GRANNYS REMEDIES AND WISDOM

Hints, Tips, Remedies and FREE Affiliate Articles!

2006-01-28

Tsunami Gold,,,..Niche Visitor Generation

TSUNAMI GOLD.... A NICHE VISITOR GENERATION SYSTEM The time has come for a new evolution in visitor generation system on the Net. Search Engines have pretty well out priced their use for home, small and medium sized businesses. Visitor, AutoSurf and Startpage exchanges have become saturated with scams, ponzi's and get rich quick schemes, that scare of most of main stream Netrepreneurs. Add to that many programs you might join end up with a ton of spam hitting your inbox. SO, what do we need for a "next generation" visitor generator? We need a 'closed' community environment. - in-house member2member email access - reasonable Pay per Click Search Capabilities - Controlled cost and distribution of Newsletter Ads with guaranteed readers - Power Ad Boxes to treat advertiser's AND webmasters with a fair deal - 1:1 Surf options that are free of scams, ponzi's and get rich quick schemes - A community that is useful and acceptable to ALL walks of life - a system that creates and holds long term membership retention - A system that will generate as many new members with offline promotions as online promotions Welcome to the NEXT GENERATION in delivering 'REALpeopleVISITORS' to your website. The unique thing about TsunamiGOLD, it will be a 'better deal' as we continue to grow. Obviously, those that get in sooner will be much better off the longer they are involved in TsunamiGOLD.com Fact is, our target market is HUGE!  A lot of the same people that are downloading MOZILLA/FIREFOX are the same people that will gravitate to TsunamiGOLD. That market has seen FIVE MILLION+ download the latest version of MOZILLA/FIREFOX in the first 2 weeks in came online. How do we plan to reach all of these people and MORE? TsunamiGOLD power ad boxes are the best source of advertising for small and medium size businesses as well as the netreprenuer who wants their online business to skyrocket to success. My name is Toni Shrader...I hope you find this small bit of information useful. Click here to visit my site:  Be sure to submit your ad FREE for a NO OBLIGATION EXPERIENCE... All my best to you in your online endeavors.

2006-01-24

Bird Flu The Untold Story

UPDATE!!

Bird Flu is back in the news! 1-24-06 on the Oprah Winfrey show, the discussion was very disturbing.  According to Dr. Michael Osterholm, an infectious disease expert from the University of Minnesota,  the question is not  IF but WHEN this  flu will strike and cause the next Pandemic.

• Stock your cabinets with enough canned goods to last four to five weeks.
• Stockpile your prescription drugs, if possible.
• Speak with city officials to make sure your community has enough chlorine on hand to purify the water, in case shipments stop coming. Many cities only keep enough chlorine on hand to last five to seven days.

2006-01-22

LEGALITIES & TAX ADVANTAGES IN A HOME BUSINESS

Every year, several thousand people develop an interest in "going
into business." Many of these people have an idea, a product or a
service they hope to promote into an income producing business
which they can operate from their homes.

If you are one of these people, here are some practical thoughts
to consider before hanging out the "Open for Business" sign.

In areas zoned "Residential Only," your proposed business could
be illegal. In many areas, zoning restrictions rule out home
businesses involving the coming and going of many customers,
clients or employees. Many businesses that sell or even store
anything for sale on the premises also fall into this category.

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Be sure to check with your local zoning office to see how the
ordinances in your particular area may affect your business
plans. You may need a special permit to operate your business
from your home; and you may find that making small changes in
your plan will put you into the position of meeting zoning
standards.

Many communities grant home occupation permits for businesses
involve typing, sewing, and teaching, but turn thumbs down on
requests from photographers, interior decorators and home
improvement businesses to be run from the home. And often, even
if you are permitted to use your home for a given business, there
will be restrictions that you may need to take into
consideration. By all means, work with your zoning people, and
save yourself time, trouble and dollars.

One of the requirements imposed might be off street parking for
your customers or patrons. And, signs are generally forbidden in
residential districts. If you teach, there is almost always a
limit on the number of students you may have at any one time.

Obtaining zoning approval for your business, then, could be as
simple as filling out an application, or it could involve a
public hearing. The important points the zoning officials will
consider will center around how your business will affect the
neighborhood. Will it increase the traffic noticeably on your
street? Will there be a substantial increase in noise? And how
will your neighbors feel about this business alongside their
homes?

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To repeat, check into the zoning restrictions, and then check
again to determine if you will need a city license. If you're
selling something, you may need a vendor's license, and be
required to collect sales taxes on your transactions. The sale
tax requirement would result in the need for careful record
keeping.

Licensing can be an involved process, and depending upon the type
of business, it could even involve the inspection of your home to
determine if it meets with local health and building and fire
codes. Should this be the case, you will need to bring your
facilities up to the local standards. Usually this will involve
some simple repairs or adjustments that you can either do
personally, or hire out to a handyman at a nominal cost.

Still more items to consider: Will your homeowner's insurance
cover the property and liability in your new business? This must
definitely be resolved, so be sure to talk it over with your
insurance agent.

Tax deductions, which were once one of the beauties of engaging
in a home business, are not what they once were. To be eligible
for business related deductions today, you must use that part of
your home claimed EXCLUSIVELY AND REGULARLY as either the
principal location of your business, or place reserved to meet
patients, clients or customers.

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An interesting case in point: if you use your den or a 
spare 

bedroom as the principal place of business, working there from
8:00 to 5:00 every day, but permit your children to watch TV in
that room during evening hours, the IRS dictates that you cannot
claim a deduction for that room as your office or place of
business.

