I have to share this story for those out there that are like me and don't have a ton of cashflow to protect their assets. I did a job this year that sold at 14,200.00 in April. We completed the job and received final payment in our industries most common form of payment, a check. I deposited the check and moved on to the next job. This job had $6300.00 in material costs and had a good profit margin. Unfortunately it rained on the site for 3 days and delayed excavation and grading. So, I get a call from my banker saying that they took $8900 out of my account because the check bounced. Now because it was too early in the season to have my account built up yet, the second job was delayed, and this grease-ball just bounced me a check, I ended up with upset vendors from material purchases made before I got that phone call. So, to make a long story short. I do not feel that an industry that thrives on competitive pricing, little regulations, fuel dependency and labor shortages, while adding the element of the least secure form of payment being the standard, to be a viable business for long term growth. I paid all the checks off and spent all my profits of the season doing so and now I am trying to double-time to make up for a lost spring season all due to the "trust factor" that we carry from day to day in this business. I told this story to help someone else from making the same mistake. Things I have done from a hard lesson learned: 1. Since checks ARE the standard in our business I got rid of the credit card machine and got a service that guarantees checks written to me when they authorize them. 2. Require a credit card guarantee on the contract to prevent recurrence. 3. Transferred our banking to a bank account that provides an "over-draft protection" amount that exceeds the highest valued check we have received in the past 12 months. This requires credit to do. I would advise those who are venturing into the landscape construction field to consider the likely possibility of this happening. It was the first time it happened to us since 2001 (when we started), but has certainly rained on my parade this year.