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Would you be willing to invest just $495. 00 and $49. 00 a month to save $3,000. 00 on your taxes this year and every year?

YTB Travelmore, now offers you the ability to start your own home based travel business complete with your own online travel booking website.

“Click” Join YTB, to you sign up, you immediately qualify for more than a dozen tax deductions for your small business, but you must do so by December 31, 2007.

Click here to save on your 2007 taxes and save up to 70% on travel, which is also tax deductable.

A dozen deductions for your small business

Small-business tax rule No. 1: Don’t mess with the IRS.

But that doesn’t mean you should cheat yourself. Take every legal deduction you can. Here are a dozen that even savvy small-business owners and entrepreneurs sometimes forget:

1. Home office

Concerned that claiming a home-office deduction is tantamount to sending an engraved invitation to an Internal Revenue Service auditor? Don’t be, says Jan Zobel, author of Minding Her Own Business: The Self-Employed Woman’s Guide to Taxes and Recordkeeping.

“I don’t agree that chances of getting audited are greater with a home-office deduction,” says Zobel, a San Francisco Bay-area tax expert, who specializes in serving the self-employed. In her own practice, she has prepared more than 400 returns a year for the last 25 years. And while at least half of her clients claim a home-office deduction, only one home-based entrepreneur has been audited.

The key here is that you use the term “home office” the same way the IRS does. The tax agency says it must be a space devoted to your business and absolutely nothing else. Deducting the den that houses the family computer and serves as a guest bedroom won’t fly with Uncle Sam.

“If you only have one computer and you have a child over four, the IRS is going to be pretty certain that the child is using the computer,” says Zobel. “And the burden of proof is on you. “

The deduction, however, isn’t limited to a full room. Your home office can be part of a room.

Just how much of the space is deductible? Measure your work area and divide by the square footage of your home. That percentage is the fraction of your home-related business expenses — rent, mortgage, insurance, electricity, etc. — that you can claim.

2. Office supplies

Even if you don’t take the home-office deduction, you can deduct the business supplies you buy. Hang onto those receipts, because these expenditures will offset your taxable business income.

3. Furniture

When your office supplies are more than just pens and paper, you have another tax-cutting opportunity.

Office-furniture acquisitions provide a couple of choices. Deduct 100 percent of the cost in the year of the purchase or deduct a portion of the expense over seven years, also known as depreciation.

To take the whole cost in one tax year you’ll use the Section 179 deduction (named for the part of the tax code where the law appears). Recent tax-law changes have made this deduction even more attractive. For the 2006 tax year, a business owner can expense up to $108,000.

If you choose instead to depreciate the desks and filing cabinets, you can’t simply split the cost into equal portions over the depreciation period. Instead, you must use an IRS chart to make separate calculations each year.

Which is better for you? Anticipate the times that your business will need these deductions the most. Both options are reported on IRS Form 4562.

4. Other equipment

Items such as computers, copiers, fax machines and scanners also are tax deductible. As with furniture, you can take 100 percent up front or depreciate (this time over five years).

5. Software and subscriptions

The recently increased Section 179 provides another tax break in this area of business expenses. Previously, a company had to depreciate the cost of computer software over three years. Now, off-the-shelf software a business buys can be fully expensed in the year purchased.

The rules for deducting business and industry-related magazine subscriptions weren’t changed. You can continue to take the total costs as a full deduction in the year spent.

6. Mileage

If you drive for business, the IRS wants to give you some of your money back. But Uncle Sam loves documentation, so keep a notebook in your vehicle to record the date, mileage, tolls, parking costs and the purpose of your trip.

At the end of the year, you have two choices. You can total the mileage and add in the tolls and parking to calculate your deduction. Once you have your mileage total, multiply it by 44. 5 cents for your 2006 deduction. For 2007 business tax purposes, the rate goes to 48. 5 cents a mile.

Or you can measure your business usage against your personal driving and deduct that portion of your auto-related expenses, says Zobel. Remember to include gas, repairs and insurance.

If you are leasing, include those payments. If you buying the car, factor in the interest on your loan and depreciation on your vehicle.

And if your company’s office is at your house, you get a bit more of a break. You can deduct the entire business-related mileage, from the minute you pull out of the driveway until you return home, says Gary W. Carter, author of J. K. Lasser’s Taxes Made Easy for Your Home-Based Business: The Ultimate Tax Handbook for the Self-employed

If your business is not home-based, your mileage meter starts at your first business-related destination and ends at your last. You can’t include the drive to and from home, says Carter, a CPA and professor at the University of Minnesota. In this case, try to schedule several business appointments on the same day to allow you to take the mileage between stops as a tax write-off.

