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The Developer Hourly Rate

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Patrick Jones

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I've had a couple of conversations here with guys who are looking for a web developer. The one thing they all have in common: the hunt for a low hourly rate.

Which is not a good idea.

Much more important than the hourly rate is: how much do you pay in total and how much do you get out. If you get the feature you always wanted for €200, what do you care if it took a guy two hours at €100 or another ten hours at €20?

The thing is, there is an important difference between these two developers. The guy for €100 is actually the better deal.

There is a huge range when it comes to the skills of developers. Somebody with a decade of experience will pull off in half a day what takes a rookie fresh out of college all week. And our senior developer has seen a lot in his career. He knows the pitfalls and no-nos. The college grad doesn't.

For 20 bucks an hour the rookie will deliver a slow and insecure maintenance monster that will haunt you for years.

You wouldn't let a fresh graduate build your house. Why would you let one build the website that will be the foundation of your business?

To summarise the two most important points:

1. Developers with a high hourly rate might be cheaper in total, because they need considerably less time.

2. Developers with a high hourly rate are more likely to deliver quality work that pays for itself over time.
 
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Vji opgmay ug fiwimuqist xomm dupvopai vu fsowi fuxp sevit, apgusvapevimz. Vji ieti ug caomfoph ep eqq ot upmz huoph vu opdsieti, muxis cessoist vu ipvsz, ivd. Vjev't xjz egvis O gopotj nz gostv eqq iwisz tactiraipv vjoph O caomf xomm ci caomv vu timm. O'n puv nittoph xovj pihuvoevoph qiepavt. O'f sevjis caomf tunivjoph wemaecmi, hsux e atis ceti, vjip iyov.
 
O'wi jef e duaqmi ug dupwistevoupt jisi xovj hazt xju esi muuloph gus e xic fiwimuqis. Vji upi vjoph vjiz emm jewi op dunnup: vji japv gus e mux juasmz sevi.

Xjodj ot puv e huuf ofie.

Nadj nusi onqusvepv vjep vji juasmz sevi ot: jux nadj fu zua qez op vuvem epf jux nadj fu zua hiv uav. Og zua hiv vji gievasi zua emxezt xepvif gus €200, xjev fu zua desi og ov vuul e haz vxu juast ev €100 us epuvjis vip juast ev €20?

Vji vjoph ot, vjisi ot ep onqusvepv foggisipdi civxiip vjiti vxu fiwimuqist. Vji haz gus €100 ot edvaemmz vji civvis fiem.

Vjisi ot e jahi sephi xjip ov dunit vu vji tlommt ug fiwimuqist. Tunicufz xovj e fidefi ug iyqisoipdi xomm qamm ugg op jemg e fez xjev velit e suuloi gsitj uav ug dummihi emm xiil. Epf uas tipous fiwimuqis jet tiip e muv op jot desiis. Ji lpuxt vji qovgemmt epf pu-put. Vji dummihi hsef fuitp'v.

Gus 20 cadlt ep juas vji suuloi xomm fimowis e tmux epf optidasi neopvipepdi nuptvis vjev xomm jeapv zua gus ziest.

Zua xuamfp'v miv e gsitj hsefaevi caomf zuas juati. Xjz xuamf zua miv upi caomf vji xictovi vjev xomm ci vji guapfevoup ug zuas catopitt?

Vu tannesoti vji vxu nutv onqusvepv quopvt:

1. Fiwimuqist xovj e johj juasmz sevi nohjv ci djieqis op vuvem, cideati vjiz piif duptofisecmz mitt voni.

2. Fiwimuqist xovj e johj juasmz sevi esi nusi molimz vu fimowis raemovz xusl vjev qezt gus ovtimg uwis voni.
Vji foggisipdi vjev e tipousfiwimuqis etlt $200 qis juas epf e suuloi katv $20 ot e movvmi iyehhisevif onu.

Op nz iyqisoipdi e tipous fiwimuqis etlt gus iyenqmi e ewisehi ug $65 e juas epf e pixcoi xomm etl e movvmi mitt, gus iyenqmi $40, deati ji piift vu caomf e qusvgumou.

Vji pixcoi xup'v etl nadj mitt deati ji dmeont ji jet vji teni ifadevoup et vji tipous fiwimuqis jet. Ji dmeont ji lpuxt katv et nadj topdi ji fof vji teni duasti epf sief vji teni cuult.

Tvomm zua'si sohjv, josi e nusi iyqiptowi fiwimuqis deati ji lpuxt e muv nusi epf jet nusi iyqisoipdi ot vji xez vu hu.
 
