Don Lawler, www.StorytellersMemphis.com

Thank you, Don Lawler,for training us at Talk Shoppe to use green screen technology to promote ourTalk Shoppe sponsors. Thank you forvideoing some of the Real Estate Mortgage Shoppe broadcast today.

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COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

Host -McKenzie Mortgage RD Loans with“Magic Binoculars”

1. Reasons that I made my home and bought my home in Memphis.

There are so many great reasonsto live and own your home in the Memphis area. Let us count the ways

1. Low cost of living but with a good standard of living
2. Cost of homes are very affordable
3. Real estate values are stable compared to some other areas of the country
4. Industry is diverse, creating more job stability. Memphis is supported by MANY major employersin varying areas of commerce. For example, medical professions, transportation,tourism, warehouses, Fed EX, Autozone, and more.
5. We have the best water in the world and lots of it. We have some of the best people and neighborsand co-workers in the world too.

If you are living in theMemphis area and you are trying to decide whether to rent or buy, here’s somefacts and ideas to consider

• TRYING TO DECIDE WHETHER TO RENT VS BUY AHOME?

Research done by C J Patrick Company using recent data by FirstAmerican Data Tree shows in Memphis points to some big opportunities for buyingyour own home in the Greater Memphis area rather than renting.

When comparing a mortgage payment to a rent payment, itlooks like your mortgage payment could be over 25% lower than rent on the samehouse. This would depend on severaldifferent factors such as property tax amounts and insurance and the type offinancing program chosen by the homebuyer.

Here are some reasons renters are choosing to own their homeinstead:

1. Havingmortgage rates lower than in 40-50 years is giving many renters the motivationthey need to move from renting to owning their own home. The lower the rate,the lower the house payment.
2. Thefact that most mortgage programs offer a fixed mortgage rate for up to a 30year term, keeps the principle and interest payment low. Homeowners aren’tworrying about a landlord increasing their rent every year.
3. Owninga home gives you pride of ownership and more flexibility on how you use theproperty
4. Somehomeowners rent out the upstairs bonus room to supplement their house payment
5. Some homeowners use an extra room to serve as anoffice or for other business use.
6. As prices go up, the homeowner enjoys the valuegoing up on the home, building equity and net worth

Conditions Favorable to Buying A Home vs Renting

1. Youplan on remaining in the geographic area for 3 years or more
2. Youhave good credit
3. Yourcurrent debt load is manageable
4. Youhave enough savings to feel secure
5. Youhave a job or business that is steady

(4^th segment of show9:47a to 9:57 a) REAL ESTATE TIP OF THE WEEK (Michael Brooks, national managerof the Renovation and Repair mortgage programs for Sierra Pacific Mortgage sharesa real estate related money-saving or time-saving tip): McKenzie Mortgage RD Loans shares tipfor homeowners taking advantage of refinancing to lower mortgage rate, shortenterm, or freeing up cash per month

ANNOUNCEMENTS:

Talk Shoppe offers freenetworking & education to anyone interested in real estate or in business.Talk Shoppe meets every Wednesday 9A-10A CT at Concorde Career College 5100Poplar Ave 1^st floor Memphis TN (The Clark Tower). Of course, likeeveryone else, Talk Shoppe is meeting online. Join us by going to www.TalkShoppe.com click on the Upcoming Events tab and the webaddress for our main meeting room and break out rooms is there. This Wednesday I will actually be thepresenter. We are talking about “Real Estate and Mortgage Financing–Changes Now and Some Changes ThatAre Here To Stay”

Talk Shoppe events arefree thanks to supporters like Tim Gilliland of www.BackupRX.com When you need to recover lost data on yourcomputer, you will feel very thankful when you call Tim at BackupRX and simplydownload all your data and system files immediately when you need it. Contact BackupRX about getting your dataautomatically backed-up at www.BackupRX.com

Thankyou to financial planner and investment advisor, Maria Popa of StrategicFinancial Partners for your financial sponsorship of Talk Shoppe. Thank you, Maria Popa for making Talk Shoppe’sfree education and networking free to our business community. For your investment advice and financialplanning, contact Maria Popa at (901) 260-6431

2. Call up your familymembers and friends. Reach out and check on your neighbors. Just that simple act of kindness andwillingness to help can mean more than you can ever know….

