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A Short-Term Loan Can Help When You’ve Lost Income Due to Illness

A Short-Term Loan Can Help When You've Lost Income Due to Illness

In Memphis, the average worker can expect to have about two weeks of vacation time annually if he or she has been with the company for longer than a year. When you are just starting a new job, however, the number of paid days off you can take are few and far between. Eventually you can build up your leave as long as nothing catastrophic happens. Paid leave is billed as paid leave, and that includes fun days like vacation and holidays as well as sick days. Vacations we can plan, but illness is always unexpected.

We all know we're going to get hit with something at some point during the year. There's always the chance that the common cold, influenza, migraines, an injured back, or food poisoning will knock us off our feet for a few days. There are also the routine appointments we keep to try to stay on top of our health, such as a root canal, a biopsy, or a PET scan, which can take us away from the office for a day. If you have a particularly bad health year, you could be out of paid leave before you realize you really need it.

While the above afflictions are considered pretty routine, it's the surprises that can wipe out our leave. If you ripped your meniscus playing softball, you could be out for at least a week. Depending on the diagnosis, a chronic illness could require several weeks, perhaps even months, to treat. Perhaps you've had a baby and need to take maternity or paternity leave. In cases like this, most employers will grant you leave without pay, meaning they will hold your job for you while you recover, but once you've run out of your allotted leave time, the paychecks stop until your return.

Job security is a comfort, for sure, but at a certain point, that doesn't do much for paying the mortgage and your other regular bills, not to mention your newly incurred medical fees. In some situations, being forced to take leave without pay can be more costly than a trip in an ambulance. If you don't have much in savings at the moment you become sick, you may need to look for other means of cash flow while on the mend. A short-term loan in Memphis is one alternative for getting your bills paid on time while recouping off the clock.

A short-term loan in Memphis allows you to leverage your lien-free vehicle for quick cash. If you bring your working car, its lien-free title, and a photo ID to Mid-South Title Loans, you could receive a cash loan ranging from $150 to $2,500 based on your vehicle's value. You also get to keep your keys and drive your car uninterrupted while you repay the loan.

If you are strapped for cash during an illness, Mid-South Title Loans is here to nurse your budget. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a short-term loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.

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Searching for a “Title Loan Near Me” When the Family Pet Needs Medical Help?

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Our pets aren't just our best friends; they are family. As with other family, we'd do almost anything to keep them safe and happy. That is, we'll do as much as we can afford to. No one likes to think of our loved ones in terms of dollar signs, but when it comes to situations like veterinary bills, it can't be helped.

According to research by AVMA, 36% of U.S. households have at least one dog, and 30% own at least two cats. The study also found that about two to three veterinary visits each year are required to keep dogs healthy and that cats need one or two a year. Pet health insurance is even more difficult to obtain than human health insurance, so it's likely that most households will have to shell out anywhere between $90 to $375 on each routine vet visit.

Because these routine vet visits can be planned, it is easy to calculate those fees into our monthly budgets. It is the unexpected visits that we rarely are prepared for, and these large bills often catch us off guard. In the case of an emergency, you could see a clinic fee that's very well double or triple the price of a routine visit. For example, if your curious cat decides to eat your daughter's plastic hair ties or your dog gets a chunk of his favorite fetching stick stuck in his throat, the surgeries could easily cost you thousands.

Just like us, our pets require extra attention as they age. You can expect to see hip dysplasia in aging dogs, and all pets are as susceptible to glaucoma and diabetes as we are. Procedures and medications for these conditions will also cost several thousand dollars. As expensive as our pets' health might become, their continued companionship is priceless, and we will usually do whatever it takes to keep them healthy without question. However, when it comes to cost, sometimes the money just isn't readily available when we (and our pets) most need it.

When you're hit with a huge pet bill, one option is to see if your vet offers payment plans. If they don't, then you should pull your phone out, open up your Google app, and search for a "title loan near me." You will find that a title loan in Memphis is a quick alternative to finding the cash you need to keep Snuffles well and your family intact.

