By the way....... Oddly incorporating allows many more tax benefits, limits your social security/self employment tax....Yeah, cool aye? as well as liability protection. You can cut your Tax bill in half or more going from a sole proprietor to ans S corp or C. corp. It is especially beneficial if you own your own building currently. Understand ALL the ramifications of doing this before you make the jump. Call me if you want to know more. Dale S. Erwin www.Erwinspiano.com Custom restoration Ronsen Piano hammers Join the Weickert felt Revolution 209-577-8397 209-985-0990 -----Original Message----- From: Ryan Sowers <tunerryan at gmail.com> To: pianotech at ptg.org Sent: Wed, Dec 8, 2010 8:59 am Subject: Re: [pianotech] disability insurance Hmmm. My wife was talking to our insurance agent about it, and it does sound like they don't pay right away. Then what's the point? I'll seriously consider your advice. We've been thinking about incorporating anyways. How much does it cost to pay into workman's comp? Thanks Dale! On Wed, Dec 8, 2010 at 8:48 AM, Dale Erwin <erwinspiano at aol.com> wrote: Ryan We used to carry it and over time the rates went sky high and when I did need it they fought me at every step. No reimbursement for about 2 months either. I had paid premiums for a long time too. Incorporate, work for the corp. and pay workmans comp. (I hate them) but Its cheaper in the long run Dale S. Erwin www.Erwinspiano.com Custom restoration Ronsen Piano hammers Join the Weickert felt Revolution 209-577-8397 209-985-0990 -----Original Message----- From: Ryan Sowers <tunerryan at gmail.com> To: pianotech at ptg.org Sent: Wed, Dec 8, 2010 8:44 am Subject: [pianotech] disability insurance The "Pain Hurts" thread reminded me that I've been meaning to discuss disability insurance with the list. I've been seriously contemplating carrying it. I worry about getting injured and being out of work for a couple of months or more. With a family of 5 and lots of bills the though of not working for more than a couple of weeks freaks me out. I'm wondering if others carry it, and how much they pay? -- Ryan Sowers, RPT Puget Sound Chapter Olympia, WA www.pianova.net -- Ryan Sowers, RPT Puget Sound Chapter Olympia, WA www.pianova.net -------------- next part -------------- An HTML attachment was scrubbed... URL: <http://ptg.org/pipermail/pianotech.php/attachments/20101208/03b4e20a/attachment.htm>
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