1st south financial - Branch addresses, phone numbers, and hours of operation for First South Financial Credit Union in Bartlett, TN. First South Financial Credit Union Bartlett TN 6471 Stage Road 38134 901-380-7540. First South Financial Credit Union. Branch Locations ; Routing Numbers ; First South Financial Credit Union near Bartlett .

 
Prime + 0.00%^. 81% to 90% LTV. up to 20 years/12 year draw period. Prime + 2.00%^. *Offers valid until 06/30/24. After the 6-month introductory period, the APR will revert to Prime, as listed in the Wall Street Journal, plus a margin of up to 2.00%. Maximum LTV is 90% and maximum APR is 18.00%. Excludes existing FSF HELOCs.. Turkish language translator

Credit Unions are member-owned not-for-profit financial cooperatives that exist to serve their members. They can offer you many of the same products and services as a bank, but there are some key differences. The chart below explains how banking with a credit union can offer you distinct advantages.FIRST SOUTH FINANCIAL CREDIT UNION. Total Revenue. $37,759,027. Total Expenses. $25,628,143. Net Assets. $169,220,691. Organizations Filed Purposes: FIRST SOUTH FINANCIAL IS A STATE CHARTERED CREDIT UNION AND CO-OPERATIVE THAT PROMOTES THRIFT, SAVINGS, AND LOANS TO ITS MEMBERS. MEMBERS ARE …FIRST SOUTH FINANCIAL CREDIT UNION ATOKA/MUNFORD BRANCH. FIRST SOUTH FINANCIAL CREDIT UNION has 16 different branch locations. The ATOKA/MUNFORD BRANCH is located in ATOKA, TN at 11624 Highway 51 S. See location on map below. For additional information, such as hours of operation, please call (901) 837-3773.A First South Financial gift card is the perfect solution for any gift-giving dilemma you may face. Just pop in, pick it up, and you're good to go! For more information just stop by any of our First South Financial banking centers or call 901-380-7400 today! If you have additional questions, please check out our handy FAQ page.We'll beat your bank's rate. First South has the best rates in town. Guaranteed. If you find a local bank or credit union with a better rate, we'll beat it!*. Apply for a Mortgage CDs: Open An Account. To find out more about our great rates, please call us today at 901-380-7400 or stop by any one of our banking centers.It will provide many of the additional features you've been asking for, such as: Card controls and alerts - lock or unlock your card, enable alerts for transactions, spending limits and more. External transfers - transfer funds to or from accounts you have with other financial institutions. Credit Cards and Mortgages - access your recent ...First South Credit Union St. Josephs Office, Stream Hill, Dillons Cross, Cork, Ireland T23 HR96 Ballinlough Office Ballintemple, Cork, T12 X407, Ireland T12 X407First South Financial is a full service mortgage lender offering many loans with no points or origination fees. Contact us today to learn more. Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on ...Digital Services - First South Financial. Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or ...Be the first one to share your experience. First South Financial CU Branch Location at 1575 N Germantown Pkwy, Cordova, TN 38016 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. All Loans. First South Financial is a full service lender with competitive rates and fast, friendly service! Since 1957 we've been helping folks just like you make their financial dreams come true! If you have any questions about our loan products, feel free to give us a call at 901-380-7400 or stop by any of our banking centers. Kalutara South. Tel – 034-2223124 /2223032 Fax – 2221269 /034-2221282 Email:[email protected]. Stamp Office Deputy Commissioner Mrs. S. N. B. Rosa ...Home › First State Bank of the Southeast. Bank On Local. Bank On More. Experience banking with a personal touch. With our dedicated customer service team, you will receive a personalized experience with a knowledgeable banking expert. Call us at 1-800-248-5950.OTHER BUSINESS SERVICES. Investment/401 (k) services, HSA (health savings accounts) Options , Certificates of Deposit, High Volume Check Deposits, High Volume Cash Handling and More. Learn more. Learn more about our …It will provide many of the additional features you've been asking for, such as: Card controls and alerts - lock or unlock your card, enable alerts for transactions, spending limits and more. External transfers - transfer funds to or from accounts you have with other financial institutions. Credit Cards and Mortgages - access your recent ...Requires an increase in total deposit balances of $25,000 (including checking, savings, and CDs with same ownership) with First Financial. Offer ends June 1, 