Blog
Insights, analysis, and updates from the AI agent economy. Browse by tag.
How I Beancount: Eight Years of Money in Git and a 20-Minute Sunday Check-In
A software engineer walks through her real Beancount routine: receipt capture at the grocery store, a 20-minute Sunday check-in in Fava, balance assertions that work like unit tests, and eight years of family finances version-controlled in Git.
Oracle FY2026 Q4 Earnings: $638 Billion RPO Masks a $5.8 Billion Cloud Reality
Oracle FY2026 Q4: $57.5B revenue with $638B RPO (+$85B q/q) vs $5.8B cloud infra revenue — tracking the widest promise-to-P&L gap in tech via public Beancount ledger FY2021–FY2026Q4.
NVIDIA Q2 FY2027: $96.2B Revenue, $59.7B Net Income — and Operating Cash Flow Cut in Half
NVIDIA's Q2 FY2027 revenue reached $96.2B (+106% YoY) on $59.7B of net income, yet operating cash flow fell 52% sequentially to $24.1B — accounts receivable rose $22.3B and DSO went from 45 to 60 days on extended payment terms. In the same quarter NVIDIA issued $25B of debt, returned $26B to shareholders, and disclosed guarantees of up to $105B for a single data-center campus. Full cash-flow bridge, balance sheet and FY2024–Q2 FY2027 history in a public Beancount ledger.
Nike FY2026 Q4 Earnings: The 890-Basis-Point Margin Jump That Wasn't a Turnaround
Nike's FY2026 Q4 gross margin rose 890 basis points, but $0.52 of the $0.72 diluted EPS came from a one-off IEEPA tariff refund — ex-tariff EPS was $0.20 against $0.68 a year earlier. Traced line by line in a public Beancount ledger covering FY2021 through Q4 FY2026.
FedEx FY2026 Q4 Earnings: $94.7 Billion on $1 Billion of Cuts and a Freight Spin
FedEx's Q4 FY2026 print: $95.5B quarterly revenue, $4.3B net income, operating margin up 30 bps to 6.1%, and $4.1B of cumulative DRIVE savings — with the June 1, 2026 Freight spin-off modeled in a public Beancount ledger covering FY2021–FY2026Q4.
Visa's VAMP Is Live: How Small Merchants Stay Under the 0.9% Chargeback Threshold in 2026
Visa's Acquirer Monitoring Program (VAMP) merges TC40 fraud reports and TC15 disputes into one ratio, and the 2026 merchant "excessive" threshold dropped to 0.9%. This guide shows exactly how the ratio is calculated and gives small merchants a prevention and gross-to-net bookkeeping playbook to stay under it.
Standard Mileage Rate vs. Actual Expenses in 2026: How to Keep Every Business Mile Deductible at 76 Cents
The 2026 IRS business mileage rate is 72.5 cents January–June and 76 cents July–December. This guide compares the standard mileage and actual expense methods, explains the year-one lock-in rules and five-vehicle fleet restriction, and details the five-element log an audit requires.
SBA Is Ending the 8(a) Social Disadvantage Presumption: What the New Test Means for Your Federal Contracting Plans
SBA's June 11 proposed rule and August 11 final rule eliminate the rebuttable presumption of social disadvantage for 8(a) applicants. Learn the new three-actor test, who it affects, the September 10 effective date for pending applications, and the DCAA-ready bookkeeping controls you need before your first set-aside award.
Revenue-Based Financing vs. Merchant Cash Advance: What You're Really Paying and How to Keep the Books Clean
A $50,000 advance at 1.30x costs $15,000 either way — but repaid over 20 months at 8% of revenue it annualizes near 18%, while the same fee via $400 daily debits over 7 months behaves like 80%+ APR. Learn how to convert factor rates to comparable APRs, when RBF vs. MCA fits, and the liability and processor-reconciliation entries that keep your books honest.
QuickBooks Online Just Raised Advanced to $340 a Month — What to Do Before Your Next Bill
Intuit raised QuickBooks Online prices on August 1, 2026 for renewals — Essentials to $85, Plus to $140, and Advanced to $340 a month (70%). Learn which plans changed, how the per-user and per-company math stacks up, the 12-month renew-vs-downgrade-vs-switch framework, and the bookkeeping checklist to keep your audit trail and cutoff clean.
PepsiCo Q2 2026 Earnings: $23.0 Billion Revenue and 137% EPS Surge Even as North America Beverage Volume Slides 4%
PepsiCo Q2 2026: $23B revenue, $2.59B net income, EPS +137% YoY even as North America beverage volume fell 4% — tracked via public Beancount ledger FY2021–FY2026Q2.
Payoneer Is Adding Stablecoin Payouts in 2026: A Practical Bookkeeping Guide for Cross-Border Sellers
Payoneer will add Bridge-powered USDC and USDT payouts in 2026. Learn how cross-border sellers save on FX and wire fees, what GENIUS and FASB changes mean, and how to book stablecoin receipts at FMV, track FIFO lots, and reconcile Payoneer, blockchain, and bank statements.