Welcome Home with Monique October 26, 2024

What is Welcome Home with Monique?

Monique Buchanan, your real estate specialist, talks all things real estate. On this show she covers the processes of buying and selling a home. Welcome Home with Monique informs you on best practices to navigate the housing market so that you can start building your wealth through home equity.

Unknown Speaker 0:00
This is a Kun V studios original program. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. I know you see me on the radio, but you still don't pay me

Unknown Speaker 0:26
no attention. Good

Unknown Speaker 0:27
morning. This is Monique Buchannan, the host of the welcome home with Monique show. And on this show, I talk all things real estate. Listen. I want to thank you for tuning in. Well, happy Saturday Las Vegas. It's Monique Buchannan the host of the welcome home with Monique welcome home with Monique show, and I am just loving this weather. I don't know about you, but yes, yes, yes. Thank you Lord. Finally, out of those hundreds, right? So listen, I've got a lot to talk to you guys about today. Once again, a great show, a very needed show. I've got some guests coming on in just a couple minutes, they're gonna go over everything, insurance, you know, Medicare, all that good stuff, stuff that we don't know nothing about, honey, and when you go on that website, you're just as lost, I'm sure as me, at least. I don't know, maybe it's just me, but I'm completely lost, and I'm over here trying to take care of my father and make sure that all his needs are met. And I just don't have that education. Listen, I can help you with houses. I can't help you with Medicare. So that's why I'm gonna bring on my team. They have helped me with my father and many more people that I know, so they're gonna break down everything for us. But before we bring them on, I've got none other than my partner, Miss Becky coins, hi, Becky. Hey, Mo, how's it going? It's going great, because me and you are getting all these amazing K u n v listeners, into beautiful homes. It doesn't feel good. Oh, it feels amazing. Yes, yeah. So I just love it. So Becky's like, Oh my gosh. You know, I just love giving keys. It just makes me feel so good. She was like, I was telling my mom the other day, I love what I do, because it's right, like, that's like, that's my motivation is to see that beautiful smile, especially on somebody's face that thought they could not be a homeowner. And there's so many people

Unknown Speaker 2:04
out there, right? Oh, so many, so many. They count themselves

Unknown Speaker 2:06
out, yeah. They're like, Oh, no, I can't, you know, it's my credit. My credit is so bad I'm not gonna be able to. And then when they call me, and I'm like, Oh, just call me. Call me. You tell me what your credit is. And then a lot of times, it's not as bad as they think. Just takes a phone call, yeah. And then sometimes they're like, Well, I've got, you know, so it's a 580 or it's 600 but I've got all this 401, K money, because I've been at the MGM for 20 years. I'm like, hello, hello, hello. You only need a 600 when you have your own money down. That is what this show is about, you guys. It's about breaking up myths and showing you the pathway to home ownership. I want as many of you guys out there, me and Becky, want as many of you out there to become homeowners, stop paying somebody mortgage. Because guess what? At the end of the day, you're paying somebody's mortgage. Is it gonna be your own or somebody else? You gonna make wealth for your family, or you gonna make wealth for somebody else's family? That's what it boils down to. Don't fool yourself when you make that rent, that rent payment every month, whether it's, you know, 2500 which is about average, right now, you're paying somebody's mortgage off. They're saying thank you every time you come in with that rent, yes, ma'am. What do I say at the end of your lease? You're gonna walk away if you beg, borrow and steal and take video your security deposit of 2500 because you wanna move on. How about own something? Get an asset for the same right now, the window shutting, you guys, but right now for the same amount of money, when you go to rent, you're gonna pay it first, last deposit on average 5000 $6,000 Am I right? Becky, to rent? Oh yeah, just to rent, they're gonna run your credit. You're gonna pay all this money just to rent. Not even owned. Get nothing out of it. So throw your money away every single month. And the qualifications for renting nowadays is insane, crazy, insane. If you got 620 they're snuffing their nose at you. I'm over here trying to sell you a house at 606 20. And they're like, Oh, you cannot rent with us. You got a 620 right credit score. Am I making it up? No,