2024. For personal accounts, special rate is secured by maintaining minimum daily collected balance of $25,000 in Money Market account.Orient Finance is the one best finance company in Sri Lanka that offers a range of financial solutions for personal or business needs. Whether you want to lease a car, a commercial vehicle or an electric vehicle, you can …Kalutara South. Tel – 034-2223124 /2223032 Fax – 2221269 /034-2221282 Email:[email protected]. Stamp Office Deputy Commissioner Mrs. S. N. B. Rosa ... Tiger Scholarship. This $1,000 non-needs based scholarship can be used for tuition or books. One scholarship is awarded each year to an undergraduate student currently attending or planning to attend the University of Memphis. First South Financial Credit Union Reviews. October 17, 2023Charles H. Do yourself a favor and stay away from this bank!!! This is the worst bank you can do business with. They will charge you bogus fees and make excuses to do so. If you want to contact them to discuss, they will not answer the phone. Go ahead read all the reviews on here.First - One of America’s Best Banks in IL, IN, KY and TN - First Financial Bank. Need help? 800-511-0045.First South Financial Credit Union in Cordova, reviews by real people. Yelp is a fun and easy way to find, recommend and talk about what’s great and not so great in Cordova and beyond. We also offer Bill Pay, a secure platform that allows you to pay an unlimited number of bills for just $5.95 per month*. If you have additional questions or need more information, please contact us at 901.380.7400 or at [email protected]. *Fee waived for certain members. Please see us for complete details. Our digital banking platform gives ... How to Use Mobile Deposit. How to Make a Loan Payment. How to Place a Stop Payment On a Check. How to Enable Push Authentication. How to Enable Quick Balance Widget - iOS. How to Enable Quick Balance Widget - Android. These handy How-To Guides will help you take advantage of all the features and benefits digital banking has to offer. Find your nearest First South Financial CU branch with ease. Whether you're in the city or the suburbs, First South Financial has conveniently located branches ready to serve you. Experience first-hand the personalized banking services offered. Extensive network of 16 branches. 16 ATMs available for quick cash withdrawal and deposits. South Africa's newest millionaire says his PowerBall Plus winnings means he and his wife can travel abroad to see their daughter, after years apart due to financial …5 days ago · 0.80% APY. 0.90% APY. 1.00% APY. 1.10% APY. APY = Annual Percentage Yield. All rates subject to change without notice. Call 901.380.7400 for current rate information. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest. Digital Services - First South Financial. Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or ... Write to the Direct Marketing Association's Mail Preference Service, P.O.. Box 9008, Farmingdale NY 11753-9008. Include your name, address and phone number with your request to be taken off mass mailing lists. You may also call 1.888.567.8688 to have your name taken off prescreened lists from the major credit bureaus. For over 67 years, First South Financial CU has been a trusted financial partner, boasting a network of 16 branches and 16 ATMs across the country. As the 11 th largest credit union in Tennessee First South Financial Credit Union stewards over $755.95 Million in assets and proudly serves over 73,000 loyal members. Now let's take a look at John's account balance when the pending transactions are included: Beginning Account Balance: $500.00. ATM Withdrawal: -$100.00. Pending - Grocery Store -$ 50.00. Pending - Gas Station -$ 25.00. Available Balance: $325.00. Based on John's available balance at this time, any payment that attempts to clear his account ...For over 67 years, First South Financial CU has been a trusted financial partner, boasting a network of 16 branches and 16 ATMs across the country. As the 11 th largest credit union in Tennessee First South Financial Credit Union stewards over $755.95 Million in assets and proudly serves over 73,000 loyal members.First South Credit Union is a community based cooperative that has been providing first rate financial services to the people of our community for sixty years. We have five Branches located in Ballyphehane, Kinsale, South Mall , Dillon’s Cross and Ballinlough. Our Administration Office is located in Turners Cross.Step 1. Contact one of our First South locations and connect with a loan officer. Step 2. Explain your goals and dreams so First South can help you find the best option for financing. Step 3. Apply for financing