Stephen Schultz Gives Advice on What to Do after an Auto Accident

Stephen Schultz from Schultz & Myers discusses what to do after an auto accident and much more!

-What is the correct procedure to take after an auto accident?
-How to complete the claim correctly
-Underinsured motorist coverage
-Hit/run procedures
-Uninsured motorists
-Medical payments after an auto accident
-Diminished Value Claim
-Police Report
-Form 1140
-What type of injuries are compensable?

For legal advice, be sure to reach out to Stephen Schultz and his team at 314.444.4444,, or visit Schultz & Myers where there is an operator available to chat 24hrs a day.

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Part two:

Cornerstone Mortgage Teams Up With Cooper Realty to Host A FREE Home Buying Class!

safe_imageDoug Haldeman alongside The Cooper Group powered by Keller Williams Realty will be hosting a FREE hands-on home buying class March 12th, 2015 from 6:30-8pm at Cornerstone Mortgage, Inc. 17280 North Outer Forty Road #100
Chesterfield, MO 63005


You can RSVP at seats are limited and expected to fill up quickly. Listen in to learn who the best candidates would be to attend the class and some of the benefits you will gain by attending:

Who are the best candidates to attend?

  • First time homebuyers
  • Renting
  • Living with parents
  • New couples
  • Divorcees
  • Comeback buyers
  • Kids of listeners to the show

Some of the benefits you will gain by attending:

  • How to buy a home in today’s market
  • Having a plan when preparing to buy a home
  • Why learning online about the home buying process may not be applicable to our market
  • Why you should buy today instead of waiting a few years
  • Homes appreciating at 5% per year
  • Will you cover the tax benefits of home ownership?

You also have the opportunity to get pre-approved in person by Doug Haldeman!

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Part Two:



47 Easy Ways to Make Your Home Sell Fast!

sell-your-home-fastlyListen in as Doug and Tammie Haldeman alongside Tom Terbrock discuss 47 easy ways to make your house sell fast. You can read the tips below, find them with other useful tools in Doug’s Resources, or download them directly here.

Throughout The House
1. Open the draperies, pull up the shades, and let in the sunlight.
2. Create a positive mood. Turn on all lights, day or night, and install higher wattage light bulbs o show your home brightly.
3. Remove clutter from each room to visually enlarge the.
4. If you have a fireplace, highlight it in your decorating.
5. Keep your home dusted and vacuumed at all times.
6. Replace the carpet if it does not clean up well.
7. Have a family “game plan” to get the home in order quickly if necessary.
8. Air out your home for one-half hour before showings, if possible. 9. Lightly spray the house with air freshener so that it has a chance to diffuse before the buyer arrives.
10. Put family in photos in storage.
11. Improve traffic flow through every room by removing unnecessary furniture.
12. Create the feeling of a spacious entry area by using decorative accents and removing unnecessary furniture.
13. Putty over and paint any nail holes or other mishaps in the walls.
14. Paint all interior walls a neutral color to brighten the home and make it look bigger.
15.Repair or replace any loose or damaged wallpaper.
16. Clean all light bulbs and light fixtures to brighten the home. 17. Wash all windows inside and out.
18. Use plants in transitional areas of your house.
19. Make the most of your attics potential.
20. Remove and/or hide excess extension cords and exposed wires.
21. Open doors to areas you want potential buyers to see such as walk-in closets, pantries, attics, etc.
22. Remove all smoke and pet odors.
23. Repair or replace banisters and handrails.

In The Kitchen
24. Microwave a small dish of vanilla twenty minutes before a showing and place it in an out-of-the-way place.
25. Highlight an eat-in area in your kitchen with a table set for dinner.
26. The kitchen and bathrooms should always be spotlessly clean.
27. Expand your counter space by removing small appliances.

In the Bedrooms
28. Create a master suite effect in your decorating.
29. Depersonalize bedrooms and decorate in a neutral color scheme. 30. Make sure that the beds are made and the linens are clean.
31. Organize your closets, remove unnecessary items and put them in storage.

In the Bathrooms
32. Do not leave towels around and wipe down the sinks and shower areas after each use.
33. Re-caulk the tub if the caulk is not sparkling white.
34. Repair or replace broken tiles in the shower/tub.
35. Replace shower curtains and keep them clean.
36. Put out fresh towels and decorative soaps.

