Gold Medal Software 2/Gold Medal Software Volume 2 (Gold Medal) (1994).iso/misc/bmwtax.arj/A/TEXT.TXT

Text File | 1993-12-01 | 20KB | 720 lines

;MAIN MENU screens
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Please use the arrow keys to move to the
option you wish to select, then press 'Enter'.
;RECOMMENDATION screens
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This system will run from the diskette,
but if will run faster and more smoothly
if installed on your hard disk.

The system may easily be deleted
from the hard disk if required.
;VIRUS screens
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BMW (GB) Ltd. have endeavoured to ensure
that this diskette is free from
computer software viruses.

However, if either you or your company
have an anti-virus policy, you may
wish to apply your own safeguards
if you have not already done so.


;DISCLAIMER screens
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The information provided here is for guidance only and
cannot deal with particular circumstances of an individual
case.  Appropriate professional advice should therefore
be obtained to verify any of the information provided.

BMW (GB) Ltd. and BMW Finance (GB) Ltd. cannot
accept any liability arising from the usage of this
diskette or the information therein, but it is hoped that
it will be helpful before taking further relevant advice.



;INTRODUCTORY screens
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BMW are about to demonstrate quickly and simply
how the new company car tax legislation
affects you as a driver. Simply follow the
step-by-step instructions to calculate your
1994/95 company car tax liability.

The disk also contains detailed information about
each BMW model, BMW Finance packages for private
owners and businesses, and information for company
car drivers considering a 'cash for car' option.
;BUDGET TEXT screens
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Existing company car tax legislation is due for change from the
1994/95 tax year.  As a company car driver, under the old
legislation your tax was based on a number of factors, including:
        1)    The engine size of your vehicle in three bands:
                  * Up to 1400 cc
                  * 1401 to 2000 cc
                  * Over 2000 cc
        2)    Your annual business mileage in three bands:
                  * Up to 2,499 miles
                  * 2,500 to 17,999 miles
                  * Over 17,999 miles
        3)    Three vehicle price bands:
                  * Up to £19,250
                  * £19,251 to £29,000
                  * Over £29,000
        4)    The age of your car:
                  * Up to 3 years old
                  * 4 years old and over


From April 6th 1994, company car taxation will
be based on a simplified set of criteria.

Engine capacity will no longer be used in
determining company car tax liability.

This may benefit some larger engined cars, including
the new 2.5 litre BMW diesel engined models.

Other BMW models may also show tax savings as a result
of the changes and your own personal circumstances.









Your liability from 6th April 1994 is based on the following:

        1)    35% of the list price of the car (including delivery
                  charges and the cost of any optional equipment, but
                  less any contribution you make to the cost of the car)

        2)    Your annual business mileage in three bands:
                  * Up to 2,499 miles
                  * 2,500 to 17,999 miles
                  * Over 17,999 miles

        3)    The age of your car:
                  * Up to 3 years old
                  * 4 years old and over
                        (special arrangements apply to classic cars
                        15 years old or over with a value over £15,000)




For further information relating to the new tax
legislation, please speak to your Tax Enquiry Centre
or your independent financial advisor.

Your Tax Enquiry Centre will be able to supply a
copy of their guide free of charge:

"Income Tax and Company Cars from 6th April 1994:
a Guide for Employees"
(Reference: HMSO 11/93 C1150 52.0934)










;CALCULATOR INTRO screens
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In order to calculate your tax liability on your company
car for 1993/94 and 1994/95, you will need to enter:

    * The list price of your car, including accessories
    * The engine size of your car in cc
    * The age of your car at 5th April 1994 in years
    * Your annual business mileage
    * Your top income tax rate (25% or 40%)
    * The MONTHLY amount of any personal contribution
          which you pay to your employer for personal
          car use - this is deducted from your benefit

;CALCULATOR TEXT screens
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In order to calculate the tax payable on your
company car, please complete the fields below:
Your tax liabilities for this year and
next year have now been calculated:
;INSTALLATION TEXT screens
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This system will require approximately 650Kb
of hard disk space. You may delete it
at any time, simply by using the
'Uninstall' option on the Main Menu.


Please enter the full path, including the drive letter
and with no trailing backslash, where the system is
to be installed.  The directory must not already exist.

For example, to install on drive C: in
directory BMW, enter C:\BMW
The system is being installed
on your hard disk.

The installation will take about 2 minutes . . .


The system has successfully been installed
on your hard disk.

It will now continue to run from the
hard disk in order to give you
maximum speed and usability.
;DELETION TEXT screens
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This option will remove the BMW Tax Disk
software from your hard disk.

Please note that it will delete
ALL the files from the directory
containing the Tax Disk software.
Please enter the full path, including the
drive letter and with no trailing backslash,
where the system is installed.

For example, if it is installed on drive C: in
directory BMW, enter C:\BMW
The system has been uninstalled successfully.





