To your success,

McKenzie Mortgage RD Loans, Mortgage Loan Officer NMLS #757308 SierraPacific Mortgage 46 Timber Creek Dr Cordova, TN 38018

THE DOOR IS OPEN…COME ON IN AND JOIN US ON REAL ESTATEMORTGAGE SHOPPE

Good morning, Memphis! Welcometo our internet listeners and podcast listeners across the 50 states! You’re onReal Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage LoanOfficer. You can connect with me at www.TNRDHomeLoans.com. Our generaltopic is IntergenerationalBonding Trends-Resources for Housing, Financing & Caregiving. Today’s show is sponsored by real estate attorneys RobDraughon and Shelley Rothman of Griffin, Clift Everton and Maschmeyer. For your home purchase or refinance give Roband Shelley a call at (901) 752-1133. Subscribe to get Real Estate MortgageShoppe podcasts with show notes at www.TNRDHomeLoans.com Call us while we’re live today July25th, 2020 at (901) 535-9732.

INTRODUCING MARY LOU NOWAK, MID-SOUTH HOME HELPERS(non-medical assistance in the home)

Back in the co-host chair we have Mary Lou Nowak of Mid-South HomeHelpers. We say, Mary Lou knows what todo when it comes to non-medical assistance for your loved ones to staycomfortably and safely in their own homes. You have shared some great tips onhow to file long term care claims to prevent leaving thousands of dollars onthe table too. Mary Lou, take a momentand introduce yourself and tell us what Mid-South Home Helpers does for yourclients. (Mary Lou introduces herselfand talks about the benefits of using Mid-South Home Helpers)

(Mary Lou introduces Brad Hyde with Arisa BehavioralServices) (Brad talks about what he does at Arisa Behavioral Health Care)

(Jo) The National Alliance For Caregiving and AARP recentlystated, “Nearly one in five Americans or 17% are giving care for someone 50 or older.”The trend picked upduring the Great Recission over 10 years ago and has been growing steadily witha bigger rise in intergenerationalbonding during the Covid-19 pandemic.

If you or someone you know has been exploringliving arrangements for an aging loved one needing care or other situationwhere families are deciding to live under one roof, we will explore somehousing and financing options available to you later in this show. Here’s aclient story and the thought process they used to make the right decision whenit came to where to live.

Linda Lovelace’s story—Do You Love where youlive and need to make changes but want to stay?

Linda Lovelace (not her real name) called mewith this dilemma-should I stay or should I go? Instead of downsizing after retiring, she invited her daughter andson-in-law to go in together to buy a larger home with a mother-in-law wing andsell Linda’s home. The problem was thather daughter’s family really liked the old home place, its land and the pondand woods out back and the layout of the house. Ms. Lovelace had a licensedcontractor come and look at thefeasibility and costs of separate living unit to the existing homeplace so thatLinda could have her private space.

They talked with a trusted realtor. Linda andher family consulted with their realtor and looked at other homes to buy andgot estimates on what it would costs with money down and payments per month onother homes with the right layout and proximity to work and shopping anddoctor’s offices. They compared these numbers to what it would costs to remodeland add the extra living space onto Linda’s existing home. The decision ended up being to make themodifications to the home and for everyone to live in a remodeled existing homeinstead of moving.

Here are some questions to ponder if you aretrying to decide to stay in your current home or stay in your parent’s currenthome and remodel it to fit the new living situation OR if you should buy adifferent home already more suited to your new lifestyle living with parentsand grandparents or with your parents and grandparents living with YOU.

Does the layout of your home work well for youand your family? Are you in closeproximity to people and places that makeliving in your current location convenient? Do you have a good relationship with your neighbors?

What would it cost to remodel vs buying adifferent home to meet your changing lifestyle needs once your other family isliving under the same roof with you.? Will the covenants and restrictions and zoning in your area allow you tomake these changes to your home? Whatabout

What do YOU want to accomplish with YOUR mortgage? Make your plan. Work Your Plan. If the Deal Works for your today, Let’s do ittoday. Call me at (615) 924-6215 or emailThis email address is being protected from spambots. You need JavaScript enabled to view it.

