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[1,1.00,"Create your dreams list",null,null,"0",0,8388609]
[1,2.00,"Spend most of your time on your most important values",null,null,"0",1,8388609]
[1,3.00,"Identify your current values \u0000r most important values",null,null,"0",2,8388609]
[1,4.00,"Identify and eliminate destructive values",null,null,"0",3,8388609]
[1,5.00,"Focus on the result \u0000e destructive values",null,null,"0",4,8388609]
[1,5.10,"Put your financial goals in writing",null,null,"0",5,8388609]
[1,5.20,"Create a Records Management System(RMS)",null,null,"0",6,8388609]
[1,6.00,"Choose a permanent Records Management area",null,null,"0",7,8388609]
[1,7.00,"Set up your filing system\u0000 Management area",null,null,"0",8,8388609]
[1,8.00,"Choose the record keeping categories",null,null,"0",9,8388609]
[1,9.00,"Purchase a plastic check box for checks",null,null,"0",10,8388609]
[1,10.00,"Store important documents safely\u0000checks",null,null,"0",11,8388609]
[1,11.00,"Build a tax reference library\u0000ly",null,null,"0",12,8388609]
[1,12.00,"Keep all tax records at least seven years",null,null,"0",13,8388609]
[1,13.00,"Keep receipts for all deductible expenses over $25",null,null,"0",14,8388609]
[1,14.00,"Keep expense records in a pocket-size expense log",null,null,"0",15,8388609]
[1,15.00,"Keep receipts in addition to cancelled checks\u0000log",null,null,"0",16,8388609]
[1,16.00,"Use a credit or debit card for effective record keeping",null,null,"0",17,8388609]
[1,17.00,"Keep a time use record of assets for 90 days\u0000rd keeping",null,null,"1",18,8388609]
[1,17.10,"Create an Assets List for insurance purposes",null,null,"0",19,8388609]
[1,17.20,"Prepare a family Financial Statement\u0000urposes",null,null,"0",20,8388610]
[2,1.00,"If single, no dependents, don't buy life insurance",null,null,"1",21,8388614]
[2,2.00,"Do not buy life insurance on children\u0000fe insurance",null,null,"1",22,8388614]
[2,3.00,"If your spouse provides family income, insure him/her",null,null,"0",23,8388614]
[2,3.10,"Substitute the income of a spouse for life insurance",null,null,"1",24,8388614]
[2,3.20,"Insure a working/non-working spouse if you have kids",null,null,"0",25,8388614]
[2,3.30,"How much life insurance should you buy?\u0000ou have kids",null,null,"0",26,8388614]
[2,3.40,"Determine income before determining life insurance",null,null,"0",27,8388614]
[2,4.00,"Replace life insurance with income as you grow older",null,null,"1",28,8388614]
[2,4.10,"Buy enough insurance to maintain your lifestyle\u0000lder",null,null,"0",29,8388614]
[2,4.20,"Don't buy whole life because it pays dividends",null,null,"1",30,8388614]
[2,4.30,"Pick companies rated A or above with the low premiums",null,null,"0",31,8388614]
[2,4.40,"Don't buy double indemnity for accidental death\u0000miums",null,null,"1",32,8388614]
[2,4.50,"Never buy the disability premium waiver\u0000l death",null,null,"1",33,8388614]
[2,4.60,"Don't buy a policy just because of the company name",null,null,"0",34,8388614]
[2,5.00,"Never buy whole life insurance as an investment\u0000ame",null,null,"1",35,8388614]
[2,5.10,"Don't fall for the big lies about whole life insurance",null,null,"1",36,8388614]
[2,5.20,"Don't buy to avoid threat of being uninsurable in future",null,null,"0",37,8388614]
[2,6.00,"Buy only term insurance\u0000t of being uninsurable in future",null,null,"1",38,8388614]
[2,7.00,"Choose annual renewable term or level premium term",null,null,"1",39,8388614]
[2,8.00,"Buy ART if you have a short-term need for insurance",null,null,"1",40,8388614]
