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What is a Digital Versatile Disc Recorder; it merely is a disc recorder that lets you to tape TV children’s programmes or films onto recordable DVDs. They are obtainable as both installable devices for computers or as standalone components for use in studios or home theatre systems. When Digital Versatile Disc Systems were first put up for sale you could easily pay anything up to £2,000 for a rudimentary one, this is today no longer the case.

Digital Versatile Disc System’s have recently become incredibly smart & have completely taken over the VHS recorder, that is now nearly history. Like all things that contain a technology base behind it there are hundreds of different DVD recorders to select from. The most well-liked ones to go for are systems with built in storage Drives. This is a recording device but it doesn’t permit viewers to halt and rewind similar to what you would be able to do on live TV. The principle idea of the Hard Drive in the DVD recorder is so that you are capable to accumulate lots of terrestrial sci-fi programmes to the Hard Drive that can at a later date be burned onto a re-writable DVD. In addition to this you can store immediately to DVD.

Countless DVD recorders with backup drives on average contain an Electronic Programming Guide for setting up recordings. There are currently lots of DVD Recorders with Hard Drives for sale from reputable brands such as Sony, Pioneer, Sharp & others. Why not visit www.digitaldirect.co.uk, to find Cheap DVD Recorders.

The excellent thing currently is that DVD recorders have for no reason been so cheap, with this in mind it is feasible for you to obtain a top of the range system for a very low asking price. The marketplace is driven by the latest technology, new advancements and product quality, of which these are changing almost every calendar day.

If you called my office you will hear my voice mail message that ends
with the words “Expect Success.”

There’s a important intent behind that. What if every time we made a
phone call or personal request or met with a potential new customer,
you expected you would be successful? Do you think your behavior
would be different?

If we truly expected success we would make more phone calls, make
more requests and schedule more appointments. And that would result
in more business, more income, more ease in our workday, and more
overall success.

When we call people or meet with them, we have to hold the attitude that
we are offering them an opportunityan important opportunity, and
maybe even the perfect opportunity for them. If they do not go for it, that’s
fine. Our responsibility to ourselves is to make the offer. It doesn’t matter
what the thoughts and actions of the other person are; it doesn’t matter
whether they agree to what you are offering or not. What matters is that
you go for what you want all the time, every time, and are as proactive
and confident as you would be if you knew you could not miss.

As you well know success is not a destination we arrive at; it is an
attitude we hold along the way. All the joy of our professional lives is not
in the outcome, but in the process. Do not rob yourself of the satisfaction
that lies on the path along the wayenjoy every call you place, every
order you take, every presentation you make. Revel in the process of
being a successtoday.

To expect more success, more of the time, follow these steps:

• Acknowledge all the small successes in the process. Count your
  “wins” daily. Wins are all those things that go your way in a given day
  the letter you wrote, the VIP you finally got hold of, the parking ticket you
  eluded, the compliment you received.

• Smile. Both psychologically and physiologically, this simple, easy
  action improves our well-being, which improves our outlook, which
  prepares us for all the great things we are expecting to happen to us. To
  become fit and healthy from a success standpoint, give your smile
  muscles a workout just like the rest of your body.

• Hold your success attitude in your body. Stand up straight, raise your
  chin up, keep your shoulders back and feet firmly planted. Feel the
  power of personal success in every cell in your body.

• Create a compelling success image in your mind. Once you expect
  your success, see it. Imagine it vividly and in colorwhat are you doing,
  where are you, what are you wearing, how does it feel like in your body?
  Make your success as real as possible in your mind, so your expectancy
  is even stronger and, as a result, your actions even bigger.

• Use an affirmation or set an intentions. State to yourself over and
  over what you intend to create today. State your intentions verbally, out
  loud to yourself; state them silently, in your mind; and record them on a
  cassette tape so that you can listen to yourself stating what you expect to
  create in your life.

• Beyond Affirming, Feel It. Do not stop at the mental part of expecting
  success. Also feel it in your body. You have felt the good feeling of
  connecting, achieving, realizing what you want.

• Be bold. Do all those things today that you know you will do when
  you are more successful. That is how you will create the success you
  strive for in your business and life.

