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 EducatedDOJ'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  – " rel="nofollow">

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 TheilPac NW RVPacNWRV.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:1. **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.2. **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.3. **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.4. **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.5. **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.6. **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.7. **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.8. **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.9. **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.10. **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 CarrCarr Financial AdvocatesPhone: 425-223-8556Email: libbycarr007@gmail.comChristmas Book Website: HowDotheReindeerFly.comLink 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 called "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.