We will get back to more financing options and stories later in theshow. Let’s talk with Mary Lou Nowak ofMid-South Home Helpers where they offer non-medical assistance in the home andwith Brad Hyde Community Liaison Director at Mid-South Health Systems to sharesome of their wisdom on the care-giving aspect of intergenerationalbonding. (Mary Lou and Brad talkabout the power of being connected to a wide variety of professionals in theProfessional Network on Aging, Talk Shoppe and other agencies. If Mary Lou or Brad cannot offer a service toa client who needs something unique, the connections that Mary Lou and Bradhave developed can get their clients with the services they need )

You’re on Real Estate MortgageShoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. What do YOU want to accomplish with yourmortgage? Make your plan. Let’s work your plan if the deal works for you today,let’s do it today. When we come back MaryLou Nowak and Brad Hyde will be sharing more wisdom from the caregiving side. See you back in just a moment.

TALK SHOPPEBUSINESS TIP FOR REAL ESTATE PROS

^2nd segmentIt’s time to talk shop with Talk Shoppe’s Business Tip For Real Estate Professionals. Talk Shoppe is amarketing company offering free education and networking to anyone interestedin real estate or in business. Talk Shoppe is made possible by the financial support of its sponsors andadvertisers. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe) For our Talk Shoppe Business Tip today wehave Talk Shoppe sponsor Genell Holloway of Health Benefits Plus. In her role as a Benefits Consultant,Genell is passionate about helping individuals be better prepared for thosedifficult times in life. GenellHollway of Health Benefits Plus, what isour Talk Shoppe Business Tip for Real Estate Professionals today? (Genell Holloway has about 1.5 minutes toshare some budgeting tips )

Genell Holloway, how do we contactyou? (901) 270-1127

Tip 1:

Whether your loved one is battling a terminal illness ornot, we all know the reality is that we are aging every day. There are some steps we can take in advanceto make the aging process easier for our family. There are legal documents that must be put inplace that designate who has the authority to make decisions on your behalf aswell as let you know what your wishes are. You need to have a will or trust, medical directives that say who makesdecisions on your behalf when you are unable to do so, as well as financialdirectives. You need to make afinancial plan to cover all these expenses along the way.

Having that difficult conversation now will make the journeyso much easier. When my husband wasfirst diagnosed with his terminal cancer, we sat down and talked about whatquality of life meant to each of us and how we wanted to move forward with theplans from being able to die at home to planning the funeral service. We alsogot our legal documents and financial affairs in order. I have complete peace of mind knowing thatI’m carrying out his wishes as we move through the different stages of life.

TOPICS COVERED MY MARY LOU NOWAK-MID-SOUTH HOME HELPERS

1. What are the four factors to help determine if your lovedone is still safe to live independently or if home health care is needed?

Noticing the need for help when visiting elders at theholidays and the four key factors that influence independence by HomeHelpers.

Noticingthe need for help while visiting with elders during the holidays The holidaysare a seen for a time of joy. But often under-discussed is the reality thatcomes along with visiting loved ones whoare aging. Many times, visits home leave relatives with wonder if their agingloved ones are losing their ability to live independently. I am (insert name) Irun the local home helpers office. As someone who works with families each andeveryday, I wanted to share some key signs that can help you or others notice the need for additionalsupport.

How to determine the need Today I plan to share with youthe four key factors that help determine if your loved one is still safe living independently or if senior homehealth care may be needed.

Four Key FactorsInfluencing Independence Those for Keyfactors include: physical appearance, memory, motor skills and mood.

Physical Appearance How is your loved ones’ personalhygiene? Do you notice any significantweight gain or loss? How is their home –consistent with how they have always maintained their living space? Do you notice any bruises or cuts?

Pride in personal appearance can be one of the most tellingearly sign that a loved-one is changing and can be symptomatic of mood issuesand/or other physical limitations that may be occurring.

