Small Business

The address is www.sec.gov

A bank or lending institution may ask for a co-signer or guarantor on a loan to further insure that the loan will be repaid. A co-signer will also be personally liable for repayment of the loan.

As security, the bank is asking you to put up an asset to protect the bank loan. If you default on the loan, the lender will be able to foreclose on the asset and sell it to repay the money owed to the bank.

The Small Business Association is a federal organization that has a variety of programs that can assist small businesses. One of the better SBA loan programs is called the Low Doc program. It is designed to help small businesses borrow up to $100,000. It also offers a simple one page application form and advertises a rapid turnaround time. Speak to your local CPA about SBA loans available to you.

Venture Capitalists are investment professionals that invest primarily in high-growth companies. They usually expect to share in the company's equity and expect to be involved in the management of the business.

Use Employer's Annual Federal Unemployment Tax Return Form 940. Use IRS E-file to file and EFTPS to pay. Go to IRS.gov to E-file and www.eftps.gov or call 1-800-555-4477 to call for EFTPS The Federal Unemployment Tax (FUTA)is reported and filed separately from the Employer's Quarterly Federal Tax Return Form 941.

The Federal Unemployment Tax (FUTA)is reported and filed separately from the Employer's Quarterly Federal Tax Return Form 941. Use the Employer's Annual Federal Unemployment Tax Return Form 940.

Yes. There are different penalty and interest calculations incurred for not filing timely, not paying and not paying timely, or when a balance due exists. You will want to avoid the failure to file by the due date when a balance due exists penalty. Therefore, file the tax return by the due date and pay whatever you can at that point in time to minimize your total penalty and interest calculations.

Federal and state laws prohibit prospective employers from asking certain questions that are not related to the job they are hiring for. Questions should be job-related and not used to find out personal information. In general, employers should not be asking about your race, gender, religion, marital status, age, disabilities, ethnic background, country of origin, sexual preferences or age. Some questions you should not ask during an interview are: Do you have any disabilities?, How old are you?, What is your religious affiliation?, What is your ethnic background?, Are you married?, Do you have children?, or What is your sexual orientation?.