Business Loans, Business Plan, Business Info, Business Opportunity

U.S. Department of States, Diplomacy in Action!
Websites of U.S. Embassies, Consulates, and
Diplomatic Missions WORLDWIDE. LEARN MORE HERE...

BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM

U.S. Department of State Official Home Page ...
National, International. Daily Press Briefing; Press
Releases; Foreign Press Centers... The United States
Department of State, often referred to as the State
Department, is the Cabinet-level foreign affairs agency
of the United States government, similar to foreign
ministries, foreign offices, ministries of external
relations, etc. in other countries. It is administered by
the Secretary of State,

U.S. State Department Travel Information center. Travel
Documents, Resources, Emergency Information...

U.S. Passport Information Center... Department of State’
s Bureau of Consular Affairs, the Passport Services
serves U.S. citizens intending international travel
through passport issuance and protects the integrity of
the U.S. passport as proof of U.S. citizenship at home
and around the world.

U.S Citizenship and Immigration Services - Case Status
Service Online. Finding the Status of Your Case If you
have an application receipt number, you can check the
status of your case online...

United States Citizenship and Immigration Services..
{USCIS}. United States Citizenship and Immigration
Services (USCIS) is a bureau of the United States
Department of Homeland Security (DHS

Government Benefits, Grants, and Financial Aid..
Need government help? Get official information on
grants, loans, financial aid, and other benefits from the
U.S. government

Government Grants Offer New Feature to Help Users
Find and Apply for Recovery Related Grants

How to Buy Government Surplus at auction?.. A Small
Business Guide to Government Auctions and Sales

Search for Loans, Grants & Financing...

..Unite States Federal Court System...

..U.S. Library of Congress...

..ABOUT THE WHITE HOUSE?
The White House is one of the world's most famous
buildings. Learn more...

..FEDERAL CITIZEN INFORMATION CENTER. // FEDERAL
PROGRAMS TO KNOW ABOUT...

.DEPARTMENT OF REVENUE IN ALL 50 STATES: Business
Resources Listed By State. Accounting and Accountants,
Business News, Consumer Protection, Banking,
Investing, Marketing, Small Business.

..Department of Motor Vehicles In All 50 States: Make a
driver license, renew a license, make an ID Card etc...

..Find your state's Motor Vehicle Department:
All 50 states and Washington, DC have web sites with
motor vehicle information for consumers. ..M

..All 50 States’ and D.C.’s Home Pages and Workers’
Compensation Agencies...

..BUSINESS NAME, TRADEMARK REGISTRATION, FORM A
CORPORATION.
Register your business, a trademark Incorporate your
business in any state in the United States...

..UNITED STETES PETENT AND TRADEMARK OFFICE:..
USPTO Takes Another Step Closer to Full Electronic
Patent Application Processing

Programs and services to help you start, grow and
succeed with the help of -SBA- SMALL BUSINESS
ADMINISTRATION, State of Florida...

BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM

..The Twelve Federal Reserve Districts ... LEARN MORE ABOUT
THEM...

..FDIC: FEDERAL INSURANCE CORPORATION, LEARN MORE
ABOUT THIS GREAT INSTITUTION...

..Board of Governors of the feral Reserve System. ...WHAT
THEY DO?

I nfluences money and credit conditions in the U.S., supervises
and regulates banking, maintains the stability of the financial
system, and provides certain ...

Securities and Exchange Commission (SEC)
U.S. Securities and Exchange Commission: official Federal
Agency website, including news, legal and other releases and
reports, investor education material, and the
..US Department of the Treasury. Learn More...

..UNITED STATES Treasury Securities & Programs... This is
where you can invest your money with US Government.
Treasury Direct Investment Programs...

U.S. Treasury securities are a great way to invest and save for
the future. Here, you'll find overviews regarding U.S. Treasury
bonds, notes, bills, and TIPS....

Top 6 Biggest U.S. Government Financial Bailouts In History!
The passage into U.S. law on October 3, 2008, of the $700
billion financial-sector rescue plan is the latest in the long
history of U.S. government bailouts that go back to the Panic of
1792,
when the federal government bailed out the 13 United States,
which were over-burdened by their debt from the Revolutionary
War

Internal Revenue Service [IRS] Tax Information For
Businesses....

IRS: Tax Information for Individuals...

IRS: Tax Information for Tax Professionals...

IRS: How to Contact the IRS... KNOWLEDGEFINANCIAL.COM

IRS: Frequently Asked Tax Questions and Answers. You Have
Questions, IRS Has the ANSWERS???

United States Department of Commerce...

..UNITED STATES DEPARTMENT OF THE TREASURY... ..

.DEPARTMENT OF REVENUE IN ALL 50 STATES: Business
Resources Listed By State. Accounting and Accountants,
Business News, Consumer Protection, Banking, Investing,
Marketing, Small Business.

..Department of Motor Vehicles In All 50 States: Make a driver
license, renew a license, make an ID Card etc...

..Find your state's Motor Vehicle Department:
All 50 states and Washington, DC have web sites with motor
vehicle information for consumers. ..M

..All 50 States’ and D.C.’s Home Pages and Workers’
Compensation Agencies...

..BUSINESS NAME, TRADEMARK REGISTRATION, FORM A
CORPORATION.
Register your business, a trademark Incorporate your
business in any state in the United States...

.DEPARTMENT OF REVENUE IN ALL 50 STATES: Business
Resources Listed By State. Accounting and Accountants,
Business News, Consumer Protection, Banking, Investing,
Marketing, Small Business.

.FRANCHISE: Buying a Franchise: A Consumer Guide... The
Benefits and Responsibilities of Franchise Ownership.

..How to Register Your
Business with the
Secretary of State...

The paperwork that has to be done
when starting a business can seem
endless. Some of the most
important forms you will fill out for
your new business are the forms
that make your business legitimate
to the state in which you are
operating. Registering your
business with the Secretary of State
is usually a smooth process that
requires several forms to be filled
out in a timely manner.

Step 1-Determine whether you need
to register your business with the
Secretary of State where your
business is located. Corporations,
limited liability companies and
limited liability partnerships are
required to register business with
the Secretary of State. You must
also register your business if you
want to register your business
name, a trademark or service mark.

Step 2-Use the Internet or call to find
out the details of how to register
with the Secretary of State in your
state. Most states have websites
that outline exactly what you need to
do to register your business in your
state.

Step 3-Step 3Check to see if the
forms you need to complete in order
to register your business are
located online. If you do not find
them online, request them from your
Secretary of State's office.
Step 4
Fill out the appropriate forms that
are required by your state to
register your business. Depending
on what type of business you are
registering you will have different
forms that you have to file.

Step 5
Include any fees that you need to
pay in order to register your
business with the Secretary of
State. Most Secretary of State
offices will charge a fee to process
your forms.
Step 6
Send in your forms and payment for
your fees in a timely manner. The
quicker you get the forms and
payment into the Secretary of State,
the quicker they can process them.
Then, you can take that next step in
getting your business operational.

..PUBLIC RECORDS SEARCH: About the National
Archives...

Instantly Gain Access to Every Government Records
Available Online ...

...Government Records that are Available To You

.. U.S. Financial Services: A
Guide to complying with laws
and regulations that apply to
financial services
businesses and the financial
services industry....

.. U.S. Consumer Goods and
Services: A Guide to
complying with laws and
regulations that apply to
consumer goods and
services businesses and the
consumer goods and
services industry...

.. U.S. Online Business:
Setting up your business on
the Internet can be a
lucrative way to attract
customers, expand your
market and increase sales...

.. U.S. Small Business Loans
& Grants Federal, state and
local governments offer a
wide range of financing
programs to help small
business start and grow their
operations. These programs
include low-interest loans,
venture capital, and
scientific and economic
development grants

About Government Grants;
Find out more and Apply...

.. How to Buy Government
Surplus At Auction?
A Small Business Guide to
Government Auctions and
Sales

.. Guide to Choosing a
Business Structure
The U.S. Small Business
Administration provides this
clear and concise guide
covering the most popular
business structures. ...

