Total Financial Hour Podcast

1st email - William & Carolyn. William has been retired 40 years. His request was to have Arif to explain the laddering concept for others.
2nd email -Todd & Greta selling their business this year. Arif provided recommendations on how to feel confident they will be paid in full for their business.

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1st Hour:

Factors to consider when choosing the right place to live in retirement.

2nd Hour:

1st email - Eileen divorced after 30 years. Elderly mom living with her has life insurance money that needs to be addressed.
2nd email -Couple in their 60's recently sold their business. Asking for suggestions for investing that money.

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1st Hour:

This year more people than ever are turning 65 years old and starting to collect social security with fewer contributing to Social Security.

2nd Hour:

1st email -Jim is considering a second marriage. Arif suggested they have a Living Trust to address the bigger issues, purchase an annuity with a monthly payout, and Life Insurance.
2nd email -Jane & Louis regret spending their money on college for their 2 kids. Arif provided a scenario of laddering annuities for lifetime income.

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1st Hour:

email from Jen - Husband is a liar & a phony. Jen is 63 yrs. old and afraid of retirement. She is planning on working to age 70. Arif explained a Qualified Domestic Order (QDRO) and the option of purchasing a Life Insurance Policy(IUL) with Long Term Disability.

2nd Hour:

email from Jim - 50 years old. He is a singe dad of 2 teenage boys. He wants to teach his sons the value of saving. He plans on retiring at age 70.

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First Hour:

If you are not making as much money as you spend each month. What are your options?

Second Hour:

1st email: LeeAnn & Carl have been retired 2 years and have recently decided to leave CA. Main concern is, how much house can we purchase?

2nd email: Tony is 60 years old, married and has worked in his field for 40 years. He is ready to retire and travel with his wife.

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1st Hour:

California WARN Act: Employers with 75 or more full-time or part-time employees. Must give employees 60 days' notice before a mass layoff.

2nd Hour:

Happy Mother's Day an interview with Donna Halaby, Arif's mom.

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First Hour:

Bank Failures
Lay-offs

Second Hour:

Email from Tom & Sharon. They will be retiring and leaving CA. Questions: Should we sell our home in CA & How do we know how much we will need monthly in the new state?

Email from Laura. She has 2 variable annuities that go up & down and have fees that equal 3.5%. Arif spoke with Laura to understand the details.

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Hr1:

Difference between tax deferred, tax free and taxable income. Seek a trust attorney to avoid probate. CDs vs Fixed Annuities/MYGA. Back door Roth IRAs. Cash value Life Insurance policies.

Hr2:

email #1: Michelle has a special needs son and wants to be certain he will be well taken care of when she is gone. Arif recommended a Special Needs Trust; part of a Revokable Living Trust. Seek an attorney who specializes in this.

email #2: Fred & Mary sold rental property and they are now in escrow in another state. Should we sell our home or allow our son to live there and pay rent?

Arif's first recommendation was, when you leave your job, move your 401k to an individual retirement account. Secondly, yes, it may be a good idea to rent your home for the next 3 years, but not to your son. Recommended to instead give your son part of the profit from renting your house allowing him to rent another home. Lastly, purchase a fixed annuity/MYGA and pull out the interest only for additional supplemental income.

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Hr1:

Inflation is eating up your buying power. Compare Money Market Accounts, CD, and Fixed Annuities. Be aware of fees. Crossing the white line, into retirement, there's no reason to keep running. Stop taking the same investment risks as when you were working.

Hr2:

Email #1- from an Anonymous listener. 66-year-old engineer retiring soon and his wife has already retired. Children are self-reliant. Arif suggested they purchase LTC.

Email #2 - Lyle and Karen, this is their second marriage. He is 72 and she is 56. He wants to be certain his wife will be taken care of when he passes away. RMD begins at age 72.

Review your life insurance with your employer, can it be converted to an individual policy? Leave 3 things to your spouse & kids: Real Estate, Life Insurance and Roth IRAs all are tax free.

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HR1 - ibonds associated with inflation and the max that can be purchased; Indexed Universal Life Insurance "tax free"' - build your wealth;
HR2 - email #1: John will be laid off soon; Jill can retire but concerned about the amount of money that has been lost in her 403b. Their goal is to retire in Prescott, AZ.employees can contribute more to their 401k's in 2023email #2: Jeannette's son and daughter in law need to borrow money for a down payment for their home. She is concerned they may not pay her back. How does she protect her daughter when it comes to an equal distribution of her estate.

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HR1:

Social Security cost of living increase of 8.7%. Benefits of Fixed Annuities and the catches. Record number of Californians leaving the state. California will file for bankruptcy.