Unknown Speaker 3:48
I took somebody out yesterday, and the stuff I looked up I was my jaw was on the ground. I was like, Are you for real, right now? And 650 and above on some of them, it was crazy. It was crazy. Hello,

Unknown Speaker 3:57
hello, listeners, please listen to me. You need, in many cases, 640 and above just to rent, why not have a five minute conversation with me and my team and buy something for the same amount of money out of your pocket, and in many cases, less? Okay, so we have closed homes just this, what just last two weeks for under $1,000 out of many of my clients pockets. You heard me. I'm not making it up. Because what are we doing? Becky, what are we doing? We're getting them into the down payment assistance program. Right? That's zero down out of your pocket then right now, because the sellers are out there hurting right now, because the rates just went back up, right? So there's not a flood of buyers in the market right now. So what does that do for you as a buyer? If you don't sit on your hands like everybody else, if you don't follow the sheep, right? And you say, wait a minute, why am I gonna do what everybody else does? Wait for everybody to jump into the pool at the same time. How about I just go ahead, go against the grain. I'll go ahead and buy the house now, right? Monique has a program where she can get me into a lower rate today, instead of buying it like later, and then paying more for the house and then having a lower rate. But now I paid more for the house. That doesn't make sense. How about I buy the house? Now, take advantage of Monique negotiating costs from the seller and Becky negotiating costs from the seller because they. Do it right now, because they don't have people banging down their doors. That window is gonna close. It's closing. So as soon as the rates do drop, like all your friends are waiting for, right? What's gonna happen then is now, Mr. Seller has your friends. You all want his house. Why in the world would I give you a discount on this house? In fact, I'm gonna raise the price. I'm not gonna pay a penny of your cost. Why would I? There's no incentive there. So let me and Becky negotiate you a deal like we have been, period for all of our clients, by the grace of God, giving him all the honor. Shout out real quick. But anyways, yeah, so that window is closing. You guys, I can get sellers to contribute. We have been getting what Becky 510, $1,000 from the sellers. Oh, yeah. So what does that mean for you, if you're listening, or if you're thinking about your kids right now, that don't own a house, or your family, your friends, whoever that means, if they come along with our team, we're gonna get them in a zero down program. Okay, we're gonna negotiate. In many cases, I would say, almost every single deal I've done, I've gotten closing costs from the seller the last like year. I can't think of one that we have. We haven't exactly so you're able to get those costs right now. So let me get zero down for you, and let me get the closing costs, which is the other portion that is due, paid for, in many cases, by the seller. Is that all right with you guys? Can I get you guys into a home? Give me and Becky please give you guys some keys, or your family or your friends or your loved ones, some keys, if this interests you, or if you've been thinking about purchasing your home or upgrading into a bigger home, or downgrading into a smaller home, 7029, 84, 3700, this is the welcome home team. You've got Becky coins, you've got me, and there's about five other of us. You guys have heard my lender, Anthony Valentino, guaranteed rate. He's one of the vice presidents for one of the largest mortgage companies in this country. Look it up, guaranteed rate. Okay, that's who we deal with. We have other lenders as well, but that's my go to. That man doesn't know what, no means he has wiggled my clients out of some crazy situations. Okay, he is the lender that the other lenders call and say, hey, what can I do to save this deal? That's who I deal with. That's who my team member is. All right, he's doing one right now. You know he's saving a deal that should have been dead, but he's doing it. That's what he does, right? What you're in fact, one of Becky's clients was told that they would never be able to buy a home. That's they were told never. When did you give her keys? Last week? Hello, last week. And they were told they would never such credits. Too bad you got this. You got that. You know what it is, you guys, they don't think out the box. They just move on. They want that low hanging fruit. They don't want to work. They don't want to work. They want easy. They want easy. We're not about easy over here. We're about getting it done. That's what we're about. God didn't put me in this position as a realtor, to just give up on my people, or on his people, to just walk away and say, oh, sorry, you're not a slam dunk, so I'm not gonna deal with you. But unfortunately, that's how a lot of people are. They do this as a side hustle. It's not their full time gig. The Lord didn't lead them out of the casino business, right? Becky, and just so you guys know, Becky used to work with me in the casino. Yes, I did. She sure did, and didn't. Everybody think I was crazy when I left everybody but me. You know what? She's not lying. Because guess what she did. Becky paid for my schooling at real estate. We went to school for real estate together, and that was about eight years ago. She paid for me to go. I thought, Well, Becky, you know, I God's leading me into real estate, but I gotta wait. Hey, I'm 100 with you guys. I'm an open book, you know, I talk to you guys out there like you're my family, because I feel like you are my extended family. And just on a side note, I'm an only child, so child. So you know, it's just something that us, only