Aug. 4, 2026

CMS 2027 Final Rule: Medicare Changes Every Beneficiary and Agent Must Know

CMS 2027 Final Rule: Medicare Changes Every Beneficiary and Agent Must Know
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Season 2

Season 2, Episode 1 of MedicareHour & More with Peter features Craig Gussin breaking down the CMS 2027 Final Rule, Medicare trends, and Southern California healthcare updates. Returning guest Johnny Alagna shares real estate insights, housing trends, and homeownership tips. From Medicare and healthcare to real estate and current events, this episode delivers expert advice and trusted resources—because it's more than Medicare. We Medi CARE!

MedicareHour & More With Peter! is broadcast live Tuesdays at 9AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). MedicareHour & More With Peter! TV Show is viewed on Talk 4 TV (www.talk4tv.com).

MedicareHour & More With Peter! Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Become a supporter of this podcast: https://www.spreaker.com/podcast/medicarehour-more-with-peter--6905243/support.

WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice.

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You should seek the services.

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Of competent professionals before applying or trying any suggested ideas.

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Attention individuals, families and caregivers. It's Medicare Hour and More

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with Peter right here on k FORHD Radio. This is

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the podcast for all types of insurance solutions while specializing

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in Medicare because we Medicare. Here's your host, Peter R. Joseph.

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Hey, good morning, good morning, Good morning man. It's been

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a long time since I've been back on the show.

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A lot has happened, but I am glad to be back.

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We are on season two. Since we've been on the

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hiatus for a while, just let you guys know, I

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went on an RV trip and when I got back,

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broke out in some kind of weird rash. Unfortunately, got

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exposed to some viral thing and I was dealing with that.

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For a few weeks.

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So that's why we were off the air for a while,

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but we are back and excited to be back. We've

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got a great show for you guys today. I got

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a couple of great guests, Craig Goosen and Johnny Alana,

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a realtor who's been on our show before. But before

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we get into that, I do have a couple of

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quick things I want to go over because I'm a

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big sports guy. In the news right now is Yes,

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the Dodgers got Tarik's Google.

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It happened.

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Everyone's pissed at the Dodgers, but you know what, any honestly,

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and you could argue with me all you want, any

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owner out there, could have gotten him. And if you're

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gonna blame the lockout coming out on the Dodgers, so

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be it. Dodgers had the resources, they went after them,

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and you know, you want to go to a team

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that wants to win and wants to pay their players

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and owners need to understand that and hopefully they will

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learn that lesson a hard way through this next collective

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bargaining agreement.

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But yeah, even.

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Though you know Dodgers got them, they're on a big

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losing streak. Unfortunately, hopefully they get their offense cracking then together,

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and my studio engineer just told me football season is

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just around the corner. This year has just gone by

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way too fast. I'm a big Rams fan, so I'm

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rooting for them. You know, Super Bowls in LA this year.

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So I'm hoping, hoping, hoping. You know, we got Garrett,

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a great defensive end, and we got Stafford again our MVP.

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So we'll see what happens. But yeah, that Hall of

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Fame game is next week. So I'm looking forward to

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football season and hopefully the weather turns it gets cooler.

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It's been super super hot out here. It's been crazy,

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crazy hot.

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Well, let's see if Craig is ready to come on.

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He's our first guest.

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He's a president of California Agents and Health Insurance Professionals

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out here in southern California.

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He's down in San Diego. Are we ready for Craig?

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All right, welcome to our show.

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Craig.

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I appreciate you making the time this morning. How are

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you doing.

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I'm doing good.

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You I'm doing well. I'm doing well. Hang yeah you too.

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I know you're you're gearing up for the Senior Summit

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coming up. When has that taking place? And where's it at.

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Chmber on September third, Riverside Convention Center.

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We have actually khip pass five different medicure events going

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on across the state from Fresno to Sacramento to Oakland

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to La So no matter where you live in California,

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there is going to be a medicure event going on

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between August twentieth and September.

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I'll be flying all over.

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That state between those dates attending all the meetings, and

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it will be great for anybody who wants to learn

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the latest and greatest on what's going on with Medicare,

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especially with as you know Peter, with CMS and the

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changes going on in the forty eight hour rule.

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And prescriptions and all this stuff.

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It's so important that we Medicare agents know exactly what's

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gonna happen and how we can you know, how we

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can help our clients and what do people do. So

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it's gonna be a fun It's gonna be a fun aep.

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You know, I'm looking forward to it, but there's always

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gonna be a lot of work. But again, you know

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there's Medicare, but also a lot of Medicare agents do

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ifp do a group, there's a big change coming across

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possibly with COVID California, and there's a question of can

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you get a subsidy if you have green court and

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there's some issues in it that we're trying to figure out.

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So there's a lot going on.

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Wow, Wow, there's a lot. Let's uh, let's unpack some

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of that stuff.

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So let's let's first look at I mean, obviously, you

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know CMS put that final rule for twenty twenty seven.

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You know those things won't take place until October first.

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But what kind of things do you see positive happening

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with CMS rules for agents and beneficiaries this this season?

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Well, I think the biggest is the forty eight hourable

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you don't have to you know, client call you and

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says can I com buy today and see you? And

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you go, no, I can see you in two days.

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Now you can you know you can see them. They

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you know, they scope appointment for him, You give it

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to them, you sign it away.

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You go, that's a big deal.

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Coe codings reduced from ten years to six years.

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That's a big deal.

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You still got to keep three codings, but leads you

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not to keep it, you know longer.

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Pitscription you know, Yeah, what's happening with that are they

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are there's a new set being negotiated.

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That's year right there is.

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You know, again a lot of this stuff I just

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I'm still waiting because you know, things have possibly changed.

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So again, it's such a great reason if you live.

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In California and why to you know, wherever you live,

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see when they're having a medicure meeting and they're gonna

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give you the greatest and latest of what's going on.

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And I although I'm going to have people there talking

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about every aspect of it. And you know, that's one

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of the things that you know, I'm so proud of

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in our association is how they're stepping up and really

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helping the medicure agents. You know we're doing in California, uh,

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National Association of Insurance and Benefit Professionals.

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Are doing it nationwide just to make sure the medicure

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agent is protected. And now you know that's the thing

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that I love.

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So for agents that are listening in and what what's

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a good way to support these chapters?

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I mean, how can we get involved?

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Well, the biggest thing I can tell you to become

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a member.

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Most medicare agents don't know, but about fifteen years ago,

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CMS decided they were only going to pay agents for.

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Five years and that was it because they had no

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idea what we did. So our people went to CMS.

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They explained the age of the will, you know, the

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will of the agent where they meet with the client,

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they see them every year, they help them doing the

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year and because of that, agents now will continue to

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get you know, paid forever and the fmos that help us,

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we're going to get paid now they do. So it's

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a very inexpensive way to protect your your business.

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You know, I look at it as you know, insurance

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to cover your job.

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Because you know, the National Association Maturance and Benefit Professionals

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NAVY is working with CMS all the time.

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They've been talking about the.

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Forty eight hours, getting rid of that, you know, reducing

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the recording time, doing more and more to help the

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agent to make it easier. Because when I'm in Sacramento,

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Washing DC and I'm talking to the cheapest staff, they're

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twenty four year old. They have no idea what medicure is.

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I spend the first ten to fifteen minutes spending what

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is medicare The answer to me is, oh, yeah, my.

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Parents, my grandparents had it.

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But I walk them through it, and I explain it

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to them because they have no idea that we're spending

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what three hundred and sixty five days a year helping

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our medicare clients when we're in the hospital going you know,

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I don't get it, I can't find my card.

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I need some help. We're going to help them, and that's.

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The role of the agent and why it's so important

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now more than ever that we're their form. You know,

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people talk about, oh, my goodness, AI is going to

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take it over. Know they're not because I can only

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do so much. It can help us, but they still

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need someone to talk to on the phone, reassure them.

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Hey, we're coming up to AEP.

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Let's make sure your prescription plan is still the best

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one for you. What prescriptions are you taking? You know, again,

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a lot of prescription companies aren't using agents, so we're

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still helping them, and you know, we're doing it for free.

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Yeah.

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The joke I always say is I stopped working for

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free when I moved out of my parents' house. But

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I'm continuing to help our clients saying, look, we're going

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to take care of you.

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I don't really care what we get paid.

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It would be nice to get paid, but I'm not

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going to leave my eighty nine year old client trying

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to figure out what Medicare plan or what medicure prescription

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is best for them. Also, be aware if you're taking

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a very expensive prescription. I had Medicare client email me yesterday.

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They're taking Eloquist. He said it's going to cost me

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one thousand dollars a quarter. And I said, I work

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with the company. It cost you fifty dollars a month.

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Nice melod order to it. It's Canadian Pharma c M.

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Yeah, yeah, I am aware.

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Yeah, yeah, they do a great job. And I've been

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used them for twenty years. I actually used them for

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my mother in law. That's how I found out about

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it years ago. So again, if you're listening to this

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and you take a very expensive prescription, there's options. If

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you're an agent and your clients are calling you up, going,

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I got this.

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Very expensive prescription. You know, good ox.

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There's so many Dolins out there, understand it, and this

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is what you know k HIP or NAVIB, you know,

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the two associations are always talking about here's options available to.

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You to lower the cost.

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So those are the kind of things that we're talking

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about I'm talking about as a Medicare agent. I'm also

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talking about the president you know of khip and just

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making to the people I understand that look medicare. You

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know you were talking about baseball, right, yeah. Yeah. In

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the old day's Peter, what the pitcher would come in,

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pitch eight, not eight innings? We leave a commanding a cloth.

