A Senior's Life

Can I roll my 401(k) to a Roth IRA?

Why Should I Roll My 401(k) to a Roth IRA?

Rob works for a company that offers a 401(k) plan. He has decided to leave his current job, accepting a new job offer with a different employer. He now has some decisions to make regarding his current 401(k) plan. Rob has some options that are available. He can cash it out and take what is in the account, minus taxes, but this is not advised. He asked his advisor the question, “can I roll my 401(k) to a Roth IRA?” The answer is yes, and it is probably the best thing to do. If Rob does decide to go ahead with the rollover, he must already have an existing Roth IRA account. If he does not, he will have to open a new account before proceeding with the rollover process.

Types of Rollovers:

Direct Rollover from 401(k) to Roth IRA

In regards to his 401(k) plan, Rob has two types of rollover options to choose from. The first is a direct rollover. This is usually the best option. With a direct rollover, the funds from Rob’s current 401(k) account will simply be sent over to the existing Roth IRA account. The only requirement is that Rob must already have an open Roth IRA account. With this type of rollover, there will be no IRA penalties or taxes involved. It is a simple matter of transferring the funds from one account to the other and the process moves very quickly.

Indirect Rollover from 401(k) to Roth IRA

The other type of rollover Rob can elect is indirect. This can be a bit complicated than the direct rollover. Rob has been trying to find the answer to whether he can roll his 401(k) over to a Roth IRA. Now that he has determined that is possible, some valuable time may have already been wasted, especially if he is opting for the indirect rollover. An indirect rollover occurs when there were distributions made from the 401(k). For example, Rob will receive a check for the amount from his 401(k) account. When he receives this check, he will immediately notice that the amount does not coincide with his recent statement. This is because 20% has been taken out of the amount to pay for taxes. This is where things can get complicated. For Rob to complete a rollover, he must follow all IRA rules. First of all, the rollover must consist of the entire amount that was in your 401(k). For example, if Rob has $100,000 in the account, he will receive a check for $80,000. When he goes to perform the indirect rollover, he will have to find a way to produce that 20% that was taken for taxes. This means that it is his responsibility to add $20,000 to the amount of the check. This may sound like a lot of money, and it is, seeing as he has to come up with it quickly, but as long as Rob follows the rules, he will receive that 20% in his tax returns at the end of the year.

Indirect Rollover: 60 Days to Complete the Transfer of Funds

As if that is not complicated enough, there is more! In addition to the 20% subtraction for taxes, Rob must now abide by a set timeframe in which to complete the rollover. From the date the he receives a check for the distribution from his 401(k), he will have only 60 days to complete the rollover. If Rob does not currently have a Roth IRA, he will have to take the time to open a new account. Upon making the transfer when the account is ready, Rob will have to make sure to include the $20,000 taken for taxes. So, he has 60 days to come up with the money, open a Roth IRA account and complete the transfer.

Requirements for a Roth IRA

Now that Rob has received all of the information he needs to determine that he can roll his 401(k) to a Roth IRA, he now must make sure that all eligibility guidelines for the Roth IRA are met. Of course, if Rob already had an existing account, he does not have to worry about this. However, if he does have to open a new Roth IRA, it is important for him to be aware of the Roth IRA rules. One of the most important factors will be the amount of Rob’s income. According to Roth IRA rules, Rob’s current adjusted gross income cannot exceed $120,000 per year. If Rob’s income exceeds this amount, he will not be able to open a Roth IRA account, in which case, he will have to roll his 401(k) over to a different type of Retirement account.

Since Rob is leaving his current job, he must make a decision regarding his 401(k) plan. Rolling over his plan to an IRA retirement account is his best option. A direct rollover is preferred, because it is a faster and simpler process, but it is not always possible. The entire process of rolling over your 401(k) to a Roth IRA, regardless of what type of rollover is conducted, is not overly complicated as long as you abide by IRA rollover chart rules.  Rob no longer needs to ask his advisor, “can I roll my 401(k) to a Roth IRA?”