.. Tax requirements. Tax
Information - Business
Structures
The Internal Revenue
Services provides
information on the tax
implications of the most
common business structures.

.. Write a Business Plan A
well-written business plan is
essential to starting and
running a business.
Business plans are required
when applying for business
loans or seeking investors. A
good business plan
describes in deal a business'
mission and goals, and how
these goals will be achieved.
The following resources will
help you develop a sound
business plan.

Business Insurance: Running
a small business involves a
significant investment.
Business insurance protects
your investment by
minimizing financial risks
associated with unexpected
events

..BUSINESS NAME, TRADEMARK
REGISTRATION, FORM A CORPORATION.
Register your business, a
trademark Incorporate your
business in any state in the United
States...

..UNITED ST A TES PA TENT AND
TRADEMARK OFFICE:.. USP TO Takes
Another Step Closer to Full Electronic
Patent Application Processing

Programs and services to help you
start, grow and succeed with the
help of -SBA- SMALL BUSINESS
ADMINISTRATION, State of Florida...

Internal Revenue Service [IRS] Tax
Information For Businesses....

IRS: Tax Information for Individuals...

IRS: Tax Information for Tax
Professionals...

IRS: How to Contact the IRS...
KNOWLEDGEFINANCIAL.COM

IRS: Frequently Asked Tax
Questions and Answers. You Have
Questions, IRS Has the
ANSWERS???

United States Department of
Commerce...

..UNITED STATES DEPARTMENT OF
THE TREASURY... ..

.DEPARTMENT OF REVENUE IN ALL 50
STATES: Business Resources Listed
By State. Accounting and
Accountants, Business News,
Consumer Protection, Banking,
Investing, Marketing, Small Business.
... U.S. Health Care Guide: A
to complying with laws and
regulations that apply to
health care businesses and
the health care industry. ..

.. U.S. Housing & Real Estate:
A Guide to complying with
laws and regulations that
apply to the housing and real
estate industry.

.. Business Incorporation, Register your
business with any state:
When beginning a business, you must
decide what form of business entity to
establish. Your form of business determines
the amount of regulatory paperwork you
have to file, your personal liability
regarding investments into your business,
and the taxes you have to pay

Sole Proprietorship - A business owned and
managed by one individual who is
personally liable for all business debts and
obligations.
Partnership - Two or more people share
ownership of a single business.
Corporation - A legal entity owned by
shareholders.

S Corporation - A special type of
corporation created through a tax election.
An eligible domestic corporation can avoid
double taxation (once to the shareholders
and again to the corporation) by electing to
be treated as an S corporation.

Limited Liability Company (LLC) - A
relatively new, hybrid-type of legal structure
that provides the limited liability features of
a corporation and the tax efficiencies and
operational flexibility of a partnership
Non-Profit - An organization engaged in
activities of public or private interest that
are not motivated by making a profit. Some
non-profits are exempt from paying federal
taxes.

Cooperative - A business or organization
owned by and operated for the benefit of
those using its services. Cooperatives are
not a legal structure.

Registering Your Business
If you decided to create a corporation, a
non-profit, a limited liability company or a
partnership (limited, or limited liability), you
will have to register your business and file
certain documents with your state
government. If your business is a sole
proprietorship, you do not need to register
your business with the state.

However, many states require a sole
proprietor to use their own name for the
business name unless they formally file
another name as a trade name, or a
fictitious name.

Choose a state to find out about specific
filing requirements in the state where your
business will be formed.

Steps to Registering a
Business
Whether you are starting a
new business or expanding
and existing business, you
will need to follow some
basic steps to ensure you
have all the necessary
licenses, permits and
registrations needed to
legally operate. REGISTER
YOUR BUSINESS NOW IN ANY
STATE OF THE UNION.

State Insurance Departments for all 50 States
ALABAMA DEPARTMENT of INSURANCE
135 South Union Street #200
Montgomery, Alabama 36130
(334) 269-3550

Minimum Limits 20/40/10
ALASKA DIVISION of INSURANCE
333 Willoughby Ave 9th Floor
Juneau, Alaska 99811-0805
(907) 465-2515
(907) 465-3422         (Fax)

Minimum Limits 50/100/25
ARIZONA DEPARTMENT of INSURANCE
2910 North 44th Street #210
Phoenix, Arizona 85018
(800) 325-2548         (In State)
(602) 912-8444

Minimum Limits 15/30/10
ARKANSAS DEPARTMENT of INSURANCE
1200 West 3rd Street
Little Rock, Arkansas 72201-1904
(501) 371-2600

Minimum Limits 25/50/15
CALIFORNIA DEPT. of INSURANCE
300 Capital Mall # 1500
Sacramento, California 95814
(800) 927-HELP (In State)
(213) 897-8921

Minimum Limits 15/30/5
COLORADO DIVISION of INSURANCE
1560 Broadway # 850
Denver, Colorado 80202
(303) 894-7499

Minimum Limits 25/50/15
CONNECTICUT DEPT. of INSURANCE
P.O. Box 816
Hartford, Connecticut 06142-08156
(860) 297-3802

Minimum Limits 20/40/10
DELAWARE DEPT. of INSURANCE
710 North King Street
Wilmington, Delaware 19801
(302) 577-3119

Minimum Limits 15/30/10
DISTRICT OF COLUMBIA DEPT. of INSURANCE
441 Fourth Street NW 8th Floor
Washington D.C. 20001
(202) 727-8000

Minimum Limits 25/50/10
FLORIDA DEPARTMENT of INSURANCE
200 East Gaines St., Larson Building
Tallahassee, FL 32399
Toll-free in state:                (800) 342-2726
(850) 922-3100

Minimum Limits 10/20/10
GEORGIA INS. FIRE SAFETY COMM.
2 Martin L. King Jr. Drive (704 West Tower)
Atlanta, Georgia 30334
(404) 656-2056

Minimum Limits 25/50/25
HAWAII INSURANCE COMMISSIONER
250 South King Street 5th Floor
Honolulu, Hawaii 96813
(808) 586-2790

Minimum Limits 15/35/10
IDAHO DEPARTMENT of INSURANCE
700 West State Street 3rd Floor
Boise, Idaho 83720-0043
(208) 334-4250

Minimum Limits 25/50/15
ILLINOIS DEPARTMENT of INSURANCE
320 West Washington Street 4th Floor
Springfield, Illinois 62767-0001
(217) 782-4515

Minimum Limits 20/40/15
INDIANA DEPARTMENT of INSURANCE
311 West Washington Street # 300
Indianapolis, Indiana 46204-2787
(317) 232-2385

Minimum Limits 25/50/10
IOWA INSURANCE DIVISION
Lucas Bldg. 6th Floor
Des Moines, Iowa 50319
(515) 281-5705

Minimum Limits 20/40/15
KANSAS INSURANCE DEPARTMENT
420 S/W Ninth Street
Topeka, Kansas 66612-1678
(800) 432-2484         (In State)
(785) 296-3071
(785) 296-2283         (Fax)

Minimum Limits 25/50/10
KENTUCKY DEPARTMENT of INSURANCE
215 West Main Street
Frankfort, Kentucky 40601
(800) 595-6053         (In State)
(502) 564-3630
(502) 564-1650         (Fax)

Minimum Limits 25/50/10
LOUISIANA DEPARTMENT of INSURANCE
950 North Fifth Street
Baton Rouge, Louisiana 70804-9214
(800) 259-5300         (In State)
(800) 259-5301         (In State)
(504) 342-5900

Minimum Limits 10/20/10
MAINE BUREAU of INSURANCE
34 State House Station
Augusta, Maine 04333
(207) 624-8475
(207) 624-8599         (Fax)

Minimum Limits 20/40/10
MARYLAND INSURANCE ADMINISTRATION
501 St.Paul Place 7th Floor
South Baltimore, Maryland 21202-2272
(410) 333-2521
(410) 333-6650         (Fax)

