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Contractor License Exam: Business & Law, Drawn One Topic on Every Page

Liens, bonds, payroll, labor burden, markup vs. margin, plan reading, contracts, OSHA ladders and trenches. Each topic on its own page: the drawing first, then the numbers to remember, so you know where to look when the clock runs. 66 illustrated pages.

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Every topic, its own pageEach rule drawn, with the explanation right beside it
66 illustrated pages8 parts, from the exam and its books to exam-day review
Up-to-date sourcesOSHA 29 CFR 1926 and IRS Pub. 15, with state rules flagged to check
PDF by emailFormat

Look Inside the Book

Every page has one big drawing and a box with the numbers and deadlines you need to know:

$120,000 ÷ $80,000 = 1.5 current ratio; $120,000 − $80,000 = $40,000 working capital.
$120,000 ÷ $80,000 = 1.5 current ratio; $120,000 − $80,000 = $40,000 working capital.
941 due Apr 30, Jul 31, Oct 31, Jan 31; W-2 and 1099-NEC by Jan 31.
941 due Apr 30, Jul 31, Oct 31, Jan 31; W-2 and 1099-NEC by Jan 31.
Example: $30/hr wage + 35% burden = $40.50/hr burdened rate.
Example: $30/hr wage + 35% burden = $40.50/hr burdened rate.
Notice → work → completion → lien recorded → foreclosure suit, with state deadlines.
Notice → work → completion → lien recorded → foreclosure suit, with state deadlines.
$100,000 cost + 25% markup = $125,000 price = 20% margin
$100,000 cost + 25% markup = $125,000 price = 20% margin
Example: $18,000 ownership ÷ ($90 rental − $30 operating) = 300 hours to break even
Example: $18,000 ownership ÷ ($90 rental − $30 operating) = 300 hours to break even
Ladders: 1 ft out per 4 ft up · rails 3 ft above landing · required at 19 in break
Ladders: 1 ft out per 4 ft up · rails 3 ft above landing · required at 19 in break
6 ft, 10 ft, 5 ft, 4:1, 27 cu ft, FICA 7.65%, FUTA $7,000: one printable page
6 ft, 10 ft, 5 ft, 4:1, 27 cu ft, FICA 7.65%, FUTA $7,000: one printable page

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These are real pages from the book. The table of contents is the full one: 8 parts and 62 topics.

The Problem Isn't You. It's How It Was Explained to You.

It's 10 p.m. at the kitchen table. The practice question reads: a carpenter makes $30 an hour. What does he really cost you? You've paid crews for years, and the number still won't come.

The reference book spreads it over three dense pages: FICA, FUTA, state unemployment, workers' comp, liability, benefits. Every piece sits in a different paragraph, and none of them adds up to a rate.

Example: $30/hr wage + 35% burden = $40.50/hr burdened rate.

In this book, labor burden is one page. The wage at the bottom, each cost stacked on top like courses of block, and the total in a box: $30 an hour plus 35% burden is $40.50 an hour.

Same with the payroll calendar, how a mechanics' lien runs, markup vs. margin, the set of plans and the ladder rules: each one has its own page.

You see where the $40.50 comes from, and on exam day you know what the question is asking and what to look up.

COMPARE FOR YOURSELF

Same Topic, Two Ways to Study It

THIS
  • The reference book: line after line of small print
  • Payroll deadlines explained only in words
  • You walk into the exam still unsure
Employers who withhold federal income tax and FICA taxes from employee wages must generally file Form 941, Employer's Quarterly Federal Tax Return, by the last day of the month following the end of each calendar quarter, that is, April 30, July 31, October 31 and January 31. Deposit schedules, whether monthly or semiweekly, are determined by the lookback period. Forms W-2 must be furnished to employees and filed with the Social Security Administration, and Forms 1099-NEC furnished to nonemployees, by January 31 of the following year, subject to the exceptions described herein.
FOR THIS
  • The payroll year in one drawing
  • Every due date in a box
  • You see it and you get it
941 due Apr 30, Jul 31, Oct 31, Jan 31; W-2 and 1099-NEC by Jan 31.
CONTENTS

Take a Look at the 8 Parts and 62 Topics

The exam and the books, setting up the business, payroll and taxes, insurance, bonds and liens, contracts and project management, plans and estimating, OSHA jobsite safety and exam-day review: 66 pages, all illustrated.