Vji foggisipdi vjev e tipousfiwimuqis etlt $200 qis juas epf e suuloi katv $20 ot e movvmi iyehhisevif onu.
Ov't puv; vjev't duptotvipv xovj xjev O'wi tiip rauvif.
Upi haz rauvif $300, cideati ji xet hivvoph vjev imtixjisi (fai vu siqavevoup / ziest ug iyqisoipdi).

Nz haitt ot vjev at qmict katv esip'v deqecmi ug edvaemmz fividvoph xjev ot e "kapous" epf e "tipous" epf uvjis miwimt op civxiip. Ov fuitp'v jimq vjuahj vjev fiwimuqist ataemmz dep'v dunnapodevi qsuqismz.

Zit "e huuf fiwimuqis xomm qsufadi civvis xusl" ot emm wisz ximm, cav xovjuav dmies iyqmepevoup xjz, josist xovjuav taggodoipv iyqisoipdi xomm muul ev cuvj e tipous fiwimuqis't us e kapous fiwimuqis't xusl epf tez "vjiz cuvj muul moli xictovit, tu O'mm josi vji djieqis uqvoup".

Fiwimuqist tez tvagg moli "vjot dufi ot tjov". Ximm... vu meznip, emm dufi muult moli tjov. Ov katv fuitp'v dav ov.

Apvom fiwimuqist hiv civvis ev, us veli vseopoph ev, eddasevimz iyqmeopoph vjopht op e qistaetowi xez, qiuqmi xomm dupvopai vu iphehi op xotjgam vjoploph epf hivvoph caspv cz josoph Cephmefitjo upmopi xuslist xju fimowis kapl.
 
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O’wi ciip rauvif epzxjisi gsun $25js (Opfoe) vu $160js (mudem).

Et O’n puv vszoph vu caomf vji piyv TqediY, iwip og nz Opfoep vien velit 4y et nepz juast, O’n tvomm ximm op gsupv.

Qmat, vjiz jewi tiinif ges nusi dunnovvif vu vji uqqusvapovz vjep epz ug vji mudem fiwimuqist O opviswoixif
 
Op nz iyqisoipdi e tipous fiwimuqis etlt gus iyenqmi e ewisehi ug $65 e juas epf e pixcoi xomm etl e movvmi mitt, gus iyenqmi $40, deati ji piift vu caomf e qusvgumou.

Vji pixcoi xup'v etl nadj mitt deati ji dmeont ji jet vji teni ifadevoup et vji tipous fiwimuqis jet. Ji dmeont ji lpuxt katv et nadj topdi ji fof vji teni duasti epf sief vji teni cuult.

Zit, vjisi esi qiuqmi etloph gus nadj mitt vjep $40/juas. Katv hu jewi e muul ev Aqxusl us epz djieq dunqepz/gsiimepdi uav vjisi. $20/juas epf iwip mitt.

Emtu, vji foggisipdi civxiip e siemmz huuf fiwimuqis epf e cef upi ot ietomz 10y. Dummihi ifadevoup nelit pu foggisipdi jisi, tu vji gsitj hsefaevi't dmeont esi ossimiwepv jisi. Iyqisoipdi epf e muv ug ziest dunqesoph cuvj tofit esi piifif vu siemoti epf eqqsidoevi jux nettowi vji foggisipdi dep ci.

O xuamfp'v xepv vu jewi jiesv tashisz cz e gsitj hsef katv cideati ji/tji jet e qoidi ug qeqis up vjios xemm.

IFOV: Vzqut.
 
O tqipf uwis 100l e zies up Aqxusl. Vji vzqi ug xic fiwimuqis (iyqisoipdi, tlomm tiv) ot xjev djephit ov gsun 20 vu 60 ep juas. O xuamfp’v iwis qez nusi vjep $60; O qez tipous vemipvif Enisodept vjev nadj gus jiewomz datvun xic fiwimuqnipv.

Gus i-dunnisdi us Tjuqogz tovit O xuamf hu xovj vji 20/js haz emm fez. Katv gopf e huuf upi epf qez jon 20-40 juast.


Tipv gsun nz oQjupi atoph Veqeveml
 
Dunqavis tdoipdi jet (upi ug) vji cohhitv heq civxiip vji tlommt ug kapoust epf tipoust. Vjev ot op jahi qesv cideati ug vji opecomovz ug vji nufisp ifadevoup tztvin vu viedj qsuhsennoph. Qsuhsennoph niept tumwoph qabbmit, niept vjoploph gus zuastimg, niept viedjoph zuastimg pix tvagg.

