Can someone explain this to me?
5 years ago
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Can someone explain references to me?
Comments (2)My reference list contains adresses, description of work completed, but no other personal information....See MoreCan someone explain this for me?
Comments (10)This is for a skin cancer check. I would hint to them that since you have been a patient there before, that if they can't schedule an appointment without a referral, that you will go elsewhere...hoping that might be a possibility. Have you had skin cancer before or a history of cancer? BF had it several years ago, and then quit his yearly check-ups after his DR. died. He called the office to get an appointment, and they told him it would be a couple months before they could get him in. Once he let them know he had been a patient there some time ago, and was a cancer survivor, they found him an appointment time within a weeks time. If you call your DR's office, might they write you up a referral without the unnecessary Dr visit? Is that dermatologist a preferred provider or in your insurance network? If so, I'd sure be reporting the situation to my Ins so maybe they could get the problem taken care of, or drop them and find other providers. Sue...See MoreCan someone explain futons to me?
Comments (7)When my futon couch was to be used as a bed, I put a mattress pad (I used a breathable waterproof one to protect the futon cover) and fitted sheet right over the cover. The covers were a bear to take off and put on so I preferred to fool with that as little as possible! Waterbed sheets are great for futons - the top sheet is fitted at the foot, just like a bottom sheet, so the darn thing stays in place. Since a futon mattress is more flexible than a conventional mattress, it's easier for the top sheet to pull out. They're not easy to find, though. (The older style of waterbed sheets where the top sheet is sewn onto the bottom one at the foot is a stinker to wash and dry.) As for whether your middle-aged house guests will be cursing you, that's a big YMMV. A thick, high-quality futon mattress with springs and plenty of foam padding (conventional foam, memory foam, or both), is FAR superior to the old-style all-cotton or all-wool ones that mat down something fierce and become hard and lumpy. You want one that can be flipped because the cotton/cotton-like batting that is the outermost padding layer on most futons can pack down and flipping and turning the futon can minimize the effects. If you haven't already chosen your frame, I suggest looking for a "wall hugger" style that doesn't need to be hauled away from the wall to be converted to bed form, and a mechanism that one person can open or close. Some of them really have to be wrestled around and that's a pain (sometimes literally!). If you can, sit or lie on the futon you're considering in the store, when it's in its bed position, as some of them can be tippy....See MoreCan someone explain LLCs to me?
Comments (8)First, this is one of those times where a few hours with an experienced attorney or CPA can really help you. Setting up your business as an LLC is simply not enough. For the liability shield provided to be of any real use, you have to run your business as an LLC. So it is a lot more than filling out forms, you have to set up the accounts of the business and conduct business in a specific way. The very short version is that your business funds must be kept separate from your personal funds. You can't do things like make your boat payment out of your business checking account, which so many people do. Personally, I have a consulting business and it is an LLC with the S corp tax election. I highly recommend that form of business for small businesses. It avoids most of the pitfalls for setting up a corporation and most of the income distribution pitfalls of an LLC. There have been many articles written on this and it will serve you well to do some research on Google. Here is a good place to start. Edit: To briefly and roughly answer your question - There are basically 5 things that we look at when considering the advantages of business types (1) Ease and expense of formation and operation (2) Agency - who can bind the business to a contract (3) Liability - who is on the hook when things go bad (4) Taxes (5) Capital generation. Partnerships & Sole proprietors - (1)They are by far the easiest to form and operate. (2) Any partner can obligate all partners (this really doesn't matter to a sole proprietor). (3) They have unlimited liability, you are personally responsible for all business obligations. (4) They have lower taxes as all the income of the business flows through to the owner and is taxed at his normal rate (there is only one tax paying entity). (5) It is pretty hard to generate paid in capital so big projects mean loans. Corporations (not S corp). - (1) More expensive to form and harder to operate (2) Officers of the corporation can bind corporation (3) Liability is limited to investment (4) Two taxpaying entities - the corporation is taxed and the owners are taxed when they get money (5) Easy to generate capital - you just issue more stocks. Limited Liability Company - (1) cheaper to form than corporation, more than partnership - cheaper to operate (2) Members (partners) can bind the company (3) Liability is limited to investment (4) Basically the same as a partnership (the IRS doesn't have an LLC tax status so LLC's pick how they want to be taxed). (5) Allowing new members is harder than corporation but easier than partnership. S - Corp (for taxes) - Mostly the same as a corporation within certain size and revenue limits but enjoys the flow through taxation of a partnership....See More- 5 years agolast modified: 5 years agoamicus thanked carolb_w_fl_coastal_9/10
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