Total Financial Hour Podcast

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...

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...

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.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.