Why Your Score May Have Dropped

credit-score-14 Surprising Reasons Why Your Scores Might Have Dropped


You’re on top of your finances — your payment history is flawless, you keep your utilization below 30 percent and your accounts are in good standing.

However, when you log in to receive your eagerly awaited score update, you see that your score has dropped – even though you can’t think of any negative changes you’ve made.

It can be disheartening to see your score go down when you’ve been working hard to keep your finances in order. So, what’s up? Here are four surprising reasons why your score might’ve changed.

Read More »

Detox Your Spending


Summer spending is one of the highest moments of our financial yearly budget.  It is filled with vacations, extra food because the kids are home, daycare expense increases, parties, events and more.

What is a financial cleanse?

A financial cleanse is similar to a diet. After overindulging in too many sweet treats or fast food meals, you might reset your habits by eating healthy and working out. Under a financial cleanse, you work toward replacing some of the spending habits that may have gotten out of hand in the summer with mindful spending and saving. Here are some tips to get started.

Read More »

Tips To Make Your Finances Less Frustrating

man-frustratedHave you had a similarly frustrating experience when paying your bills or managing your finances? As part of National Moment of Frustration Day on Oct. 12, we’re sharing five things you can do to make managing your finances easier.

1. Automate your finances to minimize late payments.

Through auto-pay, you can rest easy knowing that your payments will be automatically charged to your credit card and you can avoid late payments.

2. Put due dates in your calendar.

If you’re like me, if something isn’t in your calendar, it doesn’t exist. I’ve found that putting reminders in my calendar helps me stay on top of my payment due dates, especially for bills that I can’t automate, and paydays.

Consider putting recurring reminders in your calendar (digital or physical) for the following:

  • Your rent is due.
  • Credit card payments are due.
  • When you get paid from your employer.
  • Netflix, internet, gas and electricity bills are due.
  • How about when health insurance, renters insurance and other insurance bills are due.

3. Sign up for text or email reminders.

If you don’t want to manually put reminders into your calendar, you can check with your credit card company, mortgage servicer, auto loan servicer and/or student loan servicer about getting alerts for your due dates.

4. Enroll in credit monitoring.

Your credit score and credit report are important parts of your financial life. But keeping tabs on them may seem inconvenient or time-consuming. One way to make the process less frustrating is to enroll in credit monitoring.

Credit monitoring services can notify you if things on your credit report look suspicious, which could be signs of identity theft. 

Additionally, these services can help you stay on top of your credit scores and reports and have a better understanding of the underlying influences that ultimately affect your credit.

5. Download a savings app to take the legwork out of saving.

If you find it difficult to save, you can download a savings app such as Digit to help you save effortlessly.

Digit looks over your accounts and, through its software, analyzes what you can put in a savings account. It then automatically transfers money from your checking account into a Digit savings account.

Some users love how easy it is to save, while others aren’t impressed by the fact that the savings account doesn’t earn interest.

If you want to earn interest and make saving easier, one option is SmartyPig, an online piggy bank that currently earns 0.75 percent annual percentage yield (APY).

If you’re interested in small-scale investing, you can use an app such as Acorns. Acorns rounds your purchases to the nearest dollar and invests your spare change.

Bottom line

Being an adult, paying bills and managing your money can be frustrating; there’s always one more thing to keep track of or one more bill to pay.

While managing your finances can be a frustrating process, these five tips can make things a bit easier.

Mike Rowe On The Right To Vote


Trump’s vs Clinton’s Political Plans

Comparingrepubilican-and-democratic-icon The Political Plans

The 2016 Presidential candidates are Hillary Clinton (Democrat) and Donald Trump (Republican). Their party affiliation helps you understand their economic plans.  By understanding these political plans and affliations will make you an informed voter.

Keynesian Theory

Democrats promote the Keynesian theory. It says government spending and tax cuts boost economic growth by increasing demand. Most Democrats target these policies toward middle-income families. They offset deficit spending with higher taxes on investments, large businesses, and high-income families. They address income inequality by providing more benefits for low-income families. That’s because they will spend the extra money on food, medicine, and shelter. That drives demand more than saving and investing does.

Deficit spending is not an accident. The President and Congress intentionally create it in each fiscal year’s budget. That’s because government spending drives economic growth. For example, it buys defense equipment, medical supplies, and buildings. The businesses it contracts with hire people, and the government hires people directly.

Supply-Side Economics

Republicans promote supply-side economics. That theory says reducing business, trade, and investment costs are the best way to increase growth. Businesses use the extra money to hire more workers. Unfortunately, that hasn’t been the case in this recovery. Companies have plenty of cash, but aren’t spending it on capital improvements or new jobs. They are investing it in the stock market, U.S. Treasuries, and overseas investments.

An income tax cut increases the dollars per hour worked, increasing workers’ incentive to remain employed, and thereby increasing labor. This increase in supply boosts economic growth. That’s why supply-side is also known as trickle-down economics.

