When Not to Roll Over a 401(k) to an IRA #how #to #roll #over #an #ira


When Not to Roll Over a 401(k) to an IRA

When leaving your job, the conventional wisdom has long been to take your 401(k) money with you by rolling it into an IRA. And 95% of the time that’s the way to go, says Evan Beach, a certified financial planner for Campbell Wealth Management. in Alexandria, Va. But in some cases, taking the conventional route can be a costly mistake. Some retirees may be better off leaving their money in the 401(k) or finding another, better home for their assets.

SEE ALSO: 10 Things Boomers Must Know About RMDs From IRAs

The decision between leaving money in a 401(k) or rolling it over to an IRA can be as simple as comparing investment choices and costs. Sherry Johnson, 73, who lives in a suburb of Dallas, Tex. had rolled prior employer plans into an IRA when switching jobs. But when she left her final job five years ago, she found a good reason not to leave the 401(k). The plan offered a stable-value fund earning 3% in interest at the time. “It was a vehicle I couldn’t find on the open market,” says Johnson.

Johnson could have replicated just about every other investment choice with a rollover IRA, but not the stable-value fund. She considered the rate too good to give up. “I couldn’t find anything better,” she says. Even though the rate has dropped to 2.02%, it still beat the rate of a three-year certificate of deposit when Johnson recently reviewed her portfolio.

While reviewing investment choices, also look at costs. Company plans typically invest in a mutual fund’s institutional shares, which are generally less expensive than retail shares. Besides fund costs, ask your employer’s benefits department about the administrative costs, says Terry Dunne, managing director of the rollover solutions group at Millennium Trust Co .


Company size can make a big difference in costs: Large company plans can spread the costs among more participants and can often negotiate better deals with custodians. “Small 401(k)s tend to be expensive,” says Beach. “If you have a big plan, say the [federal] Thrift Savings Plan or Boeing’s, costs are usually pretty low.”

Compare the costs of your 401(k) to an IRA to see which gives you the better deal. Beach points out that the fee war that fund firms have been waging has cut investing costs significantly for IRA investors.

Beyond choices and costs, there are other reasons to keep money in a 401(k). Covered by federal law, “401(k)s have strong creditor protection,” says Tom Zgainer, chief executive officer of America’s Best 401(k). IRAs are covered by state law, and the strength of creditor protection varies from state to state. Anyone who worries about being sued may prefer to have their money more strongly guarded.

Your age at retirement might also provide an incentive for keeping the 401(k). If you leave your job in, or after, the year you turn age 55, you can tap that employer’s plan without getting hit by the 10% early-withdrawal penalty. That penalty stretches to age 59½ for money in an IRA or any previous 401(k)s.


SEE ALSO: 6 Tax-Smart Ways to Lower Your RMDs in Retirement

Late retirees can benefit from keeping money in their current employer plan, too. If you are still working past age 70½ and own less than 5% of the company, you don’t have to take required minimum distributions until you actually leave the job. You will still have to take RMDs from older 401(k)s you own and any traditional IRAs you own starting at age 70½. But see if your current company plan allows you to “roll in” money from other retirement accounts. That would allow you to avoid RMDs altogether until you retire.

If You Stick With Your 401(k)

Retirees who want to keep their money in a 401(k) should ask if costs will remain the same. Some plans require ex-employees to cover some administrative expenses.

But how easy it is to manage your money is also key. Besides being limited to preselected investment choices, companies may set other limitations. Quiz your benefits department on how distributions will work and how easily you can tap your money as you need it. For instance, if you need money monthly, but your plan will only allow annual distributions, you may need to rethink keeping money in your 401(k).

If, like Johnson, you own an IRA and a 401(k), you will have to take an annual RMD from each account. There is no mixing and matching RMDs between 401(k)s or between IRAs and 401(k)s. An owner of multiple IRAs can take the total IRA RMD out of any one or combination of the IRAs. An owner of multiple 401(k)s must take the RMD for each 401(k) separately.


And, says certified financial planner Jean Keener, of Keener Financial Planning. in Keller, Tex. “most 401(k)s usually will sell pro rata.” Instead of taking your distribution from one fund in your 401(k), the plan will sell investments based on the allocation of your account. If you have your assets distributed equally over five funds, 20% of your withdrawal amount would come from the sale of shares of each of the five funds, says Keener, who is also Johnson’s adviser.