with our easy application process. Step 4. Start living your best life on your own slice of rural freedom. Your loan and payment information can be found inside online or mobile banking. If you have questions regarding how to make your loan payments, please feel free to call us at 901-380-7401 or email us at [email protected]. *There is a fee for check by phone or payment by card. Please see us for complete details. First South Financial offers ... Our Fresh Start Credit Card* is not a secured card nor is a co-signer or co-borrower with good credit required. The card automatically comes with a $250 credit limit which allows you a chance to have access to credit without getting in over your head. Your timely payments are reported to the credit bureaus which helps to build or rebuild your ...Direct: 731-394-8961. Serving the Greater Dyersburg/Jackson area. Virginia Ellison. Mortgage Loan Officer. NMLS# 165901. [email protected]. Direct: 901- 569-5449. First South Financial's mortgage application is simple and easy! Plus check out our great calculators and mortgage lending team!Make payments to any kind of First South Financial loan (auto, mortgage, credit card, etc.) Access Bill Pay. View transaction history. View pending holds. Mobile locator function. Mobile deposit. Users will be able to customize their settings for the amount of history that is initially downloaded and how much additional history to download. 4.Let your money work harder for you by opening a Certificate (CD) or Traditional IRA with First South Financial, one of the strongest financial institutions in the nation. You can open your Certificate (CD) or IRA by calling us at 901.380.7400 or by visiting any banking center. And if you don't already bank with us, you can start a relationship ... Contact First South Financial CU in Collierville. Location: Byhalia Road Branch. Address: First South Financial CU Byhalia Road Branch 369 S Byhalia Road Collierville, TN 38017 ( Map) Phone Number: (901) 380-7400. Toll-Free: Reports suggest US has discussed sanctions on some Chinese banks over their trade with Russia, but analysts say moves to remove China from the Swift interbank …Who is First South Financial Credit Union. First South Financial Credit Union is a company that operates in the Financial Services industry. It employs 101-250 people and has $10M-$25M of re venue. The company is headquartered in Bartlett, Tennessee. Read more. First South Financial Credit Union's Social MediaYour loan and payment information can be found inside online or mobile banking. If you have questions regarding how to make your loan payments, please feel free to call us at 901-380-7401 or email us at [email protected]. *There is a fee for check by phone or payment by card. Please see us for complete details. First South Financial offers ...First South Financial $75 Direct Deposit Bonus. Get a $75 bonus when your qualifying direct deposit posts to your First South account! Must be the full amount of your net pay or benefits and most post by 07/31/24. $75 will be paid 3 to 4 business days after the direct deposit posts.5 days ago · 0.80% APY. 0.90% APY. 1.00% APY. 1.10% APY. APY = Annual Percentage Yield. All rates subject to change without notice. Call 901.380.7400 for current rate information. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest. SDF is also one of the oldest microfinance institutions in Sri Lanka and SDF is the first formal financial institution to channel the private sector investments into low and mid …Enjoy millions of the latest Android apps, games, music, movies, TV, books, magazines & more. Anytime, anywhere, across your devices.First South Financial will not ask you for passwords or account details via e-mail. Even if you think the e-mail may be legitimate, DO NOT RESPOND — contact First South Financial by phone or by e-mail. It is wise to be wary of files attached to e-mails, even if the e-mail appears to be from a trusted source. ...First South Financial Credit Union operates as a financial cooperative. The Union provides financial solutions such as saving and checking accounts, loans, investment, credit and debit cards ...Reports suggest US has discussed sanctions on some Chinese banks over their trade with Russia, but analysts say moves to remove China from the Swift interbank …Requires an increase in total deposit balances of $25,000 (including checking, savings, and CDs with same ownership) with First Financial. Offer ends June 1, 2024. For personal accounts, special rate is secured by maintaining minimum daily collected balance of $25,000 in Money Market account.Find local businesses, view maps and get driving directions in Google Maps. Contact