The Lloyds TSB Group provides a wide range of domestic and international banking services to personal and commercial customers, including: Retail banking Insurance Wholesale banking Unit trusts and investment management Consumer credit and card services Key Facts and FiguresLloyds TSB Group at a glanceTotal assets £252 billion Total number of customers Over 15 million Number of employees Over 70,000 Total capital ratio 11.3% Lloyds TSB Bank plc deposit credit rating (Moody's) AAA Lloyds TSB Group plc long-term rating (Fitch IBCA) AA+ UK ranking (home insurance) 1st UK ranking (current accounts) 1st UK ranking (mortgage lending) 3rd Lloyds TSB AsiaLloyds TSB has been present in Asia since the 1970s with offices in Hong Kong, Singapore and Malaysia.

Welcome to the site @James Hong!

Hey Jimmy Hong - numbers looks good, you have a phantom duplex on the property?!

LOL Jimmy Hong - NICE :) There are a couple of points that I can make on this subject:1.

They market like crazy to people in California, Manhattan, Australia, Hong Kong, and every other expensive market.

Jimmy Hong,The difference between ordinary income and capital gains is immense.

Nice to see another fellow BP member with the last name of Hong!

Hi Eric Hong and welcome to BiggerPockets.

I travel A LOT so I get to SF, Portland, Singapore, Hong Kong, South Africa etc etc and get to take advantage of those places often.

Curt, the idea that some investor from Hong Kong has his own assumptions to run about vacancy rates in Memphis, and so you should stay out of it, when you guys are the EXPERTS on the Memphis market, makes no sense.