One of the most obvioussigns of ill health, either physical or mental, is weight loss. The cause couldbe as serious as cancer, dementia, heart failure or depression. Or it could berelated to a lack of energy to cook for a loved one or just themselves, thewaning ability to read the fine print on food labels or difficulty cleaningutensils and cookware. Certain medications and aging in general can change theway food tastes. If weight loss is evident, talk to your loved one about your concern and schedule a doctor’s visit toaddress the issue. Evaluating how they are maintaining the cleanliness of thehome is also critical. Dust, dirt, and other issues effect seniors with respiratory ailments and make recoveryfrom illness harder. Look for bruises and cuts, this can be evidence of fallsand symptomatic of other health issues.

Memory Is your lovedone remembering things accurately? Isyour senior alert and actively involved in conversations? Memory loss is oftenone of the first signs of dementia. Initially, memory lapses may be mistakenfor the normal forgetfulness that often increases as people grow older or whenthey become very stressed. However, in someone with dementia it will graduallybecome apparent that the memory problems are becoming more severe andpersistent. They will also be accompanied by changes in thinking and feelingthat make it more difficult to cope with everyday life. If the person’sforgetfulness could put them at risk in any way, you may need to takeprecautions that can help them live safely. These might include leaving awritten reminder by the door so that they don’t forget their keys when they goout. Or it could mean fitting a device that cuts off the gas supply if they puta pan on the stove and then forget about it. It may mean providing the senior with a personal alertsystem. Memory issues can be one of themost difficult to talk to your senior about. Remember to be patient, looking for ways to help them cope,safely with these changes.

20% of seniors aredealing with memory loss, impacting their ability to live safely independently.You may not realize that one in five seniors are currently dealing with memoryloss, at a level that impacts their ability to live safely on their own. Thatis what makes this such an important factor.

Motor Skills Do younotice your loved one struggling with tasks that are usually simple toexecute? How is their balance? Are you aware of any falls?

Each year, 2.5 million older people are treated inemergency departments for fall injuries. 1 out of 5 of these results inserious injury. Recovering from a fall can be challenging and cause long-termdetonation of health. Sadly, many seniors become embarrassed to admit they’vefallen and work to hide it from loved ones. Looking for balance issues,removing obstacles and decluttering the home as well as determining if a fallmonitoring system may be easy ways to maintain safety and independence for yoursenior.

Mood Does your loved one seem happy? Do you notice any drastic mood swings? Do they have enough interaction with othersto keep them happy and engaged?

Over 16% of seniors are dealing with depression. Sadly, upto 90 percent of people who suffer from depression later in life don’t receiveadequate care, with 78 percent receiving no treatment at all. Elderly patientsdiagnosed with major depressive disorder (MDD) spend nearly twice as much onhealth care as those without the disease. Companion care can be a simple way to help seniors feel connected – throughmeanin gful daily interaction.

• Talkabout some of the government statistics for the number of senior aged peoplewho need care vs the number of them actually receiving help. 91.9 millionpeople will travel home for the holidays. This year the AAA estimates 1 inthree people will be traveling home to visit relatives over the holidays.

According to the US Government, 70% of adults65+ are currently in need of some type of inhome care. The US governmentestimates that 70% of all adults 65+ are currently in need of some type of inhome senior care. Sadly only about 10% of those are receiving this care. Often,because the signs that more assistancego unnoticed.

• What to you do if you notice a change for the worse whenyou visit your loved one? Those four factors are a simple place to start. In theevent that you notice a change, what should you do?

If you’ve noticed the need… Begin to keep a list ofobservations. Begin to research. Begin the conversation. Start capturing yourobservations. This way you can accurately talk to others about what you are seeing and you can more accuratelydetermine wh at changes have occurred.

Begin to research. Take some time to develop a list ofoptions, so that you’re prepared in the event your loved one’s care needsescalate and help is needed. It’s better to be prepared than to scramble at thelast minute. Preparedness makes it easier for the senior as well as the familyto accept help. Determine if local home care agencies can help. Can they do aslittle as a couple hours a week, do they offer any kind of monitoring services,what can they do to help retain independence at home. Have theconversation. Instead of surprising your loved one with the suggestion thatthey receive extra care, warm them up to the idea early on. That way, they willbe more open about the option because itwon’t seem so foreign.

If your loved one or someone you know could use help, I amhappy to help.

