Host: Arif Halaby
Co-Hosts: Mark Murphy and Jeff Girard
Hour #1- Affecting Credit Through Smart Choices
Hour #2- Planning Savings
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, July 23, 2013
Arif and Jeff began their latest show highlighting the rapid transformation of credit.The history of credit is unique, and how we use it has changed drastically over time. There used to be a time where using credit was a hassle, waiting in line at the grocery store was a headache if the person in front of you was going through their belongings searching for their charge card. Now, most people swipe away all their expenses in life. The tables have turned in the 21st Century, and grocery store lines become stressful waiting for someone to count their dollars or cash, when they could easily swipe, sign and move along with their life. They brought Jennifer Gerard to illustrate her personal experiences with using credit. Arif and Jeff chose Jen for a few outstanding reasons: she is a self made success, entrepreneur, and business owner of Whitening Lightning. She had a terrible experience with American Airlines, where the her money was essentially used in a nonrefundable transaction - which she needed revoked. While the airlines would not return her money, the credit card company (American Express) was able to successfully revoke the transaction and return her money safely. So credit card companies know how significant their role in society is, and knowing how to properly use them can save you heavy heartache and much needed money.
Check out the KHTS podcast to listen to the whole show!
Get all the information you need about Total Financial Solutions Safer Money Hour  here.
Full list of the KHTS Podcasts !