Minimum Limits 20/40/10
MASSACHUSETTS DIVISION of INSURANCE
470 Atlantic Avenue 6th Floor
Boston, Massachusetts 02210-2223
(617) 521-7794
(617) 521-7772

Minimum Limits 20/40/8
MICHIGAN INSURANCE BUREAU
611 West Ottawa Street 2nd Floor North
Lansing, Michigan 48933
(517) 335-4978

Minimum Limits 20/40/10
MINNESOTA DIVISION of INSURANCE
133 East Seventh Street
St. Paul, Minnesota 55101
(612) 296-6848
(612) 296-4328         (Fax)

Minimum Limits 30/60/10
MISSISSIPPI INSURANCE DEPARTMENT
1804 Walter Sillers Bldg.
Jackson, Mississippi 39201
(800) 562-2957         (In State)
(601) 359-3569
(601) 359-2474         (Fax)

Minimum Limits 10/20/5
MISSOURI DEPARTMENT of INSURANCE
P.O. Box 690
Jefferson City, Missouri 65102-0690
(800) 726-7390         (In State)
(573) 751-2640

Minimum Limits 25/50/10
MONTANA DEPARTMENT of INSURANCE
126 North Sanders Rm. 270
Helena, Montana 59620
(406) 444-2040
(406) 444-3497         (Fax)

Minimum Limits 25/50/10
NEBRASKA DEPARTMENT of INSURANCE
941 'O' Street # 400
Lincoln, Nebraska 68508-3690
(800) 833-0920         (In State)
(402) 471-2201
Minimum Limits 25/50/25

NEVADA DEPARTMENT of INSURANCE
1665 Hot Springs Road #152
Carson City, Nevada 89710
(702) 687-7650
(702) 687-7651
(702) 687-3937         (Fax)

Minimum Limits 15/30/10
NEW HAMPSHIRE INSURANCE DEPT.
169 Manchester Street #1
Concord, New Hampshire 03301-5151
(603) 271-2261
Minimum Limits 25/50/25

NEW JERSEY DEPT. of BANKING
INSURANCE
20 West State Street
Trenton, New Jersey 08625
(609) 292-5363
(609) 984-5273         (Fax)

Minimum Limits 15/30/5
NEW MEXICO INSURANCE DIVISION
P.O. Drawer 1269
Santa Fe, New Mexico 87504-1269
(505) 827-4601
(505) 827-4734         (Fax)
Minimum Limits 25/50/10

NEW YORK DEPT. of INSURANCE
Empire State Plaza, Agency
Bldg. # 1
Albany, New York 12257
(800) 342-3736         (In State)
(518) 474-6600
Minimum Limits 25/50/10

(50/100 for death)
NORTH CAROLINA DEPT. of
INSURANCE
P.O. Box 26387
Raleigh, North Carolina 27611
(800) 546-5664         (In State)
(919) 733-7343
Minimum Limits 30/60/25

NORTH DAKOTA DEPT. of INSURANCE
600 East Blvd.
Bismarck, North Dakota 58505-0320
(701) 328-2440
(701) 327-4880         (Fax)

Minimum Limits 25/50/25
OHIO DEPARTMENT of INSURANCE
2100 Stella Court
Columbus, Ohio 43215-1067
(614) 644-2658
(614) 644-3743
Minimum Limits 12.5/25/7.5

OKLAHOMA DEPT. of INSURANCE
2401 NW 23rd Street, Suite 28
Oklahoma City, Oklahoma 73107
(405) 521-2828
(405) 521-6635         (Fax)

Minimum Limits 10/20/10
OREGON DEPT. of COMMERCE &
BUSINESS INS. DIV.
350 Winter Street N.E. Room 200
Salem, Oregon 97310-0200
(503) 947-7980
(503) 378-4351
Minimum Limits 25/50/10

PENNSYLVANIA DEPT. of INSURANCE
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
(717) 787-2317
(717) 783-8585         (Fax)

Minimum Limits 15/30/5
RHODE ISLAND INSURANCE
DEPARTMENT
233 Richmond Street #233
Providence, Rhode Island 02903-4233
(401) 222-2223
(401) 751-4887

Minimum Limits 25/50/25
SOUTH CAROLINA DEPT. of
INSURANCE
P.O. Box 100105
Columbia, South Carolina 29202-3105
(803) 737-6150
(803) 737-6231         (Fax)

Minimum Limits 15/30/5
SOUTH DAKOTA INSURANCE DIVISION
118 West Capital
Pierre, South Dakota 57501
(605) 773-3563
(605) 773-5369         (Fax)

Minimum Limits 25/50/25
TENNESSEE DEPT. OF COMMERCE&
INSURANCE
500 James Robertson Pkwy.
Nashville, Tennessee 37243-0565
(615) 741-2176
(615) 741-4000         (Fax)

Minimum Limits 20/50/10
TEXAS DEPARTMENT of INSURANCE
P.O. Box 149104
Austin, Texas 78714-9104
(512) 463-6464
(512) 475-2005         (Fax)

Minimum Limits 20/40/15
UTAH INSURANCE DEPARTMENT
3110 State Office Bldg.
Salt Lake City, Utah 84114
(800) 439-3805         (In State)
(801) 538-3800
(801) 538-3829         (Fax)

Minimum Limits 25/50/15
VERMONT INSURANCE DIVISION
89 Main Street - Drawer 20
Montpelier, Vermont 05620-3101
(802) 828-3301
(802) 828-3306

Minimum Limits 20/40/10
VIRGINIA BUREAU of INSURANCE
P.O. Box 1157
Richmond, Virginia 23218
(800) 552-7945         (In State)
(804) 371-9741
(804) 371-9873         (Fax)

Minimum Limits 25/50/20
WASHINGTON INSURANCE
COMMISSION
P.O. Box 40255
Olympia, Washington 98504-0255
(800) 562-6900         (In State)
(360) 753-7301
(360) 586-3535         (Fax)

Minimum Limits 25/50/10
WEST VIRGINIA INSURANCE DEPT.
P. O. Box 50540
Charleston, West Virginia 25305-0540
(304) 558-3354
(304) 558-0412         (Fax)

Minimum Limits 20/40/10
WISCONSIN INSURANCE
COMMISSION
121 East Wilson Street
Madison, Wisconsin 53702
(800) 236-8517         (In State)
(800) 236-8575         (In State)
(608) 266-3585
(608) 266-9935         (Fax)

Minimum Limits 25/50/10
WYOMING INSURANCE DEPT.
122 West 25th Street, 3rd Floor East
Cheyenne, Wyoming 82002-0440
(307) 777-7401
Minimum Limits 25/50/20

..State Business Entity Registration..

State Licenses and Permits
Many types of businesses need to
obtain some type of business or
professional/occupational license or
permit from a state government.
Choose a state to find out about
specific license and permit
requirements in the state where your
business is located.

State Insurance Departments for all 50 States

Insurance 101 - The Basics of Auto Insurance Coverage
Below is a brief description of general policy language, it's meaning and an
explanation of the coverage. Insurance coverages and laws vary from state to
state. This information is not meant to be all encompassing. For specific coverage
information in your state, contact your local licensed insurance agent or contact
your state insurance department

All 50 States’ and D.C.’s Home
Pages
Workers’ Compensation Agencies..

United States and D.C.
U.S. Department of Labor..

Whether you are looking for free insurance quotes including auto
insurance quotes, life insurance quotes or health insurance
quotes, business or home insurance quotes or general financial
services quotes and related online insurance information. Your
one-stop destination for a variety of insurance quotes.

Finding a local insurance provider that will supply you with the
type of insurance you need is easy: Just select one of our
insurance product categories and you're on your way!

Free Insurance Quotes: Auto, Business, Health, Home and Life

Compare Insurance Quotes. Compare and Shop For:
Car Insurance, Business Insurance, Health Insurance, Home
Insurance and Life Insurance.

