This is my first year mowing lawns and I've aqquired 60 residential accounts soley by handing out flyers door-to-door and putting them on mail boxes. Before expenses I bring in about $5,700 a month. I send out itemized bills at the end of each month. I don't have any contracts or anything for my clients to sign. I don't have ANY insurance whatsover. So far I'm 3 months in, and haven't had any significant problems. I have 1 team, consisting of myself and one other worker. I put in about 25-30 hours a week of mowing, plus regular maintainence on the machines which I do myself. Besides my trailer I bought all my equipment at lowes. To get started with equipment.. here's what I have: I bought a 12x6 single axle trailer, Z4217 42" husqvarna mower (YES I NOW KNOW ITS NOT COMMERCIAL GRADE AND I PLAN ON SELLING IT NEXT SPRING), 2 cub cadet push mowers, husqvarna trimmer and 125BT blower, and a bolens edger. The equipment is holding up fine, however I wouldn't purchase a non-commercial ZTR mower EVER AGAIN. I am planning on selling mine and replacing it with something of commercial grade for next year's mowing season. Anyway.. I have 60 clients and I am hoping to double, if not tripple that number for residential accounts next summer.. possibly expanding to 2 teams. I just made a huge decision and I'm not sure if it will be good or bad.. I got into the yellow book for plowing and lawn care. I currently own a V10 F-250 SUPER DUTY with a 7.5 WESTERN plow, and I am most likely going to purchase another plow truck (I am assuming that the yellow book is going to get me plenty of plowing business). I am looking for any input whatsoever on the decisions I have made.. yellowbook, plowing, 2 teams, contracts, billing, insurance.. anything that could help me!! Things have been smooth sailing so far but I'm thinking that the yellowbook might bring in a lot of business and things could get stressful. Any input on commerical ZTR mower brands would be good too... I'm looking at the Cub Cadet Tank models and also at the husqvarana commerical line. Also... what are some thoughts on commercial accounts? Do they bring in more money per hour than residential? How do you estimate them if they're so big? I'm running into this business head on and I feel like I might be taking on the world here...... so any input at all would be appreciated. Thanks!