About the Author

Best IRA Rescue provides services on your IRA investments and traditional IRA and will help you reduce your inherited and beneficiary independent retirement account taxes in your estate assets. Roth on ROIDS is your advanced Roth IRA retirement planning strategy and one of the best IRA tax-savings strategies with benefits of a guaranteed death benefit, guaranteed principal, tax-free growth, and tax-free distributions from policy loans.
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Peter Thomas Roth Blemish Buster Kit $35 This comprehensive collection contains Peter Thomas Roth’s acne-fighting favorites. Maximum strength levels of sulfur and salicylic acid, plus mega-doses of glycolic acid, help loosen sebum, deep clean pores, eliminate whiteheads and blackheads, diminish wrinkles and fine lines and stimulate cellular turnover. Balancing ingredients, such as Trikenol™, aloe vera, willow bark and pro vitamin B5, work to minimize inflammation, irritation, bacteria and scarring. Your skin will look clearer, smoother, brighter—completely transformed.Kits Includes: Beta Hydroxy Acid 2% Wash, 2 ozGentle, yet effective, oil-free acne wash deep cleans without over-drying.Blemish Buffing Beads, 1 ozUltra gentle anti-acne version of Botanical Buffing Beads scrub that may be used on the face and body.AHA/BHA Acne Clearing Gel, 0.5 ozDeep pore clearing gel for normal, oily, combination or problem skin. Acne Spot and Area Treatment, 0.25 ozIncorporates the most advanced and effective acne fighting ingredients.

PETER THOMAS ROTH Botanical Buffing Beads $36 This highly effective, gentle, non-abrasive scrub for all skin types contains soft, ultrafine jojoba beads and botanical nutrients that work in two ways. First, they help exfoliate surface dead skin cells, allowing active treatment better. Then, the ultra-fine jojoba beads help open clogged pores and emulsify the sebum that contributes to blackheads and whiteheads. Unique jojoba beads partially dissolve as they come in contact with warm, wet skin, minimizing the risk of irritation. Leaves the skin squeaky clean, smooth and refreshed. CAUTION: For external use only. This product may cause irritation. Mild irritation may be reduced by using the product less frequently with less pressure. If irritation persists, temporarily discontinue use and consult your skin care specialist. Directions: Using a small amount on the fingertips, add water and gently exfoliate the face, chest and body. Excellent for daily use or use as often as needed. Follow with Peter Thomas Roth Cleanser, tonic treatment products, moisturizer and SPF for day. Net Weight: 8 fl. oz. Ingredients: Water (Aqua), Alpha Olefin sulfonate, Hydrogenated jojoba Oil, Disodium Cocoamphodipropionate, Carbomer, Whole Leaf Alow Vera, Diazolidinyl Urea, Methylparaben, Potassium Sorbate, Disodium EDTA, Fragrance, Ultramarine Blue, Blue #1.

