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<channel><title><![CDATA[JULIE GARDNER - BLOG]]></title><link><![CDATA[https://www.juliegardner.com/blog]]></link><description><![CDATA[BLOG]]></description><pubDate>Thu, 08 Oct 2026 15:02:59 -0700</pubDate><generator>Weebly</generator><item><title><![CDATA[Keeping it Real!]]></title><link><![CDATA[https://www.juliegardner.com/blog/keeping-it-real3921755]]></link><comments><![CDATA[https://www.juliegardner.com/blog/keeping-it-real3921755#comments]]></comments><pubDate>Fri, 09 Oct 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/keeping-it-real3921755</guid><description><![CDATA[In a world where our duly-elected leaders default to "fake news" whenever the facts don't align with their particular rendition of events, the concept of an agreed-upon set of truths seems to have left the room. ("Alternative facts" being the phrase Kellyanne Conway famously coined during her tenure as Trump's spokesperson.) Per Merriam-Webster's dictionary: "A fact is something that actually exists, happens, or can be proven true by direct observation, experience, or verifiable evidence."In oth [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;">In a world where our duly-elected leaders default to <span style="font-weight:bold">"fake news" </span>whenever the facts don't align with their particular rendition of events, <span style="font-weight:bold">the concept of an agreed-upon set of truths seems to have left the room.</span> <span><em>("Alternative facts" being the phrase Kellyanne Conway famously coined during her tenure as Trump's spokesperson.)</em> </span><br /><br />Per Merriam-Webster's dictionary: <span style="font-weight:bold">"A fact is something that actually exists, happens, or can be proven true by direct observation, experience, or verifiable evidence."</span><br /><br />In other words, <span style="font-weight:bold">"alternative facts" aren't facts; they're fabrications.</span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">I'm reminded how important "facts" are whenever I read through Seller disclosures.</span> Disclosures are the documents that spell out whether the ADU is legal, if the home improvements were permitted, if water has ever seeped into the structure, how old the roof is, if active knob &amp; tube remain, and if there's been a death on the premises in the past three years . . . among many other outstanding questions. <span style="font-weight:bold">FULL DISCLOSURE is critically important in a market where Buyers routinely write "non-contingent," offers, foregoing their due diligence.</span> <em><span>(BTW - Buyer waivers don't stop these same Buyers from suing if new discovery is found AFTER the close of escrow.)</span></em><br /><br /><span style="font-weight:bold">Here's where things can get muddy.</span><br /><br /><span style="font-weight:bold">Memory is a fungible characteristic that's prone to manipulation and reinvention,</span> and <span style="font-weight:bold">some Sellers tend to cushion, or worse yet, cover up past imperfections regarding their homes</span>, believing they shouldn't point out ANY problems. <em><span>(The truth almost always comes out.)</span></em> Moreover, the longer people have lived in a home, the less inclined they are to track it, <span style="font-weight:bold">having become accustomed to leaking pipes or swollen doors </span>as part and parcel of their daily lives.<span style="font-weight:bold"> </span><em><span>(That's what hips are for.)</span></em><br /><br /><span style="font-weight:bold">While it's easy to understand why Sellers prefer to gloss over certain less complimentary aspects of their properties </span>&mdash; especially if they've learned to live with, or no longer notice, rotting decks, settlement in the floors, or leaning fences &mdash; once Sarah and I explain that the <span style="font-weight:bold">disclosures, </span>as well as the inspections, <span style="font-weight:bold">are designed to be a layer of protection for the Sellers,</span> the real story often emerges . . . .<br /><br /><span style="font-weight:bold">"Do I need to mention that we had rodents in the attic several years ago?" </span><em><span>(Yes, you do.)</span></em><br /><br /><span>"</span><span style="font-weight:bold">What about the flood caused by the upstairs toilet? </span><em><span>(Certainly.)</span></em><br /><br /><span style="font-weight:bold">"Should we mention our neighbor's garage band? </span><span><em>(Absolutely.)</em> </span><br /><br /><span style="font-weight:bold">Such off-handed comments are why we prefer to sit down with our Sellers to review their disclosures in minute detail.</span> Not only does it help Sellers to clarify fuzzy memories, it better informs their Realtors&reg; about the property's attributes and challenges. <span style="font-weight:bold">While no one expects perfect recall when it comes to disclosures, people are entitled to honesty. </span><em><span>(Unfortunately, honesty also seems to be a fungible concept).</span></em><br /><br /><span style="font-weight:bold">AND because your average Seller or Buyer ISN'T an inspector, engineer, or architect</span> <em><span>(unless their profession IS inspector, engineer or architect),</span></em><span style="font-weight:bold"> it's important to understand that Seller Disclosures </span>don't take the place of a home, pest, roof, or structural inspection <em><span>(where we assume the inspectors have expert knowledge that can be relied upon),</span> </em>but do<span style="font-weight:bold"> provide knowledge that only the Sellers might be privy to. </span><em><span>("These windows, when opened with that door, can create a wind tunnel in the home. . . ") </span></em><span style="font-weight:bold">Fair enough.</span><br /><br /><span style="font-weight:bold">Together, Seller Disclosures, along with the requisite inspections, are meant to inform the buying public about such peccadillos, as well as any "material facts" </span>that may or may not meet the eye. <em><span>("Material facts" can be anything that once discovered, might change the opinion of the prospective Buyers.) </span></em><span style="font-weight:bold">As such, it's in a Seller's best interest to disclose EVERYTHING they know to be true about a property and neighborhood,</span> if only to shield them from accusations and lawsuits after the fact.<br /><br />But here's the good news: disclosures are limited to what the Homeowners actually know. <span style="font-weight:bold">If you don't know, or aren't aware of certain aspects about the property, you're not expected to "guess." </span>However, if water showed up in the crawl space five years ago during an "atmospheric river," you need to plainly make it known. If there was a fire in the attic, persistent drips to the windows, backed up sewer lines, or a leak in the roof, <span style="font-weight:bold">accurately disclose when and where. </span>Even better, if you took steps to address any such defects, <strong>this is your opportunity to spell out the subsequent repairs, and how these issue perform now.</strong><br /><br /><span style="font-weight:bold">Avoid the desire to embellish your answers by using words such as:</span><br /><br />"All"<br />"Every"<br />"Never"<br />"Entirely"<br />"Totally"<br /><br /><span style="font-weight:bold">Leave these definitive adjectives to the stylized speech of valley girls,</span> unless you've "totally replaced every window in the house, dude" Then you have my permission to say so.<br /><br /><span style="font-weight:bold">Finally, please check the "yes" box regarding your home's ongoing maintenance.</span> ALL homes require ongoing maintenance, including annual gutter cleaning, sprinkler adjustments, and tree trimming, just to name a few. <span style="font-weight:bold">Home chores are why weekends were created <em><strong>(although my husband would beg to differ.)</strong></em></span><br /><br />In short, <span style="font-weight:bold">selling your home isn't meant to be a top-secret affair; it's more often than not a public event, so disclose, Disclose, DISCLOSE, </span><em><span>(before your neighbors fill in the blanks &mdash; and make no mistake, they will).</span><span style="font-weight:bold"> </span></em>Remember that <span style="font-weight:bold">disclosures, </span>for better or worse,<span style="font-weight:bold"> are your opportunity to tell the WHOLE story of your home, </span>and believe me,<span style="font-weight:bold"> that's a story worth telling</span>.<br /><br /><span style="font-weight:bold">Just keep it real.</span><br /><br /><em><span>How can we help you? </span></em></div>]]></content:encoded></item><item><title><![CDATA[Knock, Knock]]></title><link><![CDATA[https://www.juliegardner.com/blog/knock-knock]]></link><comments><![CDATA[https://www.juliegardner.com/blog/knock-knock#comments]]></comments><pubDate>Fri, 02 Oct 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/knock-knock</guid><description><![CDATA["Is there glass under the paint," I said to the Seller, pointing to her front door. "Would you mind if we strip the panes to let in more light?""What about privacy?" she asked; "We're on a fairly busy street.""That's true," I said, "but the way you live in a home, and the way we present a house for sale are entirely different animals."What I didn't say is that when it comes to selling a home, privacy is the LAST thing Realtors&reg; want. Instead, we're seeking exposure, presence, urgency, and pe [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="font-weight:bold">"Is there glass under the paint,"</span> I said to the Seller, pointing to her front door. <span style="font-weight:bold">"Would you mind if we strip the panes to let in more light?"