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

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

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

QUOTE CORNER: Anonymous “In themiddle of difficulty lies opportunity”

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REJOINDERS:

1. Miranda Griffin, www.healthymidsouth.net Improving Lives One Step At A Time
2. Leah Anne Morse, www.AllThingsNewWTN.com Helping organize and downsize efficiently and positively
3. MaryLou Nowak, Mid-South Home Helpers non-medical assistance in thehome. (901) 414-9696

Transitional Music: “Proud Mary” by Ike and Tina Turner,“That’s How I Got To Memphis” by Bobby Bare; “Walking in Memphis” by Marc Cohn.“Memphis” by Johnny Rivers for the Look Back Memphis Trivia Contest

ABOUT JIMMY OGLE:

JimmyOgle is featured in several publications, such as the Commercial Appeal,Memphis Daily News, Best of Times, Des Moines Iowa Register where With the American Queen Riverboat on theMississippi River
behind him Memphis historian Jimmy Ogle showsoff an ear of corn he picked at the Field of Dreams site in Dyersville, Iowa.Ogle later had actor James Earle Jones who appeared
in the movie Field of Dreams autograph for him. Ogle has been to the Field ofDreams site in Dyersville four times. The Des Moines Iowa Register says of Ogle, “Rest assured that Ogle will run out of breath long before he runs out offacts about Memphis. And he rarely runs out of breath.

Education:
Graduated with B.S. in Education from University of Memphis, 1980
Graduated Memphis University School, 1970

EmploymentHistory:
Public Records Commission, County of Shelby, Chairman, 2014-present
West Tennessee Historical Society, Vice President Shelby County, 2014 – present
Shelby County Courthouse Restoration Committee, Member, 2014-present
General Manager, Beale Street Landing, 2013-present
Community Engagement Management, Riverfront Development Corporation, 2011- 2013
Tournament Services Coordinator, FedEx St. Jude Classic, 2010-2012
Program Specialist, Memphis Convention & Visitors Bureau, 2009-2010
Vice President, Ericson Group Inc, 2003-2009
Director, Memphis Rock ‘n’ Soul Museum, 2000-2003
Vice President of Operations, Performa Entertainment (Beale Street) 1998-2000
General Manager, Memphis Queen Line, 1993-1998
General Manager, Schorr Management Company, 1987-1989
General Manager, Mud Island, 1985-1987 and 1989-1993
Deputy Director, Memphis Park Commission, 1984-1985
Administrative Manager, Memphis Park Commission, 1983-1984
Special Events Supervisor, Memphis Recreation Department, 1979-1983
Church Recreation Specialist, First Baptist, 1973-1979

CommunityOrganizations:
Shelby County Task Force for Mississippi River Corridor, Member
West Tennessee Historical Society, Board Member
Citizens To Preserve Overton Park, Board Member
Cotton Museum at the Memphis Cotton Exchange
Save Libertyland/Remember Libertyland, President
Memphis Zoological Society
Memphis Heritage
Park Friends, Inc
Shelby County Historical Commission, Member & Chairman (2011-2013)
Mississippi River Corridor Tennessee, Board Member, 2011-2013
Davies Manor Association, Board Member & President, 2013-2014
Delta Everything Southern Conference, Planning Committee Member, 2012

Interests (“Hobby Jobs”):
Scoreboard Operator, University of Memphis Men’s Basketball
Stat Crew, University of Memphis Football
Instructor, Meeman Center For Lifelong Learning, Rhodes College
Scoreboard Graphic Artist, American Junior Golf Association
Tour Guide, Center City Commission, Downtown Walking Tours
Member, Citizens To Preserve Overton Park
Actor, Elmwood Cemetery Costume Twilight Tour
Step-On Guide, Memphis Convention & Visitors Bureau
New York Times Crossword Society Member
Group Lecturer

ABOUT TOM KING:

Tomis a well- respected and sought after appraiser in Memphis, Tennessee. Heis a second generation appraiser with 40 years experience. He hasbeen elected to the Memphis Area Association of Realtors Board of Directorsthree times.

Tom is a certified residentialappraiser in Tennessee. He have appraised over 20,000 homes in hiscareer. A graduate from the University of Tennessee with a degree in realestate, Tom is also a Certified Relocation Professional (CRP). Tom alsohas vast experience in dealing with the county and state boardsof equalization and in valuations of property for tax appeal purposes. (901)487-6989

ABOUT JOGARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISHWITH YOUR MORTGAGE?

www.TNRDHomeLoans.com (901) 482 0354 This email address is being protected from spambots. You need JavaScript enabled to view it. twitter @jogarner NMLS# 757308 (currently working with SierraPacific Mortgage, Inc)

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

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

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

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

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

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

On moving back to West Tennessee in 1987, she went intobusiness buying and selling discounted owner-financed notes secured on realestate. In 1990 Jo went to work for a residential mortgage company andhas been a mortgage loan officer for over 25 years. Her goal is to offerexcellent, affordable service to her customers, tailoring theloan programs to the specific needs of her clients.

In addition to her work in the mortgagefield, McKenzie Mortgage RD Loans is the primary sponsor and founderof Talk Shoppe in Memphis. www.TalkShoppe.com TNRDHomeLoans also host the radio show Real Estate Mortgage Shoppe airing on NewsRadio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.TNRDHomeLoans.com

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