TOPICS COVERED BY BRAD HYDE, COMMUNITY LIAISON FORMID-SOUTH HEALTH SYSTEMS

1. What are some good rules to live by when itcomes to keeping peace and harmony in a mixed household?
2. What signs should we look for that there aresome problem with emotions or the relationships. What can we do to help?
3. Brad describes the importance of caregiversrecharging themselves emotionally in order to serve better the people for whomthey are caring.

Brad compared the habit of recharging emotionally like recharging ourcell phones You don’t just rechargeyour phone right before you know you are going to be on a call. If you did that, you would always bestressed out wondering if your phone would die in the middle of the call. Youwould be trying to hurry through the call to prevent your phone running out ofjuice.

Recharge yourself fully and completely to be at your optimum.

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TOPICS COVERED BY JO GARNER-MORTGAGE LOAN OFFICER

1. What aresome common real estate financing program you use when working with an agingfamily members?
2. The one mortgageprogram that comes to mind often is the Reverse Mortgage for homeowners or homebuyers over 62 years of age. Thehomeowners does not make payments on the reverse mortgage. The bank can pay them a lump sum of moneydepending on how much equity they have build up in their home. Or the homeowner can receive payments fromthe bank each month. Or they can get a combination of lump sum money and get amonthly income. In many cases the homeowner uses the Reverse Mortgage like anequity line of credit. The ReverseMortgage has some protections for homeowners that have been added in the last few years.

There are advantages anddisadvantages using the Reverse Mortgage. The disadvantage is that it eats up agood chunk of the equity in the house for lender’s costs. If you do not have a lot of equity built upin your home or you have other options for achieving your financial goals, theReverse Mortgage may not be for you.

If you are sitting on apaid-for house but have no other investments to help you achieve your financialneeds, then the Reverse Mortgage may be for you.

Before you talk with a reverse mortgage loan officer,government guidelines require that you first consult with a HUD approvedReverse Mortgage Counselor. You canfind a reverse mortgage counselor by calling 1-800-569-4287 or going to www.HUD.GOV and searching under“reverse mortgage counseling.” It is advisable to also consult with yourcertified financial planner or other certified financial consultant.

Depending on how long you plan on living in your home andthe amount of equity you have in your home, the next step is to determine whichtype Reverse Mortgage is right foryou. Here are a few of your options:

• When you need the largest possibleinitial or future credit line, like alump sum of cash or acredit line that could offer you the cash in the future if you need it.
• You could set up the plan for getting thelargest possible monthly payment for as long as you live in the house.
• You could arrange to get as much cash aspossible, at closing or after 12 months.
• Reverse mortgages can be used to purchase ahouse with the smallest possible cash outlay.
• Reverse mortgages can be used to pay forhelp in the home or for long term care policies.

Thereverse mortgage program is not for everyone. Generally speaking, if you are overthe age of 62 and have a home with a large amount of equity in it and no otheroptions to take care of your cash and income needs, the Reverse Mortgage may befor you.

Ifyou can reallocate your assets and investments to get the cash or income youneed without having to get a Reverse Mortgage, that might be better. Reverse mortgages can eat away a significantamount of the equity in your home because of the high cost to do them.

If you have family that you would like toinherit your home, you may not want to encumber the home with a ReverseMortgage. There are some alternativesolutions that could allow you or your family member to get a Reverse Mortgageand still provide a way for the family members to pay it off when needed.

Here are some othersites that offer information about reverse mortgages:

www.consumerfinance.gov

www.HUD.gov

www.mtgprofessor.com/home.aspx (this site offers an online reverse mortgage calculator)

• Here is an example of how a grandma andgrandpa used a reverse mortgage on their primary residence to purchase a secondhome several miles away so they could spend 4 or 5 months out of the year neartheir children and grandchildren

Carter and Claire Caldwellstory– Bounding over Barriers To BeWith The Grandbabies

What about making your home payYOU back? Have you considered a reverse mortgage if you are over 62 years old?

