You will be hearing from some experts in thehealth care field and the in-home assistance industry.

Whatdo YOU want to accomplish with YOUR mortgage? Let’s talk! Call meat (615) 924-6215. Subscribe to get Real Estate Mortgage Shoppepodcasts with show notes weekly at www.TNRDHomeLoans.com

ToYour Success,

McKenzie Mortgage RD Loans, Mortgage Loan Officer NMLS #757308 (currently with Sierra Pacific Mortgage)

WELCOMETO REAL ESTATE MORTGAGE SHOPPE!

Goodmorning, Memphis! Welcome to our internet listeners and podcastlisteners across the 50 states! You’re on Real Estate MortgageShoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. You canconnect with me at www.TNRDHomeLoans.com. Our topic is FinancingResources and Other Assistance For Aging or Handicapped Loved Ones. Subscribe toget Real Estate Mortgage Shoppe podcasts with show notes atwww.TNRDHomeLoans.com Call us whilewe’re live today November 30^th,2019 at (901)535-9732.

INTRODUCING GREG INMAN OF NEXT DAY ACCESS

(Jo) Greg Inman of Next DayAccess are back in the studio. welcome back to Real Estate MortgageShoppe. Your business Next Day Access continues to have an A+ BetterBusiness Bureau rating. You are a great resource for people who needsome home modifications to make it safer to remain in their own home. Tell our listeners a little bit about yourself and what productsand services you offer to your customers. (Gregintroduce himself and lists some of the products and services heoffers his customers)

INTRODUCING DENISE WARD OF BAPTIST TRINITY HOME HEALTH & HOSPICE

(Jo) Denise Ward of Baptist Trinity Home Health & Hospice. Welcome toReal Estate Mortgage Shoppe. You are a great resource in multiplesituations for families wanting help when loved ones experiencehealth challenges. Take a moment to introduce yourself and talkabout some of the services you offer families. (Denisentroduces herself and talks about the services Baptist offersfamilies)

INTRODUCING MARY LOU NOWAK OF MID-SOUTH HOME HELPERS

Onthe phone we have joining us again, Mary Lou Nowak, owner ofMid-South HomeHelpers. Mary Lou it is always great having you backin the Real Estate Mortgage Shoppe studio. You are such an assetwhen it comes to assisting people to find solutions for the changingneeds of aging and handicapped loved ones who need non-medicalassistance to remain in their own home. Take a moment and introduceyourself to our new listeners. Talk about some of the services youoffer. (MaryLou introduces herself and talks about her services)

(Jo)Most of ourlisteners know that I love to talk about my amazing mortgage clients.They had taught me so much over the years with how they respond whenlife throws its curve balls.

Today,though, I would like to share a personal family story. One very coldday in March of 2013, more than just the frigid air caused a chill torun up and down my neck. I had tried repeatedly hour after hour tocall my mother at home and there was no answer at the house and noton her cell phone either. Something was wrong. I got in my car andstarted driving the hour and a half to get to her house out in thecountry.

WhenI got out of my car, I could hear her cries for help coming from thegarage. She had fallen over five hours earlier and fractured herhip. The ambulance came and the doctors took over. Combined withMother’s other medical challenges, the fractured hip meant Motherwould never be able to live alone.

Likemany families, my sister and I had to make some snappy decisions. Mysister worked in the health care field and arranged for Mother tomove to an assisted living facility following her rehab. It wasobviously going to be a long-term expense and I knew we couldn’topt for a short-term solution to a long term problem to help coverthe costs.

Wesold some items and stored others and rented Mother’s house totenants who paid enough rent to help offset some of Mother’sexpenses. I told Mother, “ You took such good care of your housefor so many years. Now it is time for your house to take care ofyou.” Forus, getting ongoing rental income from Mother’s house was theperfect long-term solution to match the long-term challenge.

Todaymother lives in a tiny house close to family and friends where shegets 24/7 help and can enjoy having her own home again. She callsthe tiny house her “doll house.” After a few years staying inthe assisted living facility, Mother’s situation changed and buying a tiny house later became a better solution for Mother and much forcost-effective too.

Whatdo YOU want to accomplish with YOUR mortgage? MAKE YOUR PLAN.LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DOIT TODAY. Connect with me at www.TNRDHomeLoans.com.Email me at This email address is being protected from spambots. You need JavaScript enabled to view it. orjust call me at (615) 924-6215.

