#small-business
Financial management strategies and tools for small business owners
Peru's 18% IGV on foreign digital services took effect Dec 1, 2024 via Legislative Decree 1623. Learn when Upwork and Fiverr must withhold, how SUNAT's Supreme Decree 157-2024 works, and what Peruvian freelancers must still file.
The BIR now requires freelancers, influencers, and online sellers to register, display a Registration Seal Badge, and choose between 8% gross or graduated + percentage/VAT. RMC 97-2021 and 500 influencers probed are the backdrop.
A PLESA is a Roth emergency-savings account embedded in a 401(k), capped at $2,500, with tax- and penalty-free withdrawals employees can take any month. This guide covers how SECURE 2.0 pension-linked emergency savings accounts work for small businesses — the contribution rules, the match wrinkle, the compliance checklist, and whether adding one in 2026 is worth the cost.
Pool service profit is route density plus chemical control. Learn how to separate chemical COGS from labor, price the three chemical models, and track stops-per-day and revenue-per-route.
Pre-need funeral payments are not revenue until service — they're trust liabilities. Accrual, revenue recognition, and compliance for 2026.
Ramp: freelancer marketplace spend fell 0.66%→0.14% while AI model spend rose to ~3%; top freelancer spenders shifted fastest — what it means for hiring.
Ramp launched Stack June 3, 2026 — an AI operating system for accounting firms that deploys agents for close, reconciliations, and journal entries. Learn what it automates and where human review remains.
QCDs up to $111,000 in 2026 let IRA owners 70½+ give directly to charity, satisfy RMDs, and exclude the distribution from income.
KPMG's 2026 tariff survey found 55% of businesses plan further price hikes, while reshoring remains rare — only a slow shift from evaluation to execution. Learn why manufacturers prefer hikes to moving.
Colorado charges $0.29 per retail delivery and Minnesota $0.50 on orders $100+ — separate from sales tax. Thresholds, collection, and bookkeeping for 2026.
June 24 2026 SAFE Banking reintroduced (38 pages) — safe harbor for banks serving state-legal cannabis, plus loans, debit, and mortgage access.
The SBA suspended 7,800 Wisconsin borrowers tied to $375M in suspected PPP/EIDL fraud — part of a $10B+ nationwide sweep. Learn what legitimate borrowers should verify now and how to respond if flagged.
