I sought the LORD, and He answered me and rescued me from all my fears. Those who look to Him are radiant with joy; their faces will never be ashamed.
Psalm 34:4-5
by
Elizabeth
Sep 01, 2026
Quick Answer: A small-business worst-case plan should name someone who can make urgent decisions, explain how payroll and critical bills will be handled, identify where essential records are kept, and state what should happen if the owner cannot return. The owner’s spouse or family should also know whom to call, where the plan is located,…
by
Elizabeth
Aug 27, 2026
Quick Answer: Remote employees can help a small business hire from a larger group of people, reduce office costs, and offer more flexibility. But remote work can also make training, communication, data security, timekeeping, and payroll compliance harder. The biggest surprise is usually state compliance — an employee’s work location can create payroll tax, unemployment, workers’…
by
Elizabeth
Aug 24, 2026
Quick Answer: Watch for payroll costs that rise without a clear reason, unusual overtime, pay-rate changes without approval, payments to former or unknown employees, duplicate bank accounts, frequent manual adjustments, and direct-deposit changes that were not verified. One of the best controls is a simple owner review of the payroll register before the money leaves…
by
Elizabeth
Aug 18, 2026
Quick Answer: For many established small businesses, a practical goal is enough cash to cover 3–6 months of essential operating expenses. Three months can work for a stable business with steady income. Six months or more makes more sense when sales swing, collections are slow, payroll is high, or one customer accounts for a big share…