Getting Your Edge: How to Rightsize your Home and Life.: Recent Episodes
Judy Gratton and Dennis Day
Life Happens to Everyone! These events can force changes in how and where you live. How you react and manage those events is what matters. Join Judy Gratton and Dennis Day, two agents with over 22 years combined experience in real estate, as they provide you insights into managing the twists and turns life throws at you, so you can land on your feet and in the right place. Whether you need to downsize from the forever home, upsize to handle a growing family, or moving an aging parent into a safer setting, the “Rightsizing” Podcast will share the information you need to “rightsize” your home and life. Using their personal experiences and interviews with experts in a variety of fields, like: financial planning, estate sales, or living abroad, our hosts will dish out the information and advice that will help you take on life’s challenges informed and prepared. For more information about the Edge Group Real Estate Team and the Freebies click here: https://edgegrouprealestateservices.com/
If you're 62 or older and thinking about buying a new home — whether you're downsizing, relocating closer to family, or just ready for a fresh start — there's a loan program most people have never heard of that could completely change how you approach that purchase.
It's called the HECM for Purchase, and in this episode, we're breaking it all the way down. I'm joined by [Guest Name], [Guest Title], and we walk through exactly how this FHA-backed program works, who qualifies, how much you actually need to bring to the table, and why so many buyers 62 and older are using it to buy their next home without a monthly mortgage payment.
We cover:
- What a HECM for Purchase actually is (and what it's not)
- Who qualifies and what the requirements look like
- How the numbers work — what you bring in, what the loan covers
- Common myths and misconceptions about reverse mortgages
- Real scenarios where this program makes a lot of sense
If you or someone you love is thinking about a move in retirement, this is an episode worth sharing.
Have questions? Reach out at www.edgegroupteam.com
Find Admiral Flunder Here: www.fairwayreverse.com/admiral-flunder
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Reverse mortgages still trigger an automatic “nope” for a lot of homeowners, and we get it. The stories from decades ago were messy, confusing, and sometimes genuinely harmful. But the modern version, the FHA insured Home Equity Conversion Mortgage (HECM), has safeguards that make it a very different conversation especially for seniors who want to stay in their home, protect a spouse, and unlock cash flow without selling.
We sit down with Admiral Flender from Fairway Home Mortgages to explain how a HECM really works: who qualifies at age 62+, what lenders look for in the financial assessment, and why property taxes and homeowners insurance matter so much. We also talk about the “maturity event” timeline, how heirs typically have time to sell or refinance, and the counseling step required through HUD that helps ensure the borrower fully understands the loan and is not being pressured.
Then we dig into the feature that surprises most people: the reverse mortgage line of credit. We explain how it’s different from a traditional HELOC, how it can grow over time, and why some homeowners use it as a standby emergency fund for retirement, healthcare, or major home repairs. We also cover real tradeoffs like upfront costs and why a HECM may not be the best fit if you expect to move in the near term.
We close with a strategy many buyers and even realtors miss: HECM for purchase. Yes, some seniors can right size or even upgrade to a home that fits their life better and still avoid a required monthly mortgage payment, as long as it’s their primary residence. Subscribe for more practical downsizing and retirement housing guidance, share this with someone who’s nearing retirement, and leave a review with your biggest question about reverse mortgages.
Admiral Flunder
Fairway Home Mortgage
1-206-890-9961
admiral.flunder@fairwaymc.com
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One mistake in the first two weeks of a spring listing can drain thousands from your sale. We break down the ten moves that protect your price and accelerate your timeline across Seattle, King County, and Snohomish County—so you launch strong, attract motivated buyers, and negotiate from a position of confidence. From a true strategy (not just a to‑do list) to the exact order of prep, we share what to fix, what to skip, and how to keep every dollar working toward your net.
We dig into decluttering with purpose, deep cleaning that destroys odor risk, and the high-ROI basics: fixing small defects, swapping dated hardware, and choosing light, neutral paint that widens appeal. You’ll hear practical curb appeal tactics for April–June, simple lighting upgrades that make rooms feel bigger in photos and showings, and accessible staging tips that tell a believable story without overdoing it. We also weigh the pros and cons of a pre-list inspection in a market where days on market are longer and surprises can be costly.
Pricing is where most sellers stumble, so we explain how to use comps, live competition, and market trends to set a value-driven number that pulls in the backlog of ready buyers during week one. For those downsizing, we address the emotional realities of letting go and outline a realistic timeline: March declutter, early April repairs and paint, late April photos and touch-ups, early May launch. Prepare well, and spring buyers will meet you where you want to be—on price, terms, and speed.
Ready to sell with less stress and more certainty? Subscribe, share this with a friend who’s listing soon, and leave a review with your biggest spring selling question.
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In this episode of 'Getting Your Edge: How to Downsize Your Home and Life,' hosts Dennis Day and Judy Gratton discuss the concept of right-sizing your life. They provide 12 actionable tips to make your home and lifestyle more manageable and less stressful, from living on one level and decluttering without relocating, to simplifying your landscaping and evaluating your lighting. Whether you are contemplating a smaller home, an RV lifestyle, or aging in place, this episode offers practical advice to help you align your living environment with your current needs. Tune in for insights on making thoughtful, informed decisions that enhance your comfort and well-being.
00:00 S4,Ep.71-Re-Size
00:42 Introduction to Downsizing
01:28 Meet Your Hosts
01:56 Understanding Rightsizing
02:59 What is Rightsizing?
04:09 12 Tips for Rightsizing
04:31 Tip 1: Live on One Level
04:50 Tip 2: Repurpose Unused Rooms
05:23 Tip 3: Declutter Without Relocating
06:42 Tip 4: Reduce Maintenance, Not Space
07:08 Tip 5: Simplify Your Landscaping
07:44 Tip 6: Remodel for Ease and Comfort
08:21 Tip 7: Shrink Your Expenses
09:25 Tip 8: Create a Lock and Leave Home
10:03 Tip #9: Rent Before You Move
11:12 #10 Create a Rental or Guest Space
12:50 Tip #11: Outsource What Drains Your Energy
13:55 Number 12: Change Your Schedule or Routines
14:54 Conclusions and Final Thoughts
21:15 Free PDF of 12 Tips
Here's Our Free 12 Steps To Re-Size Your Life PDF https://drive.google.com/file/d/1kzTVog0QHj9unOFIMFv7QPMjDA0webj0/view?usp=sharing
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This podcast discusses the current struggles in the "housing market", attributing them to high mortgage rates, HOA fees, insurance costs, and overall "economic news" as of December 2025. It also provides a year-over-year recap showing price decreases in King County and Snohomish, with a detailed "real estate market analysis" of the condo market. The video highlights how "condo prices" have been impacted as supply has outpaced demand since 2018, making "home buying" a complex decision amidst rising "inflation".
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Explore a practical, mission-driven way to sell a longtime home by working with group home operators who value larger, well-located properties and offer seller-friendly terms. Jim Boad explains sober living models, oversight, neighborhood standards, creative financing, and how this option can deliver fair value while doing good.
• what group homes are and how sober living operates
• why larger, transit-friendly homes are ideal
• how sales can be faster with fewer repairs
• creative financing options for steady income
• maintaining curb appeal and setting house rules
• addressing neighbor concerns with transparency
• legal context and reasonable accommodation
• step-by-step process from inquiry to close
• success stories that show real community impact
If today's conversation sparks some interest for you about whether you or somebody in your family is interested in selling, you can get a hold of us at edgroupteam.com or you could go to homeaccelerator.com
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Selling your home isn’t just about price—it’s about psychology. In this episode of Getting Your Edge – How to Downsize Your Home, Judy Gratton and Dennis Day reveal six proven strategies that tap into buyer emotions to help you sell faster and for top dollar. Learn how to create a winning first impression, build trust through transparency, and use subtle cues that make buyers fall in love with your home. Whether you’re downsizing in King or Snohomish County—or preparing for a move anywhere—these expert insights will help you showcase your home’s best features and achieve a smooth, successful sale.