[2,9.00,"Buy ART if you smoke or are overweight but intend to stop",null,null,"1",41,8388614]
[2,10.00,"Call the Insurance Clearinghouse to get the best value\u0000op",null,null,"0",42,8388614]
[2,11.00,"Replace existing whole & universal life with term insurance",null,null,"1",43,8388614]
[2,12.00,"To cancel a life insurance policy, stop paying premiums\u0000nce",null,null,"0",44,8388614]
[2,13.00,"Remove cash value during 30-day grace period\u0000g premiums",null,null,"1",45,8388614]
[2,14.00,"Use life insurance-to-annuity tax-exempt transfer rules",null,null,"1",46,8388614]
[2,15.00,"Borrow and reinvest your life insurance cash value\u0000ules",null,null,"1",47,8388614]
[2,16.00,"Don't give life insurance proceeds to heirs in lump sum",null,null,"0",48,8388614]
[2,16.10,"Set up a trust to distribute income from invested proceeds",null,null,"0",49,8388614]
[2,16.20,"To avoid probate make proceeds payable to a beneficiary\u0000ds",null,null,"0",50,8388614]
[2,17.00,"Carry bodily injury to cover net assets plus legal fees",null,null,"0",51,8388618]
[2,18.00,"Carry minimum $50,000 property damage liability coverage",null,null,"0",52,8388618]
[2,19.00,"Buy $1 million of umbrella liability for under $150/year",null,null,"0",53,8388618]
[2,20.00,"If value of your car is low drop collision & comprehensive",null,null,"1",54,8388618]
[2,21.00,"Drop duplicate coverage\u0000low drop collision & comprehensive",null,null,"1",55,8388618]
[2,22.00,"Raise deductibles on auto & homeowner's to $500 or more",null,null,"1",56,8388618]
[2,23.00,"Never file an insurance claim for under $500\u000000 or more",null,null,"0",57,8388618]
[2,24.00,"Never pay more premiums than you can collect in damages",null,null,"0",58,8388618]
[2,25.00,"Substitute a free credit card for low insurance deductibles",null,null,"0",59,8388618]
[2,26.00,"Check insurance rates on your car before you buy it\u0000ctibles",null,null,"0",60,8388618]
[2,27.00,"Shop around to save on auto insurance premiums\u0000y it",null,null,"1",61,8388618]
[2,28.00,"Don't take extra coverage such as towing or car rental",null,null,"0",62,8388618]
[2,29.00,"Determine amount accidents or tickets will raise premiums",null,null,"0",63,8388618]
[2,30.00,"Ask for the 5 basic automobile insurance discounts\u0000emiums",null,null,"1",64,8388618]
[2,31.00,"When renting a car, decline all extra insurance coverage",null,null,"1",65,8388618]
[2,32.00,"Buy separate policy for motorcycles, mopeds & snowmobiles",null,null,"0",66,8388618]
[2,33.00,"Take only the coverage you need on your homeowner's policy",null,null,"1",67,8388618]
[2,34.00,"Decline additional coverage on your homeowner's policy\u0000icy",null,null,"1",68,8388618]
[2,35.00,"Purchase a \"floater\" to cover expensive personal items",null,null,"0",69,8388618]
[2,36.00,"Buy flood or earthquake insurance only in designated zones",null,null,"0",70,8388618]
[2,37.00,"Video tape your valuables for insurance records\u0000ated zones",null,null,"0",71,8388618]
[2,38.00,"Buy replacement value not market value coverage for home",null,null,"0",72,8388618]
[2,39.00,"Fire insure at least 80% of replacement cost of home\u0000ome",null,null,"1",73,8388618]
[2,40.00,"Buy special tenant policy, HO-4, if you rent\u0000of home",null,null,"0",74,8388618]
[2,41.00,"Protect rental properties with an OLT policy",null,null,"0",75,8388618]
[2,42.00,"Say no to loan insurance--Credit Life & Disability",null,null,"1",76,8388618]
[2,43.00,"Replace expensive mortgage life insurance with term",null,null,"1",77,8388618]
[2,44.00,"Raise the deductible on your medical insurance\u0000term",null,null,"1",78,8388618]