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Today they pitched five, five and a half innings. The

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middle relief comes in, maybe another relief within the closer.

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Well, health insurance is the same way.

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You need an expert, a Medicare agent who just got

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done probably doing a certification, and to help you figure

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out which plan is going to be best.

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You know what.

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Happened in San Diego one of the major hospitals stopped

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taking Medicare advantage plans. And we had thirty two thousand

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people saying, oh my goodness, what am I going to do?

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And it was literally every day I had people call

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me up.

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Eighty ninety years old ago and I was paying nothing,

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and you want me to pay four or five hundred

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a month?

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What are my options?

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And we have these conversations and want and talk to

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them about all the available to them and what's the

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best thing to do.

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So that's the value of using an agent.

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You know, in California, it's against a lot of charge

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to you know, to help somebody, right, So just know

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in California it costs nothing to use an agent.

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What are you here to help? You would like the

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doctors in the hospital.

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We get paid by the insurance companies and a lot

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of times they'll cost to pretty much fix. We have

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no controlable what it is, and they pass and everybody's

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thank you. And that's the thing that I love about it.

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And that's why I'm such a big believer in working

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with a medicure agent or a health insurance agent if

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you need covered California or group health insurance, because we're

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there to help.

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You, yeah, for sure. And Craig Craig does a lot

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of great work for us. These chapters do a lot

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of work.

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They fight for us in Sacramento as well as in Washington, DC.

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They meet with cms and.

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They are they help not only beneficiaries but also agents.

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So I appreciate all the work that you guys are.

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Doing for us. Thank you so much for that. And

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you just heard it here. If you want to support

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these chapters, you just become a member and it's it's

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very inexpensive.

255
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Let your voice be heard. That's that's a great way

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to do that.

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So yeah, and I.

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Tell everybody, if you your first medical advantage policy that

259
00:13:19.320 --> 00:13:22.759
you write, got to pay for your dues and everything

260
00:13:22.799 --> 00:13:24.720
else for the year and the rest of the year,

261
00:13:24.759 --> 00:13:28.360
you can make money. And you've got a team behind

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you supporting you. And that's the thing that I look at,

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is you have no idea. I'll give you an example.

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Single payer every couple of years comes up. We had

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we had a bill in Sacramento. It hap be my

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personal legislator who wanted to make Medicare something plans opening

267
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a moment every year, and you did that in new

268
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way to like double a triple what we pay in California.

269
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So you got to be very careful. You know, it

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always sounds pre health insurns what a great deal, be right, right, Yeah,

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realizing you know the cost of what it really is.

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You know, the owner business owners, you know increased their cost,

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They increased you know, taxes and everything else to pay

274
00:14:14.720 --> 00:14:17.279
for it. So you know you'd want to be aware

275
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of that. And that's what our association does. We're meeting

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with legislators and Sacramento, in Washington, d C. We're telling

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00:14:24.600 --> 00:14:30.000
us stories. You know, the ACA the perfect example. It

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00:14:30.000 --> 00:14:31.960
would have been a lot worse than what it is

279
00:14:32.080 --> 00:14:36.480
if it wasn't for US meeting with Congress and explaining

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you know, that sounds good on paper, but it really

281
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doesn't help.

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The consumer, just you know, getting rid of the subsidies.

283
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I understand why they did it, but it really hurts

284
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so many people. And that's the thing that now we're gonna,

285
00:14:51.200 --> 00:14:54.200
you know, coming up pretty soon November. First, we're going

286
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to talk to people about here's your options. We're seeing

287
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in California the averduate increases about ten percent. San Diego

288
00:15:01.600 --> 00:15:03.919
is probably three or four percent. If you look at

289
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some other options, it's really simple. We talk to you agent,

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say okay, here's what's going on.

291
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Help me.

292
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It can be medicure advantage plan, it can be ACA,

293
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it can be group health insurance.

294
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Just know that we're here to support you.

295
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And again, it costs nothing in California to use the

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health insrans agent. So that's always what I tell people

297
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every day. Pe do and I thank you so much

298
00:15:26.480 --> 00:15:28.440
for let them come on it. It's great to see you,

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00:15:28.799 --> 00:15:30.200
I know, every once in a while, we want into

300
00:15:30.240 --> 00:15:30.600
each other.

301
00:15:30.759 --> 00:15:33.039
So yeah, yeah, and I'm glad you're going to come

302
00:15:33.039 --> 00:15:36.919
on one more time. It's it's immensely helpful to our

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00:15:36.960 --> 00:15:40.559
audience to hear what you're talking about, and so we

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00:15:40.600 --> 00:15:42.000
appreciate you, Craig so much.

305
00:15:42.960 --> 00:15:46.720
You know, let's kind of switch over to health insurance

306
00:15:46.799 --> 00:15:47.679
under sixty five.

307
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Okay.

308
00:15:48.320 --> 00:15:52.159
Now, obviously those deductibles are going up and up and up.

309
00:15:53.320 --> 00:15:55.080
California is like the Wild West.

310
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Unfortunately, we can't do anything to help mitigate those costs

311
00:15:59.440 --> 00:16:01.120
in terms of hospital indemnity.

312
00:16:01.240 --> 00:16:03.200
Right, It's it's not allowed out here.

313
00:16:03.279 --> 00:16:05.720
So I mean, what are we looking at for this

314
00:16:05.840 --> 00:16:07.519
next year? Is it going to get worse than this

315
00:16:07.600 --> 00:16:08.120
last year?

316
00:16:08.399 --> 00:16:11.759
Coup of California said nine point nine percent with the average,

317
00:16:11.799 --> 00:16:14.399
and I know in San Diego it was like thirteen.

318
00:16:15.080 --> 00:16:16.759
But again, if you look at some other.

319
00:16:16.600 --> 00:16:19.399
Plans, you know, if you go, hey, I like doctor Jones,

320
00:16:19.480 --> 00:16:21.919
you go, okay, fine, let me see what network doctor

321
00:16:22.000 --> 00:16:24.440
joneses in. And I had a client last year we

322
00:16:24.480 --> 00:16:26.320
did that and who ages to go up at all

323
00:16:26.759 --> 00:16:30.399
because we went from one plan to another and kept

324
00:16:30.399 --> 00:16:31.480
this price the same.

325
00:16:31.840 --> 00:16:33.600
And that's one of the things that we look at

326
00:16:33.759 --> 00:16:35.480
for our client.

327
00:16:35.679 --> 00:16:41.200
So yes, I'm hearing right increases ten, fifteen, twenty percent

328
00:16:41.399 --> 00:16:47.240
due to inflation, medical costs going up, the cost of COVID,

329
00:16:47.320 --> 00:16:49.360
and having more things needed to be done.

330
00:16:50.480 --> 00:16:54.600
Work with your health insurance agent. They know what's going on.

331
00:16:55.279 --> 00:16:58.720
You know, we've all been looking and reading about and

332
00:16:58.840 --> 00:17:02.120
going to meetings and figuring out what's going to be

333
00:17:02.159 --> 00:17:05.519
available to us. Every insurance company is having meetings going

334
00:17:05.880 --> 00:17:10.319
here's some options to consider. And again, think about your situation.

335
00:17:10.880 --> 00:17:12.519
Maybe he had served your last year and had a

336
00:17:12.519 --> 00:17:16.440
really rich plan. You don't maybe need that rich plan issue,

337
00:17:16.519 --> 00:17:19.559
So let's know where your coverage get what you really need.

338
00:17:19.920 --> 00:17:21.519
You know, if I meet somebody who's going to have

339
00:17:21.559 --> 00:17:24.039
a baby, you know, yes, I want to get her

340
00:17:24.279 --> 00:17:26.400
to get a better plan so she pays less money

341
00:17:26.440 --> 00:17:30.480
out of pocket. And again, if we're talking group health insurance,

342
00:17:31.079 --> 00:17:33.440
then you're paying for your health insurance to pre tax

343
00:17:33.559 --> 00:17:37.359
dollars to pay pre tax dollars to have a baby.

344
00:17:37.640 --> 00:17:39.880
I decline who had twins and a cost of three

345
00:17:39.880 --> 00:17:43.079
thousand dollars for a platinum plan to have the kids.

346
00:17:43.599 --> 00:17:47.279
Ye to nick you, but she was paying with pre

347
00:17:47.359 --> 00:17:51.119
tax dollars. Her premiums. So work with an agent. You're

348
00:17:51.119 --> 00:17:55.759
here to help you cost nothing k here for California

349
00:17:55.839 --> 00:17:59.920
agents and health insurance professionals. These people spend all year

350
00:18:00.160 --> 00:18:02.119
educating them and I'm a big fan of it and

351
00:18:02.559 --> 00:18:05.200
why I've been a member for like twenty five years

352
00:18:05.519 --> 00:18:08.720
because they do so much for me to help me

353
00:18:08.920 --> 00:18:11.599
to be better as an agent. And you know, when

354
00:18:11.599 --> 00:18:13.839
they asked me to step up and be president, how could.

355
00:18:13.640 --> 00:18:14.039
I say no?

356
00:18:14.240 --> 00:18:15.559
Because yeah, for sure, it's an.

357
00:18:15.599 --> 00:18:18.759
Organization I love and we just want to be there

358
00:18:18.799 --> 00:18:21.839
for the consumer. And that's the organization. Our phosophy is

359
00:18:21.839 --> 00:18:24.519
that in mind is I want everybody in a Mirrorkay

360
00:18:24.519 --> 00:18:26.720
to have health endurance and figure out a way to

361
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make it affordable.