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Thriving in Retirement: How to Redefine Purpose and Design Your Next Chapter
In this episode of 'Getting Your Edge: How to Downsize Your Life,' we explore the key aspects of transitioning into retirement and how to embrace a fulfilling new chapter. Our guest, Elizabeth Zelinka Parsons, a trailblazer in the retirement transition space, shares her journey from a high-powered legal career to becoming an expert in helping others navigate pivotal life transitions. Elizabeth is the author of 'Encore, a High Achiever's Guide to Thriving In Retirement,' and a seasoned consultant dedicated to providing strategies for redefining purpose and creating a meaningful post-retirement life. Tune in as we discuss identity bridging, reconstructing daily routines, and building rich relationships and purposes to thrive in retirement. Don't miss this enlightening conversation packed with actionable insights and inspiration for anyone nearing the next big life transition.
00:00 Introduction to Downsizing Your Life
00:23 Meet Elizabeth Zelinka Parsons
01:14 Elizabeth's Career Journey
02:21 The Decision to Leave Law
03:27 Reinventing Life in Tucson
03:45 Identity Crisis and Self-Discovery
04:54 Writing the Book and Helping Others
08:13 Advice for Pre-Retirement Planning
22:49 Mindsets for a Fulfilling Retirement
25:52 Embracing Discomfort in New Beginnings
27:18 The Cost of Failure and Setting Examples
28:08 Retirement at Different Ages
29:54 Investing in Relationships
31:17 Forced Retirement and Coping Strategies
34:01 Consulting Services and Programs
35:54 Cultural and Gender Differences in Retirement
37:10 Planning for Early Retirement
39:47 Rebuilding Connections and Purpose
42:39 Advice for Contemplating Retirement
45:59 Final Thoughts and Contact Information
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Jeannine Bryant's journey from North Dakota farm girl to right-sizing expert began with a childhood surrounded by grandparents and a natural gift for organization. Today, as CEO of Changing Spaces SRS in Lincoln, Nebraska, she leads a team helping seniors navigate the emotional journey of downsizing with compassion and practical solutions.
"Keep the best, let go of the rest" isn't just Jeannine's business tagline—it's a philosophy that guides her approach to helping clients find the perfect balance between too much and too little. She introduces us to the concept of right-sizing, a positive reframing that focuses on keeping what's meaningful rather than what you're losing. Through stories from her decade of experience, Jeannine illustrates how our attachment to possessions can become barriers to necessary life transitions.
The emotional aspects of downsizing take center stage as Janine explains how our identities become wrapped up in our things. She shares a poignant example of helping a couple move to assisted living—a necessary transition made significantly more difficult by their extensive ceramic figurine collection. This story perfectly illustrates her company tagline: "Life is hard enough. Don't let your stuff make it harder."
Jeannine outlines her systematic five-step approach to right-sizing: decide what to keep, give to family and friends, sell what you can, donate what didn't sell, and remove the trash. She emphasizes that following this order is crucial—by identifying what you'll keep first, you can more easily let go of the rest. She also dispels market myths about the value of china hutches, punch bowls, and other once-prized possessions that now flood the secondhand market.
Beyond her business services, Jeannine shares her passion for supporting seniors through volunteer work with caregiver organizations, offering insights into intergenerational living experiments, and providing resources through her books and website for those who can't access her in-person services. Whether you're planning a move, helping parents downsize, or simply seeking a more manageable home environment, Jeannine's practical wisdom offers a roadmap to living with less stress and more joy.
Check out Jeannine's resources at easyrightsizing.com or learn about her services at changingspacessrs.com to start your own right-sizing journey today.
00:00 Introduction and Host Greetings
00:12 Meet Jeannine Bryant: Right Sizing Expert
01:57 Jeannine's Journey from Farm to Business
04:05 Understanding Right Sizing
06:12 Challenges of Downsizing
09:16 Emotional Attachment to Possessions
12:43 Strategies for Letting Go
17:53 The Five Steps of Right Sizing
21:13 Downsizing Without Moving
22:33 Safety and Comfort in Aging
24:15 Common Downsizing Mistakes
24:41 Understanding the Time Needed
26:01 Senior-Focused Organizations
29:18 Services Offered by Changing Spaces and Easy Rightsizing
33:47 Unique Downsizing Experiences
36:07 Compensation and Pricing
38:57 Handling Family Heirlooms
41:16 The Value of Items
43:06 Resources and Contact Information
44:45 Conclusion and Final Thoughts
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We explore seven hidden benefits of downsizing beyond the obvious advantages of saving money, having less yard work, and eliminating clutter. These secret benefits can significantly improve your quality of life and provide additional motivation for making the transition to a smaller home.
• Reduced decision fatigue: Fewer home maintenance decisions means more mental energy for things that matter
• Improved mental clarity: Less chaotic environments reduce low-grade stress and create calmer living spaces
• Better financial discipline: Limited space prevents impulse purchases and promotes mindful spending habits
• Reduced theft risk: Smaller homes in secure communities make you less of a target for theft
• Increased safety: Fewer fall hazards like stairs, transitions, and high cabinets reduce injury risks for older adults
• More opportunities for generosity: Downsizing provides a chance to donate possessions to meaningful causes
• Freedom to choose your ideal community: Select a neighborhood that fits your current lifestyle, not your past needs
Visit our website at www.edgegroupteam.com for our free five-day downsizing class delivered to your email. If you've gone through the downsizing process and would like to share your firsthand experience as a podcast guest, please contact us at info@edgegroupteam.com.
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What You Don't Know About Your Insurance Policy Can Hurt You-Part 2
In this enlightening episode of 'Getting Your Edge: How to Downsize Your Home,' hosts Dennis Day and Judy Gratton dive into the complex world of insurance with expert Douglas Olson from USI Insurance Services. Olson breaks down the intricacies of insurance policies, the impact of recent natural disasters on the industry, and why your insurance policy might not cover as much as you think. The episode covers the challenges faced by insurance companies, including the reasons behind rising premiums and policy non-renewals, as well as the legalities and contractual obligations that come with insurance. Whether you're a homeowner, real estate professional, or simply an insurance consumer, this episode offers invaluable insights into what you need to know about your insurance coverage.
00:00 Introduction and Greetings
00:34 Meet Douglas Olson: Insurance Expert
01:10 Understanding Independent Insurance Agencies
02:49 The State of the Insurance Industry
04:00 Consumer Expectations and Insurance Realities
05:22 Challenges in the Insurance Market
10:48 Impact of Environmental Factors on Insurance
22:03 Insurance Companies' Financial Struggles
34:18 Concluding Thoughts and Contact Information
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Learn the truth about your insurance policy in this eye-opening video. Don't wait for a crisis to find out what your coverage really includes.
In this enlightening episode of 'Getting Your Edge,' hosts Dennis Day and Judy Gratton dive into the complex world of insurance with expert Douglas Olson from USI Insurance Services. Olson breaks down the intricacies of insurance policies, the impact of recent natural disasters on the industry, and why your insurance policy might not cover as much as you think. The episode covers the challenges faced by insurance companies, including the reasons behind rising premiums and policy non-renewals, as well as the legalities and contractual obligations that come with insurance. Whether you're a homeowner, real estate professional, or simply an insurance consumer, this episode offers invaluable insights into what you need to know about your insurance coverage.
