Preventing Home Foreclosure

Home Scouting: Home Search Made Easy!

hbm cell imageDoug Haldeman, Mortgage Strategist (NMLS: 298419) with Cornerstone Mortgage shares the free service with his listeners.

He discusses some of the benefits of the Home Buyer’s Scouting Report and how it is a great way for the consumer to shop for their next home or investment property.

If you are considering buying a home in the next 12 months be sure to visit the Home Search Tab above or you can download the mobil app on your phone.

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Advice for 18-20 Somethings

A-Guide-for-Young-People-What-to-Do-With-Your-LifeDoug and Tammie’s son Derek joins today’s show to canvass what it’s like trying to figure it out at a young age.


Part one:

Part two:



Economic Update

economic updateDoug and Tammie Haldeman alongside producer Tom Terbrock discuss an economic update.


Stephen Burton of Waterproof Solutions

stephen burton show announcement

Stephen Burton is an expert when it comes to cement, concrete, and carbon fiber. If you or anyone you know has foundation issues with your home contact Stephen Burton at 636-236-9933.

You Might Be Ready to Move If… Top 10 Reasons

ReadyToMove1We get called on a weekly basis from people that want to move. We help by providing mortgages, and we help match you with the best Realtor. My contact info is listed below, reach out if you need help or advice.

There are many reasons why someone wants to move. Some are for positive life changes and others are for negative reasons. We’ve narrowed it down to the Top 10 Reasons it may be time for YOU to move. Read More »

Kids Chore Chart System

Kids Chore ChartDoug and Tammie agree that raising children to be responsible adults takes organization and teamwork.  They have tried and failed on other Chore Chart Systems so far the one they have landed on is working and wanted to share the details.

Here’s how it works:

Personalized Chore Chart

It starts with the weekly Personal Chores.  Each child can be different on these depending on what it is they need to work on.  However, the PC’s are chores they have to do every day.  We fill these in together at the end of the day.  It gives them input and they are more apt to do them and eliminates the whine factor and we are not talking about your favorite Merlot here.

These chores are the basics as we tell the kids.  They are not back breaking just good habits to get into.  Things like brushing their teeth, taking a shower, make their bed, do their homework.  For these personal chores they receive Merits that are turned in for time on the computer, Ipad, TV, X-Box.

Merits/Demerits (merit demerit pdf)

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Financial & Marital Harmony

handmoney3aListen in as Doug and Tammie Haldeman alongside Producer Tom Terbrock discuss the number one problem in marriages: money, and what you should be doing to avoid the issue.

It’s this simple: Money can ruin your marriage. In fact, it’s the number one problem in marriages and the number one cause of divorce.

People often underestimate the commitment in merging two lives together. The reason we fight most about money is because it’s the most measurable. Sure, compromises also need to be made when it comes to issues of time, space and affection, but with money, the give and take is quantifiable. Read More »

TSS A New Disease. Do you Have It?

we-buy-houses-in-birmingham-alabama-200x300Tune in as Doug and Tammie Haldeman alongside Tom Terbrock discuss the symptoms of TSS a new disease. Toxic Seller Syndrome. Do you have it?

Selling a home is a stressful process — the pressure is on to move the home quickly and at a good price. Ideally, you’ve done your homework and selected a great agent, and spent time making your home sparkle, and now it’s practically HGTV-style ready to sell!

“Then what’s the holdup?” you may be wondering when your listing lags.

I hate to be the bearer of bad news, but have you considered that you may be the issue?

Here are a few of the most notable ways you could inadvertently be sabotaging your own home sale. Read carefully through the “symptoms” below to see if you are indeed suffering from Toxic Seller Syndrome.

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St. Louis Real Estate News

Two St Louis Areas were the most profitable zips in the U.S. for flipping property in 4th quarter

Two zip codes in the city of St Louis made RealtyTrac’s list of “Zips with the highest gross returns (from flipping property)” for 4th quarter, 2014.  The 63139 zip code, which includes the Dog Town area of St Louis, came in number 2 on the list with an average gross return on investment of 163.9% and the 63116 zip code, which includes Tower Grove South, Holly Hills, Dutchtown South and Bevo, came in 9th on the list with an average gross return on investment of 127.7%.
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