Smart With Your Money With Doug Haldeman: Recent Episodes
Smart With Your Money With Doug Haldeman
Leaving the Radio, Going Strictly Online This is officially our Grand Finale! It is a little bittersweet to be leaving 97.1 FM, but we’ve had a great run. This show marks 275 weeks on the air, over 5 years! We will now be switching entirely to our […]
The post Grand Finale: Don’t Miss Our Last Radio Show Appearance! appeared first on Smart With Your Money.
Everyone 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 […]
The post Starting From Nothing appeared first on Smart With Your Money.
Anthony Gray Properties We are joined by Pam Schroeder of Anthony Gray Properties. Pam launched Anthony Gray Properties after having been in the real estate business for over 17 years, aiming to provide a level of service not found elsewhere. We wanted to chat […]
The post Anthony Gray Properties with Pam Schroeder appeared first on Smart With Your Money.
The Importance of Real Estate Photography Shelly McGrael is the owner of Studio 724 Photography which specializes in real estate and architectural photography. She is here with us to discuss the importance and benefits of professional photographs in real estate. With the prevalence of […]
The post Shelly McGrael and Studio 724 Photography appeared first on Smart With Your Money.
Overcoming Adversity & Crisis Management Most people experience setbacks at some point in their life. Have you ever had a setback that you’ve had a hard time recovering from? Listen to our show about Overcoming Adversity & Crisis Management. Overcoming Adversity – Job loss, divorce, custody fights, illness, massive […]
The post Overcoming Adversity & Crisis Management appeared first on Smart With Your Money.
Bryan Kelsey Bryan Kelsey is the president of Excelsior Relocation and has been involved in real estate for over 20 years. Bryan is a veritable data guru, and has created his own set of software for analyzing real estate. We asked him on the show to share […]
The post Real Estate Data Guru Bryan Kelsey appeared first on Smart With Your Money.
Getting a Home Loan: What You Need to Know About Your Interest Rate Interest rates are often a big part of the conversation when you are getting a home loan. Most people want to secure the lowest rate possible while still maintaining low fees and […]
The post Should I Float or Lock My Interest Rate? appeared first on Smart With Your Money.
Equifax Breach It’s likely you’ve now heard about the Equifax breach of over 140,000,000 American’s personal data. If you have a credit card, car loan, mortgage, or have even ever inquired about your credit it is very likely that you have been affected. Many people’s sensitive information […]
The post Equifax Security Breach appeared first on Smart With Your Money.
Smart With Your Money as a Couple 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. […]
The post 6 Rules To Be Smart With Your Money as a Couple appeared first on Smart With Your Money.
Finance Your Dream Home with One Loan Have you thought about buying a “fixer-upper”, but you’re not sure where to get the money for renovations? Maybe you have the money to renovate, but the thought of losing that much liquidity scares you. Perhaps, you have been in your home […]
The post Renovation Loans: Finance Your Dream Home appeared first on Smart With Your Money.
6 Reasons to Refinance You may find that refinancing could save tens of thousands of dollars in interest and years of mortgage debt repayment. It does take some effort to get the process started. However, the time and effort spent could easily be worth it depending on your situation. Here are 6 reasons to refinance, […]
The post 6 Reasons to Refinance: How To Take Advantage of Appreciation and Low Rates appeared first on Smart With Your Money.
Loan Officer or Debt Strategist? In your last mortgage transaction were you working with a true mortgage professional? I believe that a true mortgage professional should be more than a Loan Officer, they should be your Debt Strategist. Many people have professionals managing all other parts of their financial […]
The post 6 Crucial Questions To Plan Your Mortgage appeared first on Smart With Your Money.
Decrease Debt The ideal scenario for people is to start with a fresh slate, decrease debt and still meet your monthly obligations. Defining your needs and wants is a great place to start. Unfortunately, this isn’t the case for most people. I know this story all too well. I […]
The post Top Strategies to Be Smart With Your Money appeared first on Smart With Your Money.
Don’t Go Out Without HomeScout If you are looking to purchase a home within the next year it’s likely your home search will begin online. Many of our listeners have found that the HomeScout app is the best place to start. It has 100% of the MLS listings and your information is […]
The post HomeScout: The Most Accurate Real Estate Search Engine appeared first on Smart With Your Money.
Kid Money Wasters- We all know that kids can be very expensive. There are many reasons that we end up spending more on our kids than necessary. Sometimes we’re worn down. Sometimes we think that we want them to have more than we did, so we spoil them! As I look at the financial picture […]
The post Top 12 Kid Money Wasters appeared first on Smart With Your Money.
