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 or two of them with our listeners?

• I know compliance is important, but business owners are busy running their companies. Is it really that important that they pay attention to every little detail regarding HR compliance – especially when some of the requirements seem like  silly paperwork?
  
  
• If you had to give our listeners a couple of suggestions about the big things to watch out for in 2015, what would that be?
  
  
  
  
  

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 me?

• If a credit score is really bad, like in the 500’s are low 600’s can you get it up the magic number of 720 that so many creditor’s love and how long will that take?

• Now, I’m sure there’s a process you’ve put in place that works. What’s the very first thing that you do for a client to increase their score? 

• What types of things can be removed from a credit report and what can’t?

• How long will something like a debt collection stay on a credit report?

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:

1. What are the differences between a reverse mortgage and a home equity loan?

2. What are the Qualifications someone needs to get a Reverse Mortgage?

3. What are the benefits of a Reverse Mortgage?

4. What is the biggest challenge to putting a Reverse  Mortgage into place?

5. How much money can you get from a Reverse Mortgage?  Can  you take the full amount of your home’s worth?

Visit www.MoneyMattersWithDino.com to get caught up more financial news or to get a hold of Dinio.

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.

1. What’s the difference between a broker and a provider like a State Farm or Allstate?
2. 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?
3. How much liability does a family need to make sure that anything that happens in their home is covered?
4. Ok, now the main income provider is a business owner.  What kind of insurance does he need to have to protect his business if it’s a service provider like a Real Estate Agency?
5. Alright, at this point the kids are getting older and that magic age of 16 hits and the oldest wants to drive.  What types of coverage do you recommend for a family with multiple cars and a young driver?
6. Can you explain what uninsured motorist coverage is and why we need it so badly in California?
7. How much life insurance do you recommend that a family provider have first if he’s just married and then if it should change when he has kids?

Listen to Money Matters With Dino every week on iTunes or just go to www.MoneyMattersWithDino.com and educate yourself as Dino Katsiametis interviews professionals from various financial fields.