child, only children do. So the KU and B listeners are all my family, whether they get irritated by my corny laugh or not. Y'all steal my cousin. I love you, but honestly, our heart is in this. You guys. We love you. We want to see y'all win. Okay, and for my sellers out there, listen, if you have to sell right now, now, you know, I'm 100 with you. If you can hold off, go ahead and hold off, you guys. I would say hold off on selling until after the election. Once the election happens, I'm anticipating that the rates will go back down a little bit, put more buyers into the market right now. That's why it's such an amazing time for my buyers to hurry up. But for my sellers, hey, I'm 100 with you. I'm not thirsty, I'm not starving, okay, the Lord provides all my needs. So I'm not gonna sit here and tell you, Oh yeah, just sell, sell, sell right now. No, no, no. If you can wait, let's go ahead and wait till after the election. Then I'm me and Becky are here to help. But I would say, Hey, if you can hold off going home. I was not that long, like a week or so. But anyways, if you are thinking about selling, I will say, I've been saving my sellers 1000s of dollars. Let me tell you how, because once again, your girl is very well versed in lending. That is very unique to realtors, by the way. Guys, a lot of you guys think I'm a lender when you're listening to me, because I do know my stuff when it comes to lending. I am not a lender. I am a realtor. Okay? I'm the one that opens the doors. I'm the one that negotiates the deal for you. I'm the one that is like a pit bull watching over everybody, the lender, the title company. I'm making sure everybody's doing what they need to do. Okay, I'm protecting you as best I can, as long as you allow me, right? That's my job as a realtor, the lender. That's the money man. That's Anthony. He's the one that's, you know, gonna go over all your options, lay it all out for you, let you choose which option is best for you financially. But he gives them all to you. He doesn't give you the one that's gonna make him the most money. He gives them all to you, okay? Because he has integrity. So that's what we do over here. So anyways, so with that being said, my sellers, the way that you know this benefits my sellers is simply this, when I list your property for one I'm not charging you $1,000 broker fee. Which most agencies do I pay that on your behalf? My broker fee I pay on your behalf, so I don't even charge you that, okay? But besides that, when it comes time to negotiate, because I do know my stuff, and I am a full time realtor. When other realtors call me and send me an offer for your listing, which I'm representing you and they represent their buyer, many cases, I am educating the other realtor. On the other end of that phone call, I'm saying, Hey, Mr. Realtor, I see that you sent my seller an offer. I see that you're asking for $10,000 in closing costs out of my seller's pocket. Listen, we like everything in your offer, but that let me help you out. Let me educate you on how you can roll these funds into your buyer's loan, and it'll only cost your buyer 10, $15 extra on their payment. Do you think your buyer would be interested in that? Because yes, absolutely. Can you tell me how to do that? That's what I'm doing. I've saved my clients $10,000 in many cases, because I have that knowledge. I don't. I'm not a brand new realtor that's, you know, your yoga instructor that just got their license there, and don't, I'm so sorry, you guys. I don't mean to hate on y'all. I love y'all. But when it comes to selling a property Becky, it's one of the largest and most, you know, lucrative things you're gonna do in your lifetime. You wanna make sure you have somebody who knows what they're doing. Yes, period. Very, very big decision. Okay, sorry, not sorry. So at the end of the day, you definitely need to deal with somebody, even when you're purchasing that's one of the largest purchases. And now, because of the new laws that came in place August 17, technically, buyers are on the hook to pay their realtors. Now, have any of our buyers been paying us? No, not at all. Because we have negotiating skills. We have we make sure that that seller takes care of our compensation. But if you're dealing with somebody that doesn't know how to negotiate with a seller that doesn't know the full spectrum of real estate, you're putting yourself at a disadvantage. Okay, so anyways, I'm gonna stop patting myself on the back and me and Becky on the back. But hey, we do a good job. And you know, I give that, I give that credit to the grace of God, because I couldn't do none of this without him. Okay, like you guys know my my testimony is me and Becky used to both do cocktails at the Sun Coast shots out to the sun and to the Orleans casino, my boy, people out there right the coast crew. So anyways, that's what we used to do, and we had a great time doing it. Make great money. Yes, we did. People thought I was crazy because I was already making six figures slanging drinks, but God, said that's enough of that. I need you to come help my people. And so that's where we're at now, all right, guys, enough of that real estate chit chat, but listen, if you are interested in any of the down payment assistance programs, they are zero down Okay, so that means we'll get your down payment paid for you. You've got 640 credit score at least, and at least two years on any job. Okay, that's pretty much a criteria. 702 980 430-700-7029, 84 3700 welcome home with monique.com. Is a website, and you can check me out on YouTube and all that as well. And we are the Welcome Home Team. Isn't that, right? Miss Becky, will take you around look at houses. Yes, ma'am, but not without signing that. BBA, first. All right, guys, let's go ahead and welcome in none other than Miss Lachelle Buckner, hi, Lachelle, good