One other hiccup with distributions from 401(k)s: inflexible tax withholding. Your former employer will automatically withhold a minimum of 20% from each plan distribution. With an IRA, you can choose to withhold no tax or a smaller percentage.

Besides being up to speed on your company plan’s rules for your distributions, check with your plan for its rules on what happens to the 401(k) money after you die. Find out how quickly named beneficiaries must empty the account. And be sure to ask whether heirs will be able to roll the account into an inherited IRA, so that they can stretch distributions over their own life expectancies.

SEE ALSO: 12 Reasons You Will Go Broke in Retirement

Alternative Routes for 401(k) Rollovers

Keeping your money in your 401(k) might not be the right move for you. But if you do roll money out of your 401(k), don’t assume you should roll all of it to a traditional IRA. Another type of account might make a better home for your rollover money.


Those who hold company stock in their 401(k) should consider rolling those shares into a taxable account to make use of a tax-saving break known as net unrealized appreciation, or NUA.

Here’s how it works: Say you have $100,000 of employer stock in your 401(k), with an original “cost basis” of $20,000 and $80,000 of unrealized appreciation. You move the company stock to a taxable account and owe ordinary income tax—of up to 39.6%—on the $20,000. As you sell shares from the taxable account, you will owe tax on the appreciation at the long-term capital-gains rate of no more than 20%, and perhaps 0% depending on your income.

In other cases, you should roll 401(k) money into a Roth IRA. A few years ago, the IRS said it was okay for taxpayers to isolate any after-tax contributions made to the traditional 401(k) and roll them directly to a Roth IRA. No pro rata calculation needs to be figured in this type of conversion, so the after-tax contributions move to a Roth with no tax bill triggered.

And if you aren’t retiring, but moving to a new job in your second act, you might want to roll money from your former employer’s 401(k) directly into your new employer’s 401(k). That will stave off RMDs if you are working past age 70½, and it can open up opportunities such as the “backdoor Roth.” That move lets high earners who can’t make direct Roth contributions put money into a Roth IRA.

By using the 401(k) strategically, high earners can do those Roth conversions tax-free. But it takes a few steps: You would have to roll all your deductible IRA contributions into the 401(k). That would leave only nondeductible contributions in your traditional IRA, which can later be converted tax-free to a Roth IRA.

SEE ALSO: 10 Financial Decisions You’ll Regret in Retirement

Ontario Strongman #strongman,strong,man,training,strongman #training,strength #training,ontario,ontario’s,strongest,association,cfsa,series,canada,competition,comp,comps,competitions,contest,contests,list,atlas,stones,lift,powerlifting,powerlift,power,truck,pull,hold,hand,over,harness,log,viking,press,farmers,farmer’s,farmers #walk,farmer’s #walk,yoke,yolk,deadlift,car,squat,super,press,clean,husafell,husafel,husafelt,medley,stone,barrel,sandbag,sand,bag,conan’s,wheel,fingal,fingers,keg,toss,strength,stone #load,athlete,strength #athlete,compete,throw,weight,bar,heavy


This is Ontario Strongman – once home of the Ontario Strongman Association, and your internet source for Strongman information in the Province of Ontario since 2003. Check out our Resources section for articles and workout spreadsheets.

The site – and the Ontario Strongman Association – came into existance at a time where there was no cohesive direction from the national level, and no central point for Ontario promoters and athletes to come together, plan shows, plan training and workshops, or just communicate with one another. The website admirably fulfilled the stated purpose of organizing and bringing athletes and promoters together across the province, and the Association mandated rules and standards for sanctioned competitions, and fought for (and won) the right to select the athletes to participate in “Canada’s Strongest Man”.

All things must come to an end. Mike Saunders, a Quebec strongman competitor, went to great lengths to establish a new national organization (CAASA ) with representation in each province or geographic area. CAASA is now in their third year of operation, and have been fully embraced by the strongman/strongwoman community. In conjunction with the CAASA efforts, and with the advent of Facebook, Canadian athletes now have a strong communications network, rendering this website unnecessary. With this in mind, the OSA will no longer be “sanctioning” competitions, and this website will be updated only sporadically, unless promoters wish to post their competitions in the Forum, which remains active. Competition posts may also be made on the OSA Facebook page. This site will remain online as a resource and as an archive for past competitions. Please check the CAASA website for local sanctioned competitions.