IThe Exam and the Books · pp. 5-8
  1. Two exams, one license: Trade and Business & Law
  2. Open book doesn't mean easy: the clock is the test
  3. Tabs and highlights: set up your books before exam day
  4. How each page of this book works
IISetting Up the Business · pp. 9-17
  1. Sole prop, partnership, LLC or corporation
  2. Licenses, registrations and the numbers you need
  3. The balance sheet: Assets = Liabilities + Equity
  4. The income statement: revenue minus costs
  5. Ratios the exam asks: current ratio and working capital
  6. Cash vs. accrual and percentage of completion
  7. Depreciation: the truck loses value on paper
  8. Cash flow: profitable on paper, broke in the bank
  9. Records: what to keep and for how long
IIIEmployees, Payroll and Taxes · pp. 18-25
  1. Employee or independent contractor? The IRS test
  2. Hiring paperwork: W-4, I-9 and new-hire report
  3. FICA: what you withhold and what you match
  4. FUTA and state unemployment
  5. The payroll calendar: 941, 940, W-2 and 1099-NEC
  6. Labor burden: what a worker really costs
  7. Prevailing wage and certified payroll
  8. Wage and hour: overtime and the FLSA
IVInsurance, Bonds and Liens · pp. 26-33
  1. Insurance a contractor carries
  2. Workers' comp and the EMR
  3. A bond is not insurance: three parties
  4. Bid, performance and payment bonds
  5. Public jobs: Miller Act and Little Miller Acts
  6. How a mechanics' lien runs
  7. Lien waivers: conditional vs. unconditional
  8. Retainage and prompt payment
VContracts and Project Management · pp. 34-42
  1. What makes a contract valid
  2. Lump sum, unit price, cost-plus, GMP
  3. Delivery methods: design-bid-build, design-build, CM
  4. Change orders and the scope that grows
  5. Delays, liquidated damages and no-damage-for-delay
  6. Breach, termination and disputes
  7. Bid day: from invitation to award
  8. Scheduling: bar chart vs. CPM
  9. Float and what slips the finish date
VIPlans, Specs and Estimating · pp. 43-52
  1. The set of plans: what each sheet is
  2. Reading scales without guessing
  3. Specs and CSI MasterFormat
  4. Markup vs. margin: the same dollars, two percentages
  5. Concrete in cubic yards
  6. Board feet and framing lumber
  7. Masonry and drywall takeoff
  8. Earthwork: bank, loose and compacted
  9. Building the bid: direct costs, overhead, profit
  10. Equipment: own or rent?
VIIOSHA Jobsite Safety · pp. 53-62
  1. OSHA 1926: who it covers and what the inspector looks for
  2. Fall protection starts at 6 feet
  3. Ladders: 4 to 1 and 3 feet above
  4. Scaffolds: 10 feet and 4 times the load
  5. Trenches: protection at 5 feet
  6. Soil types and slopes
  7. Hazard communication and the SDS
  8. Electrical safety on site: GFCI and lockout
  9. Injury records: OSHA 300, 300A and 301
  10. Environmental rules on small jobs: lead and stormwater
VIIIReview and Exam Day · pp. 63-66
  1. The numbers to have at hand
  2. Frequent mistakes in Business & Law
  3. How the exam asks it: reading the question
  4. Exam-day checklist

One Page, One Topic, All Clear

Think of it this way:

You're bidding a $200,000 remodel and you want 20% to stay in your pocket. Do you add 20% or 25%? On the exam, that same question comes with four answers, and one of them is the usual mix-up.

You open the markup vs. margin page and see the same dollars drawn as two bars: $100,000 cost, $25,000 on top, $125,000 price. Markup is 25% of cost; margin is 20% of price.

$100,000 cost + 25% markup = $125,000 price = 20% margin

Same with liens, bonds, labor burden, the payroll calendar and trench protection at 5 feet: each one on its own page.

Contractor License Illustrated is 8 parts and 66 illustrated pages, one topic each, with a page of key numbers and an exam-day checklist at the end.

What you see drawn, you don't have to memorize.

What's Inside Contractor License Illustrated:

Ipp. 5-8

The Exam and the Books

The Trade and Business & Law exams, why the clock is the real test, how to tab your reference books and how each page works.

IIpp. 9-17

Setting Up the Business

Sole prop, LLC or corporation, licenses and numbers, balance sheet, income statement, current ratio, percentage of completion, depreciation, cash flow and records.

IIIpp. 18-25

Employees, Payroll and Taxes

Employee vs. independent contractor, W-4 and I-9, FICA, FUTA, the 941, 940, W-2 and 1099-NEC calendar, labor burden, prevailing wage and overtime.

IVpp. 26-33

Insurance, Bonds and Liens

Contractor insurance, workers' comp and the EMR, the three parties of a bond, bid, performance and payment bonds, the Miller Act, mechanics' liens, lien waivers and retainage.

Vpp. 34-42

Contracts and Project Management

What makes a contract valid, lump sum to GMP, delivery methods, change orders, liquidated damages, breach and disputes, bid day, CPM scheduling and float.

VIpp. 43-52

Plans, Specs and Estimating

The plan set sheet by sheet, scales, CSI MasterFormat, markup vs. margin, concrete, board feet, masonry and drywall, earthwork, the full bid and equipment.

