Service calls are $45 hr and try to base my estimates on that too. Here in AZ I have to renew tax lic in every city every year usually around $10 to $50. Liability ins, Contr lic renew yes there are a lot of cost. Fortunately I have health ins through my wifes work. Don't know how anyone could make it for less, otherwise might as well go work for someone else.
The Golden Rule - "The man with the gold makes the rule"