00:00 Introduction and Greetings
00:34 Meet Douglas Olson: Insurance Expert
01:10 Understanding Independent Insurance Agencies
02:49 The State of the Insurance Industry
04:00 Consumer Expectations and Insurance Realities
05:22 Challenges in the Insurance Market
10:48 Impact of Environmental Factors on Insurance
22:03 Insurance Companies' Financial Struggles
34:18 Concluding Thoughts 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.
00:00 Introduction and Welcome
00:09 Meet the Hosts and Guest
00:34 Understanding Medicare Brokers
01:40 Key Changes in Medicare 2024-2025
03:11 Impact of Medicare Changes on Seniors
05:30 Prescription Plans and Costs
09:28 Dental and Dual Plans
10:29 Open Enrollment Period
18:45 Avoiding Scams and Misleading Information
21:27 Conclusion and Contact Information
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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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Is the Seattle-Metro area real estate Hot? Or Not?
In this episode of 'Getting Your Edge: How to Right-Size, Your Home Life Podcast', hosts Dennis Day and Judy Gratton explore the Seattle metro area's real estate market. They discuss whether it's currently 'hot or not', key statistics from the Northwest MLS, and detailed trends in Snohomish, King, and Pierce Counties. Topics include median price changes, seasonal cycles, and inventory shortages. They highlight challenges like hedge funds, international investors, and short-term rentals impacting housing availability. Despite these issues, the area's robust economy and appeal persist. The episode also emphasizes their boutique real estate group's expertise in downsizing and client-centric services, inviting listeners to reach out for personalized assistance and explore their podcast and YouTube content.
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What happens when the walls that have held your family stories begin to close in? Elizabeth Clark-Stern, a seasoned counselor and therapist, joins us to unpack the life-altering emotions tied to downsizing. Together, we navigate the complexity of leaving a long-term home, equating it to the grief of losing a loved one. Amidst the conversation, Judy Gratton shines a light with her heartwarming children's book, inspired by her granddaughters and crows, weaving a narrative that echoes the bittersweetness of letting go and cherishing memories.
As the heart wrestles with the head, we explore the balance of emotional attachments and pragmatic decisions. Elizabeth underscores the need for empathetic listeners who validate pain rather than fix it, while we explore how couples therapy can bridge communication gaps. Practical concerns like home maintenance and financial security become central themes, reminding us of the importance of facing realities. A simple pros and cons list emerges as a tool to discern emotional truths from practical necessities, guiding us through the maze of life transitions.
Shifting identities and evolving family dynamics are laid bare as we draw insights from Richard Rohr's "Falling Upward," contemplating how our attachments to material achievements may be challenged during downsizing. The dialogue extends to family tensions, where children and parents may find themselves at odds. Yet, amidst the upheaval, we discover unexpected joy—renewed connections and community bonds that alleviate loneliness. Through stories of senior communities and outreach programs, we celebrate the invigorating power of connection in life's later stages.We Would Love to Hear Your Feedback!
Navigating the emotional and logistical maze of downsizing is a daunting process. Discover the secrets to a seamless transition as we chat with Jeff Marks from Seattle Magpies. Jeff walks us through the entire process, from figuring out what to keep and what to sell, to managing the emotional toll of parting with cherished possessions. You'll hear touching stories, like Neil's journey to a retirement home, offering a heartfelt look into the challenges and rewards of downsizing.
Facing a hoarder house situation? Jeff shares invaluable insights on setting realistic expectations and the immense effort required to tackle such homes. With a compelling case study of Bruce, we delve into the tough decisions and strict guidelines necessary to bring order to chaos. Learn practical advice for those who must live through the liquidation process and why it's often best for homeowners to step back during their own estate sales.
Curious about the ins and outs of estate sales? Jeff breaks down how to identify valuable items that can turn a profit and the various alternative options when a full estate sale isn't feasible. From pop-up and private sales to wholesale buyouts, you'll get a comprehensive look at how to manage unsellable items and why donations are often the preferred route. We also touch on the compensation structure for such services and underscore the importance of choosing the right estate sale company to ensure a smooth, efficient process.
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Can strategic renovations really boost your home's value by 20%? Join us as we chat with Jessica Morrow, the Chief of Staff at Revive, to uncover the game-changing strategies that homeowners can use to transform their financial futures.
She's here to reveal how Revive not only connects homeowners with pre-vetted contractors but also fronts renovation costs, all designed to increase your home’s market value dramatically. You'll learn how skipping pre-sale renovations could mean leaving thousands of dollars on the table, and why downsizing is becoming a major trend, especially in California.
In the second part of our episode, we share a Revive life-changing success story—how investing $100,000 in client's home during the pandemic skyrocketed its value and enabled her to retire comfortably. Jessica also offers a glimpse into the future with Revive's groundbreaking Vision AI tool, set to revolutionize the way you analyze your selling options. Plus, hear about unique cases where homeowners decide to stay post-renovation, showcasing the unparalleled flexibility Revive offers. If you’re curious about maximizing your home’s potential and want to hear success stories that could inspire your next move, this episode is for you!
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In this episode, Dennis and his co-host Judy Gratton discuss the top five reasons why starting the downsizing process sooner rather than later is important.
This episode discusses the financial and practical benefits of downsizing your home during retirement. It covers the costs associated with maintaining a large home on a fixed income and the financial flexibility gained from moving to a smaller or rental property. The current real estate market conditions are also explored, including the difficulties in selling a poorly maintained home. Additionally, the video emphasizes the importance of starting the downsizing process early to maintain control over decisions and avoid burdening family members.
They highlight the importance of reducing the burden on loved ones and finding a balance between preserving memories and practical downsizing.
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Ep. 47
Imagine seamlessly transitioning into a vibrant retirement community where your physical, mental, and social wellness are all top priorities. Tune in as we chat with Cayce Miller, Sales Manager at Fairwinds Brighton Court in Lynnwood WA, who shares his compelling journey and the innovative Prime Fit Wellness Program that sets this community apart. Cayce reveals how Brighton Court fosters a welcoming culture for new residents and offers flexible care options to accommodate their evolving needs. From engaging events like the Forgotten Spirits gathering to exceptional dining options, he paints a vivid picture of life that’s both fulfilling and fun.
Join us for an inside look at the support systems and amenities designed to make the move to Brighton Court as smooth as possible. Cayce discusses the pivotal role as the moving coordinator and the convenience of month-to-month rent without a buy-in requirement. Explore the array of activities that keep residents connected, from summer festivals to casino nights, and discover how the resident council contributes to the vibrant community spirit. We also delve into trends in senior living, the growing demand for flexible care, and the exciting future offerings at Brighton Court. Whether you're contemplating a move or just curious about retirement community life, this episode is packed with actionable insights and heartwarming stories.
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We are on vacation this week to chill and relax. But, we'll be back with a new episode filled with valuable and useful information to help you right-size your life soon. Thanks for being a listener. We really appreciate your support.
Dennis and Judy
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Is clutter driving you crazy and stopping you from making the change you long for? You are not alone! A cluttered household is a natural part of living an American consumer lifestyle and remaining in your home for a long time.
Want to do something about it, but feel overwhelmed by the thought of sorting through all that stuff?
Meet Lisa Hawkinson, our guest for this episode, who turned her love for organizing into a thriving business: "How2getorganized.com". Lisa’s journey is nothing short of inspiring—from being teased as a child for her neatness to overcoming health challenges and helping others bring order to their lives. Learn practical downsizing strategies from Lisa's own experiences, like setting attainable goals, dedicating time, and starting with less emotional items. We'll explore the importance of a supportive friend and the benefits of letting go with a generous heart.