Unknown Speaker 12:30
morning. Miss Monique, good morning. Becky. How are you? I'm

Unknown Speaker 12:34
good and Marlon Johnson here with simple senior benefits. There

Unknown Speaker 12:38
we go. And Mr. Marlon Johnson, her partner with simple senior benefits. I like that name.

Unknown Speaker 12:42
Isn't it cool? It

Unknown Speaker 12:43
is cool, and it's easy to

Unknown Speaker 12:44
remember. Like, we keep it he's keeping it simple, simple

Unknown Speaker 12:48
senior benefits. And then Lachelle, you are with Medicare Advantage.

Unknown Speaker 12:53
So I am Vegas health and life. Okay, never

Unknown Speaker 12:55
mind that. No,

Unknown Speaker 12:58
no, that's all me too. That's you too. That's me too. But the business is Vegas health and life. So I'm CEO. So yes, I am a Medicare broker. I love it in Las Vegas, Nevada, the most beautiful state, in my opinion. So yes, it is, Jessica, we

Unknown Speaker 13:11
don't have any of those national disasters. Oh, my God. God bless the people over there. That's deal with them hurting. I

Unknown Speaker 13:16
know that's just awful. I think this is the thing. I don't know how you you pick up after that, like you're trying to put everything back together, and then six months later you got a whole nother, something else coming at you, right? I said, after a certain while, I'm like, You know what? I quit? Well,

Unknown Speaker 13:29
it was like a not even a month later for Florida, he got hit again. Yes, yes.

Unknown Speaker 13:33
So anyways, we're not talking about that kind

Unknown Speaker 13:36
of insurance today, but not today, not

Unknown Speaker 13:39
today. I can't help you with that. You can't. Yeah, I

Unknown Speaker 13:41
can't. We can't go there, but, but God bless you, and our prayers are with you. Our prayers are with you. All right, guys, so let's talk about Medicare. So when I called you, I was just so overwhelmed and lost in the process, like, I just don't understand what are the differences? Like, I didn't even know what's the difference in Medicare and Medicaid, right? Help me.

