Have you ever had someone take your identity, hack your email account, or steal your tax refund? Tim Edwards of the Flying Locksmiths will share some stories and some steps you can take to protect your real estate, your assets. I will be covering some ways you can protect your identity and private information.

What is YOUR hot topic of interest in real estate or financing? Let’s stay in touch. Subscribe to our weekly podcasts and show notes and more by emailing jo@jogarner.com. Catch our latest podcasts and blog posts at www.JoGarner.com.
To Your Success,
Jo Garner, Mortgage Loan Officer NMLS# 757308 (901) 482-0354 jo@jogarner.com



Good morning, Memphis! Welcome to our listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. You can connect with me at www.JoGarner.com. This episode of Real Estate Mortgage Shoppe is sponsored by Joe Rojas of Quality Title Pros. For your real estate purchase or refinance closing, call Joe Rojas at 901 289-5821. Our general topic is “PROTECT YOUR REAL ESTATE , YOUR ASSETS AND YOUR IDENTITY.” Do you have a question about our topic today or maybe a story of your own to share? You can call us while we are live at (901) 535-9732 or outside the Memphis area (800) 474-9732 Today is September 30th, 2017.
Have you ever had someone take your identity, hack your email account, or steal your tax refund? Tim Edwards of the Flying Locksmiths will share some stories and some steps you can take to protect your real estate, your assets. I will be covering some ways you can protect your identity and private information.


Tim Edwards, owner of the Flying Locksmiths, is in the studio. Tim, not only are you an accomplished locksmith but you have a background in the data information technology and you were an Eagle Scout too. I have heard so many great testimonies from people who have used the Flying Locksmiths. Take a moment and tell our listeners a little bit about yourself and what the Flying Locksmiths do for your clients. (Tim has about 1 minute or so to introduce himself and talk about what Flying Locksmiths do for their clients.)
Well Jo, we solve door problems for commercial enterprises and home owners. Our motto is, “If it is on a door, we handle it.” Our company goes way beyond creating a key for your home. For you home, we can make it so that all your locks use the same key. We can even strengthen your door to make it harder to kick-in. For businesses, we can provide access systems that use a key, electronic token or a keypad. Including exit devices and door closers. Lastly, we are the service provider for FireKing which is one of the nation’s largest providers of cash safes.
https://flyinglocksmiths.com/memphis-tn/ is our web page
If you are in another part of the country, we may have a Flying Locksmith near you. This is the link to our other locations: https://flyinglocksmiths.com/memphis-tn/locations/

(Jo) Tim, over the years I have probably broken every rule in the book when it comes to making sure my home is safe. When I was in college up in Portland, Maine several years ago, a friend of mine swung the front door of our apartment building wide open one night for two burglars to march in. She thought they were the property manager’s maintenance guys. I was in my unit preparing dinner for some friends coming over later when the power blinked off. Irritated, I stomped out into the building hallway and, sure enough, there are these two seedy looking fellows in black ski caps, boots and bad dental work—like those burglars in the movie Home Alone. They were bent over the electrical box in a closet where some of us kept our stuff. They were systematically shutting the power off .

“Hey, lady, we’re workin’ on the box for the management company, aye?”
Flustered, I wagged my finger at them “stay out of my stuff—and get that power back on, you hear? I’m cooking back here!

They turned the power for my unit back on pronto. Three times I came out to tell them to pipe down. They were making too much noise. Finally, at my wits end, I raised my watch arm and popped the glass on my watch with my other finger about four times. “ I don’t care what you do. But I have company coming at quarter of six and you better be out of here!”
I guess they figured somebody with some sense might show up at quarter of six so they scaddadled before my guests arrived. Needless to say, they burglarized everyone but me on that floor and the floor above me. They did not bother me. Guess they thought I was some crazy woman they should possibly fear. My neighbors were NOT happy with my friend Mary for accidentally letting them in the building and they were not happy with me for not recognizing that these thugs were burglars and obviously not from property management.