Businesses can raise prices, and workers can then bargain for higher wages, which will translate back into higher tax revenues. Some supply-side proponents even argue that, over time, any lost tax revenue will be recouped through greater tax receipts from a booming economy.


Mr. Trump favors cutting taxes for everyone and reducing the number of tax brackets from seven to three. He would reduce the top rate of tax to 33% from 39.6%.

Mrs. Clinton would keep taxes the same for most Americans but add an additional bracket for the highest earners. The income from that would be used to pay for programs like free university education for students from low- and middle-income families.

Her campaign is calling the higher taxes on the wealthy – 4% on people who earn more than $5m – the “fair share surcharge”.

Clinton tax brackets Trump tax brackets
Earnings under $9,275 – pay 0% Earnings under $29,000 – pay 0%
$9,275 to $37,650 – pay 15% $29,000 to $54,000 – pay 12%
$37,650 to $91,150 – pay 25% $54,000 to $154,000 – pay 25%
$91,150 to $190,150 – pay 28% Over $154,000 – pay 33%
$190,150 to $413,350 – pay 33%  
$413,350 to $415,050 – pay 35%  
$415,050 to $5,000,000 – pay 39.6%  
Over $5,000,000 – pay 43.6% (new bracket)  

Both candidates have proposed closing tax loopholes that typically favor the rich.

Tax Deductions

Mr. Trump proposes a child care deduction that would cover the average cost of child care, while Mrs. Clinton favors limiting the number of deductions taxpayers can claim at 28%.

Tax deductions allow people to subtract some of the income they are taxed on – effectively lowering which bracket they fall into. They typically favor the rich who can take more, while the 43% of Americans who currently pay no income would be unaffected by the change.

Mr. Trump also proposed eliminating the estate tax or “death tax” completely. The tax only applies when a family member passes on more than $5.45m worth of assets to an individual or $10.9m to a married couple.

The Republican candidate said he would also reduce the US corporate tax rate to 15% from the current rate of 35%, one of the highest in the world.

Mr. Trump’s campaign said the plan would reduce the amount of income the government collected by $4.4tn over a decade. This is far below the $9.5tn calculated by the nonpartisan Tax Policy Center in August. The Center said Mrs. Clinton’s plan would add $1.1tn in revenue over the next 10 years.

Healthcare Programs

Neither candidate has proposed significant reductions in spending on public pension and healthcare programs like social security, Medicaid and Medicare. The funding needed for those is expected to balloon over the next decade and its unclear where the money to pay for them will come from without tax increases.

An analysis performed by Tax Foundation last month found that while Mr Trump’s plan would lower taxes for all Americans it would lower them most for the highest earners.

New trade deals

Mr. Trump has done his best to capitalize on the discontent around trade deals.

His economic proposal suggests renegotiating trade deals using “negotiators whose goal will be to win for America”. He has not spelt out what that “win” looks like, but he has promised to step away from deals like the North American Free Trade Agreement (NAFTA) if a good deal cannot be reached.

Mr. Trump has also promised to get tough with countries that violate trade agreements, applying new tariffs and pursuing cases against them in the World Trade Organization. He has specifically said that he will label China a “currency manipulator”.


Mr. Trump has called for a 35% tariff on Mexican goods and a 45% tariff on Chinese goods.

That would mean a $100 television from Mexico would cost $135.

This could encourage US consumers to buy more products made in America, but it would also likely encourage Mexico to place an import tax on US goods, making it hard for US companies to sell their goods abroad. Mexico purchased $267.2bn in US goods in 2015, making it the second largest export partner for the US.

Mrs. Clinton has said these tariffs will lead to a trade war making it harder for the US to compete on a global stage.

Clinton has gone back and forth on trade. She previously supported the Trans-Pacific Partnership (TPP) but has said in her campaign that she doesn’t think it’s the best deal for America.

Her plan focuses more on increasing production in the US by offering tax incentives to companies that build there rather than barring imports out. While she has criticized some trade deals, she hasn’t ruled out signing new ones if elected.
Trump on trade

  • Renegotiate trade deals to favor the US
  • Walk away from trade agreements if a good deal can’t be reached
  • Add tariffs on some of the America’s largest trading partners including Mexico and China

Clinton on trade

  • Changed her mind on TPP, which she helped negotiate
  • In 2007 criticized trade deal with South Korea, then supported it as Secretary of State
  • Supported NAFTA but has since been critical of it

Who’s hiring?

Both candidates have promised to put Americans back to work, though unemployment has hovered around a low 4.9% since the beginning of the year.

Mr. Trump’s employment plan focuses on encouraging more businesses to open in the US. He has suggested that investing in infrastructure, cutting the trade deficit, lowering taxes and removing regulations will make it easier for companies to hire.