Unknown Speaker 14:00
Okay, so good morning, Las Vegas. Happy Saturday. There are a lot of differences. And technically, when it comes to the Medicare side, people don't realize that is your Social Security and Medicare. So that's the federal side. But when you're dealing with the Medicaid now we're looking at the state side. So one is low income, which is the Medicaid side, and then everything else is dealing with your social security. You work long enough to get your Medicare insurance, and that's your, you know, your red, white and blue card. So that's the other side. But there are differences between the two. Some people have both. Everybody has one, which is the Medicare if you're 65 or older, but the Medicaid is totally something different, and that's where we're looking at your income status. So that's how you qualify for the Medicaid is based on income. So I used to do Medicaid. I was a Medicaid caseworker for like, eight years. Oh, wow. Back home, way back in that COVID state of Michigan. We're both Michigan, so Wait,

Unknown Speaker 14:56
I gotta say something real quick. I forgot you. Just reminded me. Shouts out to. Stephen, my client that he called me and said, Monique, I just got approved by Anthony, but I want to move to Georgia. He is closing on his house tomorrow. So congratulations. He got his house. And congratulations to Mr. Mark, another KU and V listener that got his beautiful home last week. We love you. Thank you for trusting us. And yes, Michigan, if you out there and you want to move to Michigan, listen, we can have Michigan,

Unknown Speaker 15:24
listen, we can help. Well, if you're moving from Michigan, we can write that part too. Absolutely, relocation. Yes. Ma'am, yes, ma'am. So I did casework for the state of Michigan as a case actually, they called it eligibility specialist. So basically, it's a case worker. I'm helping people get their SNAP I'm helping people get their Medicaid, and that program is specifically based on income status. The income status does vary by state. So if you're in Michigan, you might qualify for Medicaid if your income is this but in Nevada, it's something totally different, and that one is where you go to the Department of Health and Human Service Office to apply specifically for Medicaid and your SNAP benefits. The good thing is, if you are located low income, is what we call it on the Medicaid side, and you also have Medicare, you actually qualify for some extra benefits on the Medicare side. Nice. So when you see all these commercials, you know you have this red, white and blue card. Call this number. You're getting all this stuff in the mail, and then people are calling you over the phone talking about Medicare. It's a lot, very overwhelming. Number one, Las Vegas, it is illegal for us to contact you by phone to ask you any questions about your Medicare. That is illegal. So I'm a broker. Marlins a broker. So pretty much what that means is we don't work for one specific company when it comes to Medicare, because they shop it around. So there are several. So the good thing with us is, if you come to us and Monique says, Hey, I have this one, I'm looking at what you have, and I'm comparing it to the other seven or eight that I'm able to kind of help you give them the best I'm giving you the best one. And now we, we're not saying, like, this one is the absolute best one. There's there's the best one. That's the best one for you. The nuances. You go over the nuances. We go over the nuances, because it's always going to be based on your doctors and your prescriptions. And that's what we're looking for. Which one is going to cover you the best on in regards to your medications. And as well as you want to keep your doctors, you can say, No, Michelle, I'm married to all five of those doctors. I need to keep all five Marlin, and I that's what we do. Oh, we look at your doctors and we try to find and if you can't, like, nobody's gonna allow you to keep those five. Okay, can we sell them on three out of the five? So, but that has to be your decision. So number one, it is illegal for us to call you over the phone to talk to you about your Medicare. And even if Monique says, Hey, call my dad. He needs your help because he just moved here from another state, tell your dad I'm expecting this call because it's illegal for us to call you. That's a teller marketing call, and we're not allowed to do that. So Las Vegas Seniors, please be very, very careful when you're getting that phone call. It is okay. I tell my clients, tell them I'm gonna put you on three way. I want you to talk to my broker. There you go. I want you to ask her all the questions you're asking me. And guess what? They do? Hang up. They hang out because they know it's illegal to make that phone call. And then

Unknown Speaker 18:07
they don't know who they're talking to. You're over here giving them all your information. You don't even know who's on the other side.

