Co-host:  Jeff Girard

Topic Hour 1:  Do’s and Dont’s in Working After Retirement (with Mark Murphy)

Topic Hour 2:  Take A Retirement Test Drive Before You Commit ( with Mark Murphy)

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Right Click Here To Download Hour 2!

Total Financial Safer Money Hour –January15, 2013

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Total Financial Solutions Safer Money Hour with Airig Halaby airs on AM-1220 KHTS Tuesdays from 12pm-2pm.

The Total financial Safer Money Hour with Arif Halaby is here to show you how to properly save your money and plan for the future.

Around this time of year, people need to start thinking about what successes they want to have in the New Year.  Most people are expecting different results than what they had last year, but what are they doing different? People often say to themselves “I will wait until the holidays are over, give me time to settle down, and then I will start working on my resolution”.  Trust me, they never get to it. If you have a resolution you need to start it right away and get into the habit.  It is smart to make a review of your previous year before you start planning for the next year.  It may be sad and a little painful to see what you did not achieve, but you need to see what you need to do and improve on so that you can succeed in the upcoming year. 

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People need to start thinking about their family like a business. Take inventory, write down all your spending, and take control of your finances.  You have to take a look at what you are spending, so set a budget.  Having a budget may be a painful exercise, but it is important.  A lot of families are on a fixed income. If you are on a fixed income, you can not just walk up to your boss and ask for an extra five thousand dollars a year, unless your in sales, you can not just get extra income.  You need to know how much you are spending and keep it in line with how much you can afford.  If I say “lets go on a trip to New York, you might think that sounds fun lets do that.  But I have left out when we are going to leave, where we are leaving from and how we are getting there.  If I say we are going to drive, you would assume we would be leaving from the Californian Los Angeles aria. 

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