You’reon Real Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, MortgageLoan Officer. What do YOU want to accomplish with your mortgage?Make your plan. Let’s work your plan if the deal works for youtoday, let’s do it today. When we come back Denise Ward, Greg andKelly Inman and Mary Lou Nowak will be talking about some solutionsthey offer that have helped many families needing to make lifechanges.

THELOOK BACK MEMPHIS TRIVIA CONTEST

^2ndsegment after 9:15 break:OurLook Back Memphis Trivia Contest is brought to you by notableMemphis historian, Jimmy Ogle. Google Jimmy Ogle and Pink Palace tofind Jimmy’s entertaining presentations on Memphis history. Forinformation about Jimmy Ogle, go to www.JimmyOgle.com. The Look Back Memphis Trivia Contest is sponsored by John andJennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s canhelp you plan your landscaping if you have a BIG, BIG project or asmaller project or you can do the big project in phases . The Lawhonsare giving away a $25 gift card to the first person with the correcttrivia answer. If you know the answer to our trivia question, callus at 901 535 WREC 901 535-9732.

Garner# 165 * 11/30/19
ShelbyCounty

Question: Memphis, andothers, is very glad to call me “home” for 200 years. Who amI?

Hint:I am the first of my kind in Tennessee, west of the Tennessee River.

Hint:My200^thbirthday was November 24 (this year – 2019).
Hint:My name sake is a veteran of the Revolutionary War and the War of1812.FinalHint: I am the largest of my kind in the State of Tennessee.

Answer:ShelbyCountyand I am named for Isaac Shelby, Governor of Kentucky and U.S.General in both the Revolutionary War and War of 1812. Isaace Shelbywas neither a Memphian nor a Tennesseean. In 1818, Shelby and Gen.Andrew Jackson negotiated a treaty with the Chickasaw Nation for alllands west of the Tennessee River to the Mississippi River (6.8million acres) for a price of $330,000. That land is now 21 countiesin what is collectively known as “West Tennessee”. ShelbyCountywas founded in 1819, with the town of Memphis being laid out in 1819and incorporated in 1826.

ShelbyCounty now has seven municipalities incorporated within itsboundaries: Arlington (1900), Bartlett (1866), Collierville (1870),Germantown (1841), Lakeland (1977), Memphis (1826) and Millington(1875). Shelby County is the largest county in the State of Tennesseein both population (927,644) and acreage (755 square miles). Theseseven municipalities and Shelby County recently celebrated ShelbyCounty’s 200^thBirthday at Shelby Farms Park with an event entitled “CELEBRATESHELBY”.

Jimmy Ogle has retired from walking toursin Memphis. Twelve of his Memphis History lectures entitled MakingMemphis – Storytelling by JimmyOgle may be viewed for FREE on the internet by Googling “JIMMY OGLEPINK PALACE”. View JimmyOgle.comfor more information.

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TOPICS COVERED BY DENISE WARD, BAPTIST TRINITY HOME HEALTH & HOSPICE

Hospicecare is an additional level of home care, which offers patients andfamilies the support of a specially trained team with expertise inpain and symptom management. This treatment is focused on comfort andquality because curative treatments may not be an option. Hospicecare can be provided anywhere patients call home, including theirhome, nursing home and our BaptistReynolds Hospice House.

Hospicecare includes routine care, general inpatient care and respite care.Respite care is short-term care that can be provided based on thepatient/family’s need. A nurse and the medical director recommendthe appropriate level of care for patients. Short-term inpatient caremay be necessary for better management of pain and symptoms.

HomeCare: Baptist also provides in-home hospice services through WestTennessee and North Mississippi under the Baptist Home Care andHospice and Baptist Home Care and Hospice name.

Palliativecare provides patients who are diagnosed with a chronic orlife-limiting condition with the following services, in an inpatienthospital setting:

• Advance care planning
• Do-not-resuscitate status clarification
• Symptom management
• Family support to guide decision-making
• End-of-life care for patients not appropriate for hospice
• Inpatient or home-hospice coordination
• Spiritual support

BaptistMemorial Health Care has partnered with LHC Group to provide homecare services for our patients. Skilled nurses, therapists and othermedical team members provide temporary rehabilitative and curativecare. Baptist Home Care staff are available 24 hours a day, sevendays a week, and are covered by Medicare and many private insuranceplans. Skilled nurses and therapists work with a multidisciplinaryteam to provide care that helps patients manage their own healthwhere they most want to be — at home. Home care includes medicationmanagement, disease education, and teaching caregivers and patientshow to assist with wound care and therapies and helping patients feeltheir best. Our therapists can help patients get stronger whilerecovering from surgeries and falls. We also assist patients withactivities of daily living so they can be as independent as possible.

