i'll tell u what. if i were your age, had nothing to lose, and had the mind of a 19 year old, i wouldn't even think twice about it. i would operate a cash only business, not insured. the only way to get caught is if someone "rats" you out. and, who's gonna rat u out? 90% of guys cutting lawns do operate "under the table". as for me, at this point in my life, i like to be able to sleep at night. if i hurt someone, it's covered. my taxes are paid. quite a while back, i wrote a thread titled " are we only hurting ourselves". in it i explained that this is a very rough business to make a profitable one. the competition , and the law of supply and demand, being a great factor. the thing i could always count on is when 20 new guys pop up in the spring, 19 of them will be gone by the following spring. why? alot of reasons. and now, congradulations king and others like you. when 20 pop up every spring, only about 10 will be gone the following year. why? because lawn guys(and this is baffling to me) are very eager to share thier knowledge, and teach you everything you need to know, to become thier direct competition. king, can't you just get a job at like burger king or something, finish college, and go on to a miserable life working on somebody elses time clock? and along the way, keep your hands out of my pocket?