1 00:00:00,320 --> 00:00:02,679 Speaker 1: From the mighty nine to ninety Broadcast Center. 2 00:00:03,080 --> 00:00:06,840 Speaker 2: You're waking up in Stars Country with Todd Starns. 3 00:00:07,480 --> 00:00:10,639 Speaker 1: All right, is it summertime outside? What is going on 4 00:00:10,880 --> 00:00:13,760 Speaker 1: with the weather? Sixty five degrees here at the Broadcast 5 00:00:13,840 --> 00:00:17,040 Speaker 1: Center in East Memphis, a little bit of light rain, 6 00:00:17,280 --> 00:00:20,880 Speaker 1: a little bit of fog and missed out there folks 7 00:00:20,880 --> 00:00:22,720 Speaker 1: that we could very well be on our way to 8 00:00:23,000 --> 00:00:26,239 Speaker 1: near record highs. Are you ready for this? It is 9 00:00:26,520 --> 00:00:30,240 Speaker 1: expected to be seventy degrees today, Christmas Eve and Christmas 10 00:00:30,320 --> 00:00:34,560 Speaker 1: Day seventy five degrees, so it's going to be mighty 11 00:00:34,600 --> 00:00:38,280 Speaker 1: warm all the way through Saturday here here in the 12 00:00:38,280 --> 00:00:40,320 Speaker 1: Mid South. Great to have you with us. Well, the 13 00:00:40,360 --> 00:00:42,760 Speaker 1: good news is you don't have to bundle up when 14 00:00:42,760 --> 00:00:45,400 Speaker 1: you go out there and do your lance minute Christmas shopping. 15 00:00:45,800 --> 00:00:48,640 Speaker 1: And a lot of folks are doing that. I am curious. 16 00:00:48,720 --> 00:00:51,720 Speaker 1: We had a couple of callers yesterday who said, as 17 00:00:51,760 --> 00:00:54,320 Speaker 1: a matter of fact, Derek Mills, who's running for District 18 00:00:54,400 --> 00:00:57,080 Speaker 1: two on the Shelby County Commission, was here, said that 19 00:00:58,000 --> 00:01:01,720 Speaker 1: wolf Chase Galleria was packed wall to wall people, which 20 00:01:01,800 --> 00:01:05,640 Speaker 1: is very unusual because well, in recent years, because of 21 00:01:05,680 --> 00:01:07,880 Speaker 1: the crime wave, a lot of folks have not been 22 00:01:07,920 --> 00:01:10,960 Speaker 1: going out to the malls, so I'm curious those of 23 00:01:11,000 --> 00:01:13,960 Speaker 1: you that have been out shopping, have you noticed an 24 00:01:14,040 --> 00:01:18,360 Speaker 1: uptick in traffic and people traffic at Carriage Crossing or 25 00:01:18,400 --> 00:01:21,800 Speaker 1: the outlets in South Haven or over at Wolf Chase. 26 00:01:21,840 --> 00:01:24,080 Speaker 1: Give us a holler this morning. We'd love to hear 27 00:01:24,120 --> 00:01:27,920 Speaker 1: from you. We have a lot going on on today's program. 28 00:01:28,000 --> 00:01:30,040 Speaker 1: Joe Garner will be along in just a little while. 29 00:01:30,080 --> 00:01:32,959 Speaker 1: Also a chance for you to win a pretty super 30 00:01:33,040 --> 00:01:36,479 Speaker 1: cool Christmas prize coming up, and we have a fun 31 00:01:37,080 --> 00:01:41,520 Speaker 1: Memphis themed Christmas trivia question for you. And we also 32 00:01:41,600 --> 00:01:44,080 Speaker 1: have a lot of crazy news. By the way, we're 33 00:01:44,120 --> 00:01:48,440 Speaker 1: working on our resources. There is some sort of police activity. 34 00:01:48,960 --> 00:01:53,440 Speaker 1: This is happening on Raleigh Millington Road between Waverley Farms, 35 00:01:53,480 --> 00:01:56,280 Speaker 1: so we'll keep you updated on that. Also, we're now 36 00:01:56,320 --> 00:02:00,200 Speaker 1: getting a report just moments ago of a crash. This 37 00:02:00,240 --> 00:02:02,920 Speaker 1: is on the off ramp I two forty east at 38 00:02:03,000 --> 00:02:07,480 Speaker 1: exit twelve, so if you're in that area, just be aware. Otherwise, 39 00:02:07,600 --> 00:02:10,320 Speaker 1: looking pretty good out there on the roadways. There are 40 00:02:10,400 --> 00:02:15,480 Speaker 1: some minor backups, but nothing too terrible. This major nothing 41 00:02:15,520 --> 00:02:18,360 Speaker 1: too major this morning. I think a lot of people 42 00:02:18,440 --> 00:02:21,720 Speaker 1: are taking the vacation or already on their way to 43 00:02:21,800 --> 00:02:26,920 Speaker 1: visit family and friends for the holiday. All right, there 44 00:02:27,080 --> 00:02:31,400 Speaker 1: is Well, there's a very interesting story that we've been 45 00:02:31,440 --> 00:02:34,200 Speaker 1: following really off and on, and I've got to give 46 00:02:34,240 --> 00:02:37,880 Speaker 1: credit to our good friend Justin Johnson out in Callyerville 47 00:02:38,360 --> 00:02:44,399 Speaker 1: first alerted us to the story involving involving FedEx and 48 00:02:44,680 --> 00:02:49,160 Speaker 1: the H one B visa program. And it's causing a 49 00:02:49,160 --> 00:02:53,480 Speaker 1: bit of controversy because we're hearing reports that a number 50 00:02:53,520 --> 00:02:57,280 Speaker 1: of American workers are losing their jobs. And it's not 51 00:02:57,520 --> 00:03:00,240 Speaker 1: just here in Memphis that this is happening by it's 52 00:03:00,280 --> 00:03:06,119 Speaker 1: happening all across the nation where for whatever reason fat 53 00:03:06,320 --> 00:03:10,440 Speaker 1: X has decided to bring in these he visa holders. Now, 54 00:03:10,760 --> 00:03:13,520 Speaker 1: what we find fascinating about the story, and we're going 55 00:03:13,560 --> 00:03:16,079 Speaker 1: to get to this is making now making national news 56 00:03:16,680 --> 00:03:18,840 Speaker 1: and it is something that we've really got to pay 57 00:03:18,840 --> 00:03:22,760 Speaker 1: attention to because a lot of people are being impacted. 58 00:03:23,200 --> 00:03:26,760 Speaker 1: And from the reporting, most of the people that are 59 00:03:27,600 --> 00:03:30,840 Speaker 1: being hired through the H one B visa program for 60 00:03:31,000 --> 00:03:34,280 Speaker 1: fat X all across the country are in fact coming 61 00:03:34,320 --> 00:03:38,880 Speaker 1: from India. Now Tennessee, just there is some reporting out 62 00:03:38,880 --> 00:03:43,160 Speaker 1: there Tennessee is reporting that they've got a list of 63 00:03:43,280 --> 00:03:47,680 Speaker 1: the top companies here in the volunteer state that actually 64 00:03:47,760 --> 00:03:51,520 Speaker 1: sought the most H one B visa applications. And I 65 00:03:51,560 --> 00:03:53,760 Speaker 1: want to this is the top ten right here, the 66 00:03:53,800 --> 00:03:57,520 Speaker 1: top five. You've got fed X two hundred and ninety one, 67 00:03:58,120 --> 00:04:02,960 Speaker 1: UBS Business Solutions two fifty three, Saint Jude Chiltern's Research 68 00:04:03,000 --> 00:04:08,880 Speaker 1: Hospital to twenty one, AutoZone fifty two, FedEx Data Works 69 00:04:09,000 --> 00:04:15,160 Speaker 1: forty six, Methodist Lebonner Healthcare thirty five. And so those 70 00:04:15,240 --> 00:04:18,159 Speaker 1: are some of the top companies in the state of 71 00:04:18,160 --> 00:04:22,360 Speaker 1: Tennessee that are using the H one B visa program. Now, 72 00:04:22,720 --> 00:04:25,479 Speaker 1: keep in mind, the whole point of H one B 73 00:04:25,640 --> 00:04:31,440 Speaker 1: applications and visas was to bring in highly skilled workers, 74 00:04:31,839 --> 00:04:35,280 Speaker 1: but apparently that is not what is happening here. As 75 00:04:35,320 --> 00:04:37,479 Speaker 1: a matter of fact, here is the headline. This is 76 00:04:37,480 --> 00:04:41,719 Speaker 1: from the Dallas Express in Texas. FedEx wins two point 77 00:04:41,800 --> 00:04:46,200 Speaker 1: two billion dollar federal contract, then hires hundreds of H 78 00:04:46,279 --> 00:04:51,680 Speaker 1: one B workers while laying off Americans. Ellen Jones is 79 00:04:51,760 --> 00:04:55,960 Speaker 1: the writer of this piece, and miss Jones writes that 80 00:04:56,040 --> 00:04:58,320 Speaker 1: in December, going all the way back to December twenty 81 00:04:58,360 --> 00:05:03,240 Speaker 1: twenty two, Transportation Command selected FedEx and two other firms 82 00:05:03,240 --> 00:05:07,800 Speaker 1: to provide package delivery services for government agencies under an 83 00:05:07,880 --> 00:05:12,839 Speaker 1: indefinite delivery and definite quantity contract. The value of the 84 00:05:12,920 --> 00:05:17,880 Speaker 1: contract around two point two billion dollars and the award 85 00:05:18,000 --> 00:05:23,159 Speaker 1: covered the Next Generation Delivery Service I program. Since the award, 86 00:05:23,240 --> 00:05:26,440 Speaker 1: publicly available immigration data I'm reading from the piece here 87 00:05:26,520 --> 00:05:30,800 Speaker 1: a show a substantial increase and FedEx is hiring of 88 00:05:30,880 --> 00:05:36,080 Speaker 1: foreign workers through the H one B VISA program And 89 00:05:36,160 --> 00:05:40,160 Speaker 1: according to the US Immigration Citizens and Immigration Services H 90 00:05:40,240 --> 00:05:43,440 Speaker 1: one B Data Hub, FedEx had roughly two dozen approved 91 00:05:43,600 --> 00:05:47,040 Speaker 1: H one B workers at the time the contract was awarded. 