Money Matters With Dino

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

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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.

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.

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

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

Nobody like talking about taxes, but here's the thing...a good tax strategy can save you hundreds of thousands of dollars as well as prevent the IRS from ever knocking on your door.

On this show James Harnsberger from JSN & Associates talks to Dino about tax efficient planning that everyone can benefit from as long as they have the right advisors in their corner. Here are just some of the things Dino talked to James about:

1. Enrolled agents and what their function can be during your audit.
2. Offer and Compromise
3. Defending Americans Against the IRS
4. Six Steps to Wealth
5. How to avoid an audit

There are very consistent traits of people with a high credit score. For example, two-thirds have less than $8,500 in total debt balances excluding mortgages, 96% have no missed payments on their credit reports and high achievers use an average of 7% of their available credit on credit cards.

Derek Boyd from Credit Law Solutions is highly respected in the area of credit repair supported by a very high number of 5 star reviews on yelp. In this episode Derek explains in detail what credit means and how it can be improved. Here are some of the questions Dino asked Derek:

• How does credit repair work?
• What is the Best Credit Score Possible?
• What are the factors that contribute to a high credit score?
• Is credit repair a quick fix or does it last?
• How much does credit repair cost?
• Can you help someone through a Bankruptcy?

The investments in your retirement account can be self-directed by you. Most IRAs are typically invested in stocks, bonds and mutual funds. With a self-directed IRA from, as the name implies, you make the investment choices. The types of investments are almost limitless.

On this show Kaaren Hall from UDirect IRA Services, LLC talks to Dino about the benefits of using a self-directed IRA. Here are just some of the questions Dino asked Kaaren:

* Is Self-Directing for everyone?

* Can my IRA borrow money?

* How long does it take to self-direct an IRA

* When I open an IRA do I get a checkbook?

* Is self-directing my retirement something new?

* What kinds of assets can I invest in with a self-directed IRA?

* Can I use my SDIRA as a down-payment on a house?

The market’s at an all time high, but talking heads are preparing for a good point drop. What should you do?

On this show Certified Financial Planner Bart Zandbergen talks to Dino about what to do with your money. Here are just some of the tips Bart had for Dino:

1. Disregard Short Term Forecasts.
2. Avoid Self Destructive Investor Behavior.
3. Using A Systematic Approach.

1. 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.

Times have changed and so have the concerns of those in their 20’s. Graduating college today and jumping into the workforce with a good paying job is far from automatic anymore, so what do millennials do?

On this show Certified Financial Planner Daniel Lungo from Trilogy Financial talks to Dino about the 10 most frequent financial concerns of millennials. Here are just some of the questions Dino asked Colleen:

1. I finally got a job that offers retirement benefits, should I contribute and how much?
2. How should I select my investments?
3. What should I do with money above my employer match?
4. Is life insurance important in my early years?
5. I am moving to another firm, what should I do with my qualified plan?
6. How can I get rid of credit card debt?
7. Should I use department store credit cards? Cash back credit cards? Or any other reward cards?
8. Helpful budgeting tips to free extra cash?
9. How to overcome financial difficulties during the first year of marriage?
10. Strategies to save for a child’s education
11. Divorce, Death, or Inheritance what should be some of the top consideration