PETER THOMAS ROTH Radiance Oxygenating Masque $50 This masque,PETER THOMAS ROTH Radiance Oxygenating Masque will help you solve problems of dull, congested, dehydrated skin that needs an instant "pick me up". FIFLOW carries oxygen into the dermis helping to reduce the appearance of fine lines and wrinkles and enhances cell renewal leading to a more luminous, healthy looking complexion. SYMWHITE, GIGAWHITE, Glucosamine, potent Tyrosinase inhibitors along with botanical brighteners, Bearberry, Mulberry, Licorice and Vitamin C help to even out skin tone and help to reduce UV induced skin pigmentation. Sodium PCA, Sodium Hyaluronate, mango butter and Vitamin E help to keep skin soft, smooth and years younger. Directions: Use PETER THOMAS ROTH Radiance Oxygenating Masque once or twice a week or before a special event. Massage a generous layer onto clean, damp skin for one minute creating a foaming action. If you do not experience any foaming, apply a heavier layer to skin. A slight cooling sensation indicates that the masque is working. Leave on for five to ten minutes. Remove with water and pat dry. Net Weight:3.4 oz./100 ml Ingredients: Water (Aqua), Cyclopentasiloxane, Perfluorohexane, Methyl Perfluoroisobutyl Ether, Methyl Perfluorobutyl Ether, Ethyl Perfluoroisobutyl Ether, Ethyl Perfluorobutyl Ether, Glycerin, Glyceryl Stearate, Peg-100 Stearate, Ethoxydiglycol, Cetearyl Alcohol, Cocamidopropyl Betaine, Ascorbyl Glucoside (Vitamin C), Sodium Pcam, Nylon-12, Hydrogenated Polyisobutene, Caprylic/Capric Triglyceride, Dimethicone, Ethoxydiglycol, Malva Sylvestris Extract, Mentha Piperita Leaf Extract, Primula Veris Extract, Alchemilla Vulgaris Extract, Veronica Officinalis Extract, Melissa Officinalis Leaf Extract, Achillea Millefolium Extract, Arctostaphylos Uva Ursi Leaf Extract, Morus Alba Leaf Extract, Glycyrrhizza Glabra (Licorice) Root Extract, Mangifera Indica (Mango) Seed Butter, Tocopheryl Acetate (Vitamin E), Panthenol (Pro Vitamin B5), Allantoin, Acetyl Glucosamine, Xanthan Gum, Ethylhexyl Isononanoate, Ceteareth-20, Phenyl Trimethicone, Phenylethyl Resorcinol, Sodium Hyaluronate, Zea Mays (Corn) Starch, Hydrolyzed Corn Starch, Hydrolyzed Corn Starch Octenylsuccinate, Methyl Diisopropyl Propionamide, Ethyl Menthane Carboxamide, Menthyl Lactate, Lauryl Laurate, Polymethylsilsesquioxane, Perfluoroperhydrophenanthrene, Perfluorodecalin, Perfluorodimethylcyclohexane, Polyacrylamide, C13-14 Isoparaffin, Laureth-7, Disodium Edta, Dipropylene Glycol, Methyldihydrojasmonate, Ambrettolide, Propylene Glycol, Diazolidinyl Urea, Methylparaben, Propylparaben, Mica (Ci 77019), Titanium Dioxide (Ci 77891), Blue 1 (Ci 42090).

PETER THOMAS ROTH Uber-Dry Sunscreen SPF 30 $26 Great for normal to oily skin types or those who are prone to acne. PETER THOMAS ROTH Uber-Dry Sunscreen SPF 30 is a revolutionary dry, lightweight sunscreen that provides SPF 30 protection, while leaving the skin with a smooth, shine-free finish. This non-oily formula is virtually undetectable to the touch and ideal for oily and acne-prone skin. Enriched with Vitamins A, C, and E to help fight against free radical damage. Directions: Apply PETER THOMAS ROTH Uber-Dry Sunscreen SPF 30 liberally a minimum of 30 minutes prior to sun exposure. Reapply hourly when in direct sun and after swimming, excessive perspiring or after towel drying. Carefully avoid contact with eyes. Net Weight: 4.2 oz./118 g

Peter Thomas Roth AntiAging Kit $56 A $105 ValueThis 5 piece set includes everything you need to help restore and maintain a youthful appearance.Conveniently packaged in travel-safe sizes, this comprehensive kit includes all the essentials to successfully combat the visible signs of aging.Kit Includes:Anti-Aging Cleansing Gel, 2ozLuxurious, anti-aging facial cleansing gel provides an exhilarating, peachy clean freshness to help produce a beautiful, fresh, youthful-looking complexion. Anti-Aging Buffing Beads, 2ozAn ultra gentle anti-aging version of Botanical Buffing Beads scrub that may be used on the face and body.Retinol Fusion PM, 0.5ozThis potent retinol serum delivers skin renewing benefits via optimally concentrated microencapsulated retinol for maximum results with minimal irritation.Mega Rich™ Intensive Anti-Aging Cellular Crème, 0.28oz An intensive moisturizing crème formulated with our patent pending Firma-CELL-4™ anti-aging peptide technology.Max Sheer All Day Moisture Defense® Lotion, 0.