VIIpp. 53-62

OSHA Jobsite Safety

OSHA 1926, fall protection at 6 feet, ladders, scaffolds, trenches and soil types, HazCom and SDS, GFCI and lockout, OSHA 300 logs, lead and stormwater.

VIIIpp. 63-66

Review and Exam Day

The numbers to keep at hand, frequent Business & Law mistakes, how the questions are worded and an exam-day checklist.

At the end of the book: A printable page of key numbers, the frequent Business & Law mistakes and an exam-day checklist.

Plus: 2 Free Books

Contractor Exam Practice Workbook

BONUS 1: «Contractor Exam Practice Workbook»

Value on its own: US$ 17.90

Exam-style questions on Business & Law, estimating and safety, each with the answer and the page where it's explained, so you know what you've got and what to go back to.

The 15 Most Common Contractor Mistakes

BONUS 2: «The 15 Most Common Contractor Mistakes»

Value on its own: US$ 14.90

Before-and-after pages of the mistakes that cost contractors money and points: markup confused with margin, missed lien deadlines, the wrong bond, an unprotected trench.

Contractor License Illustrated with 2 Free Books

  • Contractor License Illustrated: 66 illustrated pagesUS$ 63
  • BONUS 1: Contractor Exam Practice WorkbookUS$ 17.90
  • BONUS 2: The 15 Most Common Contractor MistakesUS$ 14.90
  • High-resolution PDF to printIncluded
Total value US$ 95.80
YOUR PRICE:
US$ 27
You save US$ 68.80
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PDF by email: We email you Contractor License Illustrated as a PDF, together with the two free books. It's a single payment: no installments, no extra charges.

Who This Book Is For

You're studying Business & Law

You're studying Business & Law

Every piece of the business side on its own page, so liens, bonds and payroll stop being a pile of small print and start making sense.

Your exam date is set

Your exam date is set

The numbers page and the review part show you what to look for and in which kind of reference book, so you're not hunting while the clock runs.

You already run jobs

You already run jobs

Markup vs. margin, labor burden and the lien steps drawn plainly, to check a bid before you sign. Print the pages and keep them in the truck.

Everything You Get Today

US$ 95.80US$ 27
YES, I WANT CONTRACTOR LICENSE ILLUSTRATED FOR US$ 27

📄 This is a digital PDF book sent to your email: nothing is printed or shipped.

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Try Contractor License Illustrated for 30 days, bonus books included.

We refund everything if the file won't open, if the book isn't what you see here, if you were charged twice or if the email doesn't arrive. Just email us.

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Frequently Asked Questions

Is it for me if I've been building for years but never handled the business side?

Yes. It assumes you know the trade and explains the business, law and paperwork side, one topic per page, in plain words.

Where does the content come from?

From OSHA 29 CFR 1926 and 1904, IRS employer publications, the IBC, CSI MasterFormat, the NASCLA candidate information and state board rules. Amounts and deadlines that change by state or by year are marked so you can check them with your state board.

Is this official material?

No. It's an independent study book, not published or approved by NASCLA, the ICC, OSHA or any state board. It doesn't replace the reference books your exam allows, and you can't take it into the testing center: you use it before the exam, to understand each topic and know which reference book to reach for.

Does it replace an exam prep course?

No. It's study material to use alongside your course and reference books. It doesn't come with a certificate or continuing-education credit, and it isn't legal, tax or accounting advice.

Are the practice questions the real exam questions?

No. They're written for this book, in exam style, each with the answer and the page where it's explained. They're not official questions from any exam.

When and how do I get it?

The book and the 2 bonus books come as PDFs by email, to the address you enter at checkout. It's a one-time payment, with no subscription.

Does it work for my state's exam?

It covers what Business & Law and general contractor exams have in common: federal payroll and taxes, OSHA 1926 jobsite rules, bonds, liens, contracts and estimating. Lien deadlines, license amounts and other rules that change by state are marked on the page so you can check them with your state licensing board.

Can I have it on paper?

Yes, you can print it at home or at a print shop: the whole book or just the pages you want to take to the job.

How does the refund work?

You have 30 days. We refund everything if the file won't open, if the book isn't what you see on this page, if you were charged twice or if the email doesn't arrive: just email us.

Before You Close This Page

No more rereading pages that don't stick.

Labor burden, liens and markup: you see them drawn and you've got it.

You walk into the exam knowing what each question is asking and which book to reach for.

Drawings make studying faster.

The book is right below.

One-time payment: US$ 27 · Guarantee: 30 days · PDF by email

YES, I WANT CONTRACTOR LICENSE ILLUSTRATED FOR US$ 27

📄 This is a digital PDF book sent to your email: nothing is printed or shipped.