</span><br /><br /><span style="font-weight:bold">"What about privacy?"</span> she asked; <span style="font-weight:bold">"We're on a fairly busy street."</span><br /><br /><span style="font-weight:bold">"That's true,"</span> I said, <span style="font-weight:bold">"but the way you live in a home, and the way we present a house for sale are entirely different animals."</span><br /><br />What I didn't say is that <span style="font-weight:bold">when it comes to selling a home, privacy is the LAST thing Realtors&reg; want. </span>Instead, we're seeking exposure, presence, urgency, and persuasion. Which is why selling covertly is almost never a good idea <em><span>(almost).</span></em></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">Moreover, 99% of the houses we represent have been vacated, so lack of "privacy" isn't a real concern.</span> In other words, we don't mind if curiosity compels people to peak through the front door; we're open for business.<br /><br /><span style="font-weight:bold">What's more, it's important to understand that a staged home has entirely different goals and objectives than your personal residence. </span>As Homeowners, our homes <em><span>(for better or for worse)</span></em> reflect our tastes, our lifestyle, and our choices. Realtors&reg;, on the other hand, are trying to appeal to the largest pool of Buyers. Often this means negating personal preferences in favor of light, bright, aspirational interiors.<em> <span>(It's tough for people to envision their lives in a home when wedding photos are hanging on the walls.)</span> </em><span style="font-weight:bold">At the risk of leaning on a cliche: "it isn't personal; it's business."</span><br /><br /><span style="font-weight:bold">"Okay," </span>she said, "<span style="font-weight:bold">you're the professionals; do what you think is best." </span><em><span>(Thank you; that's music to my ears.)</span></em><br /><br />Unfortunately, this Seller's quick turnaround is the exception rather than the rule. That's because <span style="font-weight:bold">Sellers tend to personalize the sale of their homes,</span> <span style="font-weight:bold">which can make for a difficult journey.</span> Whether out of pride, ignorance, or ego, the truth is that none of these responses work in your favor when it comes time to sell. Frankly, it's WHY people hire Realtors&reg;. <span style="font-weight:bold">Good Agents bring levity, perspective, and experience, not to mention arms-length negotiations to the transaction.</span><br /><br /><span style="font-weight:bold">However much you love your house, Realtors understand that selling is a business proposition first, and foremost.</span> For Sellers, home sales tend to be layered with excessive baggage, and anxiety, which is why selling a property &mdash; especially a beloved one &mdash; is a complicated affair, often accompanied with <strong>OUTSIZED&nbsp;</strong>expectations. Of course it's going to feel disruptive. <span style="font-weight:bold">At its core, selling a home IS disruptive, IS stressful, and CAN be incredibly difficult.</span> <span><em>(Deep breaths. This is where we carry the load.)</em> </span><br /><br /><span style="font-weight:bold">We understand you're anxious</span> <span><em>(we do)</em>, </span><span style="font-weight:bold">but we'd be of no value if we were sidetracked </span><em><span>(or hijacked)</span></em><span style="font-weight:bold"> by our "feelings.</span>" Realtors&reg; aren't<em> <span>(or shouldn't be)</span></em> emotionally invested in the process. Our job is to sell your property for the highest price with the strongest terms. So while you focus on packing, purging, and moving, <span style="font-weight:bold">let us concentrate on the transformation, presentation, and marketing of your beautiful home.</span><em>&nbsp;</em><br /><br /><span style="font-weight:bold">Even if our game plan doesn't necessarily align with your personal aesthetics or natural pace, we promise there's a strategy at work. </span>Please keep in mind that while Homeowners tend to be hyper focused on how much attention, or perceived lack of attention, their property receives, we're often juggling several properties in different stages simultaneously. Consequently, we tend to move quickly once you hand over the keys. With hundreds of successful sales under our belts, we know what appeals &mdash; and more importantly, what doesn't.&nbsp;<span style="font-weight:bold">So bear with us; we understand that our methods may be met with mixed emotions, but&nbsp;</span><span style="color:rgb(18, 12, 13); font-weight:700">we have very little time to accomplish a long list of tasks designed to meet your goals and objectives.</span><br /><br /><span style="font-weight:bold">Take my word for it, the journey is far easier if you can trust the process,</span> avoid micromanaging, and let go of the outcome. Irrespective of the work we do together, the market, is the market, is the market. At some point, the results are no longer up to us, but to a willing and qualified Buyer. <span style="font-weight:bold">If we've done our jobs well, the goal is to attract as many Buyers as possible. Wouldn't you agree?</span><br /><br /><span style="font-weight:bold">Knock, knock.</span><br /><br /><span style="font-weight:bold">Come in, the door's open.</span><br /><br /><em><span>How can we help you? </span></em></div>]]></content:encoded></item><item><title><![CDATA[Have We Reached an Inflection Point?]]></title><link><![CDATA[https://www.juliegardner.com/blog/have-we-reached-an-inflection-point]]></link><comments><![CDATA[https://www.juliegardner.com/blog/have-we-reached-an-inflection-point#comments]]></comments><pubDate>Fri, 25 Sep 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/have-we-reached-an-inflection-point</guid><description><![CDATA[We're deep into the Fall Market and gratefully, it has delivered some terrific results. That being said &mdash; and for the first time in many years &mdash; Sarah and I ran into some pushback on a property which was accepting offers earlier this week. With interest rates now topping 7.25% (and projected to rise higher still), Buyers may have finally reached an inflection point. Typically, multiple offers provide the kind of leverage that incentivizes potential Buyers to spend more in competition [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="font-weight:bold">We're deep into the Fall Market and gratefully, it has delivered some terrific results. </span>That being said &mdash; <span>and for the first time in many years &mdash;</span> Sarah and I ran into some pushback on a property which was accepting offers earlier this week. <span style="font-weight:bold">With interest rates now topping 7.25%</span> <em><span>(and projected to rise higher still),</span></em> <span style="font-weight:bold">Buyers may have finally reached an inflection point. </span><br /><br /><span style="font-weight:bold">Typically, multiple offers provide the kind of leverage that incentivizes potential Buyers to spend more in competition,</span> but frankly, that was a much easier ask when interest rates were less than half of what they are today. <span style="font-weight:bold">Put more bluntly </span><span><em>(because my job isn't to sugarcoat the marketplace)</em> </span><span style="font-weight:bold">the expectation that Buyers will happily fork over hundreds of thousands more than the list price, may no longer necessarily be a foregone conclusion.</span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;">Consequently, even when we were explicitly asked to send a counter offer to one colleague's "motivated Buyers," the unexpected response after several hours of waiting to ratify was: <span style="font-weight:bold">"They've decided to hold at their original number," </span>and that sentiment seemed to carry the day. While we eventually, and successfully secured a deal with those same Buyers, <span style="font-weight:bold">it wasn't the cake walk that we'd anticipated when the day began.</span><br /><br /><span></span>As one well regarded Appraiser remarked on tour this week, <span style="font-weight:bold">"Are we now seeing some of the air come out of the marketplace given the higher interest rates?"</span><br /><br /><span></span><span style="font-weight:bold">The short answer is "quite likely."</span><br /><br /><span></span>In fact, the concept was brought home in a mortgage newsletter I was sent earlier this week that succinctly put it best:&nbsp;<span style="color:rgb(34, 34, 34); font-weight:bold">"Your Sellers think in 'price.' Your Buyers think in 'payment.' Those are two different languages, and in this market, the gap between them is where a purchase stalls."</span><br /><br /><span></span>I couldn't agree more.<br /><br /><span></span><span style="color:rgb(34, 34, 34); font-weight:bold">And while Piedmont is often buffered by the general ups and downs of the greater economy, it's NOT entirely immune from higher prices EVERYWHERE. </span><br /><br /><span></span><span style="font-weight:bold">Which is why, </span><em><span>(and I say this with all due respect)</span></em><span style="font-weight:bold"> it's important for Sellers to understand that Buyers don't care about what you want,</span> what you need, what you must have, or what you believe your house is worth. <span style="font-weight:bold">They care about the price of their monthly nut. </span>They care about the cost of healthcare, daycare, groceries, gas, and what vacations they will have to forego in order to afford a home. <span style="font-weight:bold">They CARE about the cost to borrow.