Free Insurance Quotes: Auto, Business, Health,
Home and Life

Compare Insurance Quotes. Compare and Shop For:
Car Insurance, Business Insurance, Health
Insurance, Home Insurance and Life Insurance.

Annuities − Income Potential to Last a
Lifetime
Are you worried about outliving your
income?
That’s a risk that you can do something
about. When you invest in an annuity, you
set the stage to receive income in the
future.

How do annuities work? An annuity is an
insurance contract designed to protect you
from the risk of outliving your income.
Through annuitization, your purchase
payments (what you contribute) are
converted into periodic payments that can
last for life.

Annuities are flexible so you can choose
one that enables you to:
Invest a lump sum or invest over a period of
time

Start receiving payments immediately or at
some later date
Select a fixed or variable rate of return

What type of annuity could fit into your
investment plan? Immediate annuities – To
start receiving income right away

Deferred annuities – To start receiving
income later
Read this important information Before
deciding on an annuity,
you should consider your income needs,
risk tolerance and investment objectives.
Your investment professional can help you
decide if annuities are a suitable
investment and can help you with your
investments goals.

Working With an Investment Professional

No matter what your financial goal − buying
a home, planning for retirement, saving for
college − an investment professional can
help.

What you should expect
A qualified investment professional will use
their expertise and experience to:

Understand your goals
Help you select investments that fit your
needs.
Analyze how changing economic and
personal situations may affect you
Give you timely financial information

..State Business Entity Registration..

State Licenses and Permits
Many types of businesses need to obtain some type
of business or professional/occupational license or
permit from a state government. Choose a state to
find out about specific license and permit
requirements in the state where your business is
located.

Steps to Registering a Business.
Whether you are starting a new business or
expanding and existing business, you will need to
follow some basic steps to ensure you have all the
necessary licenses, permits and registrations
needed to legally operate. REGISTER YOUR
BUSINESS NOW IN ANY STATE IN THE UNION...

BUYING, SELLING, LEASING A REAL
STATE PROPERTY IN SOUTH
FLORIDA IS THE AFFAIR OF A
LICENSED REAL ESTATE
PROFESSIONAL.

CALL ANTONY AT:
FOR A COMPLETE REAL ESTATE
SERVICE!

LISTING YOUR PROPERTY FOR SALE
FAST & FOR THE TOP PRICE!

ATTENTION HOME SELLERS:
CALL A REALTOR AT:

LET US HELP YOU SELLING YOUR
PROPERTY.

WITH US: IS MORE ADVERTISEMENT,

MORE EXPOSURE,

MORE SHOWINGS,

MORE OFFERS, AND MORE MONEY FOR
YOUR PROPERTY!

CALL: --- SOUTH FLORIDA

HOMEOWNERS IN FORECLOSURE
Let Us Help You Sell Your Real Estate
Property Now.

CALL ANTHONY The Realtor At:

We Will Buy it From You, or We Will Sell it
For You.

For All Real Estate Services

SOUTH FLORIDA HOMEOWNERS WHO
ARE THINKING ABOUT SELLING

LET US HELP YOU.
CALL US AT: -

YOUR PROPERTY WILL BE MARKETED IN
13 DIFFERENT LANGUAGES
----------
PLEASE CALL Mr. ANTONY A
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SOCIAL SECURITY RETIREMENT GUIDE. HOW
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Florida Department of State, Division of
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is an exciting milestone. You’ll want to ensure that you
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do just that..

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''10 Steps to a Business Plan
A business plan can be an effective tool to help you with tactical and
strategic decision making.

''Financing Your Business :Savings, Credit Cards, Home Equity-
''Patents, Trademarks & Copyright -
''Discovery, invention, creation, manufactured items and chemical
compositions must be patented. "Utility patents," for new inventions
or functional improvements of existing inventions,

''How to record a document? Registrations and Documents
Search' of Restored Copyrights.

''State Licenses and Permits Many types of businesses
need to obtain some type of business or
professional/occupational license or permit from a state
government. Choose a state to find out about specific
license and permit requirements in the state where your
business is located.

''Small Business Administration Loan Application
Checklist..
Once you have decided to apply for a loan guaranteed
by the SBA, you will need to collect the appropriate
documents for your application.

''Search for Business Licenses and Permits
Every business needs one or more federal, state or
local licenses or permits to operate. Licenses can range
from a basic operating license to very specific permits.

''Small Business Loans, Grants & Funding
You have a variety of options when it comes to
financing your small business. In addition to traditional
loans

''Business Law & Regulations--
''Federal Compliance Contacts and Resources---

''Employment & Labor Law
Bringing employees on board to work in your business
is an exciting milestone. You’ll want to ensure that you
are conducting employment processes in accordance to
the laws

"'Business Law & Regulations
As a small business owner, you are subject to the same
regulations as large corporations. Even if you’re
starting out on a small level and planning to grow,

''Federal Business Opportunities
If you are ready to bid on federal contracts, there are a
couple of ways to get started. One is to submit your
business profile to a database that federal agencies use
to locate contractors.

NEGOTIATE YOUR WAY TO A GREAT BUSINESS
DEAL
When it comes to buying a business for sale, the most exciting and anxious moments
can be experienced when the time arrives for you to enter into negotiations and make
an offer. This part of the process completely handcuffs some individuals. There’s really
no need for this to happen. Just like every other aspect to the buying process, your
preparation will determine your level of success.

Keep in mind that this should be an enjoyable and educational part of buying a
business. There is much to be learned during this phase. You must also realize that
negotiations will evolve, and so if you approach it with an open-minded strategy instead
of a “take it or leave it” philosophy, you will ultimately perform much better and produce
a stronger deal.

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT KNOWLEDGEFINANCIAL.COM

The Best Investment You Will Ever Make -----KNOWLEDGEFINANCIAL.COM

When buying a business, you can and should expect to make at least 25%–33% return on your cash
investment. Plus, you will have the opportunity to produce a steady personal cash flow, and you’ll be
building value that will pay you handsomely when the day arrives to sell the business.
Many people wrongly believe that acquiring a business is a risky investment. Personally, I think that
putting your fate in someone else’s hands has a heck of a lot more risk to it. While there is some
inherent risk buying a business, much, if not all, can be eliminated simply by doing your research
beforehand on any business you consider purchasing.

Take the time to properly assess your strengths and weaknesses. Take an honest inventory of
yourself. Your goal is to buy the right business

Determine Your Investment Level

Determine with absolute certainty how much of your own cash you are prepared to invest. Forget any
relatives who may have promised that they’ll "back you". When the time comes to lay down the money,
chances are they won’t be around.

Don’t bother looking at businesses that are unaffordable. Over 90% of small business purchases
involve seller financing. Generally, this is 40%-50% of the purchase price. If you have $150,000 to
invest, don’t look at businesses that will sell for $500,000. It’s OK to dream, but be realistic.

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL PROPERTIES
AT KNOWLEDGEFINANCIAL.COM.

HOW TO BUY A GOOD BUSINESS -----KNOWLEDGEFINANCIAL.COM

You can easily convince yourself that right now is not the time to buy a business. I don’t blame you one bit for thinking
it may be best to wait.

Or, perhaps you are thinking that you should just go about this cautiously, and if the right opportunity comes up, you
will consider it. While caution is always the right approach, nobody has ever been successful sitting on the sidelines.

Don’t get me wrong, today’s market is something you have to be concerned about. Unfortunately, many business
buyers, and especially first-timers, are going to end up buying bad businesses.