Mr. Trump has focused mostly on increasing manufacturing jobs, which have declined by around 5 million since 2000. Much of that decline has been caused by improvements in technology, however, not outsourcing.

He has promised to create 25 million jobs over 10 years and achieve annual economic growth of 3.5%. US GDP growth reached 2.4% in 2015.

Mrs. Clinton’s policy for jobs growth is a little more specific. She has called for increasing jobs training – in part paid for by tax revenue from wealthier Americans. She has pushed for infrastructure spending and investment in new energy to lift the number of jobs in those sectors.


Mrs. Clinton advocated making “the economy fairer.” In promoting that stupid notion – stupid, because mutually consensual exchange is by nature “fair” from any objective point of view – she pushed raising the national minimum wage (potentially throwing thousands out of work) and “equal pay for women’s work” (read: unequal pay for the same work for men). But her truly insane line came next: “I also want to see more companies do profit-sharing. If you help create the profits, you should be able to share in them, not just the executives at the top.” Now, many companies already have so-called “profit sharing” – employees who own stock benefits. On a broad level, all companies have “profit sharing” – you have continued employment because your company earns a profit. You don’t have a share of every dollar of profit earned because you don’t get dinged for every loss. But Hillary seems to be advocating for a full-scale governmental intervention into every business in America – letting the feds decide how much employees should make in every industry. This is, as Dennis Prager pointed out today, economic fascism.

What They Kind Of Agree On

Despite their many areas of disagreement, there a few things both candidates are pushing for.

  • Ending corporate inversion – or transactions where US companies move their corporate headquarters abroad to avoid US taxes
  • Eliminating carried interest tax – a tax that mostly benefits hedge fund investors
  • Opposing the Trans-Pacific Partnership (TPP)

Mr. Trump has not addressed how he will pay for these cuts, other than saying the changes will boost the economy and that will increase the tax base.

Mrs. Clinton has said most of her spending increasing will be covered by tax increases, but it is unclear if those numbers entirely match up.

D.R.E.S.S for Health Success with Angela Brown


Angela Brown with SWEAT St. Louis

D.R.E.S.S for Health Success 

Most people think that they have tried every diet that claims to help cure their particular problem, and nothing works. The truth is, your “perfect” diet has not been designed. Through FDN®, I will show you how to create your perfect diet.  Angela Brown visits the Doug Haldeman Show to help us reveiw what dressing for health success can look like.

D= Diet

R= Rest

E= Exercise

S= Supplements

S= Stress

There are three main principles that are necessary in finding the right diet for you. The diet must:

  • consist of real, whole, nutrient dense food.
  • be comprised of the right macronutrients.
  • eliminate the foods that cause stress to your body.

Read More »

Tired Of Feeling Tired? Sick Of Being Sick?


Tired of feeling tired? Sick of being sick?

Angela Brown, Exercise & Nutritionist Expert, joins Doug and Tammie in studio to discuss what options there are to find out how you can take care of your body and identify the stressors that can effect your moods, sleep and overall health.  If you really are tired of feeling tired every day, sick of being sick or you seem to be going to the doctor and finding no real solution the be sure to give Angela Brown a call today to begin the process of the Dutch Panel Test!  314.226.3137

Read More »

iAutoAgent: Revolutionary Way To Sell Or Buy Your Car


Revolutionary Way To Sell Your Car

Have you ever tried to sell your own car before? Better yet, have you purchased a vehicle before? Regardless of your answers we are about to change your way of thinking on how you buy and sell your cars.

As many of you know the second most expensive purchase you will make in your entire life is buying a car. (Of course there’s those of us who buy helicopters and jets, but let’s stay focused).

This progressive tech company in the automotive arena goes by the name of iAutoAgent.  iAutoAgent is the revolutionary  way to go about buying and selling cars, trucks, and SUV’s. Jay Grossman and his team actually do all the work for you.   These real estate agents for your car will sell your cars for you, and do so absolutely free to you the seller.  You don’t even have to leave the comfort and safety of your own home.

Read More »

Home Buyers & Sellers :Generational Trends

Home Buyers & Sellers : Generational Trends

Listen to the Audio!

From <http://www.realtor.org/sites/default/files/images/infographics/2016/2016-home-buyers-and-sellers-generational-trends-infographic-03-09-2016-full.jpg



How to Rent your Home on AirBnB

How to Rent your Home on AirBnB

Would you pay for two hotel rooms in a single night, but use only one? Probably not, but when you go on holiday and continue to pay your rent or mortgage while you’re gone, this is essentially what you’re doing. Paying for a space you aren’t staying in not only bleeds your travel budget, but leaves a perfectly usable space, well, unused.

What I find most painful about all of this is that there’s a solution that can even hand you a profit while you’re gone. In turn, it can also help other travellers explore your hometown. So why not return the favour, and earn some travel cash on the side? Here’s how to rent your home on AirBNB and be an AWESOME host, too!

Read More »

Scroll To Top