Multiply by percentages

I am working on a pricing sheet for quoting purposes. I have all the details ironed out except for one thing. I need to take the total price and multiply it by a surcharge of 9.5%. I have 2 cells 1 that says 9.5 and another that says 1.095. Right now I am having to multiply by the 1.095 to take effect but I want to be able to use the cell that says 9.5. One of two things is happening. The pricing is heavily inflated because it it taking the value and multiplying it by 9.5 the second thing is it is underpriced because it only shows 9.5% of the value. I want to be able to adjust this 9.5 cell in the future and use this cell as part of the formula. How do I do this? Is this possible?