Total Financial Hour Podcast

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

1st Hour:    Social Security can be garnished.    2nd Hour: 1st email -  William & Carolyn. William has been retired 40 years. His request was to have Arif to explain the laddering concept for others.  2 nd email -   Todd & Greta selling their business this year. Arif provided recommendations on how to feel confident they will be paid in full for their business.  See omnystudio.com/listene...

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

1st Hour:    Factors to consider when choosing the right place to live in retirement.    2nd Hour: 1st  email -  Eileen divorced after 30 years. Elderly mom living with her has life insurance money that needs to be addressed.  2nd  email -   Couple in their 60's recently sold their business. Asking for suggestions for investing that money.  See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

1st Hour:  Most people put their retirement dollars in the stock market (401k). Beneficiaries will pay the highest tax rate when inherited.    2nd Hour: 1st  email -  Leah 70 years old is a recent widow asking how to budget for the annual costs such as, property taxes, car & home insurance and a new car.    2nd  email -   Ray & Diana are in their 50's with two children. They want to set as...

1st Hour:  Should you pay for your child/grandchild's college education?   2nd Hour: 1st  email -  He's 52 years old and wife is 50. He has two 401k's from past employers. Asking what to do with those accounts.    2nd  email -   Marie is a widow, moving to Texas with her son. Asking for advice on keeping her home in CA as a rental.    See omnystudio.com/listener for privacy information.

1st Hour:  Cameras in the classroom.   Travel tips.   2nd Hour: 1st  email -  Jim is a single dad with two sons. Wants to teach his sons the value of saving.  2nd  email -   Jen was married 42 years. Recently divorced and asking if she should buy or rent.  See omnystudio.com/listener for privacy information.

1st Hour:  Cash v credit & the impact on the financial system.  Ways to have a happy retirement.   2nd Hour: 1st  email -  Joe & Tammy. Tammy is a spender. Joe wants to make sure he does everything to be certain she is taken care of through her lifetime.  2nd  email -   Ellen & Steven are business owners. Their retirement plan strongly relies on the income of their rental properties. S...

1st Hour:  Those most affected by inflation. Community College for 2 years to avoid student loans.   2nd Hour: 1st email -  Steve & Ellen are considering splitting their time between CA & AZ. Questioning the purchase of a second home vs an RV. 2nd email -  Mona is 67 years old. She has never married and has no children. Arif outlined a plan that included Long Term Care.  See omnystudio.com...

1st Hour:  401k's, Required Minimum Distributions and the importance of having cash at home.    2nd Hour: 1st email -  70-year-old woman describes herself as a, "Trump Gal".  Asking, "please tell me again, the reason we need to get involved in politics".  2nd email -  From   Stacie & Rick. Rick is retired military (disabled) and getting ready to retire from civilian job.  See omnystudio.com/li...

1st Hour:    A Reverse Mortgage is NOT always a bad thing.    2nd Hour: 1st email -  Dan & Amanda are   50 years old. Questions about Term Life Insurance, 401K/IRA and their pensions? 2nd email -  Couple, both 63 years old, need to make a decision on their pension payout.  See omnystudio.com/listener for privacy information.

1st Hour:  This year more people than ever are turning 65 years old and starting to collect social security with fewer contributing to Social Security.     2nd Hour: 1st email -  Jim is considering a second marriage. Arif suggested they have a Living Trust to address the bigger issues, purchase an annuity with a monthly payout, and Life Insurance. 2nd email -  Jane & Louis regret spending thei...

1st Hour:  Layoffs & strikes will continue and expand into many industries   2nd Hour: 1st email - Joe & Paula are in their early 60's. Joe now has Gian Beret Syndrome. Arif offers suggestions to assist in planning for their retirement years.  2nd email - Husband left last job 4 years ago. It has lost $20k. Wife, Jenna, moved a 401k to a Money Market account. Arif provided suggestions on h...

1st Hour:  Homeless problem Social Security  Are your retirement dollars at risk for loss?   2nd Hour: 1st email - Laura is 57 years old and retired early from the Gas Company. Arif discusses, becoming a landlord, taking lump sum options, and LTC. 2nd email - Jen & Bob are now raising their 2 grandchildren. Arif talks about purchasing Life Insurance and redoing their Living Trust with a Specia...

1st Hour:  email from Jen - Husband is a liar & a phony. Jen is 63 yrs. old and afraid of retirement. She is planning on working to age 70. Arif explained a Qualified Domestic Order (QDRO) and the option of purchasing a Life Insurance Policy(IUL) with Long Term Disability.    2nd Hour: email from Jim - 50 years old. He is a singe dad of 2 teenage boys. He wants to teach his sons the value of s...

1st Hour:    Signs of recession Cameras in the classroom and bodycams on the teachers   2nd Hour: 1 st email : Diana & Ken are retired and planning on moving to Idaho. Question: should we pay cash for our new home?   2 nd email:  Emily is 64 years old, never married and plans on retiring at the end of the year. Goal in retirement is to find a companion. Arif explained the benefits of purchasin...

Father's Day Special with Arif and his father. See omnystudio.com/listener for privacy information.

1 st  Hour:  email from Jen - Husband is a liar & a phony. Jen is 63 yrs. old and afraid of retirement. She is planning on working to age 70. Arif explained a Qualified Domestic Order (QDRO) and the option of purchasing a Life Insurance Policy(IUL) with Long Term Disability.    2 nd  Hour: email from Jim - 50 years old. He is a singe dad of 2 teenage boys. He wants to teach his sons the value...

1st Hour:  What is more important, retiring or keeping your same life style? Where will your retirement money come from? Will you need to work a part-time job?      2nd Hour: 1st email from Stan: retiring at age 60, worked for LA Metro for 28years. Refers to the DROP program and his Deferred Comp Plan.    2nd email from Sue & Edward: Sue became a widow within their first year of retirement. Su...