June 16, 2001

Welcome to 0nly4Homebuyers Issue 33.
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In This Issue:
Tips for Smarter Selling
Your Best Tax Strategy - Start a Side Business!
25 Tips for an Organized Move

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Tips for Smarter Selling
by Cindy Snyder

Thinking of selling your home? Here are some tips to make it a
success.

1. Hire the Best. Do some research. It pays to be represented
by the best possible agent/firm. If you want to get top dollar,
screen for a Top Producer in your area. Your Agent should be
someone who has been in business in your area for several
years and has a good reputation. Don't be afraid to ask about
past sales and the average time one of their listings stays
on the market.

2. Dont Overimprove. Yes, you want to make sure the home
is in good shape. Yet, most homes will only need basic,
inexpensive repairs or improvements. Invest in only what will
get you the most return. Fresh paint and some inexpensive
landscaping will give your home curb appeal. Other improve-
ments, such as a new roof for example, may be negotiated
with the buyer. Studies show that updating kitchens and baths
give you the most bang for your buck.

3. Know your Competition. Again, do the research. You
need to know what other homes similar to yours, in your
general area are selling for. Ask your Agent to run a list
of comparable sales in your neighborhood and go from
there.

4. Don't Overprice. Make sure your home is priced
appropriately. Work with your Agent in order to list
your home at the right price. It is okay to add a little
extra in order to have some room for negotiation,
however, you don't want to be so far out of the range
that you won't get any offers.

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Your Best Tax Strategy - Start a Side-Business

I'm busy enough! I don't have time to start a business!

What good would it do me anyway?

Well, having your own business is one of the best ways to save money on
taxes and considering that many of you just finished paying Uncle Sam
all your wages from January to May 2000, I thought you might be
interested in this topic.

Consider this example.

If you work for someone else (as in a JOB), your finances flow somewhat
like this:
1. Earn the money
2. Pay Taxes
3. Spend the money


When you have your own business or corporation, you:
1. Earn the money
2. Spend the money
3. Pay Taxes on what's left

Do you see the difference here? I'm going to recommend a book for you
to read if you want to understand this process better. It is called
"Rich Dad Poor Dad" by Robert Kiyosaki. It is a great book and I highly
recommend it. Now, back to our article.

When starting a business, The IRS requires only that you keep good
records, conduct your affairs in a business-like manner and show that
you are trying to make a profit. There are also some new tax laws that
are even more in favor of those "home offices" than in previous years.

Old Tax Law: If your home office is your principal place of
business, then you could deduct home office expenses.

New Tax Law: If you have a space at home that you use "regularly
and exclusively for administrative or management activities" in your
business, you may now qualify for a home office deduction.

Previously, if you worked outside of your home, you weren't allowed to
deduct your home office because it isn't the "primary" place of
business. Now you can. For more information, see the Internal Revenue
Service publication #587 on the IRS Web site, http://www.irs.treas.gov

There are a lot of deductions associated with home offices. Some
things that might be deductible include a percentage of your mortgage
interest, property taxes, rent, utilities, insurance, garbage
collection, second phone line, cleaning fees, magazines/newspapers,
office supplies and equipment.

If your home is the principal place of business, you are allowed to
deduct the mileage for all your business trips. You can count the
mileage from your home to the place of business (i.e. post office,
bank, client site) and the return trip. The IRS requires that you keep
good records of your driving. Keeping a little pocket calendar in your
car or handbag is an easy way to track mileage on a daily basis. At
32.5-cents a mile, every 307 miles of driving will earn you a $100
deduction. This can add up very quickly over the course of a year. I
know it does for me.

If you have children under 18, hire them to work in your business. You
must issue them a W-2 and all the money you pay them is a business
deduction for you. Your child must pay taxes on the money they earn but
there is no tax on the first $4,300 of income earned from working. Your
child can even deposit up to $2,000 into an IRA account for even bigger
savings. There's also no Social Security tax to pay when you hire your
child under 18. Please remember that your child must do real work and
you must keep good records. I know people who send their children to
private schools on tax-free income. They pay their child to work in
their business and the child uses that income to pay tuition.

