A-Line,
You have a good point, working for time and material, will never grow a business after all the expenses are paid, and that includes your salary, with contract pricing, we have the profit built in, running a business on T&M is working for hourly pay, and just making the overhead payments, I would think you could make more, working for someone on the clock, and have a lot less headaches, this is no way to build a business, that can reward you, or your employees.