In this episode, our special guest Kevin Anderson, a licensed Medicare Advisor, will walk host Dennis Day through the process of choosing the right Medicare health care plan, just like he would any other client age 64 and 9 months.

Learn the timing for enrolling three months before or after your 65th birthday to avoid coverage gaps, and understand the roles of Medicare Part A and Part B. We'll also discuss the critical steps to setting up your SSA.gov account and the value of supplemental coverage. Whether you're a first-time enrollee or looking to optimize your existing plan, this episode is packed with insights to help you navigate Medicare registration efficiently and effectively.

Explore the critical differences between HMO and PPO plans, and discover why UnitedHealthcare's extensive network might be your best bet, especially if you're in Washington state. We highlight the often-overlooked benefits of acupuncture, chiropractic, dental, and vision care, and provide strategies for coordinating benefits with your employer’s plan to minimize out-of-pocket expenses. Kevin shares his expert advice on avoiding common Medicare pitfalls and the benefits of consulting a seasoned Medicare agent. Tune in for a thorough understanding of Medicare and actionable tips to tailor the best plan for your needs.

Kevin Anderson
Licensed Medicare Advisor
360-355-6555
medicarekev@gmail.com

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Unlock the secrets to financial stability in times of economic uncertainty with Gary Kawano of Success Lending, who sheds light on the intricacies of blended interest rates. If downsizing your home in a fluctuating interest rate market seems daunting, Gary's insights will guide you through the haze of mortgages, credit cards, and car loans, revealing how each contributes to your financial well-being. Delve into a world where understanding your debt cost is not an option but a necessity for making empowered property sales decisions.

This episode is a treasure trove of wisdom for anyone looking to refine their debt strategy or simply comprehend the actual price of their liabilities. We discuss real-world scenarios that bring the concept of blended interest rates to life, demonstrating how selling property and settling debts can dramatically alter the affordability of a new home—even when higher interest rates loom. Gary also introduces a specially crafted tool that promises to become an indispensable part of your financial toolkit. Don't miss out on this opportunity to gain a holistic perspective on debt and discover how a strategic approach to downsizing could be the smartest move you make this year.

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Episode 41.

Unlock the secrets of financial well-being with Gary Kawano of Success Lending as he shares his expert insights on Blended Interest Rates. This is a crucial exercise for anyone contemplating down-sizing.

With thirty years in the mortgage industry, Gary shares a wealth of knowledge to our latest podcast episode. He skillfully breaks down why keeping an eye on your overall financial health extends well beyond your mortgage rate. Through relatable client stories, we showcase how a comprehensive financial snapshot can be the deciding factor for down-sizers in today's economic climate.

Our discussion with Gary doesn't just illuminate the technicalities of blended rates; it's also a treasure trove of strategies for managing personal debt. Whether you're wrestling with the decision to refinance or seeking ways to balance savvy financial choices and immediate cash flow needs, our conversation addresses the broader housing market trends that affect your wallet. With resources tailored to complement our discussion linked with the episode, you'll have the tools at your fingertips to navigate the often perplexing world of personal finance. Tune in for an episode packed with actionable advice to take a comprehensive look at your overall finances, that could be the catalyst for your next smart move.

Check out our Youtube version: https://youtu.be/p7G8qHb-zuc


Gary Kawano
Producing Area Manager | NMLS #455499
Direct: | (760) 809-1597
Mobile: | (760) 809-1597
Gary.Kawano@successlending.com
Licensed In: AZ, CA, CO, FL, TN, TX, WA

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Unlock the mysteries of title insurance with the guidance of Jayne Boyle from Stewart Title, our expert for this week's "Getting Your Edge" podcast. As we navigate the twists and turns of home ownership and downsizing, we promise you'll come away with a sturdy shield of knowledge to protect your real estate investments. Jane not only demystifies the difference between title and escrow but also sheds light on the often overlooked coverage nuances of title insurance. Her insights into the one-time payment for lifelong security is like discovering a hidden insurance superpower, crucial for anyone facing the complexities of downsizing with tranquility.