HR2:

email #1 - Paul & Lisa are now raising their grandchildren in their 60's. Arif advised them to pay back Social Security and postpone collecting.

email #2 - Woman (Ms. X) 59 years old never married with no children. Financially strong. Arif advised her how to layer her money and how to provide for any future LTC that may be needed.

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Hr1 - EVEN in this recession there are some great opportunities out there for you. PAY off all BAD debt... This will help you survive. Why you should use a credit card as opposed to a debit card

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Hr2 - Arif responds to listener eMails. A listener has been saddled with her daughters School Loans. How do I get me daughter to pay for the loans I signed for.

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Hr1 - Even in this recession there are some great opportunities out there for you. Pay off ALL bad debt... This will help you survive. Why you should use a credit card as opposed to a debit card.

Hr2 - Arif responds to listener emails. A listener has been saddled with her daughters school loans. How do I get my daughter to pay for the loans I signed for?

Does money have feelings? Is it attached to emotions? How does a state pension system work?

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Hr1 - Arif are you moving? Should WE stay or should we go?

Hr2 - Matt Rexroad joins Arif to discuss ESG - Environment Social Government , What is it and how does it affect you.

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Hr1. Arif deals with Financial advisors that use "Important Words" to sound smart. Don't be afraid to ask questions. Don't be dismissed by "you don't need to know I have you covered" type of terminologies. Its your money

Hr2. Arif responds to listener eMails When is it time to take social security? Do you know how it works? Should you wait? Arif clears up the confusion. ALSO What state will give you the best value for your retirement dollar

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Hr1. California Drought may be man made.. How can we fix it? How the rich get richer, in government. What happens when the Gov report bad numbers, for the economy, jobs, violence and more.

Hr2. Arif answers/comments eMails. How to take your retirement funds without losing big bucks. If your a widow or widower, how do receive the benefits your entitled to and not lose it to taxes

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Hr1 - There are BIG changes coming to the market, are you ready? Stagflation is HERE! How do we know? How do I make money in retirement?

Hr2 - Arif responds to listener eMails. Thinking about moving to save money? Those great affordable cities you were looking at, may not so affordable anymore?

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How and when to take your Social Security. What if you come from a split marriage - what wife and what kids get the assets?

Arif reads listener e-mails. Is your retirement only about money or does it include purpose? Why would you leave your retirement money to your kids?

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Hr1 - Do your kids deserve to get your money. Solutions for transfer of wealth to your Children.

Hr2 Arif goes through Listener eMails. How should you distribute money to your kids?

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How does or can Green Energy rules harm your retirement Creating REAL Jobs in this time of uncertainty You need to make sure you have many baskets for Income and as assets

How the left’s symbolism over substance impacts retirement income

Hr2 Protecting yourself in your home, work and out and about Watch those escalating hidden fees Arif reads listener eMails Reverse mortgages? How to handle stocks for retirement and the new tax potholes 57% of Americans paid NO INCOME tax in 2021, How can we maintain

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Hr1- Do you know what to watch for to protect your money? When did news stop being news? Do you understand how bad stagflation is?

Hr2 – STOP signing for your kids' and grandkids' schools loans unless you understand what can happen. Please don’t be buying an RV! Have you seen gas prices? Its NOT a retirement plan.

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We should be on the gold standard again. Is the US Dollar in trouble? What is real wealth? Money to pay bills with a few extra bucks? Or is it when you have enough to give to others when you're gone?

What Kind of institutions should you trust? Should I have life insurance in retirement? Arif answers listener e-mails.

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Joe Biden's economy gets an "F." Street crime, Gascon, and safety. Inflation will explode soon. What is Shrinkflation?

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Purpose of Money determines placement of money. Making a difference in retirement.

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How does the REAL new GREEN deal affect you What’s next HIV passports

Word of the Day “Uncertainty” Be ready to retire in unprecedented inflation

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What is the "The Great" Resignation? Starting a business in retirement? Why does California continue to enact laws killing small business?

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Will California Have to claim BK? Do you have a REAL financial plan? When should you take your SS income. If you end up with long term care responsibilities for your loved ones make sure you check on all Govt programs before dipping into your own resources.

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Is fairness in the real world really Fair? Are the big Corps in the US really for the US? Will California have to claim BK. Thinks aren’t as reported Will you stand up for your principles with your money?

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Student Loans and impact on future garnished wages for SS

IRS is the Student Debt Collection service

Its stealing when you don’t pay your rent

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Inflation… Already here Watching Joe Biden operate is like the story – The King has No Cloths

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Inheriting retirement accounts, the dos and don’ts.

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Total Financial Hour Podcast: Recent Episodes

The Total Financial Hour