Money Matters With Dino

Studies are showing that some seven million Americans have a secret bank account or credit card account that their spouses know nothing about -- and most of those doing the hiding are men, according to the study….. Financial expert Kimberly Foss says “financial infidelity is more common than people think, and if anything, it’s on the rise.” Here today to answer some of our listener questions on this surprising and intriguing topic is our TLP, Colleen McNamee of MCNAMEE MEDIATIONS. 1) It’s surprising to think that this could even happen! I mean, don’t couples pay attention to their account information and spending habits? - Many spouses keep separate bank accounts and have 1 joint checking or savings that they operate out of - Typical household, one spouse is in charge of the finances - Shadier side: Spouses who have side businesses the other spouse doesn’t know about 2) Real case example: Married 27 years. Joint accounts until children were grown and out of house. Always had financial arguments throughout mar

So you think women don't enjoy talking about wealth strategy and finances?  Well allow me to introduce you to Certified Financial Planner Maria Kutscher.  Take a look at Maria's credentials: Certified Financial Planner Chartered Financial Analyst Chartered Retirement Planning Consultant Accredited Asset Management Specialist Founder & CEO, Allovest Here are some of the questions Dino asked Maria on this episode: 1)      What do you think is one of the biggest risks for investors this year, that they aren’t aware of? 2)      So what can investors do, what are some strategies to protect the bonds in your portfolio not if, but when interest rates start to rise? 3)      What’s going on with oil and should we be adding energy to our portfolios? 4)      We’ve just finished 6 straight years of stock market gains… can we make it to 7 years this year? 5)      Most investors have some international stocks in their portfolio…. Given what’s happening overseas, what’s the update here? 6)      Mutual funds or ETF’s…

The big mistake that people make when they start earning good money is that they work so hard to accumulate and forget about how to keep it.  Unfortunately, taxes unchecked can take a massive bite out of all the money that was made.   Senior VP at Trilogy Financial Services Kevin Leon made it very clear on this week’s show, how dangerous it is to stick your head in the sand regarding taxes. Here are some of the questions he answered: How can I save more on current taxes? How can I save more on future taxes? How can I save money on my taxes that my portfolio generates on an annual basis? Is there a way to offset all of my capital gains on an annual basis? What tax free investment options are out there today? If I am already retired, how can I save money on taxes? How can I get more tax deductions? If I have highly appreciated assets and want to sell some of them, how can I do that in a tax efficient manner? I typically get bonuses at year end, any strategies for that? Can annuities help me with saving taxes o

Do you own a business and stay up late worried about being in compliance with the labor laws?  There are so many new laws that business owners don't know and the ones they do know, they don't really understand.  Bad news, because they've just gotten more complicated. Human Resources expert Lorraine Bifulco owner of VantaggioHR came on to the show to give Dino all of the updates to the laws.  There's some information in this show that is truly crucial to be aware of if you have your own business. Here are some of the questions Dino asked: You mentioned that even small employers need HR help. Can you explain why?   Many of our listeners are entrepreneurs and owners or managers of small to medium sized companies. What do they need to be paying attention to this year? I saw an article you wrote recently that was titled, “It now pays to get sick in California!” Can you tell our listeners what that’s all about?   I’m sure in all the years you’ve been doing this, you have some great stories. Can you share one o

Credit Scores and conversations about them don’t exactly strike awe or feel super compelling…until you consider how much your credit score affects the amount of money in your bank account.   Think about this, a low credit score could mean a point higher on your mortgage, which translates to a few hundred $’s more a month.  Let’s add to that a higher interest on your credit cards equaling hundreds more in minimum payments a month.  Ohhh and don’t forget about your car payment being maybe a $100 more a month.  All together now your spending close to a $1,000 more than you should.  What else could you do with that money?  Do we have your attention? Dino speaks with Credit Repair expert Derek Boyd from Credit Law Solutions.  Here are some of the questions that Derek answered: Let’s start with can you give us a basic explanation of how credit scores are calculated?  What are the things that create the most damage to a credit score?  Is it the late payments, high revolving balances…?  Cna you break it down for m

If you’re at least 62 years old and have significant equity in your home, you might be considering a reverse mortgage loan and be wondering if it's the best option for you. You may be thinking things like, "Will my children have any inheritance if I get a reverse mortgae?" or even "Would I still own my home?" On this episode Dino Katsiametis had the pleasure of interviewing reverse mortgage experts Robert & Renee Trommler.  This insightful look into the advantages to retiring with a reverse mortgage, dispells many of the myths surrounding this type of loan.  Here is  sample of just a few of the questions that were answered during the show: What are the differences between a reverse mortgage and a home equity loan?   What are the Qualifications someone needs to get a Reverse Mortgage?   What are the benefits of a Reverse Mortgage?   What is the biggest challenge to putting a Reverse  Mortgage into place?   How much money can you get from a Reverse Mortgage?  Can  you take the full amount

We understand that you love your insurance company, or maybe you have no real feelings about them at all. Consider that a broker has access to many companies with even more policies and can not only find you the best prices, but the best service and the right coverage for your specific needs. Steve Renteria from Steele Insurance Agency came on to talk about how crucial it is to have the right coverage whether your single or married with kids.  He is incredibly informative and doesn’t hold back his advice on the show.  These are just some of the questions you will hear Steve answer. What’s the difference between a broker and a provider like a State Farm or Allstate? Let’s talk about liability.  This is a big one especially when you have a home and family.  First, how does liability protect the homeowner?  What’s covered? How much liability does a family need to make sure that anything that happens in their home is covered? Ok, now the main income provider is a business owner.  What kind of insurance does he n

