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<div class=Section1>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Hi =
Marshall,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>I started in the business by taking =
over a
client card file from a tuner moving out of state. He had built his =
business up
by running a classified ad. He was a little unscrupulous, offering a $20 =
piano
tuning (back in 1980) that usually turned into a pitch raise for 3 times =
that
amount plus a call back. And he always tried to <span =
class=SpellE>upsell</span>
with repairs/regulation that may or may not have been needed. I think I =
ended
up with about 30 clients from a card file of several hundred. =
<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Most of my <span =
class=GramE>client build</span>
up happened after I hooked up with one of the local music stores. They =
had a
regular tuner who was very good (way better than me), but he was not =
real
reliable. Plus, usually those kind of good tuners don’t like to =
mess with
the floor tunings and prepping the used trade-ins. Music stores pay a
discounted rate for that work and a good tuner may not want to =
“lose”
money doing discounted work. So I took over doing the floor tunings and
prepping used pianos while the other guy did the expensive new pianos =
and all
the in home work. It was great experience for me. I learned to tune in a =
noisy
environment, learned how to tune quickly and on a variety of pianos with =
a huge
variety of problems. Every time I ran across a new problem I learned how =
to
resolve it by studying <span class=SpellE>Reblitz</span> and calling a =
local
mentor. I rarely saw the other guy as he hardly came in the store. <span
style='mso-spacerun:yes'> </span><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>After a couple of years the store =
started
giving me the home tunings the other guy didn’t show up for =
(believe it
or not, some tuners will actually make appointments and then not show. =
<span
class=GramE>Bad, bad, bad.</span> <span class=GramE>But good for =
me).</span>
Every complaint the store got was passed to me and I quickly resolved =
every
one. They loved me. They were so impressed that pretty soon I was =
getting all
of their work. Understand it is not that they were impressed with my =
tuning <span
class=GramE>skills,</span> they were impressed by how I took care of =
people. You
see, a store like that mainly wants no complaints. You don’t have =
to have
the tuning skills of David Love, David Anderson or Dale Erwin (some of =
the
greats on this list). You just have to know how to comb your hair, show =
up on
time, take care of people and do a reasonably good job of caring for the =
piano.
The other guy had long scraggly hair and was a flaky musician. And we =
all know
how those guys are. ;-)<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Every new client I got I took care =
of. I
used a simple database program, starting with <span =
class=SpellE>SuperBase</span>
on a Commodore 64. Every month I printed out a list of people due for a =
tuning
and made phone calls to schedule. When you get a new customer, take care =
of him.
You are seeing how difficult it is to get a new customer. Don’t =
leave it
to chance that he will remember when his piano needs tuned and be able =
to find
your number when it does. Take care of him. Give him a reminder. Since =
then I now
lean more heavily on post cards and email reminders. =
<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>I have not found Yellow Page ads to =
be a
good investment. In fact, if you haven’t set up a business =
telephone, don’t
do it. Just use your home phone and your name for your business. A =
Yellow Page
listing requires a business phone line which will cost you about twice =
as much
per month. I have done the enormously expensive display ads in the =
Yellow
Pages. They didn’t generate any more new customers than the simple
listing, and the simple listing generates very few. I’ve finally
convinced the other area tuners of this and none of them do display ads =
anymore.
Most of my new clients now come from referral. I no longer work for any =
music
store. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Old customers that I haven’t =
heard
from frequently look me up in the White Pages. How do I know? They call =
me at
home, not the office. Yellow Pages are not a good value. Even though =
every piece
of mail I send my customers and every email they get <span =
class=GramE>contains</span>
the office number and my cell number, often when they are ready to =
schedule
they look me up in the White Pages and call my house. Don’t waste =
money
on Yellow Pages. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>I do know a couple of tuners that =
lived on
well traveled roads who generated a fair amount of new contacts by =
having a
small yard sign out front with a simple message: Name, “Piano =
Tuning”
followed by a phone number. I haven’t tried such an approach but =
have
been intrigued by it. I do know someone with frontage on US 41 and have =
thought
of putting up a small billboard on the corner of their property. I am =
convinced
it would do well for me or someone in our business, but I haven’t =
done it
(I guess I’m not hungry enough). Perhaps if you know of someone =
with
property frontage on a busy highway you should explore such an =
arrangement. Get
an easy to remember web site (mine is <a =
href="http://www.pianorebuilders.com/">www.pianorebuilders.com</a>.
Go to <a href="http://www.godaddy.com/">www.godaddy.com</a> to find a =
domain
name and register it cheap) or a vanity phone number so that when people =
drive
by they don’t have to write anything down, they will remember it. =
For a
vanity phone number check out <a =
href="http://www.tollfreenumbers.com/">www.tollfreenumbers.com</a>
<span class=GramE>( (</span>888)<span class=SpellE>Dalerwin</span> =
and (877)<span
class=SpellE>Dalerwin</span> are both available. Dale are you out =
there? ;-) I
am in the process of securing (888<span class=GramE>)<span =
class=SpellE>DeanMay</span></span>!