By Googling a "title loan near me," you will learn that there are no credit checks or waiting periods for title loans in Memphis. A title loan in the greater Memphis area allows you to leverage the value of your vehicle against a loan ranging anywhere from $150 to $2,500. The only requirements are your lien-free car title and a photo ID. If you bring those in to Mid-South Title Loans, you'll be out of the office with cash in hand, and your car keys, in 20 minutes or less.

Don't let an unexpected veterinary bill make you choose between your wallet and your pet. A title loan from Mid-South Title Loans can help you get the cash you need so your dog or cat can get the treatment they need to stay healthy and happy. Come on by any of our three convenient Mid-South Title Loans locations in Memphis today!

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A Tennessee Title Loan May Help Cover Out-of-Town Business Trip Expenses

A Tennessee Title Loan May Help Cover Out-of-Town Business Trip Expenses

There aren't a lot of things that can break up the monotony of our day jobs. Sure, we can take a walk to the soda machine for ten minutes or so, maybe meet up with friends for a long lunch, but for the most part we are locked into our tasks for at least forty hours each week. There is one thing, however, that can save us from this daily grind—an out-of-town business trip.

While, yes, it is typically still work, the business trip is one of those few golden opportunities to mix business with pleasure. Of course, some restrictions will apply, as you will be representing your company. If you are presenting at a trade show, sealing the deal on a contract, conducting market research to find new opportunities for your company, or training new recruits, you won't want to 100% cut loose. Even so, a break is a break, and a trip anywhere outside of the office is basically a paid vacation, right?

Wrong. While you may be excited to escape the desk for a few days, there may be a few unexpected expenses, even if your employer is footing the travel bill. First, let's recognize what your savings are, thanks to that. According to a study from Certify, companies pay on average $949 for domestic travel and $2,600 for international travel per employee on a business trip. This includes at least air fare, rentals, and lodging. It doesn't always include meals or easily overlooked expenses that can add up quickly. For example, a traveling employee can expect to pay $182 in vehicle expenses, either to rent a car or to cover wear and tear on a personal car.

Personal expenses caused by the trip can be sizable as well. You will need to look your best, so your finest suits will need to be dry cleaned, and you will have to pay for a house sitter or caregiver to mind the nest while you are gone. All of this can add up to several hundred bucks.

It isn't unreasonable to expect your employer to cover most of these expenses, but companies have tightened up on what can be charged to their corporate credit cards. It's best to ask your boss ahead of time what can be expected to be covered. Even if your boss does promise to reimburse you for all expenses, you had better make sure you have a filing system in place for saving your receipts, or you may find yourself covering the entire bill!

Likewise, you need to account for a delay from the time you file your paperwork and when you receive actual cash repayment. It can take anywhere from two weeks to a month for your travel stipend to go through payroll. Depending on what time of month that falls in, that reimbursement could make or break your budgetary needs like rent, groceries, or credit card payments.

There's no need to wait it out, though. A Tennessee title loan in Memphis can give you the quick cash you need to buffer your professional preparations and insure you get some pleasure out of your business trip. A Tennessee title loan from Mid-South Title Loans in Memphis ranges from $150 to $2,500 based on the value of your vehicle. Tennessee title loans in Memphis require no credit check, just a lien-free car title and a photo ID.

We have three convenient locations throughout the Memphis metro to serve our customers:1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a Tennessee title loan, all you have to do is fill out our convenient Title Loans Online Info Sheet or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.

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Working Parents Can Get Help from Car Title Loans in Memphis with Escalating School and Activity Fees

Working Parents Can Get Help from Car Title Loans in Memphis with Escalating School and Activity Fee

There is nothing more rewarding in life than parenthood. There is also nothing more costly. It's never pleasant to think about how expensive raising kids can be, but acknowledging and staying ahead of your child's costs is vital to good parenting. But sometimes there are circumstances out of your control, and a surprise bill can come at an inconvenient time.

For the most part, your child's development can be integrated into your family's monthly and yearly budgets. We all know that when a child starts his or her first day of school, a list of new expensive needs is included with the homework. There are textbooks, school supplies, calculators, new clothes, and in some cases, iPads or computers. You'll need to buy most of this before the end of summer. You know, right when you've gotten back from your big family vacation to discover the fridge died while you were gone. Suddenly, the $669 the National Retail Federation suggests parents budget per child for back-to-school supplies might seem like the last straw.

