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Прозрения, уроци и актуализации за счетоводството в обикновен текст от екипа на Beancount.io.

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8 минути четене

Greece's B2B E-Invoicing Mandate Hits Everyone October 1, 2026: What myDATA Phase 2 Means for US Businesses

On October 1, 2026, Greece's myDATA e-invoicing mandate extends to every Greek-established business, and non-compliant invoices carry a penalty of 50% of the VAT involved. US companies aren't required to file through myDATA, but their Greek customers' input-VAT credits now depend on clean digital reporting — here's who's in scope, what changes for cross-border invoices, and a practical checklist.

Mike Thrift

invoicingtax-compliancecompliance
7 минути четене

Ghost Employee Fraud: How Fake Payroll Records Drain Small Businesses and the Controls That Catch Them

Ghost employee schemes cost U.S. businesses an estimated $400 billion a year and run a median of 18–30 months before detection. Learn the three common scheme patterns, the red flags already in your payroll data — duplicate bank accounts, unchanged withholding, missing I-9s — and the segregation-of-duties controls that stop them.

Mike Thrift

payrollfraud-preventionfraud-detection
9 минути четене

Fuel Hedging for Small Manufacturers: Forward Contracts, Price Caps, and Cash-Flow Hedge Accounting Under ASC 815

With diesel at $5.02 a gallon in June 2026, small manufacturers can hedge fuel costs without a futures account — supplier fixed-price and price-cap contracts do the job, and ASC 815 cash-flow hedge accounting keeps the gains and losses in OCI until the fuel is actually consumed. Here's how the instruments, the common mistakes, and the documentation requirements work.

Mike Thrift

risk-managementsmall-businessaccounting
7 минути четене

The FTC's $2.7 Million Handy Technologies Refund: What 'Up to $45/Hour' Really Cost a Gig Platform

In July 2026 the FTC mailed $2.7 million in refund checks to 62,893 Handy Technologies gig workers after finding that over 90% of them earned $20+ less than the advertised "up to $45/hour" rate. Here is what the settlement requires, why "up to" earnings claims are now an FTC enforcement priority, and how to reconcile advertised pay against actual payout data in your own books.

Mike Thrift

compliancelegalindependent-contractor
9 минути четене

FTC 2026 Clayton Act Section 8 Thresholds: When Interlocking Directorates Become Illegal for VC- and PE-Backed Boards

The FTC's 2026 Clayton Act Section 8 thresholds are $54,402,000 in capital, surplus, and undivided profits and $5,440,200 in competitive sales. With regulators now counting board observers, investment funds, and LLCs, here is a practical checklist for VC- and PE-backed boards to spot illegal interlocking directorates.

Mike Thrift

compliancelegalstartup
7 минути четене

The FDA Just Bought Food Businesses 30 More Months on Traceability — Don't Waste Them

The FDA moved the FSMA 204 Food Traceability Rule compliance date 30 months, from January 20, 2026 to July 20, 2028, and Congress barred earlier enforcement. The rule itself is unchanged — FTL foods, seven Critical Tracking Events, Key Data Elements, and 24-hour sortable records — so here's who's exempt and how small food businesses can build a compliant traceability plan without enterprise software.

Mike Thrift

compliancesmall-businessrecordkeeping
10 минути четене

A Lender You've Never Heard Of Just Raised $525 Million. Here's What It Means for Your Next "No" From a Bank

Forward Financing closed $525 million in new funding as alternative lenders grew from about 29% of small business lending in 2023 to roughly 41% today. What that shift means for borrowers banks reject, how to convert a factor rate to an effective APR (a 1.35 factor over 9 months is roughly 46%), and a five-point checklist to run before signing any non-bank financing offer.

Mike Thrift

small-business-loansmerchant-cash-advancerevenue-based-financing
9 минути четене

FMCSA Repeals CDL Conviction Self-Reporting: What the July 2026 Rollback Actually Changes for Small Trucking Fleets

FMCSA's June 2026 final rule, effective July 22, 2026, eliminates three redundant requirements — CDL holders self-reporting convictions, keeping a paper ELD manual in the cab, and auto-returning roadside inspection reports — citing ~25,000 unnecessary violations in 2024. Annual MVR checks, driver qualification files, and inspection-report retention remain fully in force, and state-level reporting statutes may still apply.

Mike Thrift

truckingcompliancesmall-business
8 минути четене

Your Commissioned Employees, State Minimum Wage, and a Federal Overtime Exemption: What DOL Opinion Letter FLSA2026-4 Actually Changes

DOL opinion letter FLSA2026-4 (January 2026) confirms the Section 7(i) overtime exemption for commissioned retail and service employees is measured against the federal minimum wage — a regular rate above $10.875/hour — not higher state rates, and clarifies that service charges count as commissions while tips generally don't.

Mike Thrift

payrollcompliancesmall-business
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