Also, I'd be a little careful about out-sourcing and rural-sourcing. I've found that many high-quality remote workers charge Bay Area rates regardless of where they live. If they're not, well, that may signal a lack of quality. You can get a bit of a discount, or find a more specialized person than you might otherwise.

To those of you in low-cost-of-living areas: Consider raising your rates to signal your quality. You're worth it.