362
00:18:28.039 --> 00:18:29.759
So that's really.

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What you and I will be doing, Peter for the

364
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next right three four months. And I really appreciate the

365
00:18:35.519 --> 00:18:37.960
time you've given me today. And glad you're back and

366
00:18:38.039 --> 00:18:39.000
glad you're feeling good.

367
00:18:39.440 --> 00:18:40.319
Thank you, thank you.

368
00:18:41.319 --> 00:18:44.759
So we got we got a few minutes left. I

369
00:18:44.799 --> 00:18:47.039
know you know you can't, you can't share a lot,

370
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but you know we had talked about if let's go

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back to medicare for those listening in who are about

372
00:18:53.440 --> 00:18:56.119
to turn sixty five, you know what, what are the

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easy steps they can take to get onto medicare if

374
00:19:00.240 --> 00:19:03.359
they're about to retire or they're getting off their health

375
00:19:03.359 --> 00:19:04.559
insurance with your employer.

376
00:19:05.720 --> 00:19:09.880
The first thing to do is if you go if

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00:19:09.880 --> 00:19:12.519
you go to if you're in California, even if you

378
00:19:12.559 --> 00:19:16.720
go to National and look at association maternits and benefit Professionals,

379
00:19:16.759 --> 00:19:19.240
you're going to find a link that's to find an agent.

380
00:19:19.319 --> 00:19:21.960
You click on it, you put in your zip code,

381
00:19:22.680 --> 00:19:26.240
it'll give you a bunch of agents in your area.

382
00:19:26.960 --> 00:19:28.400
Reach out to them, talk to them.

383
00:19:28.480 --> 00:19:30.640
Find when you're comfortable with it's like, you know, it's

384
00:19:30.640 --> 00:19:33.799
like getting a doctor. Talk to them about what you're

385
00:19:33.839 --> 00:19:36.720
trying to accomplish, and they're going to help you do it.

386
00:19:36.839 --> 00:19:39.599
So if you're sixty four, you're going to want to

387
00:19:39.640 --> 00:19:43.640
start looking at your plans. You want to medicure Advantage plan,

388
00:19:43.720 --> 00:19:46.359
which is like an HMO limited network of who eat

389
00:19:46.400 --> 00:19:49.079
and go to. So if you like a certain hospital

390
00:19:49.200 --> 00:19:51.680
and they take it, it might be a great plan

391
00:19:51.720 --> 00:19:54.440
and the price is going to be very small at nothing.

392
00:19:55.279 --> 00:19:57.680
If you like to travel, because maybe your kids live

393
00:19:57.720 --> 00:19:58.000
out of.

394
00:19:58.000 --> 00:20:00.240
State, you're going to be visiting them a lot, gonna

395
00:20:00.240 --> 00:20:03.799
start traveling because retired, then you want a Medicure supplement

396
00:20:04.039 --> 00:20:06.440
plan where it's like a PPO where you can go

397
00:20:06.480 --> 00:20:09.680
to any doctor who takes Medicare in the country and

398
00:20:09.720 --> 00:20:12.559
you have that option, and it isn't really expensive.

399
00:20:12.680 --> 00:20:15.119
You're probably talking a couple hundred dollars a month.

400
00:20:16.079 --> 00:20:19.279
It gives you, it'll give you the best coverage you've ever.

401
00:20:19.160 --> 00:20:22.240
Had in your life. You know, I love Plan.

402
00:20:22.079 --> 00:20:27.279
G because it pretty much covers everything but your yearly deductible,

403
00:20:27.440 --> 00:20:29.119
which is I.

404
00:20:29.119 --> 00:20:31.839
Think it's like to eighty eighty this year. Yeah, yeah,

405
00:20:32.839 --> 00:20:33.200
it could be.

406
00:20:33.160 --> 00:20:36.480
A little bit higher in twenty twenty seven, but that's

407
00:20:36.480 --> 00:20:38.799
the most you can pay out of pocket except for prescriptions.

408
00:20:39.480 --> 00:20:41.799
And it's great to have.

409
00:20:41.920 --> 00:20:47.319
And again, once you pick a Medicare advantage plan, after

410
00:20:47.359 --> 00:20:52.200
twelve months, you can't change your medicure supplement unless you

411
00:20:52.400 --> 00:20:54.480
go through underwriting, but you can.

412
00:20:54.599 --> 00:20:55.480
But again, you.

413
00:20:55.359 --> 00:20:58.599
Can pick a medicure supplement and maybe when you're eighty

414
00:20:58.720 --> 00:21:02.440
eighty two eighty three say, Okay, I'm not traveling as much.

415
00:21:02.440 --> 00:21:05.039
I'm gonna go to a Medicare advantage plan which is

416
00:21:05.079 --> 00:21:05.799
gonna cost me.

417
00:21:06.440 --> 00:21:08.960
Plans I look at, is any of them zero to

418
00:21:09.079 --> 00:21:10.839
twenty thirty forty fifty bucks a month.

419
00:21:11.920 --> 00:21:12.920
So that's what need is.

420
00:21:13.160 --> 00:21:17.880
Again, work with an agent that sells Medicare if they

421
00:21:17.960 --> 00:21:21.559
belong to the California Association of Health Underwriting, which is

422
00:21:21.599 --> 00:21:25.799
the California I'm sorry, that's oh, that's the old name association,

423
00:21:25.839 --> 00:21:29.079
a bit a bit of Health Insurance Professionals, and then

424
00:21:29.079 --> 00:21:32.480
the National Association of Insurance and Benefit Professionals, which is

425
00:21:32.559 --> 00:21:36.039
the National Association. We changed our name about four or

426
00:21:36.039 --> 00:21:38.279
five years ago, and then a couple of years later

427
00:21:39.079 --> 00:21:42.279
NAVID changed their name over so we do a little

428
00:21:42.319 --> 00:21:44.559
bit different name, but again we're all part of the

429
00:21:44.640 --> 00:21:47.880
same family. It's just a little bit. It's like when

430
00:21:48.000 --> 00:21:50.079
when your daughter gets married and now if you changes

431
00:21:50.079 --> 00:21:52.200
the name, if you still she's still have Joseph for

432
00:21:52.279 --> 00:21:55.839
the rest of your life, right right. Yeah, we have

433
00:21:55.960 --> 00:22:00.319
the organizations. They support us, you around, educating us and

434
00:22:00.400 --> 00:22:03.240
showing us what's out there for the for the consumer.

435
00:22:04.039 --> 00:22:06.680
And that's why I'm.

436
00:22:06.039 --> 00:22:10.519
Such a big believer in them, because we need organizations

437
00:22:10.559 --> 00:22:12.960
that are going to help us and protect us and

438
00:22:13.240 --> 00:22:16.480
be there for us in Sacramento and in Washingt DC,

439
00:22:16.839 --> 00:22:20.160
or in any state you're in, right every state has

440
00:22:20.200 --> 00:22:23.160
different things going on, and we need to be aware

441
00:22:23.160 --> 00:22:26.079
of it and make sure because everything we look at

442
00:22:26.200 --> 00:22:29.559
is what's best at the consumer. You and I see

443
00:22:29.599 --> 00:22:31.680
things at times and going that makes no sense. Why

444
00:22:31.680 --> 00:22:35.400
would you do that? And the reason is because some

445
00:22:35.640 --> 00:22:38.240
legislator's friend came to them and said, you won't believe

446
00:22:38.240 --> 00:22:41.839
what happened to me, and they start talking about it. Oh,

447
00:22:41.880 --> 00:22:45.039
that shouldn't happen, but they don't realize the cause and effect.

448
00:22:45.920 --> 00:22:47.920
And those are the kind of things that we try

449
00:22:47.960 --> 00:22:49.480
and educate people about.

450
00:22:49.960 --> 00:22:51.680
You know, people ask me every day what do I do?

451
00:22:51.839 --> 00:22:54.480
I go. My job is educating consumers.

452
00:22:55.119 --> 00:22:57.920
I educate you, Peter, You're gonna make the best decision

453
00:22:58.000 --> 00:23:00.200
for you. It has nothing to do with me I

454
00:23:00.240 --> 00:23:03.240
need because my needs and your needs are different exactly.

455
00:23:03.640 --> 00:23:06.279
So think about what's best for you.

456
00:23:07.039 --> 00:23:09.640
If you're talking to an agent and he or she

457
00:23:09.799 --> 00:23:11.880
you want to do something that doesn't make sense, you

458
00:23:11.880 --> 00:23:15.680
have the wrong agent. Find somebody else then get what

459
00:23:15.759 --> 00:23:18.519
you want and going to help you find the best

460
00:23:18.559 --> 00:23:20.039
plan for your needs.

461
00:23:20.480 --> 00:23:23.000
It's all about your needs, not mine.

462
00:23:23.279 --> 00:23:23.799
For sure.

463
00:23:24.319 --> 00:23:27.599
Well, Craig, if people want to ask you questions or

464
00:23:27.599 --> 00:23:30.960
reach out to you, I know you're on LinkedIn. Is

465
00:23:31.000 --> 00:23:34.279
there a good email address that we could reach out to?

466
00:23:34.680 --> 00:23:37.079
I can, but to make it easy, you see my

467
00:23:37.200 --> 00:23:40.680
name up there, My personal one is Craig dot gust

468
00:23:40.720 --> 00:23:43.279
In at gmail, so you can always you can always

469
00:23:43.400 --> 00:23:47.559
use that too, and again I'm more than happy to

470
00:23:47.599 --> 00:23:50.640
help you. If you live in Northern California, you want

471
00:23:50.640 --> 00:23:53.160
to talk to somebody up there, I would tell you

472
00:23:53.200 --> 00:23:56.720
for medicare Northern California and Southern California.

