Finding the Best Airline Tickets

Written by Susan Dunn, MA, Personal Life Coach


General advice when you’re shopping forrepparttar best deals onrepparttar 101551 Internet: Plan to spend some time. You may have to visit several sites.

Before you book, investigate refund and cancellation policies, “service fees” per ticket, and whether frequent-flier miles are granted or not.

Check outrepparttar 101552 Message Boards on www.frommers.com and similar sites for information and tips from individuals which can be helpful.

Go to various individual carrier sites and sign up to be notified about special deals. Subscribe to Frommers newsletter. It’s well worth it - http://www.frommers.com/subscribe .

To maximize your chance for gettingrepparttar 101553 cheapest ticket, try these things:

1.Plan to stay over a Saturday, to fly on Tuesdays, Wednesdays or Thursdays after 7 pm, and to avoid returning on a Sunday.

Your mid-year checkup: Get savvy about lowering your taxes

Written by Dorothy Griggs, EA


Are you still owingrepparttar IRS in taxes every year?

Not a great situation to be in, is it? But there is still hope for this year. You have almost six months, in some cases a little longer, to make certain you owe less tax, and possibly no tax, next year.

Here's a blueprint that outlinesrepparttar 101550 keys to lowering your taxes and remaining audit proof. Follow these keys and you're guaranteed to lower your taxes by hundreds, if not thousands, of dollars!

Key #1: Consider a Home Office Deduction

Many taxpayers have avoidedrepparttar 101551 home office deduction because it has been regarded as a red flag for an audit. If you legitimately qualify forrepparttar 101552 deduction, however, there should be no problem. You are entitled to write off expenses - such as rent, utilities, insurance, and housekeeping - associated withrepparttar 101553 portion of your home where you exclusively conduct business. A middle-class taxpayer who uses a home office and pays $1,200 a month for a two-bedroom apartment could easily save $1,200 in taxes a year. People in higher tax brackets with greater expenses can save even more

Key #2: Organize your Records

Good organization may not cut your taxes. But there are other rewards, and some of them are financial. For many,repparttar 101554 biggest hassle at tax time is getting all ofrepparttar 101555 documentation together.

How do you get started?

·Collect receipts and information that you have piled up thus far. ·Group similar documents together; putting them in different file folders if there are enough papers. ·If you have time, enterrepparttar 101556 amounts from all these documents into a computer program like Quicken or Microsoft Excel for quick totals and make a printout for your tax preparer.

You can expect savings of $300 to $400 with your tax preparer and hours of your time. Plus, you're likely to sail through an audit - with fewer assessments and penalties - if you have documentation on hand.

Key #3: Contribute to Retirement Accounts

If you haven't already funded your retirement account, do so by April 15, 2005. Making a deductible contribution will help you lower your tax bill. Plus, your contributions will compound tax-deferred. Your savings will vary. If you are inrepparttar 101557 25% tax bracket and make a deductible IRA contribution of $3,000, you will save $750 in taxesrepparttar 101558 first year. Over time you will save thousands, depending on your contribution, income tax bracket, and number of years you keeprepparttar 101559 money invested

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