Here is a brilliant idea fromone of my past “rock star” mortgage clients. Carter and Claire Caldwell were both over 62 years old. They loved their home next to the lake andtheir longstanding neighbors and friends. But, the Caldwell’s yearned to spend time playing with their toddlergrandchildren who lived several hundred miles away. These grandparents were motivated tofinancially mastermind a way to get a second home near their grandkids. Want to know their brilliant idea????

Since the Caldwell’s were over 62 years old and they had paid offtheir mortgage early, they applied and got a Reverse Mortgage. The Reverse Mortgage on their primary residence was now paying themeach month, so they had the income to afford to spend a five whole monthsat a time playing and making memories with the grandkids. If you want to seeSTUNNINGLY BRILLIANT strategy, observe what happens when grandparents aredetermined to spring themselves across the miles to hold their grandbabies intheir laps.What do YOU want to accomplishwith YOUR mortgage? Let’s explore some options you have today while rates are ataround a 50-year low. Call me at (901)482-0354 or email me at This email address is being protected from spambots. You need JavaScript enabled to view it.

At some point in a person’s life they discoverthey need to restructure their mortgage financing. For example, now that theyare retired with a lesser income, it may be more comfortable to go back to alower mortgage payment on a 30 year term rather than the higher payment on the15 year plan. Some of my clients need torefinance their home and combine the variable interest rate second mortgagehome equity line of credit so that the entire house note is protected on afixed mortgage rate instead of a rate that could take the payment higher andhigher with no safety caps.

Let me share a story with you of some beloved clients, whose needschanged over the 20 years on the type mortgage terms they needed.

Harry and HelenHarlington- Structure your mortgage financing with your other family memberinterest in mind

Harry and Helen Harlingtoncommitted many years ago to put others first, including their own familymembers. Time after time financialchallenges, physical illnesses and other of life’s storms tried to blow thisfamily off course. Each time theHarlington’s regrouped and continued to put other’s interest first. This forced them to think of creativesolutions and take action.

The first time I met Mr.and Ms. Harlington was about 20 years ago when they were buying a home. They wanted a 30 year fixed rate mortgage sothat they could afford to help their children who were finishing upcollege. The Harlington’s set up asystem to make extra payments to try and pay off the mortgage early.

Then mortgage ratesdropped. Mr. Harlington and I explored some refinance scenarios with a muchlower mortgage rate than he was currently paying and on a 15 year term, whichwould automatically eliminate over 5 years off the mortgage. Mr. Harlington could do long math in hishead. Before I could print out for himthe benefits of cutting the interest by over a point and dropping over 60payments off the loan payoff, he already had calculated the tens of thousandsof dollars his family would get to keep in their pockets if he cut the rate ANDthe term on his mortgage. We did thatrefinance with him and his wife walking away with bragging rights

A few years later Mr.Harlington called me with some very badnews he had received from his doctor. By this time the shorter 15 year mortgage term had allowed him tosignificantly pay down the balance on his mortgage. He had saved a LOT of money doing this.

But, true to his commitment to put others first, he gave uphis desire to pay off the mortgage completely, and instead, we looked at takingthe smaller balance left and refinance to a still low rate but longer 30 yearterm. The payments would BEdrastically lower than he was paying so that, if he should pass away before hiswife, she would be able to easily make the payments on the remaining mortgageand leave plenty in the budget to pay for her personal care and keeping up thehouse.

Over a 20 year period,the Harlington’s saved tens of thousands of dollars on what they paid on theirmortgage by taking advantage of rates when they could refinance to lowerinterest expense. They also saved thousandsby eliminating years off their original mortgage.

Whatare some other sources of cash or financing options for retired borrowers?

1. HomeEquity Line of Credit if it is affordable and small enough to pay off quicklyif the interest rate begins to climb. Home Equity lines are great for fixing up the home and doingmaintenance. If you have a house with a lot of equity that you would like tosell, but you need to buy your new home before you can sell the old one, youcan use a temporary equity line of credit secured on the old home to access thecash you need for a down payment on the new home. When the old house sells, you can pay off theHome EQUITY Line of Credit and then the house you just purchased with thecredit line money is free and clear or just has a very small loan balance on itwith a small payment, just like it would have been if you had sold your oldresidence first.

