<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML xmlns="http://www.w3.org/TR/REC-html40" xmlns:v = "urn:schemas-microsoft-com:vml" xmlns:o = "urn:schemas-microsoft-com:office:office" xmlns:w = "urn:schemas-microsoft-com:office:word" xmlns:st1 = "urn:schemas-microsoft-com:office:smarttags"><HEAD> <META http-equiv=Content-Type content="text/html; = charset=iso-8859-1"> <META content=Word.Document name=ProgId> <META content="MSHTML 6.00.2900.2802" name=GENERATOR> <META content="Microsoft Word 10" name=Originator><LINK href="cid:filelist.xml@01C610AF.FDBCAE00" = rel=File-List><o:SmartTagType name="time" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype><o:SmartTagType name="date" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype><o:SmartTagType name="PostalCode" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype><o:SmartTagType name="State" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype><o:SmartTagType name="City" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype><o:SmartTagType name="place" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:SmartTagT= ype> <STYLE>  </STYLE> </HEAD> <BODY lang=EN-US style="WORD-WRAP: break-word; tab-interval: .5in; khtml-nbsp-mode: = space; khtml-line-break: after-white-space" vLink=blue link=blue bgColor=white> <DIV><FONT face=Arial>HI everyone.</FONT></DIV> <DIV><FONT face=Arial>Man I'm enjoying this list.  Although = during the day I wish I was out tuning rather than e-mailing, but I'm promoting hard = believe me.  With at least 8 other tuners in the South Bend area, its a challange.  </FONT></DIV> <DIV><FONT face=Arial></FONT> </DIV> <DIV><FONT face=Arial>I wanted to know what everyone's take is on the = method of cracking the unisons, or shimming them as some call it.</FONT></DIV> <DIV><FONT face=Arial>Marshall</FONT></DIV> <DIV><FONT face=Arial>p.s. I think the method is great, no felts to = mess with.</FONT></DIV> <BLOCKQUOTE dir=ltr style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; = BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px"> <DIV style="FONT: 10pt arial">----- Original Message ----- </DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: = black"><B>From:</B> <A title=deanmay@pianorebuilders.com href="mailto:deanmay@pianorebuilders.com">Dean May</A> </DIV> <DIV style="FONT: 10pt arial"><B>To:</B> <A = title=pianotech@ptg.org href="mailto:pianotech@ptg.org">'Pianotech'</A> </DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> Tuesday, January 03, 2006 = 9:52 PM</DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> RE: Separate = business/personal accounts?</DIV> <DIV><BR></DIV> <DIV class=Section1> <P class=MsoNormal><st1:City><st1:place><FONT face=Arial = color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial">Marshall</SPAN></FONT></st1:place></st1:City><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial">,<o:p></o:p></SPAN></FONT></P> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial"><o:p> </o:p></SPAN></FONT></P> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: Arial">It does not = have to be a business account. In fact, this is usually not desirable as banks = tend to tack on all kinds of extra charges to business accounts. Just make = sure all checks are made out to you personally and there will be no problem = depositing them into a “personal” account. If the checks are made out to a = business name, like </SPAN></FONT><st1:City><st1:place><FONT face=Arial = color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial">Marshall</SPAN></FONT></st1:place></st1:City><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: Arial">’s Piano = Service, the bank can balk at depositing them into an account that does not have = that as a DBA. <o:p></o:p></SPAN></FONT></P> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial"><o:p> </o:p></SPAN></FONT></P> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: Arial">But as far = as the IRS is concerned the main thing is that it <SPAN class=GramE>be</SPAN> a = separate account, not that it be called business account, just that it be an = account used exclusively for business. <o:p></o:p></SPAN></FONT></P> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial"><o:p> </o:p></SPAN></FONT></P> <DIV> <P class=MsoAutoSig><B><FONT face="Bradley Hand ITC" color=navy = size=6><SPAN style="FONT-WEIGHT: bold; FONT-SIZE: 22pt; COLOR: navy; FONT-FAMILY: = 'Bradley Hand ITC'; mso-bidi-font-size: 12.0pt; mso-no-proof: = yes">Dean<o:p></o:p></SPAN></FONT></B></P> <P class=MsoAutoSig><FONT face="Times New Roman" color=navy = size=3><SPAN style="FONT-SIZE: 12pt; COLOR: navy; mso-no-proof: yes">Dean = May<SPAN style="mso-spacerun: = yes">           &n= bsp; </SPAN>cell 812.239.3359<o:p></o:p></SPAN></FONT></P> <P class=MsoAutoSig><FONT face="Times New Roman" color=navy = size=3><SPAN style="FONT-SIZE: 12pt; COLOR: navy; mso-no-proof: = yes">PianoRebuilders.com<SPAN style="mso-spacerun: yes">   </SPAN>812.235.5272<o:p></o:p></SPAN></FONT></P> <P class=MsoAutoSig><st1:place><st1:City><FONT face="Times New = Roman" color=navy size=3><SPAN style="FONT-SIZE: 12pt; COLOR: navy; mso-no-proof: yes">Terre Haute</SPAN></FONT></st1:City><FONT color=navy><SPAN style="COLOR: navy; mso-no-proof: yes"> = </SPAN></FONT><st1:State><FONT color=navy><SPAN style="COLOR: navy; mso-no-proof: = yes">IN</SPAN></FONT></st1:State><FONT color=navy><SPAN style="COLOR: navy; mso-no-proof: yes"><SPAN style="mso-spacerun: yes">  = </SPAN></SPAN></FONT><st1:PostalCode><FONT color=navy><SPAN style="COLOR: navy; mso-no-proof: = yes">47802</SPAN></FONT></st1:PostalCode></st1:place><FONT color=navy><SPAN style="COLOR: navy; mso-no-proof: = yes"><o:p></o:p></SPAN></FONT></P></DIV> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: = Arial"><o:p> </o:p></SPAN></FONT></P> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Tahoma = size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Tahoma">-----Original Message-----<BR><B><SPAN style="FONT-WEIGHT: bold">From:</SPAN></B> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B><SPAN style="FONT-WEIGHT: bold">On Behalf Of = </SPAN></B>pianotune05<BR><B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> </SPAN></FONT><st1:date = Year="2006" Day="3" Month="1"><FONT face=Tahoma size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Tahoma">Tuesday, January 03, 2006</SPAN></FONT></st1:date><FONT face=Tahoma size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Tahoma"> = </SPAN></FONT><st1:time Minute="39" Hour="21"><FONT face=Tahoma size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Tahoma">9:39 PM</SPAN></FONT></st1:time><FONT face=Tahoma size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Tahoma"><BR><B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> Pianotech<BR><B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> Re: Separate = business/personal accounts?