Please contact CAASA if you are interested in hosting a sanctioned competition.


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FaxFacts – Fax Server Software, Fax Broadcast and Enterprise Fax Software #fax #server, #network #fax, #production #fax, #telephony #integration, #enterprise #fax, #faxfacts, #faxfacts, #nt #fax #server, #fax #on #demand, #lan #fax #server, #fax #mail #merge, #fax-on-demand, #fax #broadcast, #broadcast #fax, #fax #mail, #copia, #mail #merge, #fax #program, #fax #over #ip, #fax #from #desktop


Since 1989, Copia’s FaxFacts fax software has set the standard for performance, reliability, and innovation in the faxing industry. FaxFacts is the last fax software system you’ll ever need to buy.

FaxFacts provides automatic printing and routing for inbound faxes, load balancing, customized graphical cover sheets, extensive reporting capabilities, job administration, and the fastest fax broadcasting capabilities in the industry all from your desktop.

Why does your business need FaxFacts?

Even though email is the primary form of business communication today, fax still plays a vital role in many industries and is often the technology you still entrust your signed PO’s and invoices to. Fax is a reliable and ssecure form of communication and is still the only universal choice for legal and healthcare industires.

Adding fax capabilites to your network can free up wasted resources used in maintaining old equipment or taking up room in your printer rooms.

That’s why you want a system that allows you to fax directly from your desktop as easily as you can print. You also want the system to handle busy fax numbers and have extensive retries automatically so you can move on to your next task, confident that your fax will be delivered.

Faxing no longer becomes a hassle to your employees. Their faxes are delivered straight to their desktop or e-mail inbox while your customers take notice of their personalized fax.

Is your fax server just a glorified fax machine?

There are many options for fax servers, but most lack the features that really make a fax server worth its weight in gold. If you want to integrate your fax operations with the rest of your business, you need a fax server that goes the distance. In addition to just sending and receiving faxes , here are a few things that a FaxFacts system is designed to handle:

  • Load Balancing between Unlimited number of Servers (that means unlimited line support)
  • Intelligent Fax Retry – Ability to only resend pages that failed
  • Exchange/Notes Fax Server Connector (SMTP Email-to-Fax)
  • Compatiable with any email client (Like Outlook, gmail, Notes, hotmail, etc)
  • SMTP E-Mail to Fax Engine – Fax from any e-mail account
  • Utilize existing contact manager/CRM address books – We can support nearly any CRM soltuion on the market (like GoldMine, ACT and SalesLogix, etc.)

Enterprise solutions call for enterprise class platforms

FaxFacts supports high-end fax and voice boards from Brooktrout, Dialogic (Intel Dialogic Boards, GammaFax, and Eico Diva Server family) and Commetrex. With the scalable architecture you start with as few as one phone line and add a virtually unlimited number, so you will never outgrow your system. For a list of supported hardware/software platforms check out the hardware section.

Supplement your website with a Fax-on-Demand System

Sometimes your customers call for a paper copy of a quote, data sheet or PO. The answer to that, even today, is fax!

Fax-on-demand provides an easy way to deliver information at any time to anyone who can use a phone or a fax machine. Copia’s fax-on-demand systems have been in use since 1989 and have long set the standard for performance, reliability, and innovation.

  • Ability to charge caller’s credit card for requested information.
  • Limit access to subscribers using IDs and passwords (stored in the database of your choice)
  • Process and store touch-tone responses (like surveys or call logging)
  • Interface with OCR software to deliver and accept forms or other custom scans. (Requires licensing patent #54614880)
  • Accept alphanumeric input for names and documents from touch-tone keypad
  • Voice recognition capable

Contact Sales for more information at 800.689.8898 or click here to request a quote .

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Compare again before you buy
as prices can change!

The Travelinsurancequotes.com.au website does not provide a policy price comparison from all available travel insurers. While Travelinsurancequotes.com.au reviews insurer prices on a regular basis, we cannot guarantee the accuracy of the information. Please be aware that prices and details are subject to change at any time at each insurer’s discretion.

