How much did Clark Griswold spend on Christmas lights!

Christmas Vacation

Image credit: Warner Brothers

Thanks to our friend Andy Prescott for doing all the research on this subject!

Griswold Christmas Lights Audio: Segment 1

Financial Baggage Part 2: Millionaire Myths

ONE MILLION DOLLARS Here are seven millionaire myths*, and the real facts about the ones who seem to have it all.

Millionaires Don’t Pay Their Taxes

Fact: It is estimated that millionaires, those in the top 1% of earners, pay about 40% of all taxes. Current tax regulation shifts may change these numbers to make this even larger than that – so think twice before accusing the millionaires in America of not paying taxes. (Do you know when you’re going to retire? It might not be as soon as you think.

Millionaires Just Inherited Their Money
According to Thomas J. Stanley’s book, “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy,” only 20% of millionaires inherited their riches. The other 80% are what you’d call nouveau riche: first generation millionaires who earned their cash on their own. Many millionaires simply worked, saved and lived within their means to generate their wealth – think accountants and managers: regular people going to work every day. Most millionaires didn’t get their riches overnight when a rich relative died – they worked for the money.

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Financial Baggage Part 1: Starting From Nothing

empty-wallet-SCEveryone Starts From Nothing

The first thing we want to point out is that everyone starts from nothing. Rich people, poor people, successful people, non-successful people, top achievers, non-achievers – all these people start from a place where they had nothing. Forget about family background, because these aren’t determinants of success – there are as many successful people in this world from poor families as there are from rich families. Let’s focus on one’s personal achievements and knowledge, because these are arguably what one uses to build future success.

You Have Something

The second point we want to make is to invite you to rethink the whole notion that you have nothing. Because every time you think you have nothing, it’s likely the opposite. It’s the whole proverbial notion of whether the glass is half-empty or half-full. There is always something there. The pessimist sees the glass as half empty; the optimist sees the glass as half full. Have you ever considered that the glass has always been all full though? The bottom half is filled with water, and the top half is filled with air.

If you don’t see what you have today as something, that’s because you’ve been living in your own reality for too long, to the point where you take what you have for granted. You’ve developed a mental blindness to the value of what you have. It’s a matter of retuning yourself to recognize those things you have.

Your Problems Are Somethings Too

In fact, everything you have in your life now are all somethings. Including your problems, many of you might be thinking – “How can my problems be of value? They weigh me down. I wish I can get rid of all my life problems.”  Consider looking at your problems as an asset to learning.  Develop an inquiry type relationship with whatever it is that is holding you back .

Define what your “problems” look like.  Are they assets, debt, lack of skills, limiting abilities.  Once you identify those so called problems find the solution.  Your problems are really your assets in disguise. They are your hidden gold mines waiting to be mined and converted into gold. In fact, you should be grateful you have such problems because they are your keys to abundance. It’s with these problems that you become a richer person (not just in physical wealth, but also emotionally, mentally and spiritually).

And Then There Is Something Else

And then even beyond your problems be it liabilities, assets, possessions, knowledge, abilities, skill sets, there is something else that you have.  Even if you have nothing to your name, even if you’ve been declared bankrupt, even if you’re in $100 million dollars in debt, even if you are to lose your job or your life has been decimated, you still have something.

You have you.

And that, I’m telling you, is the most powerful thing you can ever have in your entire life. It’s the one thing you ever need in your entire life to create the life you want. Because you have more power in you to create than anything else in the world that you can acquire.

It doesn’t matter whether you are $100 million dollars in debt; you have the ability to reverse it and earn more. (Which was exactly what Donald Trump did – He was $0.9 billion dollars in debt in the 1990s and reversed that in a year, to emerge a billionaire with $3b in net worth – 3 times richer than his highest point of wealth before his debt.)

It doesn’t matter if you have no friends now to speak of; you have the ability to get out there and make new friends.   Whatever asset you can acquire is nothing in comparison to your ability to create, synthesize thoughts, break down problems, form solutions, build structures, move mountains, and more.

Focus on What You Want, not What You Have Now

If we always base our decisions on what we have or don’t have in this moment, we’re never going to get far. Because we’re limiting ourselves based on our history. You become a function of your past. You become a shadow of your past. That’s just surrendering yourself to what you had in the past, which is a very disempowering way to live. It merely serves to reinforce the status quo. Your current state is not a determinant of who you can be or what you can have. Remember, you have unlimited power in you. Focus on your WHAT, not your HOW.

Remember everyone starts from somewhere.  It doesn’t matter what you have or don’t have now.  It’s more important that you get clear on what you want and move toward there.  Develop a life plan.  Write it down on paper.  Get committed to change.  Launch yourself into your own life.

If you are struggling on creating momentum reach out to Doug Haldeman at 314-472-3684.

Financial Baggage Part 1: Segment 3

Money Mentality: What is your financial baggage?

doug and tam money pit smallRemember the show Money Pit?  Did the Fielding’s aka Tom Hanks and Shelly Long carry forward their money baggage from  their past?  Have you ever wanted something so bad you are willing to believe the con?