</span><br /><br /><span></span>With the help of AI, let's break this down into real figures . . .<br /><br /><span></span><span style="color:rgb(13, 13, 13); font-weight:bold">Assuming a $2.5M purchase price with 20% down </span><span style="color:rgb(13, 13, 13)">(</span><span style="color:rgb(13, 13, 13)">that's $500k),</span><span style="color:rgb(13, 13, 13)"> leaving a $2M balance, with a 30-year fixed mortgage, AND assuming 1.10% property tax as a reasonable estimate, </span><em><span style="color:rgb(13, 13, 13)">(California&rsquo;s base property-tax rate is 1%, with additional voter-approved charges varying by location)</span><span style="color:rgb(13, 13, 13)"> </span></em><span style="color:rgb(13, 13, 13); font-weight:bold">the monthly mortgage breaks down as follows:</span><br /><br /><span></span><span style="color:rgb(13, 13, 13); font-weight:bold">Monthly mortgage at 3.0% on $2M = $8,432.00<br />Monthly mortgage at 7.25% on 2M = $13,645.00</span><br /><br /><span></span><span style="color:rgb(13, 13, 13); font-weight:bold">With Insurance the totals may calculate as high as: $11,224 per month, or $16,437 respectively. </span><em><span style="color:rgb(13, 13, 13)">(Insurance premiums have tripled in many instances.)</span></em><br /><br /><span></span><span style="color:rgb(13, 13, 13); font-weight:bold">Thus, the annual PITI </span><em><span style="color:rgb(13, 13, 13)">(principal, interest, taxes, and insurance)</span></em><span style="color:rgb(13, 13, 13)"> </span><span style="color:rgb(13, 13, 13); font-weight:bold">on the same property is approximately $134,688 vs. $197,244 </span><span style="color:rgb(13, 13, 13)">at the higher interest rate, </span><span style="color:rgb(13, 13, 13); font-weight:bold">OR an extra $5,213 per month, equating to approximately $62,556 more per year. That's more than a few bucks, especially extended over a 30-year period. </span><em><span>(BTW, interest rates are expected to go up another quarter in the next few weeks.)</span></em><br /><br /><span></span>And while Buyers certainly appreciate and quantify any upgrades and improvements you have made to the property, <span style="font-weight:bold">your sentimental attachment to the house likely carries NO VALUE for the prospective Buyers </span><span><em>(although they LOVE the Seller letters explaining how much you've enjoyed the home).</em> </span>In other words, <span style="font-weight:bold">try to assess your property as a potential Buyer might, and then set your expectations accordingly.</span><br /><br /><span></span><span style="font-weight:bold">On the flip side, we still live in an area of extremely limited inventory, high net wealth, newly-minted millionaires, world-class universities,</span> <span style="font-weight:bold">and enviable weather, </span>making Bay Area Real Estate a solid bet for the foreseeable future. <span style="font-weight:bold">Until supply &amp; demand change,</span> <span style="font-weight:bold">the Bay Area should continue to be a good investment, even if it softens a bit. </span><em><span>(The next several months should tell the story.)</span></em><br /><br /><span></span><span>How can we help you?</span><br /><span></span></div>]]></content:encoded></item><item><title><![CDATA[The Cost to Own]]></title><link><![CDATA[https://www.juliegardner.com/blog/the-cost-to-own]]></link><comments><![CDATA[https://www.juliegardner.com/blog/the-cost-to-own#comments]]></comments><pubDate>Fri, 18 Sep 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/the-cost-to-own</guid><description><![CDATA[Last weekend, I attended the wedding of my younger son's best friend, who for all intents and purposes, was like a third child to us. Andrew accompanied our family on many a vacation, and spent a good deal of time at our house, just as Tristan did at his. Those boys grew up together and are still close friends to this day (although Andrew grew taller, much to Tristan's chagrin).The wedding was a stunning affair in St. Helena, and the weekend could not have been more lovely. Set against the pictu [...] ]]></description><content:encoded><![CDATA[<div class="paragraph"><span style="font-weight:bold">Last weekend, I attended the wedding of my younger son's best friend, who for all intents and purposes, was like a third child to us.</span> Andrew accompanied our family on many a vacation, and spent a good deal of time at our house, just as Tristan did at his. Those boys grew up together and are still close friends to this day <em><span>(although Andrew grew taller, much to Tristan's chagrin).</span><br /></em><br /><span style="font-weight:bold">The wedding was a stunning affair in St. Helena,</span> and the weekend could not have been more lovely. Set against the picturesque hills and vineyards of Napa Valley, on a perfect, fall evening, Andrew and Leah's vows were the culmination of an 11-year relationship that reminded us all of how wonderful young love can be. <span style="font-weight:bold">Congratulations to the beautiful, and joyous couple; may your lives be filled with love and laughter. </span><br /><br />A nurse, and a sales rep by day respectively, <span style="font-weight:bold">Leah and Andrew currently live in Austin, Texas where they intend to reside for the foreseeable future</span>. Why aren't they returning to the East Bay where they are both from?<span style="font-weight:bold"> It's too expensive to live here.</span><br /><br />Alas, they're not wrong.</div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph"><span style="font-weight:bold">Based on historical data, the median price for a Piedmont home in the 1970s was $45,000,</span> which had risen considerably from the 1960s, where the median price sat at <span style="font-weight:bold">$28,900. Today, Zillow puts the typical Piedmont home value at approximately $2.51 million</span> <span style="font-weight:bold">as of August 2026.</span> Redfin's median sales price figure for Piedmont was approximately $3 million for the same period, and Realtor.com calculated the price at $3.6 million,<span style="font-weight:bold"> </span>illustrating just how much the number varies depending on the period and methodology. <span style="font-weight:bold">That represents approximately a 55-fold increase in value since the 60s. </span><br /><br /><span style="font-weight:bold">Much of that appreciation reflects:</span><ul style="color:rgb(18, 12, 13)"><li>inflation</li><li>land scarcity</li><li>regional economic growth</li><li>Silicon Valley wealth creation</li><li>dramatically higher incomes at the upper end</li><li>increased demand for Piedmont's schools and location</li><li>decades of constrained housing construction</li><li>the accumulation of housing equity</li><li>more demand than supply</li></ul><br /><span style="font-weight:bold">The real story is the relationship between these factors.</span> Piedmont real estate in the 1970s was expensive, but it pales by comparison to today's values. <span style="font-weight:bold">In the 1970s, a family could buy a typical family home with a conventional salary, a manageable down payment, and a monthly mortgage </span>that, although expensive <span><em>(interest rates were 11%!)</em>,</span> was tied to a dramatically lower purchase price.<br /><br /><span style="font-weight:bold">It's important to note that the median income in Piedmont in the late 60s was only $16,533 </span>but even so, the ratio of home to income was much more affordable. <span style="font-weight:bold">A home's intrinsic value represented 2-3 years of one's salary, not 10-15 years. </span>Back then, Piedmont's community included, teachers, firemen, and working-class Americans, along with doctors, lawyers, and executives. <span style="font-weight:bold">For all those folks, homeownership was not only attainable, it's how they built equity and wealth over time.</span><br /><br /><span style="font-weight:bold">&#65279;Consequently, existing Homeowners may be sitting on millions of dollars in equity, </span>while first-time Buyers are trying to enter the market using today's salaries and today's mortgage rates, putting them at a distinct disadvantage in competition. And while competition also existed in the 70s, inventory was much stronger as well, providing for many more opportunities and less upward pressure. In today's world, <span style="font-weight:bold">housing hasn't simply become more expensive; the entire financial ecosystem surrounding a house has changed dramatically </span><em><span>(and not for the better).</span></em><br /><br /><span style="font-weight:bold">Contrast yesteryear's wages to today, where the median income in Piedmont is above $250,000, but the cost to own is MUCH HIGHER </span>making homeownership in the Bay Area increasingly unaffordable. In fact, homeownership is often the result of wealth that has ALREADY been created. In short, <span style="font-weight:bold">established wealth is now the prerequisite to owning a home. </span><br /><br /><span style="font-weight:bold">Today's Homebuyer is often relying on stock compensation,</span> investment portfolios, inherited wealth, parents who can help with down payments, and equity from their departing multimillion-dollar Bay Area properties, which dramatically skews who can pursue "the American dream" and who can't. <span style="font-weight:bold">In short, for many people, homeownership has become a much harder hill to climb, or put another way, we're back to the haves and have nots. </span><br /><br /><span style="font-weight:bold">And yet, one thing hasn't changed much at all: people still want good homes in good neighborhoods for the same reasons they did 50 years ago. </span>The schools, architecture, parks, proximity to San Francisco and Oakland, and sense of community remain remarkably durable sources of demand, which explains why our Piedmont marketplace continues to climb in the face of rising interest rates.