Protecting Yourself In A Sales Contract During the home buying process many decisions have to be made: Determining how much to offer for a home, whether or not you’d like to ask for seller concessions, and when you’d like to ideally close on your new home are just […]
The post Protecting Yourself In A Sales Contract appeared first on Smart With Your Money.
Big Announcement We have had so much fun and it has been such a pleasure to have The Doug Haldeman Show on the air on 97.1FM for over 5 years. We are announcing that we are leaving the air to focus on our passion of helping people […]
The post Big Announcement and Why We Do What We Do appeared first on Smart With Your Money.
The Truth About Money You may have heard that it’s best to have the smallest mortgage you can and to pay it off as quickly as possible. Or perhaps you have heard to save up as much money as you can to throw it all at your […]
The post 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman appeared first on Smart With Your Money.
Credit Inquiry Most of us know that a credit inquiry has an affect on our overall score. There is a lot of misunderstanding about how they can affect your score. The easy answer is that it is the frequency and proximity of inquiries that has the greatest effect. Basically, the more you have your credit […]
The post Credit Inquiries: How Do They Affect Your Credit Score? appeared first on Smart With Your Money.
Tax Resolution Specialist John Niemann is with us to discuss tax resolutions. John has been been specializing in tax resolution for almost two decades and has a ton of experience in the area. If you owe the IRS back taxes you will want to have someone on […]
The post Tax Resolution with John Niemann appeared first on Smart With Your Money.
What Is Tax Deductible In The Loan Process? The tax benefits can be one of the biggest perks of owning a home. The deductions you can take can save you a bunch of money, read on below to find out what is tax deductible in the loan process. Home Acquisition […]
The post What Is Tax Deductible In The Loan Process? appeared first on Smart With Your Money.
Personal Interview I’ve wanted to do a personal interview for some time now. To share what my upbringing was like and what shaped me to seek out the knowledge I have. Be sure and give the podcast a listen at the bottom to hear the full interview […]
The post Personal Interview with Doug Haldeman appeared first on Smart With Your Money.
Unless you are one of the rare homeowners with the financial ability to pay two mortgages at once, buying a home before selling your current home is not really an option. Given the fact you need to sell your current home to pay for a new one, you will need to prepare yourself for a certain level of uncertainty.
The post Strategies To Buy and Sell a Home At The Same Time appeared first on Smart With Your Money.
It's one of the American dreams to own your own business and work for yourself. There are many benefits that come with being your own boss, however there are some negatives as well. Being self-employed comes with its own set of difficulties, and qualifying for a mortgage can be one of them. I wanted to outline some of the things lenders look at when you're self-employed, and what to expect when going through the process.
The post How To Qualify For A Mortgage When You’re Self-Employed appeared first on Smart With Your Money.
It's likely that buying your first home will be the biggest purchase of your life so far. Going from renting or living with family to being a homeowner is a big transition, and the process can be a little intimidating. You will no longer have a landlord to call on when something breaks, but homeownership is one of the largest vehicles for generating wealth. Let's take a look at the 8 steps to take before buying your first home.
The post 8 Steps to Take Before Buying Your First Home appeared first on Smart With Your Money.
One of the most important books I've read in my life is "The Millionaire Next Door" by Thomas J Stanley. The book was written in 1996, and $1 million may not be as much as it used to be, but the concepts in the book still ring true. The book was written out of the research the authors did on the profiles of millionaires, or households with a net worth over $1 million. Let's take a look at some of the key concepts of the book, and what the millionaire next door really looks like.
The post The Millionaire Next Door: How To Grow Wealth appeared first on Smart With Your Money.
If you are like most people, your home search begins online. Home Scout is the newest real estate app, it is invite only, and we wanted to offer you the chance to test it out!
The post HomeScout: Try the Newest Real Estate App! appeared first on Smart With Your Money.
Having the “Money Talk” with your Parents Having the “Money Talk” with your parents can be very uncomfortable. However, it is necessary to have now, before it becomes a problem in the future. People tend to not like talking about money or death, so when you combine the two it can cause some discomfort. […]
The post Having the “Money Talk” with Your Parents appeared first on Smart With Your Money.
Closing the Gap Between your Financial Reality and Goals Most of us are failing miserably with our finances. Personal savings rates are at an all time low, retirements savings are non-existent, and overall net worth is diminishing. Nobody wants to be terrible with their finances, so why are we failing? We’ll take a […]
The post Closing the Gap Between your Financial Reality and Goals appeared first on Smart With Your Money.
My Partner has Bad Credit; Can We Buy a House? You’ve scrimped, saved, and made sure every bill is paid just to be in the perfect position to purchase a property. You’ve got great credit, but how about your partner? Eh, not so much. This is a very common issue that I run into on […]
The post My Partner has Bad Credit; Can We Buy a House? appeared first on Smart With Your Money.