[2,45.00,"Buy disability only if in poor health or accident prone",null,null,"1",79,8388618]
[2,46.00,"Don't buy specialty health and life insurance policies",null,null,"0",80,8388656]
[3,1.00,"When borrowing money, never take 'no' for an answer\u0000es",null,null,"0",81,8388656]
[3,1.10,"Contact a mortgage broker if you are turned down\u0000er",null,null,"0",82,8388656]
[3,1.20,"Avoid mortgage prepayment penalties of over 5 years",null,null,"0",83,8388656]
[3,1.30,"Think before changing an adjustable to a fixed rate",null,null,"0",84,8388656]
[3,1.40,"Don't pay off a low interest mortgage early\u0000ed rate",null,null,"0",85,8388656]
[3,1.50,"Never buy or finance extended warranties\u0000ly",null,null,"1",86,8388656]
[3,2.00,"Learn when to pay cash and when to borrow",null,null,"0",87,8388656]
[3,2.10,"Beware of add-on Interest Rate Quotes\u0000row",null,null,"0",88,8388656]
[3,2.20,"Never sign a \"Rule of 78\" loan agreement",null,null,"0",89,8388656]
[3,3.00,"Always use short terms for consumer borrowing",null,null,"1",90,8388688]
[3,4.00,"Develop a positive credit profile with the \"big 8\"",null,null,"0",91,8388688]
[3,4.10,"Pay off all perishable purchases on your credit card",null,null,"0",92,8388688]
[3,4.20,"Determine if a low interest card is worth the fee\u0000rd",null,null,"0",93,8388688]
[3,4.30,"Use the float if you pay your cards off each month",null,null,"1",94,8388688]
[3,4.40,"Use a secured card to rebuild your credit rating\u0000h",null,null,"0",95,8388688]
[3,4.50,"Exercise your credit file \"Bill of Rights.\"\u0000ting",null,null,"0",96,8388688]
[3,4.60,"Pull your credit file now and once per year",null,null,"0",97,8388688]
[3,4.70,"Use TRW Credentials Service for maximum credit control",null,null,"0",98,8388688]
[3,5.00,"Correct all personal data errors in your credit file\u0000l",null,null,"0",99,8388688]
[3,6.00,"Have bureau re-verify and correct any incorrect data",null,null,"0",100,8388688]
[3,7.00,"Have all missing positive credit data added to your file",null,null,"0",101,8388688]
[3,8.00,"Add the rest of the story to your credit file\u0000 your file",null,null,"0",102,8388688]
[3,9.00,"Have credit bureau remove derogatory information",null,null,"0",103,8388688]
[3,9.10,"Use small claims court & consumer reporters for disputes",null,null,"0",104,8388688]
[3,10.00,"If you are refused credit, get the reason in writing\u0000tes",null,null,"0",105,8388688]
[3,10.10,"Exercise your right to same good credit as your spouse",null,null,"0",106,8388688]
[3,11.00,"Get credit as small business, list yourself as employee",null,null,"0",107,8388688]
[3,12.00,"Use a co-signer to help re-establish your credit\u0000ployee",null,null,"0",108,8388688]
[3,13.00,"To rehabilitate credit, use bank loan as security for loan",null,null,"0",109,8388688]
[3,13.10,"File Chapter 13 instead of personal bankruptcy\u0000ty for loan",null,null,"0",110,8388688]
[3,14.00,"Eliminate high interest credit card debt\u0000uptcy",null,null,"1",111,8388752]
[3,14.10,"Use debt shifting to pay off credit cards in half time",null,null,"1",112,8388752]
[3,15.00,"Replace all high interest cards with low interest ones",null,null,"1",113,8388752]
[3,15.10,"Decline or cancel all credit card insurance\u0000erest ones",null,null,"1",114,8388752]
[3,16.00,"Deduct credit card charge in your bank balance for control",null,null,"0",115,8388752]
[3,17.00,"Overcome poor credit with a secured credit card\u0000or control",null,null,"0",116,8388752]
[3,17.10,"Shop around to find your best deal on a mortgage",null,null,"0",117,8388880]
