What You Don't Know About Insurance Could Cost You

Join Dennis Day and Judy Gratton on this episode of 'Getting Your Edge' as they delve into the complexities of the insurance industry with special guest Douglas Olson from USI Insurance Services. Discover the vital distinction between brokers and independent agencies, learn about the challenges facing the insurance sector today, and understand how consumers' demands impact insurance products. Douglas shares insights on why insurance companies are leaving certain markets, how they handle losses, and the importance of maintaining accurate policy information. This comprehensive discussion sheds light on how you can better protect your assets and navigate the evolving insurance landscape.

00:00 Introduction and Greetings
00:34 Meet Douglas Olson: Insurance Expert
01:10 Understanding Independent Insurance Agencies
03:42 The Impact of Consumer Demands on Insurance
06:39 Challenges Facing the Insurance Industry
13:30 Real Estate and Insurance: Key Insights
20:30 Insurance Industry Adjustments and Non-Renewals
33:16 Consumer Concerns and Contractual Obligations
34:18 Conclusion and Contact Information

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Living and Thriving in Mexico: Expat Life and Running a Business

Expat Life in Mexico: Downsizing, Living, and Working as an American! Join co-hosts Dennis Day and Judy Gratton in this thrilling episode of 'Getting Your Edge: How to Downsize Your Life,' as they chat with Ashley Werter, an adventurous spirit who traded Seattle for the sunny shores of Puerto Vallarta, Mexico! Tune in as Ashley, a talented professional photographer, opens up about her exhilarating journey as an American expat. Discover her first impressions of life in Mexico, the vibrant local culture, the surprising cost of living, and her son's educational adventures. Ashley shares the ups and downs of her exciting new life, her connections with both expats and locals, and how she navigates finances and healthcare in a new land. Don't miss part two, where we dive into the thrilling world of running a business in Mexico as a foreigner!

To View Ashley Werter's Professional Photography Website Click Here

00:00 Introduction and Welcome
00:17 Meet Ashley Werter: From Seattle to Puerto Vallarta
01:10 Life in Mexico: First Impressions and Daily Life
03:04 Language Barriers and Clientele
04:44 Cost of Living and Housing
10:03 Cultural Differences and Celebrations
13:42 Healthcare and Transportation
15:26 Residency and Legal Requirements
17:50 Social Life and Activities
30:46 Financial Tips and Banking
34:08 Final Thoughts and Advice

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The Spring Real Estate Market is the Best Time to Downsize. We have seven expert tips to get your home ready, and start your downsizing adventure.

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What if navigating the real estate market could be your next strategic move, even amidst rising interest rates? Join hosts Dennis Day and Judy Grant as they unravel the complexities of the real estate landscape from 2020 through 2024, focusing on the remarkable recovery from the downturn in 2023. They explore the intriguing dynamics of home sales, which rose from 4.1 million to 4.6 million despite interest rates climbing into the 7% range. You’ll gain insights into national home price appreciation, with particular attention to regions like Washington State. Discover how the market is dealing with challenges like high prices, elevated interest rates, and limited inventory, and learn the savvy strategy behind "marry the house, date the rate" for making smart buying and refinancing decisions.

Looking forward, the episode anticipates shifts on the horizon in 2025, including more available home inventory and a solid 13% boost in new home construction, which promises opportunities for buyers and potential challenges for sellers. Dennis and Judy also delve into the nuances of the median percentage of original list prices and seasonal trends that impact home sales, offering valuable advice on timing your moves in the market. As a beacon of hope for renters, they highlight the stabilization of rental prices in areas like King County and Seattle. This engaging discussion promises to equip listeners with the knowledge needed to navigate the changing real estate market confidently.

00:00 Introduction and Podcast Rebranding

00:32 2024 Real Estate Market Overview

01:20 Interest Rates and Affordability

05:07 Regional Market Insights

12:41 Buying and Selling Strategies

18:43 2025 Market Projections

24:46 Conclusion and Contact Information

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Discover the transformative power of gifting experiences instead of material possessions during the holiday season. By focusing on shared moments with loved ones, this episode encourages listeners to celebrate the season with meaningful gifts that reduce clutter while creating lasting memories. Emphasis on gifting experiences, over material items. Unique experience gift ideas shared by hosts. Importance of creating lasting memories with loved ones. Practical advice for gifting that reduces clutter. Reflection on cherished holiday traditions and celebrations. Encouragement to think creatively about meaningful gifts.

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Unlock the secrets to navigating the latest Medicare changes with the expert guidance of Dennis Day, Judy Gratton, and our special guest, Kevin Anderson. Prepare to be informed about the significant transformations coming in 2024 and 2025, such as the dissolution of current Advantage and drug plans and the exciting introduction of new companies into the Washington market. The Inflation Reduction Act has paved the way for the elimination of the Medicare "donut hole," a move set to ease medication costs for seniors. We'll provide clarity on premiums, deductibles, and co-pays, ensuring that you are well-equipped to manage your healthcare budget effectively. This episode is your ticket to understanding the financial landscape of your healthcare options.

As we tackle the complexities of Medicare Advantage plans, Kevin Anderson shares why partnering with a Medicare broker can be a game-changer in finding the right plan without additional charges. We'll discuss the open enrollment period, potential pitfalls like scams, and the critical importance of reviewing your plan annually. Learn how companies like UnitedHealthcare are navigating financial constraints by adjusting benefits and explore why connecting with reputable professionals is essential for safeguarding your healthcare choices. Empower yourself with the knowledge to avoid unexpected challenges and make confident decisions about your healthcare needs.

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What happens when you swap a traditional home for a 19.5-foot van and hit the open road? Join us as we chat with our lifelong friends, Don and Gae Taylor, who took the leap from their West Seattle life into the world of van living. After years in the software development industry, Don decided it was time for a change, supported wholeheartedly by his wife, Gae. Together, they embarked on an adventure across the U.S. and Canada, sharing with us the emotional rollercoaster of downsizing and the unexpected pause their journey faced during the COVID-19 pandemic.

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