Unknown Speaker 18:12
You're not giving them all of that. And then the next time you go to your doctor, you find out you can't see your doctor because they change your insurance, and your doctor doesn't even participate with that provider. So of course, seniors are, you know, they're very sometimes they can be vulnerable because the person saying, Oh, I can get you this and I'm gonna give you that, yeah, something sounds good. Some of that is true. So when you see the, you know, commercials about the Healthy Foods card, and we'll give you this money to buy your your food and pay for your utilities and your rent, that is true, but only for a certain set of people, and that certain set are those that qualify for Medicaid. They have full Medicaid, and they also have Medicare. So sometimes I think it's just bait to get you on the phone, get you talking, let me get your numbers, and then once I pull up your information and verify, yeah, you just want to sell. You don't even have, you know, full Medicaid, so Oh, but I can get you on this and you can get a little bit more dental. So technically, you said, you just said, it is all about this. It's about the sale. So a good broker, which is who we are, hey, Marley, that's right. Pretty much what we do is we, you know, look at your status as far as your doctors, your prescriptions, and then we help you enroll in a health plan. But I'm not that broker that just signed you up and says, Oh, thank you for your business. And I, you know, cut you loose, and then you're good. Get your card if you have any issues, call the company. I am very hands on with my clients. It's all about relationship with

Unknown Speaker 19:29
me. So one of the main things that you do when you're discussing and figuring out what to do for them, you said, is their doctor, their their physician. So you try to make sure is that like one of the first things you do to make sure that that physician is covered on the next planet there, or whatever plans

Unknown Speaker 19:41
are available. That is the first thing we do is check your doctors and your medications, medications, just to make sure they're going to be covered. And then we go from there. Because sometimes you honestly, sometimes you don't need to change. Sometimes people are saying, Oh, I'm having a problem, and this is wrong, and they're doing this. Sometimes, you know, we might have to help walk you through how to get things. Six, but sometimes you're already on the best plan for you, and you need to stay where you are. A good broker or agents going to be honest enough to say, No, you're good. Let's just do this. Call this person, tell them you need this. I'll sit here with you and talk to you, you know, help guide you through. Like you said, Here's

Unknown Speaker 20:14
what, people don't realize that that are in our business, that are, I guess, in sales, right? If you're honest with people and you tell them, like, like, I just told my listeners, hey, don't, don't sell right now. And now I'm in the business of selling, but I'm telling you not to sell. I sound crazy, right? But I'm just being honest. Wait a minute. Let's see what happens with these rates. If you're thinking about selling right now, what that does is it shows them that I'm like you said, hey, at the end of the day, I'll help you get fixed. What's gonna happen is they're gonna refer they're gonna refer you, and that's where you make your money. You know, money you're all about making integrity,

Unknown Speaker 20:41
and say that integrity, integrity is so, so important. So

Unknown Speaker 20:45
now I know I can trust you. You're not just gonna sell me. So you have a sale to put up on your little board and go, oh, I need a shell,

Unknown Speaker 20:51
yep. And honestly, unfortunately, that's just the society we live in, and that's what it is. Everybody's like, No, I'm trying to make that money. But this is the thing, if I sell you, and we don't sell anything. If I enroll you on something that wasn't a good fit, nine times out of 10 and a month or two, you're gonna change it, and that's whether you call them and change it, or somebody else comes along say, Oh no, no, no, they shouldn't have done that, and then they move you. So really, you did all that work for nothing, because now you actually lost the person. And if they were going to refer you, you're not getting no good referral. Now

Unknown Speaker 21:27
excellent out the gate right now. Marlon, what do you do? What exactly is your area of this?

Unknown Speaker 21:32
So along with Michelle, here, I am a Medicare broker. I do specialize in other services that are in between your Medicare broker and some of the services you need just we do focus on individual benefits, like helping them get into their primary care doctors. We do have benefits available for diabetes, helping them get free shoes, inserts, the insulin coverage, things that they don't really know is a part of their plan, and we actually help them fill those gaps, which actually helps them not spend any money or any money or any kind of resources out of their pocket,

Unknown Speaker 22:03
saves them money, and there are no fixed incomes in many cases. So that's that's a blessing, and that's a that's another thing a lot of us don't know. What is included in these benefits. We have no clue. There are a