Helping elderly family members downsize can be emotionally challenging. This episode is packed with heartwarming stories and creative solutions for making this process smoother. We discuss the significance of understanding and validating seniors’ feelings, especially when cognitive impairments are in play. From taking photos of sentimental items to creating new ways to honor their memories, Lisa shares invaluable tips on how to make these necessary transitions with compassion and respect. You’ll also hear about the delicate balance required to assist aging parents while honoring their emotional attachments.
Unlock the secrets to an efficiently organized kitchen with Lisa's expert advice. Discover game-changing tips like using Lazy Susans, expandable shelves, and rectangular containers to optimize your space. Lisa introduces her unique touch, reach, walk, and hike strategy to keep your kitchen functional and clutter-free. Plus, learn about the supportive Smooth Organizer community, an affordable resource that offers guidance and accountability for decluttering your home.
Finally, we share success stories like Charlie's journey of preparing his home for sale, emphasizing the power of willingness and supportive companions in achieving a more manageable lifestyle. Tune in to take the first step toward right-sizing your home and life.
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We are on vacation this week to chill and relax. But, we'll be back with a new episode filled with valuable and useful information to help you right-size your life soon. Thanks for being a listener. We really appreciate your support.
Dennis and Judy
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In Episode 45, Dennis Day and Judy Gratton will help you unlock the secrets to navigating the complex world of home loan interest rates with our special guest, Steve O'Donnell from CMG Financial. This episode promises to transform your understanding of mortgage rates by focusing on what truly matters—the monthly payments. Hear Steve’s expert take on how global events and the bond market impact these rates, and learn practical strategies like qualifying with a rate cushion and innovative options such as "lock and shop" for buyers and special rate lock opportunities for sellers.
Tired of the confusion surrounding jumbo and conventional loans? We've got you covered. Steve breaks down the distinctions between these options, shedding light on loan limits across various counties and the waning appeal of adjustable-rate mortgages (ARMs). Discover creative financing strategies like bundling first mortgages with second equity loans and understand the critical steps of pre-qualification and pre-approval. Whether you're looking to buy, refinance, or downsize, this episode offers invaluable insights to help you make informed decisions.
Planning to downsize or manage your home equity for long-term stability? Steve provides a comprehensive guide on calculating home equity and cash flow, considering retirement plans and liquid assets. We discuss the benefits of bridge loans, home equity lines of credit, and programs like rate rebound refinancing. From handling fluctuating interest rates to seeking personalized financial advice, this episode equips you with the knowledge needed to navigate today’s volatile housing market. Join us for a wealth of expert advice and actionable strategies to optimize your home financing journey.
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What if you could ensure a smooth transition for a loved one from their longtime home to supportive housing, all while maintaining their dignity and quality of life? Join us as we sit down with Daphne Davis from Pinnacle Senior Placements, who brings 25 years of expertise to this heartfelt conversation. Daphne sheds light on the emotional and logistical hurdles families face during downsizing, emphasizing the necessity of understanding each individual's core values, health needs, and personal preferences. Learn the difference between independent placement agencies and franchises, and discover why a hands-on, personalized approach makes all the difference.
Planning for aging and long-term care can be overwhelming, especially when medical emergencies arise. We stress the importance of open, proactive family discussions to avoid emotional and logistical challenges later. Personal stories illustrate how early conversations can ease difficult decisions, particularly when multiple siblings are involved. Daphne also explores the varying experiences family members might have with an aging parent, especially when cognitive issues are present, and how acknowledging these differences can lead to improved care.
Navigating the intricacies of Medicaid, senior housing, and financial planning is crucial for a secure future. Daphne shares valuable insights on ethical practices in elder care, the differences between private pay and Medicaid clients, and the importance of financial preparedness. From securing Medicaid beds to having a power of attorney, we cover all the essential steps to ensure seniors can age with dignity. We also touch on the emotional aspects of downsizing and the various services available to assist seniors and their families during these transitions, ensuring they can embrace aging with grace and support.
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Should You Offer a Buyer's Agent Commission When You Sell Your Home?
Dennis Day and Judy Gratton of the Edge Group Team and EXP Realty, offer Five strong reasons why you should.
Are you prepared to navigate the new landscape of real estate in Washington State? This episode promises to equip you with everything you need to know about the recent changes in real estate laws, especially the new mandate requiring written contracts between buyers and their agents. Judy and Dennis uncover the implications of this shift, from how buyers must now directly pay their agents to what sellers should consider when offering commissions to buyers' agents.
We break down five critical reasons why sellers might still want to offer these commissions, highlighting benefits like market perception and smoother transactions.
As we wrap up, we extend our gratitude to our loyal listeners on platforms like Apple and Spotify. Your engagement and support are the driving force behind our podcast. Reflecting on the central themes of gaining an edge and right-sizing your life and home, we encourage you to stay tuned for more practical advice and insightful discussions in our upcoming episodes. Thank you for being an integral part of our community. Until next time, take care!
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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
We Would Love to Hear Your Feedback!
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.
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
We Would Love to Hear Your Feedback!
Unlock the mysteries of title insurance with the guidance of Jane 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 Jane 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
Unlock the wisdom of Nathan Phillips, the innovative CEO steering the North Shore Senior Center, as we unravel the tapestry of services revolutionizing senior care. From vibrant fitness classes to critically-needed social services, this center isn't just a beacon for those in their golden years but a lifeline for individuals from 12 to 109, including young people with disabilities. Nathan walks us through the center's rich history and the incredible volunteer spirit that breathes life into every program, ensuring that whether it's through a food pantry or medical equipment lending, support is always within reach.
The world is changing, and so are the faces of our seniors. With lifespans extending and the 'senior' label now spanning generations, Nathan sheds light on how centers like North Shore pivot to cater to this diversity. We tackle ageism head-on, discussing its impact on seniors' roles in the workforce and the broader economy. As we emerge from the isolation shadowed by the pandemic, Nathan shares the integral ways in which the center fosters connection and engagement, fortifying the community against the solitude that too often accompanies aging.
Technology isn't just for the youth, and Nathan proves that with anecdotes of seniors mastering the digital world. The North Shore Senior Center stands out as a model of inclusivity, offering caregiver support and wellness programs that address the holistic needs of this evolving demographic. From the Pants Wellness program's success stories to the personalized assistance from social workers, Nathan paints a picture of a senior center that's as diverse as the community it serves. Culturally specific programs ensure that no one is left behind, honoring the center's commitment to every individual's dignity—making this episode a heartwarming narrative of resilience and community.
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 –
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.
This episode is an extension of part 1: 5 clues you real estate agent is working for a commission, and not you. In episode one who described how you can tell if your agent is really working for you or a commission. In part 2, Judy and Dennis describe the qualities and actions you will see if your agent is truly working for you.
Real estate agents work almost exclusively by commission after a property sale. This can be good, if they are working hard for you. They will be rewarded. But, it can be a negative. Some agents work for a commission, and not you.
How can you tell?
In episode 35 of the Getting Your Edge: How to rights-size your home and life podcast, hosts, Dennis Day and Judy Gratton, will present Five Clues that tell you if your real estate agent is working for you, or just a commission. Don't miss this valuable information, that's great for Sellers and Buyers. This is episode one in a series of two episodes.
In this installment, we've partnered with a seasoned Medicare advisor, Kevin Anderson to unpack the critical changes for Medicare in 2024. Kevin was a guest on one of the first podcasts we hosted, and now we have him again.
Join us as we explore the complexities of Medicare, including the infamous "donut hole," shifts in enrollment times, and evolving drug costs. Our expert advisor provides invaluable insights into navigating these changes, ensuring that you maintain comprehensive healthcare coverage tailored to your evolving needs.
