Total Financial Hour Podcast

Hr1 - TFS job is to teach you how to get out of debt, manage your money and plan for reliable retirement income. Purchase the company life insurance plan.  Hr2 - email #1-Marilyn asked how to protect their retirement accounts from being accessed by spouse with dementia. Arif suggested she add a credit card block, notify companies that a notarized form is required to make withdrawals, change all pa...

Hr1 - Accidental Death & Dismemberment Insurance - don't purchase if you qualify for regular life insurance. Everyone needs someone/something that counts on them. Everyone needs a reason to have hope. Hr2 - email #1 - Single woman with a long-time partner and no children needs $5k per month. Arif advised how to set up an account specifically as a travel account. Second account that allows her...

Hr1: What's happening with the economy?   Arif defines the   Conference Board Leading Economic Indicators - 10 Key Variables. A recession is coming. Make a budget, pay off credit card debt, work overtime if you can or get a 2nd job and have an emergency savings of 1 year/minimum 6 months.  Hr2: email #1:  Brenda and Phil are retiring in California to be near their grandchildren. They need to incre...

Hr1: Difference between tax deferred, tax free and taxable income. Seek a trust attorney to avoid probate. CDs vs Fixed Annuities/MYGA. Back door Roth IRAs. Cash value Life Insurance policies. Hr2: email #1: Michelle has a special needs son and wants to be certain he will be well taken care of when she is gone. Arif recommended a Special Needs Trust; part of a Revokable Living Trust. Seek an attor...

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Hr1: Inflation is eating up your buying power. Compare Money Market Accounts, CD, and Fixed Annuities. Be aware of fees. Crossing the white line, into retirement, there's no reason to keep running. Stop taking the same investment risks as when you were working.    Hr2: Email #1- from an Anonymous listener. 66-year-old engineer retiring soon and his wife has already retired. Children are self-relia...

HR1 - ibonds associated with inflation and the max that can be purchased; Indexed Universal Life Insurance "tax free"' - build your wealth;  HR2 - email #1: John will be laid off soon; Jill can retire but concerned about the amount of money that has been lost in her 403b. Their goal is to retire in Prescott, AZ.employees can contribute more to their 401k's in 2023email #2: Jeannette's son and daug...

HR1: Social Security cost of living increase of 8.7%. Benefits of Fixed Annuities and the catches. Record number of Californians leaving the state. California will file for bankruptcy.     HR2: email #1 - Paul & Lisa are now raising their grandchildren in their 60's. Arif advised them to pay back Social Security and postpone collecting.    email #2 - Woman (Ms. X) 59 years old never married wi...

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Hr1 - Never sign for a student loan; Inflation is here, how do we handle it?  Hr2 - Robert & Claire, Arif reviewed Life Insurance benefits, Social Security spousal benefits and Veteran's Aid & Attendance Pension. 2nd email from Larry. Arif reviewed how to assign beneficiaries for his 401k's and property and how taxes will affect the spouse v children. Bank accounts consider having a Transf...

Hr1 - Defined bad debt & good debt; Plan for the "Golden 10". These are the 5 years prior to retirement and first 5 years of retirement.  Hr2 - Listener, Linda and her spouse planning for retirement have a Parent Plus loan and other debts. Asking the best way to pay off her loans. 2nd email from a couple looking to move out of the country when they retire. A See omnystudio.com/listener for pri...

Hr1 - Retirees need to be informed & get involved. Become board members. Make a difference.  Hr2 - Emails from listeners: Woman concerned that she will not have enough monthly income now that she is divorced after 43 years of marriage. 2nd email from Gentleman that inherited an IRA from his sister a See omnystudio.com/listener for privacy information.

Hr1 - Recession is here; Protect yourself as a retiree Hr2 - Large companies moving their headquarters out of CA; email from listener, Tia: wants to be able to assure her daughter she is self-sufficient. 2nd email from Charlie & Lisa. Charlie is being offered a buy-out from em See omnystudio.com/listener for privacy information.

Hr1 - EVEN in this recession there are some great opportunities out there for you. PAY off all BAD debt... This will help you survive. Why you should use a credit card as opposed to a debit card See omnystudio.com/listener for privacy information.

Hr2 - Arif responds to listener eMails. A listener has been saddled with her daughters School Loans. How do I get me daughter to pay for the loans I signed for. See omnystudio.com/listener for privacy information.

Hr1 - Even in this recession there are some great opportunities out there for you. Pay off ALL bad debt... This will help you survive. Why you should use a credit card as opposed to a debit card. Hr2 - Arif responds to listener emails. A listener has been saddled with her daughters school loans. How do I get my daughter to pay for the loans I signed for? Does money have feelings? Is it attached to...

  Hr1 - Arif are you moving? Should WE stay or should we go? Hr2 - Matt Rexroad joins Arif to discuss ESG - Environment Social Government , What is it and how does it affect you.  See omnystudio.com/listener for privacy information.

Hr1. Arif deals with Financial advisors that use "Important Words" to sound smart. Don't be afraid to ask questions. Don't be dismissed by "you don't need to know I have you covered" type of terminologies. Its your money Hr2. Arif responds to listener eMails When is it time to take social security? Do you know how it works? Should you wait? Arif clears up the confusion. ALSO What state will give y...

Hr1. California Drought may be man made.. How can we fix it? How the rich get richer, in government. What happens when the Gov report bad numbers, for the economy, jobs, violence and more. Hr2.  Arif answers/comments eMails. How to take your retirement funds without losing big bucks. If your a widow or widower, how do receive the benefits your entitled to and not lose it to taxes  See omnystudio.c...

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