Small Business
How Many Months of Expenses Should a Business Hold in Cash?
The personal-finance rule of three to six months translates badly to a business — the right reserve depends on how fast your revenue can stop.
Tanya Brooks
Small Business
Decisions that land on an owner's desk with no department to hand them to: pricing, hiring, leases, insurance, credit terms, and the cost cuts that do lasting damage. Each piece works from real figures at small-company scale. Written for owners, managers and advisers of firms under fifty staff.
Small Business
LLC or Sole Proprietorship: The Tax Differences That Matter
An LLC is not a tax classification — it is a liability shell that borrows someone else's — and the distinction decides what you file, and what you owe.
Tanya Brooks
Small Business
Merchant Processing Fees, Itemized: Where Your Margin Goes
Every card sale pays three parties — the issuer, the network, and your processor — and knowing which fee is which is the difference between negotiating and guessing.
Tanya Brooks
Small Business
Business Credit Card or Line of Credit: Which Gap Are You Filling?
Both are revolving credit, but they are built for different jobs — using a card for what a credit line should do costs real money, and vice versa.
Tanya Brooks
Small Business
What Your Inventory Turnover Ratio Is Trying to Tell You
Turnover is the quiet governor of retail and wholesale cash — too slow and cash rots on shelves, too fast and you're losing sales to empty ones.
Tanya Brooks