#small-business
Financial management strategies and tools for small business owners
Medicare pays roughly $65 per patient per month for CPT 99490, but only after documented consent, an initiating visit, and an electronic care plan are in place.
Terminating a 401(k), SEP, or SIMPLE IRA requires 100% vesting, full asset distribution, and a final Form 5500 due seven months after the last payout.
Counterfeits you accept are your loss — no reimbursement. Train cashiers on feel-look-tilt checks, UV verification, and Secret Service Form 1604 reporting.
US exotic rentals need roughly 60% utilization — about 18 days a month — to clear insurance, financing, and the $4,000–$6,000 a car loses in value monthly.
The US Federal Bonding Program issues free $5,000–$25,000 fidelity bonds covering an at-risk hire's first six months — no premium, no deductible.
Fence and deck jobs lose margin between bid day and build day — price by the unit, book deposits as liabilities, and run a monthly WIP even on two-week jobs.
Roughly 5–6% of carrier bills are calculated inaccurately — match each freight invoice to its contract and BOL, then dispute overcharges within 180 days.
A hot shop furnace burns 24/7, so book fuel as fixed overhead, not COGS — then price each piece on revenue per furnace-hour, sellable yield, and color cost.
Seasonal hires get full FLSA protection: overtime past 40 hours, the highest applicable federal, state, or city minimum wage, and Form I-9 within three days.
Illinois HB 228 requires all-in pricing from January 1, 2027 — mandatory fees belong in the advertised price; only taxes, government fees and shipping stay out.
IRS CP501, CP503 and CP504 arrive in a fixed sequence — CP504 is the Notice of Intent to Levy, and the final notice gives 30 days to file Form 12153.
IRS TIN Matching is free and catches name/TIN mismatches before you file 1099s — each bad return can cost up to $340 plus 24% backup withholding.