<br /><br /><span style="font-weight:bold">At the end of the day, people still need places to live, and they'd prefer to live here if they can do so. </span><br /><br /><span>How can we help you? </span>&#8203;</div>]]></content:encoded></item><item><title><![CDATA[The Market Review]]></title><link><![CDATA[https://www.juliegardner.com/blog/the-market-review]]></link><comments><![CDATA[https://www.juliegardner.com/blog/the-market-review#comments]]></comments><pubDate>Fri, 11 Sep 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/the-market-review</guid><description><![CDATA[The Fall has been HOT (and so has the weather). In fact, it' been busier than any third quarter I can recall as August proved to be incredibly fruitful for both Buyers and Sellers alike, especially here in Piedmont, where demand remains high. Demand usually lasts until Thanksgiving when Buyer interest cools considerably and their attentions are diverted to holiday festivities and family gatherings. If a property hasn't sold by Thanksgiving, we're typically removing it from the market and reintro [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="color:rgb(18, 12, 13); font-weight:bold">The Fall has been HOT </span><span style="color:rgb(18, 12, 13)">(and so has the weather)</span><span style="color:rgb(18, 12, 13); font-weight:bold">. In fact, it' been busier than any third quarter I can recall </span><span style="color:rgb(18, 12, 13)">as</span><span style="color:rgb(18, 12, 13); font-weight:bold"> </span><span style="color:rgb(18, 12, 13)">August proved to be incredibly fruitful for both Buyers and Sellers alike, especially here in Piedmont, where demand remains high. Demand usually lasts until Thanksgiving when Buyer interest cools considerably and their attentions are diverted to holiday festivities and family gatherings. </span><span style="color:rgb(18, 12, 13); font-weight:bold">If a property hasn't sold by Thanksgiving, we're typically removing it from the market and reintroducing it in the Spring. </span>&#8203;</div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">Per the Multiple Listing Service (MLS) Piedmont currently has 16 active listings on the market, eight pending properties, and 91 closed sales and those numbers will climb through September</span>. In total, that's 115 properties under contract NOT counting several that have sold off-market and weren't officially reported. In a town with fewer than 4,000 homes, there's always a limited supply of available housing stock, but it feels even tighter now. <span><em>(The number of units sold year over year continues to diminish across all price points.)</em> </span><span style="font-weight:bold">In short, Piedmont continues to favor Sellers.</span>&#8203;<br /><br /><span style="font-weight:bold">The lowest sale sold at 429 Linda Avenue off-market for $760,000,</span> which is well below the current marketplace, while <span style="font-weight:bold">the highest recorded sale was 44 Farragut Avenue at $11,750,000. </span>The average selling price was $2,883,945. The median was $2,328,000 and <span style="font-weight:bold">the average price-per-square foot was approximately $1,100.</span><br /><br /><span style="font-weight:bold">Of course, home purchases aren't necessarily mathematical equations </span><em><span>(nor should they be);</span></em><span style="font-weight:bold"> they're emotional ones, </span>which is why many sales defy the odds, such as our listings at <span style="font-weight:bold">32 Caperton Avenue</span> which we sold earlier this year for more than $1,500 a square foot, or <a href="https://10muir.com/" target="_blank">10 Muir Avenue,</a> which sold for $1,400 a square foot; two exceedingly beautiful properties that both proved to be VERY compelling opportunities, and <span style="font-weight:bold">not surprisingly, both commanded far more than the "average" price.</span><br /><br /><span style="font-weight:bold">Did the Buyers overpay? Not at all. They paid what the market would bear. </span>They paid what it took to secure the home in competition. Nobody but NOBODY thanks the Agent who doesn't ultimately deliver a house.<span style="font-weight:bold"> Make no mistake, these are heavy-weight prize fights come the offer dates. </span><br /><br /><span style="font-weight:bold">Listening to my good friend, Brady Thomas, of La Salle Mortgage, this morning,</span><em> <span>(Brady is the host of </span><a href="http://linktr.ee/peptalkmortgage" target="_blank">PepTalk Mortgage </a></em><span><em>which he posts on Instagram several times a week.)</em> </span><span style="font-weight:bold">he reminded his viewers that our homes aren't meant to be investments the way our stock portfolios are.</span> Our homes are places to raise our families and build memories. If we retain them, maintain them, and don't treat the growing equity like an ATM, they should also build a nest egg over time <em><span>("time" being the operative word)</span>,</em> but <span style="font-weight:bold">our personal dwelling's main role is to function as our living space, to get our from under rent </span><em><span>(and eviction potential),</span></em><span style="font-weight:bold"> and to enjoy the lifestyle we create.</span> <em><span>(Our house, our choices).</span></em><br /><br /><span style="font-weight:bold">Which is why, when we meet with Sellers, we're often pushing them away from their choices to present the house in the way WE think will have the greatest impact and the highest return.</span> Sometimes it's as simple as getting everything in working order. While, other times, we're asking them to take a leap of faith with us while we renovate kitchens and bathrooms, update the lighting, landscape the yard, and professionally stage the home. <span style="font-weight:bold">For those Sellers that can quickly learn to let go, they're typically far better rewarded than those who prefer to hang on tightly and micromanage the process. </span><em><span>(That too, is a choice.)</span></em><br /><br /><span style="font-weight:bold">While this may be difficult for many Sellers, when you've hired a professional, take the next step and listen to their advice, and then let them do the job you are paying them to do. </span>We're not going to ask you to support anything we don't believe will return a higher percentage on the other end, nor are we in the habit of spending your money unwisely. In fact, <span style="font-weight:bold">you're not "spending" money, you're investing it in the home, to receive a greater return. </span><em><span>(Got it?)</span></em><br /><br /><span style="font-weight:bold">That being said, it's still your house, and as the Owner you have final say. </span>If you're okay doing less and making less, we'll follow your lead. <span style="font-weight:bold">However, if presenting your house in its best light interests you, we're available for consultation. </span>The fall market is actually an excellent time to contemplate a sale next spring, and <span style="font-weight:bold">stagers are already booking into 2027, as are Realtors&reg;.</span><br /><br /><span>How can we help you? </span></div>]]></content:encoded></item><item><title><![CDATA[What Floats your Boat?]]></title><link><![CDATA[https://www.juliegardner.com/blog/what-floats-your-boat]]></link><comments><![CDATA[https://www.juliegardner.com/blog/what-floats-your-boat#comments]]></comments><pubDate>Fri, 04 Sep 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/what-floats-your-boat</guid><description><![CDATA[Cliff and I used to own a motor boat, primarily because it was part &amp; parcel of our Fallen Leaf Lake cabin purchase a few years back. Like most boat owners, we didn't use it enough to justify the expense of docking fees, tax and licenses, insurance, or storing it through the winter. In fact, we had a tough time giving the boat away once we discovered the downside of being boat owners, which is probably why the Sellers had no problem including that old jalopy in the sale. (They knew better.)T [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="font-weight:bold">Cliff and I used to own a motor boat, primarily because it was part &amp; parcel of our Fallen Leaf Lake cabin purchase a few years back. </span>Like most boat owners,<span> </span>we didn't use it enough to justify the expense of docking fees, tax and licenses, insurance, or storing it through the winter. In fact, <span style="font-weight:bold">we had a tough time giving the boat away once we discovered the downside of being boat owners, which is probably why the Sellers had no problem including that old jalopy in the sale.</span> <em><span>(They knew better.)</span></em><br /><br /><span style="font-weight:bold">The truth is:</span><ul style="color:rgb(18, 12, 13)"><li>I like boats; I just don't like being a boat owner.</li><li>I like pools, but I don't like maintaining a pool.</li><li>I like sporty, little convertibles, but you can't fit a family in them.</li><li>I like cats, but prefer dogs . . . <em><span>(you get my drift).</span></em></li></ul></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">Life is a series of choices.</span><br /><br /><span style="font-weight:bold">Defining what works </span><span><em>(and what doesn't)</em>, </span><span style="font-weight:bold">is not only a huge part of the home- buying process, it's a critical life skill as well.</span> Consequently, the sooner you figure out "what floats your boat," the easier your journey will be. My best advice: <span style="font-weight:bold">eliminate what doesn't serve you well, and focus on what does.