7 Ways Parents Can Be Good Money Role Models

Putting_money_into_a_piggybankEveryone views smart financial practices differently, and what’s an effective strategy for one parent doesn’t necessarily work for another. While there’s no official rulebook, consider these five ways parents can become better financial role models. 1.  Live on a Written Budget. Take the time to write out your family budget and get the family involved on how the finances are spent. 2.   Be open about your financial situation. Although children like sweets, you don’t have to sugarcoat the truth about your family’s financial standing. “Teach your kids about money from objective reality,” says Steve Siebold, author of “How Rich People Think.” “It’s a nice thought to say everyone – regardless of financial status – has access to all the good things in life. It’s also naïve and untrue.” Instead of trying to shield your kids from your household budget, include them in the decision-making process on when to save and when to spend money. Read More »

Top 12 Kid Money Wasters

toysWe all know that kids can be very expensive. There are many reasons that we end up spending more on our kids than necessary. Sometimes we’re worn down. Sometimes we think that we want them to have more than we did, so we spoil them! As I look at the financial picture for thousands and thousands of people over time, I see recurring areas of over-spending on kids. We narrowed them down to the Top 12 Kid Money Wasters.

12.  Sports -

Club Teams, Camps and lessons for things they aren’t passionate about. Sports can be great for kids, so our point isn’t that kids shouldn’t be allowed to participate in activities. However, too often the parent projects what they think they missed onto their kids. The kid gets pushed into activities their enthusiasm is only moderate.       Parents dish out a small fortune for club teams to make sure the kid has the best chance of success. Then the kid suffers from burnout and loses interest. Read More »

Are You On The Path2Buy?

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Today’s guest is Tom Ward, the founder of Path2Buy Homeownership Coaching Program.  After doing extensive research on Renters, Tom was able to break down the 7 1/2 reasons why they don’t buy sooner.

It’s OK to Rent…for awhile Read More »

Top 6 Reasons Real Estate Transactions Fall Through

Tree through roofReal Estate transactions fall through for many reasons, and the same ones seem to happen frequently.  We’ve identified the top 6 reasons that home sales get killed.  To avoid making these mistakes, make sure you are using a true professional mortgage lender and/or Realtor.  If you want personal advice on this topic, setup a consultation with my team by emailing DougHaldeman@gmail.com or you can text/call (314) 472-DOUG (3684).

1. Buyer Financing Falls Through Read More »

Meet the Young Guns of Real Estate: Mike Galbally & Bonni Luckett

stlouisfinesthomesSt. Louis Finest Homes Realty Group is quickly rising to the top of the St. Louis real estate market.  Our exclusive interview with Mike Galbally and Bonni Luckett gives an inside look at their success formula!

To contact them for real estate advice:

Mike Galbally  314-479-8583 or Mike@StLFinestHomes.com

Bonnie Luckett  314-599-5143  Bonni@StLFinestHomes.com

St. Louis Finest Homes:  Part One

St. Louis Finest Homes:  Part Two

Throwback With Doug & Tammie

To Contact Doug and his team:

314-472-DOUG (3684)   or DougHaldeman@gmail.com

Audio from Segment:

 

doug in vest

 

 

 

tam in satin jacket

Good Renters Deserve Better Credit Scores

Rent Credit ScoreIn the past, rent was not reported to the three main credit bureaus.  Now, thanks to Experian and Trans Union, rent can be reported.  This will help someone with limited credit build a credit history.  It will also help someone recovering from an economic hardship by establishing new, positive credit.

Below is an article from Experian that gives more information on how to get rent on your credit report:

Why Building Your Credit History Is Important

Credit plays an important role in your life — affecting the purchases you make and much more. A credit history is vital in today’s economy and enables you to obtain valuable credit services such as credit cards, mortgages and auto loans. Lenders use credit reports and credit scores to gauge the likelihood that you will pay back a loan. We understand the importance of building credit history and believe that responsible renters should get credit for managing their rental payments.

How Paying Rent On Time Helps Build Your Credit History

Experian incorporates on-time rental payment data reported to Experian RentBureau into Experian credit reports. Your rental payment information will be included as part of your standard credit report and may be incorporated into certain credit scores. The inclusion of positive rental payment history within Experian credit reports allows you to establish or build credit history through timely rental payments.

For FAQs about rental payments on your credit report click here.

Read More »

Are You Ready to Buy?

buyvsrentTop 10 Questions to Know if You’re Ready to Buy:

1. What is your credit score right now?

2. Do you know how much home you can afford?

3. Have you researched markets and neighborhoods?

4. Do you plan to get a home inspected before you buy it?

5. Are you getting Pre-Qualified or Pre-Approved?

6. How do you plan to find an agent?

7. How much do you plan to save for a down payment?

8. How much will you pay for closing costs?

9. Are you planning to attend any open houses?

10. Do you have a move-in strategy?

In the end it is best to align yourself with a professional that can help walk you through these questions and others that you may not have considered.  For a free consultation, reach out to Doug Haldeman at (314)472-DOUG (3684) or by email at doughaldeman@gmail.com

Are You Ready to Buy?  Part 1

Are You Ready to Buy?  Part 2

Carmen Gassert and Carla Borgard: Success is Real Estate

carmen gassertCarmen Gassert~ 314-623-7790

cgassert@cbgundaker.com

Carla Borgard ~ 314-580-2744

scborga@cbgundaker.com

Coldwell Banker Gundaker

1100 Town and Country Crossing

Town and Country,MO 63017

Office: 636-394-9300

Fax: 636-394-4098

Carmen Gassert and Carla Borgard Audio:

Your Credit Matters: Waiting Too Long To Work On Your Credit

Doug Show Card web revised 2013Doug Haldeman covers the steps you can take on your credit recovery.  Most people don’t want to have to deal with credit on a regular basis.  there is detail work that just seems like too much work.  Doug has narrowed down to some steps you can take to begin the process he is also there to assist you in  whatever stage of the game you are in.

Below is a link to the PDF page for Doug’s Steps to Credit Recovery:

Steps to Credit Recovery

You can also contact Doug direct:

Doug Haldeman

314.472.DOUG (3684)

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