IFS Spotlight Newsletter

Ifrah Financial Services, Inc.

17300 Chenal Parkway
Suite 150
Little Rock AR 72223
501-821-7733
800-954-3724
patrick@ifrahfinancial.com
www.ifrahfinancial.com

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August 2009

	Social Security: What Does the Future Hold? Each year, the Social Security and Medicare trustees issue a report on the financial health of these two programs. The news hasn't been good.
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	Refinancing Your Mortgage: Is It Worthwhile? Mortgage rates on 15- and 30-year fixed mortgages are at all-time lows. So, is now a good time to refinance your existing mortgage? That depends on several factors.
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	Retiring Early? Don't Forget about Health Insurance Thinking about retiring early? As part of the decision, you've got to calculate whether you'll have enough retirement income to meet your needs. While adding up the costs of customary living expenses, utilities, and an occasional vacation, don't forget to include another important retirement expense: health insurance.
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	Ask the Experts: What tax credits are available for making homes more energy efficient? To encourage energy savings, the American Recovery and Reinvestment Act of 2009 expanded the tax credits related to energy-efficient home improvements.
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	Ask the Experts: I'm buying my first home, but I already own an investment property. Will I qualify for the first-time homebuyer's tax credit? Even though you already own an investment property, you may be able to qualify for the first-time homebuyer's credit that was included in the American Recovery and Reinvestment Act of 2009.
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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.