</span><br /><br /><span style="font-weight:bold">It goes without saying</span><em> <span>(although I'll say it)</span></em> <span style="font-weight:bold">that identifying what's non-negotiable when it comes to a home, isn't necessarily an easy task; it requires a fair bit of footwork, introspection, and compromise on the Buyers' part.</span> Those who dedicate themselves to the process, will likely find a property fairly quickly. Those who don't, will, unfortunately, continue to sit on the sidelines while more motivated Buyers step up and successfully negotiate the deal.<br /><br />&#65279;<span style="font-weight:bold">For those of you looking, be aware that we have a bifurcated marketplace here in the East Bay where the high-end continues to soar, </span>while the low-end is often chasing the market down. <span><em>(Higher interest rates affect starter-home Buyers far more than those with means.)</em> </span> So not only do you need to get out and tour regularly, you need to start noting where things trade, how many offers came in on a particular property, what you like, what you don't, AND then you need to let your Agent know your preferences. <span><em>(The more input we have, the better.)</em> </span><span style="font-weight:bold">Understand that the more properties you see, the more context you'll have, and that's half the battle</span>.<br /><br /><span style="font-weight:bold">The other half is being fully underwritten and approved so that you're in a position to compete.</span> Don't bother writing lukewarm offers that won't prevail. If you're not willing to go to the mats, move on and wait for the next opportunity, but DO get your lender all the documents they will need to secure the loan. <span style="font-weight:bold">If you're in a position to pay cash, do so, and finance the home AFTER the close of escrow.</span> <span style="font-weight:bold">While cash offers don't come with a discount, the cash component will likely encourage a counter should your offer fall short.</span><br /><br /><span style="font-weight:bold">Finally, make sure to align with a LOCAL Agent.</span> On Sunday, I had several unrepresented Buyers ask me at the Open House if I'd represent them on the sale of 29 Vista Avenue, assuming that would give them a leg up. As Sarah and I already represent the Seller, the short answer was: <span style="font-weight:bold">"No, it's an inherent conflict of interest, but I will happily refer you to a licensed colleague." </span><em><span>(And so I did.)</span></em><br /><br /><span style="font-weight:bold">It should be noted that it's not necessarily in the Buyers best interest to be represented by the Selling Agent(s). </span>That's because our fiduciary duty lies with the Sellers, not the Buyers. <span style="font-weight:bold">As Buyers, you want, and need a dedicated Agent</span> for your side of the transaction; one that successfully works in the marketplaces you've identified.&nbsp;<br /><br /><span style="font-weight:bold">Nor is it strategic to work with an out-of-area Agent. </span>Certainly, they can draft your offer, but you'll be missing the inside track, which can make a huge difference in heavy competition.&nbsp;<span style="color:rgb(18, 12, 13)">At the risk of offending your newly-licensed friend, uncle, or mother, your Agent should be a business decision - not a favor.&nbsp;</span><strong>Look at the track records of the Agents, and let that guide your choice. DO feel free to interview several Realtors&reg; if you're uncertain.&nbsp;</strong><br /><br /><span style="font-weight:bold">"Can we represent ourselves?"</span><br /><br /><span style="font-weight:bold">You can, but you don't want to.</span> Again, <span style="font-weight:bold">a local Agent will know the lay of the land, the other players, and the activity much better than you ever will. </span>Moreover, they may also be aware of properties that are selling off-market that you'll never hear about. AND since the Sellers are still absorbing the cost of the Buyers' Agent <span><em>(nearly 99% of the time),</em> </span><span style="font-weight:bold">why not use an expert to navigate the complicated real estate process instead of driving the boat alone? </span>You'll be in a far better position to manage the choppy waters.<em> <span>(See how I did that?)</span></em><br /><br /><em><span>How can we help you? </span></em></div>]]></content:encoded></item><item><title><![CDATA[What's the Story Morning Glory?]]></title><link><![CDATA[https://www.juliegardner.com/blog/whats-the-story-morning-glory]]></link><comments><![CDATA[https://www.juliegardner.com/blog/whats-the-story-morning-glory#comments]]></comments><pubDate>Fri, 28 Aug 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/whats-the-story-morning-glory</guid><description><![CDATA[From ancestral traditions shared around the campfire, to "The Epic of Gilgamesh," written more than 4,000 years ago in Mesopotamia, to the fairy tales of Hans Christian Andersen, storytelling has shaped the way we see the world.&#8203;My husband, Cliff, who has taught for two decades as an adjunct professor at Berkeley's School of Law, is fond of saying, "You can't change the outcome if you don't change the narrative."      In Cliff's classroom, full of eager young law students, he's speaking of [...] ]]></description><content:encoded><![CDATA[<div class="paragraph"><span style="font-weight:bold">From ancestral traditions shared around the campfire, to "The Epic of Gilgamesh," </span>written more than 4,000 years ago in Mesopotamia, to the fairy tales of Hans Christian Andersen, <span style="font-weight:bold">storytelling has shaped the way we see the world.</span>&#8203;<br /><br /><span></span>My husband, Cliff, who has taught for two decades as an adjunct professor at Berkeley's School of Law, is fond of saying, <span style="font-weight:bold">"You can't change the outcome if you don't change the narrative."</span><br /><span></span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">In Cliff's classroom, full of eager young law students, he's speaking of post-conviction remedies, which is a far cry from the work Sarah and I do as Realtors.</span> But in both instances, <span style="font-weight:bold">we're essentially storytellers.</span> The required preparation of bringing properties to market is no less important to our clients than are the facts of a case to his. <span style="font-weight:bold">How relevant elements are curated, woven, and perceived is the main objective</span> in both our professions, and at the risk of falling into hyperbole: <span style="font-weight:bold">the stories we tell absolutely make a DIFFERENCE in their subsequent outcomes </span><em><span>(which accounts for the huge swings in property values).</span></em><br /><br /><span style="font-weight:bold">Earlier this week, I received a phone call from a colleague</span> who had just toured our newest listing at <span style="font-weight:bold">29 Vista Avenue in Piedmont; </span>a property we've been diligently working on for the past several weeks, and she couldn't have been more complimentary. <em><span>(She'd seen the "before" version.)</span></em><br /><br /><span style="font-weight:bold">"Wow, you transformed the place,"</span> she said, <span><em>(Thank you, we had a lot of help.)</em> </span><span style="font-weight:bold">"</span><span style="font-weight:bold">You thought of things that wouldn't have occurred to me." </span><em><span>(I</span><span> felt the same about her recent listing on Pacific.) </span></em><br /><br /><span style="font-weight:bold">In reality &mdash; and if we're observant </span><span style="font-weight:bold">&mdash; </span> <span style="font-weight:bold">we "borrow" good ideas from one another, </span>but I appreciated the acknowledgment from a trusted colleague just the same.<br /><br /><span style="font-weight:bold">And while such transformations can often be unsettling for Sellers,</span> who have spent years living in their homes to their liking, <span style="font-weight:bold">the process of bringing a home to market may be an epic journey that often takes a little persuasion before Sellers sign on. </span>While not quite "The Odyssey" <span><em>(or at least, we hope not)</em>,</span> <span style="font-weight:bold">there's always a story to be crafted with every home we list, and it's usually NOT the Sellers'.</span><br /><br /><span style="font-weight:bold">Why?<br /></span><br /><span style="font-weight:bold">Because we're not selling the house to the Sellers </span><span><em>(their friends, neighbors, or family) .</em> </span><span style="font-weight:bold">We're looking for the next generation of Buyers,</span> and they're primarily interested in "turn-key, light-filled, fresh, and "Insta-worthy" homes.<em> <span>(Try giving your kids your antiques; they have ZERO interest.)&nbsp;</span></em><span style="font-weight:bold">What's important to understand is that the choices we make when living in our homes is vastly different than choices made when selling them </span><em><span>(assuming top-dollar is your goal).</span></em><br /><br /><span style="font-weight:bold">Most of us sink comfortably into our environments, and don't give a lot of thought about the placement of the furniture, </span>the chipping paint, the scratched floors, the overgrown garden, or the musty smell in the basement. By and large, we are living ultra busy lives that focus on our families, our work, our kids' activities, and our outside commitments. <span style="font-weight:bold">We're lucky if we have time to catch up on overlooked repairs and watering the potted plants.