How To Make A Great Success Of A Blind Date

In many ways blind dating is no different than any other type of dating. The basic elements of dating still exist but you do need to exercise more caution in a blind date. Like any other date you want a blind date to go well so that you can ensure yourself a second date. However, while it is important to exercise caution in all types of dating it's even more important in blind dating. Another factor unique to blind dating is getting set up with a great date. While this may not always be in your hands there are some ways that you can take some initiative in this area.

insurance coverage

Making sense of car insurance can be daunting given the various different coverage options available. What does each one cover, when do you need to get it and when is just not worth the money you pay. Well they say knowledge is power and we'll be giving you some today. This article will talk about a few of the most popular car insurance coverage and (hopefully) help you decide whether you need them or not. When you compare auto insurance quotes online, it's important that you pick a company not just on the basis of the rates they give you, but also whether the amount of coverage they give you is worth the price.

leads for roofers

I know I need to consult with all kinds of legal experts before this article written. But if they said that we probably this anyway would have written. Why? leads for roofers, roofing contractors and the contractors that actually we are very proud trade and industry on our. We are working hard to credibility in an industry that has to struggle with problems, and if something is so far that it borders mainly from the age old trusted sources... in misleading, Well, have we just say. 

They must be for something in this life, which they say. Well, to start, it is not, we could have some dramatic conspiracy, have uncovered a committed or even lies, but we worried about the perception or the understanding that some of the different information in our media specifically read opinions or reviews for gravel. Enough of that and further to what is at stake here. It depends on the presentation of real roofing more specifically in this case reviews, reviews, gravel, which are obvious, and let not the potential consumer thinking something that is actually wrong.

Log Home Basics

As we start to research log homes, it quickly becomes apparent that there is much more variety than one would ever think. Not only do log homes come in all shapes and sizes, but the logs themselves come in as many variations as you can imagine. Once you decide on the look you want, you can start eliminating manufacturers that don't provide your system.

There are two categories of log homes: handcrafted and milled log homes. Initially, you may not realize what you are looking at, but there are some basic guidelines that will clarify the differences. A handcrafted log home is just that; the logs are peeled by hand, notched by hand, and in many cases, each log is scribed to fit exactly on top of another log. In many handcrafted homes, the logs are stacked alternately, so the large end of a log is stacked on top of the tapered end of the log beneath. A milled log home will feature logs that are uniform in shape, and the logs will be cut to fit together, such as with a tongue-and-groove or Swedish cope, so that they stack easily and evenly. There is a big price difference between a handcrafted and a milled log home. This is mostly because of the intense labor required to construct a handcrafted home, and because of the larger diameter logs that are normally used. The vast majority of homes built today are milled log homes.

If you see a log home with round logs and chinking, that is a first indication that this is could be a handcrafted log home. Chinking was historically a mortar-like material that filled the gaps between the logs. Modern science has created an acrylic compound that expands and contracts with the wood; it is applied as a wide white stripe. If a handcrafted log is not scribed, then chinking is a must because the logs leave gaps along their length. Some people do use chinking as a design feature even when it's not necessary, though for the most part milled log homes are not chinked.

The characteristic corner of your log home will speak volumes to the person who knows how to read it. The profile and joinery system of the log will usually be reflected on the ends. For instance, on a handcrafted log home you'll see the different diameters of the stacked logs. To stack them, these corners will be notched so that each log sits directly on the log below it (like a Lincoln Logs(TM) toy). A milled log that is saddle-notched will stack the same way (of course, every log will look exactly the same). Because saddle-notched logs are staggered, course to course, the log ends will be visible on the interior corners of the house as well as the exterior. This gives a very rustic look. A butt-and-pass corner gives you an end where there is a space between every other log. This is because one log butts up against the intersecting log, which runs past it. These logs are all laid on the same course, so that with the interior corners of your home, the logs will come to a squared edge.

On milled logs, there are many joinery systems to choose from. Today, the most popular joinery is called a "Swedish cope". This is where each log is scooped out to fit snugly on the curve of the log beneath. It gives a very smooth and natural look. Another joinery system is the tongue-and-groove, or double tongue-and-groove depending on the manufacturer. The tongues are cut into the top of the log and corresponding grooves at the bottom. These create a tight fit and stack easily. A more traditional, early American notch is called the dove-tail, which is a mortise and tenon notch usually cut into squared timbers. There are many other corner systems available, but these are the most commonly used.

