Don't you love beating the IRS? We get a perverse pleasure from not paying taxes, so we put together some tips to help you pay less to the IRS.

* Points you pay for a mortgage or loan for improvement of your home.

* Unemployment and disability taxes your state withholds.

* Expenses related to seminars you attend for business purposes.Deductible items include registration fees, travel, lodging and 80% of the cost of your meals.

* Travel expenses you incur when checking on income-producing property.

* Cost of telephone, postage, office supplies and automobile operation (trips to and from broker).



* Books, magazines, and newsletters on investment, financial, or tax matters, including appropriate daily papers (e.g., The Wall Street Journal, The New York Times).

* Out-of-pocket expenses incurred in changing jobs. Include the cost of printing résumés or traveling to an interview.

* A portion of health insurance for the self-employed.

* Deductible items on December credit card statement, even if paid in the following year.

* Medical expenses.

* Charitable contributions.

* Miscellaneous business expenses.

Remember: You can only deduct business and miscellaneous deductions if they exceed 2% of your adjusted gross income.