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)

Three Bad Debt Scenarios & How To Overcome The Bad Debt Trap

bad debt trapThere are some major life events that can put many of us in a financial ‘bad debt trap’.  Such as student loans, credit card balances, and even large mortgage payments can all make us feel in a financial trap.  If you’re feeling like there’s no way out of your debt, here are three bad-debt scenarios and options for overcoming the financial burden.

1.  Student Loans

It’s very important to pay your student loans on time and never skimp on the payment. Student loans are usually in the form of installment loans, and if you make your payments on time and make the full payment due on each installment, you can really help strengthen your payment history, which can impact your credit score.

If you’re struggling to make the minimum payment, there are some options available, such as consolidating your loans or contacting your lenders and negotiating a lower rate. Be careful before considering either option, however, because depending on the route you take, it could show up on your credit report and affect your score.

2.  Credit Card Charges

Creating a budget and adhering to a plan to pay off credit card debt can be a very rewarding accomplishment. Your first step should be to look at your budget to see where you can cut costs. Luxury expenses like dinners out on the town or designer clothes should be easily crossed off your budget lines. If you feel like you’ve already trimmed your budget as much as you can, there are some alternatives to consider.

One solution for handling credit card debt is to transfer your balances to a new credit card with a lower interest rate. Before you take advantage of credit card offers with a low interest rate, understand that many times this is just a limited-time introductory rate and that there may be other terms and conditions, such as balance transfer fees, that you need to consider.

 3.  Big Mortgage Payment

If you have equity in your home and solid credit, one option might be to refinance your loan for a lower interest rate or a lower payment. Refinancing isn’t for everyone and there are usually strict criteria to qualify for refinancing. Make sure you do your research and consult with the Doug Haldeman Team at 314-472-3684 .

If the timing and the market is right, you might consider selling and downsizing to get out of your high mortgage payment. If you have equity in your home, you may be able to earn enough profit to help get you out of other debts as well.


Whether these options work for your financial situation or not, one important factor to always consider is your budget. If you’re spending more than you’re bringing in, getting out of debt will always be a struggle. Understand the role that credit and budgeting plays in your financial decisions, and check with those you trust to make sure you’re making the right decisions for your lifestyle.

Contact Information:Doug Haldeman Show web

The Doug Haldeman Team

Doug Haldeman NMLS#298419

Cherry Creek Mortgage NMLS#3001

13321 N. Outer 40 Suite 500 | Chesterfield, MO 63017
Phone (314)-472-3684 | Fax (866)-323-2810 | Email

Your Wake Up Call To Waking Up To Water Damage

andrea rothmarie roth

The scenario of waking up to a rushing water sound coming from your basement, or a mysterious pool of water from your refrigerator or the infamous sewer back up can be very upsetting… We invited Premier Restoration Services on the show to help us understand the process of what to do when you are faced with “What do I do now…”  Listen in as they provide helpful tips on this very topic.

  Here is the link for the Helpful Tips



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The Granddaddy of Real Estate Investing, Ron LeGrand, is Coming to St. Louis!!!

ron legrandShaun McCloskey from Lifeonaire REIA StL, Co-Hosts as we interview Ron LeGrand, the Granddaddy of Real Estate Investing.  Ron is coming to St. Louis on August 13th.

To register for the free event, visit

Here is what Shaun McCloskey had to say about Ron LeGrand:

When I first got introduced to real estate investing back in 2003, I was given a very valuable lesson.  A friend of mine said, “If you want to be the best, you’ve got to learn from the best.”  I’ve since embraced that advice and come to learn that the worst advice you can take is free advice from people with no experience.  

Shaun MccloskeyThat being said, I remember way back then I started learning from a guy named Ron LeGrand.  They called him “The Grandaddy of Real Estate Investing” because he’d been doing it longer than anyone else out there.  And he was good.  REAL good. 

I’ve always wanted to meet Ron in person and still to this day haven’t.  I feel like I know the guy personally after listening to his tapes and CD’s for years and years, and I’m happy to announce that not only am I going to get to meet him face to face, so are YOU!  I don’t know how we pulled this off, but we’ve managed to talk him into coming to speak at our August 13th REIA meeting – right here at Lifeonaire REIA St. Louis!   Ron typically doesn’t come and speak at REIAs that do not have a minimum of 300 people so consider this my gift to you… and a little more proof that “you never know unless you ask!”

Over the next few weeks, he’s also agreed to share some really good free training videos with each of you in preparation for the meeting.  So right now, mark your calendar that you’re going to be there, August 13th, at 7 pm, 6 pm for networking, Spazio’s in Wesport, 12031 Lackland Road, St. Louis, MO 63146.  Also there will be an extra bonus of a Saturday workshop on August 16th from 8 to 3, check out the details and get registered HERE.

Make sure to RSVP our our meetup page at and like us on Facebook.

Ron Legrand Interview:  Part One

Ron LeGrand Interview:  Part Two

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 »

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