Throughout the semesters, your child will want to participate in after-school activities such as sports, music lessons, and extracurricular clubs. These interests could have a great payoff in the long run if they lead to a college scholarship. They also guarantee that your child will stay active, socialized, and stimulated. Even so, it'll be hard to ignore the average $739 that the Backpack Index estimates these activities will add to your annual school supplies bill.

In addition to school, there will be many rites of passage for your child that won't come free. You might need to pay for braces, tutoring, or a weekly allowance. Alongside other household expenses, your child's school and activity expenses can be a lot to juggle. At some point a ball may drop when an unexpected (or overlooked) bill comes due for the further enrichment of your child. Fortunately for parents in the Memphis area, car title loans are available as a handy buffer to make sure your budget meets all of your family's needs.

Car title loans in Memphis are a great way to obtain fast cash. You leverage the value of your drivable and lien-free vehicle against the title loan while keeping the use of your car during repayment. There are no credit checks or waiting periods. At Mid-South Title Loans, you can receive a car title loan ranging from $150 to $2,500. All you need to qualify for a car title loan in Memphis is a lien-free car title and a photo ID. If you bring those items to Mid-South Title Loans, you'll be in and out with cash in hand in under twenty minutes.

Parenting is occasionally a thankless job. That doesn't mean you have to be penniless, too. A car title loan from Mid-South Title Loans in Memphis can get you the quick cash you need to keep your child's future on track. Stop in to any of our three convenient Mid-South Title Loans locations today!

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A Bad Credit Title Loan in Memphis May Be a Solution to Unexpected Cash Problems

A Bad Credit Title Loan in Memphis May Be a Solution to Unexpected Cash Problems

It always happens when you aren't paying attention. It's when you have a million errands to run, people coming into town, or just several bills due all at once. You write checks, visit ATMS, and swipe your debit card countless times. Once you've taken care of it all and start patting yourself on the back for adulting so well, however, the bank notices come. You have an overdraft fee, and another, and another….

Almost every transaction you've made that day comes with a fee, and it does add up fast! On average, the nation's larger banks change $35 to $38 for each transaction that overdraws your account. These fees are accrued for all kinds of transactions, be they paper or electronic checks, auto-bill payments, ATM withdrawals, and debit card purchases.

Those last two are the worst in terms racking up fees, and 83 percent of US major banks permit ATM and debit transactional overdrafts. It can also be compounded if your account is shared with your spouse. With two people withdrawing funds, overdraft fees could double. The crisis can get even worse as some banks institute a repayment deadline—a window of anywhere between a few days to a month—and if you can't make it, you incur an additional "extended overdraft fee" that, on average, adds another $69 to the bill.

It's a terrible Catch-22 because if there wasn't enough money in the bank to cover your expenses, how can you be expected to cover the overdraft fees? In some instances, we are talking hundreds of dollars in the red. While you try to figure that out, you still have your day-to-day needs like gas, groceries, and prescription refills that could potentially expose you to even more fees until you can pay it all off. But if you are in between paydays, where will the money come from?

One resource could be with a bad credit title loan in Memphis. Not only is it fast and easy, but you can have the needed cash in hand within 20 minutes or less. The way a title loans works is that you leverage the value of your owned vehicle against the amount loaned. A bad credit title loan in Memphis from Mid-South Title Loans ranges from $150 to $2,500. All you need to qualify is your vehicle, its lien-free title, and a photo ID. Just bring these items by one of our three offices, and after we assess your car's value while you do some speedy paperwork, you get to leave not only with cash in hand, but also with your car keys.

Don't let overdraft fees threaten the balance of your budget. Grab your lien-free title and come on by Mid-South Title Loans! We have three convenient locations throughout the Memphis metro to serve you: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a bad credit title loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.

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Are You Searching for a “Title Loan Near Me” to Help Consolidate Some Bills?

