Total Financial Hour Podcast

1st Hour:  Student Loans: Start saving now. Do not take money from your retirement accounts. 529 accounts can be used for many things to support your child, check into this.    2nd Hour: Guest, Keagan Powell, swimmer @ Kean University See omnystudio.com/listener for privacy information.

First Hour:   If you are not making as much money as you spend each month. What are your options?   Second Hour:   1st email: LeeAnn & Carl have been retired 2 years and have recently decided to leave CA. Main concern is, how much house can we purchase? 2nd email: Tony is 60 years old, married and has worked in his field for 40 years. He is ready to retire and travel with his wife.  See omnyst...

1st Hour: California WARN Act: Employers with 75 or more full-time or part-time employees. Must give employees 60 days' notice before a mass layoff.   2nd Hour:   Happy Mother's Day an interview with Donna Halaby, Arif's mom. See omnystudio.com/listener for privacy information.

First Hour: Bank Failures Lay-offs Second Hour:   Email from Tom & Sharon. They will be retiring and leaving CA. Questions: Should we sell our home in CA & How do we know how much we will need monthly in the new state?   Email from Laura. She has 2 variable annuities that go up & down and have fees that equal 3.5%. Arif spoke with Laura to understand the details.  See omnystudio.com/li...

Fist Hour: Current economic cycle: Layoffs are coming New retirement crisis: Cashing out 401k plans Second Hour:      email: Sharon wrote in questioning how to make sure her children and new husband's children inherit their own parent's estate. Arif recommended, life insurance, living trusts and postnuptial agreement.   See omnystudio.com/listener for privacy information.

First Hour: Banking System Changes @ CVS Second Hour: email from Joyce. She is a single woman with no children and just retired. Arif suggested 3 sources of income: short term, midterm and long term.  email from Jason & Jennifer retiring in their 50's. Planning on moving to TX. Retiring young requires extra planning. Property taxes in each state are an important factor. See omnystudio.com/list...

First Hour: Inflation: Avoid variable rate loans, credit cards and Home Equity loans. Expect car loans to become 6-10 years.   Second Hour: email: Helen & Geroge 76yrs old have been retired 10 years. "We may have overspent in the first years".    email: Heather & Justin in their 30's. Heather is going to stay home with new baby for a few months and Justin just started a new job. "How do we...

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"Courage" Speak up for yourself. Fight for your children and grandchildren. Get involved.  See omnystudio.com/listener for privacy information.

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Hr1 - Biden Administration playing with the employment numbers. Hr2 ... TEACH your kids to be financially responsible, DONT bail them out MAKE sure you investments produce income See omnystudio.com/listener for privacy information.

Hr1 - Get rich quick schemes: Pump & Dump scheme; $15-$20 billion stolen, so far this year, and how it impacts your wallet.  Hr2 - email #1 from Emma. Husband recently passed. Questioning what to do with husbands IRA and 401(k) email #2 from Sue & Bob. 32-year-old son does not have a steady job. He is an only child and will inherit everything. Can we set up a monthly income for him instead...

Hr1 - Giving money to the homeless contributes to the problem. Instead, use those dollars to give bigger tips to the hard workers. Employers cannot be an expert at their specialty and an expert wealth manager.  Hr2 - email #1 from John & Linda. Retiring in the next few months. Do we sell an inherited home or rent it out? Arif also suggested they consider purchasing a life insurance policy for...