92 00:05:47,160 --> 00:05:51,760 Speaker 1: Over the years, FedEx hired approximately five hundred H one 93 00:05:51,800 --> 00:05:56,120 Speaker 1: B workers, the sharpest increases occurring in twenty twenty four 94 00:05:56,200 --> 00:05:58,719 Speaker 1: and twenty twenty five. And now, by the way, and 95 00:05:58,800 --> 00:06:03,479 Speaker 1: much of that growth appears concentrated in Tennessee, where FedEx 96 00:06:03,600 --> 00:06:06,960 Speaker 1: is headquartered. So we had received some We get a 97 00:06:06,960 --> 00:06:09,200 Speaker 1: lot of emails and a lot of people dropping US 98 00:06:09,279 --> 00:06:11,680 Speaker 1: news tips and things of that nature here at the 99 00:06:11,800 --> 00:06:14,599 Speaker 1: radio station. And we have gotten i would say, about 100 00:06:14,600 --> 00:06:17,800 Speaker 1: a dozen or so people saying, hey, what's going on. 101 00:06:17,960 --> 00:06:20,159 Speaker 1: We're noticing a lot of foreign people moving into the 102 00:06:20,160 --> 00:06:24,680 Speaker 1: neighborhood like an ordinate number, and this was pretty much 103 00:06:24,720 --> 00:06:28,680 Speaker 1: in the Collierville area, and someone was telling us that 104 00:06:28,960 --> 00:06:32,159 Speaker 1: the schools are starting to get overwhelmed with students who 105 00:06:32,160 --> 00:06:34,040 Speaker 1: do not know how to speak English, so you're having 106 00:06:34,080 --> 00:06:38,080 Speaker 1: a lot of ESL classes and things of that nature. Now, 107 00:06:38,160 --> 00:06:42,640 Speaker 1: according to this article, data from privately operated H one 108 00:06:42,680 --> 00:06:46,320 Speaker 1: B salary databases indicate that some of the visa applications 109 00:06:46,360 --> 00:06:50,080 Speaker 1: filed by FedEx for roles in Texas or get this, 110 00:06:50,640 --> 00:06:55,239 Speaker 1: lower level business or technical jobs, including titles like Digital 111 00:06:55,320 --> 00:07:00,000 Speaker 1: Marketing Advisor and Engineering Specialist Advisor. Those salaries range from 112 00:07:00,000 --> 00:07:03,400 Speaker 1: from one hundred thousand to one hundred and fifteen thousand, 113 00:07:04,040 --> 00:07:07,320 Speaker 1: and the database also shows the applications were listed in 114 00:07:07,360 --> 00:07:10,720 Speaker 1: cities like Plano, Texas, which is a suburb of Dallas. 115 00:07:11,600 --> 00:07:13,880 Speaker 1: At the same time, and this is where it gets interesting, 116 00:07:13,960 --> 00:07:16,920 Speaker 1: at the same time, FedEx had been cutting hundreds of 117 00:07:17,080 --> 00:07:21,240 Speaker 1: US jobs in the area in North Texas, so a 118 00:07:21,240 --> 00:07:23,320 Speaker 1: lot of folks are wondering what is going on here. 119 00:07:23,560 --> 00:07:27,160 Speaker 1: In November, the company said that it would eliminate nearly 120 00:07:27,280 --> 00:07:30,960 Speaker 1: nine hundred positions at a warehouse. And again, a lot 121 00:07:30,960 --> 00:07:33,400 Speaker 1: of people understand that, okay, well, FedEx is moving in 122 00:07:33,440 --> 00:07:36,480 Speaker 1: a different direction. But again, why are they hiring these 123 00:07:36,600 --> 00:07:40,320 Speaker 1: lower level entry level positions as H one B and 124 00:07:40,360 --> 00:07:42,600 Speaker 1: giving those jobs to H one B visa holders. So 125 00:07:42,640 --> 00:07:46,000 Speaker 1: a lot of attention now is being focused on FedEx. 126 00:07:46,000 --> 00:07:49,680 Speaker 1: And here's the bottom line. Now, you've got people nationwide 127 00:07:49,920 --> 00:07:52,840 Speaker 1: looking at FedEx because this H one B visa program 128 00:07:52,920 --> 00:07:57,040 Speaker 1: is a huge, huge national story. It is a major issue, 129 00:07:57,400 --> 00:08:02,160 Speaker 1: especially among gen Z voters, and they're saying, hey, look, 130 00:08:03,840 --> 00:08:06,640 Speaker 1: we got a problem here. And it seems to me 131 00:08:06,880 --> 00:08:09,840 Speaker 1: that these businesses, if let me put it this way, 132 00:08:10,040 --> 00:08:13,120 Speaker 1: if there is an equally qualified person for a job 133 00:08:13,120 --> 00:08:16,080 Speaker 1: at FedEx, you've got one person who's an American. They've 134 00:08:16,120 --> 00:08:19,400 Speaker 1: got the skill set. You've got somebody over in India 135 00:08:19,520 --> 00:08:23,280 Speaker 1: and they've got the same skill set. Who do you hire? 136 00:08:23,840 --> 00:08:27,600 Speaker 1: Do you hire the American or do you hire the Indian? Well, 137 00:08:27,720 --> 00:08:30,560 Speaker 1: it looks like FedEx, according to the reporting here of 138 00:08:30,560 --> 00:08:34,520 Speaker 1: the Dallas Express and other news organizations, they're hiring the 139 00:08:34,640 --> 00:08:38,800 Speaker 1: Indians instead of the Americans. Is that right? Ladies and gentlemen, 140 00:08:39,280 --> 00:08:41,680 Speaker 1: So our telephone number nine oh one two six zero 141 00:08:41,760 --> 00:08:44,440 Speaker 1: five nine two six. Some of you may work at FedEx. 142 00:08:44,480 --> 00:08:46,600 Speaker 1: And if you call in. We won't use your real name, 143 00:08:46,600 --> 00:08:50,280 Speaker 1: we'll protect your identity. But we're curious what's going on 144 00:08:50,320 --> 00:08:53,439 Speaker 1: at FedEx, because clearly something is changing here. And it's 145 00:08:53,480 --> 00:08:57,040 Speaker 1: not just happening in the Memphis area, but it's happening 146 00:08:57,080 --> 00:09:00,480 Speaker 1: across the entire company here in the United States. Again, 147 00:09:00,559 --> 00:09:03,280 Speaker 1: our telephone number this morning, nine oh one two six 148 00:09:03,400 --> 00:09:06,719 Speaker 1: zero five, nine two six. That's nine oh one two 149 00:09:06,920 --> 00:09:11,800 Speaker 1: six zero five, nine two six. In the meantime, President 150 00:09:11,880 --> 00:09:17,000 Speaker 1: Trump has a special message for the American people. Cut 151 00:09:17,080 --> 00:09:18,040 Speaker 1: number two plays. 152 00:09:18,160 --> 00:09:22,560 Speaker 3: Buenos nachos, amigos, seitus illegal alien and all America. And 153 00:09:22,600 --> 00:09:26,320 Speaker 3: you decide to a self deporto is Senor Trump ill 154 00:09:26,440 --> 00:09:30,280 Speaker 3: Uncle Sam will give you well three thousand dollars americanos. 155 00:09:30,360 --> 00:09:35,679 Speaker 3: That is mucco di naro amigos. It's like trillions of pesos. 156 00:09:36,280 --> 00:09:40,040 Speaker 3: You will be elmillionario like Senor Trump. You can buy 157 00:09:40,120 --> 00:09:44,080 Speaker 3: half of Mexico and have all the tacos and margaritas 158 00:09:44,080 --> 00:09:47,960 Speaker 3: you want. So this Christmas, remember to well self deporto, 159 00:09:48,400 --> 00:09:52,240 Speaker 3: reunite with your familia, and make all America great again. 160 00:09:52,559 --> 00:09:56,120 Speaker 3: Mucus gracias amigos, y felis navidad. 161 00:09:56,400 --> 00:09:59,280 Speaker 1: Hey wait, wait, wait, was that really President Trump? Come on, 162 00:10:00,040 --> 00:10:01,800 Speaker 1: gotta take a break here nine oh one two six 163 00:10:01,920 --> 00:10:05,000 Speaker 1: zero five nine two six, let's check out with Commander Chuck. 