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 [email protected]

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 [email protected]

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.

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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

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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...

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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...

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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.

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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.

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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

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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

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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 [email protected]

Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com

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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.