But, if you know how to find the good ones, you can put together an incredible deal today because the market is
upside-down and primed for a knowledgeable buyer to steal a great business. -----KNOWLEDGEFINANCIAL.COM --
BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL PROPERTIES AT KNOWLEDGEFINANCIAL.COM

THE BEST GIFT YOU CAN EVER PROVIDE FOR YOURSELF:
IS BUYING, OWNING A BUSINESS IN YOUR OWN.
It’s amazing how we see an immediate increase in our business right after the December holidays and the day
after every long weekend. The former may be many “New Year’s Resolutioners” as I call them, and the latter is
because most people dread the thought of

Your Six Steps To Success. ------KNOWLEDGEFINANCIAL.COM
1-Commit to a deadline for buying a business (not just “looking” for one).
2-Set aside time every day to work on this project.
3-Organize your finances.
4-Work on determining what type of business will thrive from your strengths and not suffer
from your weaknesses.
5-Seek professional advice from a qualified accountant and attorney.
Unless you have a wealth of experience buying businesses, then educate yourself about this
6-process. Learn as much as you can. When it comes to investing in your future, you can never
know too much! ---------KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT KNOWLEDGEFINANCIAL.COM

Structuring The Offer – and Remember, It’s YOUR Offer!

The offer will, in most cases, begin the ball rolling on a potential acquisition. At times, this is the
most effective way to gain insight into the guts of the business. You may also be dismayed to
learn that you may in fact have to make an offer without all of the data that you would like to
have. As an example, you may only gain access to the true financials after an accepted offer
has been put forth.MP ---KNOWLEDGEFINANCIAL.COM

KNOWLEDGEFINANCIAL.COM
The world's richest man, Warren Buffett, says it best. "I will tell
you how to become rich. Close the doors. Be fearful when
others are greedy. Be greedy when others are fearful." In
today's real estate market, naive investors are fearful. Choose
to be greedy. Choose to be rich.

KNOWLEDGEFINANCIAL.COM

While others run from the chaos, savvy investors are doing
what they do best. They're "bargain hunting". They realize that
there's a record number of troubled homeowners who need to
sell fast to avoid foreclosure. And they know that these
homeowners are often willing to sell at big discounts.
KNOWLEDGEFINANCIAL.COM

Business structures 101 ---
KNOWLEDGEFINANCIAL.COM -- BUY AND
SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT
KNOWLEDGEFINANCIAL.COM

LLP, LLC, S-corp and C-corp:
It's not just alphabet soup! A breakdown
of what you need to know, in layman's
terms.

Fortune Small Business) -- What
exactly is an LLP? What's the
difference between an LLC
and a corporation? What
about S-corps and C-corps?
Sorting through the legal jargon and tax
codes defining these business
structures can be daunting for
entrepreneurs - but picking the right
structure for your company brings vital tax
benefits and legal flexibility.

LLC or corporation?

There's virtually no reason why a small
business should file as a corporation,
unless the owners plan to take the
business public in the near future, says
Carter Bishop, a professor at Suffolk
University Law School who helped draft
the uniform LLC and LLP laws for several
states.

Instead, filing as an LLC, or limited
liability company, is usually the best
choice.

The major differences between an LLC
and a corporation include decision-
making flexibility and the type of taxation
the business faces, says Mark Patton, an
attorney with Lewis and Roca in Tucson,
Ariz.

A corporation has to have a board of
directors to make decisions according to
a formal process. The "board" could
technically be one person, but it still
needs to exist. An LLC, on the other hand,
can set up an operating agreement at the
time the business is created, and make
decisions more informally.

Common provisions in operating
agreements include:

• Who can make decisions on behalf of
the LLC? Will all owners manage the
company, or will there be one primary
manager?
• What are the owners' responsibilities to
contribute money to the company?
• When and how will the company income
be shared?
• What procedure is required to transfer
membership interests in the company?

The second major difference is that an
LLC benefits from "pass-through
taxation." Pass-through taxation means
the company pays no tax on its profits: It's
like the company doesn't even exist for
federal tax purposes, Bishop says. In fact,
if the LLC is a sole proprietorship, the
company does not have to file any tax
returns. LLCs with more than one
member must file a federal tax return,
although the LLC itself is not subject to a
tax. Earnings pass through to the owners,
who then report the income on their own
tax returns and pay the tax on their
income.

A corporation, on the other hand, must
pay federal taxes as an entity; its
shareholders are then taxed on any
dividends or distributions they receive
from the company, in effect allowing
some of the company's profits to be taxed
twice.

There is an exception to this rule,
however, for companies that file under
subchapter S of the Internal Revenue
Code. Such companies are commonly
referred to as "S-corp" entities.

S-corp or C-corp? ----
KNOWLEDGEFINANCIAL.COM -- BUY AND
SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT
KNOWLEDGEFINANCIAL.COM

The terms "S-corp" and "C-
corp" are merely shorthand references
for a company's tax status - they're not
distinct business entities.

The major tax difference between the two
is that an S-corp receives pass-through
tax treatment similar to a partnership or
LLC, whereas a C-corp (taxed under
subchapter C) is required to pay tax on its
income as a business entity.

An S-corp's pass-through tax
treatment does not come without some
limits, however. An S-corp can have
only 100 shareholders, each of whom
must be an individual. (Certain types of
trusts are also eligible.) Other
businesses can't be an S-corp
shareholder.

"For tax purposes, a small-business
owner will probably want to choose either
an LLC or an S-corp to obtain pass
through tax treatment and to avoid the
double taxation of a C-corp," Patton says.

The shareholders of a corporation can
obtain subchapter S treatment by filing
Form 2553 with the IRS within 75 days of
starting operations. If this form is not
filed, the corporation is taxed under
subchapter C by default.

So then, what's the difference between an
LLC and S-corp?

The members of an LLC can agree to
share a company's income and absorb
its losses disproportionately, whereas S-
corp shareholders must share in the
company's income in direct proportion to
the number of shares they hold.

Even if an S-corp is small and private, it's
still subject to corporate formalities. The
company will need to hold an annual
meeting and file formal reports to its
shareholders documenting its decision-
making processes on significant
corporate matters. An LLC does not need
such documentation.

"Between an LLC and an S-corp," Patton
says, "the LLC is again the more flexible
of the two and can accommodate most
business arrangements."

He recommends, however, that small-
business owners consult their advisors
to determine whether there are additional
tax benefits of an S-corp in their specific
situation that might justify incurring the
structure's limitations.

Okay, now what about partnerships?

In addition to an LLC or a corporation,
there are two types of partnerships a
small business may want to consider: A
general partnership and a
limited partnership.

The first requirement of any partnership
is obvious: there must be more than one
owner, or "partners" (hence the name). If
you're a sole proprietor, opt for an LLC
instead.

Partnerships, Bishop says, are typically
formed by professionals such as
lawyers, architects, accountants and
doctors. In some states, such firms are
precluded from operating as LLCs; in
others, where general partnerships and
longstanding law firms predated LLC
laws, many organizations opt to retain
their existing status. ----
KNOWLEDGEFINANCIAL.COM -- BUY AND
SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT
KNOWLEDGEFINANCIAL.COM

Common Limited Liability Company (LLC) Questions
Getting Started With Questions and Answers..

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL
PROPERTIES AT KNOWLEDGEFINANCIAL.COM

PART- 1
1-How long does it take to get a LLC entity set up in Florida?
2-How do I begin the process of incorporating my business?
3-How do I go about naming the LLC?
4-What Else Do I Need And Why?
5-What is a business license or occupational license and where do I get one?
6-What is a fictitious name or DBA (Doing Business As) and why would I need one?
7-What is a Registered Agent and is one needed?
8-What is an EIN and why do I need one?
9-What are certificates of ownership and why would I need them for my LLC?
8-What is a Certificate of Status and why would I need one?
9-How do I get a resale certificate or a Florida Tax ID number from the Florida Department of Revenue?

--------------------------------------------------------------------------------

How long does it take to get an LLC entity set up in Florida?
Depending how quickly the state processes the filings, it will take between two and five business days to set up
your LLC entity.

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL PROPERTIES
AT KNOWLEDGEFINANCIAL.COM

How do I begin the process of incorporating my business?
Articles of Organization must be filed with the State of Florida, together with the required fees.

How do I go about naming the LLC?
The name of your LLC must comply with requirements of the Florida Department of State. Florida Incorporation
Service will perform a preliminary name check for you at no additional charge.

The name of your LLC must comply with requirements of the Florida Department of State. We will perform a
preliminary name check for you at no additional charge as you form your company to help make sure you meet the
following requirements.