[3,17.20,"Mortgage payments should not exceed 30% of income",null,null,"0",118,8388880]
[3,17.30,"Try for an FHA or VA mortgage before a conventional one",null,null,"1",119,8388880]
[3,17.40,"Convert points to interest equivalent for comparison\u0000ne",null,null,"0",120,8388880]
[3,17.50,"Bid on VA repo for a bargain-priced house to fix up",null,null,"0",121,8388880]
[3,18.00,"If fixed rate mortgage is over 9-3/4% take the ARM",null,null,"0",122,8388880]
[3,18.10,"Convert ARM to FRM only if new FRM is 10% or less",null,null,"0",123,8388880]
[3,19.00,"Use GPM for more home with smaller monthly payments",null,null,"0",124,8388880]
[3,20.00,"Use an affordable GEM & pay off home in half time\u0000s",null,null,"0",125,8388880]
[3,21.00,"Get a bigger mortgage & create a better investment",null,null,"0",126,8388880]
[3,22.00,"Cut total payment by 45% with a 15-year mortgage\u0000t",null,null,"0",127,8388880]
[3,23.00,"Cut mortgage term in half with extra principal payments",null,null,"0",128,8388880]
[3,23.10,"Get a 30-year mortgage & make extra principal payments",null,null,"0",129,8388880]
[3,23.20,"Get more when selling home with FHA or VA mortgage\u0000nts",null,null,"0",130,8388880]
[3,23.30,"If interest is less than 9%, don't make extra payments",null,null,"0",131,8388880]
[3,23.40,"Don't let prepayment penalty scare you off\u0000ra payments",null,null,"0",132,8388880]
[3,23.50,"Don't make extra principal payments on rental property",null,null,"0",133,8388880]
[3,23.60,"Invest the amount of your extra principal payment\u0000erty",null,null,"0",134,8388880]
[3,23.70,"Obtain amortization schedule for all your loans\u0000t",null,null,"0",135,8388880]
[3,24.00,"Never use a mortgage grace period\u0000ll your loans",null,null,"0",136,8388880]
[3,25.00,"Refinance if new rate is less than 2% of old rate",null,null,"0",137,8388880]
[3,26.00,"Borrow your home equity free by investing it\u0000rate",null,null,"0",138,8388880]
[3,27.00,"Buy a home that will pay off a college loan",null,null,"0",139,8389136]
[3,28.00,"Use \"PLUS loan\" for first $3,000/year of college costs",null,null,"0",140,8389136]
[3,29.00,"Turn your property into mini student dorm\u0000ollege costs",null,null,"0",141,8389136]
[3,30.00,"Rent property by bedroom on yearly, co-signed lease",null,null,"1",142,8389136]
[3,31.00,"Make your son or daughter property manager\u0000ed lease",null,null,"1",143,8389136]
[3,32.00,"Use rental real-estate deduction to generate extra cash",null,null,"1",144,8389136]
[3,33.00,"Use profits from investment to pay off student loan\u0000ash",null,null,"1",145,8391680]
[4,2.00,"Pay no or low commissions\u0000t to pay off student loan",null,null,"1",146,8391680]
[4,4.00,"Keep your money out of vacant land",null,null,"0",147,8391680]
[4,5.00,"Don't throw money away in time-sharing",null,null,"0",148,8391680]
[4,6.00,"Never use life insurance as an investment",null,null,"0",149,8391680]
[4,7.00,"Stay away from individual stocks and bonds",null,null,"0",150,8391680]
[4,8.00,"Never invest in bonds when interest rates are rising",null,null,"0",151,8391680]
[4,9.00,"Don't invest in inflation hedges like precious metals",null,null,"0",152,8391680]
[4,10.00,"Don't fall for investment phone pitches\u0000ecious metals",null,null,"0",153,8391680]
[4,11.00,"Never take the advice of a commissioned salesperson",null,null,"0",154,8391680]
[4,12.00,"Don't over-leverage in volatile investments\u0000sperson",null,null,"0",155,8391680]
[4,12.10,"Don't buy overly speculative investments\u0000ts",null,null,"0",156,8391680]
[4,13.00,"Avoid options as leveraged or hedged investments",null,null,"0",157,8391680]