473
00:23:57.039 --> 00:23:59.559
Medicure issues are totally different.

474
00:23:59.759 --> 00:24:02.160
And a lot of times I would recommend to somebody

475
00:24:02.160 --> 00:24:05.200
that can get you an agent up in northern California

476
00:24:05.200 --> 00:24:06.720
who know the ins in and.

477
00:24:06.559 --> 00:24:09.839
Out, because it's it's it's different at night and day.

478
00:24:10.319 --> 00:24:11.279
It is, it is.

479
00:24:11.400 --> 00:24:13.240
What is here to help you? Anything I can do

480
00:24:13.319 --> 00:24:13.759
to help you.

481
00:24:13.839 --> 00:24:16.440
My phone numbers up there, Craig gots in the Gmail

482
00:24:17.039 --> 00:24:19.880
and we'll always hear you and Peter good to see you,

483
00:24:19.920 --> 00:24:22.960
and probably my friends. Thank you all right, thank you

484
00:24:23.079 --> 00:24:26.079
so much, Thank you taking care, bye bye bye bye.

485
00:24:27.480 --> 00:24:28.000
All right.

486
00:24:28.440 --> 00:24:31.599
I appreciate Craig coming on. He's a great friend of ours.

487
00:24:32.319 --> 00:24:35.160
I've known him for years and years, run into him

488
00:24:35.200 --> 00:24:38.799
in a lot of conferences and whatnot. So excited to

489
00:24:39.240 --> 00:24:43.039
have his information shared with all of you, some pertinent

490
00:24:43.079 --> 00:24:47.279
information obviously, just kind of summarize, you know, what a

491
00:24:47.319 --> 00:24:49.880
scope of appointment does. It gives us permission to talk

492
00:24:49.920 --> 00:24:52.359
to you beneficiaries about Medicare plans.

493
00:24:53.039 --> 00:24:55.160
It used to be a forty eight hour role, which.

494
00:24:54.880 --> 00:24:59.359
Means we had to have you sign a paper saying

495
00:24:59.359 --> 00:25:02.079
that we allow us to talk to you, and then

496
00:25:02.119 --> 00:25:03.720
we could have talked to you about those benefits for

497
00:25:03.720 --> 00:25:06.640
forty eight hours. It was just kind of absurd. I'm

498
00:25:06.680 --> 00:25:08.559
really glad they got rid of that role, so now

499
00:25:08.559 --> 00:25:11.920
we can talk to you right away. We can also,

500
00:25:11.960 --> 00:25:16.920
as agents, conduct both educational events and marketing events at

501
00:25:16.920 --> 00:25:18.920
the same well not at the same time, but one

502
00:25:18.920 --> 00:25:21.240
after the other. We don't have to split them up

503
00:25:21.240 --> 00:25:25.000
into two different days. So you'll might see some events

504
00:25:25.039 --> 00:25:27.039
coming up in the fall where you're doing an educational

505
00:25:27.039 --> 00:25:30.759
event and then they announce the next session will be

506
00:25:31.440 --> 00:25:34.799
a sales event where we can actually get you guys

507
00:25:34.799 --> 00:25:39.680
submitted for specific Medicare advantage plans or supplement plans. So

508
00:25:39.720 --> 00:25:44.240
that's a nice caveat that's changing. Prescription drug prices are

509
00:25:44.240 --> 00:25:46.960
going down for a lot of the big.

510
00:25:48.559 --> 00:25:49.319
Names out there.

511
00:25:49.359 --> 00:25:51.799
But obviously there's a couple of things that we could

512
00:25:51.839 --> 00:25:56.559
do to mitigate those costs. Craig mentioned the Canadian pharmacy.

513
00:25:57.759 --> 00:26:01.200
We have resources to connect you without. The other thing

514
00:26:01.279 --> 00:26:03.480
is get our X. Sometimes it's better to go through

515
00:26:03.480 --> 00:26:06.079
good our X for a discount versus going through your

516
00:26:06.079 --> 00:26:10.079
insurance company. So I usually do you know, tell my

517
00:26:10.160 --> 00:26:13.759
clients that good OURX is free to use. It's an

518
00:26:13.799 --> 00:26:16.119
app that you can get on your smartphone. You just

519
00:26:16.160 --> 00:26:18.319
show it to the pharmacist and you get that discount

520
00:26:18.359 --> 00:26:21.880
on the prescription. So definitely get with an agent like

521
00:26:21.920 --> 00:26:26.160
myself who can walk you through all those scenarios, get

522
00:26:26.200 --> 00:26:28.519
you the best plan, it gets you the best coverage

523
00:26:28.559 --> 00:26:30.559
and help mitigate your costs.

524
00:26:30.359 --> 00:26:33.240
That's what we're here for. And again we're not paid

525
00:26:34.839 --> 00:26:36.400
by you. We don't charge you.

526
00:26:36.440 --> 00:26:39.720
We're not allowed to for Medicare, so we actually get

527
00:26:39.759 --> 00:26:42.160
paid directly by the carriers and it's the same amount,

528
00:26:42.279 --> 00:26:44.519
so we don't have a bias towards any carrier. So

529
00:26:44.920 --> 00:26:47.160
just keep that in mind as you're shopping around agents.

530
00:26:48.759 --> 00:26:51.720
So that is it on that. I know Johnny's about

531
00:26:51.759 --> 00:26:53.359
to come on in a couple of minutes. He's our

532
00:26:53.440 --> 00:26:57.480
second guest, I don't know if he's on or not.

533
00:26:57.640 --> 00:27:00.480
If he's not, I will continue talking because I can

534
00:27:00.519 --> 00:27:00.799
do that.

535
00:27:00.880 --> 00:27:04.400
Oh, there we go, Hey, Shohnny, I.

536
00:27:04.279 --> 00:27:09.400
Was watching you guys man your industry. It seems very complicated, man,

537
00:27:09.559 --> 00:27:16.400
like it is in your consumer's position and having to

538
00:27:16.519 --> 00:27:19.559
manage and go through all that stuff. I just I'm like,

539
00:27:19.839 --> 00:27:22.240
I was listening to you guys for a good minute.

540
00:27:22.359 --> 00:27:24.440
I mean that it's crazy how complicated that.

541
00:27:24.839 --> 00:27:26.440
It is, and it sucks.

542
00:27:26.720 --> 00:27:28.880
It's the regulations change every year and we have to

543
00:27:28.960 --> 00:27:31.799
keep on top of it, and our consumers get confused,

544
00:27:31.839 --> 00:27:35.279
like heck, I mean that's like everything changes every year, right,

545
00:27:35.319 --> 00:27:37.279
and so they're just like what is going on?

546
00:27:38.279 --> 00:27:39.920
So that's kind of what we're here for.

547
00:27:40.000 --> 00:27:44.079
But obviously we get overwhelmed by all those two so sure.

548
00:27:44.160 --> 00:27:46.039
Yeah, Well, you guys are probably the best ones to,

549
00:27:46.559 --> 00:27:48.960
you know, talk to you, right, You're still on all

550
00:27:49.000 --> 00:27:50.880
the news stuff coming down the pipeline.

551
00:27:51.079 --> 00:27:53.480
A guy like me has no idea, you know.

552
00:27:55.160 --> 00:27:57.920
All right, man, Well, hey, I'm so glad you're this

553
00:27:57.960 --> 00:28:00.440
is a second time you've come on. Let me, I'm

554
00:28:00.440 --> 00:28:02.720
gonna pull up your information here, give me one second,

555
00:28:04.519 --> 00:28:07.880
but give the audience a little snippet of who you

556
00:28:07.960 --> 00:28:10.359
are if they haven't seen you before.

557
00:28:10.640 --> 00:28:11.039
Yeah.

558
00:28:11.160 --> 00:28:14.279
Yeah, So my name is John Alanya. I am a

559
00:28:14.359 --> 00:28:18.519
realtor here in southern California. I primarily service Riverside County

560
00:28:18.519 --> 00:28:19.640
and surrounding areas.

561
00:28:20.799 --> 00:28:22.400
Been in the industry for eight years.

562
00:28:22.400 --> 00:28:25.240
I'm actually in the process of renewing my license for

563
00:28:25.279 --> 00:28:27.319
another four years, so I'm definitely doing this for another

564
00:28:27.359 --> 00:28:27.880
four years.

565
00:28:28.240 --> 00:28:28.559
Nice.

566
00:28:28.680 --> 00:28:31.400
Nice, I'm glad you're not going anywhere.

567
00:28:31.599 --> 00:28:31.839
Yeah.

568
00:28:31.960 --> 00:28:36.400
Yeah, yeah, So that's the basic gist, you know. I

569
00:28:36.400 --> 00:28:38.759
thank you again for having me on the show again.

570
00:28:39.480 --> 00:28:42.519
The first time was a lot of fun and excited

571
00:28:42.599 --> 00:28:43.839
to do this with you today.

572
00:28:44.039 --> 00:28:47.279
So yeah, we're hoping. We're kind of doing some new

573
00:28:47.359 --> 00:28:50.920
things with our show. We're creating viral clips and showing

574
00:28:50.960 --> 00:28:54.480
it off our socials like TikTok and whatnot, so hopefully

575
00:28:54.519 --> 00:28:56.359
we get that information out to you. If you guys

576
00:28:56.400 --> 00:28:58.839
don't know, Johnny helped us buy our first home out

577
00:28:58.839 --> 00:29:02.440
here in Chino, So he's the man. He is a

578
00:29:02.480 --> 00:29:06.640
wonderful person inside it out, really cares about the client

579
00:29:06.799 --> 00:29:10.480
and does wonders to get to you the right place.

