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    Gross Or Net Income: What Is The Difference?

    Gross Or Net Income: What Is The Difference?

    Moving to the United States offers incredible professional opportunities, yet it often comes with a steep learning curve—especially when navigating the complex world of American personal finance. For many South Asians in the US, this challenge is compounded by the responsibility of managing financial obligations here while also supporting family and remitting funds back home. You are juggling US rent, student loans, or credit card bills alongside the commitment to your loved ones overseas. In this high-stakes financial environment, the single most critical distinction you must master is the difference between Gross Income…continue reading →
    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 →
    What to Do If You’re Unemployed and Can’t Pay Bills?

    What to Do If You’re Unemployed and Can’t Pay Bills?

    Losing a job is one of life’s most profound stressors, immediately replacing stability with a gnawing uncertainty. If you are an unemployed individual in the United States and find yourself unable to pay your bills, that stress is often magnified. For members of the South Asian community in the USA, this burden carries additional weight. The pressure to maintain Izzat (honor/reputation), the financial responsibility of multi-generational households, and the critical obligation of sending remittances (money back home) can make a temporary setback feel like a personal and familial crisis. We understand that fear,…continue reading →