Category : Financial and Statistics
Archive   : SBADV934.ZIP
Filename : HELP.SBE

@H001
"NEW" SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Includes summary of signifi-
cant law/tax changes, in ad-
dition to program enhance-
ments since the last quart-
erly update release of the
SMALL BUSINESS ADVISOR, plus
improvements now in process.

@H002
The "DATA" selection: Used to
allow you to enter data about
your business, or planned-for
business. The program refers
to this base information when
performing certain analytical
functions. You may also use
this menu selection to change
the data previously entered.

@H003
"INDX" selection allows you
to scan thru the alphabetical
topical index to locate a key
word that describes the topic
you wish to explore, such as
FICA TAX. When you have found
the topic you want, press the
key to view relevant
information on that subject..

@H004
"KEY" MENU SELECTION
The "KEY" selection lets you
enter a key word or words,
regarding a subject on which
you want information. A quick
search of an extensive index
will be made for the approp-
riate text files, which the
program will display for you.

@H005
Select the "TAXES" Submenu
to perform "quick and dirty"
tax calculations. It includes
current personal income tax &
corporate income taxes. Also,
you may compute estate taxes
(federal) on taxable estates
of varying sizes, utilizing
different assumptions.

@H006
"TEST" MENU SELECTION
This selection will give you
a brief self-test under which
your answers to a series of
multiple-choice questions are
evaluated to give some sense
of whether you're well-suited
to attempt to become a small
business owner/entrepreneur.

@H007
"SCRN" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection lets you
choose any of a wide range
of color and texture combina-
tions for the title bar and
background of the Main Menu.
(If you have a COLOR monitor,
Press now to select.)

@H008
"USER" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Press now if you wish
to page through the "On-Disk
User Manual" for general help
regarding the use of the pro-
gram. If you have the PRINT/
SAVE utility, you can print
out any or all of the manual.

@H009
"XPERT" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Press now to consult
with the "Expert" in question
and answer style, regarding a
number of complex questions,
such as whether or not to in-
corporate, whether to deduct
home office expense, etc....

@H010
"MONY" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ

This menu selection (which is
about MONEY) will provide you
with information on the sub-
ject of obtaining financing
for your small business.


@H011
"ENTY" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection offers a
wealth of information to help
you decide on which kind of
legal form or entity you will
choose for your business. Key
words are highlighted for in-
stant cross-referencing....

@H012
"PLAN" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection lets you
review and create, and, if
desired, print out a short
written business plan for the
business you are starting up.
You may save this worksheet
on disk for later revisions.

@H013
"MARK" MENU SELECTION
This menu item allows you
to review and create, and, if
you desire, print out a work-
sheet on the marketing feasi-
bility for your product. You
may save the worksheet that
you created on disk for later
revisions, when convenient...

@H014
"HIRE" MENU SELECTION
This menu item will allow you
to review and create, and, if
you desire, print out a work-
sheet on personnel policies
that you will adopt for your
business. You may save the
worksheet that you created on
disk for subsequent revision.

@H015
The "BUY" menu selection
will provide you with textual
information and advice on how
to go about buying a business
that already exists, as well
as pros and cons of starting
starting a new business from
scratch vs. buying an exist-
ing business operation.

@H016
"TRAP" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection will give
you a list and discussion of
a number of the more common
traps and pitfalls which you
need to beware of if you pur-
chase an existing business...


@H017
"FRAN" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Choosing this menu item will
provide you with some of the
pros and cons of getting into
a franchise operation, along
with questions you should ask
yourself and the franchising
company before doing so.

@H018
"NEG" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu option offers you
practical advice on negotiat-
ing the acquisition of an ex-
isting business, including an
allocation for tax purposes,
non-competition covenants and
other useful tips.

@H019
"CLOS" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Discusses various legal & tax
matters you need to consider
before and after closing the
purchase of an existing busi-
ness, to protect yourself for
tax and liability purposes.


@H020
"INTX" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides you various inform-
ation on income tax require-
ments for the various types
of legal entities & regarding
estimated income tax for such
entities. (Federal and state)


@H021
"WITH" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection reviews
requirements for withholding
income tax from the wages of
your employees--Forms, dead-
lines for depositing the tax,
registering as an employer,
etc....

@H022
"FICA" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Use this selection to review
basic information regarding
FICA (Social Security) Taxes,
including current tax rates,
withholding requirements, and
possible strategies for cut-
ing your FICA tax liability.

@H023
"UNEM" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Gives you basic requirements
for federal (FUTA) and state
unemployment tax filings, tax
rates, etc., plus some advice
on how to keep down your tax
rate under state law....


@H024

"S/E" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Describes basic tax rules for
calculating, paying, & avoid-
ing (if possible) the federal
tax on self-employment income



@H025

"EXC" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides you with summary of
the main federal excise taxes
that most small and medium-
sized businesses need to know
about....


@H026
"SALE" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Gives general information on
sales and use taxes that may
apply to your business, de-
pending on the nature of your
business and the states where
you operate....


@H027
"PROP" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides general information
regarding state & local real
and personal property taxes,
as applicable to businesses,
and regarding tax to be with-
held when buying real estate
from non-U.S. persons.

@H028

"INFO" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides helpful information
regarding Forms 1099 and sim-
ilar tax information returns
commonly required to be filed
by businesses.


@H029

"LIC" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Describes federal, state and
local licensing requirements
that may be applicable to you
or your business, occupation,
or profession....


@H030
"NAME" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides you with information
on legal & practical aspects
of choosing a trade name, the
need to register a fictitious
or assumed name, and benefits
of obtaining protection for
trademarks or trade names.

