Switching 401(k) Providers? The Blackout Notice You Owe Participants
Switching 401(k) recordkeepers freezes accounts — ERISA requires a blackout notice 30 to 60 days ahead, or the DOL can assess $173 per participant per day.
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Small Business
Financial management strategies and tools for small business owners
Tech E&O Insurance: What Software Developers and IT Consultants Are Actually Covered For
Tech E&O insurance pays your legal defense and damages when buggy code, bad advice, or missed deadlines cost a client money — solo policies run $60–$110/month.
UAE Small Business Relief Ends After 2026: Your Company's Final Election, the Loss-Year Trap, and the 9% Math Ahead
UAE Small Business Relief ends for tax periods after December 31, 2026 — elect it on your final return, but skip it in a loss year to keep the carryforward.
What Happens to Your 401(k) Plan When You Sell or Close Your Small Business
To close a 401(k) when selling or shutting down: board resolution, full vesting, distribute within 12 months, file a final Form 5500.
The 9/80 Work Schedule: How to Give Every Other Friday Off Without Owing Overtime
A 9/80 schedule stacks 44 hours into one workweek unless you start the workweek mid-Friday — the FLSA never averages two weeks, so four overtime hours accrue.
A101, A201, A401: A Small Contractor's Guide to the AIA Contract Family
A401's pay-if-paid clause decides whether a slow-paying owner becomes your problem. What A101, A201 and A401 each do, and which blanks to negotiate first.
Accounts Receivable Best Practices: How to Cut Your Collection Time from 45 Days to 30
Cut DSO from 45 days to 30 with six habits - same-day invoicing, written terms, electronic payment, scheduled follow-ups, dispute triage, and credit limits.
CBP Started Voiding Importer of Record Numbers Today: Check Your Form 5106 Before Your Next Shipment Stops
CBP voids importer of record numbers immediately when Form 5106 data is inaccurate - no cure period. Verify your physical address, email, and phone now.
Chicago's Lease Tax Just Jumped to 15%: What It Means for Every Software Subscription and Equipment Lease You Pay For
Chicago's lease transaction tax rose from 11% to 15% in 2026 — Illinois businesses now owe $150 a month in city tax on every $1,000 of SaaS.
Chile Killed the Paper Receipt for Printerless Businesses: Your 2026 Guide to Digital Boleta Delivery Rules
Since 1 March 2026, printerless Chilean businesses must deliver every boleta electrónica by email, SMS, WhatsApp or QR — fines reach 500% of the sale.
Constructive Dividends, Explained: The Personal Expenses the IRS Reclassifies as Taxable Dividends
The IRS can reclassify your salary top-up, company-paid bills, and shareholder loans as taxable dividends — and deny the corporate deduction.
Teaching CPR for a Living: The Real Economics of a CPR Training Business
AHA eCards run $6–7 for BLS but about $20 for a Heartsaver combo — price each US course from its own cost card, not one flat seat price.