[4,14.00,"Learn to recognize bad investment advice\u0000stments",null,null,"0",158,8391680]
[4,15.00,"Use the 10% solution to go from paycheck to prosperity",null,null,"1",159,8391680]
[4,16.00,"Store 20% of one year's income as attitude money\u0000erity",null,null,"0",160,8391680]
[4,17.00,"\"Rule of 72\" calculates the doubling power of money",null,null,"0",161,8391680]
[4,18.00,"Double your interest with an Asset Management Account",null,null,"1",162,8393728]
[4,19.00,"Choose an AMA that gives you maximum legal float\u0000ount",null,null,"1",163,8393728]
[4,20.00,"Pay all your bills through an Asset Management Account",null,null,"0",164,8393728]
[4,21.00,"Choose an Asset Management Account with a debit card\u0000t",null,null,"0",165,8393728]
[4,22.00,"Choose an AMA with a low yearly fee\u0000ith a debit card",null,null,"0",166,8393728]
[4,23.00,"Use an AMA for your small business checking account",null,null,"1",167,8401920]
[4,25.00,"Invest in stocks, bonds & MMs through mutual funds",null,null,"0",168,8397824]
[4,26.00,"Use only no-load mutual funds\u0000through mutual funds",null,null,"1",169,8397824]
[4,34.00,"Invest in funds with assets between $25mil & $3bil",null,null,"0",170,8397824]
[4,35.00,"Invest in good funds with telephone switching\u00003bil",null,null,"0",171,8397824]
[4,36.00,"Use the fund family fact sheets\u0000one switching",null,null,"0",172,8397824]
[4,36.10,"Open no-load funds using 6 simple steps",null,null,"0",173,8397824]
[4,37.00,"Contribute the deductible maximum to an IRA",null,null,"0",174,8406016]
[4,37.10,"Use double deduction benefits in retirement plans",null,null,"0",175,8406016]
[4,38.00,"Contribute to your retirement plan now\u0000ment plans",null,null,"0",176,8406016]
[4,39.00,"Choose an IRA with a low trustee's fee, $35 or less",null,null,"0",177,8406016]
[4,40.00,"Borrow for your IRA--even if you have the money\u0000ess",null,null,"1",178,8406016]
[4,41.00,"Use your retirement plan as instant source of capital",null,null,"0",179,8406016]
[4,42.10,"Contribute deductible max. to your retirement plan\u0000al",null,null,"0",180,8406016]
[4,43.00,"Open a self-directed IRA\u0000. to your retirement plan",null,null,"0",181,8406016]
[4,44.00,"Never invest your IRA in a tax shelter",null,null,"0",182,8406016]
[4,45.00,"Use the switching rule in your retirement plan",null,null,"0",183,8406016]
[4,45.10,"Withdraw from your retirement account before 59-1/2",null,null,"1",184,8406016]
[4,46.00,"Use lump sum averaging when withdrawing for retirement",null,null,"1",185,8406016]
[4,47.00,"Use IRA rollover rules to minimize taxes\u0000or retirement",null,null,"0",186,8406016]
[4,48.00,"Open your rollover IRA in a no-load mutual fund family",null,null,"0",187,8406016]
[4,49.00,"Avoid employer-to-employer retirement account transfer",null,null,"0",188,8406016]
[4,50.00,"Never annuitize your company retirement plan\u0000 transfer",null,null,"0",189,8406016]
[4,51.00,"Create tax deductions for retirement withdrawals",null,null,"0",190,8406016]
[4,52.00,"Recalculate life expectancy to minimize withdrawals",null,null,"0",191,8406016]
[4,52.10,"Enjoy your retirement money\u0000to minimize withdrawals",null,null,"0",192,8406016]
[4,53.00,"Use a self-directed annuity",null,null,"1",193,8422400]
[4,54.00,"Never annuitize your annuity account",null,null,"0",194,8422400]
[4,55.00,"Use tax-free exchange to move your annuity",null,null,"0",195,8422400]
[4,57.00,"Invest in an annuity for five years or longer",null,null,"0",196,8422400]
[4,58.00,"Use self-directed annuities as estate planning tools",null,null,"0",197,8422400]