First South Financial CU in Collierville. Location: Byhalia Road Branch. Address: First South Financial CU Byhalia Road Branch 369 S Byhalia Road Collierville, TN 38017 ( Map) Phone Number: (901) 380-7400. Toll-Free: Please contact our call center at 901-380-7400 between the hours of 7 am and 6 pm Monday - Friday, or visit any of our banking centers during their normal business hours. If you are logged into digital banking, you can also send us a secure message. Q. I've never used First South Financial's digital banking before.Norfolk Southern confirmed the $53 million, or 23 cents per share, that it earned in the first quarter. Without the settlement and some other one-time costs, the …Our Student Choice site has FAQs, Financial Wellness Tools, a College Counselor, Articles and more! Plus, you can get support for your application process and student lending questions. I WANT TO APPLY. To learn more, please visit our Student Choice site or call 844-627-4307. * Subject to credit qualification and annual credit review.Tiger Scholarship. This $1,000 non-needs based scholarship can be used for tuition or books. One scholarship is awarded each year to an undergraduate student currently attending or planning to attend the University of Memphis. All you have to do is open a First South Financial Savings Account and start using your debit card for purchases. When you do, we will transition your Savings Account to a Savings Plus! A Savings Plus Account comes with: Visa debit EMV chipped card. Low minimum balance requirement to avoid the monthly service fee. Online banking. Mobile banking. First South Financial is committed to a financially healthier workforce. Financial instability can cause employees to be distracted at work, increase absenteeism, delay retirement, etc. The more stable your employees are financially, the more they can focus at work, which means greater productivity and opportunity for them and for you. ... First South Financial operates under a state charter in Tennessee, offering comprehensive financial solutions tailored to the residents of Tennessee. With over 73,000 members, First South Financial Credit Union offers a wide range of accounts, including Regular Savings (83,000+), Share Draft (26,000+), Money Market (1,000+), and Share ... Credit Unions are member-owned not-for-profit financial cooperatives that exist to serve their members. They can offer you many of the same products and services as a bank, but there are some key differences. The chart below explains how banking with a credit union can offer you distinct advantages.Home › First State Bank of the Southeast. Bank On Local. Bank On More. Experience banking with a personal touch. With our dedicated customer service team, you will receive a personalized experience with a knowledgeable banking expert. Call us at 1-800-248-5950.Plaintiffs including 17-month-old boy nicknamed Woodpecker bring landmark climate litigation in South Korea, the first in Asia to get a public hearing.First South Financial proudly serves communities throughout Tennessee, Mississippi and Arkansas. We do our best to give back to those that have given so much to us. We are happy to accept requests for sponsorships and donations from individuals and non-profit organizations for their events and activities. Our 2023 sponsorship budget has been ...Home › First State Bank of the Southeast. Bank On Local. Bank On More. Experience banking with a personal touch. With our dedicated customer service team, you will receive a personalized experience with a knowledgeable banking expert. Call us at 1-800-248-5950.first south investment services. digital services. bank@nywhere digital banking online security tips. benefits & careers. join first south financial credit union difference strength & stability current specials trustage insurance options: member referral program preferred dealers investment services love my credit union rewardsFirst South Financial offers several different types of ARMs, and they all can offer you: LTVs as high as 97%; Loan limits up to $647,200; Fixed-rate periods up to 10 years; Terms as long as 30 years; Apply Now . Mortgage Rates: Effective Date: Sunday, March 24th, 2024: Name: Rate: 10 Year Fixed Rate:South Korea begins the first public hearings on a climate lawsuit in Asia The plaintiffs argue that by not effectively tackling climate change, their government is …joining first south financial is quick and easy! We are a full-service financial institution that can offer you all the banking options you need, many without any fees or costs. Plus, we … Toll-Free: (800) 872-3728. Fax: (901) 380-7305. Report Phone Problem. Address: First South Financial Credit Union Highland Branch 633 South Highland Memphis, TN 38111. Website: Visit Website. Israel at War, Day 201: IDF Says It Mobilized Two Reserve Brigades to South Gaza. Senior defense official: IDF concluded preparations for Rafah op Hamas …2023 - New prices for the first half (Reviced) [Updated 2023/02/22] -- Get it --| 2023 - New prices for the first half [Updated 2023/02/03] -- Get it --| Estimated price rates for First …Plus, when you open a CD or IRA*** with us you'll also be banking with one of the strongest institutions in the nation. And if you do find a local bank or credit union with a better rate, we'll beat it!