Stephen Schultz Helps Us Stay Safe and Protect Against Lawsuits

stephen schultz show card






Contact Stephen Schultz for legal advice:

Schultz & Myers





Understanding Home Appraisals

krisit mccoyFor an appraisal on your home:

Kristi McCoy

McCoy Appraisal



Listen in as Appraisal expert Kristi McCoy debunks several appraisal myths.  Kristi explains:

  • Different types of approaches in figuring the value of a property:  Sales Comparison, Cost Approach, & Income Approach
  • Why Sales Comparison is the most widely used
  • How much do home improvements add to the value of a property and why?
  • What is the rule for basement square footage?
  • What if you have a unique property where there are few or no comps?
  • The Home Valuation Code of Conduct that went into effect in 2009

Appraisal Made Easy:  Part One

Appraisals Made Easy:  Part Two

8 Essentials When Choosing a Realtor with Stephanie Kelsey Cottrell

stephanie kelsey cottrellFor expert advice, coaching, or consulting:

Stephanie Kelsey Cottrell


Or check out her youtube channel

Buying a home? Real estate agents role is not to show you pretty houses. Their role is to be your real estate coach! Read More »

Homes for Heroes

Heroes Group PicTo find out more info or to Register for Homes for Heroes: Visit

What is Homes for Heroes? – Homes for Heroes was started just after the tragic events of 9/11 as our way to give back to heroes like those that bravely put themselves in harm’s way to help others that day. It’s a community minded company whose purpose is to provide help for community heroes who are buying, selling, or refinancing a home.

How long has Homes for Heroes been around? Homes for Heroes is a National company that has been in business since 2001 and is currently in 47 States. Since we began tracking our saving to heroes in 2009, we have been able to give back over 5 million dollars to our nation’s heroes.  We have carefully controlled our growth, enabling us to place just the right Realtors, Lenders and other affiliated business partners in cities around the country. Our goal is the highest level of service for our Heroes.

Who qualifies as a Hero? - Our core group of “heroes” include military personnel (both active duty and retired), teachers, firefighters, law enforcement, Doctors and Nurses.

Read More »

The 7 Financial Benefits of Home Ownership

Money & Homeownership 21. Homeownership Builds Wealth Over Time

We were always taught growing up that owning a home is a financially savvy move. Our parents knew it, and their parents knew it. But this past decade of real estate turbulence has shaken everyone’s confidence in homeownership. That is why it’s so important that we discuss this again now that we’re in a ‘new market.’ Homeownership can be a very savvy financial move – but only if people buy homes they can actually afford. Today, the idea of sticking to a home you can afford to gradually build wealth is a “rule” that just happens to be new and old at the same time. Owning a Home is a hedge against inflation as housing will typically appreciate at least 3% per year. Although for the last 50 years we’ve seen appreciation rates of closer to 4-5% per year.  Read More »

Home Scouting: Home Search made easy!

Home-Buyer-Scouting-Report-Dallas-DFW-Homes-For-SaleHome 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!

Accessing Home Scouting on your computer: Look for the Home Search tab listed above and choose the dropdown for Home Scouting Report. At the top of that screen there will be a place to register. Once you register on the site, you’ll be able to access all of the features, save properties to your favorites, and keep your searches for each time you enter the site.

Accessing Home Scouting from your Smartphone: Go to iTunes or Google Play on your phone. Search the Apps using the phrase “Home Scouting”. Download the Home Scouting App at no cost using the VIP Code “3144723684” which is my phone number.

Read More »

What Is The Difference Between A Villa, Townhouse or Condo?

paul exarhou team

Have you ever thought of simplifying your life?  Find out if owning a Villa, Townhouse or Condo might be right for you.  Listen in to hear what the experts have to say about the differences between these types of homes.

The Paula Exarhou Team specialize in representing residential home buyers and sellers, new construction purchases and building, investment property, condominiums and villa home communities and land purchases.  Paula is the #1 seller of villas in the beautiful Chesterfield villa community of Picardy.  The Paula Exarhou Team serve all of St. Louis County, St. Louis City, St. Charles County, Chesterfield, Wildwood, Ellisville, Ballwin and surrounding areas.