After a couple more encounters throughout my life with burglars posing as this or that, I had become reluctant to even answer the door. One day the florist guy rang my doorbell to deliver flowers. From the window he looked like Joe Pesci in a ski cap. I yelled through the closed door, “Just leave those flowers by the door! I’ll get them later!” My friends still won’t let me live that day down. Ha! Not sure if I should have shared that story on the radio.

Tim, how do sensible, safety-minded people keep their real estate safe from burglars?
(Tim launches into the segment on locks and doors on property until 9:15 break)
The first thing I would say is buy a good door, if it has glass, make sure it is not easily broken so people cannot break the window and unlock the door.

Second make sure you have a deadbolt that extends at least 1” into the door jam.
The next step is to add three-inch screws to the strike plates and hinges. The strike plate is the metal plate on your door frame where your deadbolt and latch

When you hire a locksmith, there are some things you need to do to protect yourself, as there many illegal locksmiths in the Memphis area. To work in the state of TN, Both the locksmith firm and locksmiths must be licensed. On a recent google search 6 of the 7 locksmiths in the advertising section were not registered with the state. On a Bing search for the 38119 zip code there were 9 locksmiths that showed up on the map. According to the state, The Flying Locksmiths is the only one in that zip code.

To be licensed in TN you go through a background check, submit your fingerprints, provide proof of insurance and then you must pass a locksmith test. Further you have to get continuing education to keep your skills up. So, before your hire a locksmith, do your homework. Go to https://verify.tn.gov and enter locksmith firms and Memphis as your search criteria. Only hire one of these.
You can also go to the BBB and they have reports on the local locksmiths. Home Advisors is another great resource. They vet all the contractors they recommend.

At the Flying Locksmiths, we care about your security. When we are en-route to your location, we send an email with a picture of the locksmith that will solve your problem. We also show up in uniform, in a branded van.

(JO ) We are about to go to break. When we come back we will continue talking with Tim Edwards about keeping your real estate and assets safe. I will cover some actions you can take to protect your personal information when you are applying for a mortgage. We will cover some tips from Adam Levin’s book Swiped—actions that help keep YOUR private information private. If you have a mortgage question, let’s talk! But you have to talk with me personally so I can work with you. You can connect with me at www.JoGarner.com or call me directly at (901) 482-0354. MAKE YOUR PLAN, LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY!



2nd segment after 9:15 break: Our Look Back Memphis Trivia Contest is brought to you by notable Memphis historian, Jimmy Ogle. Jimmy Ogle offers free historic walking tours downtown in the spring and fall. For information about Jimmy Ogle, go to www.JimmyOgle.com . The Look Back Memphis Trivia Contest is sponsored by John and Jennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s can help you plan your landscaping if you have a BIG, BIG project or a smaller project . The Lawhons are giving away a $25 gift card to the first person with the correct trivia answer. If you know the answer to our trivia question, call us at 901 535 WREC 901 535-9732.
Garner # 115 09/30/17

Memphis Rock ‘n’ Soul Museum

Question: I opened at 145 Lt. George W. Lee Avenue in Downtown Memphis on April 29, 2000. Who am I?
Hint: I have hundreds of musical items on display throughout my galleries.