Are You Searching for a Title Loan Near Me to Help Consolidate Some Bills?

Do you diligently pay toward your student loans, mortgage, credit cards, and other bills every month while feeling like the overall outstanding balance barely budges? There is a good reason for that. Every debt you owe also accrues interest, and if you are spreading your wallet out among several payments that just barely meet the minimum, the interest still continues to bump all of those balances up.

A great way to get over that hump is with bills consolidation. By taking out one big loan to pay off all of what is owed to the various lending institutions, you can start repaying that loan (and all your debts) in a single monthly payment. This is especially handy for when you have several major loans, like school loans, that you continue to chip away at without being able to fully pay them off. You also get a better interest rate that helps with savings down the road.

Even if you are now paying your bills down in one monthly chunk, the path to becoming completely debt-free can still be a long one. It especially feels like this when you start to see the light at the end of the tunnel. That is when those last few thousand dollars seem to have slowed the repayment schedule down. It can also feel like this with just regular credit card debt, or when that entertainment system you financed with zero interest a year back finally comes due with deferred interest doubling the amount owed. All of these things can make you feel like the hole is growing deeper every time you try to dig yourself out.

There is no need to despair! Just as bills consolidation is an excellent fix for handling large debt, title loans are wonderful for quashing smaller (but still significant) debts. A quick Google search for "title loan near me" shows that a car title loan is an easy way to get quick cash in Memphis. All you need is your drivable vehicle, its lien-free title, and a photo ID. Your vehicle's value is leveraged against the loan. With Mid-South Title Loans, that amount ranges from $150-$2500 in the greater Memphis area. There are no credit checks or waiting periods—in fact, you'll get approval within 20 minutes!

While of course a title loan is still a loan, it is a fast and efficient way to knock out lingering small debt. Whether you're making the last few payments toward a bills consolidation, dealing with a maxed-out credit card, or avoiding deferred interest on a financed item, a title loan can easily cover these remaining payments. Moreover, not only can it end the repayment cycle with accruing interest, but it can also improve your debt-to-credit ratio and credit score.

If you have an immediate need to rid yourself of debt, consider seeking help from a Memphis title loan company near you such as Mid-South Title Loans. The process is fast, easy, and hassle-free, so stop by any of our three convenient Mid-South Title Loans locations in Memphis today and be back on the road and ever closer to becoming debt free within minutes!

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A Short-Term Loan in Memphis to Help Cover Mandatory Expenses

A Short-Term Loan in Memphis to Help Cover Mandatory Expenses

Short-term loans are a great way to provide a buffer for extra monthly expenses like birthday gifts, food for entertaining, and last-minute weekend trips. They can also come in handy during a crisis, footing unexpected bills for emergency room visits, auto repairs, and household appliance replacements. But what about those mandatory expenses that, no matter what, have to be paid or else?

Mandatory expenses are the bills of your life. They include payments toward keeping your house in order, like the mortgage, property taxes, home insurance, HOA dues, and the utilities that keep you warm in the winter and cool during the summer. They also include quality of life for you and your loved ones: think childcare costs, school tuition, health insurance, and prescriptions. These aren't bills you can cut back on, like gas or grocery costs, and neither can you place then on a layaway back burner like you can when you need a new dishwasher. Mandatory expenses mean they have to be paid when due, or you and your family have to hit the curb.

There are all sorts of dire consequences you could face if your mandatory expenses go unpaid. You and your family could become ill from missed medications. The bank could foreclose and evict you from your home. The heat could be shut off in the middle of December. You could miss work due to having your child at home. You could carry even more financial burden if the IRS garnishes your wages to repay outstanding taxes.

All of this can be prevented, however, if you pay those mandatory bills on time. Since these important bills are regular, when and what you pay can be planned. Even so, sometimes money is tight and when it is time to pay, the funds may be lacking. Which brings us back to our earlier question: are short-term loans good for covering mandatory expenses? Absolutely!