;INPUT SCREEN prompts
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Please enter the original list price of your car, including delivery
and the cost of any optional equipment and/or accessories
bought with the car, but excluding road fund licence
Please enter the engine size of your car in cc
(for example, 1.8 litres = 1800 cc)

Please enter the age of your car in years (rounded down)
as it will be at the 5th April 1994

Please enter your approximate annual business mileage, not
including travel between your home and your normal place of work

Please enter your top income tax rate -
this will normally be 25% or 40%

Please enter the MONTHLY personal contribution
which you pay towards your company car

;KEYBOARD TOUR screens
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Do you wish to learn about the keys you
will need to use on the keyboard?

If you have already used this diskette, press 'Esc'.

To continue with the keyboard tour, press 'Spacebar'.
This is your computer keyboard.





You use the 'up' and 'down' arrow keys
to move up and down the selection lists;
all four arrow keys can be used to move
move between menu options.


You make your selections by
pressing the 'Enter' key.




You press 'Spacebar' when you want
to continue to the next page.




You press 'Page Up' and 'Page Down' when
you want to move backwards and forwards
through a set of related pages.



By pressing the 'Esc' key anywhere in the
system, you will automatically be taken
straight back to the Main Menu.



By pressing the 'Esc' key at the
Main Menu, you will exit from the
Tax Disk - it's as easy as that.

Press the 'Spacebar' now to finish this
tutorial and go to the Main Menu.
;SERIES INFORMATION screens
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The BMW 3 Series offers unparallelled quality and
value for money across a range of bodystyles and
engine options.  Saloons, coupés, a 5-door Touring
and a convertible are available, with power
supplied by advanced 4 and 6 cylinder petrol and
new 6 cylinder turbo-diesel engines.

With high levels of passive and active safety,
the BMW 3 Series sets the highest standards
in the mid-sized luxury car sector.


The BMW 5 Series remains the benchmark for
refinement and performance in executive cars.

Available as either a saloon or full-sized 5-door
estate, with 4, 6 and 8 cylinder petrol or new
6 cylinder turbo-diesel engines, the BMW 5 Series
offers a wide choice of power, specification and
formats to suit a variety of customer needs.




The BMW 7 Series is renowned for providing
luxury with pure driving pleasure.  Refined
power, smoothness, superlative engineering and
technical innovation make the BMW 7 Series
the driver's choice in the luxury class.

The BMW 7 Series is available with
6, 8 and 12 cylinder engines ranging
from 3 litres to 5 litres in capacity.
Two long wheelbase versions of the
7 Series are also offered.

The BMW 8 Series range offers three models
with true Grand Touring style.

Led by the new BMW 850CSi with its sophisticated
5.6 litre 12 cylinder engine, the BMW 8 Series
combines refinement, luxury and high performance
in an elegant coupé body.

The BMW 8 Series represents the pinnacle
of BMW design and technology.


;WARRANTY screens
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Every new BMW car registered from 1st October 1993
is now protected by a 3 Year Dealer Warranty,
which provides complete cover against major
electronic and mechanical failure for three years
or up to 60,000 miles.

Under the Warranty, there are no limitations on
mileage or items covered in the first year.  In the
second and third years, the Dealer Warranty covers
most major systems, from the engine and gearbox to
control units and printed circuit boards.

In addition, every BMW is covered by an unlimited
mileage, six year corrosion warranty.

Full details of these warranties are available
from your BMW Dealer and are provided in the
BMW Service and Warranty Handbook.






;EMERGENCY SERVICE screens
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Every new BMW customer receives, free of charge,
the security and peace of mind offered by one of
the finest Emergency Service programmes available.

BMW Emergency Service offers a multi-lingual network
of agents, assistance centres, doctors and
associated services 24 hours a day every day of the
year throughout Europe.  Every new BMW customer is
covered under the scheme for three years.



The BMW Emergency Service provides cover for:
        * Breakdown and recovery services
              throughout Europe
        * Hotel accommodation or car hire (when a
              member's car is immobilised for
              longer than four hours)
        * Repatriation of the vehicle, driver and
              passengers from abroad if necessary
        * Medical cover when travelling with your
              car in Europe
For full details please contact your local BMW dealer
or phone the BMW Information Service on 0800 325600.
;SCROLL screens
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Please use the up and down arrow keys and the
Page Up and Page Down keys to move to the
option you wish to select, then press 'Enter'.

;POSTCODE screens
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Please enter the first half of your postcode,
e.g. RG8, WC1A.  If you do not know your postcode,
just press 'Enter' to see a full list of BMW dealers.
Sorry, but the system is unable
to locate your BMW dealer.

Please select your nearest town and dealer
from the list on the next screen.

;BMW FINANCE screens
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BMW Finance - BMW's own finance company -
has used its thorough understanding of
both BMW cars and customers to develop
a range of finance products to suit
your personal and business
requirements precisely.






BMW Select is a new concept in car financing
that means you can buy a BMW for a low capital
outlay and fixed monthly payments.  When the
agreement ends you have the option to return
the car to your Dealer or purchase it outright.
Should you decide to buy and then sell the
vehicle, any excess profits will be yours to
use as a deposit on your next BMW.