164 00:10:32,720 --> 00:10:35,640 Speaker 1: And it is now sixty five degrees here in Starne 165 00:10:35,679 --> 00:10:39,120 Speaker 1: Country and the principal Toyota Memphis Studio. Hello everybody, I'm 166 00:10:39,160 --> 00:10:41,920 Speaker 1: Todd Stearns. Welcome back to the show. As we celebrate 167 00:10:42,000 --> 00:10:45,439 Speaker 1: Christmas this week, a little bit of music from the 168 00:10:45,480 --> 00:10:49,040 Speaker 1: world famous Bellevue Baptist Church singing Christmas Tree. Any of 169 00:10:49,120 --> 00:10:52,760 Speaker 1: you guys go to the performances, it was just phenomenal. 170 00:10:52,920 --> 00:10:58,000 Speaker 1: Thousands and thousands of people attending the largest, the largest 171 00:10:58,080 --> 00:11:00,920 Speaker 1: Christmas celebration in the Mid South. They've been doing that 172 00:11:00,960 --> 00:11:05,400 Speaker 1: for forty nine years, and what a wonderful, wonderful celebration 173 00:11:05,559 --> 00:11:07,959 Speaker 1: that was. You'll hear some more music a little bit 174 00:11:08,040 --> 00:11:10,640 Speaker 1: later on. Also, I know that so many of you 175 00:11:10,760 --> 00:11:13,920 Speaker 1: love helping out our friends at Saint Jude Children's Research 176 00:11:13,960 --> 00:11:18,200 Speaker 1: Hospital and they need our help. Today for Christmas, you 177 00:11:18,240 --> 00:11:22,280 Speaker 1: have an opportunity to send free virtual Christmas cards to 178 00:11:22,320 --> 00:11:24,679 Speaker 1: the Saint Jude Kids. Just a little something that we 179 00:11:24,720 --> 00:11:27,959 Speaker 1: can do from the comfort of our homes to brighten 180 00:11:28,000 --> 00:11:31,400 Speaker 1: the holidays of these precious kids. You can do that 181 00:11:31,440 --> 00:11:34,920 Speaker 1: by going to Saint Jude dot org. That Saint Jude 182 00:11:35,080 --> 00:11:39,480 Speaker 1: dot org and you can choose a Christmas or holiday 183 00:11:39,520 --> 00:11:43,360 Speaker 1: card inspired by patient art. You can select a pre 184 00:11:43,400 --> 00:11:45,280 Speaker 1: written message, or you can write one of your own 185 00:11:45,320 --> 00:11:47,800 Speaker 1: if you're very creative. And again we'd love for you 186 00:11:47,840 --> 00:11:49,920 Speaker 1: to do that today. Let's help out our good friends 187 00:11:49,960 --> 00:11:53,160 Speaker 1: at Saint Jude Children's Research Hospital. All right, let's go 188 00:11:53,200 --> 00:11:55,559 Speaker 1: to the phone lines nine oh one two six zero 189 00:11:55,679 --> 00:12:00,439 Speaker 1: five nine two six hour telephone number. Mary and Memphis. Marry, 190 00:12:00,840 --> 00:12:02,120 Speaker 1: Merry Christmas. 191 00:12:03,360 --> 00:12:08,240 Speaker 4: Thank you, Good morning, Tid, Good morning. I enjoyed that 192 00:12:08,320 --> 00:12:12,160 Speaker 4: article he just read about the hiring of the immigrants, 193 00:12:12,480 --> 00:12:15,920 Speaker 4: and I really enjoyed it. And also you know that 194 00:12:16,080 --> 00:12:19,480 Speaker 4: was done under the administration of Fred's mail. He oversaw 195 00:12:19,520 --> 00:12:24,120 Speaker 4: the hiring of over five hundred immigrants. And uh you 196 00:12:24,120 --> 00:12:29,120 Speaker 4: know also in the incorporation, eight people uh were killed 197 00:12:29,200 --> 00:12:33,440 Speaker 4: while working there and because of his bad business practice, 198 00:12:33,840 --> 00:12:36,760 Speaker 4: and he benefits a lot from the charity, a lot 199 00:12:36,840 --> 00:12:39,800 Speaker 4: from the businesses, and Memphis, he on the rights everything 200 00:12:39,920 --> 00:12:44,360 Speaker 4: and he gets taxed right off. And uh, especially that 201 00:12:44,559 --> 00:12:49,720 Speaker 4: that that king used them down there. They advertised that 202 00:12:49,840 --> 00:12:52,800 Speaker 4: the people could come free. But the people are not 203 00:12:52,960 --> 00:12:55,880 Speaker 4: coming free. Uh, they might not be going in their pocket, 204 00:12:56,320 --> 00:12:59,000 Speaker 4: but fed Ex has benefits from that. They defray the 205 00:12:59,080 --> 00:13:00,360 Speaker 4: costs and they get the fish. 206 00:13:01,720 --> 00:13:04,840 Speaker 1: Well, I don't know anything about the you know, again, 207 00:13:04,920 --> 00:13:08,040 Speaker 1: working conditions, and certainly accidents are going to happen, and 208 00:13:08,120 --> 00:13:12,599 Speaker 1: with an organization that large, there are going to be tragedies. 209 00:13:12,640 --> 00:13:15,120 Speaker 1: I mean, that's just a reality of business and the 210 00:13:15,200 --> 00:13:19,640 Speaker 1: reality of life. Mary, But you are correct that it 211 00:13:19,920 --> 00:13:24,800 Speaker 1: was mister Smith who prized diversity. I've seen some reports 212 00:13:24,880 --> 00:13:28,960 Speaker 1: that about fifty five percent of the overall workforce is 213 00:13:29,240 --> 00:13:35,560 Speaker 1: what they would consider diverse. So after his passing, we 214 00:13:35,679 --> 00:13:38,920 Speaker 1: have certainly seen an uptick in the number of Indian 215 00:13:38,960 --> 00:13:42,960 Speaker 1: Americans specifically that have been hired into the company, not 216 00:13:43,080 --> 00:13:47,520 Speaker 1: only for senior management positions, but also for those those 217 00:13:47,600 --> 00:13:51,199 Speaker 1: lower level positions as well. And the question again remains, 218 00:13:51,840 --> 00:13:55,040 Speaker 1: and this is something that Congress is going to have 219 00:13:55,080 --> 00:13:57,959 Speaker 1: to address, and Mary, thank you for that call. Congress 220 00:13:58,080 --> 00:14:00,640 Speaker 1: is going to have to address this issue. Is the 221 00:14:00,920 --> 00:14:05,400 Speaker 1: H one B visa program Is it being manipulated? Are 222 00:14:05,640 --> 00:14:09,880 Speaker 1: are these businesses? Are places like FedEx and others using 223 00:14:09,920 --> 00:14:13,280 Speaker 1: the H one B visa system to bring in cheaper labor. 224 00:14:13,480 --> 00:14:16,080 Speaker 1: I mean if they're able to, for example, if they're 225 00:14:16,080 --> 00:14:18,520 Speaker 1: able to bring in somebody from India or some other 226 00:14:18,600 --> 00:14:21,760 Speaker 1: country and pay them thirty percent less of a salary, 227 00:14:22,040 --> 00:14:26,640 Speaker 1: that is a savings to them. So the Congress is 228 00:14:26,960 --> 00:14:29,560 Speaker 1: they are gonna have to address this because the way 229 00:14:29,640 --> 00:14:32,320 Speaker 1: I see it, we have to put American people first. 230 00:14:32,400 --> 00:14:35,400 Speaker 1: And if you've got an American person, if you've got somebody, 231 00:14:35,480 --> 00:14:38,360 Speaker 1: let's just say, you've got somebody here in Memphis and 232 00:14:38,400 --> 00:14:41,720 Speaker 1: they're very well qualified, and you've got somebody who's equally 233 00:14:41,720 --> 00:14:44,840 Speaker 1: well qualified over in India, why would you not give 234 00:14:44,880 --> 00:14:46,880 Speaker 1: the job to the American. That's what I want someone 235 00:14:46,920 --> 00:14:50,000 Speaker 1: to explain to me. Why would you not do that? 236 00:14:49,360 --> 00:14:53,000 Speaker 1: That makes absolutely no sense to me. So we're going 237 00:14:53,040 --> 00:14:54,680 Speaker 1: to take your calls on that. Nine oh one two 238 00:14:54,760 --> 00:14:57,840 Speaker 1: six zero five nine two six. That's nine oh one 239 00:14:57,920 --> 00:15:02,080 Speaker 1: two six zero five, nine two six. Also the Daily Memphian. 240 00:15:02,560 --> 00:15:07,000 Speaker 1: This is great. They did a huge spread on what 241 00:15:07,040 --> 00:15:10,640 Speaker 1: people really think about the National Guard and the Memphis 242 00:15:10,640 --> 00:15:15,560 Speaker 1: Safe Task Force. They dispatched four or five reporters to 243 00:15:15,640 --> 00:15:21,120 Speaker 1: write this attack piece, and it was amazing. They could 244 00:15:21,120 --> 00:15:23,520 Speaker 1: hardly I don't think they talked to any business owners. 