Joeh20,
"We ain't getting rich, but still trying to build up a clientel for the future."
"First day she drives that truck Ole Joe is a full time EC from then on."

If you keep charging so much lower than the competition for another two years you won't have a clientel worth pursuing full time. Do you realize that if you operate legally you are working for less per hour than your "real job"? If you have to compete with the types of contractors you described maybe you should find another type of business or stick with your night job, unless you can find people who are willing to pay for quality and pay a man what he needs to survive operating legally and ethically. Pursue small industrial businesses that realize they need an electrical service that is making enough to stay in business.

(I am not trying to flame you. Would have sent this to your e-mail address, but it was not listed in your profile.)

Gerald Powell