580
00:29:10.720 --> 00:29:14.079
He's not pushy, he's patient, and so I loved that

581
00:29:14.160 --> 00:29:17.359
about you, man, But you did you said said that

582
00:29:17.480 --> 00:29:20.680
some questions to ask you. I know, the market changes constantly.

583
00:29:22.119 --> 00:29:24.880
Interest rates seem to be still kind of inching up

584
00:29:24.960 --> 00:29:26.200
right on the mortgage. Yeah.

585
00:29:27.039 --> 00:29:29.920
Yeah, so yeah, it's been it's been a sticky thing.

586
00:29:30.000 --> 00:29:32.240
I mean I think even last time we spoke, it

587
00:29:32.319 --> 00:29:35.480
might have been around when the Iran War might have started.

588
00:29:35.799 --> 00:29:36.920
Yeah.

589
00:29:37.039 --> 00:29:39.000
Yeah, so that kind of threw a wrench and everything

590
00:29:39.000 --> 00:29:41.319
because the rates were starting to trend down and now

591
00:29:41.359 --> 00:29:44.240
they've actually they're at a pretty high level now again.

592
00:29:45.680 --> 00:29:49.200
And you know, yesterday there was a conference going on

593
00:29:49.319 --> 00:29:53.160
and basically the economist was saying, like, this market is

594
00:29:53.200 --> 00:29:56.640
the market, like there's there's not really an outlook where

595
00:29:56.640 --> 00:29:59.359
things get all that much better than what it is now.

596
00:29:59.400 --> 00:30:01.680
And it's been like this for about three years. You know,

597
00:30:01.720 --> 00:30:04.599
it's been about the same market for three years, high

598
00:30:04.599 --> 00:30:09.720
interest rate arena, and you know, yeah, it's just people

599
00:30:09.720 --> 00:30:11.799
are like, oh, I'm gonna wait for the crash. Well,

600
00:30:12.279 --> 00:30:14.480
people have been waiting for the crash. Honestly since I

601
00:30:14.559 --> 00:30:17.960
started in twenty eighteen. People were like, oh, there's going

602
00:30:18.000 --> 00:30:19.720
to be a crash in two years. We'll wait to

603
00:30:19.759 --> 00:30:22.359
buy then and it just never came, you know, And

604
00:30:22.680 --> 00:30:24.920
I don't think timing the market is really the right thing.

605
00:30:25.000 --> 00:30:28.200
It's more so of like what your specific situation is,

606
00:30:28.839 --> 00:30:31.720
on how your finance are and if you need to

607
00:30:31.720 --> 00:30:34.799
buy a house. So yeah, so yeah, the market that

608
00:30:34.839 --> 00:30:36.319
are kicking around.

609
00:30:36.440 --> 00:30:38.960
Let me ask you this, are there because obviously prices

610
00:30:39.000 --> 00:30:42.920
are so high, especially in California, right, are there programs

611
00:30:43.000 --> 00:30:45.880
right now that people can kind of access?

612
00:30:46.799 --> 00:30:47.759
I mean yes and no.

613
00:30:48.000 --> 00:30:50.960
I mean everybody always talks about the first time home

614
00:30:51.000 --> 00:30:55.519
buyer programs and you know, getting like down payment assistance,

615
00:30:55.559 --> 00:30:57.039
but those things come with caveats.

616
00:30:57.079 --> 00:31:00.160
You know, they usually come with higher interest.

617
00:31:01.519 --> 00:31:04.400
So that's one thing, and that obviously affects your mortgage payment.

618
00:31:04.440 --> 00:31:07.920
And I think everybody that's buying a house, it's not

619
00:31:08.039 --> 00:31:09.920
so much the price of the house, it's how much

620
00:31:09.920 --> 00:31:12.279
you're paying per month, because that's part of your budget.

621
00:31:12.400 --> 00:31:12.599
Right.

622
00:31:13.119 --> 00:31:17.319
So the way that I've been seeing it being managed

623
00:31:17.480 --> 00:31:21.480
in the recent times is generally buyers are getting closing

624
00:31:21.559 --> 00:31:24.119
costs right now. I mean I feel like that's almost

625
00:31:24.160 --> 00:31:28.319
every situation that's happening, and those closing costs can be

626
00:31:28.400 --> 00:31:30.359
used to buy your rate down if it makes sense.

627
00:31:31.119 --> 00:31:32.839
Some people are opting to do like a two to

628
00:31:32.880 --> 00:31:35.079
one by down where your interest rates lower for the

629
00:31:35.119 --> 00:31:38.319
first two years and then it ramps up to what

630
00:31:38.359 --> 00:31:40.640
it should be, you know, from the initial like the

631
00:31:40.680 --> 00:31:44.839
actual loan amount or the interest amount. But yeah, that

632
00:31:45.119 --> 00:31:48.160
you know, there's tricks on trying to get it better

633
00:31:48.240 --> 00:31:49.119
to get into a house.

634
00:31:49.119 --> 00:31:51.480
But the reality is like, yeah, the payments are high.

635
00:31:51.519 --> 00:31:54.519
I mean, I would say generally, on average, I'm seeing

636
00:31:54.519 --> 00:31:57.920
first time home buyers paying forty seven hundred to over

637
00:31:58.000 --> 00:32:01.160
five thousand. And these are like people you know, and

638
00:32:01.200 --> 00:32:05.319
now he's like just got married, and to me, that's crazy,

639
00:32:05.440 --> 00:32:07.400
but but it is what the norm is right now.

640
00:32:07.680 --> 00:32:11.240
Unfortunately is I mean, that's one of that's us right yeah, yeah,

641
00:32:11.319 --> 00:32:13.519
I mean and we got we got in right when

642
00:32:13.640 --> 00:32:15.799
I mean our interest rates five point two five, which

643
00:32:15.839 --> 00:32:16.640
is unheard of now.

644
00:32:16.680 --> 00:32:19.119
Oh yeah, see, like you're you're sitting on an asset

645
00:32:19.200 --> 00:32:19.480
right now.

646
00:32:19.559 --> 00:32:20.440
Yeah, exactly.

647
00:32:23.000 --> 00:32:27.559
Oh man, Well okay, so are there certain places like

648
00:32:27.960 --> 00:32:29.920
new home builds that are better.

649
00:32:30.720 --> 00:32:31.200
Yeah.

650
00:32:31.279 --> 00:32:35.079
Yeah, So I'm seeing people going through new construction and

651
00:32:35.119 --> 00:32:37.799
that's well, okay, it's it's a double edged sword.

652
00:32:38.200 --> 00:32:41.119
You get the good, you get a good.

653
00:32:40.960 --> 00:32:43.599
Interest rate by going with their lender, right, so you

654
00:32:43.680 --> 00:32:45.720
might you might actually get like a three point nine

655
00:32:45.759 --> 00:32:48.160
to nine, which is happening, like some people are offering that.

656
00:32:48.680 --> 00:32:51.039
But then most new construction is going to have high

657
00:32:51.119 --> 00:32:54.400
tax rates, so you're getting cut off by the high

658
00:32:54.440 --> 00:32:58.279
tax rates. So it's it's almost kind of even in

659
00:32:58.319 --> 00:33:01.519
a way. Uh, if you find a house that's you know,

660
00:33:01.599 --> 00:33:04.000
just a resale home that's regular tax rate, like what

661
00:33:04.079 --> 00:33:07.279
your house is right right, you know, yeah, you're offset

662
00:33:07.359 --> 00:33:10.319
by that lower tax rate, so it kind of cancels

663
00:33:10.359 --> 00:33:11.880
it out. To be honest with you, I think that's

664
00:33:11.880 --> 00:33:14.640
why new construction is doing that. But it could work

665
00:33:14.680 --> 00:33:16.960
for some people. You know, it just depends on the situation.

666
00:33:17.480 --> 00:33:19.720
Well, it seems like hoas are pretty high in those

667
00:33:19.759 --> 00:33:20.880
areas and that too.

668
00:33:20.960 --> 00:33:23.519
It's hard to find a new construction without an HA.

669
00:33:23.599 --> 00:33:26.000
They exist, but it's far and few between.

670
00:33:26.519 --> 00:33:28.000
Yeah yeah, yeah.

671
00:33:28.039 --> 00:33:30.640
Well the what's the biggest wins you've seen for your

672
00:33:30.640 --> 00:33:31.319
clients this year?

673
00:33:31.599 --> 00:33:34.319
Okay, So I wanted to share this because I was

674
00:33:34.359 --> 00:33:37.400
so excited about this. I just closed with the buyer

675
00:33:38.319 --> 00:33:41.920
less than a month ago, and we it was a

676
00:33:42.000 --> 00:33:46.640
multiple offer situation. But to make the long story short,

677
00:33:46.680 --> 00:33:50.720
we ended up getting them eighteen thousand enclosing cost credits. Wow,

678
00:33:50.759 --> 00:33:55.319
and the appraisal came in thirty thousand over what they.

679
00:33:55.200 --> 00:33:56.279
Offered for the house.

680
00:33:56.559 --> 00:33:57.279
Oh my gosh.

