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Written for the person holding the nail gun

We are a small agency that builds and runs software for home-service contractors, so most of what is here comes out of a real conversation with a real fence builder or pressure washer who was losing money in a specific, fixable place. Every number we cite is sourced or labelled as our own assumption. Nothing here requires you to buy anything.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

The December Tax Checklist for Contractors

A few tax moves only work if they happen by December 31, and a few January deadlines go easier if you start now. Equipment placed in service, cash-method timing, retirement plan dates, the two 2026 mileage rates, W-9s for the new $2,000 1099 line, and the January 15 payment.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

Buying or Leasing the Work Truck

Compare a truck loan and a lease over the same three years, with the mileage cap, turn-in charges and resale value in the math, then the tax rules that differ: lease payments, the inclusion amount, the standard mileage rate on a lease, and Section 179 on a purchase.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

Check Fraud and Stolen Mail: Protecting Customer Payments

A customer mails your check and someone else cashes it. How the mail-theft check scheme works, what FinCEN and the Postal Inspection Service report, the habits that keep your payments out of the mail, and what to do, step by step, when a check goes missing.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

Disaster Readiness for a Small Contractor

For a small contractor, the shop, the truck and one laptop are the business. An afternoon's plan: back up what you cannot rebuild, close the insurance gaps flood leaves, know what the SBA and IRS offer after a declared disaster, and a first-week list.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

The Five Numbers to Look at Every Week

Cash on hand, money owed to you, weeks of booked work, close rate and gross margin: where each number comes from, how to work it out in fifteen minutes on a Monday, and what to do when one of them turns the wrong way.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

How Many Competitors Are in Your County? Free Census Data

Three free Census Bureau datasets count the shops in your trade, county by county: the ones with a payroll, the one-person outfits, and the new businesses starting up. How to find your trade's code, read the numbers, and compare your county with the country.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

Passwords, Two-Factor and Phishing for a Two-Person Office

In a small contracting business the email, bank and payment accounts are the business. The four protections federal agencies put first (a password manager, two-factor login, automatic updates and tested backups) and how to spot the phishing that gets past them.

A twelve-month bar chart of contractor revenue with a tall summer peak and a deep winter trough
Business

The Qualified Business Income Deduction for Trade Businesses

Sole proprietors, partners and S corporation owners in the trades can often deduct up to 20% of their business profit. Who qualifies, why trades are not specified service businesses, the 2025 and 2026 income limits, how wages and an S corp salary change it, and what the 2025 law changed.

Field Notes by email

One email a week with the week's Field Notes. Unsubscribe in one click. We never sell or share your address.

We email you a link to confirm first. What we keep, and for how long.

What we write about

Six subjects, because those are the six places we watch contractors lose money.

What you will find here

  • Real arithmetic you can check, with the assumptions labelled
  • Advice that works whether or not you ever buy from us
  • Competitor pricing quoted from public pages, with the date on it
  • Short posts. Five to seven minutes, written to be read at lunch

What you will not

  • Invented customer quotes or made-up success metrics
  • “10 Growth Hacks” posts written to catch a search phrase
  • Statistics with no source and a suspiciously round number
  • A pop-up asking for your email before you have read a sentence

Got a question we should answer?

If something on the business side of your trade is costing you money and nobody has written it down clearly, send it over. We would rather write the post you actually need than guess at a topic. No email capture required — just ask.

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