01:04 - In previewing today's guest, Gregory and James talk about how the dip in interest rates on mortgages has created a short term opportunity for those in need of a mortgage for purchasing a home, getting a current mortgage refinanced, or those thinking about a reverse mortgage.

04:28 - The next Gregory Ricks public event is a Lunch and Learn about Estate Planning, and is filled to capacity. Gregory has responded to the demand by scheduling another Estate Planning Lunch and Learn next month, and the overflow crowd already has it halfway full. Finding good help with Estate Planning must be in short supply.

12:12 - Louis in Folsom calls in as a cypto enthusiast to talk about Fidelity announcing a plan to custody some financial investments involving Bitcoin.

27:15 - Matthew in Metairie calls in for help from Gregory. His wife was locked out of her Social Security account after getting tripped up by some security questions. Gregory had a similar experience, and figured out pretty quickly that Social Security was using info available from a credit bureau to formulate their security questions. When the wife has another chance to finish the process, she may find it helpful to have a a full report from a credit agency as a reference to help her through the process.

30:54 - Judy in Metairie has a self-directed IRA paying monthly dividends from an energy investment, but as the monthly checks are getting smaller, she wants to know if she can get out. Gregory has seen similar situations with some energy investments, MLPs, and REITs, and recommends she goes straight to the invested company (not the IRA custodian) to ask directly how to unwind her involvement.

36:24 - Rusty in Hattiesburg has money piled into an IRA, and wants to know how to turn that into a monthly income stream rather than annual lump sum Required Minimum Distributions. Gregory explains a few options, and likes the idea of stretching the time table to make the money last to age 100.

44:09 - Dwayne Stein of MortgageGumbo.com and the Total Wealth Authority is our guest for the hour, and his office is seeing a herd of enthusiastic buyers come through the door as interest rates continue to fall ahead of the spring buying season. Refinances are more attractive lately as well.

55:57 - Gregory asks Dwayne's thoughts on why Reverse Mortgage applications are showing a slow down. Dwayne sees that most of his Reverse Mortgage clients are driven by life's circumstances with little regard to what the current interest rates may be.

1:09:38 - Roy in Mandeville asks Dwayne about his situation: he has 7 years left on his mortgage, and wonders if a Reverse Mortgage could make his payments go away. Dwayne says he can likely make the payments go away, and get a little more money out of it, as well.

1:13:21 - John in New Orleans asks Dwayne Stein and Gregory Ricks on how a Reverse Purchase works.

1:22:02 - Butch in Houston has a new girlfriend moving in, and is thinking about adding on to his house to accomodate her kid. Dwayne explains his options on how to finance the project.

1:37:17 - Gregory explains how his proprietary Guided Planning System can serve as a roadmap to get your to your financial destination.

1:42:03 - Ken in Mandeville asks Gregory if his wife can increase her spousal benefit from his Social Security record by waiting past her Full Retirement Age.

1:47:04 - Gregory explains some reasons why converting your IRA to a Roth IRA might NOT be a good idea.

2:00:43 - Cindy in Gulfport asks if it's too late to do a Roth contribution or conversion for 2018.

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