681
00:33:57.319 --> 00:34:00.599
So like, I mean, they scored dude. And I'll be honest,

682
00:34:00.640 --> 00:34:02.440
I haven't seen that in a long time. Like the

683
00:34:02.519 --> 00:34:04.400
last time I think I saw a huge gap, and

684
00:34:04.839 --> 00:34:08.239
the appraisal was probably five years ago.

685
00:34:09.599 --> 00:34:11.199
Thirty grand is a lot, dude.

686
00:34:11.320 --> 00:34:12.719
Yeah, that's crazy man.

687
00:34:13.039 --> 00:34:14.760
Yeah, And it's like, of course we don't tell the

688
00:34:14.800 --> 00:34:17.960
seller that because we're we actually negotiated more of that

689
00:34:18.039 --> 00:34:21.079
closing costs after we already had that number and it

690
00:34:21.159 --> 00:34:23.280
was just because of repairs that we were wanting to

691
00:34:23.280 --> 00:34:26.719
get for the house. So yeah, eighteen k and thirty

692
00:34:26.800 --> 00:34:29.000
k over appraisal. Like I was like, dude, that's a win.

693
00:34:29.079 --> 00:34:29.239
Bro.

694
00:34:29.320 --> 00:34:30.639
I had to share that, dude.

695
00:34:30.679 --> 00:34:32.719
I was like, that's awesome. That's awesome.

696
00:34:32.719 --> 00:34:33.920
Not a common things.

697
00:34:34.039 --> 00:34:36.519
Those owners must be ecstatic.

698
00:34:36.000 --> 00:34:38.360
Right they're stud Yeah hundred percent.

699
00:34:38.639 --> 00:34:40.400
Yeah, wow, Wow, that doesn't hurt.

700
00:34:40.480 --> 00:34:42.719
But anyways, I guess to kind of carry on with

701
00:34:42.760 --> 00:34:44.719
that is I think a lot of buyers are getting

702
00:34:44.760 --> 00:34:48.719
closing costs right now, so there's opportunity in this crazy

703
00:34:49.239 --> 00:34:51.480
market where people are like I don't want to jump in,

704
00:34:51.559 --> 00:34:53.800
but it's like, dude, there's opportunities out there right now.

705
00:34:54.079 --> 00:34:55.599
Okay, okay, well that's good to know.

706
00:34:55.760 --> 00:34:58.320
I mean, because it just seems like, you know, you

707
00:34:58.360 --> 00:35:01.599
hear the reports is everyone seems pessimistic and I'm.

708
00:35:01.480 --> 00:35:04.960
Like, the houses are still being bought. I mean, you know,

709
00:35:05.119 --> 00:35:06.199
stuff that's being done.

710
00:35:06.519 --> 00:35:09.239
That's what sells though, right Like, if you put this

711
00:35:09.400 --> 00:35:12.280
podcast out and said, like, you know, Medicare's falling apart

712
00:35:12.400 --> 00:35:13.960
or whatever, like people are gonna be like, oh, I

713
00:35:14.000 --> 00:35:15.480
need to watch this, like what's happening?

714
00:35:15.519 --> 00:35:15.719
You know.

715
00:35:15.800 --> 00:35:18.880
So I think the scary stuff, like the scary news,

716
00:35:19.039 --> 00:35:22.559
the headlines, that's what grabs the attention. But that's a

717
00:35:22.639 --> 00:35:25.039
marketing employee, man, I really do I feel like people

718
00:35:25.079 --> 00:35:28.920
are going for the views, you know. I still feel

719
00:35:29.039 --> 00:35:33.679
very confident that pricing is going to stay pretty steady.

720
00:35:33.880 --> 00:35:34.039
You know.

721
00:35:34.159 --> 00:35:36.760
I'm not seeing a super low drop and I'm not

722
00:35:36.840 --> 00:35:39.800
seeing like a super like high increase in pricing. I

723
00:35:39.800 --> 00:35:42.719
think it's going to be very steady because of the market.

724
00:35:42.960 --> 00:35:45.239
It's just it's a slow moving market right now. The

725
00:35:45.280 --> 00:35:48.960
volumes down, so without volume you can't see a huge

726
00:35:49.079 --> 00:35:50.599
jump one way or the other.

727
00:35:51.480 --> 00:35:54.639
Okay, So where where do you see the market going

728
00:35:54.679 --> 00:35:57.760
short term? Long term, short short term?

729
00:35:57.960 --> 00:36:00.599
I've always said this, dude, there's opportunit unity in the

730
00:36:00.639 --> 00:36:04.119
winter time, man Like if someone if someone is like,

731
00:36:04.199 --> 00:36:05.920
if there's someone out there that's like, oh, I'm waiting

732
00:36:05.960 --> 00:36:09.159
for the market to crash every winter, Like, start looking

733
00:36:09.199 --> 00:36:12.719
for a house in October, because once Thanksgiving and Christmas

734
00:36:12.719 --> 00:36:15.039
comes around, a lot of people don't jump into the market.

735
00:36:15.039 --> 00:36:19.239
They're busy with family, they're busy managing the holidays. And

736
00:36:19.559 --> 00:36:23.760
I've always seen the best deals for my clients in December,

737
00:36:23.880 --> 00:36:27.639
December to January, best time in fact, personally, me and

738
00:36:27.679 --> 00:36:29.679
my family are in the market for a home, and

739
00:36:29.760 --> 00:36:32.840
I'm basically waiting till then to start looking like we're

740
00:36:32.880 --> 00:36:38.119
always looking, we're always looking, but that's the time for me,

741
00:36:38.320 --> 00:36:41.000
I'm jumping in around that time. That's that's when we're

742
00:36:41.039 --> 00:36:43.159
going to start really heavily looking because I know that

743
00:36:43.159 --> 00:36:44.199
that's when the deals happen.

744
00:36:44.679 --> 00:36:46.920
Well, so I know, I know you guys are looking

745
00:36:46.920 --> 00:36:48.039
for a bigger place, so that.

746
00:36:48.119 --> 00:36:51.760
Yeah, we are, absolutely, dude, absolutely, And then long term,

747
00:36:51.880 --> 00:36:54.800
you know, it's I think it's going to be a

748
00:36:54.960 --> 00:36:58.920
very steady market long term. So the thing is, like,

749
00:36:59.000 --> 00:37:01.480
we actually did put an offering on a house earlier

750
00:37:01.559 --> 00:37:05.320
this year, but then we just decided, I had too

751
00:37:05.360 --> 00:37:07.199
many projects going on because we're going to keep our

752
00:37:07.199 --> 00:37:09.840
house here. I had a project going on outside that

753
00:37:09.880 --> 00:37:12.000
I was dumping money into, and then the new house

754
00:37:12.039 --> 00:37:14.639
that we were looking at needed a bunch of work,

755
00:37:14.679 --> 00:37:15.840
and I was like, man, I don't know if I

756
00:37:15.840 --> 00:37:20.039
could manage two large projects at once. We just decided

757
00:37:20.079 --> 00:37:22.639
for our family, it was like, Okay, are we adding

758
00:37:22.679 --> 00:37:24.360
stress to our lives or is this going to make

759
00:37:24.400 --> 00:37:26.920
us happy? And we we chose happiness, dude, and that

760
00:37:27.079 --> 00:37:29.880
was not going forward with the house, you know. And

761
00:37:30.000 --> 00:37:34.559
so I don't I share that story because even for me,

762
00:37:34.920 --> 00:37:37.960
like I am literally in the market with my buyers

763
00:37:37.960 --> 00:37:41.119
and my sellers, and even for us, like I was like,

764
00:37:41.159 --> 00:37:43.440
you know, it's okay to wait because I really don't

765
00:37:43.440 --> 00:37:45.599
think pricing is going to go up so much next

766
00:37:45.679 --> 00:37:49.039
year that I'm like, you know, trying to buy the

767
00:37:49.039 --> 00:37:50.840
market now because price is going to go up, Like

768
00:37:50.880 --> 00:37:52.360
I'm okay waiting until next year.

769
00:37:52.440 --> 00:37:53.079
I really am.

770
00:37:53.239 --> 00:37:56.679
So that's my mentality, and I passed that along to

771
00:37:56.880 --> 00:38:00.440
any you know, future buyer that's thinking about doing something

772
00:38:00.559 --> 00:38:03.079
like Waiting's okay, Like if you need to know.

773
00:38:03.119 --> 00:38:04.960
That, I mean, that's good to know because we're I mean,

774
00:38:05.000 --> 00:38:09.079
we were looking at doing construction here. We're thinking of

775
00:38:09.199 --> 00:38:12.280
doing like a small addition, but the costs are so expense.

776
00:38:12.360 --> 00:38:14.400
I'm like, it might be better just to buy a home.

777
00:38:15.000 --> 00:38:15.440
It is.

778
00:38:15.599 --> 00:38:17.679
And you know, the thing that people don't think about

779
00:38:18.039 --> 00:38:20.360
is you do an addition to your home, and like,

780
00:38:20.440 --> 00:38:22.599
I'm locked in on a really good property tax rate,

781
00:38:22.679 --> 00:38:24.440
right because I you know, it's locked in at what

782
00:38:24.480 --> 00:38:26.360
your price that you pay for your house, and it

783
00:38:26.360 --> 00:38:29.400
only goes up a certain amount per year. And the

784
00:38:29.480 --> 00:38:32.199
second that we do anything here where we add square

785
00:38:32.199 --> 00:38:36.760
footage there, it could potentially retrigger another reevaluation of our

786
00:38:36.800 --> 00:38:39.800
property taxes and I just lose out on that. So, yeah,

787
00:38:39.960 --> 00:38:42.480
forgets something to think about that, you know. I mean,

788
00:38:42.599 --> 00:38:44.400
I don't think most people do think about that. But

789
00:38:44.440 --> 00:38:46.360
it's an added cost, right, and that's going to be

790
00:38:46.400 --> 00:38:48.159
something forever, you know.

