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  #1  
Old 05-04-2005, 12:40 AM
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Kasfeldt7 Kasfeldt7 is offline
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Location: Lincoln, IL
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Staying Legal

Hello lawn gurus!

Im a full time minister making a poverty line salary. I worked out a deal with my congregation to get the afternoons free in the summer to cut grass to supplement my income. I've done a few lawns last year on the side, but I don't have insurance, a liscense and whatever else may be needed to stay legal. I suppose these things very from state to state (Im in IL).

Could you fill me in on the basics of what I need to do this properly and legally? What permits do I need (where do I get them?) and what insurance do I need (and who provides it)? Do I need to get a seperate Tax ID or anything like that?

Thanks and blessings,
Pastor BK
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  #2  
Old 05-04-2005, 02:35 AM
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grass disaster grass disaster is offline
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Quote:
Originally Posted by Kasfeldt7
Hello lawn gurus!

Im a full time minister making a poverty line salary. I worked out a deal with my congregation to get the afternoons free in the summer to cut grass to supplement my income. I've done a few lawns last year on the side, but I don't have insurance, a liscense and whatever else may be needed to stay legal. I suppose these things very from state to state (Im in IL).

Could you fill me in on the basics of what I need to do this properly and legally? What permits do I need (where do I get them?) and what insurance do I need (and who provides it)? Do I need to get a seperate Tax ID or anything like that?

Thanks and blessings,
Pastor BK
being legal is a pain in the rear. do you really think the irs is going to audit a minister making 25,000 i don't think so!!

as far as a license, who is ever going to check you??? that's right NO ONE!!

the insurance might be a good idea, but a guy can go "insurance broke" i'd skip it if i were you.

take some of your money and put it towards the common good and be content with yourself. cherish every moment
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  #3  
Old 05-04-2005, 06:23 AM
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Charles Charles is online now
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The IRS usually goes after those without the means to defend themselves. Cheaper and faster. Audits are now performed at random too.

Insurance? Throw a rock and knock somebodies eye out etc. Hit a car with a rock and cause an accident. Hit a expensive paint job. Knock holes on somebodies vinyl siding( I once went under a tree with some kind of acorns and knocked hole in vinyl siding of a house). YOur equipment gets stolen and on and on

License? YOur city may require a license and the fines are big for those not having them. I was checked 3 times last year because the city did not send me a sticker to post on my windshield. They did this year. The licence is just a tax and required even if you only have one yard here
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  #4  
Old 05-04-2005, 09:14 AM
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MMLawn MMLawn is offline
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Pastor FORGET everything that this clown Grassmaster just told you because it is wrong and very bad advice! I will assume that at his young age of 24 he has decided to take the scrub path.

You will need General Commercial Liability Insurance ($1M is the standard normally) that you can get from just about any Insurance Agent. The rate will avry but you can probably figure on around $500 a year, and YES you will want the security of having it.

Business License you just contact your local City/County Tax Office that you will be doing work in and they will assist your needs.

Tax ID Number, ONLY if you INC or add employees. I would suggest at this point you keep it simple and just do a Sole Prop using your SSN. You WILL want a separate business checking acct, like John Doe d/b/a Pastors Lawn Care.

Good luck.
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  #5  
Old 05-04-2005, 11:26 AM
mastercare mastercare is offline
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Join Date: Feb 2004
Location: Shelby Twp., MI
Posts: 289
Illinois

I'm not sure about Il, but here in MI you don't need a license to cut grass. You only need one if you're doing Landscape construction....but not for maintenance.
As far as liability insurance, Safeco, Frankenmuth, and even some of the auto insurers have commercial liability. For part time, its not too expensive, I pay $164/Quarter. It's not "required" in order to be legal, and you can risk your entire savings......but its not advised. Back in College I was cutting lawns on the side, and one day I ran over a water access pipe in a new lawn I was cutitng. My mower cut right through the 1" pipe an sent it flying into the street. 2 houses down was a little girl riding her bike on the sidwalk. I bought insurance the next day for that very reason. I've never had to make a claim against it, but its good to know its there.
As for acquiring a tax ID number, it isn't necessary. I think its already been mentioned that you can set up a D.B.A. (Doing Business As). To get one you go to your county clerk's office, and apply for a business name you would like to use. It cost me $10. They give you a certificate, which you can then use to open a bank account. Now you can have people write check payable to your business name, instead of your personal name. But, this DBA uses your Social Security number for tax purposes, and therefore any income you make doing lawns becomes personal income, and you just claim it (minus expenses) on your tax return. You technically don't even need a DBA or a business name, you can always have them write checks to you personally, or cash. It's just a matter of preference as to if you want a "company name."

This is a great forum for questions.....I've learned more on here than anywhere else!

Best of luck to you.
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  #6  
Old 05-04-2005, 11:29 AM
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procut procut is offline
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Quote:
Originally Posted by MMLawn
Pastor FORGET everything that this clown Grassmaster just told you because it is wrong and very bad advice! I will assume that at his young age of 24 he has decided to take the scrub path.

You will need General Commercial Liability Insurance ($1M is the standard normally) that you can get from just about any Insurance Agent. The rate will avry but you can probably figure on around $500 a year, and YES you will want the security of having it.

Business License you just contact your local City/County Tax Office that you will be doing work in and they will assist your needs.

Tax ID Number, ONLY if you INC or add employees. I would suggest at this point you keep it simple and just do a Sole Prop using your SSN. You WILL want a separate business checking acct, like John Doe d/b/a Pastors Lawn Care.

Good luck.
/\ Well said.
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  #7  
Old 05-04-2005, 06:13 PM
Todd's lawncare Todd's lawncare is offline
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Quote:
Originally Posted by grassmasterLLC
being legal is a pain in the rear. do you really think the irs is going to audit a minister making 25,000 i don't think so!!

as far as a license, who is ever going to check you??? that's right NO ONE!!

the insurance might be a good idea, but a guy can go "insurance broke" i'd skip it if i were you.

take some of your money and put it towards the common good and be content with yourself. cherish every moment
I bet you run a good setup . Get a life and stop living on my hard earned and hard paid tax dollars
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  #8  
Old 05-05-2005, 03:00 PM
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Kasfeldt7 Kasfeldt7 is offline
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Thanks!

Thanks for the information guys!

Blesings!

Pastor BK
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  #9  
Old 05-05-2005, 03:52 PM
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grass disaster grass disaster is offline
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Quote:
Originally Posted by Todd's lawncare
I bet you run a good setup . Get a life and stop living on my hard earned and hard paid tax dollars
for all you smart asses...

i do everything by the books. in fact i probably pay more in taxes than you make all year.

i'm just saying that, for someone that is only doing a few lawns a week it can be kind of a hassle to go through all the rigmarole of being "legal".

in a coulpe of days i hope to get some pics of my stuff. for being part time i'm going to put you all to shame!!!
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  #10  
Old 05-05-2005, 04:20 PM
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MMLawn MMLawn is offline
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Location: Winchestertonfieldville
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Quote:
Originally Posted by grassmasterLLC
for all you smart asses...

i probably pay more in taxes than you make all year.

for being part time i'm going to put you all to shame!!!
I'LL Take that bet. As a matter of fact, I'LL RAISE it. I bet I make...no wait, I bet my PROFIT in one month is more than you make all year.....
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"There are no stupid questions.....but there are stupid People that ask them"

A friend of mine has a trophy wife……..apparently she wasn’t 1st place though


...Amateurs built the Ark but professionals built the Titanic...


...YOU CAN'T FIX STUPID...
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