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<DIV><STRONG>Tom, there is a God when I agree with Willem Blees =
word-for-word(Hi
pal!)..actually, I will go him one better:</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
<DIV><STRONG>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.</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
<DIV><STRONG>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.</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
<DIV><STRONG>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.</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
<DIV><STRONG>Be a redundant recoed keeper and get yourself a good CPA. =
You'll be
fine.</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
<DIV><STRONG>Phil</STRONG></DIV>
<DIV><STRONG></STRONG> </DIV>
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