791
00:38:48.400 --> 00:38:50.159
That's right, That's right. I don't even think about that.

792
00:38:50.679 --> 00:38:54.599
Yeah. Yeah, see, well I might I.

793
00:38:54.639 --> 00:38:57.159
Might be hitting you up next year. We'll see how things. Yeah,

794
00:38:57.320 --> 00:38:59.119
this is going really well and it's good.

795
00:38:59.559 --> 00:39:03.599
We need a space as well, so yeah, yeah, all right,

796
00:39:03.639 --> 00:39:07.239
all right, Well, so long term, do you think you

797
00:39:07.280 --> 00:39:09.400
think these interest rates are here to stay?

798
00:39:09.559 --> 00:39:12.960
You think I personally don't think we're ever going to

799
00:39:13.000 --> 00:39:16.880
see like three percent rates for a while. If ever,

800
00:39:18.000 --> 00:39:20.639
I don't know, dude, I'll be honest with you, like

801
00:39:20.679 --> 00:39:23.360
I'm okay with saying I don't know, because the fact

802
00:39:23.360 --> 00:39:26.760
of the matter is, like even the NBA Mortgage Bankers Association,

803
00:39:26.880 --> 00:39:30.480
those guys are the pinnacle of like economists when it

804
00:39:30.480 --> 00:39:34.239
comes to interest rates, and even them, like they made

805
00:39:34.280 --> 00:39:36.760
so many predictions in the last three four years that

806
00:39:36.800 --> 00:39:37.880
were completely wrong.

807
00:39:38.639 --> 00:39:40.800
So I mean, I don't think anybody knows.

808
00:39:40.840 --> 00:39:42.519
I think it's just one of those things where it's

809
00:39:42.559 --> 00:39:44.519
like you got to just kind of roll with the punches.

810
00:39:44.599 --> 00:39:47.519
But for interest rates, yeah, I don't see them going

811
00:39:47.559 --> 00:39:50.079
super low. I mean, I think they're at where they're at,

812
00:39:50.119 --> 00:39:53.119
and maybe we'll touch in the fives. If we got

813
00:39:53.199 --> 00:39:55.599
in the fours, i'd be surprised, and that would be like,

814
00:39:56.440 --> 00:39:59.440
but here's the thing. Rates go down, home prices go up,

815
00:39:59.480 --> 00:40:01.719
So it's like, you know what I mean, it's use

816
00:40:01.719 --> 00:40:03.480
your poison. That's gonna be one or the other.

817
00:40:04.159 --> 00:40:06.480
So so what kind of things like, I know you've

818
00:40:06.519 --> 00:40:08.599
probably touched on this already, but what kind of things

819
00:40:08.719 --> 00:40:11.679
do buyers and you look into specifically if they want

820
00:40:11.719 --> 00:40:12.880
to enter the market right now?

821
00:40:13.440 --> 00:40:17.599
I would say it's never too early to explore your

822
00:40:17.639 --> 00:40:20.000
options with a lender, and that's really the first stop.

823
00:40:20.039 --> 00:40:21.400
Like I get phone calls all the time.

824
00:40:21.440 --> 00:40:23.320
They're like, hey, we're looking to buy a house, and

825
00:40:23.599 --> 00:40:25.719
you know you're our first stop. But the reality is

826
00:40:25.719 --> 00:40:27.800
I'm not the first stop. I might be the first

827
00:40:27.800 --> 00:40:31.639
stop to direct you where to go, but the reality

828
00:40:31.719 --> 00:40:34.119
is a lender is the first person. Because I don't

829
00:40:34.119 --> 00:40:37.440
care what you say, dude. Everybody's decision making is based

830
00:40:37.480 --> 00:40:39.960
on the budget, and you don't know your budget until

831
00:40:40.000 --> 00:40:42.639
you talk to a lender. So talking to a lender

832
00:40:42.840 --> 00:40:46.119
is free, there's no cost. You're not committing to buying anything.

833
00:40:47.280 --> 00:40:49.920
You know, we're not gonna bug you like you harped on,

834
00:40:50.000 --> 00:40:51.039
Like you know, I'm not pushy.

835
00:40:51.239 --> 00:40:52.920
I've ran my business like that forever.

836
00:40:53.159 --> 00:40:53.360
You know.

837
00:40:53.440 --> 00:40:55.559
It's like I hate going into a store and like

838
00:40:55.679 --> 00:40:56.880
right away like, oh, how can.

839
00:40:56.719 --> 00:40:57.119
I help you?

840
00:40:57.360 --> 00:40:59.719
I don't want help right away. I just want to Yeah,

841
00:41:00.239 --> 00:41:02.320
so I kind of run my business the same way.

842
00:41:02.360 --> 00:41:04.880
It's like, I'm here to help, but I'm not going

843
00:41:04.960 --> 00:41:07.440
to be pushing on you. But yeah, with a lender, like,

844
00:41:07.480 --> 00:41:10.559
there's no obligation to move forward, it's free. You talk

845
00:41:10.639 --> 00:41:13.119
to them, they run the numbers with you. Maybe it

846
00:41:13.199 --> 00:41:15.480
makes sense at the time, maybe it doesn't, and if

847
00:41:15.519 --> 00:41:18.119
it doesn't, then cool. They'll give you a game plan like, hey,

848
00:41:18.280 --> 00:41:19.960
you got to increase your income or you've got to

849
00:41:19.960 --> 00:41:22.360
pay off some debts. But either way, you're gonna have

850
00:41:22.840 --> 00:41:25.519
a route to take to get to the point of

851
00:41:25.559 --> 00:41:27.599
being able to buy a house. And that that That's

852
00:41:27.679 --> 00:41:30.239
what I would say for any buyers. Just see what

853
00:41:30.280 --> 00:41:30.679
you can do.

854
00:41:31.000 --> 00:41:33.960
It's free. It takes a few minutes and that's it.

855
00:41:34.079 --> 00:41:35.440
And then you get side there.

856
00:41:36.360 --> 00:41:39.920
Well, I'm gonna I'm gonna kind of pivot a little

857
00:41:39.920 --> 00:41:42.719
bit and ask you a question about just real estate

858
00:41:42.719 --> 00:41:45.920
in general. You know, I've got some friends who are

859
00:41:45.960 --> 00:41:49.119
looking for a job and they always ask me, you know,

860
00:41:49.159 --> 00:41:53.119
how to become a medical broker. Obviously, the conversation also

861
00:41:53.159 --> 00:41:55.920
goes to real estate. You know, it's it's tricky. I know,

862
00:41:57.079 --> 00:42:00.079
it's just like our market, it's up and down. You know,

863
00:42:00.199 --> 00:42:02.320
some months are really good and some months are not.

864
00:42:03.480 --> 00:42:04.639
How do you navigate that?

865
00:42:04.719 --> 00:42:05.719
What would you tell.

866
00:42:05.599 --> 00:42:08.119
Someone who you might be grinning to become a real

867
00:42:08.159 --> 00:42:10.039
estate agent things to look for?

868
00:42:10.840 --> 00:42:12.360
Oh boy, I.

869
00:42:12.360 --> 00:42:16.000
Would say that that's a great question.

870
00:42:16.599 --> 00:42:19.000
I think it's it's more about mindset.

871
00:42:19.000 --> 00:42:20.599
And I think we even touched on this last time,

872
00:42:20.719 --> 00:42:24.239
Like real estate is not an easy industry. Like I'm

873
00:42:24.239 --> 00:42:29.239
a mentor within my brokerage, so I have mentees, new

874
00:42:29.280 --> 00:42:32.519
people in the in the arena that surround me, and

875
00:42:32.599 --> 00:42:34.800
I see the struggles that they go through, you know,

876
00:42:35.039 --> 00:42:39.559
and you know, like, thank God I got into the

877
00:42:39.599 --> 00:42:42.119
industry when I did. I mean I still say to

878
00:42:42.159 --> 00:42:45.679
this day, like my success has been a true blessing

879
00:42:45.719 --> 00:42:50.119
from God on how it's the trajectory, how I've been

880
00:42:50.159 --> 00:42:52.719
able to maintain relationships with my clients. Like if I

881
00:42:52.719 --> 00:42:55.679
didn't get that base and then get all these referrals,

882
00:42:55.719 --> 00:42:57.199
I probably wouldn't be in business.

883
00:42:57.199 --> 00:42:58.280
I mean, that's the true right.

884
00:42:58.719 --> 00:43:02.000
So if for anybody new getting into the industry, I

885
00:43:02.000 --> 00:43:05.440
would say, you have to have fixed skin. You don't

886
00:43:05.480 --> 00:43:09.840
fail unless you give up, right, So if you keep pushing,

887
00:43:10.440 --> 00:43:14.719
you eventually will get to a successful point in your career.

888
00:43:15.480 --> 00:43:17.559
The time that you fail is when you give up.

889
00:43:18.239 --> 00:43:20.000
And that's the only thing I could say, because I

890
00:43:20.000 --> 00:43:22.199
think a lot of people get into the industry thinking like, oh,

891
00:43:22.239 --> 00:43:25.639
I'm going to join a brokerage and I'm an employee,

892
00:43:25.719 --> 00:43:27.719
like I'm just going to get leads handed to me.