Peter Thomas Roth UnWrinkle 1oz $120 Up to a 52% reduction in wrinkle size in just 28 days. An exclusive, patent-pending blend of six powerful, highly concentrated, 100% active wrinkle relaxing and anti-aging peptides are combined with vitamins and skin moisturizers to create this wrinkle fighting solution with the highest degree of effective ingredients found in clinical studies.Un-Wrinkle helps boost natural collagen production and leaves skin looking soft, smooth and years younger.Benefits:Visible results after just one application.Up to a 52% reduction in wrinkle size in just 28 days.Specially formulated to target stubborn areas resistant to other treatments such as laugh lines, brow and forehead furrows.Helps lessen the frequency of wrinkle causing movements for firmer, more resilient skin.Dramatically diminishes the appearance of fine lines and wrinkles for smooth, healthy looking skin.Lessens the appearance of deeper, more defined wrinkles.

PETER THOMAS ROTH Un-Wrinkle $120 Visibly reduces the appearance of deep wrinkles from the first application while helping to relax and diminish the appearance of facial expressions that may lead to crows feet, brow furrow wrinkling, laugh lines, frown lines, and other skin creases. Up to a 52% reduction in wrinkle size in just 28 days* Exclusive, patent-pending blend of six powerful, 100% active WRINKLE RELAXING and ANTI-AGING PEPTIDES (highly concentrated at 23%) are combined with vitamins and skin moisturizers to create this wrinkle fighting solution with the highest degree of effective ingredients found in clinical studies. Contains the two newest peptides; SYNr-AKE at 4% (synthetic peptide which mimics snake venom activity) and SNAP-8 at 10%, a safer, pain-free alternative to the injected Botulinum Toxin that topically helps target the same wrinkle formation mechanism. SYNr-COLL at 3%, Argireliner at 3% and MatrixylT 3000 ** (a dual peptide) at 3% complete this patent pending blend of six peptides. Helps boost natural collagen production and leaves skin looking soft, smooth and years younger. Net Weight: 1 oz. INGREDIENTS: Water (Aqua), Dipeptide Diaminobutyroyl Benzylamide Diacetate, Butylene Glycol, Glycerin, Tripeptide, Carbomer, Polysorbate 20, Palmitoyl Oligopeptide, Palmitoyl Tetrapeptide-3, Acetyl Hexapeptide-3, Retinyl Palmitate (Vitamin A), Ascorbyl Palmitate (Vitamin C), Tocopheryl Acetate (Vitamin E), Phospholipids, Dimethicone PEG-7 Phosphate, Palmitoyl Tripeptide-3, Squalane, Sodium Hyaluronate, Propylene Glycol, Methylparaben, Propylparben, Diazolidinyl Urea, PEG-75, Bisabolol, Panthenol (Pro Vitamin B5), Zingiber Officinale (Ginger) Root Extract, Citrus Medica Limonum (Lemon) Peel Extract, Oleth-2, Triethanolamine, Oleth-5, Xanthan Gum, Yellow 5, Red 33, Bis-PEG-18 Methyl Ether Dimethyl Silane, Vanilla Essential Oil, Caprylic/Capric Triglyceride.