2015 is upon us and it's time to decide what you're going to do with it. Will you make more money?  Will you start a family?  Will you start a new business?  Will you jump out of an airplane?  All are fantastic options if you decide that it's what you want.  The real question becomes how will you accomplish your goal? In this show we spoke with top business professionals that are committed to excellence in every aspect of their life and asked them how they set up the new year for success.  These are the uber effective people you'll hear from: Jeff Motske (President) - Trilogy Financial Services James Perry (CEO) - Alliance Portfolio Nick Roshdieh (Broker) - HOM Sotheby's International Realty     For more details on these or any of other shows visit www.MoneyMattersWithDino.com or you can listen on iHeart Radio or just tune in to The Patriot KEIB AM1150 every Sunday Morning from 7-8am.  Your host Dino Katsiametis talks with business professionals and asks them the questions you need the answers to.   Our

2014 was a reall great year for Money Matters With Dino.  We want to thank all of you who have been listening every week, by bringing you our favorite moments of the past year. These are the best moments from the best shows with our favorite guests and we really hope you enjoy it. Here is what you can expect: Wing Lam/Wahoo's Fish Taco's:  "Wahoo's An American Success Story"  www.Wahoos.com    Steve Renteria/Steele Insurance Agency & Vince Ferragamo/Touchdown Realty "The Value Of Choosing The Right Real Estate & Insurance Professional"  https://www.linkedin.com/in/steverenteria   Colleen McNamee/McNamee Mediations:  "Divorce: Avoiding Financial Disaster and Facilitating Closure" http://www.mmediations.com/   James Perry/Alliance Portfolio:  "Alternative Investments You SHould Know About" http://allianceportfolio.com/   Jeff Motske/Trilogy Financial Services:  "Paying For Your Kids While Caring For Your Parents: The Sandwich Generation" http://www.trilogyfs.com/   James Harnsberger/JSN &

We love listener questions, because we can be sure to get you the exact information you're looking for from our TLP(Trusted Local Professionals).   In this show we focused on listener questions about divorce and brought on mediation expert Colleen McNamee from McNamee Mediations to answer them. Download our Free Ebook "Are You Facing The High Cost Of Divorce?" Some of the questions we asked Colleen: I have a girlfriend who has been divorced for years, the kids live 90% of the time with mom, not only does her X still take the tax deduction for the kids but he also takes it for the home that he no longer even owns! My girlfriend has no idea what to do and this has been going on for like 10 years!   My husband and I are constantly arguing about money.  He’s a frivolous spender and I just want to make sure everything’s paid on time.  I still love him, but I’m fed up and ready to leave.  Is it possible to mediate my way into staying married?  How do I get him to see where I’m coming from?   I’m currently goi

This weeks show features Jeff Motske and Cary Boring from Trilogy Financial Services and is a fantastic breakdown of financial and tax strategies for the end of 2014! Also, Download our free ebook: Consider Your Financial Compatibility Before You Start House Hunting Questions discussed in show:  How often should you review your portfolio? How much gifting can you do to family without anyone having to pay taxes? Why do we hear so much about investors converting to a Roth IRA before the end of the year?  What’s the advantage? What type of restrictions are on 401k contributions? When it comes to investments like mutual funds, what types of things do you have to be aware of towards the end of the year? How are the new requirements in healthcare affecting financial planning as the new year approaches? How do you evaluate when someone should take social security? What should someone’s investment portfolio look like at the time of retirement?  What type of assets and how much wealth do they really need?    

Are you interested in owning Real Estate?  Maybe you want to invest, but you don't want the hassles of being a landlord.  How about being the bank instead?  James Perry and Gabriella Gilles from Alliance Portfolio are on the show to talk about Private Money Lending, Mortgage Funds and Trust Deeds. This form of alternative investing is secured by real estate and brings a monthly income.  If you are not aware of how they work you should spend some time listening to this show and download our FREE ebook here... How To Pick A Top Mortgage Fund "From Your Estate To Real Estate, Your Money Matters." - Dino Katsiametis

The average cost of sending your child to a private college is over $30,000 with some reaching over $60,000 not including other expenses!  With that kind of investment comes a lot of scrutiny as to whether it’s all worth it.   Entrepreneur and owner of Office Furniture Group Scott Lazarus discusses the decision making process behind whether or not to send his children to college and has a really out of the box perspective that you’ll enjoy…especially if you’re a few years away from paying for college yourself.

Are you considering marriage, but just a little afraid of the divorce rate? Let me guess, you don't want to be financially devastated and want a Prenup, but don't know how to talk to your fiance about it. Family Law Attorney's Jason Schwartz and Matt Heim from Schwartz, Stegmeier, Gelbart & Benavente tell us the best ways to structure a prenup and how to talk with your loved one about it.

Insurance and Real Estate go together best when you have the right team in place and if you can throw an NFL Quarterback in the mix, than you’re doing good. Vince Ferragamo of Touchdown Real Estate and Steve Renteria, Regional Manager from Steele Insurance Agency educate us on the things you don’t know that you don’t know.

All entrepreneurs love a good American success story, which makes this show so fantastic. Wing Lam the founder of Wahoo’s fish taco restaurant chain tells us his story from humble beginnings to recognizing a niche, creating a core group of customers that turned into a large group of customers, that became an empire.

With the biggest group in the history of the United States retiring, we decided to take a close look at estate planning strategies with Attorney Mark Lewis. The goal is to help Boomers avoid mistakes that can cost time, money and a whole lot of aggravation.

James Harnsberger from JSN & Associates Insider Report #5

James Harnsberger from JSN & Associates Insider Report #11

James Harnsberger from JSN & Associates Insider Report #10