</span><br /><br /><span style="font-weight:bold">However, when we sell a home, we're reaching for an "aspirational lifestyle;" </span>one that doesn't include junk mail on the countertops, dripping shower faucets, unmade beds, or your teenager's pile of dirty laundry on the floor.<em> <span>(That's how they announce they've hit adolescence.)</span></em><br /><br /><span style="font-weight:bold">This is where good stagers come in. Above all else, stagers are gifted storytellers, </span>recognizing where a room needs more light, which angle best suits the sofa and chairs, what accessories highlight the space, where to hang a mirror, and most importantly, <span style="font-weight:bold">how to arrange these tried-and-true design details to best create a cohesive and compelling tale -&nbsp; because homes are EMOTIONAL purchases, not practical ones.</span><br /><br /><span style="font-weight:bold">With mid-centuries, we're often seeking a hip, modern vibe.</span> If it's a cottage, we'll lean heavily into charm. A gigantic mansion? Let's create vignettes to make it more accessible, and provide seating areas that invite you to stay instead of feeling overwhelmed by the largesse.<br /><br /><span style="font-weight:bold">What you're not going to find at most staged properties are </span>window treatments, TVs and electronics, knick knacks, photos of your family, or exercise equipment <em><span>(</span><span>unless there's a dedicated gym).</span></em> Granted, these are all things that make our lives better, but to Buyers, they are simply clutter. <span style="font-weight:bold">Buyers need an inviting palette that allows them to envision their lives in the house &mdash; not yours. </span><br /><br /><span style="font-weight:bold">Finally, if you're monitoring the renovations, </span>you will undoubtedly walk into the process at different phases that may strike you as unfinished. That's because you're focusing on one concern, while we are working toward the entire puzzle. <span style="font-weight:bold">Please give us the opportunity to complete the narrative and tell the WHOLE STORY. </span><em><span>(I promise you, we have a plan. and a proven method.) </span></em><br /><br /><span style="font-weight:bold">And while most Realtors&reg; may not think of themselves as storytellers, it's the most imaginative and creative Agents who invariably rise to the top. </span><br /><br /><em><span>How can we help you?</span></em></div>]]></content:encoded></item><item><title><![CDATA[Ready, Set, Go!]]></title><link><![CDATA[https://www.juliegardner.com/blog/ready-set-go]]></link><comments><![CDATA[https://www.juliegardner.com/blog/ready-set-go#comments]]></comments><pubDate>Fri, 21 Aug 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/ready-set-go</guid><description><![CDATA[The Fall market is upon us, and this year it seems to be moving at breakneck speed. With 24 Piedmont listings either active or pending as of 08/18/26, we're off to a great start. Our darling listing at 6 Greenbank Avenue sold in just one week, as did Stacey and Anna's beautiful property at 66 Manor Drive, while the sweet brown-shingle at 21 Lorita Avenue, represented by Matt and Teresa, sold in one short weekend. All COMPASS listings, each headed by a COMPASS team (thank you very much), and extr [...] ]]></description><content:encoded><![CDATA[<div class="paragraph"><span style="font-weight:bold">The Fall market is upon us,</span> <span style="font-weight:bold">and this year it seems to be moving at breakneck speed. With 24 Piedmont listings either active or pending as of 08/18/26,</span> we're off to a great start. Our darling listing at <a href="https://6greenbank.com/" target="_blank"><font color="#24678d">6 Greenbank Avenue</font></a> sold in just one week, as did Stacey and Anna's beautiful property at <a href="https://66manor.com/" target="_blank"><font color="#24678d">66 Manor Drive,</font></a> while the sweet brown-shingle at <a href="https://21lorita.com/" target="_blank"><font color="#24678d">21 Lorita Avenue,</font></a> represented by Matt and Teresa, sold in one short weekend. All COMPASS listings, each headed by a COMPASS team <em><span>(thank you very much)</span>,</em> and extremely deserving of the early attention they received.<br /><br /><span style="font-weight:bold">Why so fast?</span><br /><br /><span style="font-weight:bold">Because, quite often "the bird in the hand beats two in the bush."</span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">That's not to say that running the full marketing period can't produce fantastic results &mdash; it often does &mdash; </span>and when we expose the property for two weeks, we absolutely know we're not leaving money on the table. However, waiting the usual 12-14 day cycle doesn't necessarily mean you'll be rewarded with a higher offer in the end.<br /><br /><span style="font-weight:bold">Thus, if an early offer is truly COMPELLING</span> <em><span>(lukewarm, tepid, or mediocre proposals need not apply),</span></em> <span style="font-weight:bold">we're likely to encourage our Sellers to at least take a look, </span>and if the offer is less than jaw-dropping, we'll politely ask the Buyer(s) to return on the offer date<em> <span>(no harm, no foul)</span> </em>and use their early interest as bait.<em> <span>(If you're going to come in aggressively, write high, or don't come at all.)</span></em><br /><br /><span style="font-weight:bold">Moreover, good Agents will immediately reach out to anyone else who has expressed interest before encouraging the Sellers to sign on the dotted line. </span>That way, if there is someone willing to pay more, they'll have an opportunity to do so. Yes, it's a fire drill to be sure, but it's not only doable, it's sometime preferable, DEPENDING on the circumstances. <span style="font-weight:bold">That being said, the speed can definitely be off-putting for some.</span><br /><br /><span style="font-weight:bold">What's more, not every property </span><em><span>(or every Seller)</span> </em><span style="font-weight:bold">benefits from this quick approach.</span> By way of example, we received an early preemptive offer on our listing at <a href="https://132caperton.com/" target="_blank"><font color="#24678d">132 Caperton</font></a> earlier this year, listed for $2,495,000, and while certainly respectable, it left the door slightly ajar. After lengthy discussions, the Sellers declined, only to have those same Buyers write for significantly more come the offer date.<em> <span>(They were now in heavy competition.)</span> </em>That property closed at $4,200,000; a HUGE win by any measure, and WELL above both the list price and their original offer.<br /><br /><span style="font-weight:bold">But be forewarned, the "preemptive play" isn't for everyone; it requires a steady hand, a leap of faith, and NO second guessing on either party's part.</span> Because once a deal has been struck, there are no do-overs. That means the Sellers will never know if they could have achieved a higher price by waiting, and the Buyers won't know if they could have acquired the house for less.<br /><br /><span style="font-weight:bold">In truth, if you plan to jump into a house prematurely, count on paying a premium for the property.</span> In essence, you're paying NOT to compete on the open market with other interested parties, but that advantage doesn't come cheap.<br /><br /><span style="font-weight:bold">BTW, A preemptive play is different than an off-market sale </span>where the home never reaches the open market at all. In the preemptive scenario, the listing is live on the MLS, and has had a Sunday Open, and perhaps a Brokers' Tour, but <span style="font-weight:bold">the property is snapped up before an offer date is ever set,</span> often cancelling the second week of Opens.<br /><br /><span style="font-weight:bold">There's nothing wrong with this approach, and it can be a welcome relief, </span>especially for the anxious Seller, <span style="font-weight:bold">as long as you slam the door on anyone behind you. </span>If you're hoping to snag a deal, this isn't the time or place to do so. If a discount is what you seek, look for homes that have struggled and languished on the market for 30 days or more. <span style="font-weight:bold">Discounted properties DO NOT come about in the first five days of marketing.</span><br /><br /><span style="font-weight:bold">As an example, I recently had a potential Buyer drive by one of our listings that is busy being prepped.</span> Workmen were clearly painting, planting, hanging lights, laying mulch, etc. <span style="font-weight:bold">This Buyer then called and said, "I'll give the Seller X, and you can stop the work right now."</span> Alarmingly, she hadn't stepped foot in the house, nor had she read a single disclosure, which doesn't exactly build confidence that the deal will survive, let alone close.<br /><br /><span style="font-weight:bold">Without being entirely disrespectful, her number was achievable half a dozen times over, so the answer was a swift "no thank you."</span><em> <span>(That's not exactly what the Seller said, but this is a G-rated blog.) </span></em>Again, <span style="font-weight:bold">if the goal is to nab the house before anyone else has had a chance to see it, </span>you better have your ducks in a row. That means signing off on ALL disclosures, and being prepared to <span style="font-weight:bold">write a BIG FAT WHOPPING number. </span><span><em>(Winner, winner, chicken dinner.)</em> </span>Otherwise, wait for the house to come to market, and submit on the offer date like the vast majority of Buyers. <span style="font-weight:bold">However you proceed, understand that buying a house in the Bay Area is a highly competitive race that requires endurance and speed. </span>Ready, set, go.