PETER THOMAS ROTH Brows To Die For $85 Night Time Eyebrow Conditioning Treatment A nourishing eyebrow conditioner with patent pending technology that addresses sparse, uneven and over-plucked eyebrows. If used daily, brows will look noticeably fuller and thicker. Nourishing brow conditioning treatment helps enhance the appearance of natural full brows. Exclusive patent pending technology helps enhance the appearance of sparse, uneven and over plucked eyebrows. This exclusive complex also delivers vital nutrients essential for bolder, more beautiful brows! Applied daily, brows will appear thicker and fuller. Also nourishes and strengthens brow hair with aloe vera, vitamins A, C & E and pro vitamin B5. • Helps brows to appear fuller, thicker and more healthy. • Nourishes eyebrows. • Proprietary complex improves the appearance of natural brow health • Mineral complex helps condition coarse brow hair follicles • Pro Vitamin B5 • Vitamins A, C & E • Aloe Vera Directions: Apply Brows To Die For once daily directly to the areas where eyebrows need the most help. Use sparingly, only a small amount of product is necessary per application. Do not apply more than once per day. Net Weight: 0.14 oz./4.2 ml Ingredients: Water (Aqua), Aloe Barbadensis Leaf Juice, Panthenol (Pro Vitamin B5), Retinyl Palmitate (Vitamin A), Ascorbyl Palmitate (Vitamin C), Tocopheryl Acetate (Vitamin E), Phospholipids, Sodium Hyaluronate, Hydrolyzed Glycosaminoglycans, Saccharomyces/Silicon Ferment, Saccharomyces/Magnesium Ferment,  Saccharomyces/Copper Ferment, Saccharomyces/Iron Ferment, Saccharomyces/Zinc Ferment, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Cyclodextrin, 17-Phenyl Trinor Prostaglandin E2 Serinol Amide, Triethanolamine, Disodium Edta, Methylparaben, Imidazolidinyl Urea.

PETER THOMAS ROTH Conditioning Tonic $32 Fragrance-free, alcohol-free, dye-free with anti-microbial benzoic acid and salicylic acid for all skin types Conditioning Tonic is a fragrance-free, alcohol-free, dye-free toner that contains tiny amounts of benzoic acid and salicylic acid. This toner removes excess residue and restores skin to its natural pH, allowing skin care products that are applied afterward to penetrate better. Helps reduce the appearance of fine lines, wrinkles and other signs of aging. Net Weight: 8 fl. oz. INGREDIENTS: Water, Benzoic Acid, Salicylic Acid (Beta Hydroxy Acid), Disodium EDTA, Potassium Sorbate, Propylene Glycol, Methylparaben, Propylparaben, Diazolidinyl Urea, Quaternium-15.

PETER THOMAS ROTH Lips to Die For $25 Get full, pouty voluptuous lips with max strength formula and unique triple massaging applicator. Net Weight: 0.3 oz. Ingredients : Petrolatum, Persea Gratissima (Avocado) Oil, Lanolin, Sorbitan Sesquioleate, Methone Glycerin Acetal, Butyrospermum Parkii (Shea Butter) Fruit, Mangifera Indica (Mango) Seed Butter, Octyl Palmitate, Ethylhexyl Palmitate,Tribehenin, Sorbitan Isostearate, Palmitoyl Oligopeptide, Copernicia Cerifera (Carnauba) Wax, Hydrogenated Castor Oil, Beeswax, Aloe Barbadensis Leaf Extract, Tocopheryl Acetate (Vitamin E), Glycine Soja (Soybean) Oil, Allantoin, Benzyl Nicotinate.

