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Arif Halaby - Total Financial Solutions

Total Financial Solutions, Inc.

Arif Halaby, President and CEO of Total Financial Solutions, has been working with families’ financial matters since 1996 and he holds life, health, property and casualty licenses and specializes in retirement planning.  Additionally, he holds endorsements for annuities and long term care.

Tune in for the Total Financial Safer Money Hour show on AM-1220 Tuesdays 12- 2pm!

    The Credit Score System, Understanding The Game

    BY C. Crudele

    The best way to understanding the credit score system is to look at it like a game.  Like any game, know what your objective is (like getting the ball in the basket), the rules, and most importantly what are the penalties. Creditors created this game, with the objective to make more money. We play, hoping to stretch our income and maybe even save money.  But, creditors are at an advantage.

    Arif M. Halaby, President and CEO of Total Financial Solutions, Inc. says, “Creditors believe they can ‘guess’ our likelihood to pay by looking at our past payment habits.” This “likelihood” causes them to risk or not risk loaning us money.

    Editorial: Insurance Basics Everyone Should Know

    By Arif M. Halaby, President & CEO of Total Financial Solutions, Inc.

    Everyone needs some type of insurance some time. Whether you own a car, a home, or have loved ones you want to provide for after you’re gone, there are certain basics that you should know before you shop for insurance.