I am new to the forum, don't know much about posting yet. I was layed off from my job of 15yrs working in the hydraulics field, the job was eliminated and the plant is going to close. This year I would like to do some residential mowing in my area. I also have about 1 and 1/2 acres of my own land that I mow with varying flat and hill. I currently mow with a snapper 36" WB and honda 21" for trim. I want to invest in a ZT this year. What do you think of the new z-force cubs for this type of work. Has anyone heard of or had any experience with these mowers? Also I would like to get insurance and start out right. What type and amount of insurance is right for this, what other things do I need to check out? Thanks in advance for replies.