Unknown Speaker 22:13
ton of benefits, from getting getting a wheelchair to scooters around your home, getting durable medical equipment that helps you get in and out of tight places or places where slip and falls are going to happen. For wheelchair ramps, for those who need it, there is a ton of, yes, there is a ton of free resources within your plan. Wow. Yes, it is. We just

Unknown Speaker 22:29
went through that with my mom, one of her co workers, her mother, same thing. She had no idea. And I said, Give give them a call and figure this out. I believe you're supposed to get a wheelchair taken care of. And she just, she said, Thank you so much. Oh my gosh. She came over and borrowed the one that we had, and then insurance

Unknown Speaker 22:42
covered it. Yes,

Unknown Speaker 22:43
yes. Let

Unknown Speaker 22:44
me ask something too. What is the difference between Medicare A and Medicare B? What's that mean?

Unknown Speaker 22:50
Hear that on the TV? Yes.

Unknown Speaker 22:51
Part A, Part B,

Unknown Speaker 22:53
well, you have two versions of it. You have outpatient and inpatient. No. Part A is going to take care of everything inside of the hospital that you're going to need, and the Part B is going to take care of everything outside. So nursing facilities, office visits, office visits and things,

Unknown Speaker 23:06
labs, your X rays, all that other stuff, all the other things that you were needing in your plan to cover on the medical side, that's what Part B covers. So just remember Part A is hospital and hospice, and then Part B is everything else, except for prescription drugs, it does not cover prescription drugs. So A and B is just medical only. It does not cover your prescription so

Unknown Speaker 23:27
you guys are both available all the time. I know that every time I call you, Lachelle, you always pick right up. Marlon, you're also available Absolutely. And so what are the meat? What is your like if you only had, well, we only have a couple more minutes, so I want you to what is the meat and potatoes for what you would like the listeners out there to know. And then I'm gonna let you say your information, and then you as

Unknown Speaker 23:45
well. So this is annual enrollment, which started October 15. It ends December 7. This happens once a year. So if you are a Medicare eligible recipient, whether you have a Medicare health plan or not, which we call Medicare Advantage or Part C, if you have a plan, or you do not have a plan, and you are wanting to enroll in a plan, this is the time and season for you to do so. So basically, if you have a plan, and you can also this is really a good time to review the benefits that you already have, just to make sure, because there were tons of changes to all the companies on their Medicare plans this year, some people lost transportation. Prescription drugs are changing, formularies, all that good stuff. So contact you. Just say, hey, I want an appointment. Let's talk about it. Let me check to see if I have what I have, or do I need to make a change, or I don't have a Medicare Part C Advantage plan at all. I want one. Let's talk. Let's sit down and talk about it. Or, if you

Unknown Speaker 24:38
don't know what a medic art or C, Medicare, Mr. Explain it to you, but at the end of the day, she's there to answer your questions. Marlon is there to answer your question. So it's a phone call. You know what? I mean, nobody's gonna, you know, put a ring around your neck and try to make you know. It's just get your questions answered so that at least you're in the know. And

Unknown Speaker 24:58
this is education we provide. I we're just talking about it. We're not charging you anything. We're not saying, Okay, we'll do it for $25 No, we provide free educational information about what you need or what you don't have. If you need to change, don't need to change all that good stuff. So it doesn't hurt to make that phone call. We're not charging you.

Unknown Speaker 25:16
Do not need to be we don't need to be your agent to give you that help either. You know, we have a ton of resources available for everybody, and whether we or because, most of the time, people don't know who their broker is anyway. Yeah, their broker record has probably talked to them their first five minutes of their Medicare application.

Unknown Speaker 25:29
They haven't ever heard and that's not good. So you definitely need to, you want somebody

Unknown Speaker 25:34
that you can call and say, Hey, this is what's going on. Not an 800 number, not a press one for this, a press two for that, right, right? You know, you can call Marlon, you can call Michelle and say, Hey guys, this is what's going on. They're saying, My driver isn't available anymore, what's going on. And then they can take care of things. That's what I like. I like hands on, personal you know. So how long do they have before this is up the open enrollment.

