Ok, here's what I charge for various and sundry jobs.
1. I arrive at the start of wedding and stay until the cutting of the cake. I deliver a disk to the bride and groom $1000.
2. I come to the bride's house, shoot her getting ready for the wedding, shoot the wedding and the entire reception, create a mini website for her to look at, and hand over the disk. I also give her some tips on putting together an album. $1500
3. I do all of the above, plus the bride gets a really pretty Art Leather album. $3000. The album will probably cost me somewhere around $1000 to print and have bound.
When I shoot a wedding, if the bride wants me to, I will take all of those arty shots that some of them seem to want. For the most part it's a ten hour day, plus a week or two of post processing.
I get paid up front. I don't take the first picture until the check is in my hand. I used to do it, a third when they booked, a third before the wedding and the final third when I delivered the album. But it's too easy to find reasons not to pay the photographer. The caterer, reception site, wedding gown sellers, DJ's ect. get paid up front and so should you.
Horse and rider, $250 to $500 depending. Once again, I give them a disk and recommend some really good printers. You'd be surprised how many people are satisfied getting their pictures printed at Wal Mart or Ritz. I can't compete with their prices, so I don't even try.
Family Photos - the same as horse and rider.
Processing tools you will need to have and know how to use.
1. Photoshop - the full blown photoshop, because you are going to use the RAW setting on your camera for every job you shoot and you will need to be able to use actions. Once you bite the bullet, the updates aren't all that expensive.
2. Power Retouche Pro's sharpening filter, it's the best I've seen. What a difference.
3. The Craig's action set that has Porcelain Skin. I bought it so long ago, I can't remember which one it was. It's called something like the Glamour set. When you use that action and then reduce the opacity of the layer to around 25%, you get what I like to call "the magazine look." People love it.
You will need a monitor callibration tool. I like Spyder. What you see on your monitor has to be what they will get at the printer.
Oh yes, if you are unsure about how to use Photoshop, I recomend the book Photoshop for Digital Photographers by Scott Kelby. He also has a book for those digital photographers who use Elements. It will tell you exactly how to do what you want to do.
If anybody needs any help, just let me know and I'd be happy to help you in any way I can
PS: I have shot weddings for $500 and family photos for $25, when I knew the people were deserving and they didn't have any money.