Hosts: Dr. Gene Dorio and Barbara Cochran
Guest: Airf Halaby of Total Financial Solutions – Topic: New tax and retirement laws and how it affects our seniors;
Guests: Judy Penman, Sandy Risdon and Robert Hill from the Center of Health Care Rights – Topic: HI-CAP Health Insurance Counseling and Advocacy.
Senior Hour on January 23, 2013
Listen to all The Senior Hour Podcasts  here!
Arif Halaby is the owner of Total Financial Solutions and hosts Total Financial Solutions Safer Money Hour which airs Tuesday’s from Noon to 2 p.m.
At Total Financial Solutions, Inc. we want to help you manage money, get out of debt, and save for retirement. We want to build an integrated financial overview for you and your family that is specific to your goals and aspirations. Whether we are working with your entire financial portfolio or one aspect of it, we are committed to treating every client with the same importance.
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Today we live in a world with a “buy now and pay later” mindset. Unfortunately for some people, they're not in the financial position they thought they would be in when later does come. This means what you have bought now can take several more months or years to pay off due to the accumulated interest. Total Financial Solutions can help solve this connundrum.
Get out of Debt
Is debt good or bad? It depends. Debt in and of itself is not inherently bad. Debt is a tool; how it is used and the purpose for which it is acquired determines whether it is good or bad. When used properly debt can provide a multitude of opportunities; if used unwisely, it can be overwhelming. Total Financial Solutions can teach you about good and bad debt and help you with our debt decisions.
Plan for Retirement
Whether your retirement is years away or quickly approaching, the sooner you start saving for retirement, the sooner you will be able to reach or exceed your retirement goals. However, the longer you wait, the more limited your choices become. Regardless of your current stage in life, now is the perfect time to start planning for retirement and we can help.
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