7. Travel, meals, entertainment and gifts

Good news, small-business travelers. You might as well stay in a nice hotel, because the entire cost is tax deductible. Likewise, the cost of travel — air, rail or auto — is 100 percent deductible, as are costs associated with life on the road (dry cleaning, rental cars and tipping the bellboy).

The only exception is eating out. You can deduct only 50 percent of your meals while traveling. So stay at the Ritz and eat at Wendy’s.

Once you get home, your on-the-job meals aren’t deductible — unless you bring along a client to talk business. In this case, you might consider splurging on a fancier meal because then you can write off half such work-related dining costs.

The 50-percent deduction limit applies to most other client entertainment expenses, too. But a direct gift to a client or employee is 100 percent deductible, says Zobel, up to $25 per person per year.

8. Insurance premiums

Self-employed and paying your own health insurance premiums? These costs are 100 percent deductible.

This break primarily benefits proprietorships, but there are limits. The deduction can’t be more than your business’ net profit. And it’s not allowed if you were eligible for other health care coverage, including that offered by your employed spouse’s medical plan.

Did your spouse work for you last year? Then, says Carter says, you can get the full medical premiums deduction on your return. As an employee, your spouse’s premiums are 100 percent deductible; if you and the children were on her policy as dependents, so are those costs.

Two caveats: 1) Your spouse’s employment must be real, not in name only, and you must offer coverage equally to any other employees. 2) Failure to meet these requirements could result in a lawsuit, an audit or both.

You also can include some of the premiums you pay for long-term care insurance for yourself, your spouse or dependents.

9. Retirement contributions

Are you self-employed and saving for your own retirement with a SEP-IRA or Keogh? Don’t forget to deduct your contribution on your personal income tax return.

10. Social Security

The bad news: If you’re self-employed or starting a small business, you have to pay double the Social Security contributions you would as an employee. That’s because federal law requires the employer pay half and the employee pay half. Self-employed workers are both, meaning the total will equal 15. 3 percent of your net profits.

The good news: You can deduct half of the contribution on your 1040.

11. Telephone charges

You can deduct the cost of the business calls that you make for business from home. When your bill comes in, circle the business-related calls, total them up and keep a copy. At the end of the year, tally your 12 bills and deduct 100 percent.

The IRS assumes that you will have a phone in your house anyway, so Zobel cautions that regular fees and charges don’t count toward your deduction. But if you have a second line installed and use it only for business, all of these charges are deductible

.

12. Child labor

“It’s always good to employ your kids,” says Carter. Depending upon how much you paid them, they might be able to avoid income taxes. Plus, there is no Social Security tax when you hire your child who is 17 or younger and you can deduct the salary as a business expense. This break is available, however, only if you operate as a sole proprietor or as a partnership in which you and your spouse are the only partners. If your business runs as a corporation, then it, not you, are considered the employer and the corporation is not relieved of the tax liabilities.

Make the money go even further. Have your child contribute to a Roth IRA, says Carter. Not only have you gotten a nice tax deduction from the salary and trained your youngster to save, you’ve also help establish a nest egg for his or her future.

Dana Dratch is a freelance writer based in Georgia.

The information contained in this article is of a general nature. It should not be construed as legal advice nor should it be acted upon in your specific situation without further details and/or professional assistance.

Lanzarote was first discovered by an Italian adventurer in the 13^th century but was conquered for the Spanish crown in the early 1400´s by a French nobleman. Tourists first started to visit in serious numbers during the 1970´s – and at that time Lanzarote was a new and exciting destination. During the 80´s visitor numbers peaked at just over 2 million tourists a year. But have since fallen back to around 1.4 million arrivals annually. Thanks largely to the fact that many newer destinations have since entered the holiday market.

Certainly the island is an ideal location for an autumn break, as the weather here is fantastic at that time of the year. With visitors able to enjoy temperatures that still climb in to the 30´s and little in the way of rainfall.

Lanzarote is especially popular with the British market. Not least as cheap Lanzarote flights are available from most airports across the UK these days. With plenty of budget airlines such as Ryanair flying to the island regularly. During the autumn months the cost of Lanzarote hotels and accommodation tumbles too – making this a cost effective time of year to visit.

Which is the best resort? There are three to choose from all with their own individual charms and identity. Puerto del Carmen is the largest of this triumvirate and is also very close to the airport. Making it an ideal choice for those who dont want to spend time sitting on a transfer bus. Puerto del Carmen also has some lovely beaches and offers lively nightlife. Playa Blanca in the south and Costa Teguise in the north are both quieter. And therefore better suited to couples and families looking for a relaxing break.