You will never be more successful than you expect you can be. Greet
every day with the belief that good things are going to happen to you.
Expect to be successful with your calls, appointments and projects. Your
work life will be enriched; you will take more risks, make more requests,
and seize more opportunities. That will result in a better life, and that is
what success is all about. I say that people who expect success not only
think they are more successful, they actually are more successful. I urge
you to vigorously and fully prove this theory in your own life.

About The Author

Caterina Rando, MA, MCC coaches entrepreneurs and direct sellers to
succeed with ease. She is a sought after speaker, master certified coach
and author of the national best-seller Learn to Power Think. Caterina is
also the Success Center Director for the Direct Selling Women’s
Alliance and contributing author to the soon to be released book Build it
Big-101 Secrets of Top Direct Selling Experts. Caterina can be reached
by email at
cpr@caterinar.com. Visit her website http://www.caterinar.com for
more articles and a beautiful, colorful downloadable daily inspiration
card.

The washer and drier are usually located in the laundry room and
create heat and moisture. Simple maintenance is required to help
avoiding water problems and mold.

The Washer

The washer is connected to both cold and hot water lines. Check
them frequently. Start with the joints and fix a leak if you
find it. Be sure to check both ends of the water lines. Clean or
replace the filters once in a while. A blocked filter will slow
the water flow into the washing machine, and may cause some
malfunctions. This problem is worse in areas with “hard water”.
Inspect the shut off valve by looking for drips into the washing
machine while it is not in use. If you detect a leak, replace
the valve.

Hoses & Filters

Like in most appliances, problems often start in the hose. Keep
at least 4 inches between the water connection and the back of
the washer. This space will prevent the hose from kinking and
bursting. Check the hoses and replace them if old. Consider
installing steel-braided hoses.

The Dryer

The dryer is connected to a ventilation hose. Check it
carefully. The dryer ventilation hose must be connected to the
outdoors. Search for lint behind and under the dryer and make
sure the vent pipe is not clogged. Make the exhaust short as
possible for the dryer to vent efficiently,

Utility Sink

The utility sink is sometimes the source for water related
problems. Search for leaks under the sink. A drip in the trap
under the sink can be a sign for problems and should be repaired
immediately. Slow draining pipes may indicate a partially
blocked drain. A constantly dripping faucet must me repaired
promptly. Replace sink seals if they are cracked or loose.
Damped or stained walls around plumbing pipes indicate an
internal leak that must be fixed before additional damage occurs.

For more information visit www.RestorationSOS.com Free guides
are available

Whether you’re negotiating a peace settlement in a war-torn country or a peace settlement in an argument-ravaged relationship, strong preparation is the key to success.

The following three steps will help you establish the three keys to your preparation - why you are involved in the negotiation, how you intend to conduct the negotiation, and what are the specific outcomes you are hoping to agree upon.

1. Purpose

Knowing why you are engaged in a negotiation may seem obvious in some situations (to buy a lamp, to stop a fight, etc.), but more complex negotiations generally have more complex purposes.

Ask yourself:

-Why am I negotiating?

-What are the potential benefits?

-What do I ultimately hope to achieve?

2. Result/Relationship Balance

A “transaction” is high result/low relationship - we get what we want, and the other person is incidental to the exchange. Buying a used car is generally a “transaction”.

“Relationship-builders” are meetings, calls, and exchanges of value where developing the relationship between the two parties is far more important than the actual tangible “result” outcome. Early meetings in any project are usually “relationship-builders” - what gets done is far less important than connections being made.

A true “Deal” is where there is a high emphasis on both getting what you want and enhancing your relationship for the future - this “win/win” thinking takes more time and effort, but is essential in any sort of long-term agreement. Successful political (and marital!) negotiations are always predicated on achieving this balance.

Give yourself the following test:

If you had 20 points to distribute between creating the Result you want and enhancing the Relationship, how would you do it?

Example (Result/Relationship):

15/5 - Transaction

5/15 - Relationship builder

10/10 - Deal

3. Outcomes and Options

When it comes to negotiation, having a clear outcome, goal, or target in mind has been shown to be one of the primary determinants in how things come out.

