Virgil,
I really feel for you! Have almost the same $$$ problems myself.
Think it's absolutely great how you treat your Helper / Apprentice! Without going into too many "Already Known Details" of my own personal experiences, I must say that it's so refreshing to see someone take interest in a newcoming trade person! [I dealt with guys that mistook the term "Electrician" for "Magician" and would not "Give Up Their Secrets!", plus drove my own vehicles many miles to jobs - even driving others to work, only to hear complaints!].
This is another thread I must print out for Christmas Night's "Reading". I already have the one for "Watt Doc" from back around July to read [hope this doesn't make you guys (Virgil and Doc) feel uncomfortable!].
Be sure to cash the check which My Wife and I are sending! I'll send one of My Wife's checks to show how much of a "Manlee-Man" I can be! Her checks have Teddy Bears on them!
These are used on nearly all of our stuff. I use my "Plain Wrap" checks for "Professional / Work Related" stuff - mainly due to an experience which resulted in some "Unfriendly Remarks" thrown at me, due to the "Cute Child-Like Bears" on a check [don't get me started on this one again!].
Good luck with everything!
Scott s.e.t.