There´s also plenty to do on Lanzarote if you don’t like just lazing in the sun. The island caters to all sorts of sporting activities and hobbies, encompassing everything from walking and cycling through to deep sea diving and fishing. And also has a strong cultural offering thanks to the many projects initiated here by César Manrique, a well known local artist. Whose work is enshrined at the César Manrique Foundation in Tahiche.

In many cases the quality of medicine available overseas is equal to the top hospitals in the U. S. Patients are showing up at places like the Apollo Hospital in Hyderabad, India, part of a 36-hospital chain founded by a cardiologist from Massachusetts General. A heart valve replacement may cost $50,000 to $100,000 in the U. S. , and only $12,000 in India, including travel costs.

Escorts Heart Institute and Research Center, in Delhi, India, is another popular medical tourist destination. It was founded by Dr. Naresh Trehan, an authority on robotic cardiac surgery formerly based at New York University.

Blue Cross Blue Shield has just announced that they will pay for treatment at Bumrungrad International Hospital, in Bangkok, Thailand for individuals from South Carolina. Over 80,000 Americans received treatment there last year. The hospital boasts that over 200 of its doctors are board-certified in the U. S, and will perform a knee replacement operation for 20 percent of what it would cost in the U. S.

Who Does This?

Dodie Gilmore is a 60 year-old rodeo barrel-racing champ from Oklahoma. She runs a 180 acre ranch, but could no longer ride a horse because she needed a hip replacement. Her health insurance plan had an exclusion that wouldn’t cover her operation, and she really didn’t feel like paying the $35,000 it would cost her. Instead she and her partner flew to India where she had the surgery at the Max Institute of Orthopedics and Joint Replacement.

Her physician was Dr. S. K. S. Marya, who averages one American hip-replacement patient every week. Dodie’s total coast, including travel, was only $11,000. She even managed to take in a tour of the Taj Mahal.

Forty to Sixty percent of those surveyed say they would consider surgery abroad if it could save them $5,000 or more. Going out of the U. S. (perhaps even just to Mexico), could be a worthwhile strategy if you have an exclusionary waiver on your policy, if you’ll be having elective surgery not covered by your health insurance policy, or if you have a high deductible plan.

What is the Risk?

According to the Institute of Medicine, over 100,000 accidental deaths occur in hospitals every year. And that’s here in the U. S. Hospitals are a dangerous place to be, and you want to spend as little of your life in one as possible. So there are risks everywhere, and probably greater risks outside the U. S.

But the magic of the free-market does give you some protection. There is a lot of money flowing to countries and international hospitals that practice high-quality medicine. If a hospital does not provide quality service, you can bet its customers will go elsewhere, particularly if they are choosing among anywhere in the world.

The influx of foreign patients (and money) is enticing more western-trained doctors to return home, so the choices are actually increasing, and the quality and prices continue to improve. I believe that if you use care in choosing your provider and structuring your treatment, the risks are no greater than having surgery here in the U. S.

How to Research Your Options

Keep in mind that most health insurance plans still will not cover for treatment outside the U. S. , particularly if you are traveling specifically to receive medical care. So check with your insurer if the cost of the treatment is going to exceed your deductible.

The Joint Commission on Accreditation of Healthcare Organizations certifies hospitals here in the U. S. Their international division, Joint Commission International, certifies hospitals throughout the rest of the world. Make sure the facility that you are considering has been certified by them.

Then check out your doctor. Confirm that he or she is English speaking, and was trained in the U. S. , U. K. , Australia, or Germany.

Finally, consider hiring a consultant to help you choose the best hospital and surgeon for your needs. A good service will not only set up the treatment, but can also arrange all travel plans, meet you at the airport, and act as your liaison while you are being treated.

If you spend money from your Health Savings Account to pay for international medical care, the amount you withdraw is tax-free. Health Savings Account regulations also allow you to cover the cost of your travel if the reason you are traveling to get medical care is not “for purely personal reasons. “

When choosing how to manage your health, you should carefully consider all your options. International travel is a great option for people with Health Savings Accounts. fast cash

Formerly known as Lagos International Airport; Murtala Muhammed International Airport operates almost all African and major international airlines to and from the entire world. New and old contracts with international airline services are being taken care of; old contracts are being revived whereas new contracts are being signed. As Murtala Muhammed International Airport is amongst the best airports in the world; many countries have been showing interest in receiving landing rights on the airport and cheap flights to Lagos are being provided to the travelers.