Are you starting to see some of the possibilities here?

Any purchases you make in association with your business are
deductible. If your business is enjoyable and related to your
interests, you might have made some of these purchases anyway and now
they are deductible.

If you are going to have a business for tax reasons, your intent should
be to make a profit at some point. The IRS knows that there are
significant costs in starting a business and that it might not be
profitable for a few years. A general rule is to show a profit within
two to four years. The longer you go without making a profit, the more
likely the IRS might consider your business a hobby and disallow the
deductions you are claiming unless you can show a business plan with a
definite plan to be profitable and show changes when needed to increase
your chances for profitability.

So once again, consider a side-business. It could save you hundreds of
tax dollars every year.

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25 Tips and Tricks for an Organized Move
by Maria Gracia

Worried because you're moving soon? This really doesn't have to
be a stressful, chaotic time. Here are some tips to help you achieve
a successful, organized move.

1.USE A MOVING CHECKLIST. Make yourself a moving checklist
outlining everything that needs to be done before, and after, your move.
For assistance, you’ll find a detailed moving checklist on Page 84 of my
book, Finally Organized, Finally Free--along with tons of tips and ideas
to ensure your new home is organized right from the start!

2.LEAVE IT BEHIND. Avoid moving anything you don't really need.
It is expensive, time-consuming, and physically unnecessary to move
things you won't be using. If you don't use it now, you most likely
won't use it later.

3.GET RID OF CLUTTER. Dispose of broken tools, old toys,
old clothing and other items that you no longer need, before you
move. Give usable items to charity or hold a garage sale.

4.DON’T SKIMP ON YOUR MOVING SERVICE. Choose an
experienced moving firm with an established reputation for good
service and reliability. Choosing someone that is unreliable or
inexperienced will waste more time and money than you can imagine.

5.ENLIST ANY HELP YOU CAN GET. You will get a lot more
done, with some family members and friends helping you pack and/or
unpack. If your children are old enough, they should be helping too.

6.BOX IT. Get boxes in assorted sizes. Be sure they’re clean, in
good condition and have covers so they can be closed and sealed
with tape. Start collecting them from your local merchants, or purchase
them from your moving company. Liquor boxes are excellent. They are
sturdy and contain dividers making them ideal for packing glasses,
goblets,
vases, etc.--but make sure these boxes have lids. By the way, an easy
way
to store boxes so they do not take up storage space is to open both ends
and flatten them out. Cartons can be resealed with tape as you use them.

7.USE THE A-B-C SYSTEM. Everything you pack does not have to
be unpacked the first day in your new home. If it contains essential
items,
mark it PRIORITY A. If the contents are important, but not crucial, mark
the box PRIORITY B. If thebox contains out of season items, holiday
items and other things you won’t need right away, mark the box
PRIORITY C. Then, unpack in A, B, C order.

8.WRAP IT. You will need plenty of wrapping paper and heavy-duty
tape. Anything wrapped in newsprint will most likely be soiled from the
ink and will require cleaning after unpacking. Movers use unprinted
newsprint. For items you prefer to keep clean, you can purchase this
packing paper from your mover. Kraft paper, tissue paper and
shock-resistant corrugated paper make excellent wrapping materials
and may be purchased at most major department stores, craft stores
or your mover. These papers also make excellent cushioning and lining
material.

9.MARK IT. Felt pens are ideal for marking boxes with information
such as its contents, destination room, fragile or this side up.

10.LABEL IT. As you’re packing, place removable, colored, circle
stickers on your boxes to easily distinguish kitchen items, from bedroom
items, from bathroom items, etc. Use a different color for each room.
If necessary, make a master list so you’ll know what is in each box. If
you can go to your new home ahead of time, you may wish to stick a
corresponding colored sticker on the door, or door frame, of the room
that the box will be delivered to.

