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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!

    Does It Make Sense For You To Roll Over Your 401K?

    By Arif Halaby

    Have you left a company where you had a retirement plan, let's say a 401k, and are wondering what your options are after you have left that job?

    You may be asking yourself if you should you leave it, cash it out, roll it over to your own Individual Retirement Account, or maybe even put it into your "new" 401k plan? These are great questions to ask, but what's most important is making the best choice for you.

    Uncommon Tips For Safe Travel Before And After Your Retirement, Part 2

    Just as promised I have some more travel tips for you as we all get ready to take our last vacations before the summer is over. Follow these couple of tips and you are guaranteed to save yourself a little money and have a lot of fun.

    First off, be careful when renting a car be aware of the fees associated with excess mileage and any possible vehicle damage.  For example, watch out for "pitted" windshield.  Rental car companies use this "new windshield " as a possible source of revenue.

    Uncommon Tips For Safe Travel Before And After Your Retirement

    By Arif Halaby

    I love to travel. In fact, since my father worked for the airlines, I was able to travel all over the world. I have been to more than 30 countries on 5 continents and I have a few travel tips you might not find anywhere else that will hopefully make traveling a little easier.

    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.