We recommend all our users to confirm price and policy details with the insurance company directly prior to their purchase. Please note that the information provided on Travelinsurancequotes.com.au is of a general nature and does not take individual circumstances into consideration. Travelinsurancequotes.com.au does not hold an ASFL and is therefore unable to give advice. All views expressed are to be considered general comments that represent the views of the operators of the TravelInsuranceQuotes.com.au site only and should not be considered to be advice. Please note that TravelInsuranceQuotes.com.au may earn a referral fee/commission of up to 20% from an insurer if you purchase a policy after using our service; this does not impact the price you pay. The TravelInsuranceQuotes.com.au website offers general travel information and a price comparison service only. Features or benefits have not been taken into account when preparing the comparison data. The comparison data is not a recommendation or endorsement of any particular product.

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Use of this web site is subject to the following Terms and Conditions. We reserve the right to amend or modify these Terms and Conditions at any time. If a provision is later determined to be unenforceable, the provision will be enforced to the extent which is allowed under relevant laws and statutes. Your license to make use of this web site is conditional upon your acceptance of our Terms and Conditions. You are free to use this web site to read content contained therein, make inquiries, use any tools contained within it, or access member areas. The web site may not be used for any other purpose. You agree that you will not use any device or software to interfere with the operation of this site. All information is copyrighted 2007. Content contained on this site may not be reproduced in any way unless previously authorized by us. By using this site, you accept responsibility to maintain the confidentiality of your account information and password. You agree that you are of legal age to use this service. We have made efforts to ensure that all information contained on the site is accurate and up to date. However, no guarantees or warranties are made as to the accuracy or completeness of the information provided. We are not liable for any loss or damage arising from inaccuracies, errors, or exclusions contained on this web site. Before making any decision, information should be confirmed with the relevant insurance institution. We do not take responsibility for any content submitted to us by you. You grant us a global, non-exclusive, royalty-free, and irrevocable right to use, reproduce, modify, and publish any information you submit (outside of personal information submitted for the use of our stated services). All information collected through this web site will be handled in accordance with the terms of our Privacy Policy. You agree that you have read the privacy policy, and accept its conditions.

Life Insurance Over 50 years old (fifty) – Best level term rates at age 50 #50 #years #old,life #insurance,over #50,over #fifty,best #rates,cheap,low #cost


Term Life Insurance Over 50

Life insurance rates for people over 50 are set for every five-year span. Cheapest rates are offered to those who are between the ages of 50 and 55. The next rate levels cover those 55 to 60 and so on.

Term life insurance for people over 50+ (fifty) rarely covers suicide in the first two years that the policy is owned. Some policies will not cover suicide ever. You cannot be denied a life insurance policy in most cases.

While the rates may be higher if you have had cancer, heart disease or other concerning health issues, most states require insurance companies to offer everyone some form of coverage, so if you are looking for a life ins. policy, you should be able to get some kind of coverage.

Get a customized life insurance quote here!

How Much Are The Premiums

You will find that typical premiums for people after 50 range from $20 a month for a $15,000 policy, to $70 for a $50,000 policy. See more price examples here.

Term life insurance rates are generally cheaper than other permanent types like, universal and whole life.

The last thing you will want to do is leave your spouse, significant other, or children with no money to pay for your funeral. This is why some sort of life insurance coverage is a must-have.

is perhaps the largest of these companies. AARP offers memberships for $16.00 per year. The membership is for both the person who is 50 and his or her spouse or partner.

Membership with AARP offers many benefits including discounted policies for term life insurance for people over 50, automobile insurance, homeowner’s insurance, and even travel discounts. AARP also offers masses of information on common problems and situations that middle-aged people experience.

Over 50?

CLICK HERE for Instant Term Life Insurance Quote

Example Life Insurance Policies People Over 50

Here are some examples of term life insurance policies for those 50 years old and over. These rate examples are just a guide and most likely are not the rates you’ll get. As you can see, they are very affordable. To get your own rates, please go here .

Average monthly costs for a 10 year level term policy for a non smoker woman in good health.

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Masters Degree. Nursing vs. /Non Nursing

I would encourage you to decide on what you want to do as the next step of your career, where you want your career to go, and that will tell you what degree/concentration will most benefit you professionally.

