Category Archives: Personal Finance

Accumulate Wealth and Be Comfortable

Accumulate Wealth and Be Comfortable


Whether your goal is to become a millionaire or to just be financially secure, we’ve got a few practices to help you accumulate wealth and become comfortable.

These tips come straight from David Bach, self-made millionaire and best-selling author. Bach outlines a one-step plan to get rich by making it automatic in his book “The Automatic Millionaire”.

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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.

Continue reading Stealth Savings: Little Moves that Equal Big Money

Having the “Money Talk” with Your Parents

Having the “Money Talk” with your Parents


Having the “Money Talk” with your parents can be very uncomfortable. However, it is necessary to have now, before it becomes a problem in the future. People tend to not like talking about money or death, so when you combine the two it can cause some discomfort. Another reason for avoiding the conversation is that maybe your parents could be embarrassed because they didn’t handle their money well. Also, as the child you don’t want to come off as greedy or nosy.

Whatever the reason, we’re going to outline some steps you can take now to avoid some serious problems down the road.

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Closing the Gap Between your Financial Reality and Goals

Closing the Gap Between your Financial Reality and Goals


Most of us are failing miserably with our finances. Personal savings rates are at an all time low, retirements savings are non-existent, and overall net worth is diminishing.

Nobody wants to be terrible with their finances, so why are we failing? We’ll take a look at some of the reasons and some small steps you can take to get back in financial shape. It’s never too late to be Smart With Your Money.

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What Is Holding You Back From Financial Freedom

Financial freedom doesn’t mean watching it fly out the window.

Money Sabotage

Your financial freedom is just around the corner.  You just have to choose the path that doesn’t hold you back.  While money can certainly buy you plenty of things, it can offer you something far more valuable than material things.  The more money you acquire and properly pour into channels that can support you now and into the future.  When you do this the more freedom you have to make choices based on desire and not financial obligation or necessity.

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Credit Lessons Your Parents Didn’t Teach You

Doug-Show-CardCredit Lessons

Paying interest is really painful.  It can be difficult to take the wisdom from the generations that lived through their life lessons.  When it comes to analyzing your parents credit it just may help you understand what not to do or what to do.

Here are some lessons we wish our parents had shared:

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Is Your Bank Account Leaking Money?

Is your bank account leaking money?

Is Your Bank Account Leaking Money?

When was the last time you really looked at your bank account?  It is easy to miss small amounts of money  every month until you get declined or a check bounces.  When this happens it creates awareness around your money situation.

Here are a few ways that you can plug the leaking:

Continue reading Is Your Bank Account Leaking Money?

Shopping Around For a Mortgage?

Shopping Around For A Mortgage

Here’s the inside scoop on how to do it right!

First:  Are you working with a TRUE Mortgage Professional?

The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.  But how can you tell?If your shopping just rates you may want to consider who your lender is going to be to handle your transaction.

 Here are FOUR SIMPLE QUESTIONS YOUR LENDER ABSOLUTELY MUST BE ABLE TO ANSWER CORRECTLY.  IF THEY DO NOT KNOW THE ANSWERS… RUN…  DON’T WALK… RUN… TO A LENDER THAT DOES! To help narrow your search Doug Haldeman is that lender! Continue reading Shopping Around For a Mortgage?

Helping You Become “Smart With Your Money”

tam-doug-2Listen in as Doug and Tammie talk about the purpose and principles of the Doug Haldeman Show.


  • Living below your means
  • Having a written budget
  • Save first, then spend what is left (versus the opposite)
  • Manage the details in life
  • Maximize your credit score

Tips For A Smooth Loan Approval

check-markGetting a pre-approval is one step of the mortgage approval process. Having a smooth loan process depends partially on you.  As a potential homeowner you must remain responsible throughout the process. In the end only you can determine your future. Here are some tips to help you stay connected to your end goals.

  • DO continue making your mortgage or rent payments
  • DO stay current on all existing accounts
  • DO keep working at your current employer
  • DO keep your same insurance company
  • DO continue living at your current residence
  • DO call us if you have any questions
  • DON’T make a major purchase (car, boat, fur, jewelry, etc.)
  • DON’T apply for new credit (even if you seem pre-approved)
  • DON’T open a new credit card
  • DON’T transfer any balances from one account to another
  • DON’T deposit money into the bank that you can’t explain
  • DON’T pay off charge offs without a discussion with us first
  • DON’T pay off collections without a discussions with us first
  • DON’T buy any furniture
  • DON’T close any credit card accounts
  • DON’T change bank accounts
  • DON’T max out or over charge on you credit card accounts
  • DON’T consolidate your debt onto 1 or 2 credit cards
  • DON’T take out a new loan
  • DON’T start any home improvement projects
  • DON’T finance any elective medical procedure
  • DON’T open a new cellular phone account
  • DON’T join a new fitness club
  • DON’T pay off any loans or credit cards without discussing it with us

If you encounter a special situation, it is best to mention it to us right

away so we can help you determine the best way to achieve your goals.