Hi,
Thanks for replying!

To your questions:
 In our rural area there are fewer options: our Credit Union did not offer business accounts when we moved here, rather they offered a SUB ACCOUNT to separate funds. Seemed to work. Now the construction company does have a business account.

My PayPal is used for few business expenses, and the same PayPal account was personal for many years; that that shifted to a business PayPal, and I am unsure why . Basically, I do not have an active business now, and it exists as a sleeping reality. I file a Schedule C for it. It has no profit.

There is no PayPal associated with our construction company. I simply did this for a long time client while she was traveling as a courtesy, all accounted for clearly as well as I knew how. Extra bookkeeping then, and apparently ongoing! Boo.

CPA s are not an option at this point. I do the best I can.
Thanks again.