Stealth Savings: Little Moves that Equal Big Money

Stealth Savings: Little Moves that Equal Big Money

So, you’ve banned takeout, swapped all venti fat-free lattes for the trusty Mr. Coffee at home, staged the yard sale, cut the cable, dropped the landline, raised your insurance deductibles, brown bagged every single lunch for months, and plan to limit the A/C all sweatin’-summer long.

But you still need to build your emergency fund. What can you do?

Make little changes for maximum impact.

Read More »

5 Steps for Parents with Kids Transitioning to College

5 Steps for Parents with Kids Transitioning to College

One minute they’re young and fragile and you’re rocking them to sleep, and the next they are ready and raring to flee the nest with as much excitement and vigor as they once had for Chuck-E-Cheese and unicorns. Life is fleeting, and nothing is more evident of this than when your child goes away to college.

For a lot of us, thoughts of having our child stay close to home for college, maybe even taking online courses so they don’t have to go far away, has crossed our minds. As parents, the role we really need to play is more supportive and less overbearing at this point. Here are the five things to help your child transition to college.

Read More »

7 Mistakes Millennials Make in Home-Buying

7 Mistakes Millennials Make in Home-Buying

 

Millennials – they’re the generation between 18 and 35; the new young professionals; the recent graduates, and they’re also coming into the housing market in droves. Usually, they’re also first-time homebuyers, which means that they have the potential to make mistakes in the home-purchasing process.

Here are the top seven mistakes millennials make when they purchase a new home. Whether you consider yourself part of the generation or you’re just looking to ensure your home search goes as smoothly as possible, these tips should help any potential homebuyer.

 

Read More »

Record Home-ownership Rates

Record Home-ownership Rates

 

The U.S. home-ownership rate fell to the lowest in more than 50 years as rising prices put buying out of reach for many renters.

The share of Americans who own their homes was 62.9% in the second quarter. This is the lowest since 1965, according to a Census Bureau report Thursday. It was the second straight quarterly decrease, down from 63.5% in the previous three months.

Read More »

The Fastest And Safest Way To Payoff Your Home

Doug Show CardCornerstone Mortgage, Inc offers an amazing product that blows away other lenders.  Doug Haldeman, Branch Manager at the St. Charles office location, discusses a new fast and safe way to pay off your home.  Be sure to listen in to find out if this would be an option for you.

If after hearing the show and you want more information reach out to Doug today at 314-472-3684.

Below is a link to Doug’s mortgage coach presentation and the audio to the show.

Doug’s Mortgage Coach Presentation

Bailout Scorecard Update

Image from: http://www.karmicsangoma.co.za/2013/05/political-cartoon-of-week.html

Image from: http://www.karmicsangoma.co.za/2013/05/political-cartoon-of-week.html

The Bailout Scorecard

Last update: Mar. 31, 2016

Altogether, accounting for both the TARP and the Fannie and Freddie bailout, $619B has gone out the door—invested, loaned, or paid out—while $390B has been returned.

The Treasury has been earning a return on most of the money invested or loaned. So far, it has earned $298B. When those revenues are taken into account, the government has realized a $69B profit as of Mar. 31, 2016.

Where do these numbers come from?

Most of the data shown comes from the Treasury Department. But in a few cases, we’ve gathered information from other government agencies or press releases and regulatory filings from bailout recipients.

If you’ve got more questions about how we do this, please drop us a line.

What you can find here:

To find out the full report go to:

http://projects.propublica.org/bailout/main/summary

Tips To Consider Before You Leave Your Child An Inheritance

IMG_7029

Our blended family and extended family all at one table! Who will inherit the dirty dishes? Hmmm…

Doug and Tammie share an article from Forbes.com on things to consider before you leave an inheritance to your children.

Warren Buffett enrolled Bill Gates in not leaving all his money to his children.  “I’ve given them enough that they can do anything with their lives, but not enough that they can do nothing.”   Warren Buffett

It’s not the amount of money you make, it’s who you become in the process. Don’t deny your children the opportunity of becoming in the process by having everything handed to them. Give them the opportunity to be anything, but not the opportunity to be nothing. –Brene’ Brown

If you are a parent who worries about what your wealth will do to your children, you are not alone. Many parents or other family members want to leave money to their kids or to someone, but they are concerned that who they want to leave it to are ill-equipped to handle sudden wealth. Some worry that by providing too much money that it will rob their children of the ambition and hard work that it took for them to amass the wealth. And it’s not just parents who worry. At least one beneficiary has reservations.

If you are concerned about gifting or leaving your children an inheritance, consider these popular strategies :

Read More »

Is Your Child Headed Toward Financial Disaster?

Shopping wears some people out!

Our grandson Eli after going grocery shopping for the family!

It’s impossible to know the future and it’s unfair to your kids, who may well surprise you in their financial future to take any of the following red flags too seriously.  In saying that some of these red flags are worth paying attention to and possibly changing some of your habits to instill new ones with your child.

So if you are in credit card debt, or have no savings and often think what have I done wrong and your kids keep demanding more and more stuff.  Well you may want to listen in to today’s show.

 

Read More »

Home Scouting

Home Scouting is the best Real Estate Search engine available, and was rated #1 in the country by its users.  As a listener of the Doug Haldeman Show, we are giving you FREE access to the Home Scouting Report to give you an unfair advantage against other homebuyers!

   Read More »

Couples and Money

Couples and Money

Disagreeing about money is almost inevitable — but it’s not necessarily a bad thing. As an individual, you have priorities about what you want your money to do for you that may or may not line up with your spouse or partner (or parents or friends). What you need to learn is how to communicate your wishes in a way that’s respectful of the fact that their priorities and wishes may not be on track with yours.  

Read More »

Scroll To Top