Short-term loans in Memphis are one of the best ways to find cash fast. No credit check is required, and there is no waiting period. All you need for Memphis short-term loans is your drivable vehicle, its lien-free title, and a photo ID. Just bring all of that into one of our Mid-South Title Loans offices, and after some quick paperwork, you'll be back on the road with cash in hand within 20 minutes.

Short-term loans from Mid-South Title Loans range from $150 to $2,500 based on the value of your vehicle. That is a tidy enough sum to help you cover any mandatory expenses that may have caught you off guard or gone up in rate. If you need to settle a bill fast, Mid-South Title Loans has three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a short-term loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.

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How to Kickstart Your Home-Based Business with Car Title Loans in Memphis

How to Kickstart Your Home-Based Business with Car Title Loans in Memphis

Life is expensive. Even with a household budget comprised of two monthly incomes, the demands of our modern lifestyle deplete our funds as soon as they are deposited into the bank. This is why most households have begun to embrace the entrepreneurial spirit and run a home-based side business.

Thanks to the Internet and home computing advances, the potential for having your own start-up has never been greater. If you have ever had an artistic streak, you can venture into freelance design or sell your artwork on Etsy. Are your strengths based in something more practical? You could capitalize on tax season as an accountant, pick up a few bucks as a notary, or offer your services as a fitness instructor or a consultant. Maybe you are at home caring for a little one. You could open your doors to a few other kiddos at your own childcare service, offer tutoring for the older kids, or put that heirloom piano to use by giving music lessons.

With a little bit of imagination, the possibilities for a side gig are endless. That's why the U. S. has seen a start-up boom within 38 million households reporting over $427 billion in annual revenue. Broken down to individual businesses, the average expected income is about $44,000, but the top 20 percent have been known to annually bring in $100,000 to $500,000.

One major reason behind the success of home-based business is that they require minimum overhead. 44 percent of home-based start-ups reported beginning their ventures on as little as $5,000. This includes necessary purchases such as a new computer and software, state business registration, contracting services from attorneys and accountants, and other equipment and goods needed to conduct day-to-day transactions. That may seem like a lot, but it's not bad compared to the $30,000 it takes to launch a traditional brick-and-mortar enterprise.

Even so, $5,000 isn't something to laugh at. If you are commencing at-home commerce, more than likely it's because you need to make more money rather than spend it. That's okay, though, because in the end, not only have you invested in a solid foundation that will support the growth of your business, but also you get a pretty sweet tax break from having an office in your home.

To gather start-up capital, many entrepreneurs secure financing or loans to jumpstart the process of setting up shop. The traditional route is with banks, or even by taking out a business credit card, but this route could create some barriers if you are still building your credit. One quick workaround is applying for car title loans in Memphis.

Car title loans in Memphis allow you to leverage your vehicle with no credit checks or waiting periods. All that is required is a drivable vehicle, its lien-free title, and a photo ID. If you bring those in to a Mid-South Title Loans office, you can receive a cash loan of anywhere from $150 to $2,500, based on your vehicle's value.

If you are ready to start generating side income with a home-based business, don't let a lack of cash hold you back. A car title loan in Memphis from Mid-South Title Loans can give you your start-up capital fast and hassle-free. Stop into any of our three convenient Mid-South Title Loans locations in Memphis today!

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When the Home Needs Emergency Repair, Tennessee Title Loans Offer Help!

When the Home Needs Emergency Repair, Tennessee Title Loans Offer Help!

Owning a home can feel like an epic journey sometimes, and home repair is its hydra. When one problem is solved, two more occur in its place. If you don't take care of everything immediately, soon you are a prisoner in your own home being tormented by leaking roofs, stinking, warm fridges, and a sewage-seeping yard. This isn't because the home itself is monstrous, but just not fully understood. A house is made up of hundreds of little parts that all need TLC and eventually some form of maintenance.

It is as susceptible to the elements inside as outside. A random hail storm can damage so many shingles on your roof that an entire replacement may be needed. Years of sun exposure may have faded and chipped its paint. Pests can infiltrate the infrastructure and wreak havoc on your electrical system. Inside, almost anything can go wrong: windows shatter, doors need new hinges, dish washers clog, as do toilets, and refrigerators' timers time out while dryers burn out.

