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Cash Flow

Track and optimize cash flow for better financial health and stability

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Zscaler FY2026 Q4: $898M Revenue, $3.8B ARR, and a 23% Free-Cash-Flow Margin

Zscaler's fiscal Q4 2026 (ended July 31, 2026) posted $898 million of revenue (+25%), ending ARR of $3.77 billion, and a full-year 23% free-cash-flow margin against a $63 million GAAP net loss. Deferred revenue of $2.93 billion and RPO of roughly $7.4 billion carry the growth signal before the income statement recognizes it — modeled FY2022–FY2026 in a public Beancount ledger alongside CrowdStrike and Palo Alto Networks.

mike

zscaleropen-ledgerfinancial-analysis

Conditional vs. Unconditional Lien Waivers: Which One to Sign, and When

A lien waiver comes in four forms, and two words decide whether you kept your lien rights. Conditional waivers release rights only if the payment clears, so they go out with the invoice; unconditional waivers release immediately whether or not you are paid, so they go out only after funds clear the bank. Includes the through-date, retainage, and preliminary-notice rules that make the system hold up.

mike

constructionlegalcontracts

How Long Is a Check Good For? The Six-Month Stale-Check Rule, Stop-Pay and Reissue, and Escheatment

Under UCC 4-404 a bank may refuse a check presented more than six months after its date — but it may also pay it in good faith and charge your account. A "void after 90 days" legend binds the payee, not the bank. Here is how to age outstanding checks, place a six-month stop-payment order (14 days if oral), reissue safely, and report uncashed checks as unclaimed property.

mike

bankingreconciliationunclaimed-property

Switzerland Now Lets Small Businesses File VAT Once a Year: Should You Switch?

Since January 2025, Swiss businesses with taxable turnover up to CHF 5,005,000 and three clean filing periods can elect one annual VAT return through the SFTA ePortal instead of quarterly returns, but still pay advance installments on May 30, August 30 and November 30. Here is who qualifies, why the end-of-February election deadline matters, when quarterly filing is the better cash-flow choice, and the monthly bookkeeping habits that make annual filing safe.

mike

vattax-compliancesmall-business

Window Screen and Screen Door Repair Bookkeeping: Costing Every Stop, Tracking Every Roll, and Surviving the Winter Trough

A bookkeeping guide for window screen and screen door repair businesses. Separate revenue lines for rescreens, frame rebuilds, doors and landlord contracts; track mesh by grade (fiberglass, aluminum, solar, pet-resistant) as cost of goods sold; log mileage per stop at the 2026 IRS rate of 72.5 to 76 cents; and bank spring surplus to cover three to four months of fixed costs through winter.

mike

bookkeepingsmall-businesstrades

Running an AI Red-Teaming Consultancy: Bookkeeping for $8K-to-$150K Engagements and Monthly Retainers

AI red-teaming firms bill two ways — $8,000-to-$150,000 project engagements and $1,500-to-$15,000 monthly retainers — and the books must keep them apart. A practical guide to the chart of accounts, ASC 606 treatment of deposits and milestones, per-engagement job costing, utilization and realization targets, 13-week cash forecasting, and contractor tax compliance.

mike

consultingrevenue-recognitiondeferred-revenue

After the DMEPOS Freeze: What the 2026 CMS Fraud Crackdown Means for Your Medical Supply Business

CMS froze new DMEPOS Medicare enrollment from February 27 to August 27, 2026, barred 11 suppliers tied to $3.4 billion in suspected fraudulent billing, and suspended $5.7 billion in Medicare payments during 2025. Here is what actually changed for legitimate medical supply businesses and the seven billing and bookkeeping controls that keep claims paid and supplier numbers intact.

mike

healthcarecompliancefraud-prevention

Bridal Makeup Artist Bookkeeping: How to Track Your Kit, Travel Fees, and Wedding-Season Cash Flow

A working bookkeeping system for freelance and bridal makeup artists — separate business accounts, retainers recorded as liabilities until the wedding day, kit split into consumables versus equipment, mileage logged at the 2026 IRS rates of 72.5 and 76 cents per mile, and a peak-season reserve sized to cover the roughly six quiet months outside the May–October wedding window.

mike

beautyfreelancebookkeeping

California's New 5% Retention Cap: What Contractors Must Change About Retainage in 2026

California SB 61 caps retention on private construction contracts signed on or after January 1, 2026 at 5% per progress payment and 5% of the contract price in total, down from the 10% industry norm — here is who it covers, the residential and bonding exceptions, and how to rebuild your retainage receivable schedule so the freed-up cash actually reaches your account.

mike

constructioncash-flowcalifornia

Foreign Trade Zones for Small Importers: Defer Duties, File Weekly, and Fix Inverted Tariffs

A Foreign Trade Zone defers duties until goods enter U.S. commerce, consolidates a week of shipments into a single Merchandise Processing Fee (capped at $651.50 for FY 2026 rather than charged per entry), and — with FTZ Board authorization — lets you elect the lower finished-good rate when component tariffs are inverted. Small importers reach all three as users of a 3PL magnet site, without activating a zone of their own.

mike

tariffscustomsinternational
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