**. Now is the time to invest in your future, so act fast! Open An Account. Call us at 901-380-7400 or stop by any of our banking centers today! By email: [email protected]. You can also message us via the message center in online or mobile banking. Our Service Center is open from 7 am to 6 pm Central Time, Monday - Friday. To report a lost or stolen First South Financial Visa debit or credit card, please visit our important phone numbers page for the appropriate phone numbers to call ... Fresh Start Saver Loan. Or call us at 901-380-7400 or stop by any one of our banking centers. *APRs and rates are subject to change or withdrawal without notice, please see us for complete details. A loan with an interest rate of 10.00% and a term of 12 months will have a payment of $87.93 per $1,000 borrowed. Our Fresh Start Saver Loan program ...1st Franklin Financial Seneca, SC. Review Us. 103 Applewood Center Place Seneca, SC ... When you find yourself in need of financial help, we offer personal loans up to $15,000* with flexible terms to fit any budget, so you can get back to what really matters living your life.Lawrence Wong’s first foray into TikTok in June 2020 was a 51-second video of him in a white collared shirt wishing netizens a happy Mid-Autumn Festival, with …Apr 10, 2024 · A personal loan with a rate of 9.25% and a term of 60 months will have a payment of approximately $20.89 per $1,0000 borrowed. Rates are subject to change or withdrawal without notice, please see us for complete details. We offer a range of personal loans to fit your needs. Contact us today to learn more. Assistant Vice President of Human Resources at First South Financial Credit Union Memphis, Tennessee, United States. 80 followers 78 connections See your mutual connections ...Here at First South Financial, ensuring that you have access to your account information at any time on any device is one of our top priorities. Recently we had discovered a compatibility issue between Samsung devices and the Android 9 "Pie" operating system (OS) that is impacting our mobile banking app. ...To report a lost or stolen First South Financial Visa debit card, please call 888-918-7809 AND notify First South Financial at 901-380-7400 or 800-872-3728 so we may stop non-authorized usage. You may also stop by any First South Financial banking center . Helpful hints for avoiding debit and credit card fraud.First South Financial's members only deserve our best each and every time they do business with us. Features Include: Dashboard - Manage all of your First South accounts in one easy to view dashboard. View available funds, the progress of savings goals, upcoming payments, how much you’ve deposited,If you have any questions or concerns about the application process, please contact us at 901.380.7400 or at [email protected]. First South Financial is an equal opportunity employer. First South Financial is always seeking passionate and dynamic management professionals who pride themselves on the ability to deliver extraordinary levels ...Make payments to any kind of First South Financial loan (auto, mortgage, credit card, etc.) Access Bill Pay. View transaction history. View pending holds. Mobile locator function. Mobile deposit. Users will be able to customize their settings for the amount of history that is initially downloaded and how much additional history to download. 4.First South Financial is headquartered in Bartlett and is the 11 th largest credit union in the state of Tennessee. It is also the 553 rd largest credit union in the nation. It was established in 1957 and as of December of 2023, it had grown to 129 employees and 73,243 members at 16 locations.First South Financial's CD rates are 3X the national average, …Titanium/Edge. 18.50% APR to 26.50% APR*. Platinum Flex/Rewards. 16.50% APR to 24.50% APR*. Platinum Advantage. 14.50% APR to 22.50% APR*. We also offer many ways to make your credit card loan payments. Learn more about our loan payment options . Looking to build or rebuild your credit, then the Fresh Start VISA Platinum card is for you!

