<HTML style="FONT-SIZE: x-small; FONT-FAMILY: MS Sans Serif"><HEAD> <STYLE type=text/css></STYLE> <META content="MSHTML 6.00.2900.2802" name=GENERATOR></HEAD> <BODY> <DIV> <DIV> </DIV> <DIV> </DIV> <DIV> <DIV>Paul McCloud</DIV> <DIV><A href="mailto:pmc033@earthlink.net">pmc033@earthlink.net</A></DIV> <DIV>EarthLink Revolves Around You.</DIV> <DIV> </DIV></DIV></DIV> <DIV> </DIV> <BLOCKQUOTE style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid"> <DIV style="FONT: 10pt Arial">----- Original Message ----- </DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B> <A title=pmc033@earthlink.net href="mailto:pmc033@earthlink.net">Paul McCloud</A> </DIV> <DIV style="FONT: 10pt arial"><B>To: </B><A title=Pianotech href="mailto:Pianotech	pianotech@ptg.org" pianotech@ptg.org>Richard Morgan <RSANBORNMORGAN@YAHOO.COM>, </A></DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> 01/03/2006 7:20:33 AM </DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> RE: Separate business/personal accounts?</DIV> <DIV><BR></DIV><FONT size=2> <DIV> <DIV>I'd offer this: Ask an accountant or CPA.  The IRS frowns on single accounts, since it's too easy to co-mingle the funds.  I don't know if Quicken will do what you want it to do.  How will you separate the income and expenses?  I'll be interested in the responses also.  I use Quickbooks and Quicken both.  Quickbooks works very well for business, though the bank charges more to interface with it through online access.  If I were to guess, I'd be a little cautious and get a different account.  I would think it would be easier to keep track of, and no one can criticize it if you get audited.</DIV> <DIV>Good luck.</DIV> <DIV>Paul McCloud</DIV> <DIV>San Diego</DIV> <DIV> </DIV> <DIV></DIV></DIV> <DIV> </DIV> <BLOCKQUOTE style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid"> <DIV style="FONT: 10pt Arial">----- Original Message ----- </DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B> <A title=rsanbornmorgan@yahoo.com href="mailto:rsanbornmorgan@yahoo.com">Richard Morgan</A> </DIV> <DIV style="FONT: 10pt arial"><B>To: </B><A title=pianotech@ptg.org href="mailto:pianotech@ptg.org">pianotech@ptg.org</A></DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> 01/03/2006 7:05:12 AM </DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> Separate business/personal accounts?</DIV> <DIV><BR></DIV><FONT size=2> <DIV style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman, new york, times, serif"> <DIV> <DIV>Hello, all.</DIV> <DIV> </DIV> <DIV>I'm a new tuner, after years in academia, and newly returned to the self-employed field.  How important is it to have a separate bank account for my piano tech income?  Can I achieve an appropriate level of separation using Quicken, and 'subdividing' my single bank account?</DIV> <DIV> </DIV> <DIV>This list has already been marvelously instructive, even the very long string following Susan's New Year's Rant.  As you might imagine, I am struggling with how to price myself/my services.</DIV> <DIV> </DIV> <DIV>I'll not respond to each response, but will appreciate the input each person provides.</DIV> <DIV> </DIV> <DIV>Thanks,</DIV> <DIV>Richard</DIV></DIV></DIV></FONT></BLOCKQUOTE></FONT></BLOCKQUOTE></BODY></HTML>