245 00:15:23,680 --> 00:15:25,960 Speaker 1: I don't think they talk to anybody in the suburbs. 246 00:15:26,360 --> 00:15:28,320 Speaker 1: But they were going to get to this a little 247 00:15:28,360 --> 00:15:31,240 Speaker 1: bit later on. But I'm just curious, how do you 248 00:15:31,320 --> 00:15:34,040 Speaker 1: feel about the National Guard being here? How do you 249 00:15:34,080 --> 00:15:36,840 Speaker 1: feel about the Save Memphis Task Force or the Memphis 250 00:15:36,840 --> 00:15:39,880 Speaker 1: Safe Task Force and the great work they're doing here, 251 00:15:40,280 --> 00:15:43,640 Speaker 1: Because according to the Memphian, they say it's split down 252 00:15:43,680 --> 00:15:45,600 Speaker 1: the middle. I don't think it's split down the middle 253 00:15:45,640 --> 00:15:48,800 Speaker 1: at all. I think about ninety five percent of the 254 00:15:48,840 --> 00:15:52,120 Speaker 1: people who live in this city are actually supporting the 255 00:15:52,560 --> 00:15:54,840 Speaker 1: National Guard and their efforts here. And the fact that 256 00:15:54,880 --> 00:15:58,480 Speaker 1: you can now go to Wolf Chase and you can 257 00:15:58,520 --> 00:16:02,000 Speaker 1: go and get gasoline, and you can go and enjoy 258 00:16:02,040 --> 00:16:04,440 Speaker 1: yourself at I don't know if you want to go 259 00:16:04,440 --> 00:16:08,120 Speaker 1: to Applebee's or what not. Apple Bees, the Flying Saucer, 260 00:16:09,280 --> 00:16:12,600 Speaker 1: then you're gonna you love those things now. So we'll 261 00:16:12,600 --> 00:16:15,200 Speaker 1: take your calls on that as well. Also, I promised 262 00:16:15,200 --> 00:16:17,760 Speaker 1: you trivia, and we're gonna deliver on trivia. This is 263 00:16:17,800 --> 00:16:19,320 Speaker 1: gonna be great. And let me tell you what you're 264 00:16:19,360 --> 00:16:22,240 Speaker 1: gonna be playing for. This is a brand new book 265 00:16:22,280 --> 00:16:26,040 Speaker 1: written by Jeremy Arnold. It's called The Christmas. It's called 266 00:16:26,120 --> 00:16:29,680 Speaker 1: Christmas in the Movies, and this is an absolutely beautiful 267 00:16:29,760 --> 00:16:34,560 Speaker 1: hardcover book. It is. It covers thirty five classic Christmas 268 00:16:34,600 --> 00:16:38,440 Speaker 1: movies to celebrate the season, lots of photographs, behind the 269 00:16:38,480 --> 00:16:42,240 Speaker 1: scenes stories about some of your favorite Christmas movies. You 270 00:16:42,280 --> 00:16:45,080 Speaker 1: were gonna love it. It's also a beautiful coffee table book. 271 00:16:45,240 --> 00:16:48,080 Speaker 1: But it's also a great conversation starter, especially if you're 272 00:16:48,080 --> 00:16:50,800 Speaker 1: doing a great Christmas party. Got to give a shout 273 00:16:50,800 --> 00:16:53,720 Speaker 1: out to the Shelby County Young Republicans that were so 274 00:16:53,880 --> 00:16:56,480 Speaker 1: nice and invited me, the old guy, to go and 275 00:16:56,520 --> 00:16:58,520 Speaker 1: hang out with him last night at their big Christmas 276 00:16:58,600 --> 00:17:02,120 Speaker 1: bash the home of the Duke symbol. Beautiful home and 277 00:17:02,520 --> 00:17:04,919 Speaker 1: just what a wonderful time. So thank you to the 278 00:17:04,960 --> 00:17:08,879 Speaker 1: Shelby County Young Republicans for inviting me there. But anyway, 279 00:17:08,920 --> 00:17:11,040 Speaker 1: this is a great conversation starter if you want to 280 00:17:11,040 --> 00:17:13,840 Speaker 1: have a Christmas party as well. And here is your question. 281 00:17:13,880 --> 00:17:16,919 Speaker 1: And if you've won something over the past thirty days, 282 00:17:17,280 --> 00:17:20,600 Speaker 1: you are not eligible, so do not call. But here 283 00:17:20,680 --> 00:17:26,280 Speaker 1: is the question. Elvis Presley's mother loved this department store. 284 00:17:26,600 --> 00:17:29,760 Speaker 1: She shopped there, She got her hair done at this 285 00:17:29,840 --> 00:17:35,000 Speaker 1: department store, which also had a beloved Memphis Christmas time tradition. 286 00:17:35,440 --> 00:17:38,840 Speaker 1: Can you name the department store? Can you name the 287 00:17:39,000 --> 00:17:43,840 Speaker 1: Christmas tradition that this department store hosted? If you get 288 00:17:43,840 --> 00:17:47,040 Speaker 1: the question right, well you're going to win this beautiful 289 00:17:47,080 --> 00:17:52,280 Speaker 1: hardcovey hardcover book called Christmas in the Movies. And we're 290 00:17:52,320 --> 00:17:54,439 Speaker 1: going to throw in some KWAM candy canes as well. 291 00:17:54,440 --> 00:17:57,160 Speaker 1: They're very delicious and we've got way too many of them. 292 00:17:57,520 --> 00:18:00,000 Speaker 1: Nine oh one two six zero five nine two cents. 293 00:18:00,480 --> 00:18:03,320 Speaker 1: That's nine oh one two six zero five nine two six. 294 00:18:03,600 --> 00:18:06,800 Speaker 1: Elvis Presley's mom had a favorite department store here in 295 00:18:06,800 --> 00:18:10,080 Speaker 1: the mid South. That department store also hosted a beloved 296 00:18:10,160 --> 00:18:13,439 Speaker 1: Christmas tradition. You got to name the department store. You 297 00:18:13,560 --> 00:18:16,160 Speaker 1: gotta name the tradition, and you're gonna win a copy 298 00:18:16,200 --> 00:18:19,880 Speaker 1: of Christmas in the Movies. Nine oh one two six 299 00:18:20,000 --> 00:18:23,399 Speaker 1: zero five nine two six is our telephone number. Well, 300 00:18:23,400 --> 00:18:24,920 Speaker 1: coming up, we're going to be talking to our good 301 00:18:24,960 --> 00:18:28,600 Speaker 1: friend Joe Garner. She's going to drop by every Saturday. 302 00:18:28,680 --> 00:18:31,920 Speaker 1: You're able to hear her program right here on the 303 00:18:32,000 --> 00:18:34,639 Speaker 1: mighty nine to ninety. And we've got some wonderful shows 304 00:18:34,680 --> 00:18:37,240 Speaker 1: coming up this week as a matter of fact, tomorrow 305 00:18:37,720 --> 00:18:40,560 Speaker 1: we have a very special program lined up just for 306 00:18:40,640 --> 00:18:44,280 Speaker 1: you three hours. You're going to get an advance listen 307 00:18:44,840 --> 00:18:48,600 Speaker 1: to the Starns Country Christmas Show. It will also air 308 00:18:48,760 --> 00:18:52,960 Speaker 1: on Christmas Day multiple times throughout the day here on 309 00:18:52,960 --> 00:18:56,120 Speaker 1: the mighty nine ninety, compliments of our friend Derek Mills. 310 00:18:56,359 --> 00:18:58,960 Speaker 1: By the way, Derek is not only is he running 311 00:18:59,000 --> 00:19:02,560 Speaker 1: for the Shelby County Mission District two, he is sponsoring 312 00:19:02,600 --> 00:19:05,920 Speaker 1: our Christmas programming here on KWHAM. So if you see 313 00:19:05,960 --> 00:19:09,119 Speaker 1: Derek at at the ball or maybe you're at I 314 00:19:09,119 --> 00:19:12,679 Speaker 1: don't know wherever you're at Boo Yahs, you tell Jim 315 00:19:12,840 --> 00:19:17,240 Speaker 1: or tell Derek rather that we appreciate him and Dereck Mills, 316 00:19:17,240 --> 00:19:20,160 Speaker 1: God bless you, my friend, and we appreciate the great 317 00:19:20,160 --> 00:19:22,560 Speaker 1: work you're doing. All right, hang tight, we're gonna get 318 00:19:22,560 --> 00:19:41,560 Speaker 1: to your calls. Trivia coming up. This is Starringe Country, 319 00:19:43,359 --> 00:19:45,679 Speaker 1: all right, and sit on my coco. Sana is going 320 00:19:45,760 --> 00:19:48,040 Speaker 1: to be drinking one of those fruity beverages with a 321 00:19:48,080 --> 00:19:51,720 Speaker 1: little umprels. Think about it in fillin it's hot. I 322 00:19:51,720 --> 00:19:53,840 Speaker 1: think Santa made it's the outfit this year. 323 00:19:54,640 --> 00:19:56,800 Speaker 2: He's got the short sleeve fir thing. 324 00:19:57,000 --> 00:19:59,240 Speaker 1: I've heard about it. He's got like a Hawaiian shirt. 325 00:19:59,480 --> 00:20:02,600 Speaker 1: He's wearing the shorts. It is very warm. The reindeer 326 00:20:02,640 --> 00:20:04,239 Speaker 1: you like, yeah, we need some a see up here 327 00:20:04,280 --> 00:20:08,360 Speaker 1: in the sleigh, Santa. We're we're not playing around. Welcome back, everybody. 