Host: Arif Halaby
Co-Hosts: Mark Murphy and Jeff Girard
Hour #1- Retirement planning myths
Hour #2- Things that will kill your credit
Total Financial Solutions Safer Money Hour , with host Arif Halaby , President & CEO of Total Financial Solutions airs every Tuesday from Noon to 2pm  on Santa Clarita’s Hometown Station, KHTS AM-1220. 
Total Financial Solutions Safer Money Hour With Arif Halaby - Tuesday, April 30, 2013
Arif Halaby and Jeff Girard joined by Ryan Marine come on the air this week to discuss how to begin planning today for tomorrow’s retirement, and look to bust some of the commonly held myths regarding your retirement.
Your retirement is built on many layers, from your assets to your debts, and much more.
“Retirement is more about income, then about building your assets.”
“Most people are living within their means, but you have to live below your means, that’s how you acquire that savings account.”
Where are you going to find value after you retire? Santa Clarita has great community members that continue giving back and continue to stay active within the community after retirement.
The hour wraps up with some thoughts on planning for your child’s college tuition.
The second hour of Total Financial Solutions Safer Money Hour explores the financial game of credit and how to maximize your credit rate.
After paying off your credit card, the last thing you want to do is close it.
“Put it in a bowl of water and freeze it!”
Closing the account without a strategy wipes away the good credit history you have been building up.
“There are three different credit report agencies, and they all give you a different rating...”
The hour wraps up with some final tips to consider when managing your credit.
Get all the information you need about Total Financial Solutions Safer Money Hour  here.
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