As a minimum, keep these points in mind as you select a company name:

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL PROPERTIES
AT KNOWLEDGEFINANCIAL.COM

The name cannot be the same as another corporation or LLC on file with the State of Florida.
The name should not be confusingly similar to that of an existing corporation or LLC, i.e., the name should be
distinguishable.
Adding "The", "and". "&", or any punctuation or pluralization,
will not make it unique according to the state. Adding "of Florida" or a
name of a city is also rejected by the State.
Using works like Services, Group, Management, Enterprise,
Associates, International, Property, Properties, Holdings, Marketing,
Investments and the like are well used put you at risk for reject.
May not contain language implying that the Florida Corporation
is connected with a government agency or that the corporation is
chartered under United States law.
You can look up your company name to see if it is available at
the Florida Department of State website.

For an LLC, please select a designator for the last part of the name (use either "LLC" or "Limited Liability
Company") to identify your company as an LLC.

The name you select may not contain language implying that your company is connected with a government
agency or that it is chartered under United States law.

Important Liability Issue for LLCs:
You should make a point of using the correct name of your company, including the "LLC" or "Limited Liability
Company" designation at the end of the name, as you conduct your business. Once you form your LLC, keep in
mind that omission of the designation in the use of the name shall render any person who knowingly participates
in the omission, or knowingly acquiesces in the omission, liable for any indebtedness, damage, or liability
caused by the omission (Florida Statutes, Chapter 608.406).

You can look up your company name to see if it is available at the Florida Department of State website.

KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES, COMMERCIAL PROPERTIES
AT KNOWLEDGEFINANCIAL.COM

What is a business license or occupational license and where do I get one?
A business or occupational license is issued yearly by the county government. Most but not all counties in
Florida require that you register your new business with them.
The costs depends on the county, the type of business and your company's impact on the county itself.
Please contact your local county once you have all your corporation documents to find out where you will need to
go to get this license.

What is a fictitious name or DBA (Doing Business As) and why would I need one?
A fictitious name or DBA (Doing Business As) or Trade Name is a name you can register with the Florida
Department of State so that you may transact business as another name besides your company name.
You do not need to file for a fictitious name if you will be conducting business with your company name. You will
only need to file for a fictitious name if you will be conducting business as a DIFFERENT name then your LLC name
For example, you can have a company name ABC, LLC then register a fictitious name Ray's Pizza and then do
business as Ray's Pizza in advertising, letterhead, internet names and the like. So the company name remains
the same and you will be able to transact business with this fictitious name.
There are no holds on a fictitious name as it is a "nickname" or trade name of the company. So other companies
can have the same fictitious name.

What is a Registered Agent and is one needed?
Florida requires that an individual, or service company, be responsible for receiving important legal and tax
documents.

This service is provided by an "agent" of the LLC who is "registered" within Florida, thus the term "Registered
Agent."

The registered agent for the LLC must have a valid street address within Florida and be available during normal
business hours to receive documents. The services performed by a registered agent may include:

Receiving and forwarding legal documents;
Receiving and forwarding franchise tax and annual report forms; and,
Accepting and forwarding service of process.
A Registered Agent must be an adult, residing within Florida and provide a physical address, (no P.O. boxes).

Florida Incorporation Service offers the Registered Agent Service as an additional item, à la carte, if you would
like someone other than yourself to be your Registered Agent.

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What is an EIN and why do I need one?
An Employer Identification Number (EIN), also known as a federal tax identification number, is a nine-digit number
that the IRS assigns to business entities.

This number is used to identify a business entity and to identify taxpayers that are required to file various
business tax returns.
A business will need to apply for a new EIN if the business is sold or is otherwise transferred.
You will need an EIN if you have employees in your new business.
Banks may require an EIN to open an account for most LLC.

What are certificates of ownership and why would I need them for my LLC?
A Certificate of ownership is a printed document used to indicate the percentage ownership in the LLC.

Please note: If you are applying for Workman's Compensation Exemption, you will need to supply a certificate of
ownership to them with your application of exemption.

Florida Incorporation Service offers these in our a la carte as an additional item. There are 10 custom-printed
certificates which may be issued at the discretion of the LLC members.

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What is a certificate of status and why would I need one?
A Certificate of Status is issued by the Florida Department of State to show that your company is active and has
paid the initial filing fees or annual report after the first year.

Some banks and governmental agencies require this certificate as verification that the company is an active
Florida company.

If you choose this certificate as part of your package, it is issued electronically by the Florida Department of State
and will be emailed to you with your articles.

How do I get a resale certificate or a Florida Tax ID number from the Florida Department of Revenue?
Please visit the Florida Department of Revenue website or call them at 1-800-352-3671.
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TOWN-HOMES, COMMERCIAL PROPERTIES AT
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PART- 2 ---- KNOWLEDGEFINANCIAL.COM -- BUY AND SALE HOMES, CONDOS, TOWN-HOMES,
COMMERCIAL PROPERTIES AT KNOWLEDGEFINANCIAL.COM

1-LLC Structure Questions And Answers

2-What is a Limited Liability Company (LLC)?
3-What are some of the benefits/advantages and disadvantages of forming an LLC?
4-What is the difference between a Member Manager and an External Manager?
5-Where can I find definitions for commonly associated LLC terms?
6-Things To Know About LLC's
7-What is an Operating Agreement?
8-What are articles of organization?
9-How is an LLC classified for Federal tax purposes?
10-How is an LLC classified for Florida state tax purposes?
11-Do I need an attorney or CPA to form an LLC?
12-What are the business activities I can choose for my LLC?
13-What are the different types of employees?
14-What is the difference between a principal address and a mailing address for an LLC?
15-Can I change the principal and mailing address of my corporation after I have filed?

1- What is a Limited Liability Company (LLC)?
In the early 1980s Florida became the second state to authorize the formation of limited liability companies
("LLCs"). Now more than 100,000 LLCs are formed in Florida annually.

One or more persons may form an LLC. A single-member LLC is allowed in Florida.

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What are some of the benefits/advantages and disadvantages of forming an LLC?
The primary reason for forming a limited liability company is to limit the liability of the owners.
Interests in LLCs, in addition, are protected from the claims of creditors of their members.
Organizational changes related to the LLC can generally be made in the operating agreement alone (without
amending the articles of organization).

Managers and managing members are also protected from personal liability regarding claims pertaining to
the exercise of their management authority except for more egregious conduct (criminal or reckless acts,
deriving improper personal benefits, voting for unlawful distributions, etc.).

Changes to Florida's corporate income tax laws in the 1990s effectively eliminated the corporate tax for
LLCs.
Generally, an LLC with multiple members is treated for Florida income tax purposes as a partnership
(nontaxable entities that act as conduits for transferring income and loss directly to the individual partners)
and a single-member LLC is "disregarded" as a separate entity for tax purpose, the same way it is
disregarded for federal tax purposes. Thus, most LLCs are not subject to Florida's corporate income tax.

LLCs are similar to S corporations for federal tax purposes and do not pay tax themselves, but pass their
income through to their shareholders.
Selected benefits over a corporation:
Flexibility: One of the benefits of an LLC over a corporation is the great latitude provided in the drafting of
the operating agreement and the flexibility that is possible on such issues as members' contribution
obligations, member and management voting powers, profit and loss allocations, governance structure,
members' distribution rights, etc. Amendments may be made to the operating agreement as needed.

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A corporation requires that specific formalities be completed on a regular basis, including annual meetings
of shareholders and directors each year, meeting minutes which are kept with the corporation's records,
etc. It is a good business practice to document major decisions regardless of the structure of your
business; however these formalities are not required for LLCs.
The interest a member owns in an LLC can be protected from creditors while the stock a person has in a
corporation may be seized and sold by creditors.

