Producer Joe is in The Home Loan Expert studios today as Tim joins via phone from Florida for football picks, soccer prognostication, and air travel complaints.   You can follow Joe on Twitter: @ProdJoe   Please support our sponsors: The Home Loan Expert, Ryan Kelley James Carlton Agency (State Farm) Gateway Buick GMC   Follow us on Twitter: @McKernanShow @tmckernan   Like us on Facebook: Facebook.com/TheTimMcKernanShow   Special thanks to Story of the Year for providing our theme music.  Please rate, review, and subscribe on iTunes so more people can discover the podcast.   Feedback is always welcome:  tmckernan@insidestl.com

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