Ask yourself the following questions:

-What specifically do I want?

-What specifically do I think they want?

-What are some plausible options that will get us both what we want?

Bonus Tip:
If you’re using this to prepare for an important negotiation, take some extra time to answer the questions AS IF you were the other person in the negotiation. You will be pleasantly surprised at the insights you gain from this process.

Have fun, learn heaps, and the next time you negotiate, do it like a P.R.O.!

Michael Neill is a licensed Master Trainer of NLP and has written over 450 articles on in the areas of business success, money, relationships, health, happiness, well-being, and spirituality. His weekly coaching column is reprinted in newspapers and magazines throughout the world, and can be found online at http://www.geniuscatalyst.com

Two years ago, the words “multiple streams of income”, did not mean a hill of beans to me. My focus was elsewhere, moving up the corporate ladder. The technology field, at that time, was still somewhat lucrative. I felt comfortable with my “good, secured” technology job.

Call me nave, but, I believed I could ride the rough waters during the demise of the dot-com companies, “911″, and the corporate financial scandals, and still come out on top. Like the former employees of Enron Corporation, I quickly learned, through a lay-off, that dependence on one source of income was not the best model.

I recognized how important it was for me to take charge of my financial future. The concept of having multiple streams of income appealed to me. It was refreshing, invigorating yet reassuring that these options were available to me and I no longer had to settle for a single source of income. From then on, I actively looked for and created opportunities to earn income from different sources.

One form of multiple streams of income is passive income. A good definition for “passive income” bears close resemblance to the word “inactivity”, for it refers to earnings that require little or no substantive activity. Typical examples include royalty from published products, real estate rentals, residual income from a multi-networking business, or dividends earned from investments.

I discovered that entrepreneurs are generally attracted to passive income as a business strategy to augment sluggish financial times, or increase their revenue base.

For example, entrepreneurs crafting a line of product simply by converting speaking engagements into sellable entities such as tapes, e-books, CD/DVDs or articles. This is such a practical concept. So the logical question is how can you as a small business owner expand your revenues to include passive income.

Here are the 5 plus 2 basics steps you should consider:

1. Take a close look at the things you have to offer. It could be the skills or abilities you have mastered that are of value to others. Analyze each one carefully to determine how you can best market it. Review your findings with an unbiased third-party such as a coach to validate your discoveries and help you through the next phases. Always keep an open mind.

2. Use technology to your advantage. Converting your skills and abilities, such as speaking engagement, into marketable products has been simplified and made affordable through the use of technology.

For more information, tuned in on April 13th to hear Coachville’s Guest Expert Kathy Gulrich, talk about “Market Niche to Passive Income in 3 Easy Steps”, http://tinyurl.com/6ns8s.

3. Review ways to convert those skills into saleable products. If you are a speaker with a message for self-employed business owners, consider packaging your talks for sale to a global audience. Be creative and experiment with different styles.

4. Juggling multiple streams of income is not designed for the timid at heart. It requires much effort and persistence particularly in the early stages, but the payoff is worth it. Of course, balance is also important. Consider hiring a coach to help you set SMART goals, focus and stay on track

5. Avoid the temptation to build multiple income streams simultaneously, or you may be in for an exciting ride. Know your limit and go at your pace. For some it may mean building your core business first and then adding on as you are able to. While for others, handling multiple projects at the same time is within their range.

6. Don’t forget to update your business plan and goals to keep you on track with the direction you are taking.

7. Enjoy the experience.

Marilyn Thorpe, Corporate and Life Coach, enjoys helping individuals unleash their potentials in different aspects of their lives to move them to a place of peace and contentment. She also works with master-mind groups to help business owners, retirees, and caregivers create synergy, support and disberse isolation. To learn more, please visit Marilyn’s website at http://www.coachnexphase.com.

