first of all, i truly appreciate your input. i do have some business experience though (i've had a lot of jobs, i'm not a job hopper, but i migrate every few years to a new career kind of lol)..i've been in real estate, i worked in the management office for a mall with 180 commercial tennants and 82 residential ones.

i'm in the landscaping industry now, because it's always kind of been my fallback, and i like it. i also like business. (so hell, why not start my own landscaping business). competition isn't really an issue. there's 10,000 landscapers around here, and 100,000 more people who can't find a reliable one to hire. my success is from word of mouth...word of mouth, your reputation and how you present yourself is key around this area and in this industry. not much else matters in the way of advertising. my under-charging is from my own lack of experience/confidence as a self-employed person..but also i'm building a reputation at the same time as my business.

that said, even with my business expirience, it's pretty obvious my first two months have been filled with major screw ups as far as record keeping and planning, but i'm not worried about my tax bill in the spring (although i honestly do appreciate our input, i'm not being arumentative please don't think that!)....honestly everthing i'm talking about is more about next year. there's no way in freezing hell ANYONE is giving me a business loan before the end of this year.

on that note, business experience, and my own errors/growing pains aside... i've also learned from my past employers successes and failures as far as overhead, and tax liabilities and paying (or i should say..not paying) into things that have directly screwed me over as one of their only full time employees.