LLCs can make special allocations of profits and losses among members; S corporations cannot. S
corporations have one class of ownership with profits and losses allocated according to the percentage of
ownership.
LLC Disadvantages
The main disadvantage of the LLC as compared with an S corporation has to do with the tax treatment for
profits that are taken out of the business. If yours is a smaller company, you may want to consider the LLC
carefully as the disadvantage primarily affects smaller companies. KNOWLEDGEFINANCIAL.COM

Here's the situation: With an S corporation, profits taken out of the business (other than salary) are not
subject to social security and Medicare taxes (which together amount to 15.3% in 2004)*.

Consider this: In larger companies, where company owners take out salaries of $85,000 or more, plus
profits, this situation would not have much of an impact; however, in smaller companies where the owners
take out more modest salaries (and then take profits out of the business when available), all the profit taken
out of the LLC would be subject to social security and Medicare taxes, where in the S corporation it would
not. The result: For a small business where the owner paid themselves a $35,000 salary and took and
additional $40,000 in profit out of the business, the extra taxes on the $40,000 would be over $6,000.

* The maximum amount subject to the social security portion for tax years beginning in 2004 has increased
to $87,900. All net earnings of at least $400 are subject to the Medicare portion.

Additional LLC Information
A limited liability company may be organized for any lawful purpose, and remains subject to statutes and
regulations of the laws of the State of Florida for regulating and controlling its business.

Unless its articles of organization or operating agreement provide otherwise, each limited liability company
organized and existing under Florida law shall have the same powers as an individual to do all things
necessary to carry out its business and affairs, including, without limitation, the power to:

Sue and be sued, and defend, in its name.
Purchase, receive, lease, or otherwise acquire, own, hold, improve, use, and otherwise deal with real or
personal property, or any legal or equitable interest in property, wherever located.
Sell, convey, mortgage, grant a security interest in, lease, exchange, and otherwise encumber or dispose
of all or any part of its property.

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Purchase, receive, subscribe for, or otherwise acquire, own, hold, vote, use, sell, mortgage, lend, grant a
security interest in, or otherwise dispose of and deal in and with, shares or other interests in or obligations
of any other entity.

Make contracts or guarantees, or incur liabilities; borrow money; issue its notes, bonds, or other
obligations, which may be convertible into or include the option to purchase other securities of the limited
liability company; or make contracts of guaranty and suretyship which are necessary or convenient to the
conduct, promotion, or attainment of the business of a corporation the majority of the outstanding stock of
which is owned, directly or indirectly, by the contracting limited liability company; a corporation which
owns, directly or indirectly, a majority of the outstanding membership interests of the contracting limited
liability company; or a corporation the majority of the outstanding stock of which is owned, directly or
indirectly, by a corporation which owns, directly or indirectly, the majority of the outstanding membership
interests of the contracting limited liability company, which contracts of guaranty and suretyship shall be
deemed to be necessary or convenient to the conduct, promotion, or attainment of the business of the
contracting limited liability company; or make other contracts of guaranty and suretyship which are
necessary or convenient to the conduct, promotion, or attainment of the business of the contracting limited
liability company.

Lend money, invest or reinvest its funds, and receive and hold real or personal property as security for
repayment.
Conduct its business, locate offices, and exercise the powers granted by this chapter within or without this
state.
Select managers or managing members and appoint officers, directors, employees, and agents of the
limited liability company, define their duties, fix their compensation, and lend them money and credit.

Make donations for the public welfare or for charitable, scientific, or educational purposes.
Pay pensions and establish pension plans, pension trusts, profit-sharing plans, bonus plans, option plans,
and benefit or incentive plans for any or all of its current or former managers, members, officers, agents,
and employees.
Be a promoter, incorporator, shareholder, partner, member, associate, or manager of any corporation,
partnership, joint venture, trust, or other entity.

Make payments or donations or do any other act not inconsistent with law that furthers the business of the
limited liability company.
Back to top

What is the difference between a Member Manager and an External Manager?
An LLC can be run by Members or External Managers.

What is a member?
A member is an owner of the company. An LLC can be run by a member (owner) or several members
(owners) of the company. Thus, where a member or several members run the company, the people who
own the company also run the company. Most Limited Liability Companies are member managed in this
way.

What does it mean to have external managers?
If not managed by its members, you will choose to hire an outside person to run the company who does
NOT own a part of the company. This would be termed an "External Manager." You may have one external
manager or several external managers.

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Additional Definitions
Authorized Representative - One or more persons acting to form a limited liability company by executing
and filing the articles of organization , as authorized by a member of such limited liability company. The
authorized representative may, but is not required to be, a member of the limited liability company that is
being formed. Capital Account - The agreed value of the initial contributions, increased by the agreed value
of subsequent contributions to capital, if any, and reduced by distributions of capital, unless otherwise
provided in the articles of organization or the operating agreement.

Contribution - Any cash, property, or services rendered or a promissory note or other obligation to
contribute cash or property or to perform services, which a person contributes to the limited liability
company as a member.

Distribution - A direct or indirect transfer of money or other property or incurrence of indebtedness by a
limited liability company to or for the benefit of its members in respect of their economic interests.

Foreign limited Liability Company - A limited liability company formed under the laws of any state other than
Florida or under the laws of any foreign country or other foreign jurisdiction.

Majority-in-interest of the members means, unless otherwise provided in the articles of organization or
operating agreement, members owning more than 50 percent of the then-current percentage or other
interest in the profits of the limited liability company.

Manager - A person who is appointed or elected to manage a manager-managed company and, unless
otherwise provided in the articles of organization or operating agreement, a manager may be, but need not
be, a member of the limited liability company.

Manager-managed company means a limited liability company that is designated to be managed by one or
more managers.

Managing member means a member appointed or elected as a managing member of a member-managed
company.

Management agreement - If the LLC will be managed by a subset of its members or by someone who is not
a member, there should be a management agreement in place which spells out the rights and duties of both
the members and managers.

Member - Any person who has been admitted to a limited liability company as a member and has an
economic interest in a limited liability company which may, but need not, be represented by a capital
account or, in the case of a foreign limited liability company, has been admitted to a limited liability
company as a member in accordance with the laws of the state or foreign country or other foreign
jurisdiction under which the foreign limited liability company is organized. The member need not reside in
Florida. See also Management of a Limited Liability Company.

Membership interest, member's interest, or interest means a member's share of the profits and the losses
of the limited liability company, the right to receive distributions of the limited liability company's assets,
voting rights, management rights, or any other rights under this chapter or the articles of organization or
operating agreement.

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What is an Operating Agreement and why would I need one for my LLC?
An operating agreement can contain a writing setting out:

The amount of cash and a description and statement of the agreed value of any other property or services
contributed by each member and which each member has agreed to contribute.
The times at which or events on the happening of which any additional contributions agreed to be made by
each member are to be made.
Any events upon the happening of which the limited liability company is to be dissolved and its affairs
wound up.
It may also contain:

Members and managers name and responsibilities as well as ownership percentages and signatures.
Profits, losses, distribution of monies, management, banking resolutions, taxes and other legal agreements
regarding internal conflicts as well as general provisions.
We offer as part of our a la carte service a SAMPLE Operating Agreement. For complete requirements,
please obtain a copy of your state's Limited Liability Company legislation. There you will be able to
determine the guidelines for your Operating Agreement.
Additional information regarding Limited Liability Company requirements can be located in Florida Statutes,
Chapter 608: Limited Liability Companies.

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What are Articles of Organization?
(1) In order to form a limited liability company, articles of organization of a limited liability company must be
executed and filed with the Department of State by one or more members or authorized representatives of
the limited liability company. The articles of organization shall set forth the following and additional
information as required:

(a) The name of the limited liability company.

(b) The mailing address and the street address of the principal office of the limited liability company.

(c) The name and street address of its initial registered agent for service of process in the state.

(2) The articles of organization are executed by at least one member or the authorized representative of a
member.

Note: Articles of organization are filed quickly and efficiently using our online system. Since filings are
completed with the Division of Corporations electronically, this cuts the processing time required to form
your LLC.

Back to top

How is an LLC classified for Federal tax purposes?
For Federal tax purposes, an LLC business entity must file as either a corporation, partnership or sole
proprietorship.

