Inquiries: Losing Points On Your Credit Score

3d rendering of a credit card cut into pieces

How many points does a credit inquiry make you lose?

You all know this person, and if you don’t it’s probably because it’s you. The person who opens up their wallet or purse to see  every store credit card that is known to man/woman. This is all due to that delightful store clerk asking them at every store if they want that tremendous 20% off today’s purchases by applying for their store card.

Other than having too many revolving accounts, these types of individuals are also being crippled with “too many inquiries” (as indicated on your credit report).

Continue reading Inquiries: Losing Points On Your Credit Score

First Time Home Seller

Sold-signMost first time home sellers have no idea where or how to start the home selling process.

It’s very important that first time home sellers understand what the home sale process entails, what costs are associated with selling a home, and many other very important aspects of the home selling process.

Decide What Your Next Move Is

Continue reading First Time Home Seller

How To Choose Which Debts To Pay Off First

which-debt-to-pay-off-first1-300x300Even most experts make the wrong choices when choosing which debts to pay off first.  For an example if you received $30,000 and you are faced with the decision on what debt to pay first will you make the right choice?

Andy Prescott from the approached this topic.  Check out his post at:

The post Which debt to pay off first? 98% of Personal Finance Bloggers are wrong! appeared first on The Art of Being Cheap.


Rethinking Your Resolutions

resolutionsNew year, new you, new home. The calendar change always invites all sorts of resolutions, some of them attainable, many of them impractical and stress-inducing.  But changes needn’t be big or difficult to be life-altering. Here are some financial–related New Year’s resolutions you can make for 2016 that will pay big dividends with minimal effort. Continue reading Rethinking Your Resolutions

The Art and Science of Connection


By Jo Rossi and Kavin Chambers

We had the pleasure of being guests on the Doug Haldeman radio show to discuss our upcoming course, The Art and Science of Connection: Fostering an Authentic Relationship (ASC).  Connection is a concept that is difficult to define definitively because it is absolutely subjective. What connection means for me will be vastly different from what it means to you.   In the course, we will discuss the major keys to connection – trust, willingness, awareness, vulnerability and the ability to be present.  We will explore the ins and outs of human connection – how you attract and maintain it, the barriers between you and connection, the costs of living without it and the benefits of living with it. Continue reading The Art and Science of Connection

Investing In Real Estate As A Couple: Part 1

IMG_1080Real estate investing is not a “get rich quick” scheme.  Just as any home needs a solid foundation so does your real estate education.  This is key to your long term investing success.

First ask yourself a few questions:

Do we have a clear understanding of what type of real estate properties are best suited for our specific investment objectives and time lines?  (Ex: Cash Flow, Location, Tax-Advantages, Time)

Do we have a written criteria for selecting our investment property?

Have we figured out the strengths and weaknesses of each person?

Do we have a checklist to evaluate a property to help communicate our expectations and minimize surprises?

Do we as individuals understand the potential pitfalls of investement property?

Does our real estate model include carrying costs?  (Ex: Utilities, Taxes, Maintenance)

Do we have unbiased mentors to help provide guidance on our real estate decisions?

If Yes to these questions….Then Celebrate you are ahead of the game!  If not, consider meeting with Doug Haldeman to address these potential issues.   You can call  or email 314-472.3684 or

Doug Show Card






Investing as a couple Audio 1

Investing as a couple Audio 2

Peaking Into the Wallet Of Some Countries Spending Habits

countires spendingDoug and Tammie discuss how some countries are spending their money and where the US compares as a whole.

Though the chart, created by the Data Team with The Economist, may be lacking in how countries are taxed or not taxed it is an interesting glimpse into the wallet of a few of the countries spending habits.  Some of the differences are accounted for by pure economics of a country.  However, in the end US Healthcare costs are taking up the biggest portion of our American dollars.

Click on the chart link below or follow the link above to take a closer look:

Countries Spending Habits


Mike Grasso Re/Max Properties West

mike grasso show cardDoug and Tammie are joined in the studio with Mike Grasso, Real Estate Agent with Re/Max Properties West.  He has been a Realtor for 19 years and lending professional for more than 13 years.  A St. Louis native, Mike attended John F. Kennedy High School, received a Bachelor of Science in Accounting from Missouri State University and recently received a Masters of Science in Forensic Accounting at Webster University.

With his vast experience as a Realtor, Mike enjoys sharing the “Lore of the Land” with all of his clients. Whether it is purchasing an existing home or building a new one, Mike remains involved through every stage of the transaction.

Utilizing his professional expertise with his extensive financial background, Mike prides himself with his keen ability to properly identify each client’s needs and offer the ideal mortgage with the best rate available.

– See more at: Mike Grasso Re/Max Properties West

Be sure to call Mike to find your next home!

Mike Grasso

Real Estate Agent

Re/Max Properties West

314.220.1617 Cell

636.532.5900 Office