The shape, or profile of your log is another feature which will help you decide what kind of package to purchase. Many people prefer a "D" log, which is round on the outside and flat on the inside. This gives you a horizontal wood-paneling look, and is easy to hang pictures on. Others prefer a round log, which is a little more rustic and presents many challenges - such as how to join the logs to the sheetrock. Squared timbers, which give a more Appalachian look to the home, tend to be tall and fairly narrow, and are often grooved for the application of chinking.

The average milled log home will use pine logs in 6" and 8" diameters. You can also find them in 10" and 12" diameters. Anything larger than 15" will probably roll you over to a handcrafted home. Cedar logs are an upgrade, and can be found in 6", 8" and occasionally 10" diameters. Some manufacturers more rarely use oak, cypress, fir, hemlock, larch, poplar, spruce, and walnut. These rarer woods will be a price upgrade. Because of the superior log care products on the market today that protect all the logs effectively, the wood species largely becomes a matter of personal taste. The best rule of thumb when choosing log species is to stay with a wood that is native to your area. The logs will adapt to the environment more comfortably.

Newcomers are continually amazed to discover that the logs are their own insulation. To compare a stick-frame wall to a log wall by using the "R-value" is not comparing "apples to apples". Logs have a lower "R-value" than insulated 2x4 walls. However, they work on the principal of thermal mass. Because of the cellular structure of logs, they tend to absorb the heat and hold it longer than traditional walls. The logs will actually absorb the heat from the interior of the house (or from the sun, if facing south), and when the temperature drops at night, the walls will generate that heat back into the house until the temperatures equalize. They take longer to warm up, and stay warm much longer. Conversely, they stay cooler in the summertime.

Some producers feature a half-log system, where the logs are attached outside-and-inside to 2x4 or 2x6 stick-frame walls. This adds the extra R-value of an insulated wall, along with the beauty of the log, and also makes it easier to install electrical wiring. Ultimately, these systems are a bit more expensive than full-log, because of the additional cost of the lumber. But they do give the added ability to vary the interior of your house, so that some interior walls could be sheetrock, stone, or tongue-and-groove. In any case, many modern manufacturers use the half-log system on their second floor, to compensate for the huge windows, which may displace so many logs that the wall's integrity could be compromised. Also, because the large windows settle at a different rate than logs, the stick-framed second floor equalizes the overall settling. With the best manufacturers, you won't be able to tell on the outside where the full logs end and the half logs begin.

Once you've chosen what kind of log you want, you will discover that manufacturers each specialize in their own unique fastening system. Almost all manufacturers use double-sided foam tape between log courses. Some companies use lag screws, threaded bolts, or spikes to add integrity to the walls; others use fancy spring-loaded through bolts that compress the logs. Once again, the choice becomes a personal preference.

It would save a lot of work for the buyer to get a "turnkey" price on the logs, the lumber, the windows and doors, and the roof - what is commonly known as a "weathered-in shell". However, this complete system only makes sense if you are local to the manufacturer; otherwise, you'll be spending thousands of dollars to ship ordinary lumber across the country. After all, there is no difference between a roof used on an ordinary house and a roof used on a log home. You choose the kind of roof you want, but it'll come from the same manufacturer. The same goes for the floors, the doors, the kitchen, and the heating system. Windows can be a little tricky; you'll have to find a manufacturer that is willing to make a extended window-sill (or jamb) to accommodate the thickness of the logs. Most major window companies are able to do this.

Remember that log homes are completely custom. No log home company will offer you a choice of kitchens or bathrooms like a development builder. You will have to shop for these yourself, and the possibilities are limitless. Your builder may make some decisions for you, but you will be better served to pick your own flooring, light fixtures, faucets and even door knobs. Most manufacturers do not want to have anything to do with the foundation; that is not their business. You can use any kind of foundation you want, but you'll need to contact a local contractor to do that job, or have your builder do so.

Almost all log home manufacturers have an in-house architect who will configure your plan to fit their own particular system. Unless you have a lot of money to burn, don't hire an outside architect to design your house, because the manufacturer will have to rework the plans anyway. If you want a quick start, the manufacturer will have a set of stock plans for you to choose from, and alter to fit your needs. Or you can design your home from scratch, and give them a rough set of drawings from which they will devise a set of building plans. This service is usually offered at no extra charge; there may be an up-front fee that is credited toward the final cost of the package.