Discover the importance of finding a quality advisor who can guide you through the intricacies of Medicare, helping you make informed decisions that align with your requirements. Whether you're a soon-to-be retiree or already on a Medicare plan, this episode equips you with the knowledge and resources necessary to safeguard your health and financial well-being in 2024 and beyond.
In this compelling episode of Getting Your Edge: How to Right-size Your Home and Life Podcast, we delve into the urgent issue of protecting the American Dream of homeownership. Join us as we sit down with U.S. Congressman Adam Smith from Washington state to explore his bold legislative proposal aimed at preventing hedge funds from purchasing and investing in single-family homes.
Discover the backstory behind Congressman Smith's fight against the rising influence of hedge funds in the housing market and the potential threats they pose to the essence of homeownership. Gain insights into the intricacies of his proposed bill and its potential impact on safeguarding the dream of owning a home for countless Americans.
This episode offers a unique behind-the-scenes look at the legislative process, shedding light on the challenges and motivations driving Congressman Smith's commitment to preserving the integrity of single-family homes. Whether you're a homeowner, a renter, or simply interested in the intersection of finance and housing, this episode provides a thought-provoking exploration of a critical issue facing communities across the nation. Join us as we navigate the Downsizing Dilemma and learn how one congressman is taking a stand to protect the sanctity of the American Dream.
In Episode 31, we delve into the world of RV downsizing with Jason Thiel, of Pac NW RVs, as our expert guide. The episode kicks off with an insightful introduction to the concept of RV downsizing, highlighting its potential to simplify life and the necessary adjustments for embracing a temporary living arrangement. Jason sheds light on the practical flexibility RV living offers, emphasizing, however, that it requires meticulous maintenance compared to a traditional home.
Jason then discussion shifts to crucial considerations for potential RV buyers. Jason emphasizes the importance of suitable parking arrangements, urging listeners to inspect RVs thoroughly before purchase to avoid unforeseen, costly repairs. The episode continues to unravel valuable insights into RV financing and tax benefits, touching on Washington state's tax credit for trading in an RV and the varying interest rates between dealer and bank financing. Jason clarifies legal limitations on full-time RV living, providing a comprehensive view of the financial landscape for aspiring RV owners.
Moving forward, the episode delves into the often overlooked aspects of RV ownership costs and maintenance. Jason breaks down the budgeting essentials for repairs, services, and ongoing expenses beyond the initial purchase price. With components having shorter lifespans than traditional houses, Jason highlights the average service fees of $200/hour, underlining the cost-effectiveness of buying from a dealer for potential discounts. Then, we explore the logistics of full-time RV living, including the need for meticulous planning regarding locations, campground bookings, and emerging options like RV storage lots that offer flexibility for spontaneous trips.
The episode wraps up with a focus on finding the right RV dealer and salesperson. Jason stresses the importance of trust and issue resolution over chasing low prices. Listeners gain valuable insights into the meticulous inspection process provided by Jason himself, designed to catch potential problems, and the ongoing support offered post-purchase. The sales approach discussed underscores the significance of matching individual needs rather than pressuring buyers into unnecessary features. Tune in for a comprehensive guide to RV downsizing, purchasing considerations, and the intricacies of full-time RV living.
Jason Theil
Pac NW RV
PacNWRV.com
Co-hosts, Dennis Day and Judy Gratton, share their final thoughts of 2023 and look ahead to 2024.
The second most asked question realtors get is: Is it a good time to sell my home?
Judy Gratton and Dennis Day, of the Edge Group Team, take on this age old question.
In this episode, they explore the factors influencing the decision to downsize your home and delve into the current real estate market conditions. These expert realtors discuss whether the present climate is favorable for selling, providing listeners with valuable insights to make informed decisions about their downsizing journey.
In this heartwarming episode, join Dennis, Judy's, and Wesley as they dive into the world of pet care and discuss valuable insights from Wesley's company, Puget Sound Puppers. Offering a range of dog care services, including behavior consulting, daily walks, and in-home pet sitting, Puget Sound Puppers aims to make the lives of dogs and their owners smoother.
🏠 Segment 1: Planning Ahead for Paws
- Wesley shares wisdom on minimizing stress for dogs during moves or downsizing, shedding light on the importance of careful planning and consideration.
🐕 Segment 2: Stress-Free Moves for Dogs
- Explore the potential stressors of moving or selling a house on our four-legged friends. Learn to identify signs of stress and discover strategies to ease the transition at
🏡 Segment 3: Helping Dogs Settle In - The trio shares heartwarming advice on helping a dog adjust to a new home, emphasizing gradual introductions and creating a safe space. T
🚚 Segment 4: Safety First - Moving with Dogs
- Wesley and Judy's discuss the importance of keeping dogs safe during a move, suggesting trusted alternatives.
🌍 Segment 5: Tips for Smooth Transitions
- Gain practical tips for helping dogs adjust to a new home during a move, from trial runs to consulting professionals.
🚗 Segment 6: Traveling with Dogs - Car vs. Plane
- Wesley and Judy's explore the differences between traveling with dogs by car and plane, focusing on the well-being and safety of our furry companions.
🗺️ Segment 7: Planning for Pet Adventures
- The trio discusses scenarios involving pets, emphasizing planning, training for recall, and considering the dog's comfort in new environments.
🌱 Segment 8: Tailoring Transitions to Dogs
- Explore the importance of considering a dog's needs and preferences during transitions, with a focus on gradual introductions and individualized planning.
🚽 Segment 9: Potty Training and Territory Marking
- Delve into the nuances of potty training during a move, addressing potential issues and sharing expert advice.
🐶 Segment 10: Understanding Unique Animal Needs
- Judy's, Wesley, and Dennis conclude the episode by discussing the importance of considering the unique needs and behaviors of animals during transitions.
Whether you're a seasoned pet owner or a new dog parent, this episode is packed with insights to make every transition a tail-wagging success! 🐾 #PetCare #MovingWithPets #DogLovers
In this insightful podcast episode, hosts Judy and Dennis engage in a meaningful conversation with their guest, Scot Cruz from On the Go, Moving, focusing on the intricacies of moving from one home to another. The episode is dedicated to helping individuals who are planning to sell their homes and downsize into smaller, more manageable living spaces.
The hosts and their guest delve into a wide array of topics related to the moving process, offering valuable insights and practical advice. Here's a brief summary of the key points discussed:
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Effective Planning for a Smooth Move: Judy highlights the importance of giving advance notice when planning a move, emphasizing that it allows for proper preparation and accurate cost estimation. The conversation touches on the various services provided by On the Go, Moving, such as full and partial packing, furniture disassembly and reassembly, and meticulous unpacking.
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The Art of Packing and Protecting Valuables: Judy, Dennis, and Scot share their expertise on packing, including common mistakes people make when handling their own materials and the significance of properly packing fragile items. They also discuss the use of protective materials like newsprint paper and bubble wrap.
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Mitigating Damages During the Move: The episode provides valuable information on the different valuation options available for mitigating damages during the moving process, including the basic option that covers items at 60 cents per pound. Additionally, downsizing tips are shared, such as creating a "maybe" pile and utilizing donation or dump removal services.
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Navigating Different Types of Moves: The hosts and their guest explore a variety of moving scenarios, including downsizing to assisted living or nursing homes and handling out-of-state moves. They emphasize the importance of thoroughly vetting moving companies to avoid potential risks and scams and offer recommendations for reputable movers and storage options.
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Vetting Service Providers for Peace of Mind: Scot and Judy discuss the significance of vetting service providers by checking multiple platforms for reviews and looking for approval from the Utilities and Transportation Commission (UTC). Scot also offers to connect clients with other services, such as estate sales and interior designers, to aid in the downsizing process.
