Yes, yes, yes, welcome into another edition of questions from the audience on the Tim

McKernan show from Home Loan Expert. Tim McKernernan Show, the questions from the audience in the Home Loan Expert.com

studios, the Seamaster who built this thing from the ground up with me is moving on to the insurance industry but without the

seamaster we would have never ever lasted the 10 months that we have

lasted on this podcast and we certainly wouldn't be where we are as a radio show

without the see monster so we are very grateful to him for putting up with all the

fun and games that come with being involved in Sports Talk Radio.

And I want to make sure that I thank him for all of his work here on the program

because it was me and the Seamaster for just sitting in the studio here for for nine ten months

and driving around for interviews and so on and so forth and without the see master

we wouldn't have we wouldn't have built this thing so tip of the cap to the sea monster and you get to

sit through one final questions from the audience where I babble on and on with questions

that you submit at team McKernan at insideSTL.com or on the TMA Facebook page and you're

welcome to send them in at any time. Without our sponsors we wouldn't have the

podcast and Ryan Kelly the Home Loan Expert.com is our studio sponsor and

and so many people I think get caught up in the idea of well you know what

credit card debts just the way the life's going to be and we're just going to have to

navigate that. Well, it doesn't have to be that way. The circumstances have to be right in order to get out of

it and the circumstances are right right now. Here is what you got. You've got home

values at a record high and you've got interest rates still super low.

Take advantage of it.

Get a cash out refi and then take that money and pay off the high interest rate credit

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