Richard Moy

Richard Moy

Finance Writer, Ramp

Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.

Articles by Richard Moy

What is stock dilution in finance, and how to manage It effectively

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What is stock dilution in finance, and how to manage It effectively
Stock dilution is an important concept for finance leaders and business owners to understand if they have a future IPO in mind. Here's what to know about it, how to manage it, and what factors can contribute to it.
Liabilities vs. expenses: How they differ and how to manage them effectively

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Liabilities vs. expenses: How they differ and how to manage them effectively
We define the distinction between liabilities and expenses and illustrate how to properly categorize and manage them with real-world examples.
How to track, manage, and reduce your overhead costs

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How to track, manage, and reduce your overhead costs
In this article, we dive into the ins-and-outs of overhead costs and explain how you can manage them better and reduce them in the long term.
How to calculate (and interpret) break-even point

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How to calculate (and interpret) break-even point
Learn how to calculate and interpret your break-even point to set smarter prices, control costs, and guide better financial decisions for your business.
5 best employee credit cards of May 2025

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5 best employee credit cards of May 2025
Employee credit cards help eliminate reimbursements and make it easier to track expenses. See our list of the best company credit cards for your employees.
What does 0% APR mean for credit cards?

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What does 0% APR mean for credit cards?
What does 0% APR mean? Find out how business credit cards with 0% APR work in this guide and how to qualify for one.