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 […]
Consumer View
Karaoke Showdown Time- November 6th 7pm
Join in on a night of karaoke! Make some new friends and sing like nobody’s listening! The evening is full of prizes and fun! All you karaoke peeps – This is for YOU – register before your chance for some killer cash and an awesome time is gone! Contestants must register in advance go to […]
8 Costs That New Investors In Real Estate Do Not Consider
Doug and Tammie share a list of 8 things investors must consider when investing in real estate. Unexpected Repairs A home inspection is a vital component in assessing whether or not a property is worth pursuing. The inspection report can reveal many inherent problems related to items such as roofing, electrical wiring, plumbing connections and […]
Are You Living House Poor?
One common problem that people run into is that they become house poor. What does this mean? You are house poor if you have no extra money to pay for emergencies, cover your expenses and save for the future, because your house payment is too large. Your house payment should be about twenty-five percent of […]
Should You Have a Mortgage During Retirement? Or Should I Rent?
As a natural transition in life is to retire one may ask the question: Should I have a mortgage during retirement? Is it better to own your home free and clear? Or are you better off using your nest egg for another purpose, such as having that financial cushion for the unforseen. The answer to […]
MOVE IT OR LOSE IT! Declutter your space!
Clearing out clutter before a move or selling your home can feel overwhelming, but with a few expert tips, it can be painless. Really! If your belongings are taking up precious square footage in your home, it may be time to re-evaluate whether you really need everything you own before your next move. When you’re looking […]
SHORT SALES WITH KAYSER LAW FIRM
Short Sales are the “New Normal” for homeowners with mortgages. Without a negotiator you could be losing out on someone in your corner. Elizabeth Kayser and Ryan Hyde of Kayser Law Firm joins Doug and Tammie in the Cornerstone Studio to explain and dispel any myths of what a Short Sale is. Simply put, short sales begin […]
IRS Budget Cuts = More Tax Liens and Tax Collections For The Taxpayer
John Niemann, CPA joins Doug in the Cornerstone Mortgage Studios to discuss how the IRS Budget Cuts are effecting the Taxpayer. The “Tax Gap” is IRS’ estimate of tax the Treasury misses out on, each year, because of non-filing, underreporting of income and underpayment. The total is estimated at $450 billion a year and $45 […]
Selling A Home To A Relative With John Niemann & Doug Haldeman
Generally, the Internal Revenue Service doesn’t care who you sell your house to. Whether it’s going to your son, your second cousin or a stranger, you’ll pay the same taxes and get the same treatment. However, there are a few special situations where the IRS takes a more careful look. Generally, if you’re setting up […]
Is An ARM (Adjustable Rate Mortgage) The Right Loan For You?
Is an ARM (Adjustable Rate Mortgage) the right loan for you? Some think that interest rates aren’t low enough to justify refinancing. However, don’t miss the opportunity that an ARM may present. Moving to a 15 year fixed is popular because the interest savings can be big. With the lower interest rate comes a much […]