• OtherFinancing in some situations can be used when older citizens buy a bigger houseso they can live with their other family members. Or they down size to simplify and enjoy lifea little more. I’ve had some of myolder customers call and say, “Jo, I’m 80 years old. Would you lend an 80 year old person a 30year loan?” The answer is YES. Lenders are not allowed to discriminate basedon the age of the borrower. So regular mortgages of many shapes and sizes areavailable to the older clients.

There is a special mortgage program called the FamilyOpportunity progam through Fannie Mae, one of the largest mortgage buyers inthe country. This program, under certaindocumented conditions will allow the son or daughter of an aging parent topurchase a home for that parent who cannot qualify by themselves. The son or daughter does not have to live inthe home and can buy, with favorable mortgage terms as if they were owneroccupants, even though they will not be living there and the parents do nothave to be on the loan either.

Ask me more about this program after the show.

• Othersources of financing can come from surprising sources like a cash value on awhole life insurance policy. There arestill other places we can go treasure hunting together. Call me personally and let’s talk about YOURoptions (615) 924-6215 or connect with me at www.JOGarner.com

REAL ESTATE TIP OF THE WEEK (GenellHolloway of Health Benefits Plus shares a tip )

Tip 2: From GenellHolloway from Health Benefits Plus:

There are products to help ensure that our loved ones havethe financial means to cover their expenses as they age. The younger we start this process, the morelikely we are to be financially prepared. It’s been my experience, that most of us want to stay in our home aslong as possible. Having a financialplan in place with the right products will help ensure that we can honor thewishes of our loved ones.

Because we’ve had that difficult conversation to understandwhat our loved ones want, it makes every decision so much easier. I know we said this earlier too, but peace ofmind comes from knowing what they want. So, please sit down today, and discuss your wishes. Take action today!

Another thought……..we don’t have to make every discussion abattle. As long as we know what theoverall wishes and desires are, we can better pick and choose what battles wetake on. Most of the things we often focuson are not really all that important in the big scheme of life. If we have financially prepared ourselvesand shared our wishes with the right people, there’s a peace of mind that isabsolutely priceless.

ANNOUNCEMENTS:

Talk Shoppe offers freenetworking & education to anyone interested in real estate or in businessand health and wellness. Talk Shoppe meets every Wednesday 9A-10A CT virtuallyon zoom . Go to www.TalkShoppe.com(shoppe) and click on the Upcoming Events tab. The online site to join us at Talk Shoppe is right there. This WednesdayJuly 29^th, 2020 come join fellow business people for the MastermindPrinciple based on the book Think and Grow Rich by Napoleon Hill. Share ideas, referrals and resources withother business people in small groups.

Talk Shoppe events arefree thanks to sponsors like Leah Anne Morse of All Things New-helping organizefor downsizing or family changes. LeahAnne Morse organizes homes, the move and estate sales too. Contact Leah Anne at (901) 488-9733

Thank you to BillEmmerling of Vista Points for financially providing Talk Shoppe’s education andnetworking to our business, real estate and health and wellness businesses andprofessionals Talk to Bill today aboutsetting up a special needs trust to care for a loved one. It’s peace of mindfor you today and caring provision for your loved one later. Contact Bill Emmerling at (888) 422-4076

2. This episode of Real Estate Mortgage Shoppewas sponsored by real estate closing attorneys Rob Draughon and Shelley Rothmanof Griffin Clift Everton and Maschmeyer. When you are ready to buy a home or refinance a home, give Rob and Shelleya call at (901) 752-1133.

4. Subscribe at www.TNRDHomeLoans.com and you can get our weeklyblog posts with podcasts conveniently in your inbox.

5. RealEstate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL,LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ONANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THEINFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANTFOR GENERAL EDUCATIONAL PURPOSES ONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATIONPURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WEUSE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACTDETAILS IN ANY OF THE SITUATIONS.

QUOTE CORNER:

Readers Digest “I’ve learned that the best time to debate familymembers is when they have food in their mouths.”