(I should have said yesterday that that would also help you figure out whether a graduate degree or some kind of specialty certification or other training (that doesn’t involve getting a graduate degree) would be more helpful. )

I totally agree with ellpark on this. Your choice of an educational program should depend on the type of work you want to do after you graduate. Answer that question and the educational choice will fall into place.

Too many people do it backwards — and end up investing lots of time and money into degrees that don’t lead them to jobs they enjoy. They end up disliking their job options — and regret the investment they made in the education.

So. what type of work do you want to do in the future?

You can always brows job site and look at the type of degrees that employers are looking for. Do you want to be a manager or nursing leader? Then masters degrees in Hospital or healthcare administration would be a good way to go. Do you want to be more of a generalist? Then a masters in Public Health is a way to go. Researchers will generally have a degree in their field of research. Some nursing schools are experimenting with a new advance practice role called the Clinical Leader, which is similar to the soon to be phased out Clinical Nurse Specialist. You don’t have to be an NP if you want an advanced nursing degree. There is also the Nursing Infomatics masters degree, if you really like working with data and computers.

I don’t want to be a manager. and don’t feel that the CNL would be the right fit. I think the CNS makes more sense for me over the NP and CNL, but, as you mentioned, that is being phased out. I guess that is why I was thinking I should find a degree that is not a MSN, but just works well with nursing. (Although that doesn’t sound like a great option either. )

PS. I appreciate all the advice that I have received!

Voice over IP (VoIP) Service #voice #over #ip #service


Voice over IP (VoIP) Service

Voice Over IP (Internet Protocol) is the technology of transporting voice communications over IP networks.

The current UH Manoa telephone system relies on physical wires that directly connect your handset to a port on the UH Manoa telephone switch at Bilger Addition. A separate data network connects the computer to switches and routers in the building basement, which is then connected to the UHNet via fiber cabling. This separation of voice and data networks will change with the implementation of VoIP.

With VoIP, voice communications run as IP Packets within the data network. A separate voice network is no longer needed.

The handset acts as a normal telephone handset – the only apparent difference is that it connects to the data side of the datajack via standard Ethernet cabling and has an IP address. Existing phone numbers, five-digit dialing and multiple line appearances will be kept with no changes.

ITS managed Power over Ethernet (PoE) switches in the building wiring closets will provide power to the IP Phones through the Ethernet cable and will continue to power the phones for at least 15-20 minutes during a power outage.

VoIP Handsets behave identically to the currently installed handsets. One change would be that basic analog handsets will be upgraded to single line digital display VoIP handsets. For more information about the phone sets and user guides, go to www.hawaii.edu/askus/1405

The handsets are powered via Ethernet, commonly referred to as Power over Ethernet, or PoE (802.3af). The Ethernet switches in the wiring closets will sense if a device is capable of utilizing PoE and only after it determines that it is, will power be sent. This delay and check protects equipment that is not PoE aware. Accidentally connecting a computer or other non PoE device directly to the datajack will not cause any damage.

As much as possible, ITS will disconnect the Ethernet cable from the computer in the office, connect it to the IP Phone and then run a cable from the IP Phone s PC port to the computer.

Current analog handsets will be replaced with a single line IP Phone. Analog lines for faxes, modems, conference phones, etc. will be provided over the IP network through analog gateways located in the main telecom closet in each building – thus no changes will be necessary for these devices. Short downtimes will be required as jumpers are moved to the new equipment.

Avaya Voice Mail

The new Avaya voicemail system provides the following key features:

  • Unified messaging – Voice messages can be forwarded to your email mailbox
  • Reach me – Incoming calls can be forwarded up to three numbers when there is no answer to the phone *
  • Notify me – Text message, phone call, and/or email notification can be configured when a new voice mail message is received *

* Contact ITS at 956-6033 if you are interested in using these options. For more information, see the FAQ at www.hawaii.edu/askus/1358

Avaya Aura Messaing Web Interface User Guide. Avaya Aura User Guide

The VoIP network, while running on the same physical network equipment as the existing data network, is completely separate and isolated.

All IP Phones across campus will be on the VoIP network which utilizes private RFC1918 addresses. At no time is the VoIP network interconnected with the UHNet and thus the IP Phones cannot be reached via the Internet. No IP address changes will be required for computers, nor will any additional IP addresses from departmental allocations be used.

