Insights. Applied.
Analysis on the Decisions That Actually Cost Money
No summaries of legislation you can read yourself. What changed, what it means for a business your size, and what to do about it.
One Remote Hire Can Create Tax Obligations in a State You Have Never Entered
Economic nexus and remote work have pulled tax obligations loose from physical presence. Hire one person in a new state and you have almost certainly created payroll withholding duties, and often income-tax nexus too.
Your Experience Modification Is Probably Wrong, and It Is Costing You
Three things drive your workers’ comp premium: payroll, class code and experience modification. Errors turn up in all three, they’re recoverable, and almost nobody checks.
Why Profitable Businesses Run Out of Cash
Profit and cash are two different numbers on two different timetables. The thirteen-week rolling forecast is the standard way to see a squeeze coming while you can still do something about it.
Long-Term Contractors Are the Classification Risk Most Businesses Ignore
The arrangement most likely to fail a worker classification test is also the most ordinary one going: a contractor who has worked full-time for the same client for years.
Your Cyber Policy Assumes Controls You May Not Have
Cyber carriers now write security preconditions into the policy as warranties. If what you said at binding isn’t true when the loss happens, the cover you paid for may not respond at all.
What a Buyer Pays Is Decided Years Before You Sell
The discounts buyers apply, for owner dependence, customer concentration and informal records, take years to remove. By the time you’re on the market, the number is mostly already set.
Subscribe
Get these when they publish.
Occasional, practical, and never more than a couple a month.