[4,58.10,"Use self-directed annuities to beat the kiddie tax\u0000s",null,null,"0",198,8422400]
[4,58.20,"Transfer cash value life insurance to a S-D annuity",null,null,"0",199,8422400]
[4,58.30,"Ask questions before investing in a S-D annuity\u0000ity",null,null,"0",200,8585216]
[5,1.00,"Use legal tax strategies, not loopholes or tax cheating",null,null,"0",201,8585216]
[5,2.00,"Determine your tax bracket to track your tax savings\u0000ng",null,null,"0",202,8585216]
[5,3.00,"Cut your adjusted gross income to increase deductions",null,null,"0",203,8585216]
[5,4.00,"Complete the 1040 long form, you can only pay less tax",null,null,"1",204,8585216]
[5,5.00,"Choose an aggressive tax preparer or none at all\u0000s tax",null,null,"1",205,8585216]
[5,6.00,"Don't over or under withhold from your paycheck",null,null,"0",206,8585216]
[5,7.00,"Prepare your own return at least once\u0000 paycheck",null,null,"0",207,8585216]
[5,8.00,"Time your refund to earn extra interest",null,null,"1",208,8585216]
[5,10.00,"Avoid tax penalties, don't worry about interest",null,null,"0",209,8585216]
[5,11.00,"When in doubt, deduct it\u0000t worry about interest",null,null,"1",210,8585216]
[5,12.00,"Sign your return if your income is less than $50,000",null,null,"0",211,8585216]
[5,13.00,"File your return later, not earlier\u0000ess than $50,000",null,null,"0",212,8585216]
[5,14.00,"File an automatic extension Form 4868",null,null,"0",213,8585216]
[5,15.00,"Don't react to an audit as more than it really is",null,null,"0",214,8716288]
[5,16.00,"Delay an audit as long as possible\u0000n it really is",null,null,"0",215,8716288]
[5,17.00,"Get the reasons for audit in writing",null,null,"0",216,8716288]
[5,18.00,"Take your tax preparer to the audit",null,null,"0",217,8716288]
[5,19.00,"Let the auditor see your documents only once",null,null,"0",218,8716288]
[5,20.00,"Never part company with your original documents",null,null,"0",219,8716288]
[5,21.00,"Don't let the auditor copy your tax file\u0000uments",null,null,"0",220,8716288]
[5,22.00,"Learn how to behave in an audit\u0000tax file",null,null,"0",221,8716288]
[5,23.00,"Go beyond the auditor if you are unhappy",null,null,"0",222,8716288]
[5,24.00,"Apply the statute of limitations to an audit",null,null,"0",223,8716288]
[5,25.00,"Agree only to a limited extension of an audit",null,null,"0",224,8716288]
[5,26.00,"Put a stop to the hassle audit should you suffer one",null,null,"0",225,8716288]
[5,27.00,"Sell your home to your children\u0000hould you suffer one",null,null,"0",226,8978432]
[5,28.00,"Buy a home with your kids or grandkids",null,null,"0",227,8978432]
[5,29.00,"Keep your will up-to-date\u0000or grandkids",null,null,"0",228,8978432]
[5,30.00,"Give gifts to your kids to reduce estate taxes",null,null,"1",229,8978432]
[5,31.00,"Create an irrevocable trust to protect your estate",null,null,"0",230,8978432]
[5,32.00,"Use a dual trust to protect more of your estate\u0000te",null,null,"0",231,8978432]
[5,33.00,"Give charitable gifts to lower estate taxes\u0000ate",null,null,"0",232,9502720]
[5,34.00,"Deduct your investment plan's expenses\u0000axes",null,null,"1",233,9502720]
[5,35.00,"Deduct your VCR or home computer\u0000enses",null,null,"1",234,9502720]
[5,36.00,"Take Schedule A deductions by combining deductions",null,null,"1",235,9502720]
[5,37.00,"Use job interviews to make vacations deductible\u0000ns",null,null,"1",236,9502720]
[5,38.00,"Start a small importing company\u0000ions deductible",null,null,"1",237,9502720]
[5,39.00,"Become an \"outside agent\" for a travel agency",null,null,"1",238,9502720]