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Rules and Restrictions for Long-Distance Moves: The episode delves into the rules and restrictions associated with long-distance moves, including items that are prohibited from being shipped, storage options, the inventory system used, and an engaging story about moving a 26-foot-long couch.
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Handling Specialty Items and Disposing of Unwanted Belongings: The conversation touches on the additional costs associated with moving heavy and specialty items like pool tables and pianos. The hosts and guest explore various options for disposing of unwanted items, including consignment stores, donation centers, schools, and gyms.
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Comprehensive Services by On the Go, Moving: Scot introduces the array of services his company, On the Go, Moving, provides, including junk removal, hauling, and storage solutions.
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Recommendation for a Trusted Mover: The episode concludes with Dennis and Judy expressing their satisfaction with Scot's sincerity and knowledge, making plans to recommend On the Go, Moving, as their preferred mover.
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Future Endeavors and Business Insights: Judy and Dennis also discuss their future plans, including reaching out to the mover for lunch and considering the benefits of selling homes during the winter. They contemplate a Thanksgiving-themed podcast episode for their next project. Additionally, they touch on various business-related matters, such as email responses, sending reminders, boosting their podcast's reach, creating a business plan, and exploring advert
Why should I retire? What am I going to do with all that time? Listen to this episode for advice on how.
In this episode of the Getting Your Edge: How to Right-Size Your Home and Life podcast, co-hosts, Judy and Dennis, will interview Jim Siscel, a retired military veteran and public school educator, about his amazing adventures as a retiree. Jim Siscel, retired for 21 years, has attended games at 342 major and minor league ball parks all across the USA, including every major league city with his wife, Mary. Jim was named Seattle Mariner Fan of the Year in 2022. He's thrown the first pitch twice in major league parks, and presented the colors with other veterans at T-Mobile Park. Jim and his wife also spent time traveling extensively in Europe, Alaska, and the US. They followed the Lewis and Clark Trail from Missouri to the Pacific, visiting historical sites and ball parks along the way.
Jim shares his adventures and insights into how to use your retirement to the fullest. Don't miss this fascinating episode about a life well lived, and still going.
One of the most common questions in real estate is: "What is the best time to sell my home?" And we have answers.
The real estate market has a yearly cyclical pattern that varies little from year to year. Even during the pandemic. In this podcast episode, Judy and Dennis, discuss what this predictable cycle is, and how homeowners can take advantage of the pattern to make informed decisions about when it is the right time to sell their home, for their specific needs.
Welcome to a comprehensive exploration of life insurance in this enlightening podcast episode of the Getting Your Edge: How to Right-Size Your Home and Life Podcast. Join co-hosts Dennis Day and Judy Gratton, as they interview Libby Carr and delve deep into the world of financial planning for individuals aged 50 and above. In this extended discussion, we aim to provide you with invaluable insights into securing your family's future and achieving peace of mind through life insurance.
Part 1: The Foundations of Life Insurance
Libby opens the discussion by introducing the concept of holistic financial planning, emphasizing the significance of both tangible and intangible assets in one's financial portfolio. The trio discusses the broader perspective of financial planning, where life insurance plays a pivotal role. Libby highlights the importance of life insurance for those aged 50 and above, especially for those considering downsizing their homes.
Part 2: Unpacking the Types of Life Insurance Policies
In this segment, we dissect the nuances of various life insurance policies. Dennis, Judy, and Libby delve into the differences between cash value and term insurance policies, shedding light on the advantages and disadvantages of each. You'll discover the intricacies of policy selection, tailored to your unique financial goals and family needs. Additionally, the hosts touch upon the inclusion of additional benefits in some policies, such as long-term care or critical illness coverage, allowing policyholders to access funds for specific healthcare needs.
Part 3: Navigating the Complexities of Life Insurance
As the discussion continues, Dennis, Libby, and Judy explore various critical aspects of life insurance policies. They address common questions about age limits for obtaining coverage, the possibility of borrowing against policies, and how to determine the right coverage amount based on your specific circumstances. Moreover, they distinguish between life insurance and annuities, highlighting the suitability of each for different financial objectives.
Part 4: The Role of Annuities in Financial Security
Annuities take center stage in this segment as the hosts discuss their role as a flexible savings vehicle. Learn how annuities provide guaranteed income and financial protection for your loved ones. The importance of diversification in your investment portfolio is also emphasized, and you'll gain insights into how independent insurance agents can help you find the best insurance policies, especially when dealing with unique health conditions.
Part 5: The Value of Independent Insurance Agents
Discover the value of working with independent insurance agents. Dennis, Libby, and Judy elaborate on why you should inquire whether an agent is independent. They shed light on how agents are compensated through commissions from insurance carriers and share factors that influence insurance premiums, such as age, health status, and underwriting considerations. By the end of this segment, you'll have a clear understanding of how to navigate the complex world of insurance, armed with the knowledge needed to make informed decisions.
Part 6: Demystifying the Insurance Process
The hosts conclude their discussion by breaking down the process of obtaining a life insurance policy. They discuss customization options through riders and explain the roles of policy stakeholders, including the owner, insured, and beneficiary. Furthermore, the episode touches upon the inclusion of mortgage insurance within a life insurance policy and mentions Libby's Christmas book, which offers further financial wisdom.
Libby Carr
Carr Financial Advocates
Phone: 425-223-8556
Email: libbycarr007@gmail.com
Christmas Book Website: ***HowDotheReindeerFly.com
Link to Graphic: https://acrobat.adobe.com/id/urn:aai***
In this enlightening episode of "Getting Your Edge," hosts Dennis Day and Judy Gratton sit down with senior housing expert, Erin Kershaw, who specializes in helping individuals and families make the right move when it comes to senior housing solutions. With a focus on downsizing and optimizing their living situations, their guest brings a wealth of experience in placing people in senior homes, assisted living facilities, memory care, and arranging in-home assistance.
Throughout the episode, listeners gain valuable insights into the often complex and emotional process of downsizing for seniors. The discussion touches on various aspects of senior housing solutions, including the range of options available, the considerations involved in choosing the right fit, and how to navigate the financial and emotional aspects of the transition.
Erin also shares personal stories and success stories from their work, shedding light on the positive outcomes that can result from making the right move at the right time. Whether you're a senior contemplating downsizing, a family member seeking guidance, or simply curious about senior housing solutions, this episode offers practical advice and compassionate wisdom to help you or your loved ones embark on this important journey with confidence and peace of mind. Tune in to Episode 23, "Making the Right Move - Senior Housing Solutions," and take your first step towards rightsizing your home and life.
Whether you're a first-time buyer or a seasoned real estate enthusiast, this episode is a must-listen for anyone considering purchasing a condo. Tune in to "Condo Clarity: Why the Resale Certificate Matters," and embark on your condo ownership journey armed with the insights you need to succeed. Judy and Dennis will discuss the purpose of the resale certificate, what documents are included, and why they are so important to examine before you make a condo purchase. Knowing how to use this required and power packed information, could save you thousands of dollars, and a massive bad experience.
*The real estate contract details discussed in this episode only pertain to Washington State Real Estate Law. Your state, province, or country may have different rules and requirements.
In this episode of "Getting Your Edge," hosts Dennis Day and Judy Gratton, explore the world of limited-stay condos, examining their advantages and drawbacks in the context of right-sizing one's life. These unique vacation properties offer affordability, and low maintenance, making them an appealing option for those seeking a getaway without the commitment of full-time living. However, their restricted usage and association fees can pose challenges. The episode underscores how limited-stay condos can align with the right-sizing concept, providing a balance between a primary residence and a traditional vacation property, making them ideal for seasonal escapes and diverse experiences. Listeners gain a comprehensive understanding of the considerations involved in owning these condos and how they can shape one's lifestyle choices.