Hint: I like Blues, Rock ‘n’ Roll and Soul.
Hint: I have since moved and my new address is 191 Beale Street.
Final Hint: The National Museum of American History states that “In the Quest to Identify the Roots of America’s Music, all Roads lead to Memphis”.
Answer: Memphis Rock ‘n’ Soul Museum. The Memphis Rock ‘n’ Soul Museum’s exhibition about the birth of rock and soul music, created by the Smithsonian Institution, tells the story of musical pioneers who, for the love of music, overcame racial and socio-economic barriers to create the music that shook the entire world. The “first born” of the world-renowned Smithsonian Institution and developed by the National Museum of American History (NMAH) to commemorate the 150th anniversary of the Smithsonian Institution in 1996, the Memphis Rock ‘n’ Soul Museum became the first exhibition to have ever been developed by the Smithsonian Institution with another museum.
Located at 191 Beale, on the corner of legendary Highway 61 at the FedExForum sports and entertainment complex, the museum offers a comprehensive Memphis music experience from the rural field hollers and sharecroppers of the 1930s, through the explosion of Sun, Stax and Hi Records and Memphis’ musical heyday in the 70s, to its global musical influence. According to the Smithsonian Institution, the finest museum system in the world, “Rock ‘n’ Soul: Social Crossroads” is the story of the body of music that had the most influence on the culture and lifestyles of the world during the middle 20th Century unto this day. It affected the way we walked, the way we talked, the way we combed our hair and the way we dressed – not only in Memphis or the nation, but the entire world.