Log homes are not maintenance-free - nor are they overwhelmingly laborious. Although the products on today's market do a fantastic job of protecting the logs from sun, rain and insects, they do need to be re-applied ever three to five years depending on the wall exposure. This "maintenance coat" is much easier to apply than the original coats of stain, and no, you don't have to strip off the old coat first. So it's not as bad as it sounds! However, you must inspect the logs at least once a year for excessive cracking (or checking) - especially when the check opens upward, creating a water trap. These need to be caulked on the exterior walls. Also, do everything in your power to direct rainwater away from the house; if you have an overflowing gutter, deal with it at once. A damp log attracts rot and insects.

Expect your milled log home to take anywhere from 4 to 8 months to construct, depending on your weather, the availability of the crew (are they sharing your job with others at the same time?) and your planning. The most important thing you have to plan for is protecting the logs and the lumber from the elements. Set aside a large space (preferably covered with gravel) exclusively for the logs; you don't want them sitting in the mud. Cover your gravel with a tarp, and bring extra tarps for the logs. The logs are going to get scattered as the crew picks through them, and they're going to get stepped on and tossed around. They're going to get rained on, and you'll be amazed how quickly the logs weather. You'll have to immediately remove the plastic wrapping when the logs are delivered, or they'll get covered with mildew. The tarps will do the job. If your windows get delivered with the log package, you'd be best served to rent an enclosed trailer to store them in (FRAGILE is the operative word).

But I'm getting ahead of myself. As you may have gathered, people who build log homes tend to be more hands-on than with other kinds of construction. Log home customers are usually very well informed by the time they break ground - and they need to be! Cost overruns are often caused by unforeseen difficulties, and since your house is a one-of-a-kind, you're in for quite a challenge. Luckily, the industry has matured quite a bit, and you are no longer completely on your own.

8 Signs Your Home is Out of Control - And What to Do About it

It happens without warning. One day you notice your home has turned into a collage of papers, junk, and stuff - everywhere. You're not alone. Today more than ever it seems that the flotsam and jetsam of living, like the waves of an ocean, continually beat at our doors, flooding our houses with all manner of stuff until our homes are bulging at the seams. A typical home is now cluttered and dirty to the point of exhaustion -- yours.

All this accumulation also makes going home, or being at home, fill us with a sense of dread because we're overwhelmed by the sheer volume of things surrounding us. Once islands in the stream, many homes are often now just as jumbled, crowded, dirty, and chaotic as the public places we try to escape from. Housekeeping and cleaning house is not the greatest of fun, but it is vital to our well-being.

Recently a study by the UCLA Center for Everyday Lives of Families found that families are overscheduled, child-dominated, and cluttered. The study touched on something that's become a common problem in most households today: too much stuff. And all that stuff, makes us feel out of control.

Could your home be out of control?

If you have a perfectly ordered home or just don't care about the state of your surroundings, then having an out of control home isn't a problem. But, if the thought of your home raises your blood pressure to an unhealthy level or spending time there would make you rather have your teeth drilled, then you do have a problem - and you may have a home that's out of control.

An out of control home is a source of frustration, embarrassment, and tension. So where do you start if this describes your home? The first step in learning how to cope with an out of control home is to recognize the signs. Only then can you address the problem.

The 8 Signs You Have an Out of Control Home (OOCH)

1. It's messy.

Anything that can be straightened up in five minutes or less does not qualify as messy. A truly messy house has been hit by more than its fair share of bombs: toy bombs, clothes bombs, paper bombs (magazines, mail, and other piles of paper), dirt bombs (general dirt and debris), pet bombs (hair, smell, food), collectible or hobby bombs, etc. And, the mess is everywhere: the kitchen, the bathroom, the living room, the bedroom.

2. It's disorganized.

No one can find anything, from the car keys to last year's tax returns. A disorganized home is one where too much time is spent looking for things, and where you have doubles or triples of everything because when you couldn't find what you were looking for, you went out and bought another to replace the one you couldn't find.

3. It stinks.

The smell can come from the puppy training on the new carpet, the moldy smell from the roof leak, the cat box that's never changed, or the trash that everyone forgets to take out.