PETER THOMAS ROTH Anti-Aging Buffing Beads $36 For face and body Anti-aging technology, rejuvenates, clarifies, brightens with exfoliating jojoba beads, glycolic acid complex, salicylic acid, white oak bark, lemon, allantoin and whole leaf aloe vera for all skin types except ultra sensitive. PETER THOMAS ROTH Anti-Aging Buffing Beads is an ultra gentle anti-aging version of Botanical Buffing Beads scrub that may be used on the face and body. Infused with the same efffective ingredients as the PTR Anti-Aging Cleansing Gel such as a glycolic acid complex, salicylic acid and botanical brighteners to help produce beautiful fresh, youthful looking skin. Ultra-fine jojoba beads work in two ways. First, they help exfoliate surface dead skin cells without irritation, allowing active treatment products to penetrate better. Then, the ultra-fine jojoba beads help refine skin texture and smooth out fine lines. Directions: Using a small amount on the fingertips, add water and gently exfoliate the face,chest and body. For face, follow with PTR cleanser, tonic, treatment products, moisturizer and SPF for day. For body, follow with PTR Anti-Aging Buffing Beads Body Wash. Rinse thoroughly. Combination, oily and acne prone skin, use daily. Normal, dry and sun-damaged skin use two to three times a week at first, increasing to daily usage if well tolerated. For individuals with sensitive skin, use once a week.For external use only. This product may cause irritation. Mild irritation may be reduced by using the product less frequently and with less pressure. If irritation persists, temporarily discontinue use and consult your skincare specialist. Net Weight: 8.5 oz. Ingredients: Water (Aqua), Hydro- Genated Jojoba Oil, Sodium C14-16 Olefin Sulfonate, Carbomer, Aloe Barbadensis Leaf Juice, Disodium Cocoamphodipropionate, Citrus Med- Ica Limonum (Lemon) Fruit Extract, Glycolic Acid, Arginine, Salicylic Acid, Quercus Alba (White Oak), Bark Extract, Allantoin, Propylene Glycol, Disodium EDTA, Triethanolamine, BHT, Diazolidinyl Urea, Methylparaben, Propylparaben, Yellow 5 (CI 19140), Red 40 (CI 16035), Fragrance.

PETER THOMAS ROTH Instant Mineral SPF 30 $30 Brush on PETER THOMAS ROTH Instant Mineral SPF 30 powder for immediate any time UVA/UVB sun-protection. Translucent matte finish with titanium dioxide, zinc oxide, willow bark extract & vitamins A C & E that can be used on everyone. Convenient application for immediate any time sun protection without using an SPF cream or lotion. Silky smooth, finely milled, mineral powder with SPF 30. Indications: It works immediately to block out the harmful UVA/UVB infrared rays to help prevent sunburn, skin damage, freckling & uneven discoloration. Directions: Shake gently; remove cap & press bristles lightly against skin to release SPF 30 powder. Use alone, over moisturizer or make-up on face, hands & chest. Adults & children 6 months of age & over, apply evenly before sun exposure. Reapply after swimming, excessive perspiring or towel drying. To close, pull sleeve up from bottom & replace cap. Net Weight: 0.32 oz. Ingredients: Active Ingredients: Titanium Dioxide 15%, Zinc Oxide 10%. Other Ingredients: Mica, Silica, Zea Mays (Corn) Starch, Tocopheryl Acetate (Vitamin E), Ascorbic Acid (Vitamin C), Retinyl Palmitate (Vitamin A), Salix Alba (Willow) Bark Extract, Iron Oxides.

Peter Thomas Roth – Peter Thomas Roth IT Eau De Parfum Spray $495 An avant garde fragrance for women Delivers sensation of freshness & comfort Top notes of white petal floral, mouth watering fruity accents & dew drops Middle notes of cyclamen, rose, white magnolia with heliotrope, muguet, violet Bottom notes of spic

Peter Thomas Roth – Un-Wrinkle $999 A luxurious anti-wrinkle cream to restore youthfulness Formulated of 6 powerful ingredients to combat aging Visibly eliminates appearance of deep wrinkles & facial expression lines Helps boost natural collagen production Leaves skin looking soft, velv

Peter Thomas Roth – Conditioning Tonic $237 A fragrance-free, alcohol-free dye-free tonic for alln skin types Contains tiny amounts of benzoic acid & salicylic acid Minimizes appearance of fine lines, wrinkles & other signs of aging Removes excess residue & restores skin to its natural PH Gives