The museum and gift shop are open daily, 10 a.m. – 7 p.m. memphisrocknsoulmuseum.org.
Jimmy Ogle gives free outdoor walking tours on the sidewalks and parks in Downtown Memphis during year, with the next being The Great Union Avenue Manhole Cover& History Tour on Tuesday, October 3 at 11:45 a.m. (meet at the Cotton Museum, Union & Front). The Judge D’Army Bailey Courthouse Tour at 12:00 noon on Thursday, October 19 (meet at the steps at the Southwest Corner, Second & Adams. Go to jimmyogle.com for more information.
Education topics
2. Illegal Locksmiths:
a. Locksmith Firms and Locksmiths must be licensed by the state of TN. AR or MS do not have licensing requirements
b. A recent search for locksmiths on google showed 6 of the 7 paid advertisements were by firms that are not licensed by the state of TN
c. A search on Bing for locksmiths in the 38119-zip code showed 9 locksmiths. The flying Locksmith is the only licensed firm located in 38119.
d. Write this down. Verify.tn.gov. It is a web site that allows you to look up professionals in the state of TN that must be licensed in order to do business in the state. So if you hire a locksmith, ask for the license number of their firm and the locksmith that will visit you. Then go to verify.tn.gov and verify them before you hire them.
e. Also look for the ALOA (Associated Locksmiths of America) designation. It signifies a locksmith that is committed to professionalism, education and ethics. They are an international body with over 10,000 members.
f. To find a good locksmith, go to verify.tn.gov to make sure you find a licensed one. ALOA has a web site called: http://findalocksmith.com/
3. Home security: Secure your doors with three-inch screws. The Victoria TX police department did a video that shows a fireman kicking in a door that had standard ¾” screws. It only took him 3 kicks to enter. By putting 3” screws in the strike plate for the knob and deadbolt the number of kicks went from 3 to 12. These screws still did not fail, it was actually the ¾” screws they put in the hinges. My recommendation is that you put them in the strike plates and in the hinges for maximum protection. https://www.youtube.com/watch?v=R0-3iIlDM1M&feature=youtu.be
4. Master keys: If you manage an apartment or a building with a lot of doors, chances are you have a big ring of keys. You should consider a Master key system that allows each door to be keyed differently, but has a master key can open all the doors. For example, in a university each classroom can have a different key. The first level master could open all the classrooms in the English building a second level master could open all the humanities buildings and a 3rd level or grandmaster could open every door in the school.
5. Dragging doors: – Have you ever went into a business and when you opened the door, is scraped along the ground? It can have a variety of causes, but most common is that the hinges are bad and need to be bent back into place or replaced. One of the best solution is what many call a piano hinge. It goes from the top to the bottom of the door. The newest iteration of these hinges use gears and have a projected 60 year life.
6. ADA Compliance: In recent years ADA compliance has become more important to business. If you are upgrading your building you should be working toward complying to ADA guidelines. While there are many rules, governing this that are very specific, like the minimum amount of time that it takes a door to go from 90 degrees to 12 degrees from the latch is 5 seconds. That said, a good rule of thumb is that you should be able to open a door with a closed fist.
a. For reference:
i. Door Closers – leaking – look up firecode
1. ADA 404.2.8.1 Door Closers and gate Closers
a. Door closers and gate closers shall be adjusted so that from an open position of 90 degrees, the time required to move the door to a position of 12 degrees from the latch is 5 seconds minimum.
2. 404.2.9 Door and Gate Opening Force. Fire doors shall have a minimum opening force allowable by the appropriate administrative authority. The force for pushing or pulling open a door or gate other than fire doors shall be as follows:
3. 1. Interior hinged doors and gates: 5 pounds (22.2 N) maximum.
4. 2. Sliding or folding doors: 5 pounds (22.2 N) maximum.
5. These forces do not apply to the force required to retract latch bolts or disengage other devices that hold the door or gate in a closed position.
ii. Crash bars
1. 1010.1.9 Door Operations
a. Except as specifically permitted by this section, egress doors shall be readily openable from the egress side without the use of a key or special knowledge or effort.
2. 1010.1.9.1 Hardware
3. Door handles, pulls, latches, locks and other operating devices on doors required to be accessible by Chapter 11 shall not require tight grasping, tight pinching or twisting of the wrist to operate.
4. 1010.1.9.2 Hardware Height
5. Door handles, pulls, latches, locks and other operating devices shall be installed 34 inches (864 mm) minimum and 48 inches (1219 mm) maximum above the finished floor. Locks used only for security purposes and not used for normal operation are permitted at any height.
6. Exception: Access doors or gates in barrier walls and fences protecting pools, spas and hot tubs shall be permitted to have operable parts of the release of latch on self-latching devices at 54 inches (1370 mm) maximum above the finished floor or ground, provided the self-latching devices are not also self locking devices operated by means of a key, electronic opener or integral combination lock.
7. Safes: There are many different types of safes
a. Gun safes, pistol safes that mount in a car, jewelry, cash etc..
b. Different entry mechanisms such as dials, digital, biometric and keyed
c. Safes can also have different ratings and purposes:
i. B-Rate – .25” steel on the body and .5” door.
ii. C-Rate – .5” body and 1” thick door.
iii. TL-15 and TL-30 safes mean that Underwriters laboratories has verified that it should take 15 minutes and 30 minutes respectively to break into the safe.
d. Virtual vaults – Fireking
e. Tips:
i. Get one size bigger than you think you need.
ii. You get what you pay for.
iii. Bolt the safe to the ground.
8. Access control: – Access control is where the industry is headed. The ability to use a code, fingerprint, phone or a token to open a lock has many advantages over a key system. If the access method is compromised, it can easily and quickly be taken out of the system or replaced. These systems have a significant up-front cost, but over the long run save lots of expense over managing a key system.
9. High security: – For institutions that need the next level of security, there are brands like Medico, Assa Abloy MX, Schlage primis, etc… that add additional deterrents like bi-axel pins which are extremely hard to pick, hardened steel for drill resistance and Key control. Key control is where each key in the system is tracked and they can only be made by the locksmith that installed them. These tend to be very expense and are used by faculties that need extra protection like the healthcare, finance, high value manufacturing…
10. Door alarms: – We can install door alarms that will sound when someone opens the door. These are good for exit doors on a store to alert you if someone has gone out of an emergency exit. Facilities that house Alzheimer’s patients, doors and gates that go to pools to alert you if children have entered.


