Oregon's $1,000-Per-Job Hiring Credit: How Small Employers Apply for the QJCTC Before October 31
Oregon's QJCTC pays $1,000 per net new job, up to $10,000, in seven industries — but 2026 applications close October 31 and certification comes first.
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Small Business
Financial management strategies and tools for small business owners
QuickBooks Ledger, Explained: The $10 Accountant-Only Plan — and How to Tell When You've Outgrown It
QuickBooks Ledger is Intuit's $10/month accountant-only GL with bank feeds but no invoicing — upgrade when receivables, inventory, or bill pay appear.
Your 1099s Have New Boxes for Tips and Overtime: A Payer's Guide to the 2026 Reporting Changes
IRS Forms 1099-NEC, 1099-MISC, and 1099-K add tip, occupation-code, and overtime boxes for 2026, plus a $2,000 reporting threshold.
Albania's Single-Client Rule: The NIPT Registration That Decides Whether You Pay 0% or 15%
Albanian freelancers pay 0% profit tax through 2029 only with a NIPT and business account — otherwise 15% on gross. The amnesty ends Dec 31, 2026.
Armenia's 2026 Tax Squeeze for Small Traders and Manufacturers: Mandatory E-Invoicing Meets Doubled Turnover Tax
Armenia taxes small traders 10% of gross turnover and manufacturers 7%, and since September 2026 every invoice must precede the goods — the compliance playbook.
Where to Keep Business Cash Above the $250,000 FDIC Limit
Business deposits above $250,000 per bank are uninsured. Split cash across banks, use ICS or CDARS sweeps, or hold T-bills to close the gap.
Buying a Small Business With an Earnout: Bridging the Valuation Gap Without Blowing Up Your Books
Earnouts pay out about 21 cents per promised dollar. Buyers book them at fair value under ASC 805; sellers report under IRS installment rules.
COGS vs. Operating Expenses: Where Freight, Packaging, and Delivery Belong
Freight-in and product packaging are COGS; freight-out, shipping boxes and delivery are selling expenses. Misfile them and gross margin can run 10+ points high.
Employer-Provided Meals Are Nondeductible in 2026: What Section 274(o) Means for Your Cafeteria, Overtime Dinners, and Break-Room Perks
Section 274(o) ended the employer meal deduction in 2026: cafeterias and convenience meals are 0% deductible, yet still tax-free to employees.
Event Cancellation Insurance: What It Covers, What It Excludes, and How to Set Your Limit
Event cancellation insurance repays sunk deposits and lost revenue when disaster strikes — but disease, weak sales, and late buys are excluded.
Selling on Credit? The FTC Holder Rule Means Your Customer's Complaints Follow the Loan
Omitting the FTC Holder Rule notice (16 CFR 433) from consumer credit contracts is the seller's violation — and buyers can assert your disputes against lenders.
Hawaii's Enterprise Zone Program Just Opened to Retail, Health Care, and IT: Is Your Small Business Now Eligible?
Hawaii's Act 182 opens 7-year enterprise zone tax breaks — full GET exemption plus an 80% income tax credit — to retail, health care, and IT firms in-zone.