HomeCare Patient Criteria

• Patients must be homebound. According to Medicare, this means a patient may leave the home only infrequently, and it must require taxing effort to do so.
• Patients must have a need for “skilled” services: physical therapy, occupational therapy, speech therapy or skilled nursing.
• Medications are not covered as part of home care services, though certain supplies are.

HomeCare Services

• Skilled Nursing
• Physical Therapy
• Occupational Therapy
• Speech Therapy
• Wound Care
• IV Therapy
• Postsurgical Care
• Certified Nursing Assistant Care

TOPICSCOVERED BY NEXT DAY ACCESS- THE INMANS

1. What products and services are offered by your company?

Stair lifts, chair lifts, grab bars, walk-in tubs, wheel chair accessand ramps and more

1. Who would benefit from your products and services? Someone who needs modifications to their home to comfortably and safely live there. Temporarily or permanently

1. Can you choose to rent or buy these modifications? If you have had surgery or broken your leg, you may only need these modifications temporarily. You have the option to rent the equipment and give the equipment back when you don’t need them anymore. If you need to modifications permanently, you have an option to finance the purchase through Next Day Access or pay cash.
2. Give an example of how your company has helped others. Greg tells story of how one of his clients had knee surgery. They were able to get the modifications done quickly and temporarily so she could use the equipment until she recovered.

TOPICSCOVERED BY MARY LOU NOWAK, MID-SOUTH HOME HELPERS

1. What kind of services do you offer your clients? Non-medical assistance in the home. They can help your loved one with the daily activities of life-preparing light meals, eating, bathing, toileting, doing errands, going to doctor appointments and more
2. Share some stories of how Mid-South Home Helpers have helped their clients? When family caregivers need to go to their jobs to work, Home Helpers can come in and take care of their loved one, giving family caregivers, a break and peace of mind.
3. What are some other ways you have helped your customers outside the normal services you offer at your agency? Mary Lou has been known to help people who are filing long term care claims, showing them ways to file that allow them to use every cent possible of the long term care insurance policy without leaving money on the table.

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TOPICSCOVERED BY JO GARNER, MORTGAGE LOAN OFFICER

1. What mortgage programs are popular for older borrowers making transitions in housing arrangements:
2. Reverse Mortgage- Let me introduce you to Ms. Opal Osborn. Let’s start with Opal Osborn’s story. Ms. Osborn’s husband of 50 years had passed away. She did not have much money left after her husband’s death, but she owned her home worth about $175,000 free and clear.

Herson called me after listening to Real Estate Mortgage Shoppe, radioshow I host, and told me his mother wanted desperately to continueliving in her home but needed money to make some repairs and, afterher husband passed away, she lost some of the income they had beenenjoying. She was going to be forced to move unless we could find asolution.

Afterchecking into some things, we were able to get Ms. Osborn approvedfor a reverse mortgage where she could get part of the money upfrontto make the needed repairs on her home and then she could receiveincome each month from the reverse mortgage program. The reversemortgage was a god-send for Ms. Osborn.

1. Cash Out Refinance vs Home Equity Line of Credit:

LindaLovelace’s story

1. Linda Lovelace (not her real name) called me and told me that she and her adult daughter were pondering some options around possible living arrangements once Linda retired from her career. They were trying to decide whether Linda should downsize and buy a smaller home or invite her daughter and son-in-law to go in together with her to buy a larger home with a mother-in-law wing and sell Linda’s home.

Ms.Lovelace called me with this dilemma-should I stay or should I go? Her daughter’s family really liked the old home place whereLinda was already living. They liked the land and the pond and woodsout back and the layout of the house.

1. Ms. Lovelace had a licensed contractor come out to her current home and look at the feasibility and costs of separate living unit to the existing homeplace so that Linda could have her private space separate from other family members.

Thefamily looked at other homes and got estimates on what it would costwith money down and payments per month on other homes with the rightlayout and proximity to work and shopping and doctor’s offices.They compared these numbers to what it would costs to remodel and addthe extra living space onto Linda’s existing home. The decisionended up being to make the modifications to the old home place andfor everyone to live in remodeled existing home instead of moving.

Theycompared doing a cash out refinance on the home to get the funds toremodel or getting an interest-only home equity line of credit tocover the costs of remodeling.

