<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML xmlns:o = "urn:schemas-microsoft-com:office:office"><HEAD> <META http-equiv=Content-Type content="text/html; charset=UTF-8"> <META content="MSHTML 6.00.2900.2802" name=GENERATOR></HEAD> <BODY id=role_body style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: = Arial" bottomMargin=7 leftMargin=7 topMargin=7 rightMargin=7><FONT id=rol= e_document face=Arial color=#000000 size=2> <DIV> <DIV> <DIV>Richard,</DIV> <DIV> </DIV> <DIV>I've been using my personal checking account for business for the last = 4 years and have had no problems.  I keep track of all expenses and incom= e as I go.  My business name is Dave Stahl Piano Service(my name is in the business name), which, in CA at least, allows you to deposit business checks= into your personal account.  </DIV> <DIV> </DIV> <DIV>I'm to the point where I should probably worry about audits, and who se= es my accounts.  It's all pretty straightforward and simple as it is, though.  I feel like a money funnel.  Money passes throu= gh me and into other hands--IRS's and landlord's, mostly(BTW, can anybody expla= in to me what "Service" they perform?...isn't it false advertising to call= themselves a "Service" if indeed they offer nothing for the money taken from= those who actually earn it?).  If I'm lucky, I can bank a bit and have = some left over for a vacation.</DIV> <DIV> </DIV> <DIV>All money for estimated taxes goes temporarily into savings until the t= ime comes to write the dreaded quarterly check.  </DIV> <DIV> </DIV> <DIV>It's worked for me so far.  When my tax accountant suggests a chan= ge, I will consider doing something else.</DIV> <DIV> </DIV> <DIV>Dave Stahl</DIV> <DIV> </DIV> <DIV>In a message dated 1/3/2006 8:58:07 A.M. Pacific Standard Time, deanmay@pianorebuilders.com writes:</DIV> <BLOCKQUOTE style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: blue 2px solid"><= FONT style="BACKGROUND-COLOR: transparent" face=Arial color=#000080 size= =2> <P class=MsoNormal><FONT face=Arial color=navy size=2><SPAN style="FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: Arial">Hi Richard<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">By being self employed you place yourself in a category of being higher risk for an audi= t. I’ve been audited twice. If you co-mingle the funds then they will= automatically be going through all of your personal records as well. <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">The fewer recor= ds they go through, the better, IMHO. Since having 2 audits (none of which tu= rned up anything significant and the second one they did go through all of my personal records) I now pay as much as I can by cash for personal expenses= . <SPAN class=GramE>None of their business so I am not keeping any records.</SPAN> Every time you write a check, use a credit card, use a dru= g store/grocery store discount card, make an ATM withdrawal, you are leaving= a paper trail. Don’t kid yourself that you have nothing to hide. One= of the things they didn’t like in my personal records was how much I gave= to charity. Now nobody knows. <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></FONT></BLOCKQUOTE></DIV> <DIV></DIV></DIV> <DIV> </DIV> <DIV><FONT lang=0 face=Arial size=2 FAMILY="SANSSERIF" PTSIZE="10"= >Dave Stahl<BR><BR>Dave Stahl Piano Service<BR>650-224-3560<U><BR><A href="http://www.dstahlpiano.net/">http://dstahlpiano.net/</A></U></FONT><= /DIV></FONT></BODY></HTML>