Join us for episode #20 the "Wine Wisdom: How to Rightsize Your Collection When Moving to a Smaller Home" as we uncork practical wisdom with Jim Gratton, a seasoned wine industry veteran with three decades of expertise. Discover the art of downsizing your cherished wine collection while transitioning to a cozier abode. Tune in to explore strategic sipping tips, cellar organization hacks, and sentimental selection strategies that ensure your treasured vintages find the perfect new home. Whether you're a casual enthusiast or a connoisseur, Jim's insights will help you savor every moment of this downsizing journey.
When your current home is not working for you: Do you buy a different home first, then sell? Or do you sell your current home, then buy the next home? It's an age old question, that has no easy answer. In Episode 19 of the Getting Your Edge: How to right-size your home and life podcast, Judy and Dennis will help you decode this dilemma so you can find the right answer for your situation. Each scenario has it 's pros and cons. And market conditions can influence your decision. After listening to this podcast, you will have a better understanding of how to approach this question, who you should talk to, and how the process works.
This episode of theGetting Your Edge podcast that explores the intricate balance between costs and value when choosing home remodel projects before selling your home. Join our expert hosts, seasoned real estate agents, Judy Gratton and Dennis Day of the Edge Group Team and EXP Realty, as they dive into the world of home renovations with a financial lens. Some remodel projects will not recoup your investment. However, some projects will add value over your costs, when you sell your home. Find out which projects will get you the best "bang for the buck." Judy and Dennis will help you make the best decisions, so you can bring in top dollar when you sell your home.
"Six Factors That Determine Your Home's Value" is an engaging and informative podcast that delves into the key elements that influence the worth of a residential property. Hosted by Dennis Day and Judy Gratton of the Edge Group Team, this podcast explores the various factors that contribute to the appraisal and market value of a home.
The topics covered include location, property size, condition and age of the home, economic health of your area, real estate market trends, and price of homes that sell in your neighborhood.
The podcast takes a deep dive into each factor, exploring how it impacts a home's value. Listeners will gain valuable insights into how different elements interact and influence one another, such as how location and nearby amenities can impact property size and desirability, or how market trends and home condition affect appraisal values.
By exploring these six factors comprehensively, listeners will gain a better understanding of the nuances involved in determining a home's value, empowering them to make informed decisions in the real estate market.
Most of use dream about owning a vacation home in a special location. A place you can go to year after year, and have fun or relax in your own home, not a hotel or short-term rental. But the cost can put this dream out of reach. Plus the home sits empty most of the year. And you are stuck with all the maintenance and repairs. So, instead of relaxing at your vacation, your fixing things. Ugh!
That's where Pacaso is a fantastic alternative. Pacaso sells partial ownership of luxury vacation properties in amazing locations. It's not a timeshare, where you are locked into certain weeks. It's real ownership, that you buy and sell. In this episode we interview Marnie Blanco, Vice President, Industry Relations for Pacaso, about what is partial ownership, how it works, and how you can view available properties and buy into a dream. Tune in to see if you can make your dream of a vacation home, a reality.
Is a reverse mortgage a scam or a possible financial savior, ?
In this enlightening episode of "Reverse Mortage: Scam or Savior" we dive into the world of reverse mortgages and their potential benefits for seniors who are considering downsizing. Our guest expert, Frank Borg of Fairway Mortgages, is a renowned authority on reverse mortgages with years of experience guiding seniors through this financial option.
Hosted byJudy Gratton and Dennis Day or the Edge Group Team, this episode is designed to provide valuable insights and practical advice to seniors who are exploring downsizing as a means to enhance their retirement lifestyle. With rising living costs and evolving financial landscapes, seniors are seeking innovative ways to unlock the equity in their homes while maintaining financial stability.
Throughout the episode, Frank Borg shares his deep knowledge and expertise on reverse mortgages, explaining how they can empower seniors to maximize their financial resources. Listeners will gain a comprehensive understanding of how reverse mortgages work, the eligibility criteria, and the potential pros and cons associated with this financial tool.
The conversation delves into various topics, including the flexibility of reverse mortgages, the impact on inheritance, and the responsibilities of the borrower. Frank addresses common misconceptions surrounding reverse mortgages and sheds light on the crucial factors to consider before making a decision.
Furthermore, the episode offers real-life stories and testimonials from seniors who have successfully utilized reverse mortgages to downsize their homes and improve their quality of life. These personal accounts provide listeners with a practical understanding of the benefits and implications of choosing this financial path.
Whether you're a senior considering downsizing or a concerned family member seeking guidance for your loved ones, this episode offers invaluable information to help you make informed decisions. Tune in to "Reverse Mortgage: Scam or Savior" and join us as we demystify the world of reverse mortgages and discover how they can be a powerful tool for seniors embarking on their downsizing adventure.
Frank Borg
frank.borg@fairwaymc.com
3400 188th ST SW, STE 185, Lynnwood, WA, 98037
425-949-2889
Aging in place refers to the ability of older adults to remain living in their own homes or communities independently and comfortably, as they age and their needs change. It involves making modifications to the physical environment and accessing support services to ensure that seniors can continue to live safely and securely in their familiar surroundings. Aging in place is often seen as an alternative to institutional care or moving to a new location, allowing older adults to maintain their autonomy, social connections, and quality of life.
In episode 14, we speak with local Aging in Place expert Tom Minty to inform you about what is aging in place is, and how it might work for you. Tom is an established John L. Scott realtor based in Issaquah. But he is also heavily involved in educating real estate agents about Aging In Place (AIG), and establishing norms on the MLS, for listing homes that may serve those with disabilities. Tom Minty is also on several non profit boards dedicated to making housing more accessible to the elderly and the disabled. Judy Gratton and Dennis Day welcome Tom Minty.
Tom Minty
John L. Scott Issaquah
1700 NW Gilman Blvd #300,
Issaquah, WA 98027
(206) 617-3935 **Email: tommi@johnlscott.com
Northwest Universal Design Council
https://www.environmentsforall.org/home-checklist/**
The 1031 exchange is a tax strategy that allows investors to defer capital gains taxes on the sale of investment property by reinvesting the proceeds in a new property. This can provide a significant financial advantage for investors looking to build wealth through real estate investments.
In this episode, we'll cover the basics of the 1031 exchange, including the requirements for eligibility and the timeline for completing an exchange. We'll also dive into the benefits of using a 1031 exchange, such as the ability to leverage gains into larger investments, increase cash flow, and defer taxes.
Our guest expert for this episode is a real estate attorney, Richard Morse, of Washington Exchange Services, who has extensive experience in facilitating 1031 exchanges. We will share his insights on the legal requirements for a successful exchange, as well as some tips for avoiding common pitfalls.
Whether you're a seasoned real estate investor or a homeowner thinking of downsizing and renting their forever home, this episode will provide valuable information on the 1031 exchange and how it can help you grow your investment portfolio while minimizing your tax liability. So sit back, grab a pen and paper, and get ready to learn about the powerful tax-saving tool that is the 1031 exchange.
Richard Morse
Washington Exchange Services
Address: 19633 109th Place SE, Bothell, WA 98011
Phone: 206-522-1031
Email: richard@freetaxexchange.com
Web: https://www.freetaxexchange.com/
Regenerate response
Is it a good time to buy? Is it a good time to sell? What about interest rates? Are they going up or down? Can I buy now, then sell? We interview Robert Garrod, of Homeseed Loans and the Garrod Group, to answer those questions and more in Ep. 12 of the Getting Your Edge: How to right-size your home and life podcast. Robert is an independent mortgage broker, who can give us the up-to-date school on mortgages, interest rates, and how to buy, then sell in today's real estate market. If you are thinking of downsizing, Robert Garrod, has an amazing mortgage product that you wouldn't believe, and could set you on a path to a dream home, rightsize, or whatever you want to achieve. Find out what will work for you!