11.LIGHTEN UP. Cartons can be handled easier if they do not
exceed 50 lbs.,fully packed. Keep this in mind when you’re packing.

12.ROOM BY ROOM. Pack on a room-by-room basis, keeping
the contents of each room in separate boxes. This will eliminate
confusion and save time when you're unpacking.

13.PACK EARLY. Even if you only pack two boxes a day, in
thirty days you will have packed sixty boxes. Start in areas where
the goods are not in frequent use such as the cellar, attic, garage,
etc.

14.ORDER ADDRESS LABELS. Order address labels before
you move into your new home. They will be great to have on hand
when you need to indicate a change of address on anything. Leave a
few behind with the people who move into your old home or apartment
so they can forward anything that gets delivered to them for you. Give
them a few bucks to cover any postage costs.

15.MAKE A SURVIVAL KIT. Make a survival kit for your first
night in your new home. This should include items that will get you
through the night if it’s too late to unpack or the movers didn’t show
up. Helpful items to include might be: non-perishable food, can
opener, paper plates, plastic utensils, bottled water, a flashlight, a
few towels, sheets, toiletries, a blanket, toilet paper,
pen/paper, a few small games or magazines and a change of
clothes for everyone.

16.HAVE SOMEONE WATCH THE KIDS. If you have
children, especially young children, it might be a good idea to
have someone babysit them while you are doing anything that
involves your move, such as packing, unpacking, etc. Your kids
won’t be interrupting your progress and you’ll accomplish more.

17.USE THE ONE ROOM RULE. Set up ONE room in your
new home as quickly as possible. This way, you’ll have a quiet
retreat, free of boxes. You and your family will then have a place
to go when you need a break from all of the unpacking activities.

18.MAKE IT PET SAFE. If you have pets, be sure you have
a plan for when the movers arrive. Perhaps keep your cats in
the bathroom with the litter box, or put your dogs in a fenced
in yard. Also, take care to do what you can so your pets feel
comfortable in your new home. Bring their favorite toys, give
them attention, and don’t leave them alone for long periods
of time for the first few days.

19.MAKE THE FIRST NIGHT SPECIAL. Make the first
night in your new home as special as possible. It can be take-out
Chinese food, or pizza, but you may sweeten the evening with
flowers, candles and music. It will really make a big difference
and will help you to unwind and de-stress.

20.DEVISE A PLAN. Before you begin unpacking randomly,
sit down with your family. Discuss a plan, including where things
will go, who is responsible for what, etc. It will help things run
smoothly.

21.HAVE A TOOL KIT ON HAND. One of the most important
things to have on hand when you’re setting up your new home is
a basic toolbox that includes basic tools and hardware, such as a
hammer, screwdrivers, nails, hooks, etc.

22.FUNCTION BEFORE FORM. It is best to first arrange
your furniture, and then unpack accessories and personal items.

23.GET READY FOR BED. As soon as the bedroom furniture
is delivered, set it up and put the sheets on the bed. You’ll be
grateful that everything is ready for sleeping later on tonight
when you’re really tired.

24.LET EVERYONE KNOW. Inform everyone that you’ve
moved with simple postcards, or email for those family members
who can receive it.

25.GET ACQUAINTED. Once you arrive at your new home,
schedule some get acquainted days on your calendar. This is a
great time to figure out where the supermarket, bank, post office,
etc. are and will give you a chance to get familiar with your area.
If there is a tourist bureau in town, stop by and see
what events and opportunities your town will be offering.

by Maria Gracia - Get Organized Now!
Want to get organized? Get your FREE Get
Organized Now! Idea-Pak, filled with tips and ideas
to help you organize your home, your office and
your life, at the Get Organized Now!
Web site http://www.getorganizednow.com/
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Til next time. Have a great month.
Cindy

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