I'm just getting started, but I only have two ~20" push mowers and a trimmer. I would like to take all the money I make and put it towards a rider. Should I bid cheaper because it will take longer? What would you suggest. Also, I mulch all my grass at home, but I wonder if others will mind it. What do you people out there do? Bag? Rake? Mulch? Thanks for the help! Also, is it too late to start this summer? I'm from WI and I'm thinking I still might get some business because its getting hot and people don't want to mow their lawns in the heat.