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    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.

    Target Reveals Personal Data Of 70 Million Shoppers May Also Be Affected

    After Target announced last month that 40 million customers had their credit card information compromised, it has also come to light that 70 million customers could have had their personal information stolen, such as phone numbers and email addresses.

    Target Announces Possible Credit Card Fraud Affecting 40 Million Shoppers

    The Target Corporation recently announced that as many as 40 million shoppers could have been affected by unauthorized access of the company's payment transaction data. Customers are encouraged to check their statements for unusual purchases.

    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.