The airport comprises two main terminals which are situated almost 1km apart, an international terminal and a domestic terminal. Murtala Muhammed Airport Terminal 2 started constructing in 2007 and was built to replace the old one. The older terminal was destroyed due to fire breakage in 2000. Murtala Muhammed Airport Terminal 2 (MMA2) is composed of four levels and has a capacity of 5 million passengers every year. Design of this terminal was inspired by that of Schiphol Airport of Amsterdam.

The airport certainly is one of the most impressive and captivating airports in the world. It has a luxury hotel that features a casino, swimming pool, a conference hall and a direct passage to the terminal building. During its restoration, it was cleaned and featured with departure halls, restaurants, entertainment areas and lounges. It now has electronic traveler belts and sex air brigades and has room for six more. More air bridges will be constructed in future and the main building grips 31 check-in counters and a number of electronic display screens. With these screens, receiving information concerning arrivals and departures is easy. There are VIP lounges and economy class which are comfortable and can accommodate up to 1000 passengers. The airport has 5 storey car parking that can house 800 cars and cars can be hired as well.

The airport is equipped with full security arrangements recognized by Federal Aviation Administration (FAA), USA. The teams that handle the airport’s efficient IT system are well trained in the job. The signing of memorandum with federal airports authority of Nigeria has brought in many domestic flights. Through the memorandum, the airport also receives personnel, services operations and fire fighting equipment for safety of passengers.

Getting a vacation package deal will give you lots of savings as compared to paying for it individually. It will also make your life less complicated because you will only track one confirmation number rather than several different ones.

Itâ??s easy to find the best holiday travel deals online through the ever reliable internet search engines. When you come across these sites, take note of the web addresses and the packages that they offer. Do not forget to get the prices for each package so you can compare them better.

What to Look Out for in Holiday Travel Deals Online

You can get great savings when you find the best holiday travel deals online. However, be sure to read all the pertinent information before paying. There may be some hidden charges that you would not want to be liable for.

It is also important to check cancellation policies as well as pointers in rescheduling a trip. Be aware too that there are travel deals that do not give any refunds. For example, say a family emergency occurs and you canâ??t make your trip, some providers will not issue a refund. For your peace of mind, check if any such restrictions apply.

In some cases, no refunds are given even if the customer showed up but was late for the flight. This may cause trouble or a misunderstanding in the future so better be clear with this from the very start.

It would also be wise to pay close attention to the time and process of getting to your destination. It may sound like a very good travel package money-wise but ask yourself, is the savings worth your time to have several connecting flights and layovers before you get to your holiday destination? Itâ??s of course better to to use direct flights to get to your destination.

Some online holiday travel deals allow you to take advantage of their special offers and promotions when you sign up. This can be helpful because they can easily give you updates without you visiting their site for any inquiries in their rates.

Be flexible with your travel dates because you can save a lot by leaving a day earlier, or on those days that have really low rates. You can also leave in the evening than in the afternoon. Be prepared for a more expensive offer if you have specific travel arrangements.

It would really be a good thing to find the best holiday travel deal online. This will not just help you save money, time, and effort but finding one will also give you more reasons to relax knowing that good travel arrangements are perfectly in place. cash loans

There are a variety of deals to be found in travel classifieds that can turn what would ordinarily be out of your reach into a dream come true. However, you will most likely have to scour the classifieds in order to find what you need and if you limit yourself to print ads, it could be a while before your destination comes up. Online classifieds are by far the best way to scoop a last minute bargain.

Searching online gives you a far broader search range. You will be able to look at thousands of deals and since they are online, it´s usually fairly simple to sort through them using keywords to find just the deals and special offers that you are looking for. This makes online travel classifieds far more useful from a user´s point of view.

One of the things to watch for, though, is travel classifieds that only offer deals to certain geographical regions. Unfortunately, there are a lot of these and they can be frustrating. You think you´ve found a deal, only to discover that it´s only for departures from the US or only Japanese citizens are eligible. It can really make your travel plans difficult.

To avoid this common problem, try looking at UK sites for your travel classifieds. There you´ll find only deals and special offers that relate to your area and this will save you a lot of time when planning your trip.

What kinds of travel deals are available in travel classifieds? Just about anything you can think of. There are plenty of different deals and packages. While browsing you´ll more than likely find complete packages available at discounted prices. These often include tickets and hotel, or even the flight from wherever you are

Avoiding Scams

Travel classifieds are available all over the place, but you don´t want to run into any scams, so there are a few tricks to ensuring that the travel information given is correct and not a way to steal your money or information.

First of all, make sure that there is legitimate contact information in the advert. If it simply asks you to write an anonymous email address, look elsewhere. There should be either a real phone number or a website address.

