The TCOTM crew talks a bit of financing in this episode as Joel talks about changes in interest rates and new fees on second home mortgages. In the third segment, the discussion turns to what to do for fun in the coldest part of the winter. The St Paul Winter Carnival? The Ice Skating Trail in Warroad? A Wild or Timberwolves game? Listen to what the TCOTM gang suggests.

Justin Scheeler and Paul St Andrew are licensed real estate agents in the state of Minnesota with RE/MAX Results. Paul St Andrew can be found online at minnesotahomesales.com. Justin Scheeler can be found online at justinscheeler.com.

Joel Benson is a mortgage consultant with Cardinal Financial Company, Limited Partnership (NMLS 66247) which is an Equal Housing Opportunity lender and is not affiliated with RE/MAX Results. Joel Benson's NMLS ID is 1064642. Cardinal Financial can be found online at cardinalfinancial.com.

Sponsors:

My Insurance Warehouse. Reach them at (612) 354-2040 or myinsurancewarewhouse.com.

Tiny Huynh-Chandee with Country Financial. Reach her at 651-846-8163.