BigB,
Sorry, I'm no computer whiz either. Somebody help him out.
Everybody else,
Thanks so much for all the posts and help so far! All of your input has helped me tremendously. I'm sure you all have helped a lot of other guys struggling like me too.

I had about a 50 minute conversation with one of my clients about all this yesterday. He basically told me he didn't care what labor rate I charged, or what my mark-up was. He knew my work and my reputation in the area, and would gladly pay what I needed to keep me in business. He told me to raise my rates and see what happens. Worst case---lose all my customers and go out of business quickly instead of a long slow death by under charging. [Linked Image]

Power to the people