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DID YOU KNOW?

	Are you in sales? You may not think you sell for a living, yet the answer to the question is probably, “Yes.” Whether your business success revolves around bringing in more clients, receiving quality referrals, or actually closing more deals… you're in sales, and just like the rest of us, you’re selling all the time. Nothing happens in the world of commerce until something gets sold. The fact that you're in sales means you face a dilemma. You have to sell to live... and virtually no one likes to be sold to. You’re probably proud of the product, service, or expertise you market and sell, yet most of the people that work with me in my “Language of Success™” programs tell me that they’re not really comfortable with “the whole sales thing.” I tell them that they’re not alone in the way they feel. That may not give them much comfort, but it’s true. Here’s a little game I play with my speaking audiences that shines a glaring spotlight on our discomfort with selling. I give them a familiar word and ask them to respond with the first word that comes to mind. You can play along right now. Here’s the word. Remember to respond with the first word that comes to mind. Ready? The word I’d like you to respond to is, “salesman.” The audience members start shouting out words like, sleazy, liar, run away, slick and manipulator. What did you come up with? Whatever the word, I’ll bet you it isn’t flattering. Listen to the internal dialogue we have about selling and sales. It’s amazing we sell anything at all. In order to sell more... you need to make a shift in the language you use when talking to others about what you do. In order to sell more... you need to make a shift in the language you use when talking to yourself about what you do. The Language of Success provides you with a new way to think about your business and a new way to talk about your business. Here’s the tip – Pay close attention to your internal dialogue about selling and sales. Do the words you use motivate you, or depress you, when it comes to your business development efforts? In the next installment of these “Language of Success” articles I will provide you with a different way to look at what you do so you can get in front of more quality contacts, and then “Turn those contacts into contracts, or clients, more easily and more often™.” Copyright 2006 Ike Krieger

A Roth IRA is an individual retirement account wherein a person can save his or her tax-deducted income for retirement and get tax-free earnings in returns. It is different from the traditional IRA account, in that the earnings are tax-exempt, but the earnings may or may not be tax-free.

There are two ways to contribute funds to the Roth IRA account. One is by simply depositing compensation income, which can be the income obtained in the form of wages, earnings from a self-employed work, or even alimony. The other way is to convert funds from a traditional IRA to the Roth IRA. This can be done by taking funds from the traditional IRA account and depositing them into the Roth IRA account within 60 days of receiving the funds. Therefore, a Roth IRA Conversion account is a retirement account created when a person converts his or her regular IRA account into a Roth IRA account. To convert a regular IRA account into a Roth IRA account, you have to meet certain eligibility criteria. The Conversion is not allowed if the modified adjusted annual gross income exceeds $100,000. This applies for single tax-return filers, and also married couples filing their tax returns jointly.

It is important to note that the entire amount used to convert a regular IRA account into a Roth account, is subject to income tax. This is because contributions to a Roth IRA are tax-deductible.

So far as withdrawals or distributions are concerned, the rules for a Roth Conversion account have a penalty for early withdrawal. This means that there is a penalty if the distribution is made within the first five-year period beginning from the year when the first contributions were made from a regular IRA.