<br /><br /><span style="font-weight:bold">"Runners, take your mark." </span><br /><br /><span>How can we help you? </span></div>]]></content:encoded></item><item><title><![CDATA[Cancel Piedmont?!?]]></title><link><![CDATA[https://www.juliegardner.com/blog/cancel-piedmont]]></link><comments><![CDATA[https://www.juliegardner.com/blog/cancel-piedmont#comments]]></comments><pubDate>Fri, 14 Aug 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/cancel-piedmont</guid><description><![CDATA[If you didn't see the article bashing Piedmont in the SF Chronicle (and reiterated in the NY Times), you're probably better off. This is the kind of reporting that falls short of facts, and instead, relies on sensationalism designed to divide.Listen, I rail against inequality. I stopped shopping at Target when they abandoned DEI. I avoid Amazon. I drive a hybrid. I recycle, and having spent the last 36 years married to a man who represents the indigent on Death Row, you might guess (and you'd be [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="font-weight:bold">If you didn't see the article bashing Piedmont in the </span><a href="https://www.sfchronicle.com/bayarea/article/cancel-piedmont-wealthy-city-22364459.php" target="_blank">SF Chronicle</a><span style="font-weight:bold"> </span><em><span>(and reiterated in the </span><u><span>NY Times</span></u></em><span><em>)</em>,</span><span style="font-weight:bold"> you're probably better off.</span> This is the kind of reporting that falls short of facts, and instead, relies on sensationalism designed to divide.<br /><br /><span style="font-weight:bold">Listen, I rail against inequality.</span> I stopped shopping at Target when they abandoned DEI. I avoid Amazon. I drive a hybrid. I recycle, and having spent the last 36 years married to a man who represents the indigent on Death Row, you might guess<em> <span>(and you'd be right)</span> </em>that my politics align FAR left. <strong>B</strong><span style="font-weight:bold">ut the article not only unfairly singles out Piedmont, it completely misses the point . . . .</span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">&nbsp;Not that Piedmont</span> &mdash; or any other similarly affluent community &mdash; <span style="font-weight:bold">doesn't suffer from glaring inequities and systemic racism that's easy to ridicule</span> <span><em>(sadly, it does),</em> </span>but the solution isn't pitting one town against the other by tearing Piedmont down; it's by raising Oakland UP!<br /><br /><span style="font-weight:bold">And while the article is quick to point out that 69% of Piedmont's population is white, with only 1% identifying as black, that leaves the other 29% represented by other races/minority groups</span>&nbsp;which is<em> <span>(happily)</span></em> a huge improvement over what Piedmont's population would have been even a generation ago. In fact, our fastest growing demographic is Indian/Asian/Pacific Rim. <strong>In short,</strong>&nbsp;<strong>Piedmont is evolving.&nbsp;</strong><br /><br /><span style="font-weight:bold">Judging by the folks that tour the Opens on Saturday and Sunday, diversity may have been late to the party, but it's a healthy trend that's only going to improve over time. </span>That being said, Piedmont's population is definitely underrepresented by brown and black residents, and that needs to change. <span style="font-weight:bold">New people, new ideas, and new traditions are more than welcome here. </span><br /><br /><span style="font-weight:bold">Perhaps Piedmont gets picked on,&nbsp;</span>despite its more affluent neighbors that include Ross, Atherton, Hillsborough, Woodside, Los Gatos, etc.,&nbsp;<span style="font-weight:bold">because it sits in the heart of Oakland, </span>and regretfully, the schools, infrastructure, and social services between the two cities ARE dramatically different, as are the demographics. That's absolutely not right, but it doesn't make Piedmont wrong. <span style="font-weight:bold">Frankly, Oakland deserves much better.</span><br /><br /><span style="font-weight:bold">Piedmont's ability to retain its unique character may be due to the fact that this tiny incorporated city of fewer than 4,000 homes and less than 11,000 residents isn't saddled with the HUGE costs of underwriting and maintaining </span>public hospitals, homelessness, urban blight, city streets, and the overbearing weight of city employees that Oakland must support. <span><em>($450 million a year for pensions and mandatory salary increases alone.)</em> </span><span style="font-weight:bold">Without these burdensome, financial obligations, Piedmont can focus its resources on sustaining highly coveted schools,</span> maintaining its beautiful parks and green spaces, and improving public amenities; all of which continue to support high property values within its borders. <em><span>(And yes, Piedmont's median priced home is MUCH higher than Oakland's.)&nbsp;</span></em><br /><br /><span style="font-weight:bold">Additionally, Piedmont's parent body raises $3 to 4 million dollars annually to privately fund science, art, music, and athletic programs</span> for the public school programs that have unfortunately been cut in other districts.<em> <span>(Remember when band was actually an elective in public schools?)</span></em> <span style="font-weight:bold">Frankly, expanded programs are the reason people move to Piedmont;</span> they're seeking academic excellence, STEM classes, summer camps, and afterschool activities in <span style="font-weight:bold">a safe community with a shared set of values centered around our kids.</span>&nbsp;Piedmont's commitment to its children certainly factored heavily into the equation when Cliff and I abandoned SF private schools <em>(and their exorbitant tuitions!)</em>&nbsp;to migrate to the East Bay many years ago. <strong>Excellent</strong><strong>&nbsp;public schools WERE the single most important reason for relocating.&nbsp;</strong><em>(Trading annual tuition for a college fund was a close second.)&nbsp;</em><br /><br /><span style="font-weight:bold">Should such choices be available to everyone? Absolutely, and like many others who are attracted to Piedmont, we worked tirelessly to make such opportunities available for our children. </span>I'm not sure we should be "cancelled" for having done so.&nbsp;<span style="color:rgb(18, 12, 13)">BTW, if you think there aren't HUGE disparities between neighborhoods in San Francisco, think again. <strong>Should we "cancel" Pacific Heights, Russian Hill, or Sea Cliff because they far outpace the Tenderloin?</strong> </span><em style="color:rgb(18, 12, 13)">(Probably not.)</em><br /><br /><span style="font-weight:bold">However unfair the discrepancies between neighborhoods, we can all agree that racist practices started WAY back before segregation and red-lining were conveniently ignored,</span> before poorly planned freeways cut-off whole neighborhoods from one another, and before lenders deemed entire swaths of the population to be "poor risks." In short, inequality has been around since the founding or our county<em> <span>(and long before)</span></em>, <span style="font-weight:bold">which in no way excuses the practice, but if we're going to have a rational discussion, the concept of inequality didn't begin and end with Piedmont. Ask any social scientist and they'll tell you that racism is rooted in tribal behavior that has existed since man walked the earth.&nbsp;</span><br /><br /><span style="font-weight:bold">To make matters worse, the passage of Prop. 13 in the 1970s</span> &mdash; which froze property taxes for seniors &mdash; <span style="font-weight:bold">resulted in SIGNIFICANT funding cuts to California's </span><span><em>(then)</em> </span><span style="font-weight:bold">outstanding schools and institutions,</span> and that's a problem that needs addressing. That being said, the taxes in Oakland have risen 65% since 2013, while public services have all but disappeared. <span style="font-weight:bold">That's not a Piedmont problem: that's a management problem, a policy problem, and a fiscal problem.</span><br /><br /><span style="font-weight:bold">Add to tha</span><span style="font-weight:bold">t the inherently punitive practice of funding schools based on average daily attendance </span><span><em>(not enrollment</em>), </span>which means that high rates of chronic absenteeism, especially among low-income and high-risk students, has reaped devastating fiscal impacts on the schools that, arguably, need help the most. <span style="color:rgb(26, 25, 24); font-weight:bold">As enrollment is expected to decline through the next decade, most districts and counties will continue to face budget, operational, and educational challenges that come with downsizing</span><span style="color:rgb(26, 25, 24)"> </span><em><span style="color:rgb(26, 25, 24)">(including Piedmont).</span></em><br /><br /><span style="color:rgb(26, 25, 24); font-weight:bold">Listen, I'm a lowly Realtor&reg;, so I don't have the answers as to how to make the world, let alone, the East Bay "fairer," </span><span style="color:rgb(26, 25, 24)">but <strong>having sold in and around Piedmont for the last two decades, I can absolutely attest to the changing guard,</strong> the increased awareness around diversity, the desire to do better, and the efforts towards inclusion by a lot of good people who spend countless hours volunteering and leading the city with little, if any, pay, few rewards, and not nearly enough thanks. </span><strong><em><span style="color:rgb(26, 25, 24)">(Thank you.) </span></em></strong><br /><br /><span style="color:rgb(26, 25, 24)">Finally, while</span><span style="color:rgb(26, 25, 24)"> </span><span style="color:rgb(26, 25, 24); font-weight:bold">Piedmont has been mandated by the state of California to provide more housing options, it is severely limited by its boundaries. </span><span style="color:rgb(26, 25, 24)">Consequently</span><span style="color:rgb(26, 25, 24)">, there are few opportunities for expanding or building low-income housing within the city limits. And, yes, that makes it difficult to correct the disparity and availability of affordable housing. <strong>Practically speaking, we are talking about Piedmont's geographical limitations and challenges, NOT its inherent values.