved her life in California, Toni felt that her mom was getting older, and it made more sense to have her move closer to her. She quickly became part of a group of friends we met at St. Andrew’s South Golf Club, a course in the heart of the waterfront community of Punta Gorda Isles. Unlike most women her age, Lin, or as many of her close friends who affectionately called her “Mumsie,” became part of the gang and attended most of the club’s social events.
Linda Warwick was born in 1934 and grew up in the east end of London, living with her grandparents, parents, and three uncles in a small home. The east end of London was where the docks were located, and the River Thames ran behind their house. As a young child, factories were turning into munitions plants before her eyes, and a few short years later, the U.K. entered the war. It would be hard for anyone at five or six years of age living in the United States to appreciate the ravages of war. Still, with London being one of the largest cities in the world at that time and home to the British Empire, it became a vital target of the German Wehrmact, (armed forces). On September 7, 1940, later known as “Black Sunday,” the Germans unleashed their fury in a blitzkrieg (lightning war) with 300 bombers targeting London in the first of 57 consecutive nights that continued for the next eight months. Forced to find shelter any way they could, homes in their community were being destroyed, and with the continuous sound of gunfire and sirens echoing in their ears, it was a sobering reminder that their home could be next. Like so many others, they became “evacuees” and retreated to the safety of the countryside, having to, at times, share a home with other displaced families. While it appeared to offer a safer environment, they could see the glowing fires from the bombing raids in the various towns and cities from afar.
As a young child, she experienced the worst and best life had to offer. Despite the war’s displacement and hardship on her family, Linda recalled those beautiful memories of taking walks in the countryside. She will never forget the day the King and Queen of England came to the area they were living in to show empathy as Buckingham Palace had also been bombed.
Throughout this time, Linda’s father worked as a fireman in London and occasionally would get leave to visit his family. She said he worked long hours in the east end of London, called “Mile End.” Eventually, he was offered a dilapidated house next to a factory, and while there were only three remaining homes on the street, the rest being destroyed from the continual bombing, they were thrilled to be back together under one roof. With the bombing subsiding as the focal point of the war moved away from the city, Linda and her new friends returned to school and recalled the kindness of the teachers who would give up their free time to take the children on hikes or create some diversion to take their minds off the war, which was never far away and often sent them to air raid shelters. Teachers were called into service, and Linda recalled that 25 children from her school were killed during that time.
With the German front moving to the desert and Russia, curfews were being lifted, and the children were allowed to stay out and play for extended periods of time. A community pool was reopened, and Linda’s school was due to go the following day when the wailing sounds of an air raid siren sent Linda and her family scrambling through the adjoining factory for safety as the sound of bombs could be heard all around. Once the attack subsided, her dad went out to check the destruction only to come back a short while later saying their family home had been destroyed; in fact, most of the remaining homes in the community lay in ruins.
Despite the heartache of war, Linda recalls those special moments during the war when friends, relatives, and teachers would give of themselves to make sure the children were spared as much of the horrors of the war as possible. Later on in life, Linda would reflect on how resilient, tenacious, and determined they were not only to survive but to restore their country to its glory once again.
After graduating high school, Linda became a library assistant at the University of London. She then eventually moved to Canada, where she and her husband were married in Toronto in 1954. They moved to the United States in 1963, where Linda worked as a secretary, and Ron accepted a job as a sound engineer, which he enjoyed for almost 30 years. After Ron’s passing, Linda’s daughter Toni suggested Linda move closer to where she lived, as her brother was also living in Florida.
It’s hard to imagine the scars of war, but like service members who have fought together or those who have come from the oppression of their homelands, they have a greater appreciation for the simple things we take for granted. Linda was one of those people, and her biggest fear, she shared with her daughter, was not the move but whether she was going to be able to make new friends.
