Today on Money Matters with Dino, Eric Morgenson from Angel Oak Mortgage Solutions talks with Dino Non-qualified mortgages. What is a non-qualified loan? Well simply, when the borrower's debt to income ratio exceeds more than 35%.   For more information:  Call Dino at 949-720-1616 or send an email at dino@cacoastalloans.com Here are just a few things you will learn: If a loan is not done properly meaning the consumer does not have the income to repay loan, then the lender can be sued for the full amount of the loan, so lenders must be careful. Taxes are not a good indicator of income.  A better indicator than taxes of someone’s income is bank statements and deposits.  Add up 12 months of deposits minus the client expenses and divide by 12, that’s the income.  These are not the same loans that caused the last recession, because there is no sub-prime credit.  The loans are private money and interest rates are based on the risk to the lender.  The more the borrower puts down and the better their credit score, the lower the rate.  When considering Alternative Loans look at the dollar cost average over the life of the loan. What happens when there’s a bankruptcy?  It can be as soon as 2 years out of a bankruptcy.  There are even programs for foreign investors wanting to buy property. For more information:  Call Dino at 949-720-1616 or send an email at dino@cacoastalloans.com

Money Matters With Dino

#145 Eric Morgenson – New Mortgage Options For the Self-Employed

Parents beware that student loan debt is now higher than credit card debt in America. Start with a plan for your child early and make sure that everyone understands the goal...avoiding student loans!  Here’s an idea. Instead of buying toys and gifts, contribute to the higher education savings account.  In this episode Financial Executive from Trilogy Financial Services Daniel Lungu gives great tips for parents and their kids alike to help avoid the crushing results of high student loan debt.  Also in studio with Daniel and Dino is Shelley, a real life example of the student loan crisis. Here’s just a few examples of what you’ll hear: Teach your children to work for compensation from a young age. Teach your children about saving. Consider community college for the first two years. Find out everything you can about grants and scholarships. Know what you want to do as a career before you enroll. Understand what to expect from college. Credit Cards Interest Rates Treat your education like a job. Federal Loans vs. Private Loans Getting a job in the professional world. For past shows and to learn more about the God's Men of Influence community, check us out atwww.godsmenofinfluence.org Join us on Facebook for our daily devotionals and updates and please like our page www.facebook.com/GodsMenOfInfluence   Help us spread the Word and please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#144 Student Loans: Lessons For Parents and Their Children - Daniel Lungu

Now is the time to review your finances particularly how taxes during the distribution of retirement will affect your nest egg.  Having the right Financial Planner on your side can literally mean millions in tax savings if things are handled properly and at the right time. In this episode Regional Vice President of Trilogy Financial Services Kevin Leon comes on to set the record straight.  He and Dino discuss: IRA/Roth IRA contributions Who qualifies for IRA deductions Who qualifies for Roth IRA contributions Coverdell ESA.  Who qualifies and who much you can contribute Charitable Contributions made id 2015 Realized Capital losses For past shows and to learn more about the God's Men of Influence community, check us out atwww.godsmenofinfluence.org Join us on Facebook for our daily devotionals and updates and please like our page www.facebook.com/GodsMenOfInfluence   Help us spread the Word and please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#143 Tax Tips From Your Financial Advisor - Kevin Leon

How can an alternative investment such as Mortgage Funds and Trust Deeds be less risky than the traditional investing?  Dino’s guest the CEO of Alliance Portfolio James Perry tells us why Real Estate Investing is not only a safer way to invest, but he shows us how it can completed managed and stress free for the investor.  In this episode you’ll learn:   What is a Trust Deed & Mortgage Fund Who invests in each alternative Where is the risk in this type of investment How are properties chosen for a Mortgage Fund How are Mortgage Funds & Trust Deeds Managed What types of returns can you expect Much more... Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#142 Mortgage Funds & Trust Deeds: Why Invest? - James Perry