Doug and Tammie are joined by their son Derek  to discuss what financial baggage people carry around.  The discussion challenges everyone to really think about money in a different way.  Understanding first where our baggage comes from is the biggest step in leaving it behind.

Let’s define ‘Money Baggage’: It’s not living paycheck to paycheck. It’s not your mounting credit card debt.  This isn’t even about your empty savings account. Those and all the other negative things about your money life have nothing to do with the real money baggage you’ve been carrying all your life. They’re only clues for unloading the baggage that keeps you from moving forward with your finances.

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Commercial Real Estate with Greg Schowe

Greg Schowe show cardBorn and raised on the family farm in east central Missouri, Greg knew at an early age the definition of hard work and an honest living. After high school Greg applied the traits learned on the farm and enlisted in the U.S. Navy for 6 ½ years. After military life Greg decided to pursue the mortgage and real estate industries. Since 2003, he has been licensed to sell real estate. His emphasis started out in the apartment industry and later bridged over to include retail, office and gas stations, and businesses. His attention to detail and his honesty are just a few of the traits his clients have boasted about Greg. He also believes real estate is a relational business proven in that many of Greg’s clients have relied on him in multiple transactions and call him on a regular basis to get his feedback and in depth knowledge about current trends and analysis of the commercial real estate market. Greg’s clients include banks, corporations and individual investors. Recent awards include 2013 St. Charles County Association of REALTORS Commercial Member of the Year and 2014 National Association of REALTORS Commercial Recognition Award. Greg also has become the 1031 Exchange expert in the Midwest and has taught the subject to attorneys, CPA’s and real estate professionals since 2004. Greg’s passion of helping veterans continues as he currently serves as President of God Cares, a privately funded nonprofit group that provides financial aid and resources to veterans who are unemployed or homeless. Greg currently lives in O’Fallon, MO with his wife, Melanie; daughter, Nora, and dog, Chauncey. Greg’s hobbies include golf, baseball and spending time on the family farm.

Call Greg today!


1031 Tax Deferred Exchange with Greg Schowe

Greg Schowe show cardGreg Schowe  with United Country Real Estate- Commercial  joins Doug and Tammie in the studio to help shed some light on the 1031 Tax Deferred Exchange opportunity for investors.

The payment of income or capital gain tax on the sale of property can be voluntary thanks to Section 1031 of the Internal Revenue Code which is one of the most underutilized sections of the tax code.  Maybe for the laymen better understood as a 1031 Rollover.  Basically the gain is rolled over to a new property. There are an unlimited number of times an individual can successfully rollover gain and postpone tax. The ultimate goal is to make this tax disappear by one of two ways:

1. Sellers may successfully rollover gain and ultimately move into one of their investment properties and declare it to be their primary residence. Provided they are married and have held the property for five years, reside in the property for a minimum of two years, they can exempt $500,000.00 in taxes upon the ultimate sale.

2. Capital gains taxes are eliminated upon the death of the property owner. Heirs receive a step up in basis on the date of death.

Below are some simple points to master to have a clear understanding of the rules pertaining to 1031 exchanges.

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Commercial Real Estate- Is It For You?

Greg Schowe show card

Listen this Sunday at 4pm to FM NewsTalk 97.1 as Doug and Tammie interview Greg Schowe, Navy Veteran and Sales Associate with United Country Commercial shares his journey in life and what he does to make a difference for others in today’s Commercial Real Estate Market for the New or Seasoned Investors. 


Home Buyer Checklist Once You Are Under Contract

Home buyer guy Congratulations you are under contract!   You have successfully negotiated a price and signed a contract on your new home.  Now what?  The contract to closing period can be one of the most stressful parts of the home buying process, so Doug and Tammie have put together a checklist of steps to help you.  Check out our: Homebuyer Checklist When Read To Close


Donna Joerling “The Property Whisperer”

Donna Joerling Show CardDonna Joerling with the Joerling Group Real Estate Company joins Doug and Tammie in studios to discuss what rural property and second homes have to offer to buyers and sellers.

Tammie says, “Donna  is ‘The Property Whisperer’, She just has this magnetic energy about her that inspires you to enjoy life and see the potential in everything.”

Donna was born and raised in the rural community of Hermann, MO.  She has learned her work ethics by working with her family on their farm and has this ability to find the diamond in the rough.  With her multiple skill sets and background experiences Donna makes the home buying and selling process a piece of cake!

Call Donna today! Interview her, meet her and then decide if you believe in your heart that she is someone that you can entrust your real estate journey with!

Donna Joerling

Owner & Broker


Segment 1 with Donna Joerling Part 1

Segment 1 with Donna Joerling Part 2

Segment 2 with Donna Joerling



Survival At Home: 45 Ways To Save Money

survival at home

Doug and Tammie share a greate article from Survival at Home.

It’s no secret that life is expensive. The bad news is, it gets more expensive every year. Inflation drives up the cost of living, gas prices go up year after year, and the older your kids get, the more they eat (so learn to save money on your groceries now). There is a little good news, though – there’s a ton of ways to save money on your monthly bills! I love to save money! Who doesn’t, right? Some of these tips might sound basic and pretty obvious, but putting them together in practice can save you tons of money each month.

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