These are all wonderful bits of information and help. I would have never thought to talk to my insurance person before getting a magnet on my car. That won't be hard, she's my cousin :D. I didn't think about getting bonded.
I used water and ammonia to get the wax build up off the kitchen floor and it did a beautiful job. Both the tendent and her son were impressed.
The reason I am charging so little is because these are retired ladies with health problems, living in a retirement home that is not an assisted living type. However with their health issues, some jobs are hard for them to do. I clean their kitchen counters off, then sweep and mop. One lady has her son take out the garbage, but I would do that too. One of my ladies is legally blind, and is afraid of the stove, so she doesn't cook. The apartments are only one bedroom and the rooms are small. I vaccuum and dust. I clean the bathrooms. I clean the blinds (I use my little steamer) if and when they need it. I wash the insides of the windows as needed and one lady has grand and great grand children that are there quite often, so her's are needed each month. Oh, I am only doing their places once a month.

Both ladies told me they hadn't cleaned before I got there. I told them they weren't supposed to do that, I was. They were taking my job away from me.
The one thing I haven't done is clean the bird cages, and they do that themselves, they clean those weekly.
Thank you again for all your words of wisdom.