By: Arif Halaby | Total Financial Solutions When the day comes that you receive that phone call that your son or daughter is returning home after graduating college and having to deal with college grad’s finances, how are you going to feel?  For some relationships, having each other close is “a dream come true”.  For others, it could be a ...

By: Arif Halaby | Total Financial Solutions When selecting the correct type life insurance policy for your family, people often forget about these three things. “Why am I buying Life Insurance?” Life Insurance is commonly used to help your family replace your income, pay off a house or pay off a large tax bill. Insurance has many other uses including ...

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 ...

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 ...

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. Firstly, always call ...

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 ...

By Arif M. Halaby, President & CEO of Total Financial Solutions, Inc. Everyone needs some type of insurance some time. Whether you own a car, a home, or have loved ones you want to provide for after you’re gone, there are certain basics that you should know before you shop for insurance. Don’t miss a thing. Get breaking Santa Clarita ...