Hurricane Helene Aftermath: 

We Stand with You! 

We understand how challenging this past week has been due to the aftermath of Hurricane Helene. The devastation has left many of us worried and shaken. It's during these times that we come together as a community and support each other.

Our thoughts and prayers go out to all directly or indirectly affected by this tragedy.

If you wish to contribute to the relief efforts, please make sure your generous donations are directed towards genuine charitable organizations.

We've identified three trusted organizations for you:

• Heart to Heart International

• Salvation Army

• Samaritan's Purse

We also recognize that many are facing financial struggles, especially now. Please remember that we are here to support you through your financial journey.

Are you burdened with credit card debt? With the recent Federal Fund Rate Reduction, now is the prime time to explore how we could assist in alleviating your financial strain.

Contact us and set up a consultation. After all, we proudly anticipate being your Lending Partner for Life.

Together, we'll weather this storm. We're by your side, today and always.

RAISING MONEY-SMART KIDS

Your Path to Financial Literacy Starts at Home

Did you know that almost 50% of parents rarely discuss finances with their children? This is a startling statistic, considering financial literacy is a critical life skill.

Here's a snapshot of some tips and tricks to raise dollar-savvy kids in today's tech-powered world:

1. Jars for Allowance: The good old piggy bank concept still works. When you give your children their allowances, suggest they segregate it into jars for saving, spending, and charity. This simple act not only helps them understand budgeting but introduces the concept of charity too.

2. Needs vs. Wants: Help your children distinguish between needs and wants. This builds responsible habits and promotes an understanding of saving.

3. Paystub Study Session: With older kids, take a moment to discuss a paystub, explaining each deduction and its importance. This could be a great starting point for discussing long-term savings.

4. Investment 101: Introduce your children to the world of investments as early as you deem appropriate. You can explain the fundamentals of stocks, bonds, and mutual funds, and help them find those with low-cost minimums.

Remember, as we nurture the financial sense in our children, we're shaping a smarter and more responsible future generation.

For more in-depth guidance, consider browsing the Benjamin Talks website. This treasure trove of specialized guides, founded by two working moms who double as Goldman Sachs analysts, could be your next stop for financial literacy coaching.

Let's secure our financial future and build a money-smart generation!

🎃 Instagram Halloween Costume Contest 🎃

Ready for some spooky fun with a dash of competition? Here's your chance to win a $25 Amazon gift card! Simply get into the Halloween spirit and take part in our Halloween Costume Contest. You can showcase your creativity by sharing photos of your, your kiddos’, or your whole family's Halloween costumes.

To be entered you must:

• Post your Halloween costume photo on Instagram : Make your Halloween memorable by sharing photos of your creative costumes.

• Follow: You must be following both of our pages at @hollywaltherlendingteam & @holly.walther on Instagram.

• Tag: Tag both of our Instagram pages to be entered for a chance to win! 

Don’t miss this chance! The lucky winner will be drawn randomly and contacted directly by our team on Instagram. The lucky Winner will be announced during the week of November 4th. So, gear up for some Halloween fun! Get clicking, sharing and tagging!

OCTOBER 

"I'm so glad I live in a world where there are Octobers." — Lucy Maud Montgomery, Ann of Green Gables

October is a magical month, filling our lives with vibrant colors, cozy sweaters, and pumpkin-flavored delights. It's a time to gather around a bonfire with friends, plan for spooky Halloween parties, and indulge in cozy blankets and delicious hot chocolates. As your committed lender, we believe in enjoying life's precious moments, and October presents us with plenty!

Here's what's so special about October:

• The Spectacular Fall Foliage: Nature decks itself out in a riot of colors, making every drive scenic and every weekend vacation enchanting.

• A Nostalgic Return to Sweater Weather: Unearth your favorite chunky sweater from the back of your wardrobe and soak in the crisp October air.

• The Delectable Taste of Everything Pumpkin: October teases your taste buds with pumpkin-flavored delights. Enjoy an indulgent pumpkin bar, perhaps?

• Friday Night Football: Bond with your community and catch up on amusing gossip, all while cheering for your local school's football team.

• The Challenge of Creative Costumes: Halloween gives you the opportunity for an exciting identity switch for a day.

• The Allure of Fall-Scents: From pumpkin spice to crunchy leaves, let candles fill your home with the aromas of the season.

• Ripe Time for Apple Picking: Embark on a romantic apple picking adventure with your loved one in the beautiful orchards October brings to life.

• Bonfire Nights: Assemble your marshmallows and coffee and prepare for memorable bonfire nights with friends.

• The Thrill of Halloween Parties: Get creative and throw the spookiest Halloween bash right in your home!

We hope this October, you immerse yourself in all these delightful experiences and create unforgettable memories. As always, we're here to offer reliable lending services and appreciate your continued trust in us.

Enjoy the wonders of October, and Happy Halloween in advance

Unleash Your Financial Potential with a Reverse Mortgage!

We want to spotlight an underutilized yet incredibly advantageous financial strategy - the Reverse Mortgage (also known as a "Home Equity Conversion Mortgage" or "HECM").

What is a Reverse Mortgage?

Simply, a reverse mortgage is a loan backed by the Federal Housing Administration (FHA). The best part? You don't need to fret about monthly repayments. Instead, the interest you owe gets added to your loan balance.

Who Can Apply?

You must be at least 62 years old to qualify for a reverse mortgage. Depending on your home's value, you could potentially receive a loan or credit line worth up to 50% of that value.

Why Opt for a Reverse Mortgage?

• Purchase a home or car: Forget about monthly installments.

• Eliminate debt: Settle an existing mortgage or other bills.

• Care for a loved one: Afford in-home care without any financial strain.

• Invest: Secure your retirement funds or make new investments.

• Live a little: Embark on your fantasy vacation or craft unforgettable experiences.

Possible Drawbacks?

If your home's value stagnates or falls, your equity position would decrease. However, if the loan balance exceeds the home's value, the FHA steps in to cover the loss, safeguarding you and your estate from potential future negative equity situations.

The Role of a Reverse Mortgage Amid Economic Volatility

A reverse mortgage can be invaluable in economically turbulent times for preserving your assets, enhancing cash flow, and even warding off inflation. It can fortify your income in the years when your retirement account contributions are reduced, ensuring your assets last longer.

Wrapping Up

A reverse mortgage can significantly expand your financial options. It can boost your cash flow, afford you greater financial flexibility, and facilitate a more comfortable lifestyle. Contact us today for details and let us help you make your retirement truly golden.

THE POWER OF RED

Behr's Color of the Year 2025

Behr's Color of the Year 2025, Rumors, is making waves with decorators and homeowners alike. This striking dark red is a game-changer and is fitting seamlessly into a variety of decor styles.

But why red?

TikTok content creator, Taylor Simon of @intayriors, introduced us to the "unexpected red" theory earlier this year, enticing over 800,000 viewers with her innovative ideas.

Here's what you need to know about Rumors:

• Nostalgic Yet Modern: Rumors offers a touch of nostalgia while fitting perfectly with present-day decor trends.

• Perfect Pop of Color: even a single piece of furniture or a decorative element can make a bold statement.

• Emotional Stimulus: Red has known to stir strong emotions and stimulate energy.

• Appetite Stimulant: Thinking of giving your dining room a makeover? Rumors might just be your color!

Ready to ride the wave of the newest trend? Click here to explore more about Behr's Color of the Year 2025.

Until next time, happy decorating and never hesitate to reach out for any financial advice or assistance you might need. Remember, we're here for you!