Unknown Speaker 25:54
So open enrollment, or it's called annual enrollment, that actually ends on December 7. So they have till December 7. And yeah, if you and this is the thing, you should have already received your annual notice of change in the mail, so you already know what changes are happening on your current plan. So there's something that you're saying, no, no, I can't lose that or I need that back. Because, like you just mentioned, transportation, one of the companies is literally, they basically eliminated transportation, and people use that transportation to take them to their doctor's appointments. They don't have cars, they don't have family in town, so you just lost that whole benefit, and you're gonna need to change something. Okay?

Unknown Speaker 26:30
And I got you know before we I know we're getting close on time, I do want to share something Michelle and I are putting together. We have a project we just put together, and it's we are part of a local team, and do we kind of done a little a team of local resource providers that kind of focus on the overall health of their community, and we kind of partnered up with some people that are going to help, like we talked about the dual members who will have the Medicaid and Medicare use some of those benefits in their community. So our first project is actually Mario's market. We're going to, we said we're setting up a health fair for Mario's market, and it's actually going to be the 15th of November, 15. November

Unknown Speaker 27:04
15 at Mario's market, which is Lake Mead and Martin Luther King. That's right.

Unknown Speaker 27:07
So the goal is, you know, early to it, we're gonna have it, right? 12 o'clock, 12 at noon. Mario's website for any updates. Oh, good. So they can go to Mario's website, right? And what the reason why we put this together? A lot of people don't know. There's a lot of dual eligible members in Nevada. There's actually 88,000 members in Nevada here. So our goal is, and we're gonna do this multiple cultural communities. We're not just stopping at Mario's. They have between the 88,000 people, low range to high range. You got about $50 to about $164 a person per month out when you're making only 800 a month. Yeah. Well, you're taking this. The goal is to take this into the communities that serve them. So we're gonna make sure that everybody in Mario's community shops at Mario's with their with their Medicare, so they have about just average of $55,000 a month that can go to one of these centers, that can go to one of these pharmacies, local grocery stores. Supports local business. Full Circle, that part two, we're actually inviting the local businesses around the area so they can be, they can get, they become aware of what's around them, and actually support and patronize these businesses that been around them for so long, but they just don't see well,

Unknown Speaker 28:10
how can people get a hold of you? They you're listening, and you want to get a hold of Marlon, you can reach Marlin as 702-981-5831 more time Marlin, that's 702-981-5830 and miss. Lachelle, 70294588761 more time. Michelle,

Unknown Speaker 28:28
702-945-8876

Unknown Speaker 28:32
and you guys, if you miss the phone number, don't worry. You guys know mine. It's all over the place. Or you can email K, UMB, but we will get you in contact. If you're looking to get in contact with them, you want more information, we will get you in contact with them. And remember Mario's market, they're having that there, and it's on November 15, and it's at noon. Okay? So you can meet them in person. Meet us in person. Yeah,

Unknown Speaker 28:55
there's gonna be a lot of community favorites there. We're gonna have local businesses. They're gonna be food vendors. They're going to be people different things. They're talking you can have a lot of fun,

Unknown Speaker 29:04
awesome. And then if you guys are out and about, I've got a new listing, 9100, spoon bill, four bedroom, two master bedrooms. Only 410,000 in the centennial area. 9100, spoon Bill, thank you, Michelle, thank you Marlon, thank you for having me coming on and helping me in and having my back. All right, guys, listen, K, U, M, B, lovers, lovers, well, there's some out there too. I love you. There's nothing you can do about it, right? Becky, that's right. All right. We love you guys. Until we hear from you guys, all have a great weekend. Thank

Unknown Speaker 29:34
you. You too. Stay blessed. Thank

Unknown Speaker 29:36
you for listening. Please remember all terms discussed are simply an estimate. My license number is S 1788, 46, my phone number, if you'd like to contact me, is 702-984-3700, you can also find me on YouTube and please join me tomorrow at my church, Living Word Church on hassle. I'm part of the EXP Realty Group.

Transcribed by https://otter.ai