MOVE IT OR LOSE IT! Declutter your space!

declutter family roomClearing out clutter before a move or selling your home can feel overwhelming, but with a few expert tips, it can be painless. Really!

If your belongings are taking up precious square footage in your home, it may be time to re-evaluate whether you really need everything you own before your next move.

When you’re looking to get rid of stuff, start with the big, bulky items first. Doing so will free up space quickly, and once you see how good getting organized feels, it may motivate you to keep going.

If you can’t decide whether to keep it or toss an item, ask yourself,  If I saw this in a store today, would I buy it?’ or ‘If I were moving across the country, would I pay to take this with me?

Embrace technology:  Nowadays, you can find most things online — including another copy of a book, DVD, or CD that you regret parting with.

Continue reading MOVE IT OR LOSE IT! Declutter your space!


kayser law firm

Short Sales are the “New Normal” for homeowners with mortgages.  Without a negotiator you could be losing out on someone in your corner.  Elizabeth Kayser and Ryan Hyde of Kayser Law Firm joins Doug and Tammie in the Cornerstone Studio to explain and dispel any myths of  what a Short Sale is.

Simply put, short sales begin when a homeowner cannot sell their house for enough to cover the mortgage. “Prior to the crash, the banks simply pulled the foreclosure trigger,” says Elizabeth Kayser of Kayser Law Firm. Because foreclosures lose Continue reading SHORT SALES WITH KAYSER LAW FIRM

John Niemann, CPA / Niemann & Company

john neimannJOHN NIEMANN   is the founder of Niemann & Company and a leading expert on solving individual and small business IRS tax problems. As a Certified Tax Resolution Specialist (CTRS) and a CPA, he has represented hundreds of taxpayers who owe the IRS, but simply cannot afford to pay.

John has over 35 years experience as a CPA in the tax arena, with the last 15 years dedicated to helping individuals and businesses solve their IRS collection-related problems. He is consistently quoted in the media as leading expert in his field. John has been an expert contributor to the Doug Haldeman Show on FMNewsTalk 97.1 in Saint Louis.

He is a licensed CPA in the state of Missouri. He is also a member of the American Society of Tax Problem Solvers, a non-profit organization whose members are subject to rigorous standards of ethics and professional conduct.


IRS Budget Cuts = More Tax Liens and Tax Collections For The Taxpayer

underreportingJohn Niemann, CPA joins Doug in the Cornerstone Mortgage Studios to discuss how the IRS Budget Cuts are effecting the Taxpayer.

The “Tax Gap” is IRS’ estimate of tax the Treasury misses out on, each year, because of non-filing, underreporting of income and underpayment. The total is estimated at $450 billion a year and $45 billion a year is filed but not paid to IRS.

Listen in to John’s expert advise and be sure to contact him today so you don’t pay the government more than you have to pay!

Continue reading IRS Budget Cuts = More Tax Liens and Tax Collections For The Taxpayer

Selling A Home To A Relative With John Niemann & Doug Haldeman

old family homeGenerally, the Internal Revenue Service doesn’t care who you sell your house to. Whether it’s going to your son, your second cousin or a stranger, you’ll pay the same taxes and get the same treatment. However, there are a few special situations where the IRS takes a more careful look. Generally, if you’re setting up a special transaction that takes advantage of having family involved, or if you’re giving something to your family that you wouldn’t give to a stranger, you may be in for extra scrutiny.

Be sure to tune in to what John Niemann and Doug Haldeman uncover about selling your home to a relative.

Continue reading Selling A Home To A Relative With John Niemann & Doug Haldeman

6 Steps to Buying a Home That Will Increase in Value

HomeValueIncreaseYou can’t control every aspect, so you have to control what you can.

1. Buy a distressed sale if you are willing to do some work.

2. Don’t buy the most expensive house in your neighborhood. Continue reading 6 Steps to Buying a Home That Will Increase in Value

How To Make Financial Planning Easy With A Simple Checklist

financial checklist

Each person’s individual plan will differ, but once you have the checklist, you can fill in the specifics and monitor it regularly. If you have doubts or questions, work with a trusted professional who can help make it easy for you.  In the meantime we wanted give you the four essential pillars of a financial plan that offer a great start. Continue reading How To Make Financial Planning Easy With A Simple Checklist

Why A Baby Boomer May Want To Downsize

baby boomer coupleDid you know that boomers will turn 65 at a rate of about 8,000 a day for the next 18 years? That’s a lot of American homeowners who are reaching retirement age and starting to think about their next phase in life.

If  you or your parents fall into this category, it could be a good time to consider leaving that large family home behind. Downsizing can help aging parents enjoy their newfound freedom.

Here are six  advantages to living the “less is more” lifestyle once the kids have left the nest. Continue reading Why A Baby Boomer May Want To Downsize