328 00:20:08,400 --> 00:20:11,000 Speaker 1: Thirty five minutes past the hour. We are heading towards 329 00:20:11,040 --> 00:20:15,440 Speaker 1: possibly record temperatures for Christmas Christmas Eve seventy five degrees 330 00:20:15,560 --> 00:20:18,920 Speaker 1: on both days. Will had the complete forecast with Laura 331 00:20:18,960 --> 00:20:21,520 Speaker 1: Huckabee in just a few moments. By the way, want 332 00:20:21,520 --> 00:20:23,840 Speaker 1: to give a big shut out again Memphis. The people 333 00:20:23,840 --> 00:20:26,840 Speaker 1: of Memphis are so giving. And there was a terrible 334 00:20:26,880 --> 00:20:29,760 Speaker 1: fire over at Fox Meadows. By the way, pro tip, 335 00:20:29,960 --> 00:20:34,439 Speaker 1: do not put your cardboard pizza box in the oven 336 00:20:34,600 --> 00:20:37,000 Speaker 1: and leave it there, because bad things happen. And so 337 00:20:37,160 --> 00:20:39,800 Speaker 1: now a lot of people are homeless. Well, there is 338 00:20:39,880 --> 00:20:43,639 Speaker 1: a Memphis ramper Dylan. I'm gonna I'm just gonna butcher. 339 00:20:43,720 --> 00:20:47,479 Speaker 1: This name is that nl Choppa. That's right, Wow, I 340 00:20:47,520 --> 00:20:52,840 Speaker 1: got it, man, I cult I feel so fly all right. 341 00:20:52,920 --> 00:20:56,199 Speaker 1: So Nli Choppa's mother heard about all of this, and 342 00:20:56,320 --> 00:20:59,240 Speaker 1: so she's putting together money and she's helping these families 343 00:20:59,440 --> 00:21:02,000 Speaker 1: that were just so we're so excited for that. Thank you? 344 00:21:02,560 --> 00:21:05,159 Speaker 1: Is it missus Choppa? I don't know, I don't know 345 00:21:05,240 --> 00:21:08,560 Speaker 1: her name, but anyway, God bless you. Real quick, Trivia, 346 00:21:08,720 --> 00:21:12,080 Speaker 1: let's go to the phone lines Terry and Memphis. Terry, 347 00:21:12,200 --> 00:21:18,520 Speaker 1: Merry Christmas to you. All right, Terry, So we have 348 00:21:18,640 --> 00:21:22,560 Speaker 1: a beautiful hardcover Christmas in the Movies book on the 349 00:21:22,760 --> 00:21:26,240 Speaker 1: line here, and we need to know that Elvis's mom 350 00:21:26,359 --> 00:21:30,000 Speaker 1: had a favorite department store in Memphis, and that department 351 00:21:30,040 --> 00:21:34,119 Speaker 1: store had a great Christmas event a display. Can you 352 00:21:34,200 --> 00:21:39,200 Speaker 1: tell us the name of the store. Well, I thought 353 00:21:39,200 --> 00:21:47,359 Speaker 1: it was a downtown ghostis well you thought correctly, yes, Terry, congratulations? 354 00:21:47,400 --> 00:21:51,280 Speaker 1: Did you know? Did you know what we had? 355 00:21:51,440 --> 00:21:51,480 Speaker 2: You? 356 00:21:51,760 --> 00:21:55,840 Speaker 1: Jasel What was that? Dylan? Terry? Did you know the 357 00:21:55,960 --> 00:21:58,760 Speaker 1: name of the the event, the display they had? 358 00:22:00,359 --> 00:22:02,639 Speaker 5: I don't know this specific name. And it was in 359 00:22:02,680 --> 00:22:07,400 Speaker 5: the basement and it was a very large display. Uh 360 00:22:07,760 --> 00:22:11,639 Speaker 5: just wound around in there. No, No, I don't know 361 00:22:11,720 --> 00:22:12,720 Speaker 5: this specific name. 362 00:22:12,800 --> 00:22:16,000 Speaker 1: But you know what we're gonna, We're gonna, we're gonna 363 00:22:16,080 --> 00:22:20,040 Speaker 1: lavish some Christmas generosity on you. It was the Enchanted Forest, 364 00:22:20,560 --> 00:22:23,240 Speaker 1: which is which is now at the Yeah, now it's 365 00:22:23,280 --> 00:22:26,840 Speaker 1: at the Pink Palace. But congratulations, Terry, We're gonna put 366 00:22:26,880 --> 00:22:28,720 Speaker 1: you on hold and you're gonna be able to get 367 00:22:28,760 --> 00:22:30,720 Speaker 1: We'll get you the information on how you can pick 368 00:22:30,800 --> 00:22:33,000 Speaker 1: up this book. You're gonna love it. It is a 369 00:22:33,119 --> 00:22:34,080 Speaker 1: terrific book. 370 00:22:34,400 --> 00:22:34,520 Speaker 5: Uh. 371 00:22:34,560 --> 00:22:36,159 Speaker 1: And you can get a copy, by the way, at 372 00:22:36,200 --> 00:22:39,080 Speaker 1: Novel Memphis, they've got plenty of copies of this. Well, 373 00:22:39,160 --> 00:22:41,800 Speaker 1: let's go right away to the Patriot Mobile hus maker line. 374 00:22:42,320 --> 00:22:44,760 Speaker 1: I know, Joe Garner, you the answer to that question, 375 00:22:44,960 --> 00:22:49,360 Speaker 1: Host of Real Estate Mortgage Shop, Joe Merry Christmas to you. 376 00:22:50,280 --> 00:22:52,520 Speaker 6: Mary Christmas call to our listeners. 377 00:22:52,640 --> 00:22:55,680 Speaker 1: Did you ever did you ever go to the enchanted 378 00:22:55,720 --> 00:22:57,879 Speaker 1: forest when you were you were a little person. 379 00:22:59,080 --> 00:23:02,160 Speaker 6: Well, I grew up in the town outside of Memphis, 380 00:23:02,160 --> 00:23:04,639 Speaker 6: so I did not get that opportunity. But one of 381 00:23:04,680 --> 00:23:08,800 Speaker 6: our dear friends, one of the sponsors for Real Estate 382 00:23:08,840 --> 00:23:13,199 Speaker 6: Mortgage Shop is Santas and he's there today, So go 383 00:23:13,320 --> 00:23:17,240 Speaker 6: see him. So Sonny goes to the Bonner Children's Fund. 384 00:23:17,840 --> 00:23:20,600 Speaker 1: It does. And he is an honest to goodness handed 385 00:23:20,680 --> 00:23:22,520 Speaker 1: We had a chance to meet him, and what a 386 00:23:22,560 --> 00:23:24,919 Speaker 1: great Santa Claus he is. 387 00:23:25,040 --> 00:23:27,959 Speaker 6: And he's been a Santa for over fifty years and 388 00:23:28,000 --> 00:23:30,000 Speaker 6: he thought he was the one at the intened Forest 389 00:23:30,040 --> 00:23:31,440 Speaker 6: there at Goldsmith's back. 390 00:23:31,280 --> 00:23:31,720 Speaker 4: In the day. 391 00:23:31,920 --> 00:23:35,600 Speaker 1: Wow, he told He told Dalton Dylan, rather be sure 392 00:23:35,640 --> 00:23:38,000 Speaker 1: that he's on the nice list, And I think he 393 00:23:38,119 --> 00:23:39,719 Speaker 1: was serious. He wasn't messing around. 394 00:23:41,200 --> 00:23:42,159 Speaker 6: He doesn't mess around. 395 00:23:42,359 --> 00:23:46,000 Speaker 1: I saw walking around. He was, Yeah, Santa was walking 396 00:23:46,000 --> 00:23:48,359 Speaker 1: around the station taking notes and I'm like, what's going 397 00:23:48,400 --> 00:23:53,800 Speaker 1: on here? What's going on? Joe Garter? Oh my word, 398 00:23:54,240 --> 00:23:57,520 Speaker 1: all right, Uh, let's talk. Let's talk new year because 399 00:23:57,520 --> 00:23:59,280 Speaker 1: we got a lot We're heading into the new year 400 00:23:59,520 --> 00:24:02,639 Speaker 1: and a lot of people looking to make changes, decisions, 401 00:24:03,359 --> 00:24:05,919 Speaker 1: and especially when it comes to mortgages. What is the 402 00:24:05,960 --> 00:24:09,200 Speaker 1: smartest move as we head into twenty twenty six. 403 00:24:10,400 --> 00:24:14,760 Speaker 6: That is the biggest, the most popular questions online right 404 00:24:14,800 --> 00:24:17,399 Speaker 6: now and just some research, and you know, some people 405 00:24:17,480 --> 00:24:20,760 Speaker 6: say it's like a game of chess, and the success 406 00:24:20,880 --> 00:24:23,720 Speaker 6: in chess and in live of it, it doesn't come 407 00:24:24,160 --> 00:24:28,359 Speaker 6: from avoiding risks, but understanding them. And sometimes you have 408 00:24:28,400 --> 00:24:31,400 Speaker 6: to put everything on the line to achieve greatness. That's 409 00:24:31,400 --> 00:24:34,040 Speaker 6: from anonymous, but you know it's true. Taught in the 410 00:24:34,080 --> 00:24:36,680 Speaker 6: mortgage business. I've been in the mortgage business over thirty 411 00:24:36,680 --> 00:24:40,080 Speaker 6: five years, been on thousands of journeys with some Hall 412 00:24:40,080 --> 00:24:43,520 Speaker 6: of Fame mortgage clients. After that long, I figured out 413 