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    Author: Bhupinder Bajwa

    What Percent Of Revenue Should Go To Payroll? A Comprehensive Guide

    What Percent Of Revenue Should Go To Payroll? A Comprehensive Guide

    Every thriving small business owner in the US, particularly those entrepreneurs known for their ambition and sharp decision-making, understands a fundamental truth: employees are your greatest asset, but their cost is your greatest operational expense. If you've asked, "What percent of revenue should go to payroll?" you've pinpointed the single most important ratio for judging your business's financial health, efficiency, and long-term viability. This calculation—your Payroll-to-Revenue Ratio—is more than just a number; it’s a direct indicator of your operational stability and capacity for profitability. Get this ratio right, and your business operates as…continue reading →
    Horizontal Or Vertical Growth: Which Is Best For Your Business?

    Horizontal Or Vertical Growth: Which Is Best For Your Business?

    The American dream often begins with a great idea and a relentless spirit. For many South Asian immigrants in the USA, establishing and growing a business is not just about financial success; it's a testament to resilience, a commitment to family wealth, and a way to cement a legacy. But once the business is stable, the most critical strategic fork in the road appears: How should you scale? This is the entrepreneur's dilemma: Is it better to grow Horizontal—expanding outward to capture a larger share of the existing market, or to grow Vertical—integrating…continue reading →
    Can Debt Follow You To Another Country? What You Need To Know

    Can Debt Follow You To Another Country? What You Need To Know

    • November 30, 2025
    • / Debt
    The decision to relocate from the United States, whether temporarily or permanently, often carries a significant, complex question: Is my debt in the US a global liability? For many South Asian individuals residing and working in the US, this is more than just a financial concern; it touches upon family honor, protecting assets back home, and securing future financial stability. The complexity is amplified by the fact that you may hold US-based debts (credit cards, student loans, or mortgages) while having deep-seated financial ties and assets in countries like India, Pakistan, or Bangladesh.…continue reading →
    Credit Counseling Vs. Debt Settlement: Pros And Cons

    Credit Counseling Vs. Debt Settlement: Pros And Cons

    The journey to financial prosperity in the United States, especially for South Asian immigrants and first-generation Americans, often comes with unique challenges. The drive to succeed, support family both here and abroad, and invest in a better future can sometimes lead to accumulating substantial debt in a complex U.S. financial system. You've worked hard to build a life here, and carrying the weight of credit card balances, personal loans, or medical bills can be incredibly stressful, impacting not just your bank account but your mental peace. This stress is often compounded by cultural…continue reading →
    How To Settle Medical Debt In 2026: A Step-By-Step Guide

    How To Settle Medical Debt In 2026: A Step-By-Step Guide

    Medical debt is not just a financial hurdle; it is a profound burden that impacts personal well-being, credit standing, and family security. For South Asian residents in the U.S., the stress of unexpected medical bills often carries the added weight of preserving reputation and protecting family assets. If you are carrying medical debt, 2026 is the year to act decisively. Why? Because the landscape of healthcare financing and credit reporting is undergoing a profound shift. The Consumer Financial Protection Bureau (CFPB) has finalized rules designed to remove or prohibit the use of most…continue reading →
    How Credit Card Debt Is Split In A Divorce: What You Need To Know

    How Credit Card Debt Is Split In A Divorce: What You Need To Know

    Divorce brings an immediate and often overwhelming wave of emotional and financial shock. For South Asian Americans navigating this complex legal process, the financial stress is compounded by the intricacies of US debt law and significant cultural pressures. It’s essential to understand that credit card debt is treated differently from other assets and liabilities, and the rules governing its division are intricate and non-negotiable by the creditor. As a professional debt relief and financial management expert with experience assisting the South Asian American community, I understand the unique challenges you face. I recognize…continue reading →
    Biblical Principles Of Debt: What The Bible Says About Borrowing

    Biblical Principles Of Debt: What The Bible Says About Borrowing

    • November 27, 2025
    • / Debt
    For many South Asian individuals and families thriving in the competitive landscape of the US, the pursuit of financial success is often entangled with the burden of debt—whether it's managing large mortgages, student loans, or navigating cultural expectations for spending. This pressure can create significant stress, a concern that transcends mere economics and touches the very core of our well-being and faith. As a financial expert, I understand that true, lasting debt relief requires more than just a budget spreadsheet; it demands a foundational change in perspective. The Bible offers timeless wisdom, providing…continue reading →
    How Debt Affects Families: A Path To Peace And Healing

    How Debt Affects Families: A Path To Peace And Healing

    For South Asian families in America, the pursuit of the American Dream often comes with a complex set of financial realities. We strive for success, education, and prosperity, yet beneath the surface of hard work and community pride, a silent epidemic is growing: overwhelming family debt. This financial stress isn't just about numbers; it's a deep-seated emotional and cultural conflict that can erode the foundations of the family unit. As a certified professional specializing in financial management and debt relief, I understand that for the South Asian American community, debt is often magnified…continue reading →
    Hidden Risks Of Merchant Cash Advances For Small Businesses

    Hidden Risks Of Merchant Cash Advances For Small Businesses

    In the dynamic and often demanding landscape of the American economy, cash flow is the lifeblood of every small business. For many owners, particularly those in the vibrant and entrepreneurial South Asian community operating in high-volume sectors like retail, convenience stores, and hospitality, the sudden need for capital is a constant reality. An unexpected equipment breakdown, a large inventory order, or the cost of seasonal staffing can create an urgent funding gap that traditional banks, with their lengthy approval processes, simply cannot fill in time. This immediate need has given rise to the…continue reading →
    Debt Relief Programs For People With Low Income: What Works

    Debt Relief Programs For People With Low Income: What Works

    We understand the unique weight you carry. Moving to the USA often comes with the promise of opportunity, but for many South Asian families, it also introduces a complex financial tightrope walk. You are navigating the high cost of living in a new country while often balancing the deeply felt cultural obligation of sending remittances home to support family. When debt mounts in this scenario, the pressure isn't just financial; it touches on pride and responsibility. You are not alone in this struggle, and acknowledging it is the powerful first step toward change.…continue reading →