A Self-Directed IRA is an IRA that can invest alternative assets such as Trust Deeds and Mortgage Funds.  This is why on today’s show, Dino invited on the perfect combination of experts to talk about the marriage of this terrific investment vehicle with a fantastic alternative investment. As always, there’s a lot to consider, but when set up properly this type of strategy can yield great results.  In this episode Kaaren Hall from UDirect IRA Services and James Perry CEO of Alliance Portfolio discuss:   How a Self-Directed IRA works Why Trust Deeds & Mortgage Funds work so well in Self-Directed IRA’s Tax Implications of the Self-Directed IRA What is a Trust Deed & Mortgage Fund What types of property are inside a Mortgage Fund What to expect from your investments much more... Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#141 Self-Directed IRA’s and Mortgage Funds - Kaaren Hall & James Perry

The number one reason that people don’t invest in Real Estate is fear. Fear of picking the wrong property, fear of being a landlord and fear of a down market.  What if you could invest in prime Orange County Real Estate without the fear or the hassle? Our guest CEO of Alliance Portfolio, James Perry is here to us about how this is accomplished by utilizing Trust Deed Investments.  Here’s a few things you’ll learn: The difference between Trust Deeds & Private Mortgage Funds. Owning property vs. owning paper. Types of property to invest in. Making sure a borrower has skin in the game. The evolution of regulation and Private Money Lending. Loan to Value % for typical loan terms. Areas that have intrinsic value. Bridge loans and how they work. Fees of a Trust Deed Investment. What it takes to be an investor. How long does an investor need to stay in a trust deed. Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#140 Trust Deed Investments: A Secured Investment That Pays

Are you a frustrated investor because it’s too difficult to predict the market?  What if you could invest in a fund that is secured by prime Orange County Real Estate without the hassle? Our guest CEO of Alliance Portfolio, James Perry is here to us why a diversified Private Mortgage Fund is the answer to your frustration and a greta investment. Here’s a few things you’ll learn: The nature of private money lending. Liquidity – how long does an investor need to be in. How loans are chosen. Why people typically use a hard money loan. What makes a safe vs. risky investment. A tax efficient and fee efficient investment. Mitigating losses during a recession. Mortgage Funds with fractional interests. Fees of a Private Mortgage Fund. What it takes to be an investor. Residential vs. Commercial Real Estate. Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#139 Private Mortgage Funds: A Secured Investment That Pays

After hurting herself badly, Noelle Hipke began aquatic therapy where she was exposed to and was given a real affinity and understanding of seniors.   Soon she decided that her career would transition towards helping seniors with the different challenges that they face.  In this show Noelle speaks with Dino with authority on the following topics:   Helping seniors with their financial decisions Senior Real Estate Specialists Reverse Mortgages for Seniors In-home care and how to prepare Assisted Living Communities Estate Planning (wills & trust) Streamlining transitions for seniors Redirecting emotions and goals Identifying the uniques needs of each senior and family Identifying Markers for the time to change Quality of life for seniors Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#138 Senior’s Transitioning - Noelle Hipke

When you don’t understand how your money works, you will never have any.  James Harnsberger is an Enrolled Tax Agent and has discovered the keys to getting wealthy, by mastering your time, committing to a plan and getting started now.  Poverty to some degree is a choice in this country because people don’t know where to start.   Teaching your children good financial principles. Mastering your Time Making your money work for you. Master your spending Understanding how taxes work Creating a realistic budget Learning what you did not know Tracking every dollar you spend Paying yourself first The 10/20/70 rule. Being responsible stewards “I can’t” means “I won’t” Accumulation, Preservation & Transfer   Check out the “Richest Man In Babylon” Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#137 Financial Literacy 101 - James Harnsberger

How do you ensure that you work with the highest level of productivity at all times? Why is that important in Real Estate when you have the option to work when you want?  Selling Real Estate is competitive and you must set a high standard of integrity if you want to serve your clients properly and receive referral after referral.   If you want to be your own boss with a successful Real Estate career, stay tuned.   On today's show Valerie Torelli from Torelli Realty talks to Dino about the value a top realtor brings to their clients!  Here are some of the things he discussed: What a high productivity day looks like The things most people won't do How to have the conversations you dread Mentoring young realtors Showing up authentically The Four Agreements Selling or buying propertyin Orange County?  Call Valerie Torelli at 714-540-7355 or email him at valerie@valerietorelli.com Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#136 The Value You Seek, The Value You Bring - Valerie Torelli