As part of her corporate mission, she will be participating in the Women’s Forum for Positive Change Conference, April 15-17, on making the transition from Employee to Entrepreneur. For more information, visit http://www.wfpc-online.org

When one talk about shower baby gifts, it is clear they can vary from the very practical to the extremely bizarre. If you have ever been invited to a baby shower, you know that there are two different kinds of presents you can give the new mom: the gifts that impress her and are useless, and the very practical stuff. If you choose the latter is best, as things given are useful and the shower baby gifts are about having a baby. When we speak about useful baby gifts, we refer to casseroles, or anything you can just heat up to prepare dinner, or the book “What to Expect the First Year”, in which the mother can find a lot of useful information. Commonly baby gifts can vary from extremely practical things, like disposable diapers to things that are bizarre such as a grinder for turning steamed veggies into homemade baby food.

It is normal that the preferences both of the mother and of the infant vary greatly, so that what is “essential” for one mother can be completely pointless for another mom. We will give you some examples: Diaper Genie (a fancy diaper pail), baby-wipe warmers, baby washcloths, hooded towels, Boppy pillows and baby swings. Anything that is related to feeding, like bottles, pacifiers, formula or breast-feeding supplies, breast pads, pump, milk storage bags, can be risky as a present, since it’s hard to know what a baby will like.

But here are some baby gifts that will be highly appreciated by any parent: diapers, wipes, burp cloths — quilted cloth diapers are the best, and make great dust cloths down the road, blankets, terrycloth covers for changing-table pads, crib sheets, especially nice flannel or soft jersey cotton. We can add to the list waterproof mattress pad for the crib or practical clothing in larger sizes. A lot of parents said they had too many newborn-sized outfits and too few for 6 months or older babies.

Dominic is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to his website. If you would like more information go to http://www.babyshoweridea.info

It’s no secret that tea is good for you. It provides antioxidants [which prevent damage to cell tissues], has less caffeine than coffee, and calms the soul. What easier way to reap its benefits than by adding some to your cuisine, especially during the hectic holidays?

Incorporating tea into your cooking is easy, and you don’t have to know a lot to start experimenting. The quickest way to get started is to grab a few teabags and throw them in the water when steaming vegetables, according to Ying Chang Compestine, author of *Cooking With Green Tea* (Avery/Penguin Putnam, 2000). “Infusing vegetables this way adds a delicate flavor to the food. The ones I like to use are Celestial Seasonings Blueberry Tea, or Lemon Ginger Green Tea,” she says.

“It’s also very easy to use tea as a spice when stir frying,” says Ying. When using tea in this way, you add the dry tea leaves to the heated oil as you would any other spice or seasoning. “I have all kinds of tea next to my spice rack. For chicken or fish I use green or white tea. It just depends on what I’m cooking,” she adds.

Most people have teabags in their cupboards, but may not have full leaf teas. “Don’t worry about getting loose tea or knowing about loose teas,” Ying advises. “For most cooking, bag tea is much easier. Just snip the teabag open and use the tea.”

“One thing I love to do is to cook rice with jasmine green tea,” says Donna Fellman, Director of the Tea Education Alliance and author of *Tea Here Now* (Inner Ocean Publishing, 2005) “For a heartier, savory meal use oolong [a tea that is considered in between green and black] to make your rice. It’s lovely.”

To prepare rice this way, start by making the tea. Donna recommends using loose tea leaves for this recipe. Put a teaspoon or two of leaves per cup of water in a teapot or other vessel. Heat the water to almost boiling and pour over the leaves. Steep about three minutes. Remove the spent leaves and set aside to use again later. Bring the brewed tea to a boil and add the rice. Turn down to a simmer and look forward to the delicate aroma that will soon fill your kitchen.

It’s important not to over brew tea whether you intend to use it in a recipe or drink it. Making tea stronger is not a result of longer steeping. “Any kind of tea is going to get bitter if you over brew it,” says Lenny Martinelli, Owner and Executive Chef of the Boulder Dushanbe Tea House in Colorado. “When I cook with tea I make the brew stronger by adding more tea to it.”

Consider serving chai during holiday meals, which naturally lends itself to the season with its cinnamon and clove.