I’m so happy.) As an aside, I also found <a
href="http://www.globalfiber.net/">www.globalfiber.net</a> which has =
the lowest
long distance rates I’ve ever seen. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Direct mail to my customer base is =
working
very well for me as a tool to remind people their piano needs tuned. I =
have not
tried direct mail to targeted prospects. But I have thought that such a =
piece
might work well. One of these days I am going to try hitting all the =
churches
with a post card. You might also try mailing the schools even though I =
don’t
much like tuning for schools. Teachers tend to be snobbish, it is =
difficult to
work around classroom schedules and it takes forever to get paid. =
However there
are a few schools I take care of that don’t have those problems. =
Another
possibility for a mail piece is to piano teachers, but they can be =
pretty
snobbish, too, especially to an inexperienced tech. Just don’t =
tell them
your level of experience. ;-) <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>For mailing addresses you can use =
direct
mail companies that specialize in giving you targeted addresses. They =
aren’t
too expensive. Or you can use internet Yellow Pages which I have done =
for a
brother in the carpet cleaning business. I got him a mailing database of =
nearly
600 apartment complexes in Indy. A mailing a month to these complexes =
has
generated a huge increase in his business. Direct mail works and it is =
cheap.
BTW, we got a color laser printer (pretty cheap now) and noticed a =
dramatic
difference with a color mailing over black and white. Be sure to include =
a good
color picture of yourself. We buy card stock from Sam’s (cheap) =
that is
8.5x11. You can do 4 post card <span class=GramE>size</span> on a =
sheet or 2
5.5x8.5 cards which take a letter rate stamp. We have found the bigger =
size to
be worth the difference in cost. Just run them through the laser printer =
doing
2 to a page (use mail merge to put the addresses on at the same time) =
and then
take them to a print shop to have them cut. This is also, btw, a great =
way to
do a small run of color business cards (mine is attached). If anyone =
wants a
sample of what we do for the postcard mailers, email me privately and =
I’ll
send you the files. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>I suspect your most rewarding =
efforts will
be to try to find a couple of music stores that will let you prep their
incoming low end trade <span class=GramE>ins</span>. Their regular =
tuner hates
working on them, I guarantee it, but will probably be happy to give you =
advice
on repairing the different problems they have. This will give you great
experience working on lots of different kinds of pianos with lots of =
different
kinds of problems and should pay you around $20-$30/hour. After awhile =
you may
find the store giving you some in home referrals the other guy =
doesn’t
want to mess with. <span class=SpellE><span =
class=GramE>Niiice</span></span><span
class=GramE>.</span> <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><st1:City><st1:place><font size=2 color=navy =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>Terre =
Haute</span></font></st1:place></st1:City><font
size=2 color=navy face=Arial><span =
style='font-size:10.0pt;font-family:Arial;
color:navy'> (tare-a hoe-t) is a population of around 120,000. <span
class=GramE>Lots smaller than =
</span></span></font><st1:City><st1:place><span
class=GramE><font size=2 color=navy face=Arial><span =
style='font-size:10.0pt;
font-family:Arial;color:navy'>South =
Bend</span></font></span></st1:place></st1:City><span
class=GramE><font size=2 color=navy face=Arial><span =
style='font-size:10.0pt;
font-family:Arial;color:navy'>.</span></font></span><font size=2 =
color=navy
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p></o:p></span=
></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>Blessings,<o:p></o:p></span></font><=
/p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<div>
<p class=MsoAutoSig><b><font size=6 color=navy face="Bradley =
Hand ITC"><span
style='font-size:22.0pt;mso-bidi-font-size:12.0pt;font-family:"Bradley =
Hand ITC";
color:navy;font-weight:bold;mso-no-proof:yes'>Dean<o:p></o:p></span></fon=
t></b></p>
<p class=MsoAutoSig><font size=3 color=navy face="Times New =
Roman"><span
style='font-size:12.0pt;color:navy;mso-no-proof:yes'>Dean May<span
style='mso-spacerun:yes'> &nbs=
p;
</span>cell 812.239.3359<o:p></o:p></span></font></p>
<p class=MsoAutoSig><font size=3 color=navy face="Times New =
Roman"><span
style='font-size:12.0pt;color:navy;mso-no-proof:yes'>PianoRebuilders.co=
m<span
style='mso-spacerun:yes'> =
</span>812.235.5272<o:p></o:p></span></font></p>
<p class=MsoAutoSig><st1:place><st1:City><font size=3 color=navy
face="Times New Roman"><span =
style='font-size:12.0pt;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 size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 =
face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'>-----Original =
Message-----<br>
<b><span style='font-weight:bold'>From:</span></b> pianotune05
[mailto:pianotune05@comcast.net] <br>
<b><span style='font-weight:bold'>Sent:</span></b> =
</span></font><st1:date
Month="1" Day="3" Year="2006"><font size=2 face=Tahoma><span =
style='font-size:
10.0pt;font-family:Tahoma'>Tuesday, January 03, =