00:24:44,000 --> 00:24:47,600 Speaker 6: who wins, and the people who win time after time 414 00:24:47,640 --> 00:24:50,000 Speaker 6: are those people who have sat down, like maybe over 415 00:24:50,040 --> 00:24:53,320 Speaker 6: the holidays, right now, they sit down and they decide 416 00:24:53,400 --> 00:24:55,080 Speaker 6: what do we want our life to look like? Do 417 00:24:55,119 --> 00:24:56,840 Speaker 6: we want to own a home? Do we want to 418 00:24:56,840 --> 00:24:58,400 Speaker 6: own a bunch of homes, or we want to own 419 00:24:58,440 --> 00:25:01,800 Speaker 6: a vacation home. What is that you want so that 420 00:25:01,920 --> 00:25:05,359 Speaker 6: you can prepare. When you're prepared, you can push past 421 00:25:06,080 --> 00:25:10,120 Speaker 6: fear and pursue that life that you want and live 422 00:25:10,119 --> 00:25:13,680 Speaker 6: your dream. But right now, to answer your question, one 423 00:25:13,720 --> 00:25:17,800 Speaker 6: of the most common questions I hear from callers in 424 00:25:17,920 --> 00:25:21,320 Speaker 6: the last month has been are there still any mortgage 425 00:25:21,400 --> 00:25:25,639 Speaker 6: programs that will give me down payment assistance? Yes? And 426 00:25:26,040 --> 00:25:29,560 Speaker 6: actually people don't realize that there's some down payment assistance 427 00:25:29,680 --> 00:25:33,520 Speaker 6: programs that will have a program for people who aren't 428 00:25:33,520 --> 00:25:37,200 Speaker 6: even first on home buyers. So you know, check it out, 429 00:25:37,359 --> 00:25:42,160 Speaker 6: call text me today we can talk about that. 430 00:25:43,200 --> 00:25:46,240 Speaker 1: Joe Garner joining us. She is host of real Estate 431 00:25:46,280 --> 00:25:48,760 Speaker 1: Morgan Shop on Saturdays right here on the mighty nine 432 00:25:48,840 --> 00:25:52,800 Speaker 1: ninety Joe, A lot of people wonder is it possible, 433 00:25:53,040 --> 00:25:54,600 Speaker 1: you know, because you know sometimes you have to put 434 00:25:54,640 --> 00:25:57,560 Speaker 1: down a down payment. Are there instances where you you 435 00:25:57,640 --> 00:25:59,040 Speaker 1: don't have to put any money down? 436 00:26:00,119 --> 00:26:03,600 Speaker 6: Yes, yes, yes, yes. If that's another one that people 437 00:26:03,600 --> 00:26:05,840 Speaker 6: are like, really, you mean I don't have to be 438 00:26:05,920 --> 00:26:08,879 Speaker 6: a veteran. You know, a veterans have a great program 439 00:26:08,920 --> 00:26:12,040 Speaker 6: by the way, for one hundred percent down. But there's 440 00:26:12,200 --> 00:26:15,159 Speaker 6: other programs, and again some of them you don't have 441 00:26:15,240 --> 00:26:17,960 Speaker 6: to be a first time home buyer. You just have 442 00:26:18,040 --> 00:26:20,720 Speaker 6: to you have to call and call me and let's 443 00:26:20,760 --> 00:26:23,240 Speaker 6: look and see if you qualify for one of those. 444 00:26:23,800 --> 00:26:27,119 Speaker 6: But so many times, Todd, if you think outside the box, 445 00:26:27,160 --> 00:26:29,320 Speaker 6: and I love to do that, we can make a 446 00:26:29,400 --> 00:26:32,200 Speaker 6: combination of loans to help people get in through zero 447 00:26:32,480 --> 00:26:37,080 Speaker 6: and still make it affordable. But here's another question that 448 00:26:37,119 --> 00:26:40,840 Speaker 6: people ask me, what's the maximum I can afford? You know, 449 00:26:41,000 --> 00:26:42,720 Speaker 6: I don't mind if you call and ask me that, 450 00:26:42,800 --> 00:26:43,960 Speaker 6: But that's actually not. 451 00:26:44,000 --> 00:26:44,800 Speaker 4: The best question. 452 00:26:45,280 --> 00:26:48,200 Speaker 6: The best question is for you to ask yourself, what 453 00:26:48,240 --> 00:26:52,119 Speaker 6: can I personally afford to pay per month on a 454 00:26:52,160 --> 00:26:56,480 Speaker 6: mortgage payment? Because it's your budget, you know what your 455 00:26:56,480 --> 00:26:58,840 Speaker 6: personal comfort level is, and I'm not the one making 456 00:26:58,880 --> 00:27:01,920 Speaker 6: your mortgage payment. You are, But I can help you 457 00:27:02,200 --> 00:27:06,200 Speaker 6: answer that question again. Call text me nine oh one 458 00:27:06,359 --> 00:27:08,760 Speaker 6: four eight two zero three five fourth. 459 00:27:09,280 --> 00:27:09,840 Speaker 4: I'll help you. 460 00:27:09,880 --> 00:27:11,919 Speaker 6: Whether you end up doing a loan with me or not, 461 00:27:12,160 --> 00:27:15,399 Speaker 6: I'm happy to help you answer that question. 462 00:27:16,240 --> 00:27:18,280 Speaker 1: And the other thing is there are there are a 463 00:27:18,280 --> 00:27:21,359 Speaker 1: lot of great programs out there that can help folks 464 00:27:21,359 --> 00:27:22,720 Speaker 1: here in the Mid South. 465 00:27:24,000 --> 00:27:27,560 Speaker 6: There are you know. Another one is, hey, I feel 466 00:27:27,600 --> 00:27:29,760 Speaker 6: like this payment's too high for me? Is there anything? 467 00:27:30,040 --> 00:27:34,360 Speaker 6: Is there any programs that have lower rate? Yes, there is. 468 00:27:34,840 --> 00:27:38,560 Speaker 6: In fact, we're so blessed to have Tennessee Housing Development 469 00:27:38,600 --> 00:27:42,760 Speaker 6: Agency program. Now that one is primarily for first time 470 00:27:42,840 --> 00:27:46,480 Speaker 6: home buyers except for certain you know, census tracks. 471 00:27:46,640 --> 00:27:48,120 Speaker 2: But it is a. 472 00:27:48,000 --> 00:27:51,680 Speaker 6: Below market interest rate and it's really low todd for 473 00:27:51,840 --> 00:27:58,160 Speaker 6: our first responders and military, you know, retired military or military. 474 00:27:58,560 --> 00:28:01,560 Speaker 6: It's a wonderful one wonderful program that gets you way 475 00:28:01,600 --> 00:28:05,560 Speaker 6: below market interest rates, makes that payment load, plus they 476 00:28:05,560 --> 00:28:07,680 Speaker 6: give down payment assistance on top of that. 477 00:28:08,640 --> 00:28:08,920 Speaker 2: Joe. 478 00:28:09,160 --> 00:28:12,320 Speaker 1: A lot of people, especially here, and this is just 479 00:28:12,400 --> 00:28:14,760 Speaker 1: maybe this is just a Memphis thing, but a lot 480 00:28:14,800 --> 00:28:17,480 Speaker 1: of folks here in the Mid South have a vacation home, 481 00:28:17,600 --> 00:28:21,320 Speaker 1: whether it's down on the Gulf of America, or it's 482 00:28:21,359 --> 00:28:24,520 Speaker 1: down at Pickwick somewhere on the lake and some people 483 00:28:24,600 --> 00:28:27,840 Speaker 1: are actually looking at maybe getting a vacation home. What 484 00:28:27,880 --> 00:28:30,160 Speaker 1: do people need to do? And that is do they 485 00:28:30,160 --> 00:28:32,119 Speaker 1: pay cash for the home? What do they do? 486 00:28:33,359 --> 00:28:33,639 Speaker 2: Well? 487 00:28:34,040 --> 00:28:37,239 Speaker 6: They okay? So that's I'm so glad you asked that 488 00:28:37,320 --> 00:28:40,160 Speaker 6: because right now, since Thanksgiving, that's been one of the 489 00:28:40,160 --> 00:28:43,960 Speaker 6: hottest number of calls coming in or about people thinking about, Hey, 490 00:28:44,000 --> 00:28:46,720 Speaker 6: we want to own a vacation home in twenty twenty six. 491 00:28:47,360 --> 00:28:49,720 Speaker 6: Let me give you a common call. I this just 492 00:28:49,880 --> 00:28:53,680 Speaker 6: happened this past week. I had a client who said, 493 00:28:53,720 --> 00:28:55,800 Speaker 6: I want to buy them a vacation home on the lake. 494 00:28:56,520 --> 00:28:58,520 Speaker 6: But Joe, we don't know if we want to get 495 00:28:58,560 --> 00:29:03,680 Speaker 6: a loan on that house and leave our primary residence unencumbered, 496 00:29:03,720 --> 00:29:05,560 Speaker 6: or if we want to do a cash out refinance 497 00:29:05,600 --> 00:29:08,440 Speaker 6: on our primary home to pay cash for that house. 498 00:29:08,920 --> 00:29:10,760 Speaker 6: So well, there's one way to do it. We can 499 00:29:11,040 --> 00:29:13,440 Speaker 6: draw a line. We can do one scenario on one side, 500 00:29:13,480 --> 00:29:16,840 Speaker 6: one scenario on the other unless the numbers answer our questions. 