Hereare some questions they considered when deciding between using afixed rate cash out refinance vs a variable rate home equity line:

1. Cash out Refinance on fixed rate mortgage-How long did they plan on keeping the home? If they planned on keeping the home for 5 years or more, the fixed rate cash out scored some positive points because the interest rate risk was zero since the rate would be fixed and would never go up. With the right pricing on the cash out refinance, keeping the house for five years or more justified the investment for the refinance cost.
2. Variable-rate Home Equity Line- Could Ms. Lovelace afford to liquidate some of her investments to pay off a variable rate home equity line of the market rates started shooting upward? With more-than-adequate investments over and above what would be needed to cover living expenses, the variable rate equity line might work if the home equity line did not include any upfront cost. Ms. Lovelace told me her investments were in a retirement fund. She said, she was not comfortable getting a home equity line with a rate where payments could go up because she did not ever want to be forced to liquidate a large chunk of her retirement fund to have to pay off a variable rate credit line if the payments got too high for her to handle. She said she did not like the possible tax ramifications.
3. Researching Cost For Remodel-Ms. Lovelace and her family considered what changes or upgrades they needed to make to the old homeplace to get the looks and layout to work for their family and the separate wing where Ms. Lovelace would live. She wanted to go ahead and make her part of the home wheel-chair accessible with other handicap accessible features, like grab bars in the bathroom and a walk-in tub etc.

Thefamily did some comparisons with professional cost estimates ofrenovation and remodeling to stay in the old home.

Theyconsidered how long it would take to get the renovations completed

Theyconsulted with some real estate professionals to make sure therenovations would not cause their home to be overbuilt compared toother homes in their neighborhood. They did not want to make itdifficult to resell and get their investment back one day.

1. Using Rental Income From The Existing Home to Fund Other Living Arrangements:

Earlierin this show I shared a personal family story about the day our liveswere changed, and my Mother’s life was changed too, in an instant. My sister and I were faced with some very big decisions that we hadto make really quickly. I remembered some wisdom that a financialadvisor had given to me years ago. “Never use a short-termsolution to solve a long-term problem.”

Mymother suddenly needed help with everyday living, and she would needhelp for a very long time. In trying to decide how to help fund herassistance, it was clear that selling her home was notthe long-term solution we needed. Shehad taken good care of her house for many years. Nowit was time for her house to take care of her.We hired a reputable property managementcompany to put some quality tenants in Mother’s house. The rentincome from her home has helped fund the cost of Mother’s care foryears in an assisted living facility. Later she was able to get herown little tiny house near friends and family members.

REALESTATE TIP OF THE WEEK (Greg and Kelly, Denise Ward and Mary Lou each share a real estate related money-saving or time-saving tip):

ANNOUNCEMENTS:

Talk Shoppe offers free networking &education to anyone interested in real estate or in business. TalkShoppe meets every Wednesday 9A-10A CT at ServiceMaster byCornerstone at 9575 Macon Rd Cordova, TN (corner of Big Orange andMacon Rd.) This Wednesday December 4^th, 2019 “WaterDisasters-How to Avoid, How to Mitigate, and How Insurance CompaniesHandle Water Claims”presented by Brett Carter, Service Master by Cornerstone ,901-6249200, and Lynn McDonald of the Erin McDonald Insurance Agency,901-849-7101

TalkShoppe events are free thanks to supporters like Tim Gilliland ofwww.BackupRX.com When you needto recover lost data on your computer, you will feel very thankfulwhen you call Tim at BackupRX and simply download all your data andsystem files immediately when you need it. Contact BackupRX aboutgetting your data automatically backed-up at www.BackupRX.com

Thank you to Trevor Day forcreating terrific green screen online promos for Talk Shoppe’ssponsors. Congratulations on starting your real estate career buyinghouses. www.RiverSurgeProductions.com

2. Jack’s Challenge. Whodo you know who is going through a hard time this holiday season? Invite them out for coffee. Spend time listening to them and beingthe friend they need. You may never know this side of heaven thepositive difference you can make.

4. Subscribe atwww.TNRDHomeLoans.com and you canget our weekly blog posts with podcasts conveniently in your inbox.

5. Real Estate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’SWORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

SPECIAL NOTE: REALESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL,LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING ORINVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOWOR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGESHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSESONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATEMORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WE USE FICTIONALCHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILSIN ANY OF THE SITUATIONS.

QUOTE CORNER:

Ann Landers “At age 20,we worry about what others think of us. At age 40, we don’t carewhat they think of us. At age 60, we discover they haven’t beenthinking of us at all.”

Booth Tarkington “Cherish all the happy moments, they make a fine cushion for old age.”

