I've only been stiffed by one person since I started and it was a renter. The most hassle I've ever had is from a landlord so I do my best to screen them both now. I've found that my best customers are middle class home owners like me. They may not get alot of extras but they pay on time and don't expect perfection at a bargan price.
Knowledge is knowing a tomato is a fruit, wisdom is not using it in a fruit salad.