Ifrah Financial Services Newsletter

Ifrah Financial Services, Inc.
17300 Chenal Parkway
Suite 150
Little Rock AR 72223
501-821-7733
800-954-3724
advisor@ifrahfinancial.com
http://www.ifrahfinancial.com/

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November 2006

President & CEO
Patrick Ifrah

Financial Planners
Micah Brown, CFP®
Chris Cooper
Stephen DeSalvo, CFP®
Jim Erwin
Bobby Harris, CFP®
Frank Kelly, CFP®
John Kelly, CFP®
Kyle Pitts, CFP®
Doug Spencer, CFP®

Client Service Group
Robert McCollum
Heidi Roeglin-Banks
Evelyn Rogers
Renee Pearson
Joanna Goldman
Sabrina Spinnato
Latisha Bell
Gavin Dowdy

	Dow Record and the rest of the story... The Dow Jones industrial average hit record highs several times over the course of the last few weeks breaking its previous record set in January 2000. The fact that the Dow has been reaching new heights is interesting, but not as monumental as it appears....by Patrick Ifrah.
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Protect Your Portfolio against Inflation
It's easy to see how inflation affects your daily life--higher gas prices, bigger electric bills, thinner wallet. But what inflation does to your investments isn't always as obvious. Let's say your money is earning 4% and inflation is running between 3% to 4% (its historical average). Your real return is only 1% at best--and that's before subtracting any account fees, taxes, or other expenses. So how do you fight back?

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Health Savings Accounts: Questions and Answers
If you're concerned about the high cost of health insurance, you may be interested in learning more about health savings accounts (HSAs). An HSA is a tax-advantaged savings account that's paired with a high-deductible health plan (HDHP) to help you pay your current health costs and save for future ones. The HSA/HDHP option is part of a growing trend toward consumer-directed health care, and is becoming more popular with employers and individuals as a flexible alternative to traditional health insurance.

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Ask the Experts: Does it make sense to consider a 529 plan if my child is only a few years away from college?
It might, because there are several advantages to funding a 529 account no matter what your child's age. First, withdrawals that are used to pay college expenses are tax free at the federal level. So even if you've waited until your child is a sophomore or junior in high school to open an account, you'll still have a few years of potential tax-free growth on your money.

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	Ask the Experts: Can I open a 529 account for my future grandchild? Yes, you can open a 529 account before the birth of a grandchild, but you have to do it in a roundabout way.
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This publication should not be construed as investment or tax advice. The information obtained in preparing this publication came from sources deemed reliable but Ifrah Financial Services, Inc. makes no guarantee as to its accuracy or completeness. Please consult with professionals prior to making decisions that can impact your financial life.