There are, however, a couple of exceptions to the "exclusive use"
rule. One is the storage on inventory in your home, where your
home is the location of your trade or business, and your trade or
business is the selling of products at retail or wholesale.
According to the IRS, such storage space must be used on a
REGULAR Basis, and be separately identifiable space.

Another exception applies to daycare services that are provided
for children, the elderly, or physically or mentally handicapped.
This exception applies only if the owner of the facility complies
with the state laws for licensing.

To be eligible for business deductions, your business must be an
activity undertaken with the intent of making profit. It's
presumed you meet this requirement if your business makes a
profit in any two years of a five-year period.

Once you are this far along, you can deduct business expenses
such as supplies, subscriptions to professional journals, and an
allowance for the business use of your car or truck. You can also
claim deductions for home related business expenses such as
utilities, and in some cases, even a new paint job for your home.

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The IRS is going to treat the part of your home you use for
business as though it were a separate piece of property. This
means that you'll have to keep good records and take care not to
mix business and personal matters. No specific method of record
keeping is required, but your records must clearly justify and
deductions you claim.

You can begin by calculating what percentage of the house is used
for business, Either by number of rooms or by area in square
footage. Thus, if you use one of the five rooms for your
business, the business portion is 20 percent. If you run your
business out of a room that's 10 by 12 feet, and the total area
of your home is 1,200 square feet, the business space factor is
10 percent.

An extra computation is required if your business is a home day
care center. This is one of the exempted activities in which the
exclusive use rule doesn't apply. Check with your tax preparer
and the IRS for an exact determination.

If you're a renter, you can deduct the part of your rent which is
attributable to the business share of your house or apartment.
Homeowners can take a deduction based on the depreciation of the
business portion of their house.

There is a limit to the amount you can deduct. This is the amount
equal to the gross income generated by the business, minus those
home expenses you could deduct even if you weren't operating a
business from your home. As an example, real estate taxes and
mortgage interest are deductible regardless of any business
activity in your home, so you must subtract from your business
gross income the percentage that's allocable to the business
portion of your home. You thus arrive at the maximum amount for
home-related business deductions.

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If you are self-employed, you claim your business deductions on
SCHEDULE C, PROFIT(or LOSS) for BUSINESS OR PROFESSION. The IRS
emphasizes that claiming business-at-home deductions does not
automatically trigger an audit on your tax return. Even so, it is
always wise to keep meticulously within the proper guidelines,
and of course keep detailed records if you claim business related
expenses when you are working out of your home. You should
discuss this aspect of your operation with your tax preparer or a
person qualified in the field of small business tax requirements.

If your business earnings aren't subject to withholding tax, and
your estimated federal taxes are $100 or more, you'll probably be
filing a Declaration of Estimated Tax, Form 1040 ES. To complete
this form, you will have to estimate your income for the coming
year and also make a computation of the income tax and
self-employed tax you will owe.

The self-employment taxes pay for Social Security coverage.
If you have a salaried job covered by Social Security, the
self-employment tax applies only to that amount of your home
business income that, when added to your salary, reaches the
current ceiling. When you file your Form 1040-ES, which is due
April 15, you must make the first of four equal installment
payments on your estimated tax bill.

Another good way to trim taxes is by setting up a Keogh plan or
an Individual Retirement Account. With either of these, you can
shelter some of your home business income from taxes by investing
it for your retirement.

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2006-01-04

Emergency Preparedness Checklist

Emergency Preparedness Checklist

TORNADO*FLASHFLOODS*WINTERSTORM* HURRICANE*FIRE*HAZARDOUS
MATERIALS SPILL

The next time disaster strikes, you may not have much time
to act. Prepare now for a sudden emergency.

Learn how to protect yourself and cope with disaster by
planning ahead. This checklist will help you get started.

Discuss these ideas with your family, then prepare an emergency
plan. Post the plan where everyone will see it--on the
refrigerator or bulletin board.

For additional information about how to prepare for
hazards in your community, contact your local emergency
management or civil defense office and American Red Cross
chapter.

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Emergency Checklist

Call Your Emergency Management Office or American Red Cross
Chapter 

* Find out which disasters could occur in your area.

* Ask how to prepare for each disaster.

* Ask how you would be warned of an emergency.

* Learn your community's evacuation routes.

* Ask about special assistance for elderly or disabled
persons. 

Also...

* Ask your workplace about emergency plans.

* Learn about emergency plans for your children's school or
day care center.

Create an Emergency Plan

* Meet with household members. Discuss with children the
dangers of fire, severe weather, earthquakes and other
emergencies.

* Discuss how to respond to each disaster that could occur.

* Discuss what to do about power outages and personal
injuries.

* Draw a floor plan of your home. Mark two escape routes
from each room.

* Learn how to turn off the water, gas and electricity at
main switches.

* Post emergency telephone numbers near telephones.

* Teach children how and when to call 911, police and fire.

* Instruct household members to mm on the radio for
emergency information.

* Pick one out-of-state and one local friend or relative for
family members to call if separated by disaster (it is
often easier to call out-of-state than within the affected
area).

* Teach children how to make long distance telephone calls.

* Pick two meeting places.

1) A place near your home in case of a fire.

2) A place outside your neighborhood in case you cannot
return home after a disaster.

* Take a basic first aid and CPR class.

* Keep family records in a water and fire-proof container.

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