It's a little-known goodie for small businesses doing good: the Disabled Access Tax Credit. If you have fewer than 30 employees and less than $1 million in revenues, the feds will issue credits of up to $5,125 per year to make the business more disabled-friendly with such items as wheelchair ramps. "Big Business knows what it's entitled to, and small businesses tend to be largely unaware," says Sid Wolinksy, director of litigation at Disability Rights Advocates. For more info, download IRS form 8826 from www.irs.gov.

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