Key benefits of BMW Select:

        * Low fixed monthly payments

        * A flexible deposit

        * Option to return or purchase your BMW
              at the end of the agreement




With BMW Hire Purchase you pay an initial
deposit, followed by monthly payments over
an agreed term.  At the end of that period
you can become the owner of the car.








Key benefits of BMW Hire Purchase:

        * Fixed equal monthly payments

        * A flexible deposit

        * Competitive interest rates





BMW Contract Hire is a lease agreement for a business
of any size that offers a series of equal monthly
payments with the option of running costs built in.
At the end of the term, the vehicle is simply
returned to BMW Finance.

For a quotation please contact your local BMW dealer.





Key benefits of BMW Contract Hire:

        * Off balance sheet financing

        * Option of maintenance inclusive rental

        * No vehicle disposal problem

        * Reduced company car administration

        * VAT reclaimable

When your business chooses to finance your BMW with
BMW Lease Purchase you have all the cash flow
benefits of leasing but with the eventual ownership
of the car.  Furthermore there is no VAT on the
charges, which is particularly beneficial if your
business is not registered for VAT.

For a quotation please contact your local BMW dealer.




Key benefits of BMW Lease Purchase:

        * Same benefits as Hire Purchase

        * Lower monthly rentals

        * Fixed car budgeting

        * Eventual ownership

        * Charges allowable against tax

;OUR RECOMMENDATION screens
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The following BMW models would give you a similar
1994/95 tax liability to that for your current car,
using the figures entered in the Tax Calculator:

;CHOOSE A BMW screens
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This is the full range of BMW models in ascending order
of your personal tax liability, based on the values that
you have entered.  Please use the arrow keys to move to
the model you wish to select, then press 'Enter'.
;CASH ALTERNATIVE screens
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One possible alternative to a company car may be
a 'cash for car' scheme whereby an employer
offers, for example, a monthly salary increment
towards the cost of an employee buying or
leasing a car together with a mileage allowance
to cover the cost of business use.

Under such an arrangement, PAYE is payable at
your top rate on the salary increment and may be
applied to the mileage allowance, but there is
no taxable benefit in kind.

It is not possible to illustrate the relative
costs of such a scheme due to the wide variety
of possible arrangments which may be offered.

However, when calculating the likely advantages
or disadvantages of this type of scheme, you
should bear in mind at least the following areas
of income and expenditure:




Income:
        * Salary increment (less income tax)
        * Mileage allowance
        * No taxable benefit in kind
Expenditure:
        * Loan / Leasing / HP repayments
        * Depreciation of vehicle
        * Road fund licence
        * Insurance
        * Membership of motoring organisation
        * Servicing, repairs and accident damage
        * Fuel
;FINANCE EXAMPLE screens
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BMW Select examples:

On the road price
Deposit
35 Monthly Payments of
Purchase Payment after
  36 months (if desired)
Total Amount Payable *
APR

BMW 316i

£15,390,00
£5,554.80
£198.03

£6,379.00
£18,864.85
15.10%

BMW 518i

£18,125.00
£7,000.00
£222.33

£7,293.00
£22,074.55
15.10%

BMW 730i

£29,545,00
£8,550.00
£499.26

£10,237.00
£36,261.10
15.00%

Prices inclusive of VAT, delivery and 12 months road fund licence.  Figures
based on 10,000 miles per annum and good condition.  All credit subject to
status.  Written quotations available.  Guarantees may be required.
* Includes £40 option fee (inc. VAT) payable with purchase payment.

BMW Finance (GB) Limited, Ellesfield Avenue, Bracknell, Berks.  RG12 8TA




BMW Hire Purchase examples:

On the road price
Deposit
36 Monthly Payments of
Total Amount Payable *
APR



BMW 316i

£15,390,00
£5,554.80
£332.63
£17,569.48
14.30%



BMW 518i

£18,125.00
£7,000.00
£376.25
£20,585.00
14.30%



BMW 730i

£29,545,00
£8,550.00
£710.04
£34,151.44
14.20%



Prices inclusive of VAT, delivery and 12 months road fund licence. All credit
subject to status.  Written quotations available.  Guarantees may be required.
* Includes £40 option fee (inc. VAT) payable with the final payment.

BMW Finance (GB) Limited, Ellesfield Avenue, Bracknell, Berks.  RG12 8TA





;FINISH screens
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Thank you for using the BMW Tax Disk.

If you would like any further information on any of
the BMW models, services or BMW Finance options
featured, please return the reply card which was
enclosed with your BMW Tax Disk, or telephone
the BMW Information Service on:



Alternatively, please contact your local BMW
dealer who will be happy to discuss in more
detail any questions you may have.







;Various two-liners
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This is the minimum level of standard equipment on this range.

Please refer to your dealer for details of
additional equipment on individual models.
These items are in addition to the
normal level of standard equipment
This model has a non-standard range of equipment.

Please refer to your dealer for details of
the equipment supplied with this model.
The graph shows the winners and losers
under the new taxation regime.
0800 325 600

All information correct at time of going to press (30/11/93).
Copyright BMW (GB) Ltd., 1993.  All rights reserved.
This model has an additional range of sports equipment.

Are you sure you would like to exit?

;THE END