The Ethernet switch port that the IP Phone connects to also provides access to the existing data network. The existing data network will be set untagged while the VoIP network will be tagged . Tagging refers to applying an 802.1Q or VLAN identifier to the Ethernet frame. The IP Phone will look at the tagged frame for voice communications and pass the untagged frame out its PC Port and onto the computer. As the data network is untagged , plugging a computer directly into the jack will continue to function as it does now.

VoIP bandwidth for a typical phone call averages about 16 kilobits per second in both directions. Quality of Service (QoS) settings on all of the ITS switches from the building to the UHNet core will ensure that voice traffic is prioritized over any other traffic – thus even if an Ethernet port is fully utilized, the phone will ring and will be able to place a call with no effect to the sound quality.

As the IP Phones are powered by PoE Ethernet switches from a central location (wiring closets per floor), ITS will be able to provide at minimum a 15-20 minute runtime for the IP Phones in the event of a power outage. Certain locations may have longer run times due to the smaller number of switches and phones. Once UPS power is exhausted at any point throughout the network, IP Phones will not function.

Typical Network Diagram

Why are we switching to IP Phones?

Moving the phones towards a network based system opens up new services to our users and provides cost savings for the University.

Will there be any phone outages?

For IP Phone handsets there will be no outages for the users. Until the old handset is removed, it will continue to function.

Analog lines to faxes and conference phones will incur an outage of approximately 30 minutes as jumpers are moved at the building and at Bilger Addition.

If they wish, users may use the ethernet port on their IP phone to connect their computer and free up the ethernet port on the Telecom outlet for other devices.

Will our network have to change?

No. Addition of the IP Phone will be transparent to your network. The existing data network that is currently coming out of the datajack will now show up on the PC Port of the IP Phone. No readdressing of any computers is necessary.

Will ITS use up my IP address allocation?

No. The IP Phones uses RFC1918 private address space that is completely independent of your allocation. You will not see the IP phones on your network.

Will the Phones work in a power outage?

Yes – ITS will power the phones from the wiring closets with Power over Ethernet switches that are UPS protected. ITS estimates that a typical runtime for the UPS will be at least 15-20 minutes. Some locations may run for a longer period of time.

Will my fax machines and conference phones work?

Yes. These extensions and jack numbers will be identified and analog service will be provided. These devices will incur an outage of approximately 30 minutes as jumpers are moved to the new cabling.

Not the answer you were looking for? Try different keyword combinations and if you still can t find your answer, please contact us.

Sonata Oral: Uses, Side Effects, Interactions, Pictures, Warnings – Dosing #sonata #oral, #effectiveness, #satisfaction, #ease #of #use, #medication, #medications, #medicine, #drug, #drugs, #prescription #drugs, #user #ratings, #drug #ratings, #drug #reviews, #rate #a #drug, #treatment, #side #effects, #drug #interactions, #drug #information, #medical #information, #medical #advice, #warnings, #overdose, #drug #images, #over #the #counter, #indications, #precautions, #webmd




This medication is used for a short time to treat people who have trouble falling asleep. If you have other sleep problems such as not being able to sleep through the night, this medication may not be right for you. Zaleplon is known as a hypnotic. It works on certain centers in the brain to relax you and help you fall asleep faster.

How to use Sonata

Read the Medication Guide provided by your pharmacist before you start taking zaleplon and each time you get a refill. If you have any questions, consult your doctor or pharmacist.

Take this medication by mouth as directed by your doctor. Zaleplon works very quickly, so it is important to take it just before or when you get into bed. Zaleplon should not be used for naps or short sleep periods of less than 4 hours because this may increase your risk of side effects such as memory loss or drowsiness. Your doctor will work with you to find the smallest dose that works for you.

You should not eat a very heavy/high-fat meal within 2 hours before taking this medication since doing so may prevent the drug from working properly.

Dosage is based on your medical condition, age, and response to therapy. Since this medication is usually prescribed for a short time, your doctor will tell you when to stop taking it or when to cut back.

You may feel anxious or have trouble falling asleep in the first day or two after stopping this medication (rebound insomnia ). Contact your doctor if you continue to have trouble falling asleep several days after stopping zaleplon.