2006</span></font></st1:date><font
size=2 face=Tahoma><span =
style='font-size:10.0pt;font-family:Tahoma'> </span></font><st1:time
Hour="22" Minute="21"><font size=2 face=Tahoma><span =
style='font-size:10.0pt;
font-family:Tahoma'>10:21 PM</span></font></st1:time><font size=2 =
face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'><br>
<b><span style='font-weight:bold'>To:</span></b> =
deanmay@pianorebuilders.com;
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:.5in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;font-family:Arial'>Hi =
Dean,</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;font-family:Arial'>Thanks for the tip. =
The
account is a personal one that I use exclusivly for tuning, and I agree =
the
bank charges for the business types of accounts. My wife has a DBA for =
her
cleaning business. </span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;font-family:Arial'>You're in =
</span></font><st1:State><st1:place><font
face=Arial><span =
style='font-family:Arial'>Indiana</span></font></st1:place></st1:State>=
<font
face=Arial><span style='font-family:Arial'> too I see. Is =
</span></font><st1:City><st1:place><font
face=Arial><span style='font-family:Arial'>Terre =
Haute</span></font></st1:place></st1:City><font
face=Arial><span style='font-family:Arial'> any larger than =
</span></font><st1:City><st1:place><font
face=Arial><span style='font-family:Arial'>South =
Bend</span></font></st1:place></st1:City><font
face=Arial><span style='font-family:Arial'>? What is a good =
way to market
this business if </span></font><st1:City><st1:place><font =
face=Arial><span
style='font-family:Arial'>South =
Bend</span></font></st1:place></st1:City><font
face=Arial><span style='font-family:Arial'> has at least 8 other =
tuners, only
one music store? I'm just getting in to this, and I'm having =
trouble
breaking in through the"we already have a tuner nonsense. =
</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal =
style='margin-left:.5in'><st1:City><st1:place><font size=3
face=Arial><span =
style='font-size:12.0pt;font-family:Arial'>Marshall</span></font></st1:=
place></st1:City><o:p></o:p></p>
</div>
<blockquote style='border:none;border-left:solid black =
1.5pt;padding:0in 0in 0in 4.0pt;
margin-left:3.75pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'=
>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial'>----- Original Message =
----- <o:p></o:p></span></font></p>
</div>
<div style='font-color:black'>
<p class=MsoNormal =
style='margin-left:.5in;background:#E4E4E4'><b><font size=2
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>From:</span=
></font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> <a
href="mailto:deanmay@pianorebuilders.com" =
title="deanmay@pianorebuilders.com">Dean
May</a> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>To:</span><=
/font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> <a
href="mailto:pianotech@ptg.org" =
title="pianotech@ptg.org">'Pianotech'</a> =
<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>Sent:</span=
></font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> </span></font><st1:date
Month="1" Day="3" Year="2006"><font size=2 face=Arial><span =
style='font-size:
10.0pt;font-family:Arial'>Tuesday, January 03, =
2006</span></font></st1:date><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> </span></font><st1:time
Hour="21" Minute="52"><font size=2 face=Arial><span =
style='font-size:10.0pt;
font-family:Arial'>9:52 PM</span></font></st1:time><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial'><o:p></o:p></span></font></p=
>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>Subject:</s=
pan></font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> RE:
Separate business/personal accounts?<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
</div>
<p class=MsoNormal =
style='margin-left:.5in'><st1:City><st1:place><font size=2
color=navy face=Arial><span =
style='font-size:10.0pt;font-family:Arial;
color:navy'>Marshall</span></font></st1:place></st1:City><font =
size=2
color=navy face=Arial><span =
style='font-size:10.0pt;font-family:Arial;
color:navy'>,<o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p>=
</span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>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 size=2 =
color=navy
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;color:navy'>Marshall</span></=
font></st1:place></st1:City><font
size=2 color=navy face=Arial><span =
style='font-size:10.0pt;font-family:Arial;
color:navy'>’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 style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p>=
</span></font></p>
<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>But as far as =
the IRS is
concerned the main thing is that it be 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 style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p>=
</span></font></p>
<div>
<p class=MsoAutoSig style='margin-left:.5in'><b><font size=6 =
color=navy
face="Bradley Hand ITC"><span =
style='font-size:22.0pt;mso-bidi-font-size:12.0pt;
font-family:"Bradley Hand =
ITC";color:navy;font-weight:bold;mso-no-proof:yes'>Dean<o:p></o:p></span>=
</font></b></p>
<p class=MsoAutoSig style='margin-left:.5in'><font size=3 =
color=navy
face="Times New Roman"><span =
style='font-size:12.0pt;color:navy;mso-no-proof:
yes'>Dean May<span
style='mso-spacerun:yes'> &nbs=
p;
</span>cell 812.239.3359<o:p></o:p></span></font></p>
<p class=MsoAutoSig style='margin-left:.5in'><font size=3 =
color=navy
face="Times New Roman"><span =
style='font-size:12.0pt;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 =
style='margin-left:.5in'><st1:place><st1:City><font size=3
color=navy face="Times New Roman"><span =
style='font-size:12.0pt;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 style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p>=
</span></font></p>
<p class=MsoNormal style='margin-left:1.0in'><font size=2 =
face=Tahoma><span
style='font-size:10.0pt;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
Month="1" Day="3" Year="2006"><font size=2 face=Tahoma><span =
style='font-size:
10.0pt;font-family:Tahoma'>Tuesday, January 03, =
2006</span></font></st1:date><font
size=2 face=Tahoma><span =
style='font-size:10.0pt;font-family:Tahoma'> </span></font><st1:time
Hour="21" Minute="39"><font size=2 face=Tahoma><span =
style='font-size:10.0pt;
font-family:Tahoma'>9:39 PM</span></font></st1:time><font size=2 =
face=Tahoma><span
style='font-size:10.0pt;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><o:p></o:p></p>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;font-family:Arial'>Hi =
everyone.</span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;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 =
</span></font><st1:City><st1:place><font
face=Arial><span style='font-family:Arial'>South =
Bend</span></font></st1:place></st1:City><font
face=Arial><span style='font-family:Arial'> that I've either met or =
heard
of. We may have more =
in </span></font><st1:City><st1:place><font
face=Arial><span style='font-family:Arial'>South =
Bend</span></font></st1:place></st1:City><font
face=Arial><span style='font-family:Arial'> and the surounding
area. </span></font><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face=Arial><span
style='font-size:12.0pt;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:1.0in'><st1:City><st1:place><font size=3
face=Arial><span =
style='font-size:12.0pt;font-family:Arial'>Marshall</span></font></st1:=
place></st1:City><o:p></o:p></p>
</div>
<blockquote style='border:none;border-left:solid black =
1.5pt;padding:0in 0in 0in 4.0pt;
margin-left:3.75pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'=
>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial'>----- Original Message =
----- <o:p></o:p></span></font></p>
</div>
<div style='font-color:black'>
<p class=MsoNormal =
style='margin-left:1.0in;background:#E4E4E4'><b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial;font-weight:
bold'>From:</span></font></b><font size=2 face=Arial><span =
style='font-size:
10.0pt;font-family:Arial'> <a href="mailto:yardbird@vermontel.net"
title="yardbird@vermontel.net">william ballard</a> =
<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>To:</span><=
/font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> <a
href="mailto:pianotech@ptg.org" =
title="pianotech@ptg.org">Pianotech</a> <o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>Sent:</span=
></font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> </span></font><st1:date
Month="1" Day="3" Year="2006"><font size=2 face=Arial><span =
style='font-size:
10.0pt;font-family:Arial'>Tuesday, January 03, =
2006</span></font></st1:date><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> </span></font><st1:time
Hour="20" Minute="49"><font size=2 face=Arial><span =
style='font-size:10.0pt;
font-family:Arial'>8:49 PM</span></font></st1:time><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial'><o:p></o:p></span></font></p=
>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><b><font size=2 =
face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-weight:bold'>Subject:</s=
pan></font></b><font
size=2 face=Arial><span =
style='font-size:10.0pt;font-family:Arial'> Re: Separate
business/personal accounts?<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
</div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
<div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>On </span></font><st1:date Month="1" =
Day="3"
Year="2006">Jan 3, 2006</st1:date>, at <st1:time Hour="14" =
Minute="14">2:14 PM</st1:time>,
Andrew and Rebeca Anderson wrote:<o:p></o:p></p>
</div>
<blockquote style='margin-top:5.0pt;margin-bottom:5.0pt' type=cite>
<p =
style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin=
-left:
1.0in;margin-bottom:.0001pt'><font size=1 face=Helvetica><span
style='font-size:9.0pt;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:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>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:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>Bill Ballard RPT<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>NH Chapter, =
P.T.G.<o:p></o:p></span></font></p>
</div>
<div style='MIN-HEIGHT: 14px'>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>"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:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'> ...........The new =
math<o:p></o:p></span></font></p>
</div>
<div>
<p class=MsoNormal style='margin-left:1.0in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>+++++++++++++++++++++<o:p></o:p></span></font>=
</p>
</div>
</blockquote>
</blockquote>
</div>
</body>
</html>