If you are handy, many of these small things can be taken care of as soon as they arise and with minimum costs. But those who have never used a screwdriver, or just lack the time, have to dig in pretty deep into their pockets for these repairs. This is one major reason issues pile up— homeowners have a tendency to procrastinate until the next paycheck, and then the next.

While everyone realizes that owning a home is costly, many homeowners still don't set aside money for repairs and upkeep. Financial advisors recommend that to stave off the sticker shock of home maintenance, annually putting aside 1 percent of your home's overall cost is ideal. If your home cost $250,000, for example, then $2,500 should be delegated to its upkeep. This should be more than enough to handle the more routine problems that arise with time and age like new appliances or plumbing repairs. It can also go into yearly improvements. Maybe you've wanted to upgrade your backyard patio, or build a fence to ensure the safety of a new puppy? Or, in areas prone to natural disasters, it is a nice buffer against tree services, utility repairs, and water well restorations. In any scenario, rarely are these events expected, so even with a house repair budget, something could arise where some quick, extra cash is needed. Luckily, help is available with Tennessee title loans.

A title loan is one of the best ways to get cash in hand when you need it. There are no credit checks or waiting periods, and all that is required is a drivable vehicle, its lien-free title, and a photo ID. Based on the value of your vehicle, Tennessee title loans range from $150-$2,500, and you get to keep the use of your car while you repay the loan!

Don't let your home repairs defeat you or your wallet! Come on by Mid-South Title Loans and get the quick cash you need to keep your house in order. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a Tennessee title loan, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.

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Why Title Loans with Liens Aren’t Typically Available in Memphis

Why Title Loans with Liens Aren't Typically Available in Memphis

When it comes to juggling finances, there just aren't a lot of quick, short-term options out there. However, there is one fast and easy option that requires no credit checks or waiting periods: the title loan. Also known as a car title loan, it is one of the most valuable and easiest options, but perhaps least well known and understood.

Car title loans leverage a vehicle's value against the loan. The amount received ranges depending on location, but in Memphis, the range is from $150 to $2,500 (again, depending on the car, truck, or SUV's worth). It's a reasonable range that can come in handy for patching up the monthly budget to help handle any financial difficulties that may arise.

To be eligible for a title loan, the applicant must be at least 18 years old and have a drivable vehicle with a lien-free car title and a photo ID. The lien-free title is especially important, and means that the vehicle is owned by—and in the name of—the person receiving the title loan. The owner is not making payments on the vehicle to any other lenders, and has paid in full for it.

While it may seem obvious, some borrowers don't comprehend why it is important for lenders to require lien-free titles. If any other lending institution like a bank or credit card company can make claim to a vehicle, then that means they have a lien on it. To still have a lien on a vehicle indicates that it has been financed (and therefore is owned) by another financial institution, and is still being repaid. In other words, having a lien on the car's title means that the only parts of it owned are the parts that have been paid off.

This is exactly why lenders don't issue title loans with liens on the vehicle. If the borrower doesn't own all of their car, they have no collateral and therefore nothing to leverage the loan's value against. While the borrower repays the loan and can continue to use the car, the lender holds on to the title. If a car title loan borrower never repays the loan, then the lender keeps the title as final repayment. The lender cannot do this with title loans with liens because there are other lending institutions already awaiting repayment on the vehicle. The lending institution isn't applying for the loan; the borrower is, and this is why the borrower needs to be the sole owner of the leveraging vehicle and no one else.

While lenders will not issue title loans with liens because of the reasons above, borrowers who do own their vehicle in full need not worry. If you need quick cash in Memphis, and you own a lien-free vehicle, a title loan from Mid-South Title Loans can get you cash when you need it. Just bring your car and lien-free title by any of our three convenient Mid-South Title Loans locations in Memphis today!

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OUR LOCATIONS

1680 Winchester Rd
Memphis, TN 38116
Phone: (901) 346-1040

4965 Summer Ave.
Memphis, TN 38122
Phone: (901) 821-9211

2798 S. Perkins Rd.
Memphis, TN 38118
Phone: (901) 794-5460