The adventurous cook can experiment by combining tea leaves with other vegetables as Lenny does in his potstickers [a type of Chinese dumpling]. “I put some green tea leaves in the filling, maybe with some spinach.” For a tea-inspired holiday recipe, he creates a chicken rub with spiced black tea, cumin, coriander and cinnamon. “A nice holiday roasted chicken with dried fruit sauce, de-glazing the pan with orange juice and letting the tea and spices come out.” He adds, “I think sometimes people expect too much from the tea leaf when they cook with tea. You’re not trying to make a full tea flavor. It’s important to treat it like an ingredient. Just play with it.”

What about dessert?

Teas flavored with jasmine, rose, lemon or fruit are used to make cookies, pudding, ice cream, cake, smoothies and shakes. Try Ying’s quick green tea ice cream: Stir 1/2 teaspoon of matcha [Japanese powdered green tea] into 1 cup of softened vanilla ice cream and refreeze it. How easy is that?

In the end there is nothing like taking time out for yourself so that you can enjoy the holidays. “Make sure that while you’re busy preparing delightful holiday food that you take time to sit and enjoy a cup of tea,” says Donna. “You will get more of tea’s health giving and soul nurturing properties. The tea will prepare you to cook in a mindful way and will infuse your food with that calmness, which gets passed along to your family and guests.”

Ying Chang Compestine is spokesperson for Celestial Seasonings. More information about her and her books is available at www.yingc.com. Donna Fellman and Bodhidharma Tea Company can be reached at 303-402-9576. Lenny Martinelli’s cooking classes and other tea events are listed at www.boulderteahouse.com.

Freelance writer and Tea Promoter Terry Calamito publishes the free weekly ezine “Start Sipping.” If you’re a tea lover or just want to find out about tea’s health benefits and maybe slow down a little to have a cup, subscribe for free at http://www.switchtotea.com.

It’s a common question we come across everyday: why is business getting more difficult now? Well, it all starts with your company’s sales competencies. The strange thing is that many companies spend lots of money and time training its people how to sell their products but not how to sell.

Avoid the sales peaks and troughs experienced by the average salesperson by building an individual selling system that will guarantee you results…

Step 1: Goals

Without clearly defined goals, measured over a specific time frame, you will achieve very little. When setting your goals consider your income, lifestyle and requirements.

First aim to improve your last years’ income by a specific amount, or, if you are new to sales, aim to achieve as close to the top sales person in your team as you can.

Step 2: Prospecting

The level of success achieved by salespeople will always be determined by the number of customers self generated, that is other than floor traffic or telephone enquiries generated by your advertising.

Put a system in place to regularly find new customers from referrals, past customers etc.

Build up your database of loyal customers that you can sell time after time.

Step 3: Qualifying

Qualifying is the factor, which has the greatest impact on the management of your time. You have to become skilled in sorting prospects. The greatest stress in your career will come from working with unqualified prospects, be it someone who refuses to buy at a fantastic price or someone who is not ready, willing and able to buy at all.

Step 4: The Sales Process

The key to a successful sale is the ability to build rapport and trust with each customer.

Meet, greet and build rapport, settle them on a model, garment or product to demonstrate.

All the time check by asking trial-closing questions then asks for their business.

Remember to sell the benefits of your product speaking in their own linguistic modality. For example talking to an auditory person about a car engine you would say.

“Listen to that engine, doesn’t it sound great?”… Or to a visual person your could say, “You see how smooth that engine is”…

Step 5: Follow up

This is the first step to the next sale to your customer or to obtaining referrals from them… First a thank you letter, then a 7 day follow up call followed by a call at least every 9 days. This will ensure a steady stream of referrals… All you have to do is ask

Remember… Do what you most fear to do, and you will have the results you most want to have…

Gordon Goh is author of the free, informative website Simply Motivation offering quality useful tips for Motivation

The costs of scuba diving equipment can easily run over $1,000
dollars. Although renting is always an option, for a diver that
is developing a long term interest in this sport, purchasing is
worth your while, not just in money but also in the quality of
your scuba equipment.

Without going into the pros and cons of renting vs buying the
scuba diving equipment, let’s talk about the various types of
scuba equipment that you should consider buying and how much you
should budget for spending on them.