893
00:43:27.960 --> 00:43:30.559
That's not how the industry works. Like, you're literally starting

894
00:43:30.599 --> 00:43:33.280
a business, so you know, you need to go into

895
00:43:33.280 --> 00:43:35.920
it with a business mindset that you're growing your business

896
00:43:35.920 --> 00:43:38.559
from zero to something more.

897
00:43:39.360 --> 00:43:43.760
Now, are there any certain companies they should be looking at?

898
00:43:43.880 --> 00:43:47.039
I mean, and you're obviously you're a little bit.

899
00:43:47.000 --> 00:43:49.599
Yeah, when well, no, you know what, when I first

900
00:43:49.639 --> 00:43:53.199
got into real estate, I did. I started with a

901
00:43:53.239 --> 00:43:57.000
brokerage that gave me zero guidance and that lasted for

902
00:43:57.039 --> 00:44:01.280
like three months, and then luckily I met somebody that

903
00:44:01.679 --> 00:44:04.239
introduced me to one of the first brokerages I was at,

904
00:44:04.320 --> 00:44:06.199
and the first thing they did was they stuck me

905
00:44:06.239 --> 00:44:08.719
in like a four week training program, which I don't

906
00:44:08.760 --> 00:44:10.639
even know if you could really find that anywhere. I'll

907
00:44:10.679 --> 00:44:15.519
be honest with you anymore, but that the if anybody's

908
00:44:15.559 --> 00:44:17.320
looking to get into a brokerage. It needs to be

909
00:44:17.400 --> 00:44:19.840
one that is going to hold your hand and show

910
00:44:19.880 --> 00:44:24.199
you how to do the business. And yeah, I mean, yeah, sure,

911
00:44:24.239 --> 00:44:27.880
I'll be biased like the brokerage I'm with exp Realty.

912
00:44:28.199 --> 00:44:30.280
You know, they set you up with a mentor when

913
00:44:30.360 --> 00:44:33.480
you start, so as long as you get a good mentor,

914
00:44:34.079 --> 00:44:37.920
you'll be taken care of, you know. And every mentor

915
00:44:38.000 --> 00:44:39.920
is going to be different, right, because I think everybody

916
00:44:40.000 --> 00:44:42.239
runs their business in a different fashion. Like there's so

917
00:44:42.280 --> 00:44:45.039
many ways to run a real estate business. It just

918
00:44:45.079 --> 00:44:47.880
depends on the type of person you are. But yeah,

919
00:44:47.880 --> 00:44:51.079
I would say picking a brokerage based on the instruction

920
00:44:51.400 --> 00:44:52.920
and based on the.

921
00:44:54.280 --> 00:44:56.000
Education is probably the best choice.

922
00:44:56.199 --> 00:44:58.800
Not you're split, not much how much money you're going

923
00:44:58.840 --> 00:45:00.400
to keep after you a.

924
00:45:00.360 --> 00:45:02.639
Deal like that to me is secondary.

925
00:45:02.840 --> 00:45:05.559
You need to learn the business first and then you

926
00:45:05.599 --> 00:45:08.840
can worry about maximizing your profit as a business owner.

927
00:45:09.199 --> 00:45:10.679
Okay, oh well that makes sense.

928
00:45:10.880 --> 00:45:11.119
Yeah.

929
00:45:11.119 --> 00:45:14.440
Well, hey, Johnny Man, I appreciate your time today. I mean,

930
00:45:14.559 --> 00:45:18.199
it's it's been awesome to have you back. Johnny's a

931
00:45:18.239 --> 00:45:20.639
good friend of mine. So any questions that you have

932
00:45:20.719 --> 00:45:23.159
about becoming a real estate agent or you're looking to

933
00:45:23.320 --> 00:45:27.400
enter the market. You've got the information there scrolling his

934
00:45:27.480 --> 00:45:30.079
phone numbers right there, nine to nine, A, two one, two,

935
00:45:30.119 --> 00:45:32.880
seven eighty one. Is that the best email address for

936
00:45:32.880 --> 00:45:33.239
your homes?

937
00:45:33.280 --> 00:45:35.880
That John, Yeah, it is. Yep, that's my best email.

938
00:45:36.119 --> 00:45:38.440
And if you want to find me online, if you

939
00:45:38.480 --> 00:45:40.400
search John Alan, your reeltor I pop up.

940
00:45:41.000 --> 00:45:44.440
Awesome, awesome. Yeah, Well, thanks my friend. I appreciate your time.

941
00:45:44.519 --> 00:45:45.719
Appreciate you too, dude.

942
00:45:45.920 --> 00:45:48.199
All right, you have a great morning and we'll we'll

943
00:45:48.199 --> 00:45:49.000
talk again soon.

944
00:45:50.039 --> 00:45:54.960
Right, all right, man, take care boyebye. Right, all right,

945
00:45:55.039 --> 00:45:59.480
that was our good friend Johnny Alaiyya. He's been in

946
00:45:59.480 --> 00:46:02.239
this industry for quite a bit of time and it's

947
00:46:02.239 --> 00:46:03.360
got some great things.

948
00:46:03.119 --> 00:46:03.800
To share with you.

949
00:46:03.880 --> 00:46:05.880
So if you need to reach out you're looking to

950
00:46:05.960 --> 00:46:08.480
enter the market, like you said, I mean, this market

951
00:46:08.599 --> 00:46:11.400
is pretty steady now. It's not going to really go

952
00:46:11.679 --> 00:46:15.559
up our down as much as people think. Unfortunately, these

953
00:46:15.559 --> 00:46:17.559
interest rates are going to stick around for quite a while.

954
00:46:17.639 --> 00:46:22.000
So if you're looking to enter, then definitely reach out

955
00:46:22.000 --> 00:46:25.480
to him. If you're out here in southern California. I'm

956
00:46:25.519 --> 00:46:27.760
going to share one last thing before we close out.

957
00:46:27.840 --> 00:46:30.000
Hopefully I can do this really fast.

958
00:46:30.039 --> 00:46:30.360
If not.

959
00:46:31.519 --> 00:46:42.760
Then we will see if I can do this next time. Okay,

960
00:46:42.880 --> 00:46:47.559
let's see here. Oh this is easier than I thought. Okay,

961
00:46:47.960 --> 00:46:56.119
so I'm going to try to perfect all right. So

962
00:46:56.280 --> 00:46:59.760
this is our website, Josephinsurancebroker dot com. We just got

963
00:46:59.760 --> 00:47:03.000
a new article published on us. You can go to

964
00:47:03.000 --> 00:47:06.360
our homepage and read that article. It's from Voyage La.

965
00:47:06.480 --> 00:47:07.079
So I'm just going to.

966
00:47:07.119 --> 00:47:07.719
Click this.

967
00:47:11.719 --> 00:47:15.119
And if you look, this is an awesome article about us.

968
00:47:16.159 --> 00:47:19.760
We are out there, we're making an impact in our community.

969
00:47:20.719 --> 00:47:24.079
I love the fact that our story is being shared everywhere,

970
00:47:24.360 --> 00:47:26.719
so I highly recommend you read this article.

971
00:47:27.960 --> 00:47:29.519
Just kind of a couple of tidbits.

972
00:47:29.559 --> 00:47:32.199
It talks about our radio show here, our podcast that

973
00:47:32.239 --> 00:47:35.199
we do weekly, so we're trying to get the word out.

974
00:47:36.199 --> 00:47:38.360
We do medicare one of ones all over the place,

975
00:47:38.400 --> 00:47:40.599
so if you always go to our website, there'll be

976
00:47:40.679 --> 00:47:44.280
information on what we're sharing. So I just want to

977
00:47:44.280 --> 00:47:50.039
share that little story with you guys. So hopefully you

978
00:47:50.039 --> 00:47:51.920
guys all saw that. If you're on a podcast and

979
00:47:52.000 --> 00:47:54.840
here in the audio, just go to Josephinsurancebroker dot com.

980
00:47:55.599 --> 00:47:58.039
We thank you so much for listening in. We thank

981
00:47:58.079 --> 00:48:00.840
you for our supporters, our sponsors. At the end of

982
00:48:00.840 --> 00:48:02.599
our show, now you can see a list of our

983
00:48:02.639 --> 00:48:05.920
sponsors that have been on our show, our guests, and

984
00:48:05.960 --> 00:48:07.280
we appreciate.

985
00:48:06.760 --> 00:48:09.280
All of you. We wouldn't be here without them, and.

986
00:48:09.199 --> 00:48:12.400
So I appreciate all the support we've gotten from our

987
00:48:12.440 --> 00:48:14.320
past guests. If you want to be a sponsor, just

988
00:48:14.360 --> 00:48:17.400
reach out to me through Facebook. We are on Facebook Live.

989
00:48:17.480 --> 00:48:21.079
We're on our YouTube channel, Medicare Minute with Peter. That's

990
00:48:21.079 --> 00:48:24.599
our YouTube channel, so check us out. Thank you so much,

991
00:48:24.679 --> 00:48:27.239
and we do this because we medicare.

992
00:48:28.320 --> 00:48:32.199
Thanks for listening. Tune into Medicare Hour and More with

993
00:48:32.360 --> 00:48:36.320
Peter every Tuesday at nine am Pacific time right here

994
00:48:36.400 --> 00:48:41.159
on k FORHD Radio at KFOURHD dot com for more

995
00:48:41.239 --> 00:48:45.239
real life stories from experts being to medicare about you

996
00:48:45.519 --> 00:48:50.159
and protecting your health, your finances, and your future. See

997
00:48:50.159 --> 00:48:50.960
you next week.