Contact Information:

Paula Exarhou

The Paula Exarhou Team

Direct: (314) 560-1771



Liz Henderson

The Paula Exarhou Team

Coldwell Banker Gundaker – Chesterfield/Wildwood Office

Office: (636) 391-1122

Direct: (3140 608-3724


Audio 1:  Villas, Condos, and Townhomes Part 1

Audio 2:  Villas, Condos, and Townhomes Part 2

Audio 3: Villas, Condos, and Townhomes Part 3

Audio 4: Villas, Condos, and Townhomes Part 4

Dan Grosvenor- 5 Star Auto Plaza: The Grandma Rule

dan automotive and auto finance expert webDid you know 5 Star Auto Plaza can work on your car? Dan Grosvenor, Owner of 5 Star Auto Plaza, decided to ask his 93 year old Grandma to be the face of his service department. This was a philosophy that they adopted internally several months ago to make sure that every retail service customer was treated like they were our grandmother. After hearing so many stories of other shops selling things to people that they didn’t really need, Dan felt it important to get his message out there.

5 Star Auto Service center is open to the Public!  Most other big chain service center employees are paid by average ticket price which means that you may be recommended services that you really don’t need. That will NEVER happen with 5 Star Auto Plaza! Call today and set up your appointment 636-940-7600.

Follow the link below for some great service specials:

Contact Information:

Dan Grosvenor

Car Financing Expert
5 Star Auto Sales


Audio 1:  5 Star Auto Plaza and the Grandma Rule

Bill Bayer- Helping You Achieve Success Every Day

bill bayerBill Bayer, with Lighthouse Growth Resources, is a seasoned stock trader, business consultant, money manager, business owner, speaker, writer, husband, and father.

Every business owner and manager would like to see their company grow and flourish. This can be challenging in good economic times. It’s even harder in times like this. Sure, you can go at it alone, but you will accomplish much more with our team of experienced professionals walking alongside you.

Lighthouse Growth Resources helps small business in the greater St. Louis area reach their full potential by offering effective, hands-on consultation and other practical tools tailored for the small business, family business, and not-for-profit organization.

Whatever challenges you or your business face — whether you need help fixing specific problems or simply want to continue to learn and grow — Lighthouse Growth Resources can help you and your business thrive.

Bill is passionate about seeing people succeed and grow. Everything Bill does is centered around helping people achieve success. His dream is to see you achieve your dreams.

.He believes that true success is balanced success. True success requires a balance of personal growth, quality relationships, financial wisdom, and career success. After years of consulting on the business side, I’ve found that true success in business is linked to success in our personal and family lives.

What Bill Does

He is an entrepreneur at heart. He is the Owner & CEO of Lighthouse Growth Resources, a company devoted to helping small business and nonprofits achieve success through individual consulting, bookkeeping services, and digital media marketing.

  • Business consulting, specializing in owner coaching, mergers & acquisitions, succession planning, and financial forecasts.


  • Wealth management, both offering advice and managing money for individuals.


  • Creating other practical resources on leadership, business management, personal development, and wealth management


  • Writing Weekly Insight articles on a variety of topics related to personal development, personal finance, economy and current events, and business success.

Audio 1:  Bill Bayer on the Economy and Housing Part 1

Audio 2:  Bill Bayer on the Economy and Housing Part 2

Mortgage Broker vs. Mortgage Banker

Doug Haldeman Show webMortgage Broker vs. Mortgage Banker

Lenders are the ones who give you the money — either directly or through a third-party — to fund your loan. Lenders have various names based on how they acquire their clients and what they do with your loan after it is funded.

Retail vs. Wholesale vs. Correspondent Lenders

(How Customers Are Acquired)

  • Retail lenders reach out directly to consumers. For example, Wells Fargo has loan officers in local branches who perform all loan origination functions. Retail lenders are sometimes referred to as “Direct Lenders.” Retail lending can be done face-to-face in a bank branch, online or on the phone.
  • Wholesale lenders fund mortgages acquired through brokers who work outside of their company. The brokers find customers and take loan applications and then sell the loan applications to wholesale lenders to fund.
  • Correspondent lenders are a mix between brokers and retail lenders. They technically fund loans with their own borrowed money but typically lock in rates with other lenders at the same time. This mitigates their risk because they can quickly turn around and sell the loan. Read More »

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