Mask: a mask can range from $20 to $150.00 dollars. A mask has
relatively little travel inconvenience compared to other scuba
equipment so packing it in a suitcase and walking around in it
will not be a big challenge.

Snorkel: They should not run you more than $50.00, and the lower
end will be around $17.00

Fins: Although they are not as easy to pack as a pair of
snorkels, they range from $30 to $150.00 and are more affordable
than many other scuba diving equipment.

Regulator: They range from $150 - $500, sometimes even more and
are at the higher end of the price range than other scuba
equipment.

Exposure suits: They vary according to type (ie wetsuit vs
drysuit). Check here for types and prices.

BC: Typically from $150 to $500.00 and like regulators, are also
at the high end of the price range than other scuba diving
equipment.

Weights: $1.70 a pound.

Tanks: Between $100 to $400.

Remember, the last two are heavier to carry around than the
others. We recommend buying tanks and weights last, and the
others before as they are less expensive, and easier to pack and
travel with.

The maintenance for scuba equipment is astonishingly the same.
Although there is specific preventative care that is required
for only for dive suits, tanks, or BCs, there are some things
you can do to all your scuba gear that will insure a long life
for them.

After every dive, make sure to give your all of your scuba gear
a good rinse with fresh water.

After rinsing the scuba diving gear, allow it to dry, but not in
direct sunlight. Most of the scuba equipment that you carry is
made of neoprene rubber, which can be broken down when exposed
to direct sunlight. Extra care should be taken between dives,
when they are most vulnerable to the sun, especially in tropical
climates

Whether you have a wet or a dry suit, neoprene exposure suits
should be hung on a non-wire hanger to dry. Wire hangers can
cause unnecessary creases.

All your scuba diving equipment should be stored in a cool, yet
dry place.

Separate your neoprene related equipment from your other scuba
gear, especially if they are damp. Over time, they can stick
together and tear when pulled apart.

After you return from your dive trip, make sure to unpack as
soon as possible to prevent any compression or flattening of the
scuba equipment that you paid good money for.

Switching your job? Retiring? Congratulations! A window of opportunity opens for you with the Rollover Individual Retirement Account or Rollover IRA.

In an era of corporate restructuring and outsourcing, Rollover IRA is among the most powerful means available for securing one’s retirement. Yet, its potential to enlarge one’s assets for the sunset years commonly remains under-appreciated.

The Rollover IRA dramatically increases the range of choices available to you for investing your retirement savings. By offering investment choices hitherto unavailable in employer-sponsored plans such as 401k, 403b, or Section 457 plans, Rollover IRA provides you the means to have direct control of and more aggressively grow your nest egg.

This article discusses the advantages of Rollover IRA over employer-sponsored retirement plans.

So, if you are leaving your job and have accumulated assets in the employer-sponsored retirement plan, continue reading this article to learn about your options and more.

Four Options

You have four options on what you can do with your savings in your employer-sponsored plan when you are switching jobs or retiring.

1) Cash your savings.

2) Continue with the retirement plan of your previous employer.

3) Switch to the retirement plan sponsored by your new employer.

4) Set up a Rollover IRA account with a mutual fund company and move your retirement savings into that account.

Unless you have a pressing need, it is best not to cash your retirement savings. First, cash withdrawals from the retirement plan will be subject to federal and state taxes. Second, your retirement savings diminish and you will have fewer assets to grow tax-deferred.

While the three other options will not erode your retirement savings and will allow it to grow tax-deferred, they are not equal in their ability to help you boost its growth rate.

Increased Investment Choices

Most employees earn meager returns on their employer-sponsored retirement plan savings. A Dalbar study reports that the average 401k plan investor achieved an annual return of just 3.5% during a 20-year period when the S&P 500 returned 13.0% per year.

Part of the problem stems from the fact that most retirement plans offer only a limited number of investment choices. A Columbia University study finds the median number of mutual fund choices in 401k plans to be just 13. The actual number of equity mutual fund investment choices however is less, since the median number includes money market funds, fixed income funds, and balanced funds.