501 00:29:17,160 --> 00:29:19,880 Speaker 6: The answer was a cash out on his residence. Pod 502 00:29:20,240 --> 00:29:24,560 Speaker 6: You know why, and it's because the interest rate was 503 00:29:24,600 --> 00:29:28,520 Speaker 6: so much lower, because it's on his primary residence, and 504 00:29:29,120 --> 00:29:31,200 Speaker 6: he didn't have to worry about a lot of the 505 00:29:31,280 --> 00:29:35,480 Speaker 6: restrictions on financing on a small home. He was buying 506 00:29:35,480 --> 00:29:38,720 Speaker 6: a small one. So in some cases it's a number 507 00:29:38,800 --> 00:29:42,520 Speaker 6: of things. But again, let's brainstorm together and I can 508 00:29:42,520 --> 00:29:43,160 Speaker 6: help you do that. 509 00:29:43,240 --> 00:29:45,520 Speaker 1: It's a great idea. And you can do that, folks 510 00:29:45,560 --> 00:29:49,280 Speaker 1: by visiting Joe reaching out to her Joe Garner dot com. 511 00:29:49,280 --> 00:29:52,680 Speaker 1: That's Joe without the E Joe Garner dot com. Joe 512 00:29:52,760 --> 00:29:56,000 Speaker 1: is also the author of the book Choosing the Best Mortgage, 513 00:29:56,080 --> 00:29:59,160 Speaker 1: The Quickest Way to the life you want. You can 514 00:29:59,200 --> 00:30:02,800 Speaker 1: get that wherever you buy your books. And Joe, we 515 00:30:02,920 --> 00:30:06,720 Speaker 1: got to talk about this coming Saturday eleven o'clock. You 516 00:30:06,760 --> 00:30:09,960 Speaker 1: have got a great, great show lined up. Who's going 517 00:30:10,040 --> 00:30:10,800 Speaker 1: to be dropping by? 518 00:30:12,000 --> 00:30:15,960 Speaker 6: Oh, We're talking about legacy planning and property holiday conversations. 519 00:30:16,040 --> 00:30:18,520 Speaker 6: This turned out to be a really cool, fun show, 520 00:30:18,720 --> 00:30:22,160 Speaker 6: very informative. I had Tim Fleshner at mid South Home Helpers, 521 00:30:22,200 --> 00:30:25,760 Speaker 6: Mary Luno back of Resource for Care dot com, and 522 00:30:25,800 --> 00:30:28,360 Speaker 6: we had Sherry Harbor of Harbor Realty. We were all 523 00:30:28,400 --> 00:30:32,920 Speaker 6: sharing our personal stories, todd personal stories of caring for 524 00:30:33,040 --> 00:30:36,480 Speaker 6: loved ones and having to make those decisions that you 525 00:30:36,560 --> 00:30:39,680 Speaker 6: have to make sometimes for the best interest of your 526 00:30:39,720 --> 00:30:42,400 Speaker 6: loved one who needs some assistance, you know, with like 527 00:30:42,520 --> 00:30:45,480 Speaker 6: daily routines of life and things. But it's a fun 528 00:30:45,480 --> 00:30:49,440 Speaker 6: and informative show. You can catch our podcast at jogarner 529 00:30:49,440 --> 00:30:52,120 Speaker 6: dot com. But better still, if you'll tune in to 530 00:30:52,200 --> 00:30:56,880 Speaker 6: Klin on Saturday at eleventh Century, you'll get to join 531 00:30:56,960 --> 00:30:57,720 Speaker 6: us for that show. 532 00:30:58,240 --> 00:31:01,840 Speaker 1: I love that. And again, folks, eleven o'clock Real Estate 533 00:31:01,880 --> 00:31:04,400 Speaker 1: Morgan Shop right here on the Mightay nine ninety hosted 534 00:31:04,440 --> 00:31:07,560 Speaker 1: by our friend Joe Garner, and you can go check 535 00:31:07,600 --> 00:31:12,720 Speaker 1: out her website. That's Jogarner dot com. Joe, Merry Christmas. 536 00:31:12,200 --> 00:31:15,280 Speaker 6: To you, Merry Christmas pod. Thank you so much. 537 00:31:15,560 --> 00:31:17,840 Speaker 1: All Right, there you have it, everybody, the great Joe 538 00:31:17,880 --> 00:31:20,240 Speaker 1: Garner and it is such a fun I love weekends 539 00:31:20,240 --> 00:31:22,360 Speaker 1: here on the mighty nine ninety. I know a lot 540 00:31:22,400 --> 00:31:25,600 Speaker 1: of you folks have honeydew List and you're out there, 541 00:31:25,640 --> 00:31:28,320 Speaker 1: you're doing a lot of different projects. It's great to 542 00:31:28,440 --> 00:31:31,200 Speaker 1: download the app and you can just listen on your 543 00:31:31,240 --> 00:31:34,000 Speaker 1: smartphone or if you've got I'm old school, I've got 544 00:31:34,040 --> 00:31:36,840 Speaker 1: to transistor radio at my home and I just crank 545 00:31:36,920 --> 00:31:39,400 Speaker 1: that thing up and listen, and it's so much fun 546 00:31:39,440 --> 00:31:42,400 Speaker 1: from We start today with mid South gardening and we 547 00:31:42,480 --> 00:31:46,520 Speaker 1: go from there with lots of local content exclusively here 548 00:31:46,560 --> 00:31:48,800 Speaker 1: on the mighty nine ninety. All right, we've got to 549 00:31:48,840 --> 00:31:51,800 Speaker 1: take a break. As we go to break though President 550 00:31:51,880 --> 00:31:55,840 Speaker 1: Trump Dylan, are we sure this is the president? I've 551 00:31:55,920 --> 00:31:59,840 Speaker 1: never heard him actually singing? Oh yeah, this is confirmed. 552 00:32:00,200 --> 00:32:03,880 Speaker 1: Sh I don't know about that. Cut number three plays. 553 00:32:04,240 --> 00:32:13,600 Speaker 2: The lease depordad. They lease deporda, the lease depordad. Prospero 554 00:32:13,720 --> 00:32:19,560 Speaker 2: vi a Hey eno, welvas, We're gonna get you out 555 00:32:19,600 --> 00:32:24,480 Speaker 2: of a country, Get those bedambres out of a country, 556 00:32:25,200 --> 00:32:28,440 Speaker 2: Get everyone the hell out of a country, and we'll 557 00:32:28,480 --> 00:32:34,200 Speaker 2: never let them back. We closed our border to save 558 00:32:34,360 --> 00:32:40,120 Speaker 2: the nation. We all love ice and mess deportations. Send 559 00:32:40,160 --> 00:32:44,440 Speaker 2: the illegals to a new location, then don't ever let 560 00:32:44,480 --> 00:32:45,280 Speaker 2: them back. 561 00:32:46,160 --> 00:32:49,600 Speaker 1: Okay, I don't think that's I think somebody's anching our 562 00:32:49,720 --> 00:32:53,520 Speaker 1: chain here in Stern's Country. All right, our telephone number 563 00:32:53,520 --> 00:32:56,080 Speaker 1: and I know what two six zero five nine two six. 564 00:32:56,400 --> 00:32:59,400 Speaker 1: This is Starn's Country and the principal to Yoda Memphis Studio. 565 00:33:10,240 --> 00:33:13,600 Speaker 1: All right, welcome back, everybody. This is Sterne Country. And 566 00:33:13,680 --> 00:33:15,960 Speaker 1: the principal to you to Memphis Studio. Great to have 567 00:33:16,040 --> 00:33:19,760 Speaker 1: you with us today. There is a lot of controversy 568 00:33:19,760 --> 00:33:22,400 Speaker 1: in East Memphis and the Shady Grove area, and that 569 00:33:22,480 --> 00:33:26,080 Speaker 1: is that's actually how I drive home. I like driving 570 00:33:26,120 --> 00:33:29,480 Speaker 1: down through the neighborhoods. It's much more relaxing. May not 571 00:33:29,520 --> 00:33:33,480 Speaker 1: be doing that anymore after what happened over the weekend. 572 00:33:33,680 --> 00:33:38,760 Speaker 1: There was a massive shooting incident. And again it's one 573 00:33:38,840 --> 00:33:42,160 Speaker 1: of the challenges that we have with city Hall and 574 00:33:42,200 --> 00:33:44,680 Speaker 1: with the Memphis Police Department. The reality is we still 575 00:33:44,680 --> 00:33:47,479 Speaker 1: have a lot of crime. I mean we don't and 576 00:33:47,880 --> 00:33:50,440 Speaker 1: KAWAM catches a lot of flak because of our Stop 577 00:33:50,480 --> 00:33:53,520 Speaker 1: Memphis Crime Group and people are able to go there 578 00:33:53,680 --> 00:33:56,920 Speaker 1: and you guys, we have sort of deputized all of 579 00:33:57,000 --> 00:34:00,720 Speaker 1: Memphis to go to Stop Memphis Crime Group and to report. 