Ever stumbled upon unexpected costs when closing on a property? Our discussion with Jayne Boyle is akin to having a navigational beacon through the foggy waters of real estate transactions. We explore the intricate process behind closing costs, from the settlement statements for buyers and sellers to the proactive steps taken by title officers to untangle potential property encumbrances. Moreover, Jane provides a peek into the underwriting and negotiation processes, enabling you to better comprehend what's at stake and how to manage any property disputes that may arise.

As we wrap up, the conversation turns to the pivotal role of title insurance in combating fraud and clerical calamities. Jane relays an eye-opening account of a clerical error that could have spelled disaster for a homeowner and illustrates how title insurance comes to the rescue. We also dispel the mysteries of title theft and the continuous protection title insurance offers long after your mortgage is cleared. For those caught in a tangle of family property transfers or quitclaim deeds, fear not. We are ready to help you secure or reinstate your title insurance. So, reach out for a consultation, as we're eager to ensure your passage to safe and secure homeownership is as smooth as possible.

Jayne Boyle
Stewart Title and Escrow - Everett WA
Business Development Manager
Jayne.boyle@stewart.com
1-425-344-5426

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We Would Love to Hear Your Feedback!

Elder Scam Prevention Resources are listed at the bottom of the descriptions and the end of the Transcript.

Unlock the secrets to shielding our seniors from financial predators with Kaitlin Cooke, a former federal prosecutor turned guardian of elder justice. Through her seasoned lens, we investigate the disturbing increase in scams swindling the elderly and dissect the psychological and demographic factors making our senior loved ones prime targets. Our dialogue illuminates the dark corners of government imposter tricks, mystery shopper setups, and the frightening ease with which these swindlers weave their deceitful webs. Learn how to spot the danger signs and employ robust strategies to fortify our treasured elders against these fraudulent onslaughts.

Kaitlin and I dissect the multifaceted nature of scam awareness and prevention, offering a guide to validating unexpected offers and preserving trust without falling victim to manipulation. The conversation traverses the emotional devastation left in the wake of these crimes and the paramount importance of reporting to authorities to aid in prosecution. As we unveil why many victims remain silent, we emphasize the collective responsibility to raise alarm bells and equip society with the tools to counteract these threats. Join us as we empower listeners with knowledge and resources that not only protect the vulnerable but strengthen the fabric of trust within our communities.

Finally, we chart the course for safeguarding against the most sinister of online frauds, navigating the labyrinth of international call center scams that exploit the trusting nature of their victims. Hear firsthand the strategies that can prevent financial disaster and support the healing process for those ensnared by scammers. With an empathetic yet vigilant approach, we offer a lifeline through avenues for reporting fraud and highlight the long-term financial ramifications for the unsuspecting. This episode is a must-listen, equip yourself and your loved ones with the shield of awareness to confront the faceless adversaries lurking in the digital shadows.

Where to Get Educated

• DOJ's Elder Justice Initiative Financial Exploitation – https://www.justice.gov/elderjustice/financial-exploitation
• DOJ's Elder Justice Initiative Senior Scam Alert – https://www.justice.gov/elderjustice/senior-scam-alert
• Federal Trade Commission's Consumer Alerts – https://consumer.ftc.gov/consumer-alerts
• AARP Fraud Watch Network –

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Four million people will turn age 65 in 2024. Eventually, most of us have to downsize. In this episode we will discuss the beginning of Judy's Downsizing Adventure, with real stories. We explore the fears and concerns that often hold homeowners back from making the leap to a smaller home. Through personal anecdotes and expert advice, listeners gain a deeper understanding of the sentimental attachments and practical challenges that come into play. From tackling the fear of letting go to envisioning a more manageable lifestyle, we uncover strategies to overcome procrastination and embrace the freedom that downsizing can bring. Tune in as we discuss the emotional side of downsizing and how to navigate this significant life transition with confidence.

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