Getting Your Edge: How to Rightsize your Home and Life‪.‬ Judy Gratton and Dennis Day

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-alertFederal Trade Commission's Consumer Alerts –  https://consumer.ftc.gov/consumer-alertsAARP 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.