580 00:34:00,760 --> 00:34:04,480 Speaker 1: You guys get to report on the crime and really 581 00:34:04,520 --> 00:34:09,160 Speaker 1: expose what's happening. So we've been conducting experiment an experiment 582 00:34:09,200 --> 00:34:11,759 Speaker 1: here at KWHAM for the past couple of months. I 583 00:34:11,800 --> 00:34:15,239 Speaker 1: have not been telling you about all of the shootings 584 00:34:15,320 --> 00:34:18,000 Speaker 1: and the violence right in the city. And you know why, 585 00:34:18,120 --> 00:34:21,760 Speaker 1: because the Mayor Paul Jung and all of his ilk 586 00:34:22,320 --> 00:34:25,120 Speaker 1: and all of the leftists and some of these yes, 587 00:34:25,280 --> 00:34:29,360 Speaker 1: Rhino Republicans, you know who you are. You've been accusing 588 00:34:29,440 --> 00:34:32,719 Speaker 1: Kwham of causing all the crime and violence. All you 589 00:34:32,840 --> 00:34:36,000 Speaker 1: people do is talk about crime and violence all the time. 590 00:34:36,239 --> 00:34:38,080 Speaker 1: So for the past couple of months, we haven't done 591 00:34:38,120 --> 00:34:41,000 Speaker 1: that and has been very intentional. Now, obviously, if we 592 00:34:41,040 --> 00:34:42,759 Speaker 1: had some sort of a mass shooting or something, we 593 00:34:43,120 --> 00:34:45,520 Speaker 1: break into programming and let you know about it. But 594 00:34:45,680 --> 00:34:47,399 Speaker 1: so we decided, you know what, we're going to see 595 00:34:47,400 --> 00:34:50,880 Speaker 1: if that's the case. Is it true that KWAM reporting 596 00:34:50,920 --> 00:34:53,840 Speaker 1: on the violence is causing the violence. Well, it turns 597 00:34:53,880 --> 00:34:57,880 Speaker 1: out that the shootings actually increased as a result of 598 00:34:57,960 --> 00:35:02,240 Speaker 1: us not talking about it. So there goes that theory 599 00:35:02,280 --> 00:35:06,239 Speaker 1: out the window. So over the weekend, there was a 600 00:35:06,360 --> 00:35:11,000 Speaker 1: terrible shooting in East Memphis, right out in the Shady 601 00:35:11,000 --> 00:35:13,560 Speaker 1: Grove area, and it shocked everybody because that's a very 602 00:35:13,640 --> 00:35:15,960 Speaker 1: nice area and people are wondering what the heck is 603 00:35:16,000 --> 00:35:19,879 Speaker 1: going on. Well, if you've noticed there is there's another 604 00:35:19,960 --> 00:35:23,120 Speaker 1: radio station in town and they run these ads with 605 00:35:23,200 --> 00:35:24,839 Speaker 1: a company that wants to go out there and they're 606 00:35:24,840 --> 00:35:27,480 Speaker 1: trying to buy up all this property in our neighborhoods 607 00:35:27,760 --> 00:35:31,399 Speaker 1: and then they turned those homes into rentals. We don't 608 00:35:31,480 --> 00:35:33,960 Speaker 1: allow that kind of crap here on this radio station. 609 00:35:34,360 --> 00:35:37,319 Speaker 1: And the reason why is because of stuff like this. 610 00:35:37,680 --> 00:35:41,440 Speaker 1: Because now we know, according to the Memphis Police Department, 611 00:35:41,760 --> 00:35:45,480 Speaker 1: that this was a short term rental property in the 612 00:35:45,560 --> 00:35:48,880 Speaker 1: area and a bunch of gang bangers had rented the 613 00:35:48,920 --> 00:35:53,840 Speaker 1: property for a large house party. Now, according to the 614 00:35:53,920 --> 00:35:58,759 Speaker 1: Memphis PD, this was insane. Eyewitnesses are saying that the 615 00:35:58,920 --> 00:36:03,600 Speaker 1: gunfire and on for at least a solid minute. Now, 616 00:36:03,680 --> 00:36:06,400 Speaker 1: I just want you to think, just imagine, you know, 617 00:36:06,640 --> 00:36:09,600 Speaker 1: take out your phone and just set the stopwatch for 618 00:36:09,719 --> 00:36:15,120 Speaker 1: sixty seconds. That's a war zone. A war zone. One 619 00:36:15,200 --> 00:36:20,960 Speaker 1: person killed, and it's very fortunate that that others were 620 00:36:20,960 --> 00:36:26,480 Speaker 1: not injured. And two gangbangers are now in jail. So 621 00:36:28,040 --> 00:36:31,080 Speaker 1: this is not surprising. I wish I could say it was. 622 00:36:31,480 --> 00:36:35,080 Speaker 1: But anyway, folks really upset and they're wondering what the 623 00:36:35,080 --> 00:36:38,360 Speaker 1: heck is going on, and it is a it's a 624 00:36:38,520 --> 00:36:41,720 Speaker 1: very fair question to ask. I know, our good friend 625 00:36:41,880 --> 00:36:46,919 Speaker 1: Jeff fear Ronelli posted something on Facebook. I love this guy, 626 00:36:47,520 --> 00:36:50,640 Speaker 1: and he said, all the local news stations are calling 627 00:36:50,680 --> 00:36:53,560 Speaker 1: this a Christmas party, but it was not a gathering 628 00:36:53,560 --> 00:36:56,960 Speaker 1: among friends. It was a business enterprise. The females were 629 00:36:56,960 --> 00:36:59,800 Speaker 1: welcome free of charge, while men were charged twenty dollars 630 00:36:59,880 --> 00:37:03,560 Speaker 1: to enter. The host paid to rent the home through Airbnb. 631 00:37:04,080 --> 00:37:07,919 Speaker 1: This was an unlicensed business proposition that should never have 632 00:37:08,000 --> 00:37:12,399 Speaker 1: been allowed to happen. This is unacceptable. Three eight one 633 00:37:12,440 --> 00:37:14,279 Speaker 1: one seven and three eight one two Oho have been 634 00:37:14,360 --> 00:37:17,560 Speaker 1: my area since ninety three. I understand the anger at 635 00:37:17,600 --> 00:37:21,160 Speaker 1: law enforcement by the neighbors who clearly witnessed potential trouble 636 00:37:21,239 --> 00:37:23,400 Speaker 1: and they did They actually called nine to one one 637 00:37:23,400 --> 00:37:26,280 Speaker 1: ahead of time, and nobody did anything. Nobody did anything. 638 00:37:27,719 --> 00:37:30,280 Speaker 1: I mean, can you imagine those are some pretty pricey 639 00:37:30,320 --> 00:37:33,600 Speaker 1: homes out in that area. Nobody they're calling. They're like, 640 00:37:33,760 --> 00:37:36,480 Speaker 1: we got trouble here in the neighborhood. Nobody came to help. 641 00:37:38,080 --> 00:37:40,480 Speaker 1: They've got to get that figured out, But there is. 642 00:37:41,080 --> 00:37:45,240 Speaker 1: That's why we need the Memphis Safe Task Force here indefinitely, 643 00:37:45,560 --> 00:37:47,920 Speaker 1: because it's going to take a long time. It may 644 00:37:47,960 --> 00:37:51,520 Speaker 1: take several years before we change the culture in this city. 645 00:37:52,400 --> 00:37:55,960 Speaker 1: And I point to another Facebook group called Memphis Crime 646 00:37:55,960 --> 00:37:59,160 Speaker 1: and Incident Reports, and I don't know who's writing this, 647 00:37:59,520 --> 00:38:03,959 Speaker 1: but I will just share this with you. Apparently they're 648 00:38:04,000 --> 00:38:06,239 Speaker 1: more concerned with the fact that, well, let me just 649 00:38:06,640 --> 00:38:09,680 Speaker 1: share the report a white guy. This happened last night. 650 00:38:10,080 --> 00:38:15,000 Speaker 1: A white guy at TJ. Mulligan's was assaulting and threatening 651 00:38:15,040 --> 00:38:18,840 Speaker 1: to kill a black man who was breaking into a vehicle. 652 00:38:19,080 --> 00:38:22,480 Speaker 1: This happened in Cordova on Trinity Road. So it just 653 00:38:22,520 --> 00:38:25,879 Speaker 1: seems to me that they got this backwards, that this 654 00:38:26,160 --> 00:38:30,120 Speaker 1: white guy was actually doing what any law abiding, patriotic, 655 00:38:30,200 --> 00:38:33,160 Speaker 1: red blooded American man would do. He was stomping the 656 00:38:33,360 --> 00:38:39,920 Speaker 1: bad guy from breaking in and stealing his car. Unbelievable. 657 00:38:40,520 --> 00:38:42,799 Speaker 1: So that's why we encourage you to hang out with 658 00:38:42,880 --> 00:38:45,440 Speaker 1: us at Stop Memphis Crime Group, because we are not 659 00:38:45,680 --> 00:38:48,960 Speaker 1: on the side of the criminals. All Right, folks, be 660 00:38:49,120 --> 00:38:52,480 Speaker 1: safe out there as you wrap up your Christmas shopping. 661 00:38:52,880 --> 00:38:55,400 Speaker 1: The Todd Sterns Show eleven o'clock, we're gonna have a 662 00:38:55,440 --> 00:38:57,959 Speaker 1: lot of fun. Be sure to listen right here exclusively 663 00:38:58,640 --> 00:39:05,600 Speaker 1: on the mighty nine. Get out there, have a great one, everybody. 664 00:39:08,120 --> 00:39:08,600 Speaker 5: M hmm.