[5,40.00,"Use an equity loan/mortgage to deduct interest",null,null,"1",239,9502720]
[5,41.00,"Qualify your boat or RV for deductible interest",null,null,"1",240,9502720]
[5,42.00,"Use your vacation home as a second, not a rental, home",null,null,"1",241,9502720]
[5,43.00,"Borrow the money for your IRA and deduct the interest",null,null,"1",242,9502720]
[5,44.00,"Pay off high interest debt with low interest debt\u0000est",null,null,"1",243,9502720]
[5,45.00,"Pay cash for consumer goods, borrow to invest\u0000ebt",null,null,"1",244,9502720]
[5,46.00,"Sell appreciated investments to deduct expense",null,null,"1",245,9502720]
[5,47.00,"Convert consumer interest to business interest",null,null,"1",246,9502720]
[5,48.00,"Make your job a tax shelter via employee deductions",null,null,"1",247,9502720]
[5,49.00,"Deduct your employee business mileage\u0000ee deductions",null,null,"1",248,9502720]
[5,50.00,"Deduct your job-related education\u0000age",null,null,"1",249,9502720]
[5,51.00,"Deduct a home office when used for your employer",null,null,"1",250,9502720]
[5,52.00,"Pay your spouse or kids to help with your job\u0000er",null,null,"1",251,9502720]
[5,53.00,"Deduct your job-related tools and equipment\u0000b",null,null,"1",252,9502720]
[5,54.00,"Deduct your special clothes\u0000s and equipment",null,null,"1",253,9502720]
[5,55.00,"Use Form 2106 for your employee business expenses",null,null,"1",254,9502720]
[5,56.00,"Combine employee and miscellaneous deductions\u0000ses",null,null,"1",255,9502720]
[5,57.00,"Add withholding allowances to increase take home pay",null,null,"1",256,9502720]
[5,58.00,"Get next year's refund this year\u0000rease take home pay",null,null,"1",257,9633792]
[5,59.00,"Add 1 allowance per each $2,000 of deductions",null,null,"1",258,9502720]
[5,60.00,"Turn home improvements into tax deductions\u0000ns",null,null,"1",259,9502720]
[5,61.00,"Deduct last minute presale home fix-up expenses",null,null,"1",260,9502720]
[5,62.00,"Use tax deferral when you sell your home\u0000penses",null,null,"1",261,9502720]
[5,63.00,"Don't reinvest profits into your new home",null,null,"1",262,9502720]
[5,64.00,"Create a deductible office at home\u0000w home",null,null,"1",263,9502720]
[5,65.00,"After 55, save $40,000 when you sell your home",null,null,"1",264,9502720]
[5,66.00,"Deduct your boat, plane or RV\u0000u sell your home",null,null,"1",265,9502720]
[5,67.00,"Use third party leasing to deduct recreational assets",null,null,"1",266,9502720]
[5,68.00,"Deduct boat or RV interest as a second home\u0000al assets",null,null,"1",267,10485760]
[6,1.00,"Turn any small business into a tremendous tax shelter",null,null,"1",268,10485760]
[6,2.00,"Begin a small business as a \"sole proprietorship\"\u0000ter",null,null,"0",269,10485760]
[6,3.00,"Use \"paper\" losses to tax shelter job and investment income",null,null,"0",270,10485760]
[6,4.00,"Operate your activity as a business not a hobby\u0000ment income",null,null,"0",271,10485760]
[6,4.10,"Use the business start-up checklist to get started",null,null,"0",272,10485760]
[6,5.00,"Profit 3 out of 5 years to qualify for tax deductions",null,null,"0",273,10485760]
[6,5.10,"Learn the truth about small business deductions\u0000tions",null,null,"1",274,10485760]
[6,6.00,"Choose a small business idea that is exciting and fun",null,null,"0",275,10485760]
[6,7.00,"Begin marketing immediately to deduct start-up costs",null,null,"1",276,10485760]
[6,8.00,"Hire your spouse and create a deductible IRA\u0000p costs",null,null,"1",277,10485760]
