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I talked with a a TCIA rep at their Expo booth about TRAQ. She took the course, and passed, but was really on the fence about recommending it. One thing was the cost which she thought was overpriced. Second, she said a lot of it is subjective (ie, what do you "think" is the issue or concern...

I have only rarely ever accepted either a deposit or any payment before job completion, unless it is a post dated cheque. Getting stiffed by a customer is a pretty rare event up here. Holden's quotation sheet and wording appear very similar to what I use.

Hustling comes natural when you have responsibilities like mortgage payments, bank loans, and little kids to feed!

Do you currently have disability and liability insurance? Before I launched into this full time, I had already accumulated a chipper, stumper, forestry bucket truck, insurance, steady clients, etc..........and it was still a tough hard decision to quit a steady paycheque full time job in order...

Whereabouts in Ontario are you located? I'm ~2 hours north of Toronto where lean winter months = negative cash flow.