Yes, yes, welcome in to another edition of the Tim McKernan show. I am your

host Tim McKernan alongside the great executive producer John Seymour. We are in the

Home Loan Expert.com studios. If you are in the market

for a new home, if you are in the market to refinance, Ryan Kelly, the Home Loan

expert says there's no better time to do it than at the end of the year.

Home values are up, and that's an opportunity for you to save money, whether it be by buying, whether it be by refinancing.

Ryan Kelly is the person to go to online at the Home Loan Expert.com.

My family's done business with him, my co-hosts have done business with him and we can wholeheartedly recommend him to you.

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to sponsor the studios here on the Tim McKernan show.

It's another edition of questions from the audience on the Inside STL podcast network.

And once again, the great Plowboy and Iggy join me here in the Home Loan Expert.

studios.

Gentlemen, hello again everybody.

Well hello again.

Afternoon Timothy.

I'm looking forward to this one because the audience

really ratcheted their games up with questions last week and it led us some good answers

and we have a bunch here once again for this edition of questions from the audience where which is really

getting a lot of downloads and we'll start with this one best Christmas gift you've ever received and best

Christmas gift you've ever given. Iggy you said you wanted this one.

Yeah because mine is kind of a feel good story. People think I'm a prick, but actually I have feelings.

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