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Small Business

Financial management strategies and tools for small business owners

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11 min read

Colorado's Honest Pricing Law Is Now in Effect: What HB25-1090's All-In Price Rule Means for Your Business

Colorado's HB25-1090 took effect January 1, 2026, requiring any business that advertises a price to Colorado customers to show the maximum total including every mandatory fee, displayed more prominently than any other price. Violations are deceptive trade practices under the Colorado Consumer Protection Act — up to $20,000 per violation, treble damages in private suits, and 18% compounded interest on unlawful rental fees.

Mike Thrift

junk-feesall-in-pricingpricing-transparency
12 min read

Customs Bonds for New Importers: When a Single-Entry Bond Beats a Continuous Bond

A U.S. continuous customs bond must be at least $50,000 or 10% of the prior year's duties, taxes, and fees, whichever is greater, while a single-entry bond equals shipment value plus estimated duties and fees. This guide shows where the break-even falls (about four entries a year), why ocean freight needs a separate ISF bond, and how to book duties, MPF, HMF, and bond premiums as landed cost.

Mike Thrift

customstariffstrade-finance
8 min read

Czech Employers Must Register New Hires Before Their First Day: What Changed on July 1, 2026

From July 1, 2026, Czech employers must register every new hire with the ČSSZ before the employee starts work — the old eight-day post-start window is gone. This guide covers the partial-registration option for Czech workers, the stricter foreign-worker rules, the JMHZ monthly report behind the change, penalties up to CZK 10 million, and a seven-step onboarding checklist.

Mike Thrift

payrollcompliancehiring
10 min read

FMCSA's Non-Domiciled CDL Crackdown and Dalilah's Law: The 2026 Driver-Verification Checklist for Carriers and Brokers

The March 16, 2026 FMCSA final rule limits non-domiciled CDLs to H-2A, H-2B, and E-2 drivers with SAVE verification, roadside English-proficiency failures are out-of-service violations, and penalties for permitting a disqualified driver to operate top $23,000 each — here are the five checks carriers and brokers should run before every dispatch.

Mike Thrift

truckingcomplianceregulatory
12 min read

When "Free" Isn't Free: What the FTC's $60 Million Instacart Settlement Means for Your Pricing, Guarantees, and Free Trials

The FTC's December 2025 Instacart settlement priced three common practices at $60 million in refunds — "free delivery" with a mandatory service fee, a satisfaction guarantee paid out in credits, and trials converting without express consent — and this checklist maps each allegation onto disclosure, guarantee, and ROSCA subscription rules small businesses must follow.

Mike Thrift

complianceconsumer-protectionjunk-fees
13 min read

Terminated for Convenience: What FAR Part 49 Still Pays You

A federal termination for convenience is not a lost contract — it is a settlement claim. This guide covers the three deadlines (120 days for inventory schedules, one year for the final proposal, 90 days for an equitable adjustment), the four cost buckets plus recoverable settlement expenses, the SF 1435/1436/1438/1439 forms, and the cost segregation that decides how much you actually recover.

Mike Thrift

government-contractingcontractscompliance
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