4. It's dirty.

This is that garden-variety filth that makes you hope no one will ever come to visit. It's the ring in the toilet, the dust bunnies the size of Dallas, and the cobwebs hanging from the ceiling that wave gently in the breeze. The dirt is pervasive and ground in.

5. It doesn't work.

This is a home where the furniture is broken, the bed sags in the middle, things don't work like they should, and repairs that need to be made drag on for months or years. It's not truly functional and lots of things have "work-arounds," such as pliers to turn on the washing machine because the knob fell off.

6. It's anxiety-producing.

Does the thought of going home make you feel anxious? If you're happier at work or in places other than home, then chances are it's because your home is out of control. It makes you uptight because it's dirty, disorganized, or messy - or all three. And, when you're there, you can't relax and you often find excuses to go somewhere else to unwind, such as at the movies or driving in the country.

7. You avoid having visitors.

If you feel panicked when the doorbell rings then you're living in an out of control home. Guests should be a welcome sight in the house and you should feel confident enough to invite visitors in.

8. It's cluttered.

If every square inch of your home is covered with something, then you've got too much stuff. There's got to be some open space somewhere in your home because open space give us a "visual rest." Look at interior design magazines and you'll notice the homes pictured in them because there isn't stuff everywhere to distract you.

Most houses have out of control areas

Of course not all homes are out of control, but many homes suffer from one or more Out-Of-Control-Home (OOCH) symptoms, or they have an Out of Control Area (OOCA). These are areas such as the laundry room or garage that tends to get out of control, and most every home has one. But, regardless of whether your home is truly OOCH or OOCA, it doesn't have to stay that way. You can take steps to bring your house back to order and get it under control.

The 8 Steps to Get Your Home Back in Control

1. Declutter and straighten first.

Take a trash bag with you to each room, throwing away anything you no longer want or that doesn't work. Take another box with you from room to room for items you want to donate.

If you have paper bombs, clothes bombs, and toy bombs that have gone off in your house, get these under control. Handle the paper by throwing it away, recycling it, or filing it. Get the clothes picked up and put in the wash, folded or hung up. Next, corral the toys, throwing away what's broken. And practice saying "When in doubt, throw it out."

Next, don't forget to contain yourself. It's easy to work in the living room, pick a toy for your child and wander into that room and then start working there. This is important: Stay focused on the task and the room at hand or you won't get anything done.

2. Clean second.

Now that the mess is handled and everything is picked up, it's time to get down to serious cleaning. Thoroughly clean each room, including the kitchen and laundry room, and don't forget to sweep porches and walkways outside. Get kids to clean the baseboards, windowsills, and clear the cobwebs from the corners of ceilings. Go from one room to the next and don't leave until each room is completely cleaned.

Lastly, schedule some hired help and have your carpets and upholstery steam cleaned. Steam cleaning does not use soap, which can make carpets get dirtier faster and actually attract more dirt. This will also make your home smell better, too. Schedule this at least once every year. If your house still smells musty, air it out or consider having your heating and air conditioning vents cleaned.

3. Repair what's broken.

The house is decluttered, clean, and now it needs to work. Fix broken panes of glass, leaking faucets, or repaint water stains on the ceiling. Put your husband on the job while you're cleaning or decluttering.

4. Edit your stuff.

Collections and knick knacks everywhere is what's classified as clutter. Clutter is a problem because of the emotions associated with it. For instance, many people feel guilty about getting rid of things because certain items were gifts or were inherited.

But the first rule of clutter-busting is that you have to absolutely drop-dead love something in order to keep it. If you just can't part with something, then don't. Put all the items you can in a box and then put it into storage. Then once you've forgotten about all those guilty feelings, you can put the items in a garage sale, donate them, or just throw them away.

In short, if your house is overrun with family pictures on every inch of wall space, an explosion of sports memorabilia, or a porcelain pig collection that won't end, for example, pare them down and then find one central spot to display these items rather than spreading them all over the house where they can make you feel overrun.

5. Create visual space.

Clear as many items as possible off the floor, off the tops of dressers, countertops and nightstands so your home will have plenty of clear space. You know how a hotel room makes you immediately want to go flop on the bed? That's because it's clean and clear. Clearing away excess stuff will give your eyes -- and your mind -- a rest.

6. Get pets under control.

If possible, evaluate your pet's impact on your home. Do what you can to create a living situation where both you and your pets are happy, but not where one of you is at the expense of the other. Many homes are controlled by pets to the point that woodwork is scratched, the home is damaged, every surface is covered with hair, and there is an unpleasant odor in the home.