Federal tax laws will automatically classify and tax certain LLC business entities as corporations. These
entities are:

A business entity formed under a Federal or State statute or under a statute of a federally recognized Indian
tribe if the statute describes or refers to the entity as incorporated or as a corporation, body corporate, or
body politic.
An Association under Regulations section 301.7701-3.
A business entity formed under a Federal or State statute if the statute describes or refers to the entity as a
joint stock association.
A state chartered business entity conducting banking activities if any of its deposits are insured by the FDIC.
A business entity wholly owned by a state of political subdivision thereof, or a business entity wholly
owned by a foreign government or other entity described in Regulations section 1.892.2-T.
A business entity taxable as a corporation under a provision of the code other than section 7701.(a)(3).
Certain foreign entities (see Form 8832 instructions).
An Insurance Company.

If your LLC is not in one of the above categories:

An LLC that is not automatically classified as a corporation can file Form 8832 to elect their business entity
classification. A business with at least 2 members can choose to be classified as an association taxable
as a corporation or a partnership , and a business entity with a single member can choose to be classified
as either an association taxable as a corporation or disregarded as an entity separate from its owner, a
“disregarded entity”. The Form 8832 is also filed to change the LLC’s classification.

What is the effect of Not Electing and Entity Classification, the Default Rules?

If an LLC does not File Form 8832, it will be classified, for Federal tax purposes under the default rules. The
default rules provide that if the LLC has at least two members and is not required to be classified as a
corporation, it will automatically default as a partnership, and be required to file a partnership return. An
LLC that has only a single member and is not required to be classified as a corporation will automatically
default to the classification of disregarded entity. The disregarded entity files as a sole proprietorship and
completes the appropriate schedules as part of the single owners Form 1040.

Note: The above is a summary of tax information from the IRS website and does not present complete
information. Please consult an appropriate tax professional if you need clarification or contact the IRS
directly for more detail.

Here is the web link to the IRS website for more information on different tax situations.
http://www.irs.gov/businesses/small/article/0,,id=98359,00.html

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How is an LLC classified for Florida state tax purposes?
A limited liability company that is classified as a corporation for Florida and federal tax purposes is subject
to the Florida Income Tax Code and must file a Florida corporate income tax return.

A limited liability company that is classified as a partnership for Florida and federal tax purposes is
required to file Form F-1065 if one or more of its owners is a corporation. In addition, the corporate owner of
a limited liability company that is classified as a partnership for Florida and federal tax purposes must file a
Florida corporate income tax return.

A single member limited liability company that is disregarded for Florida and federal tax purposes is not
required to file a separate Florida corporate income tax return. However, the income of the company is not
exempt from tax if it is owned by a corporation, whether directly or indirectly. In this case, the corporation
is required to file Form F-1120 reporting its own income, together with the income of the single member
limited liability company.
Source: Fl Dept Revenue

Do I need an attorney or CPA to form an LLC?
No. An attorney or CPA is not legally required to form an LLC.

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What are the business activities I can choose for my LLC?
These are broad categories that the IRS provides to help you select what type of company you are creating.
If your company does not fall into any of these categories choose “other” then tell us specifically what you
will be doing in the blank next to “other.”

Accommodation & food services - providing customers with lodging, meal preparation, snacks, or
beverages for immediate consumption.

Construction - erecting buildings or other structures, (e.g., streets, highways, bridges, tunnels). The term
“construction” also includes special trade contractors (e.g., plumbing, HVAC, electrical, carpentry,
concrete, excavation, etc.)

Finance & insurance - in transactions involving the creation, liquidation, or change of ownership of
financial assets and/or facilitating such financial transactions; underwriting annuities/insurance policies;
facilitating such underwriting by selling insurance policies; or by providing other insurance or employee-
benefit related services.

Health care and social assistance - providing physical, medical, or psychiatric care using licensed health
care professionals or providing social assistance activities such as youth centers, adoption agencies,
individual/family services, temporary shelters, etc.

Manufacturing - the mechanical, physical, or chemical transformation of materials, substances, or
components into new products. The assembling of component parts of manufactured products is also
considered to be manufacturing.

Real estate - renting or leasing real estate to others; managing, selling, buying or renting real estate for
others; or providing related real estate services (e.g., appraisal services).

Rental and leasing - providing tangible goods such as autos, computers, consumer goods, or industrial
machinery and equipment to customers in return for a periodic rental or lease payment.

Retail - selling merchandise to the general public from a fixed store; by direct, mail-order, or electronic
sales; or by using vending machines.

Transportation & warehousing - transportation of passengers or cargo; warehousing or storage of goods;
scenic or sight-seeing transportation; or support activities related to these modes of transportation.

Wholesale-agent/broker - arranging for the purchase or sale of goods owned by others or purchasing goods
on a commission basis for goods traded in the wholesale market, usually between businesses.

Wholesale-other - selling goods in the wholesale market generally to other businesses for resale on their
own account.

Other - activity not described above. Describe the applicant's principal business activity in the space
provided.

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What are the different types of employees?
Other
Applies to most employees. Most new companies will designate their employees in the "Other" category.

Household employees
Employee who performs household services, such as a maid, babysitter, gardener, or cook, in your home
are not subject to social security and Medicare taxes if you pay that employee cash wages of less than
$1,400.

Agricultural Employees
In general, you are an employer of farm workers if your employees:

Raise or harvest agricultural or horticultural products on your farm,
Work in connection with the operation, management, conservation, improvement, or maintenance of your
farm and its tools and equipment,
Handle, process, or package any agricultural or horticultural commodity if you produced over half of the
commodity (for a group of up to 20 unincorporated operators, all of the commodity),
Or do work for you related to cotton ginning, turpentine, or gum resin products.

What is the difference between a principal address and a mailing address for an LLC?
The principal address is the physical location in Florida where the company conducts business. Florida
Department of State Division of Corporations mandates that this be a physical Florida address. A P.O. Box
number cannot be used for this address.

The Mailing address for an LLC can be a P.O. Box and does not have to be in Florida. What the Florida
Department of State does require of this address is that this be a current and good address where you can
be reached at any time.

Can I change the principal and mailing address of my corporation after I have filed?
Yes, you can update both of these addresses by emailing the Florida Department of State – Division of
Corporations at corpaddresschange@dos.state.fl.us.

The principal address will still have to be a physical Florida address.

You can also update the officer and director after your initial filing

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General partnership and LLPs

In a general partnership, all owners have equal rights to manage the company, regardless of their
ownership shares in the company. On the downside, they can also all be equally liable for any
mishaps the company runs into, like debt or lawsuits. This is where an LLP, or limited liability
partnership, comes into play.

An LLP is merely a certificate a general partnership can obtain to create a liability shield
protecting the individual partners, ANTONY says. Take, for example, a law firm that has offices in
New York and Los Angeles. If a partner in Los Angeles commits malpractice, the partner in New
York will not be considered individually liable. Without an LLP certificate, however, the New York
partner would not be protected. ---KNOWLEDGEFINANCIAL.COM

Limited partnership and LLLP

A limited partnership structure varies from a general partnership in that not all partners are
entitled to participate in managing the business. The general partner or partners actively manage
the business, while the limited partners (usually passive investors) do not participate in the
day-to-day operations. This type of business structure usually suits real-estate investments.

When it comes to liability in a limited partnership, responsibility follows the management chain: in
most actions, the limited partner is not liable, but the general partner is.

In many states, however, a limited partnership can obtain an LLLP certificate, for a limited liability
limited partnership. This certificate, says, works in the same manner as the LLP certificate by
protecting the general partners with a liability shield.

An entrepreneur's best choice

In the end, an LLC business structure is the best bet for most small businesses. It's the structure
that gives the owners the greatest flexibility. Plus, it automatically includes a liability shield
protecting all owners.

For more information on your options, check out the Internal Revenue Service's guide to business
structures

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5-Protect your personal assets through liability protection
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