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REJOINDERS:

1. GregInman of Next Day Access in Memphis, TN (901) 617-4675 providing wheelchairaccess ramps, grab bars, stair lifts making home safe and accessible to youraging or handicapped loved one
2. Jackie Woodside author of Calming theChaos from Marlborough, Massachusetts
3. MirandaGriffin, www.healtymidsouth.com Improving Lives One Step At A Time

Transitional Music: “WeAre A Family” Sisters Sledge; “Our House” by Crosby Stills Nash and Young;“Home” by Phillips Phillips; “Taking Care of Business by BTO for Talk ShoppeBusiness Tip For Real Estate Pros

This picture picked up off the cutting room floor (just for our listenersand other friends to see what really happens when radio guests aremisbehaving—ha ha)

GENELL HOLLOWAY, VICE-PRESIDENT HEALTH BENEFITS PLUS

901-270-1127

www.healthbenefitsplus.org

Genell Holloway,Vice-President, Health Benefits Plus where we help individuals and businessowners put the plus sign in your bottom line. Genell has served in various roles in the healthcare industry. She is a caregiver for her husband who isbattling cancer as well as her aging parents. In her current situation, Genell is an advocate for helping her husbandto accomplish his goal of living the quality of life he desires as well ashelping her parents to get the resources they need to age in place athome.

Genell has been aresource for many people in her circle helping to connect the right people tohelp those in need from those needing adult day care services to helping withfinal arrangements.

In her role as a BenefitsConsultant, Genell is passionate about helping individuals be better preparedfor those difficult times in life. Onecan count on Genell to help them find solutions that best fit their budget andpersonal situation. From healthinsurance to supplemental insurance to life insurance that include riders thathelp one to be better prepared financially for those health crisis moments thatoccur as we age, Genell has the knowledge to help.

Call Genell at 901.270.1127for further information.

ABOUT MARY LOU NOWAK OF MID-SOUTH HOME HELPERS

www.homehelpershomecare.com (901)414-9696

Mary Lou Nowak, managing partner of Mid-South Home Helpers and servesas Vice President of Marketing and 2018 Professional Conference Chairperson ofProfessional Network Of Aging. She is a professional whobegan client care at a 500 bed community hospital in 2001 and since, whileworking with seniors and their families as owner of Home Helpers became anexpert in expediting long term care insurance policies saving familiesthousands.

HomeHelpers –(901) 414-9696

ABOUT BRAD HYDE

CommunityLiasion Director for Arisa Health

ArkansasLargest Behavioral Health Care provider

27years in mental healthcare. Worked in Arkansas, TN, Mississippi andMissouri. I have been a speaker to groups on 3 contients: N America,Europe & Africa

.

ABOUT JOGARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISHWITH 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 (currently working with SierraPacific Mortgage, Inc)

“Whatever YOUR personal priorities are, my job is to help youget the mortgage terms that will give you bragging rights when you talk aboutit and help you score on hitting yourgoals .”

As a mortgage loanofficer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help youfind the financing terms that will help you get to what you want. What is your comfort level on a house payment?How much are you comfortable paying down,? What type of financing do you needto get the house you want to buy or refinance?

Different clients have different priorities inlife—some are buying their first home with very little down payment funds. Some are recovering from medical challenges,divorces or preparing to send children to college and some are embarking on along term goal of buying properties to build rental income.”

TNRDHomeLoans is a mortgage officer with extensive knowledge in tailoring mortgages toher customers who are refinancing or purchasing homes all over thecountry. She offers conventional, FHA,VA or other loan programs for refinancing and purchases.

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

McKenzie Mortgage RD Loans has beenin the real estate/financing business for over 25 years. She got herstart in Portland, Maine where she first began her real estate career. Shereceived her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen,author of Nothing Down,Creating Wealth andThe Challenge.

On moving back to West Tennessee in 1987, she went intobusiness buying and selling discounted owner-financed notes secured on realestate. In 1990 Jo went to work for a residential mortgage company andhas been a mortgage loan officer for over 25 years. Her goal is to offerexcellent, 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 TNRDHomeLoans also host the radio show Real Estate Mortgage Shoppe airing on NewsRadio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.TNRDHomeLoans.com

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