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REJOINDERS:

1. Jackie Woodside, Malborough, Massachusetts, author of Calming the Chaos
2. Mark McLaurine, Refrigeration Unlimited www.myhvacman.com
3. Nita Black, business strategist. Make money online sharing your knowledge and skills at www.901elearn.com

Transitional Music:Transitional Music: “Good Ole Days” by Roger Miller; “Remember Song” by Tom Rush; “ForeverYoung” by Rod Stewart

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ABOUT DENISE WARD, BAPTIST TRINITY HOME HEALTH & HOSPICE

901-268-6584

Over 15+ years in the medical field,most recently with Baptist Trinity Home Health and Hospice as anAccount Executive helping to educate physicians, medical staff andfamilies on how to navigate the appropriate medical care though outthe journey of life and when to transition into end of life care.

ABOUT GREG AND KELLY INMAN:

GregInman is the local franchise manager for Next Day Access,where he oversees sales, marketing, service management and hiring.Next Day Access offers wheelchair ramps, stair lifts, bathroom safetyproducts and other accessibility products for people withdisabilities or accessibility challenges.

Greg’shometown is Memphis, TN where he has been an entrepreneur andbusiness owner most of his professional career. He was co-owner ofInman-Murphy Termite and Pest Control for more than 12 years, as wellas founder and owner of GospelGigs.com,which he still owns and manages.

Greghas been married to his lovely wife, Kelly, for 26 years. They havefour boys: Alex, 25; Parker, 22; Dawson, 20; and Harrison, 18. Alexand his wife, Rachel, have given them their first grandson (Micah)and Parker and his wife, Aubri, gave them their first granddaughter(Sophia)

3150Stage Post Dr STE 103

Bartlett, TN 38133-4050

Home

Emailthis Business

(901)881-6769

ABOUT MARY LOU NOWAK –MID-SOUTH HOME HELPERS

MaryLou Nowak is a professional who began client care at a 500 bedcommunity hospital in 2001 and since, while working with seniors andtheir families as owner of Mid-South Home Helpers. Mary Lou knowswhat to do when it comes to providing non-medical assistance to youraging or handicapped loved one to allow them to remain safely andcomfortably in their own home. Mary Lou is also an expert inexpediting long term care insurance policies saving familiesthousands.

Mid-South HomeHelpers – (901)414-9696

ABOUTJO GARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?

www.TNRDHomeLoans.com (901) 482 0354 This email address is being protected from spambots. You need JavaScript enabled to view it. twitter @jogarner NMLS# 757308

“WhateverYOUR personal priorities are, my job is to help you get the mortgageterms that will give you bragging rights when you talk about it andhelp you score on hitting your goals .”

Asa mortgage loan officer, my job is to help you get to the benefitsyou want from your financing terms. What is most important to you? Ican help you find the financing terms that will help you get to whatyou want. What is your comfort level on a house payment? How muchare you comfortable paying down,? What type of financing do you needto get the house you want to buy or refinance?

Differentclients have different priorities in life—some are buying theirfirst home with very little down payment funds. Some are recoveringfrom medical challenges, divorces or preparing to send children tocollege and some are embarking on a long term goal of buyingproperties to build rental income.”

TNRDHomeLoans is a mortgage officer with extensive knowledge in tailoringmortgages to her customers who are refinancing or purchasing homesall over the country. She offers conventional, FHA, VA or other loanprograms for refinancing and purchases.

Jocan help you look at rent vs buy, when it makes sense to refinance,how to get the best deal on your home purchase financing.

TNRDHomeLoans has been in the real estate/financing business for over 25years. She got her start in Portland, Maine where she firstbegan her real estate career. She received her real estate educationfrom the University of Southern Maine and was personallymentored in San Diego, California by Robert G. Allen, author ofNothing Down,Creating Wealthand The Challenge.

Onmoving back to West Tennessee in 1987, she went into business buyingand selling discounted owner-financed notes secured on real estate. In 1990 Jo went to work for a residential mortgage company and hasbeen a mortgage loan officer for over 25 years. Her goal is tooffer excellent, affordable service to her customers, tailoring theloan programs to the specific needs of her clients.

In addition to her work in the mortgagefield, McKenzie Mortgage RD Loans is the primary sponsor and founderof Talk Shoppe in Memphis. www.TalkShoppe.com McKenzie Mortgage RD Loans also host the radio show Real Estate Mortgage Shoppeairing on News Radio AM 600 WREC and iHeart Radio with podcasts andshow notes published on www.TNRDHomeLoans.com