This medication may cause withdrawal reactions, especially if it has been used regularly for a long time (more than a few weeks) or in high doses. In such cases, withdrawal symptoms (such as unusual depressed/anxious mood, stomach /muscle cramps. vomiting. sweating. shakiness, or seizures ) may occur if you suddenly stop using this medication. To prevent withdrawal reactions, your doctor may reduce your dose gradually. Consult your doctor or pharmacist for more details, and report any withdrawal reactions right away.

Though it is very unlikely to occur, this medication can also result in abnormal drug-seeking behavior (addiction /habit forming). Do not increase your dose, take it more frequently, or use it for a longer time than prescribed. Properly stop the medication when so directed. This will lessen the chances of becoming addicted.

Inform your doctor if your condition persists or worsens.

Side Effects

Dizziness. drowsiness, short-term memory loss. or lack of coordination may occur, especially during the first 2 hours after you take the medication. Taking the medication properly just before falling asleep will reduce your risk of these effects. If any of these effects persist or worsen, notify your doctor or pharmacist promptly.

Remember that your doctor has prescribed this medication because he or she has judged that the benefit to you is greater than the risk of side effects. Many people using this medication do not have serious side effects.

Tell your doctor right away if any of these unlikely but serious side effects occur: mental/mood changes (e.g. agitation, confusion, seeing/hearing things that are not there, rare thoughts of suicide ), unusual behavior.

Rarely, after taking this drug, people have gotten out of bed and driven vehicles while not fully awake (“sleep -driving”). People have also sleepwalked, prepared/eaten food, made phone calls, or had sex while not fully awake. Often, these people do not remember these events. This problem can be dangerous to you or to others. If you find out that you have done any of these activities after taking this medication, tell your doctor right away. Your risk is increased if you use alcohol or other medications that can make you drowsy while taking zaleplon .

A very serious allergic reaction to this drug is rare. However, seek immediate medical attention if you notice any symptoms of a serious allergic reaction. including: rash. itching /swelling (especially of the face/tongue /throat), severe dizziness, trouble breathing .

This is not a complete list of possible side effects. If you notice other effects not listed above, contact your doctor or pharmacist.

Call your doctor for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088 or at www.fda.gov/medwatch.

In Canada – Call your doctor for medical advice about side effects. You may report side effects to Health Canada at 1-866-234-2345.


Before taking zaleplon. tell your doctor or pharmacist if you are allergic to it; or if you have any other allergies. This product may contain inactive ingredients, which can cause allergic reactions or other problems. Talk to your pharmacist for more details.

This drug may make you dizzy or drowsy. Do not drive, use machinery, or do any activity that requires alertness until you are sure you can perform such activities safely. Avoid alcoholic beverages.

To reduce the risk of dizziness and lightheadedness. get up slowly when rising from a sitting or lying position.

Before having surgery, tell your doctor or dentist that you are using this medication.

Older adults may be more sensitive to the side effects of this drug, especially memory problems, confusion, dizziness, lack of coordination. Dizziness and lack of coordination can increase the risk of falling.

This medication should be used only when clearly needed during pregnancy. Discuss the risks and benefits with your doctor.

This medication passes into breast milk and may have undesirable effects on a nursing infant. Consult your doctor before breast -feeding.


Drug interactions may change how your medications work or increase your risk for serious side effects. This document does not contain all possible drug interactions. Keep a list of all the products you use (including prescription/nonprescription drugs and herbal products) and share it with your doctor and pharmacist. Do not start, stop, or change the dosage of any medicines without your doctor’s approval.

The risk of serious side effects (such as slow/shallow breathing, severe drowsiness/dizziness ) may be increased if this medication is taken with other products that may also cause drowsiness or breathing problems. Tell your doctor or pharmacist if you are taking other products such as opioid pain or cough relievers (such as codeine, hydrocodone ), alcohol, other drugs for sleep or anxiety (such as alprazolam. lorazepam. zolpidem), muscle relaxants (such as carisoprodol. cyclobenzaprine ), or antihistamines (such as cetirizine. diphenhydramine ).

Check the labels on all your medicines (such as allergy or cough -and-cold products) because they may contain ingredients that cause drowsiness. Ask your pharmacist about using those products safely.