With fewer investment choices, employer-sponsored plans limit your ability to take advantage of different market trends and to continually position your retirement savings in mutual funds with superior risk-reward profiles.

If you set up a Rollover IRA with a large mutual fund company such as Fidelity Investments, T. Rowe Price or Vanguard Group, you will break the shackles imposed by your employer-sponsored plan and dramatically increase the number of mutual funds available for investing your retirement savings. Fidelity, for example, provides access to several thousand mutual funds besides the more than 180 mutual funds it manages.

Setting up the Rollover IRA

Let’s say you decide to move your retirement savings to a Rollover account with a mutual fund company. How do you make it happen?

Contact the mutual fund company in which you wish to open an account and ask them to send you their Rollover IRA kit. Complete the form for opening the Rollover IRA account and mail it to the mutual fund company. Next, complete any forms required by the retirement plan administrator of your previous employer and request transfer of your assets into the Rollover IRA account.

You have two choices for moving your retirement savings to your Rollover IRA account. One is to elect to have the money transferred directly from the employer-sponsored plan to the Rollover IRA account. This is called direct rollover. With the indirect rollover alternative, you take the distribution from the retirement plan and then deposit it in the Rollover IRA account. Unless exceptions apply, you have 60 days to deposit the distribution and qualify for tax-free rollover.

Boosting Your Rollover IRA Performance

You need a well thought-out strategy to benefit from the wide range of investment choices available in the Rollover IRA. You can develop the strategy yourself or derive ideas from investment newsletters.

The investment strategy will enable you to maximize return and minimize risk by leveraging the potential of different investment vehicles within each asset class. For example, you can include sector funds among equity investments and international bond funds among fixed-income investments.

Adding to Your Rollover IRA

You can leverage the potential of your Rollover IRA further by adding to it each time you change jobs. With the Rollover IRA already set up, all you have to do is to instruct the retirement plan administrator of your last employer to transfer assets to the Rollover IRA. There is no limit on the amount of money you can transfer.

You may also add money to your Rollover IRA through regular annual contributions. They are however subject to the annual limit for IRA contributions.

Summary

When you are switching jobs or retiring, the Rollover IRA opens a window of opportunity for you, widening the range of investment choices for your retirement assets hitherto not available in the employer-sponsored plan. The self-directed Rollover IRA empowers you to construct and manage a mutual fund portfolio to boost the growth rate of your retirement savings.

Notes: This report is for information purposes only. Nothing herein should be construed as an offer to buy or sell securities or to give individual investment advice. This report does not have regard to the specific investment objectives, financial situation, and particular needs of any specific person who may receive this report. The information contained in this report is obtained from various sources believed to be accurate and is provided without warranties of any kind. AlphaProfit Investments, LLC does not represent that this information, including any third party information, is accurate or complete and it should not be relied upon as such. AlphaProfit Investments, LLC is not responsible for any errors or omissions herein.

Opinions expressed herein reflect the opinion of AlphaProfit Investments, LLC and are subject to change without notice. AlphaProfit Investments, LLC disclaims any liability for any direct or incidental loss incurred by applying any of the information in this report. The third-party trademarks or service marks appearing within this report are the property of their respective owners. All other trademarks appearing herein are the property of AlphaProfit Investments, LLC. Owners and employees of AlphaProfit Investments, LLC for their own accounts invest in the Fidelity Mutual Funds included in the AlphaProfit Core and Focus model portfolios. AlphaProfit Investments, LLC neither is associated with nor receives any compensation from Fidelity Investments or other mutual fund companies mentioned in this report. Past performance is neither an indication of nor a guarantee for future results. This document may be reproduced only in its entirety including the author’s bio and hyperlinks to AlphaProfit’s web site.

Copyright © 2006 AlphaProfit Investments, LLC. All rights reserved.

Sam Subramanian, PhD, MBA is Managing Principal of AlphaProfit Investments, LLC. He edits the AlphaProfit Sector Investors’ Newsletter. The investment newsletter, ranked #1 by Hulbert Financial Digest, offers model portfolios that are popular with Fidelity 401k and Rollover IRA investors. To learn more about the investment newsletter, visit http://www.alphaprofit.com