37. Keep the yard mowed and raked at all times.
38. Use flowering plants to dress up the yard, walkway, and patio. 39. Remove all toys, bicycles, tools, unsightly patio furniture, and trash from the yard.
40. Porches, steps, verandas, balconies, patios, and other extensions of the house should be kept uncluttered, swept, and in good condition.
41. Paint all entrance doors.
42. Make sure the garage door opens easily. Fix and paint the garage door if necessary.
43. Clean and shine all hardware and accessories indoors and out (door knobs, knockers, lamps, mail box, address numbers, etc.)
44. Trees and shrubs should be trimmed and pruned.
45. Use a new doormat.
46. Be sure the front doorbell is in good working order.
47. Be sure the front door and screen door work perfectly. Part one:

Part two:

Stress During The Home Buying Process With Ryan Leach


Part one:

Part two:

St. Charles County Assessor Scott Shipman Talks Personal Property & Property Taxes

Show_Announcement.Scott-ShipmanListen in as Doug and Tammie Haldeman alongside Producer Tom Terbrock and St. Charles County Assessor Scott Shipman discuss everything you need to know about Personal Property Tax and Property Tax:

Personal Property Tax:

  • What is the personal property tax process?
  • What is included?
  • How is the amount calculated?

Property Tax:

  • How often does the county assess the value?
  • Can the tax amount change for any reason other than the assessment?
  • New Construction – how does the county handle the assessment?
  • What does property tax cover?
  • What is the range of tax rates that you see in St. Charles County?
  • How close is the assessed value to the actual value of a home?
  • Do finished basements effect the assessment?

If you are on a fixed income and need assistance paying your property tax visit: Missouri Property Tax Credit Claim to learn more.

County Assessment Websites:

Franklin County
Jefferson County
Lincoln County
Madison County
Monroe County
St. Charles County
St. Clair County
St. Louis City
St. Louis County

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Part Two:


Home Scouting Updated VIP Code

Home scouting is one of the best programs to use when searching for new properties. Some people might use Zillow or Trulia but the issue with these real estate search engines is that they are missing at least 30% of the listings that are out there. These websites don’t have direct access to the MLS that agents use. Home Scouting has 100% of the listings that are on the MLS and it also provides a user friendly interface. You can access Home Scouting here on Doug’s website by finding the Home Search tab which will link you to Home Scouting or you can download the Home Scouting app directly to your smart phone. When you enroll use Doug’s updated VIP code: DougH (not case sensitive) and you can start searching like a pro today.


10 Things Your Middle School Kid Desperately Wants You To Know

25-parentingTune in as Doug and Tammie Haldeman alongside Tom Terbock discuss why young adults have misconceptions about money and how that ties in with the way they feel about themselves starting at a young age:

1. I am reckless for a reason
2. I want you to show me love
3. I need encouragement, but you do not mention my strengths often enough
4. I need to talk to you about a few things, but will you listen?
5. I do not need to be nagged to do things all the time
6. I need my down time
7. I am under a lot of pressure
8. I am not getting your full attention as you are always on your smartphone
9. I need lots of foo, but I often find the fridge is empty
10. I cannot tell you everything

10 Things Your Middle School Kid Desperately Wants You To Know were posted by: Robert Locke on


Tune in with Doug Haldeman and Adrian Kleeschulte of Cornerstone Mortgage along side Tom Terbrock while they discuss everything you need to know about PMI:

-What is PMI?
-Is there a way to avoid PMI with less than 20% down?
-What is lender Paid Mortgage Insurance?
-I heard the term Mortgage Insurance Premium or MIP, is that different than PMI?
-What is a piggyback loan?
-When a lender advertises that they can do a loan with less than 20% down with no PMO, how do they do that?
-How does PMI effect your interest rate?
-Does credit score effect your PMI amount?

What Can Kill A Deal

Listen in as Doug Haldeman and Adrian Kleeschulte of Cornerstone Mortgage along side Tom Terbrock discuss the following topics and how they can kill a deal:

-Write offs on tax returns
-Undisclosed property
-Misunderstandings about employment
-Making a purchase during the process
-Surprises on credit
-Home inspections
-Bad lender


Puppingham Palace

16540 Manchester Rd
Wildwood, MO 63040

Listen in as Doug Haldeman and Adrian Kleeschulte of Cornerstone Mortgage along side Audrey Treis and Shantell Biddlecome of Puppingham Palace talk about what your pet’s are doing when you’re not home and many other puppy topics!

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