If someone has overdosed and has serious symptoms such as passing out or trouble breathing. call 911. Otherwise, call a poison control center right away. US residents can call their local poison control center at 1-800-222-1222. Canada residents can call a provincial poison control center. Symptoms of overdose may include confusion, loss of coordination, slow/shallow breathing, and loss of consciousness.


Do not share this medication with others. It is against the law.

Lifestyle changes may help improve your sleep (e.g. avoid drinking beverages containing caffeine close to bedtime or taking daytime naps). Consult your doctor or pharmacist for more details.

Missed Dose


Store at room temperature between 68-77 degrees F (20-25 degrees C) in a light-blocking container away from light and moisture. Do not store in the bathroom. Keep all medicines away from children and pets.

Do not flush medications down the toilet or pour them into a drain unless instructed to do so. Properly discard this product when it is expired or no longer needed. Consult your pharmacist or local waste disposal company for more details about how to safely discard your product.Information last revised November 2016. Copyright(c) 2016 First Databank, Inc.


Sonata 10 mg capsule

View Larger Picture color light green,green shape oblong imprint 10 mg, SONATA

Sonata 5 mg capsule

View Larger Picture color green,pale green shape oblong imprint 5 mg, SONATA

Sonata 10 mg capsule


color light green,green shape oblong imprint 10 mg, SONATA This medicine is a light green green, oblong, capsule imprinted with “10 mg” and “SONATA”.

Sonata 5 mg capsule


color green,pale green shape oblong imprint 5 mg, SONATA This medicine is a green pale green, oblong, capsule imprinted with “5 mg” and “SONATA”.

Record online sales over Christmas, says BRC – BBC News #discount #online #coupons

#british retail consortium


Record online sales over Christmas, says BRC

Image copyright Getty Images Image caption UK shoppers are ordering more online as retailers focus on web offerings, the BRC says

A record amount of online shopping was done in December 2013, says the British Retail Consortium (BRC).

Close to one in five non-food items was bought online last month, according to the BRC survey.

There was also a 19.2% growth in internet purchases from a year earlier, the fastest increase in four years.

However, UK retail sales in total rose by just 0.4% on a like-for-like basis. The BRC said the figures represented a “respectable overall result”.

Clicks and bricks

Online trading in general represented 18.6% of total non-food sales for the final month of 2013, an increase from 16.5% a year earlier.

The BRC’s director general, Helen Dickinson, said retailers had invested in their websites and improved delivery times, and added that the surge in the popularity and use of smartphones and tablets had also contributed to the rise in online retailing.

She also highlighted multichannel offerings by some retailers as one of the key factors over Christmas.

Image copyright Thinkstock

“This Christmas we’ve seen innovative retailers using click and collect and other approaches to make a virtue of both their website and their physical shops. And that’s something we see growing in importance.”

David McCorquodale, head of retail at KPMG, who conducted the survey for the BRC, said internet sales had surged in the run-up to Christmas.

“Retail sales growth is being driven by the click of a mouse, rather than the ring of the tills,” he said.

‘Fragile recovery’

Ms Dickinson said the overall sales figures were in line with the BRC’s prediction that Christmas trading in 2013 “would reflect that while confidence levels were higher than the previous year, this wasn’t always matched by more money in pockets”.

She added it drew to a close “what has been a year of encouraging but fragile recovery”.

The BRC’s survey found there had been a 0.6% decline in food sales the past quarter.

Image copyright Getty Images Image caption While online retailing has boomed – supermarkets have felt the pinch

Trading updates from some of the UK’s biggest supermarkets on Thursday showed that sales had suffered as competition increased.

Like-for-like sales for the chain Morrisons fell 5.6% in the six weeks to 5 January. Tesco’s like-for-like sales also were down by 2.4% during the Christmas period.

Morrisons said that its lack of online presence had hit sales, while it also suffered from competition from discount supermarket chains such as Lidl and Aldi.

The online retail boom was very much in evidence in late 2013, with many High Street chains expanding their internet offerings, and some shops reporting record figures for the amount customers purchased online around Christmas.

Last week, both John Lewis and Next reported rising sales over the Christmas period, with both retailers experiencing a big jump in online sales.

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