7. Organize your home.

Create areas for coming and going where keys, backpacks, purses, wallets, mail, and other needed items can be placed. This area should have a trashcan where you can sort mail, and a small hanging basket where bills that need immediate attention can be placed.

Then, work on organizing bill-paying, files, warranty booklets, and all the little areas of your home that get cluttered, such as medicine cabinets, home offices, desk areas, pantries, laundry rooms, garages, spice cabinets, and so on.

8. Keep at it and involve everyone.

This is probably the most important step for getting - and keeping - a home under control. A home that's under control is not something that happens once and then it's done, like taxes. Keeping your home in order is more like exercise or taking vitamins. You have to keep at it. Keeping a home in control is a process, not an event. I have to tell myself all the time don't put it down, put it away.

It also takes commitment on everyone's part. My pantry is an OOCA in my home mostly because an orderly pantry is important only to me. But, a family meeting was called so that everyone does their part at keeping the pantry orderly. It will also keep us from having five boxes of raisin bran or three bags of marshmallows.

Bringing your home into control is a wonderful way of bringing a sense of accomplishment and order back into your life. It will also save you money because you won't purchase multiple items because you can find what you're looking for. It will also help you create a home that is your refuge and where you enjoy spending your time. Lastly, it will make you proud to live there and have guests over. Now, let's get to work!

Home Equity Loans - There's Gold In That There House

To paraphrase an old familiar quote that goes "there's gold in them there hills, you could say, there's gold in that house. As Martha Stewart would say, "it's a good thing".

A home equity loan can be a very good thing if you formulate a plan and stick to it. Home equity loans are becoming much more common and most banking companies have specific re-financing plans available for today's consumer.

Read on and you will see that a home equity loan used for the proper purpose and managed correctly can indeed be a "good thing".

A Home Equity Loan - Just what is it?Types Of Home Equity Loans HEL or HELOC?

There are two types of home equity loans. A regular home equity loan and the home equity line of credit or HELOC. A regular home equity loan is a fixed sum borrowed at a fixed rate over a period of time. A HELOC allows the client to borrow various sums up to a fixed amount over a period of time. A line of credit works in a similar way as a credit card; you use it when you need it. Different States set their own laws on limits you can borrow against your house.

The Financial Plan - Making your home equity work for you

For a home equity loan to work best for you, it's a good idea to have a budget and a financial plan. Having a budget will help you decide how big a loan you need and a financial plan will be the map to accomplish your goals within that budget. Here are a few suggestions on ways to use a home equity loan.

1. Home Improvements

You may want to build up the equity in your house by making home improvements. The first and best place to visit is a home improvement warehouse store. These stores, especially the large ones have whole rooms set up and priced. Use caution however, husbands and wives have been known to have gone into these rooms for days and when they came out they were muttering "but I liked the blue room best."

2. Debt Consolidation

Pay off all the nagging little balances that seem to have accumulated on various store and gas cards in your wallet.

3. A holiday in the sun or snow!

It's a matter of interest, if you shop around; you may find a couple of percentage points on a home equity loan that can make a world of difference. Consider a holiday South of the border or North to Canada.

Mexican or Caribbean destinations are very attractive during the winter months but if skiing and winter activities is more to your liking then consider Vancouver, Canada. Whistler, British Columbia is one of the locations that will host the 2010 Winter Olympics. Shop around for the best rates and dream on.

4. A retirement Savings plan

It's not an easy fact to accept but one day we will all need to retire. Planning for retirement requires good financial decision making. Many banking and financial companies offer free retirement planning advice. Some home equity loans are designed to be used for investment purposes. Talk to a trusted Financial Planner before signing the dotted line on this idea.

Loan Terms - Points To Ponder

Now you have a plan and are ready to talk with a lending company. You may want to do this on the Internet to save time and maybe a few dollars. If that is the case then it is a must to know these terms. Before you proceed to do some serious web surfing here are a few you will want to become familiar with before you consider a home equity loan. These points to ponder are:

Equity

Equity is the appraised value or Fair Market Value of your home less the outstanding mortgage balance.

Mortgage Broker

A mortgage broker is the "go between" whom you pay to negotiate the best deal. This person has access to current financial information and can be very important if financial savvy is not your strong suit.