Who is First South Financial Credit Union. First South Financial Credit Union is a company that operates in the Financial Services industry. It employs 101-250 people and has $10M-$25M of re venue. The company is headquartered in Bartlett, Tennessee. Read more. First South Financial Credit Union's Social Media. Orion stars xyz

1st south financial

NON-MEMBERS. If you already bank with us and want to open additional accounts, please contact us. If you do not bank with us and want to open an account, please click on the red "Open An Account" button below. Open An Account. Please do not use the "Open An Account" button. The process is quick and easy and only takes a few minutes! Contact First South Financial by calling 901-380-7400 or by mail at 6445 Stage Rd. Bartlett, TN 38134 or visit www.firstsouth.com. For general information about prepaid accounts, visit cfpb.gov/prepaid .If you have any issues accessing this site, please contact us at 901.380.7400 or at [email protected] will be happy to assist you.On World Environment Day, June 5th, 2023, Finance Houses Association Sri Lanka, with the support of Mercantile Investments and Finance Plc and other member finance …Finance Management & Provincial Treasury - Western ProvinceReaffirms Full-Year 2024 Financial Guidance; ATLANTA – April 23, 2024 – UPS (NYSE:UPS) today announced first-quarter 2024 consolidated revenues of $21.7 …First South Financial is committed to a financially healthier workforce. Financial instability can cause employees to be distracted at work, increase absenteeism, delay retirement, etc. The more stable your employees are financially, the more they can focus at work, which means greater productivity and opportunity for them and for you. ...South Africa's newest millionaire says his PowerBall Plus winnings means he and his wife can travel abroad to see their daughter, after years apart due to financial …First South Financial Credit Union Reviews. October 17, 2023Charles H. Do yourself a favor and stay away from this bank!!! This is the worst bank you can do business with. They will charge you bogus fees and make excuses to do so. If you want to contact them to discuss, they will not answer the phone. Go ahead read all the reviews on here.Shop with confidence with a pre-approved loan from us. No matter what you're in the market for, a new car, truck, SUV, motorcycle, or even if you're thinking about purchasing a home, getting pre-approved with First South Financial offers many benefits: Our loan application process is fast and easy - you can apply online, by phone or in person ...SDF is also one of the oldest microfinance institutions in Sri Lanka and SDF is the first formal financial institution to channel the private sector investments into low and mid …A First South Financial gift card is the perfect solution for any gift-giving dilemma you may face. Just pop in, pick it up, and you're good to go! For more information just stop by any of our First South Financial banking centers or call 901-380-7400 today! If you have additional questions, please check out our handy FAQ page.Learn more about how First Southern Financial is supporting Neighbors through COVID-19! With locations in Huntsville, Decatur, Athens, Hartselle, Albertville, Moulton, and Arab, we are easy to locate and quickly accessible. The best part is, no matter which location you visit, you will always be greeted by a friendly neighbor who is ready and ... Location: Goodman Road Branch. Address: First South Financial CU Goodman Road Branch 185 Goodman Road West Southaven, MS 38671 ( Map) Phone Number: Click-to-Call: (901) 380-7400. For over 67 years, First South Financial CU has been a trusted financial partner, boasting a network of 16 branches and 16 ATMs across the country. As the 11 th largest credit union in Tennessee First South Financial Credit Union stewards over $755.95 Million in assets and proudly serves over 73,000 loyal members.5 days ago · 0.80% APY. 0.90% APY. 1.00% APY. 1.10% APY. APY = Annual Percentage Yield. All rates subject to change without notice. Call 901.380.7400 for current rate information. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest. First South Financial operates under a state charter in Tennessee, offering comprehensive financial solutions tailored to the residents of Tennessee. With over 73,000 members, First South Financial Credit Union offers a wide range of accounts, including Regular Savings (83,000+), Share Draft (26,000+), Money Market (1,000+), and Share ...Reaffirms Full-Year 2024 Financial Guidance; ATLANTA – April 23, 2024 – UPS (NYSE:UPS) today announced first-quarter 2024 consolidated revenues of $21.7 …Fixed payments, fixed rates. Loans up to $15,000*. With over 370 branches throughout the Southeast, we’re not far from home offering loans to our neighbors for more than 80 years. Personal loans fast, friendly and easy. Getting the funds you need when you need them is what we do, and we’ve been doing it for over 80 years.First South Financial is a full service mortgage lender that offers several types of mortgage loans to meet your lending needs. Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the ...Learn more about how First Southern Financial is supporting Neighbors through COVID-19! With locations in Huntsville, Decatur, Athens, Hartselle, Albertville, Moulton, and Arab, we are easy to locate and quickly accessible. The best part is, no matter which location you visit, you will always be greeted by a friendly neighbor who is ready and ....

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