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Now available at boots and at duerX.co. UK. Yes, yes, welcome in to another edition of the Tim McKernan show here on the

Inside Estel podcast network from The Home Loan Expert.com studios Ryan Kelly and his team great sponsors of this podcast and if you're

on board with the podcast our interviews on Mondays and questions from the

audience on Wednesday evenings, Thursday mornings.

Well, then please make sure you support our sponsors.

Ryan Kelly, the Home Loan Expert.com,

Johnny Londoff Chevrolet and James Carlton State Farm Insurance Agent.

This week we have Scott Ogilvy as our guest.

Now I'm sure some of you are going, well who's Scott Ogilvy,

but let me explain.

Scott Ogilvy is an alderman in St. Louis and a topic that has a lot of people's

attention and if it doesn't have your attention I imagine it will after you're

done listening to this is ward reduction in the city of

St Louis and some might go I don't live in the city I don't even live in St Louis I

don't care so I'm gonna fade this episode and that's fine you know know I'm not going to attempt to sell it to you but what I will tell you is this

If when you wonder what happened with the St Louis Rams if you wondered what happened with the MLS vote if you're wondering in general what's happening with St. Louis,

this is a microcosm of the larger issues and that is why this discussion is so important.

Scott Ogilvy, our guest here today on the Tim McKernan show from the Home Loan

Expert.com studios.

If you are in the market to buy home, if you're in the market to refinance, then make sure you go to the home loan expert.com.

The home loan expert.com. And when you go there, you see two tabs. You want to buy a home? Great. Now you can enter in the

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