1. What steps can people take to protect their identity and their information from hackers and scammers when they are applying for a mortgage?
A. From what I have read and heard, there doesn’t seem to be a fool-proof way to bullet-proof your information. Most people know to double-check the web address on sites where you enter your private information. Make sure the web address starts with “https:” and not just “http.” The “s” in “https:” indicates the information is encrypted, making it harder for outside entities to snag it. The online loan application I use with Evolve Bank and Trust definitely starts with “https.” https://jogarner.evolve.mortgage
B. When I am getting loan application information over the telephone, I try to always remember to give my clients the option to give me part of the social security number over the phone and part of their information by email or text or even fax if they choose. By using more than one technical device to get the information to the loan office, not all the sensitive information is on one transmission.
C. More and more real estate offices and title companies are using a special E-Document signature system that requires that you create a password to get to see your real estate contract or some title work and loan documents.
D. My assistant, Susan Belew, and I make sure our clients review and initial each paragraph of our special “Do’s and Don’ts For A Smooth Mortgage Process.” The very last tip in big and bold and underlined warns “Do not for ANY reason wire ANY money to ANYONE without calling the number you already know belongs to the mortgage company and the title company handling your real estate closing.
Hackers and scammers have made millions of dollars within a short amount of time sending an official looking email to borrowers informing them the link to click to wire their closing funds. The practice is so wide-spread that many title companies inform their clients that they will not use email to deliver wiring instructions.
I have heard of people who have spent their adult life paying off the mortgage on their old home so they can use the equity to buy their new dream home. They get an official email right before closing informing them the night before the closing on a revised location to wire all the funds for their $100,000 for closing. Next day they show up to closing and the title company informs them they never received a wire. The scammers, unbeknownst to the home buyers had the wire sent offshore never to be seen again.
I know a young woman that had saved about $30,000 to use as a down payment on her new home. Right before closing she received an email from, what appeared to be her realtor. The email showed the actual name of this lady’s realtor and referenced the correct title company name and the correct day she was scheduled to close. The email informed her to wire her funds to this certain place. She asked her bank to wire the funds. Her banker called her to ask some questions about the number sequence. It was at that moment, this home buyer remembered the warning not to wire funds without cross checking with the mortgage and title company. She told the bank NOT to wire her funds. “I’ll be by to pick up a cashiers check instead,” she said. She came to the title company that day with copies of the emails the scammers had sent. They looked really convincing. So… here’s some advice…DON’T EVER FOR ANY REASON WIRE FUNDS UNTIL YOU HAVE CALLED THE VERFIED NUMBER OF YOUR MORTGAGE COMPANY AND TITLE COMPANY TO CONFIRM.

2. What are some steps people can take to protect their financial interests and their identity?
A. Adam Levin wrote Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves. In this book Mr. Levin describes in more detail how to recognize various types of scams and how to avoid them.
B. With major data breaches like the recent data compromise of over 143 million people at Equifax, one of the big three credit bureaus. If your data has been compromised through this incident or from any other sources, you can call Equifax or Experian or Transunion and get a credit alert put on your file to make it harder for someone to pretend to be you to rack up credit in your name. If your information was effected with the Equifax breach, Equifax will contact you by the US Postal Service. In more drastic cases you can put a full credit freeze on your credit account to prevent any from using it, but it can be cumbersome trying to get your credit unfrozen when you need your report accessible when you need it.
Here is the contact information for the three bureaus:
Equifax Information Services www.equifax.com PO BOX 740241 Atlanta, GA 30374-0241 (800) 685-1111
Experian www.experian.com/reportaccess 701 Experian Parkway PO BOX 2002Allen, TX 75013
(888) 397-3742
Transunion Consumer Relations www.transunion.com/myoptions 2 Baldwin Place PO BOX 1000
Chester, PA 19022 (800) 888-4213
C. Never give ANY of your personal information like social security number, birthday or account information. Don’t give it over the phone, on a social media site or anywhere you have not DOUBLE checked to be the correct company.
D. Don’t wire money without Double checking the correct destination.
E. If your identity is stolen or someone makes unauthorized charges on your accounts, file a police report immediately. If you don’t have a valid police report, you will have a VERY difficult time trying to convince people you don’t know that you are not the scammer and that your dilemma is real.
F. Take advantage of the opportunity you have to check your credit free once a year. www.annualcreditreport.com Check your children’s credit too. Scammers like to steal the credit of children because they can use it for years without getting caught.
G. Future advances in biometric identification hopefully will give consumers more protection. Biometric identification will use your unique retina scan to know you are who you say you are. Fingerprints and your heart beat rhythm can also be used to keep someone from impersonating you to use your credit.


1. Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT at Nova Copy Conference Center 7251 Appling Farms Parkway in Memphis. This Wednesday October 4th, 2017 Talk Shoppe presents: Memphis meteorologist (our weatherman) Ron Childers of WMC Action News Storm Tracking Center. Ron presents: “PREPARING FOR A DISASTER: HOW TO PACK AN EMERGENCY BACKPACK.”
2. Talk Shoppe events are free thanks to supporters like www.BackupRX.com Tim Gilliland keeps Talk Shoppe’s data files backed up and safe. He can help your business data safe too.

3. Thank you to Joe Rojas of Quality Title Pros in Memphis for sponsoring Real Estate Mortgage Shoppe today. For your real estate closings in TN and MS, call Joe at (901) 289-5821




“Wi-Fi went down for 5 minutes, so I had to talk to my family. They seem like nice people.”



1. Lee Ann Foster and Dr. Dale Foster www.MemphisNeuroFeedback.com (901) 624-0100 Train your brain to overcome: Anxiety, Depression, ADHD, Brain Injury, Pain, Memory Struggles without the use of prescription drugs.
2. Joe Rojas, Quality Title Group (901) 289-5821 Real Estate closings in TN and MS.
3. Dan Sater, Author of 20 Top Toxic Credit Mistakes

Transitional Music: Safety Dance by Men Without Hats;  Virus Alert by Weird Al Yankovic;
“Safe and Sound” by Capital Cities; “Memphis” by Johnny Rivers for Look Back Memphis Trivia Contest


(901) 231-4777 https://flyinglocksmiths.com/memphis-tn/


The Flying Locksmiths Inc, is an all-inclusive security provider. We encompass services ranging from antique locks and keys, all the way to card access systems, full door replacements, panic devices, door closers and fully integrated master key systems. We pride ourselves in our ability to provide incredibly fast service, while maintaining a friendly-family like atmosphere. We consider our company to be a blend of old school ideals, and new age technology, resulting in a mix that offers the latest and best tech with a friendly neighborly smile. If it’s on your door, we will service it. Regardless if it’s as old as the house itself or if you are looking for a fully loaded Card Access System, we have you covered.
We consider it vital that our customers are able to contact us at all times through any and all means of communication. You can reach us by e-mail 24/7, through our website by our contact page or through any social media platform you desire. Go ahead and schedule a job through Facebook or Twitter! We are here, when you need us, entirely at your convenience.
We even keep an updated blog with some of the newest products you may be interested in, with detailed information on pricing and installation.
We are family owned and operated since 1946. William McMenimon founded the company, and passed it down to his sons, many successful years later. With each generation, we have seen new growth in service range, and response time. But more importantly, we stayed true the value that have kept us in business for so long. Choose us for your security needs and you will not be disappointed!




www.JoGarner.com (901) 482 0354 jo@jogarner.com twitter @jogarner
Jo describes her job description: “As a mortgage loan officer, my job is to give my client the benefits they want from their financing terms– listening to my client and determine what’s of the most value to THEM– What is their comfort level on a house payment, how much are they comfortable paying down, what type of financing do they need to get the house they want to buy or refinance. Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income. Whatever their personal priorities are, my job is to put together a mortgage with comfortable terms that will help them achieve their goals.”
Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.
Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing.
Jo Garner has been in the real estate/financing business for over 20 years.  She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine  and was personally mentored in San Diego, California  by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge.
On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate.  In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 20 years.  Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.
In addition to her work in the mortgage field, Jo Garner  is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com She was also the editor of Power Shoppe, a free weekly e-zine designed for real estate professionals and others indirectly connected to the real estate industry and currently publishes on her blog www.JoGarner.com