Years ago, I had a middle school teacher tell our class how fortunate we would be if we could count on one hand the number of close friends we had. As Lin was approaching her 90th birthday on July 25th, Toni and her husband Greg were planning a surprise birthday party for her at a local restaurant, to which almost 100 of her closest friends were invited. Unfortunately, five days prior to her celebrated day, she passed away.
To some, this would be a sad way to end such a story, but like many things in life, lessons are learned from our most difficult experiences. Lin’s story doesn’t end with her passing, but the 90th birthday surprise that became her Celebration of Life, where stories were shared by so many whose lives were impacted by her. The story best told was by her daughter Toni, who recalled having past boyfriends show up unannounced at their home when she was getting ready to go out on a date. When asked what they were doing there, they would reply, “We didn’t come to see you; we came to see your mother!”
Like so many others, we will miss her contagious smile, the kind words she had for others, and seeing her at many social events at the club. She made the most of her friendships and earned the love of many. Lin is a reminder of what is essential in life and what a “life well lived” really means. It’s not about who has the most toys that wins; it is the impact one’s life has on others. In this challenging world in which we live today, Lin was the sugar that made each day a bit sweeter.
-Gary Cardillo
Embracing Father’s Day
What first thought comes to mind when you think of Mother’s Day or Father’s Day? Is it a special day when we take time to celebrate ourselves as parents to our children, or is it something much more? It wasn’t until a recent comment our son, Tyler, made to me the other day about his desire to help coach kids in his spare time that I realized these special days aren’t meant to recognize us as parents to our children.
Tyler’s words resonated with me as I looked back at all the teams I coached and my interaction with his teammates. Many of his teams in those early years were young boys first getting acquainted with a sport; others had rosters consisting of both boys and girls. I shared with them my feelings that playing a sport was more than a game and that it provided so many lessons that would benefit them throughout life. They would learn how to compete individually and as a team member and how those lessons learned could transfer to their academic and career goals of accomplishment. It was also a life lesson for me, as some of the children I coached didn’t come from the stable family environment in which I grew up. For some, this was their only outlet of enjoyment away from the trials of home. Others were only playing to please a parent who wanted to relive their playing days where their memories of their athletic prowess may have convinced them they were much more talented than they were. I vividly recall one young boy who couldn’t make any baseball practices because he came from a single-parent home, and his mother had to work two jobs to make ends meet. On the day of our baseball game, I had him in the lineup, and his teammates couldn’t understand why I would allow him to play at a critical point when he didn’t come to practice. I shared with them that not everyone was as fortunate as them, and there may be a time in their lives when they, too, may not be qualified to make the team or get the job they wanted, but they did because someone was willing to give them a chance.
One experience I still hold dear to this day was of a young elementary school boy who had a daily history of getting into schoolyard fights and disrupting his classmates. My major was Psychology, and one of my Behavioral Psychology course requirements was to mentor a child outside of our college campus setting. Visiting my old elementary school, the principal told me they had a child who was not responding to his teachers and was rebellious at home. My first meeting with “Bobby” was as advertised as he proudly talked about his fights on the school grounds and showed little interest in anything else. Through our interactions, I found that Bobby couldn’t read, at least not very well, and it wasn’t until I taught him how to read that I realized that his aggression was compensated for his academic lack of confidence. Soon, he brought me books he was reading and would proudly tell me he was no longer fighting. He even broke up a couple of fights. I couldn’t have been more proud of him.
Some measure success in the goals they achieve for themselves or the financial status they have gained, but as I’ve grown older, the most significant rewards are not the things we necessarily do for ourselves but what we do that inspires others. To me, Mother’s Day or Father’s Day is as much for foster parents as it is for those willing to unselfishly give of themselves to mentor others, making them every bit fitting to be considered surrogate “Mothers” or “Fathers.”
The magical memories I had in coaching our son and his teammates will last me a lifetime, but it wasn’t until Tyler expressed his desire to help others through coaching and mentoring that I felt I succeeded as a dad.
-Gary Cardillo
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While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.