HELOC

A HELOC is a Home Equity Line Of Credit. This term is discussed under types of home equity loans.

Debt Consolidation Loan

Over the years as you have paid off your home, you may have also acquired a few credit cards along the line. These credit cards include gas cards, store credit cards, and some bank credit cards. The interest rates on these cards vary and you may find that you are paying through the nose for the convenience of a store credit card. That is where a home equity loan can be very handy. You can borrow the amount you need to pay off each card and make one payment each month. With current financing plans, one payment at the end of the month is less than the minimum payment that was required on each card. Once you have done this, get out your scissors and cut up all of the cards except one bank credit card for emergencies. Remember the plan!

Balloon Loan

This type of loan can be difficult. The first few payments are low with low interest rates. The last payment however is exactly as the name describes; a balloon. It is a very large payment at the end of the repayment period. It is essential to stick to your financial plan because in this case you may need another loan to pay off the balloon amount.

Interest Rate

The periodic fee charged for a loan. This is expressed as a percentage point and some financial institutions are offering approximately 5.6% on a thirty year fixed $150,000.00 home equity loan. The lower the interest rate the better the deal, just make sure you aren't negotiating a balloon loan though.

Transaction Fee

Unfortunately no matter how good the deal on the loan you get, there is no free ride. In the business of credit management someone has to make money in order for home equity loans to exist. There will be some type of transaction fee built into the loan application. Lenders have costs and these costs are passed along to the consumer as a transaction fee. Depending on the loan company you decide to use, a transaction fee can be lower or higher, so make sure you shop around.

FICO Score

A sliding scale based on a point score created by the Fair Isaac Corporation. This score is used to determine a borrower's behavior and potential risk factor.

Credit Rating

Using the point system based on the FICO score, a credit rating can be anywhere from poor to excellent. With a good to excellent FICO score, a person's credit rating can determine how much money can be borrowed and what interest rate will be charged.

Re-Financing - Finding A Gold Mine In Your Home

Many people consider their home to be their castle but few consider that they could be living on a potential gold mine. If you have lived in your house for 10 years and have been making payments, especially bi-monthly payments, you have built up a considerable amount of equity. Pair that with a good FICO score and there is indeed gold in that there house.

What's Your Fico?

Mortgage Brokers use a FICO scale to determine the amount of money you can borrow against your home and at what interest rate you can borrow this money. This number is between 300 - 850 points and showcases a person's credit history.

This scale was developed in California by the Fair Isaac Corporation, a global decision management company. A credit rating of 700 points is considered "good" and based on a $150,000.00 fixed thirty year mortgage, your rate of interest would be 5.7 percent VS 9.3% if your FICO score was below 600 points. Having a high FICO entitles you to borrow more money at a better rate.

Improving Your Fico

You've taken the test, (which is available at most lenders websites), and your score is not as stellar as you had hopped it would be. There are a couple of ways to improve this score:

1. Pay all your bills on time.

2. Keep a small balance on one credit card to keep it "active".

The FICO website gives you all the "who, what, where, when and why" of the two above suggestions. You can read about the rationale in great detail at that site.

Buyers Beware

With today's credit options and a good credit rating, you can borrow a lot of money against your home. This ability if not used responsibly and with a good solid financial plan can be ruinous. Some borrowers have gotten over their head and ultimately had to file for bankruptcy. So beware of potential risks.

Home Equity Loans - A Golden Opportunity

As you can see, a home equity loan is a great way to improve your living space, go on a holiday, plan for retirement or pay off some debts. With the right combination of a good FICO score and proper planning, there really is gold in that there house.

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 in come producing business which they can operate from their own 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 any thing for sale on the premises also fall into this category.

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 that involve typing, sewing and teaching, but turn thumbs down on requests from photographers, interior decorators and home-improve ment 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 in crease in noise? And how will your neighbors feel about this business alongside their homes?

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 sales 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 t o 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 involved 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 the place reserved to meet patients, clients or customers.

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 the 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 we will note to the "exclusive use" rule. One is the storage of inventory in your home, where your home is the location of your trade or business, and approval for your business, then, could be as sour 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 a separately identifiable space.

Another exception applies to day care 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 under taken with the intent of making a 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.

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 any 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 five rooms for your business, the business portion is 20 percent. If you run you r 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.

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 of 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-employment 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 the 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 your 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.