NYC Is Grading Your Sick-Leave Data: A Small Employer's Guide to the Prenatal Leave Enforcement Sweep
NYC compares your sick-leave use rates against CDC benchmarks; low usage triggers DCWP investigations with penalties up to $2,500 per employee.
#small-business
Small Business
Financial management strategies and tools for small business owners
Paid Tariffs That No Longer Exist? Where Small Importers Stand in October 2026
CAPE Phase 3 opened October 6 for IEEPA refunds on finally liquidated entries; U.S. importers face 10-12.5% Section 301 duties and wider Section 232 tariffs.
Your POS System Wants to Issue Your Next Business Credit Card: How Transaction-Underwritten Embedded Credit Works
Embedded cards underwrite from live sales data instead of your FICO score — faster approval, but floating limits and exit terms to read first.
The Predominant Use Study: How Manufacturers Stop Paying Sales Tax on Their Utility Bills
If 50%+ of your metered electricity or gas runs production equipment, Texas, Indiana and other states exempt the whole utility bill — plus 3–4 years of refunds.
Refund, Apply, or Split? How to Turn This Year's IRS Overpayment Into Next Year's Estimated Taxes
Applying your IRS overpayment to next year's estimates is irrevocable — take the refund, apply it forward, or split it via Form 8888 deliberately.
Skimmed at the Pump: The Fuel-Card Controls That Stop Fleet Fuel Fraud
Up to 22% of fleet fuel spend is lost to fraud. Driver PINs, gallon caps, and telematics matching stop cloned cards at the pump.
Tax-Gain Harvesting in the 0% Bracket: How Business Owners With a Low-Income Year Can Sell, Rebuy, and Reset Basis Tax-Free Before December 31
In a low-income year, long-term gains are taxed at 0% Federal rate up to $98,900 joint — sell, rebuy immediately, and reset basis before December 31.
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.
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.
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.
13th-Month Pay for Global Teams: Which Countries Mandate It, How to Prorate It, and Why You Should Accrue It All Year
13th-month pay is mandatory wages in 20+ countries, not a bonus. Accrue one-twelfth monthly or December payroll breaks your budget.
The Black Friday–Cyber Monday Accounting Playbook: Prep Your Books for Peak Volume, Record Discounts Right, and Survive the December Returns Wave
Record BFCM promo codes as contra revenue, reconcile processor payouts weekly, and accrue December's ~17% holiday returns before year-end close.