Have you looked at your finances lately?  The end of the year leading up to Jan 1st is the best time to have a financial check-up.  You'd be surprised what you can do for your portfolio when you talk with someone who thinks long-term wealth accumulation and distribution.   On today's show Daniel Lungu from Trilogy Financial gives tips to make YOUR financial Check-up for 2016, a success!  Here are some of the things he discussed: Creating a Budget Having A Liquid Cushion Starting Small Retirement Contributions Beneficiary Reviews Protection Planning Student Loan Forgiveness For Your end of year financial check-up contact Daniel Lungu at 562-544-8833. Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#135 Financial Health Check-Up for 2016 - Daniel Lungu

Are you buying or selling property in LA, but using a Real Estate agent from Orange County or vice versa?  Your making a huge mistake.  The virtues of not only each county, but each city are completely different and therefore the property in those cities needs to be approached in a different way.  It's crucial that you find an agent that's very aware of the Idiosyncrasies in your area. In this show, Real Estate Agents Jay O'Brien from Prestige ReMax Costa Mesa and Jennifer Fematt from the John Aaroe Group LA discuss the specific qualities of their respective areas and the qualities you should expect from your Real Estate agent. Below are some of the topics they discussed: Is trust more important than skill set? Work ethic of a great Real Estate Agent Running your RE business like a true business Mentoring your clients Process of listing a property Process of buying a property Putting ego and profit aside and accomplishing your client's goals Relationships between opposing agents Beware of agents who double-dip Negotiating into a win, win, win deal Running a successful open house or past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.  

#134 Virtues of Real Estate From LA to OC - Jay O'Brien & Jennifer Fematt

What makes a great Real Estate Agent?  How do you know when you sit down with someone that they’re looking out for your best interests? Today on the show Dino talks with a top Realtor from the prestigious John Aaroe Group, Jennifer Fematt about practical ways to establish whether you’re working with the right Real Estate Agent for your needs.  You’ll hear thing like: Who’s investing in LA Real Estate and why The difference between the different communities in LA Boutique firms vs. brand name Real Estate Agencies Real Estate Agent/customer relationships What servicing a client really means For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com  Join us on Facebook for updates and please like our page. www.facebook.com/moneymatterswithdino   Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.

#133 Qualities of a Great Real Estate Agent - Jennifer Fematt

Insurance is not something that many people like to talk about or understand.  There are so many options that it becomes overwhelming to even consider what's right your you and your family, but it must be done.  In this episode Mike Leon from Trilogy Financial Services teaches a course on our show we call Life Insurance 101.  Here are just a few of the things we talked about: Accelerated Benefit Ryders Term Insurance Permanent, Whole & Universal Life Insurance Long Term Care vs. ABR 1,2 & 3 

#132 Life Insurance 101 - Kevin Leon

In today's crazy market what types of moves should you make to secure your retirement?  Nothing is guaranteed, but having a professional advisor to help predict all the possibilities that might happen in every market correction in the future.  . In this episode, Kevin Leon the Regional VP of Trilogy Financial Services goes into details about today's ups and downs in the stock market.  Dino and Kevin discuss topics like: Structuring for college and restructuring as it gets close Equity and Income for retirement Gov't, municipal and corporate bonds Managing clients emotions during an unstable market Interest rates and their affect on the economy 

#131 Today's Ups & Downs In The Stock Market - Kevin Leon

Whether it’s insurance, investments, tax planning, real estate, or anything else that affects your personal wealth, I ask the questions and look for resources that help you make the best financial long-term decisions for you and your family. Each week on Money Matters with Dino I bring on top professionals in their fields to make sure we are providing the best and most current information to our listeners, because your financial health and wealth matter to me. From Your Estate to Real Estate we're Money Matters With Dino.

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Money Matters With Dino

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