This is a multi-part message in MIME format. ---------------------- multipart/alternative attachment Tom, there is a God when I agree with Willem Blees word-for-word(Hi = pal!)..actually, I will go him one better: He, and Clyde, suggested having 2 checking accounts..and you really = must..I have 3. Why? - 30% of my income goes into my 'tax' account' to = pay Quarterly taxes, any Conference registrations, Insurances, = surprises, etc. This account actually maintains a higher balance than my = personal account, and I personally like that. I think of it as a = Business/Personal safety net account. This was suggested by my = accountant many years ago, and it wasn't until this year that I actually = started doing it. I wish I would have started it many years ago. If you're really good at accounting for the things that I have = seperately in this account, then it is not necessary. The sad truth is = most of us are not ready for the surprises, and that's what this account = is set up to do. I would also suggest getting yourself an accountant that is a CPA. It = may cost you a little more to retain their services, but what that = person will save you in money and agony is well worth the price. Be a redundant recoed keeper and get yourself a good CPA. You'll be = fine. Phil ---------------------- multipart/alternative attachment An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/pianotech.php/attachments/17/9f/cd/34/attachment.htm ---------------------- multipart/alternative attachment--
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