Look at sites that make people pay to place a travel classified. Chances are most scammers are going to be on the free sites, so paid ones are safer . . . though you can still run into scams there, as well.

Never give out financial information via email or messaging and only pay for your travel package via a secure shopping portal, like PayPal, that allows you to lodge complaints if there are issues later.

Not all classifieds are placed by companies, so you might come across one that offers cheap cruise tickets that a broken up couple will no longer be using on their honeymoon, etc. These are usually very good deals since the person just wants to get back a little of their money and is desperate to sell for any low price.

Don´t be blinded by a great deal. If you suspect something is fishy, such as the tickets may not be real, then look elsewhere. It isnâ??t worth losing your money to a scammer.

The advantage to purchasing package deals online through travel classifieds is that you can do all your research from your own home. You can even do so in the middle of the night, if you so choose!

It´s a good idea to follow your instincts and check out the deals you find within the online classifieds to make sure they are real and legitimate. However, this can be a really great method of getting a fantastic travel offer and saving money if you are willing to do a little searching!

A travel card is going to be a little different than an airline card. What makes them so different? An airline card will basically focus on that particular airline and you’re only going to see savings while flying. A travel card will not only let you save on airline travel but you’ll also be able to save on hotels, rental cars, etc. If you find yourself buying a lot of these services, you may want to consider getting a travel card instead of an airline card.

How do I find the best card on the market?

Finding the best card on the market isn’t hard at all. Instead, you need to take time to do your research to find what kind of travel card will benefit you when you fly across the globe. Instead of using your debit card of simply cash, why not get rewarded? A travel card is going to be able to give you back rewards like free airline tickets, rebates on airline, hotel and rental card services and so much more.

When you’re looking for the perfect card, here are some things that you want to look out for when doing your search.

Find as many companies as possible: As I already mentioned, you’re going to want to find a card that caters to not only airline discounts but discounts on rental cars, hotels and more. The more discounts you get on the other services, the more you’re going to get back on your vacations. When it comes to an airline card like I said above, you’re not going to get that much back in the hotel and rental car department.

Look at the rates: Every card is going to be different when it comes to rates. You’ll want to get the best rate possible. Usually, the best rate you can find on the market is about 5%. If you can find anything higher than that, make sure it’s not an introductory rate. An intro rate only lasts for a certain period of time. This time is usually no longer than 12 months.

Are there restrictions? Never get a card that has restrictions or blackout dates. You’re going to find that this is going to be a big pain in the butt in the future. Instead, let’s concentrate on getting a card that has no expiration dates or restrictions. This is going to make it a lot easier for you to cash in your rewards when you earn enough points.

With so many travel credit cards on the market, it’s hard to choose one that fits your needs. Do your research and apply for one that fits your needs. Don’t just apply for the first one you see. Once you start using it, you’ll be amazed at how much you can save with travel!

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For travelers on a budget, they may take multiple day trips or spend a weekend at a shore. However, you can see exotic places such as Mexico and the Caribbean islands for the same price or even cheaper than local trips. There are 4 tips that you help you save money on your next Mexico or Caribbean vacation.

Buy Inclusive Packages

Most of these inclusive vacation packages are cheaper than buying air and hotel separately. When you buy inclusive vacation packages, it usually includes airfare, hotel, food, and sometime alcohol beverages. So, the only money you would have to bring is for souvenirs.

Fly With Cheaper Airlines

There are many budget airlines that travel all around Mexico and the Caribbean such as ATA, JetBlue , USA 3000, Spirit Airlines, etc. Sometimes, you can save money by getting a direct flight with a budget airline than using popular airlines with multiple layovers.

Travel During Off Season

If you are flexible with your vacation dates, you can save money and avoid the crowds by traveling during off seasons. Instead of traveling during peak times like June, July, and August, you can find deals during the late winter and early spring months. (Plus, the islands are not too hot during these times. ) However if you prefer to vacation in the summer months, there are last minute deals for Mexican and Caribbean vacation packages or cruises, which can save you even more money.

Visit CheapCaribbean. com

By going to CheapCaribbean. com, you can find the latest online deals for Mexican and Caribbean vacations. Instead of spending hours looking vacation deals, CheapCaribbean. com finds the best Mexican and Caribbean deals and passes the savings along to you. In addition to the already discounted vacations at CheapCaribbean. com, you can save more money with cheapcaribbean codes for Cheapcaribbean by visiting the link below.

http://www. onlinestorecoupon. com/ShopbyStore/CheapCaribbean. htm

CheapCaribbean. com is a unique online travel resource that specializes in finding the best Mexican and Caribbean travel deals. Make sure that you save money by activating cheapcaribbean codes for Cheapcaribbean.