Is it a good time to sell your home? It's a question many homeowners are asking now. With interest rising, have all the buyers dropped out of the market? Should I spend a lot of money updating my home before I sell? If I want to sell my home now, how do I do it?
Edge Group Team members and Podcast hosts, Judy Gratton and Dennis Day, tackle these questions and more. During this episode you will learn what the current real estate market conditions are now, based on evidence, not hearsay. You will hear concrete steps that tell you how to prepare your home so it shines the first day it hits the market.
Judy and Dennis also provide tips so you can avoid common pitfalls that may prevent you from selling your home quickly and for the best outcome possible. And they share the marketing programs that John L. Scott offers, and the steps every realtor should be doing market home for a successful sale .
Whether you are thinking about selling your home soon, or years in the future, this podcast will present you with solid information you can use now, or years from now.
You want to downsize your life, but what about all that STUFF? In the garage. In the spare rooms., in the attic, and basement.
How about turning your unwanted possessions into cold, hard cash! Or at least a cashier's check. In episode number 10, we interview, Joe Aboubakr, owner of Honest Estate Sales, and he will tell you how to do just that. Joe's business is built on getting things out of your house and money in your pocket. Joe and his Honest Estate Sales team, will transform your home into a retail store, and sell the STUFF you don't want to haul with you to your next adventure. Joe is a certified appraiser, and can spot the hidden gems that will bring in top dollar. All you have to do, is pull out the items that you don't want to sell. Listeners will also learn when it is the best time to sell, items that are popular, and how the estate sale process works. Don't miss this fun, and informative episode!
Over 11,000 baby boomers are turning 65 years old every day in the USA. That equates to stacks and stacks of mailers and advertisements on the coffee table. The TV blares out incredible sounding benefits, and those phone calls? Will it ever stop? What is a person to do?
Congress designed Medicare to be a complex beast for sure. Top that off with about 100 companies nationwide selling Medicare. What is the difference between PART A & C and PLAN A or C? How do I choose the right plan?
In this episode, “Medicare A to Z, our guest, Kevin Anderson, shares his 25 years of insurance expertise to help you prepare yourself for one of the most important and difficult medical plan choices you will ever make.
This episode delivers valuable information for everyone already on a Medicare Plan and those preparing to turn 65 yrs old in the near future. Don’t miss it.
Kevin Anderson MBA, PHR
Phone: 360-355-6555
Email: medicarekev@gmail.com
Anderson Senior Care; PO Box 1414, Long Beach, WA, 98631
What would happen to your home and assets if you died? Do you have a will or trust?
60% of Americans do not have a will at their time of death according to, Brady Blake, of Sound Legal Solutions. Brady is a practicing attorney in the state of Washington, who specializes in creating wills, trusts and estate planning for his clients.
In this episode, “If There’s Will There’s a Way: Wills, Trusts, and Estate Planning 101, our guest, Brady Blake shares his legal expertise to help you prepare yourself for the inevitable, so your loved ones are taken care of and the assets you worked so hard to build stay out of a lengthy legal process when you die.
This episode delivers valuable information for everyone. Even if you are not downsizing or don’t own a home. Don’t miss it.
Brady Blake
Sound Legal Solutions
Phone: 425-977-9971
Email: Brady@SoundLegalSolutions.com
Web: www.soundlegalsolutions.com
6100 219th St SW #480, Mountlake Terrace, WA 98043
In a perfect world, you could sell the family forever home, live off the cash, and start a new life, doing whatever you want. Unfortunately, it usually isn't that simple. There is so much more to downsizing then, sell and go. Such a big change can be challenging because there are so many different things at play when getting ready to make a life changing transition like: your income and expenses, taxes, social security, estate planning, wills, and trusts. The big question is: Do you have enough money to do what you want to do?
That's why we invited Mike Rue of Evergreen Wealth Management to be our guest for episode 8; Time to Downsize: Can You Afford It? Mike shares his knowledge of wealth management, to give you listeners insights into the process of downsizing, and tips and strategies to find out if your plans fit your budget.
Mike Rue takes a holistic approach to downsizing when he advises his clients. He works with vetted professionals: like estate planners, accountants and tax advisors, and quality real estate brokers like the Edge Group Team, so your decisions are based on a complete picture of your life's situation.
Join Dennis Day and Mike Rue to learn how you can make your downsizing decisions work for you and your budget for a successful process.
Website: https://www.evergreenwealthmanagers.com/contact-us/
Email: Mike@evergreenplanning.com
Edge Group Team Website: www. edgegrouprealestateservices.com
Many of us have dreamed of living for an extended time in another country. Or maybe even retiring somewhere outside the United States. But living in a foreign country is not for everyone.
Meet our special guest Steve Novak, a retired US citizen, who started traveling at age 16, has visited 70 countries, and inhabited extensively in over 20 different places. Steve, now resides in Buenos Aires, Argentina full time, and has even obtained a green card to live and work there.
We'll ask Steve to explain what it's like to live abroad. This interview will explore, health care, money, taxes, visas, language, food, and adapting to the lifestyle of a place outside the US.
As a world traveler, Steve Novak will provide insights into living as an ex-Pat, so you can decide if living abroad is in your future. Do not miss this episode!
The Real Estate Market and Mortgage Interest Rates took a wild ride in 2022. What should we expect for 2023 in the real estate market? How about the Mortgage market? Will interest rates keep rising? Join the Edge Group Real Estate Team for an interview with Robert Garrod, Mortgage Specialist, and VP of Growth at Homeseed Loans. Robert shares his 10 years of mortgage broker experience and expertise to answer those tough questions, and shares some insights for what's coming up in 2023. This is valuable information for both buyers and sellers. Happy New Year!
To reach Robert Garrod directly, use the information below:
Office: (425) 455-4663
Mobile: (206) 963-4562
Email: robert@homeseedloans.com
Web: https://robertgarrod.homeseedloans.com/
Consistently, maintaining your home is the best way to protect your biggest investment. Whether you are planning your downsizing adventure, or staying put, it is critical to maintain your current home so that when you are ready to sell there will be no major repairs.
Mike Wright, owner of Wrightway Inspections, a professional inspector in the Puget Sound area gives advice on simple things to watch out for to preserve your home’s integrity and avoid as many surprises as possible when it is time to sell.
Mike Wright shares his valuable expertise to give you the information every homeowner needs, whether they are looking at downsizing or not.
We hope you enjoy it.
This episode was taken from a recorded video with the same content. If you are interested in viewing the video, a direct link of the Youtube video, click here: https://www.youtube.com/watch?v=ktgzuPbaS_Y
You are ready to rightsize! But where do you go? In episode three, hosts Judy and Dennis share the pros and cons of different dwellings and lifestyle choices, like: the beach, desert, mountains or rural areas. You'll also learn about all types of dwellings, from Retirement community, RV, Condo, Townhome to "aging in place" and more. Don't miss this episode packed with information to help you choose the right lifestyle and home that fits all your needs and desires.
Episode two focuses on what it takes to downsize from a large, forever home, to something smaller that fits your lifestyle now, and in the future. From budget to vacation home, you will get tips and advice on achieving your downsizing goals. Using the 5m W’s (who, what, where, when, why) and How of Journalism Judy and Dennis will break down a system that you can build a downsizing plan around. And you’ll get a few stories to illustrate their points.
In episode number one, our hosts, Dennis Day and Judy Gratton, will explain to you what their podcast is about, introduce themselves to you, and lay the groundwork for upcoming episodes about "Rightsizing" your home and life