PETER THOMAS ROTH Un-Wrinkle Night $110 Deep wrinkle, facial expression, line night cream exclusive patent pending blend of eight anti-aging peptides and neuropeptides at a maximum strength of 24%, retinol, glycolic acid, aloe vera, vitamins A C & E and pro vitamin B5. PETER THOMAS ROTH Un-Wrinkle Night is an exclusive (patent pending) blend of eight powerful, 100% active ANTI-AGING PEPTIDES and NEUROPEPTIDES are combined with SYN-TACKS (new cutting-edge dual-peptide), a mega dose of retinol, glycolic acid, vitamins and skin moisturizers to create this cutting-edge nighttime wrinkle fighting moisturizer. Includes three neuropeptides, SYN-AKE at 4%, SNAP-8 at 10% and ARGIRELINE (hexapeptide) at 3% and five peptides, SYN-COLL at 3%, MATRIXYL 3000 (a dual peptide) at 3% and SYN-TACKS (a dual peptide) at 1% which helps boost collagen and increase skin firmness and tonicity. Designed to assist in cellular renewal, repair daily environmental damage, minimize pores, restore moisture and revitalize the skin while you sleep. Visibly reduces the appearance of deep wrinkles and fine lines from the first application while helping to relax and diminish the appearance of facial expressions that may lead to crows feet, brow furrow wrinkling, laugh lines, frown lines, and other skin creases. Leaves skin looking soft, smooth and years younger. Directions: Apply nightly to face and neck. For best results, apply after using PTR Un-Wrinkle Peel Pads, Un-Wrinkle serum, and Un-Wrinkle Eye as directed. Net Weight: 28 g / 1 oz. Ingredients: Water (Aqua), Aloe Barbadensis Leaf Juice, Glycerin, C12-15 Alkyl Benzoate, Glyceryl Stearate, Isocetyl Stearate, Panthenol (Pro Vitamin B5), Cetyl Alcohol, Persea Gratissima (Avocado) Oil, Tocopheryl Acetate (Vitamin E), Butyrospermum Parkii (Shea Butter), Propylene Glycol Stearate, Retinol, Palmitoyl Oligopeptide, Palmitoyl Tetrapeptide-7, Acetyl Hexapeptide-8, Acetyl Octapeptide-3, Palmitoyl Tripeptide-5, Dipeptide Diaminobutyroyl Benzylamide Diacetate, Palmitoyl Dipeptide-5 Diaminobutyloyl Hydroxythreonine, Palmitoyl Dipeptide-6 Diaminohydroxybutyrate, Retinyl Palmitate (Vitamin A), Ascorbyl Palmitate (Vitamin C), Phospholipids, Allantoin, Dimethicone, Pentylene Glycol, Lecithin, Polysorbate 20, Glycolic Acid, Arginine, Butylene Glycol, Peg-100 Stearate, Caprylic/Capric Triglyceride, Stearoxytrimethylsilane, Stearyl Alcohol, Hydrogenated Lecithin, Edta, Carbomer, Alcohol, Sodium Phytate, Propylene Glycol, Diazolidinyl Urea, Methylparaben, Propylparaben.

Arlen Roth – Lap Steel Guitar $24.95 For lap steel guitar. Music Sales America. Country, hawaiian, jazz. DVD. Duration 45 minutes. Hal Leonard #HOT539. Published by Hal Leonard

1.91 Carat Ira Diamond 18Kt White Gold Engagement Ring $2777 Gentle curves and elegant styling is coupled by a totally unique design. This designer quality piece shows off four princess cut diamonds that are in an invisible setting. The diamonds have a weight of .66 carats, but with the way their set, they have a diameter of a 1 1/4 carat diamond! These sparkling diamond has a clarity of Vs2-Si1 and a color of H-I. Three rows of invisible set diamonds line the shank of this open design. The diamonds have a total weight of 1.25 carats. These diamonds are Vs2-Si1 in clarity and H-I in color. The art-like setting is fabricated in 18K white gold with a total gold weight of 11.0 grams.

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