@H031
"COMP" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides background informa-
tion on legal requirements of
Worker's Compensation laws in
most of the major states, and
the need for employers to ob-
tain such insurance coverage.


@H032
"WAGE" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection provides
you with information on wage
and hour laws, including the
minimum wage requirement, the
need to pay overtime in cer-
tain situations, and restric-
tions on hiring child labor.
@H033

"OSHA" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Offers information on health
and safety regulations of the
Occupational Safety & Health
Administration as they affect
typical small businesses.....


@H034
"EBP" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides discussion of legal
requirements under ERISA that
apply to almost all employee
benefit plans, including the
rules regarding reporting and
disclosure....


@H035

"FAIR" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides guidance with regard
to anti-discrimination laws,
which apply to all but very
small employers....



@H036
"IMMI" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Tells you about procedures to
follow when hiring ANY em-
ployee, under the Immigration
Reform and Control Act, which
went into effect in 1986, and
which prohibits the hiring of
illegal aliens....

@H037
"SEC" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Offers guidelines to a small
business that wishes to avoid
legal liability when issuing
stock or securities in a new
corporation, under the secur-
ities laws and regulations.


@H038

"EPA" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides general advice about
possible exposure to environ-
mental cleanup liability, EPA
air quality operating permits
and other federal environmen-
tal laws and regulations.

@H039

"LEASE" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Offers a checklist of things
that you need to consider be-
fore entering into a business
lease agreement....



@H040

"ACQ" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ

This menu selection gives you
a checklist of key items that
you need to consider when you
acquire an existing business.


@H041

"EVAL" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ

Provides a checklist for the
evaluation of a franchise op-
portunity.



@H042
"START" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
This menu selection gives you
a business startup checklist,
tailored to your particular
situation based on the infor-
mation you entered previous-
ly using the "DATA" command.


@H043
"CTRL" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides an internal controls
checklist to help you deter-
mine if your small business's
internal financial controls
are adequate to reduce risks
of employee fraud, etc.


@H044
"FLOW" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Provides a checklist of ways
to control and maximize your
business's cash flow, and why
adequate cash flow management
is crucial to the success of
most businesses.


@H045
"INDEP" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Checklist of factors IRS uses
in determining whether a wor-
ker will be considered an in-
dependent contractor or will
be treated as an employee for
FICA and w/h tax purposes.


@H046
"DISAB" MENU SELECTION
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
Checklist that should always
be filled out by an employer,
when making decision whether
or not to hire a person with
a disability, under the Amer-
icans with Disabilities Act.


@BEGIN
01 View summary of recent law changes included in this quarterly revision of SBA
02 Enter DATA by answering questions about your business, for startup checklist
03 Select the INDX command to scan thru a subject matter index & select a topic
04 Enter one or more KEY words and the program will search for relevant info
05 Do tax planning calculations: Estate TAXES, individual or corp. income tax
06 Hit now to give your self a TEST of your entrepreneurial abilities
07 Press key to change the color and/or texture of the menu screen
08 Load USER's Manual from disk to see helpful info on operating this program
09 Use program's eXPERT systems features for consulting help on complex subjects
10 The MONY selection provides general information on sources of financing
11 Pros & cons of incorporating, partnerships, etc. (With hypertext feature)
12 Follow the outline for writing your own business PLAN, then print out or save
13 MARKeting feasibility worksheet, ready for you to fill in and print out
14 Personnel policy checklist and worksheet, ready for you to fill in and print
15 Tips and suggestions for BUYing an existing business, vs. starting a new one
16 Common TRAPs and pitfalls to avoid if you buy an existing business
17 Advantages and disadvantages of FRANchises; and franchise evaluation checklist
18 Suggestions for successfully NEGotiating the purchase of a business
19 Checklist of items you need to be aware of when CLOSing a business purchase
20 Income tax basics--Personal/corporate tax rates, Fed. and @STATE
21 Summary of income tax WITHholding and tax deposit requirements
22 Basic information on FICA (Social Security) tax rates and withholding
23 Summary of FUTA (Federal UNEMployment Tax Act) provisions and tax rates
24 Explanation of the Federal self-employment tax law and current tax rates
25 General summary of Federal EXCise taxes and typical state excise taxes
26 Information on state SALEs taxes, with emphasis on @STATE
27 General summary of PROPerty taxes in @STATE
28 Guidance to Federal tax INFOrmation return compliance regulations
29 Summary of Federal and state LICensing requirements for businesses
30 Advantages/requirements for registering your business NAME or trademarks
31 Information on Workers' COMPensation law requirements in @STATE
32 Basic requirements of minimum WAGE, overtime pay, and child labor laws
33 Federal Occupational Safety & Health Act regulations affecting most employers
34 Summary of ERISA reporting and disclosure rules for employee benefit plans
35 Legal prohibitions on discrimination in employment practices
36 Federal IMMIgration law requirements that apply when you hire any employees
37 Guidelines for avoiding civil or criminal liability when issuing SECurities
38 Federal air quality, Superfund, and other environmental laws & EPA regulations
39 Checklist of items to consider before you sign a business LEASE of real estate
40 Checklist of considerations for ACQuiring an existing business
41 Checklist for EVALuating a franchise business opportunity
42 Hit to view a customized new business STARTup checklist for your firm
43 Checklist of basic rules for establishing adequate internal financial controls
44 Checklist of ideas for maximizing your business's cash FLOW
45 Checklist of factors for determining if a worker is an INDEPendent contractor
46 Employer ADA checklist (use when interviewing job applicant with a DISABility)