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Personal Finance

Why Cornerstone Mortgage?

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Cornerstone Mortgage, Inc. continues to be one of the leading retail Mortgage Bankers each year. Cornerstone Mortgage, Inc. was named A Top 100 Mortgage Company in America by Mortgage Executive Magazine. Cornerstone has been featured as one of the fastest growing mortgage companies in America by INC. 500/5000 for 4 years in a row. Revenues […]

Faking A Predictable Paycheck When You Have Fluctuating Income

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Listen in as Doug and Tammie Haldeman along side Tom Terbrock discuss how to develop a strategy that will allow you to “fake” a steady, predictable paycheck in the midst of fluctuating income and why it’s worth it to go through the trouble. 1. Calculate Your Ideal “Fake” Salary 2. Deposit All Your Income Into […]

Dear 40-somethings, Find Balance in Your Life With These 6 Financial Tips

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If you’re in your 40s, you could be considered a late baby bloomer or Generation X. Either way, you’re at a time in your life when you’re putting youth aside and should be doing some financial planning for your future and your family’s future. Listen in as Doug and Tammie Haldeman along with Tom Terbrock […]

It Pays to Pay Attention: 10 Everyday Details Worth a Second Glance

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Listen in as Doug and Tammie Haldeman along with Tom Terbrock discuss 10 everyday details worth a second glance. 1. Shopping Receipts 2. Medical Bills 3. Recurring Charges 4. Yearly Taxes 5. Insurance Policies 6. Credit Report/ ID Theft 7. Extended Warranties 8. Direct Deposits 9. Reviewing Bank Statements 10. Knowing the Interest Rates

Understanding The Impact of A Strong Dollar

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The European Central Bank announced on January 22, 2015 that they would begin buying bonds worth 60 millions euros ($69.7 billion) a month. The quantitative easing bond buying program will last from March 2015 until September of next year. The ECB should end up purchasing over 1.1 trillion euros in assets. The announcement comes as […]

Debt Collection Practices

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Listen in as Doug and Tammie Haldeman alongside Tom Terbrock and Stephen Schultz with Schultz & Myers law firm discuss questions about debt collection practices.   Collection Agencies Vs. Auto dialers When it comes to different types of debts the Federal Trade Commission is the governing body. What types of debts are covered by this act? If […]

Dear 20-Somethings, If You Don’t Know These 7 Important Things About Money and Finance, You’ll Regret It in 10 Years

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Listen in as Doug and Tammie Haldeman along with Tom Terbrock discuss 7 important things about money and finance that 20-somethings must know. 1. Pay Yourself First 2. Learn how to Leverage the Power of Compound Interest 3. Grow Your Financial Education 4. Know Your Credit Score and Keep it Up 5. Live Within Your […]

Top 10 Tips For Time Management

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Listen in as Doug and Tammie Haldeman along with Tom Terbrock discuss the top 10 tips for time management. 1. Never envisioning or thinking about tomorrow. 2. Not planning ahead. 3. Starting their day late. 4. Focusing on doing the wrong thing. 5. Getting distracted along the way. 6. Going through each day without aims, […]

Time To Refinance

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We are in the beginning wave of a refinance tsunami. For the last 20 months interest rates have been above 4 percent. For the first time in almost two years interest rates are below 4 percent. A good way to look at this opportunity would be not the amount of money you could be saving […]