Cash Concentration vs. Notional Pooling: Stop Letting Idle Cash Sit in the Wrong Account
Cash concentration sweeps idle balances into one master account daily; notional pooling only nets interest on paper. For small business, sweep accounts win.
Blog
Plain-text accounting insights, tutorials, and updates from the Beancount.io team.
Business Credit Card Reconciliation: How to Match Statements to Receipts and Catch Fraud Early
Match every card charge to a receipt and a business purpose each month, so fraud surfaces in weeks and every deduction stays defensible.
Break-Even Analysis in Units and Dollars: Your Minimum Viable Sales Number
Break-even units equal fixed costs divided by contribution margin — run it in units and dollars, then guard it with a margin of safety.
Book vs. Tax Accounting: Why Your Profit and Your Taxable Income Are Never the Same Number
Book profit and IRS taxable income differ by design — meals at 50%, fines at zero, MACRS timing gaps. Reconcile both before setting estimated payments.
Your Bank Statement PDF Just Became a First-Class Accounting Input
AI now turns statement PDFs into ledger entries, sidestepping broken bank feeds — data capture is automated, but review and reconciliation stay human.
Accounts Receivable Line of Credit vs. Invoice Factoring: Which Turns Unpaid Invoices Into Cash?
An AR line of credit lends against your invoices; factoring buys them outright. Compare annualized costs, funding speed, and whose credit matters.
The Accounts Payable Aging Report: What Your 30/60/90-Day Buckets Say About Cash Flow
The AP aging report sorts unpaid bills into 30/60/90-day buckets; read it weekly to dodge late fees, capture early-pay discounts, and forecast cash needs.
Accountable vs. Nonaccountable Reimbursement Plans: The 60-Day and 120-Day Rules That Decide Whether Reimbursements Hit the W-2
IRS accountable plans need a business connection, substantiation within 60 days, and excess advances back in 120 — miss one and reimbursements become W-2 wages.
Who Is Hosted Beancount Really For?
Hosted Beancount isn't just for programmers. Small-business owners, accountants, and non-technical users get the most out of plain-text books without the setup.
Your Invoices Could Soon Pay Themselves: What Autonomous AP Means for Your Small Business
Autonomous AP software codes, matches, and pays invoices with humans touching only exceptions, cutting processing costs from ~$15 to under $3 per invoice.
You Paid Off the Loan but the UCC-1 Is Still on File: Getting the UCC-3 Termination That Clears Your Collateral
A paid-off loan leaves its UCC-1 live until the lender files a UCC-3 — demand it in writing and the 20-day release clock starts.
Trinidad and Tobago's New Landlord Business Surcharge: What Rental-Income Small Businesses Owe Starting 2026
Trinidad and Tobago taxes landlords 2.5–3.5% of gross quarterly rent: BIR registration, quarterly deadlines, penalties, and the annual income-tax credit.