</SPAN></FONT></P> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face="Times = New Roman" size=3><SPAN style="FONT-SIZE: = 12pt"><o:p> </o:p></SPAN></FONT></P> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Arial = size=3><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: Arial">Hi everyone.</SPAN></FONT><o:p></o:p></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Arial = size=3><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: Arial">I have a seperate = account, but it's not a business account.  Would a DBA account work as I get busier?  Speaking of busy, any ideas on advertising?  I'm = not in the financial place to advertise plus we have at least 8 tuners in South = Bend that I've either met or heard of.  We may have more in South Bend =  and the surounding area.  = </SPAN></FONT><o:p></o:p></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face="Times = New Roman" size=3><SPAN style="FONT-SIZE: = 12pt"> <o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Arial = size=3><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: Arial">I like the word = mingling.  That's how I met my wife.  :)</SPAN></FONT><o:p></o:p></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Arial = size=3><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: = Arial">Marshall</SPAN></FONT><o:p></o:p></P></DIV> <BLOCKQUOTE style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: = medium none; PADDING-LEFT: 4pt; PADDING-BOTTOM: 0in; MARGIN: 5pt 0in 5pt = 3.75pt; BORDER-LEFT: black 1.5pt solid; PADDING-TOP: 0in; BORDER-BOTTOM: = medium none"> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT face=Arial = size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">----- Original Message = ----- <o:p></o:p></SPAN></FONT></P></DIV> <DIV style="font-color: black"> <P class=MsoNormal style="BACKGROUND: #e4e4e4; MARGIN-LEFT: = 0.5in"><B><FONT face=Arial size=2><SPAN style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: = Arial">From:</SPAN></FONT></B><FONT face=Arial size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: = Arial"> <A title=yardbird@vermontel.net = href="mailto:yardbird@vermontel.net">william ballard</A> <o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><B><FONT = face=Arial size=2><SPAN style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: = Arial">To:</SPAN></FONT></B><FONT face=Arial size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: = Arial"> <A title=pianotech@ptg.org = href="mailto:pianotech@ptg.org">Pianotech</A> <o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><B><FONT = face=Arial size=2><SPAN style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: = Arial">Sent:</SPAN></FONT></B><FONT face=Arial size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: = Arial"> Tuesday, January 03, 2006 8:49 PM<o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><B><FONT = face=Arial size=2><SPAN style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: = Arial">Subject:</SPAN></FONT></B><FONT face=Arial size=2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: = Arial"> Re: Separate business/personal = accounts?<o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt"><o:p> </o:p></SPAN></FONT></P></DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: = 12pt"><o:p> </o:p></SPAN></FONT></P> <DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">On Jan 3, 2006, at 2:14 PM, = Andrew and Rebeca Anderson wrote:<o:p></o:p></SPAN></FONT></P></DIV> <BLOCKQUOTE style="MARGIN-TOP: 5pt; MARGIN-BOTTOM: 5pt" = type="cite"> <P style="MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: = 0in; mso-margin-top-alt: 0in"><FONT face=Helvetica size=1><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Helvetica">Co-mingling is = what the tax-"services" call it.<SPAN class=apple-converted-space>  </SPAN>Opening a second account in the same bank usually works = well.<SPAN class=apple-converted-space>  </SPAN>Sometimes they allow = you to make electronic draws to your personal account but using a cheque is = better for record-keeping.</SPAN></FONT><o:p></o:p></P></BLOCKQUOTE> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt"><o:p> </o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">Let's not overlook having = separate business checking and savings accounts, so that when you get a = deposit on labor yet to be performed or invoices for materials yet to arrive, = that deposit can sit in the savings account and not get dissolved in the = daily ebb&flow flow in the checking account.<o:p></o:p></SPAN></FONT></P></DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: = 12pt"><o:p> </o:p></SPAN></FONT></P> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">Bill Ballard RPT<o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">NH Chapter, P.T.G.<o:p></o:p></SPAN></FONT></P></DIV> <DIV style="MIN-HEIGHT: 14px"> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt"><o:p> </o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">"I go, two plus like, three = is pretty much totally five. Whatever"<o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: 12pt">    = ...........The new math<o:p></o:p></SPAN></FONT></P></DIV> <DIV> <P class=MsoNormal style="MARGIN-LEFT: 0.5in"><FONT = face="Times New Roman" size=3><SPAN style="FONT-SIZE: = 12pt">+++++++++++++++++++++<o:p></o:p></SPAN></FONT></P></DIV></BLOCKQUOT= E></DIV></BLOCKQUOTE></BODY></HTML>