[6,9.00,"Qualify your spouse for Social Security benefits",null,null,"1",278,10485760]
[6,10.00,"Hire your kids and make allowances & gifts deductible",null,null,"1",279,10485760]
[6,11.00,"Beat the kiddie tax with a children's IRA\u0000 deductible",null,null,"1",280,10485760]
[6,12.00,"Exempt your dependent child with a salary up to $3,000",null,null,"1",281,10485760]
[6,13.00,"Use a small business to make your car deductible\u00003,000",null,null,"1",282,10485760]
[6,14.00,"Use the biggest tax saving automobile deduction type",null,null,"1",283,10485760]
[6,15.00,"Estimate auto expenses using the mileage rate method",null,null,"1",284,10485760]
[6,16.00,"Buy an automobile instead of leasing\u0000age rate method",null,null,"1",285,10485760]
[6,17.00,"Use your personal assets to make them tax deductible",null,null,"1",286,10485760]
[6,18.00,"Calculate deductions by percentage of business use\u0000e",null,null,"1",287,10485760]
[6,19.00,"Use asset-expensing rules for immediate deductions",null,null,"1",288,10485760]
[6,20.00,"Take depreciation deductions for assets you own\u0000ns",null,null,"1",289,10485760]
[6,21.00,"Get more deductions with straight-line depreciation",null,null,"1",290,10485760]
[6,22.00,"Use IRS form 4562 for asset-expensing and depreciation",null,null,"0",291,10485760]
[6,23.00,"Use business personal assets for sales tax deductions",null,null,"1",292,10485760]
[6,24.00,"Keep a 90-day tab of business/personal asset use\u0000ions",null,null,"1",293,10485760]
[6,25.00,"Take deductions for repairs to business assets\u0000e",null,null,"1",294,10485760]
[6,26.00,"Create a deductible office in your home\u0000assets",null,null,"1",295,10485760]
[6,27.00,"Make club memberships deductible through business use",null,null,"1",296,10485760]
[6,28.00,"Get deductions for reading, audio and video materials",null,null,"1",297,10485760]
[6,29.00,"Take deductions for business travel expenses\u0000aterials",null,null,"1",298,10485760]
[6,30.00,"Make interest deductible as a business expense",null,null,"1",299,10485760]
[6,31.00,"Consider an \"S\" corporation election\u0000s expense",null,null,"1",300,10485760]
[6,32.00,"Cut self-employment tax by increasing business deductions",null,null,"1",301,11534336]
[6,33.00,"Create a retirement shelter with a small business\u0000uctions",null,null,"1",302,10502144]
[6,34.00,"Use a self-directed small business retirement plan",null,null,"1",303,10502144]
[6,35.00,"Avoid matching contributions for employees with a SEP",null,null,"1",304,12582912]
[7,1.00,"Live free by buying instead of renting\u0000ees with a SEP",null,null,"1",305,12582912]
[7,2.00,"Get a bigger mortgage to create a better investment",null,null,"0",306,12582912]
[7,3.00,"Locate favorable real estate properties\u0000 investment",null,null,"0",307,12582912]
[7,4.00,"Use an MLS computer to sort properties",null,null,"0",308,12582912]
[7,5.00,"Use the 10-10-10 formula to buy property right",null,null,"0",309,12582912]
[7,6.00,"Use the building block approach to financing\u0000t",null,null,"0",310,12582912]
[7,7.00,"Avoid new or assumable conventional mortgages",null,null,"0",311,12582912]
[7,8.00,"Finance with FHA or VA mortgages for primary residences",null,null,"0",312,12582912]
[7,9.00,"Buy investment property with an existing FHA mortgage\u0000s",null,null,"0",313,12582912]
[7,9.10,"Learn the qualification rules before buying\u0000 mortgage",null,null,"0",314,12582912]
[7,10.00,"Use a single payment mortgage to cut monthly payments",null,null,"0",315,12582912]
[7,11.00,"Use the Triple Punch Strategy for your first home\u0000nts",null,null,"0",316,0]