&nbsp;&nbsp;</strong></span><br /><br /><span style="color:rgb(26, 25, 24); font-weight:bold">Do I wish all children had an equal playing field from birth? I absolutely do. </span><span style="color:rgb(26, 25, 24)">It's not only heartbreaking, but a real loss of potential and promise. </span><span style="color:rgb(26, 25, 24); font-weight:bold">We've let the vast number of our kids down, and that's not just sad, it's criminal.</span><span style="color:rgb(26, 25, 24)"> So perhaps our elected leaders in Sacramento and Washington should focus on how to give our children more opportunities instead of wasting time on the many distractions that now seem to polarize our politics. </span><span style="color:rgb(26, 25, 24); font-weight:bold">And maybe</span><span style="color:rgb(26, 25, 24)"> </span><span style="color:rgb(26, 25, 24)"><em>(</em><em><em>j</em>ust maybe)</em></span><span style="color:rgb(26, 25, 24)"><em>,</em> </span><span style="color:rgb(26, 25, 24); font-weight:bold">we could call upon our humanity and reject divisiveness in whatever form it takes, and instead celebrate our successes while extending a hand to every man, woman, and child who needs it. </span><span style="color:rgb(26, 25, 24)">Is there a reporter willing to write that story? </span><br /><br /><em><span style="color:rgb(26, 25, 24)">How can we help you?<br /><br />PS - Speaking of schools, they are back in session, so please be mindful and slow down.</span></em></div>]]></content:encoded></item><item><title><![CDATA[Drip, Drip, Drip . . . .]]></title><link><![CDATA[https://www.juliegardner.com/blog/drip-drip-drip]]></link><comments><![CDATA[https://www.juliegardner.com/blog/drip-drip-drip#comments]]></comments><pubDate>Fri, 07 Aug 2026 07:00:00 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.juliegardner.com/blog/drip-drip-drip</guid><description><![CDATA[On Wednesday morning, I dropped my dog, Riley, off at the veterinarian's office on College Avenue for teeth cleaning and minor surgery. We'd been monitoring a small tumor at the top of his left ear for the past several months that had proven to be benign, but continued to grow. Better to remove it now while it was still pea-sized, until waiting for the lump to get really gnarly.Thank goodness for pet insurance.Unfortunately, I've seen too many houses where small problems were allowed to fester & [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><span style="font-weight:bold">On Wednesday morning, I dropped my dog, Riley, off at the veterinarian's office on College Avenue for teeth cleaning and minor surgery.</span> We'd been monitoring a small tumor at the top of his left ear for the past several months that had proven to be benign, but continued to grow. <span style="font-weight:bold">Better to remove it now while it was still pea-sized, until waiting for the lump to get really gnarly.</span><br /><br />Thank goodness for pet insurance.<br /><br /><span style="font-weight:bold">Unfortunately, I've seen too many houses where small problems were allowed to fester &mdash; sometime for years &mdash; to the great detriment of the home </span><span><em>(and the Homeowners).</em> </span>And while ongoing maintenance undoubtedly requires a financial outlay, <span style="font-weight:bold">left unattended, the damage can balloon into thousands of dollars </span>that might be better spent on anything but the house <span>(<em>like a Hawaiian vacation).</em></span></div>  <div>  <!--BLOG_SUMMARY_END--></div>  <div class="paragraph" style="text-align:left;"><span style="font-weight:bold">Several years ago, we worked on a home with an&nbsp;outdated kitchen only to discover that the cabinet underneath the sink had completely rotted.</span> Not only was the cabinet unsalvagable, so were the floor and the joist underneath, all due to a persistent drip that could have been addressed by a licensed plumber in less than a few hours.<br /><br />Instead, our contractor had to replace EVERYTHING. <span style="font-weight:bold">What's more the rotting wood had attracted termites which meant the Seller had a significant infestation as well.</span> Instead of transforming the kitchen with new counters and appliances, the budget went into structural repairs, which unfortunately, never bring the same ROI <em><span>(return on investment)</span> </em>that cosmetic upgrades do.<br /><br /><span style="font-weight:bold">At another home, a main structural beam the Sellers were aware was problematic, became a six-figure correction </span>10 years later when they decided to sell. Having no luck at attracting Buyers with the damage in place, the Sellers made the necessary repairs before bringing the property back to market and successfully selling their home.<br /><br /><em><span>(But wait, there's more . . . )</span></em><br /><br /><span style="font-weight:bold">At yet another property, the tub leaked so badly, it threatened to fall through the crumbling tile floor. </span>Sadly, the Homeowners had taped off the door and stopped using the bathroom altogether. Ditto for several of the other rooms throughout the house where the toilets had clogged, the showers stopped working, and the washer and dryer were broken.<em> <span>(Why???)</span></em><br /><br /><span style="font-weight:bold">"Don't walk on the floor," </span>the Seller's son said. <span style="font-weight:bold">"I don't think it's safe." </span><em><span>(No, it wasn't.)</span></em><br /><br /><span style="font-weight:bold">And so the story goes: rotten decks, crumbling plaster, pealing paint, leaning chimneys, failed roofs, nonfunctioning drainage systems, OVERGROWN yards, etc., etc., etc. You name it, we've undoubtedly seen it.</span> Unfortunately, if you're expecting your Realtor&reg; to "cure" your home, you may have waited too long. Consequently, you should anticipate the cost of repairs to be commiserate with the work involved. <span style="font-weight:bold">Getting a home back to its "former glory" often requires a substantial investment, especially if its been ignored for years or worse yet, decades. </span><br /><br /><span style="font-weight:bold">"That seems like a lot of money."</span> we've heard more than one Seller complain with disbelief and regret.<br /><br /><span style="font-weight:bold">Perhaps, but realize it's money you DIDN'T spend during the tenure of your ownership, and probably should have.</span> Now, it's time to "pay the piper." That being said, <span style="font-weight:bold">your home is likely to be far more desirable with stylish, new improvements,</span> which translates to demand, which often results in a higher selling price. <em><span>(MUCH higher!) </span></em><span style="font-weight:bold">In short, the work we're suggesting is designed to remove any hurdles to selling, and is usually returned many times over.&nbsp;</span><br /><br /><span style="font-weight:bold">That's because most Realtors are fairly adept at making properties presentable and camera ready for less, AND these skills are often part and parcel of the commissions we charge. </span>In essence, you're getting our experience for far less than you'd pay an architect or designer. To be clear, Agents are NOT licensed contractors, designers, or architects. On the other hand, <span style="font-weight:bold">we DO know what the public responds to and have excellent resources at our disposal to ensure your property is "market ready." </span><br /><br /><span style="font-weight:bold">But in a perfect world, would we prefer taking a listing that's been well-maintained through the years? You betcha. </span>There's simply less risk, debate, and angst involved, and we can fast-track those properties in a way that we cannot when taking on a home that needs weeks, if not months of creative reconditioning before bringing it to market. <span style="font-weight:bold">With the understanding that the world is far from perfect and life is fairly distracting, an oversight here or there is understandable</span>. <span style="font-weight:bold">Just don't let your home go to rack and ruin. </span><br /><br /><span style="font-weight:bold">The moral of the story is: don't wait.</span> <span style="font-weight:bold">If you're feeling overwhelmed, stuck, or frozen, there are countless trained professionals who can help, </span>including your local Realtors&reg; but it requires you to move into action. Just know that <a href="https://www.juliegardner.com/our-team.html" target="_blank"><font color="#5848b7">we have a long list of organizers,</font></a> house cleaners, window washers, handymen, appliance repairmen, carpet layers, etc, all waiting for your phone call. <span style="font-weight:bold">You don't have to do this alone. In fact, you probably shouldn't. </span><br /><br /><span><em>How can we help you?</em> </span><br /><br /><em><span>PS - Riley looks a bit like Frankenstein but made it through the surgery just fine. He was a little unsteady on his feet for awhile but is bouncing back beautifully. </span></em></div>]]></content:encoded></item></channel></rss>