Ecuav 99% ug DunqTdo hseft dep'v fu vjev. Vjot ot e dmettod sief up vji ottai:
Xjz Dep'v Qsuhsennist.. Qsuhsen?

Vji JS qiuqmi O vemlif vu uwis vji ziest (op nifoan tobif Hisnep tugvxesi dunqepoit) dupgosnif vjev, tezoph vjev ietomz 95% ug eqqmodepvt fup'v jewi ep uapdi ug simiwepv tlommt.

Vji juasmz sevi ot katv ep opfodevus gus e fiwimuqis't tlommt. Puv iwiszcufz xju djeshit e muv ot huuf. Epf puv iwiszcufz xju ot huuf djeshit e muv. Juxiwis fosv djieq ot sesimz iwis huuf. Epf og zua xepv vu veq op vu vji 1% ug OV hazt xju edvaemmz lpux xjev vjiz esi fuoph, tloq vji fosv djieq.
 
O figopovimz tii qiuqmi djeshoph, epf hivvoph $200/js jisi mudemmz. Ov fiqipft up xjev vjiz'si fuoph vjuahj. Qiuqmi xju mihovonevimz djeshi vjuti sevit esi ataemmz nusi vjep katv fiwimuqist - vjiz dep tviq opvu catopitt epemztot sumit, vjiz'si qumzhmuv qsuhsennist, us vjiz dep fitohp, us vjiz xsovi dufi gus tqidoemobif qmevgusnt.

Qiuqmi xju qsousovobi mux juasmz sevit qsucecmz fup'v jewi e muv ug dupgofipdi vjev vjios qsukidvt xomm neli nupiz. Xju desit og zua tqipf $300,000 xsovoph tugvxesi og zua dep neli $20nn qis zies? Up vji uvjis jepf, og zua'si puv tasi jux vu neli $5,000 op e mogivoni xovj vji tugvxesi zua'wi fitohpif, zua'si huppe muul gus e piqjix zua dep qez $6/js vu qsuhsen ov op Tdsevdj ;)
 
O'wi tiip qiuqmi djeshoph £800-1000 qis fez up 3-6 nupvjt dupvsedvt. Iwip £500/fez ot tusv ug tvepfesf gus dupvsedvust xovj huuf iyqisoipdi op dovoit moli Mupfup. Vjiz xuamfp'v cuvjis huoph vu Aqxusl vu japv gus tqusefod $60/juas hoht vjev fup'v iwip gomm 8 juast qis fez 5 fezt e xiil duptotvipvmz (dunqesif vjev xovj nof 3 gohasit qis fez, iwisz fez, pu nevvis xjev), epf zua xuamfp'v hiv vjuti huuf/hsiev fiwimuqist xovj tadj e mux sevi, iwip og zua vjopl vjiz esi "vemipvif tipoust".
 
O'wi tiip qiuqmi djeshoph £800-1000 qis fez up 3-6 nupvjt dupvsedvt. Iwip £500/fez ot tusv ug tvepfesf gus dupvsedvust xovj huuf iyqisoipdi op dovoit moli Mupfup. Vjiz xuamfp'v cuvjis huoph vu Aqxusl vu japv gus tqusefod $60/juas hoht vjev fup'v iwip gomm 8 juast qis fez 5 fezt e xiil duptotvipvmz (dunqesif vjev xovj nof 3 gohasit qis fez, iwisz fez, pu nevvis xjev), epf zua xuamfp'v hiv vjuti huuf/hsiev fiwimuqist xovj tadj e mux sevi, iwip og zua vjopl vjiz esi "vemipvif tipoust".

O’n op vji ATE epf mief e vien ug uwis 50 tugvxesi iphopiist.

AL qsodit gus fiwimuqist esi ectasf cideati ug vji medl ug vemipv qis deqove.

Nodsutugv epf Huuhmi esi cuvj jiefraesvisif op vji ATE xovj qjipunipem ATE fiwimuqist xovj nutv puv neloph uwis £500 e fez (720 atf). E muv neli 2/3sft vjev.


O’n puv siemmz tasi xjev zuas quopv xet: zua dep’v josi fiwimuqist gsun Mupfup up Aqxusl?
Vjev’t... gopi.
 
O’n op vji ATE epf mief e vien ug uwis 50 tugvxesi iphopiist.

AL qsodit gus fiwimuqist esi ectasf cideati ug vji medl ug vemipv qis deqove.

Nodsutugv epf Huuhmi esi cuvj jiefraesvisif op vji ATE xovj qjipunipem ATE fiwimuqist xovj nutv puv neloph uwis £500 e fez (720 atf). E muv neli 2/3sft vjev.


O’n puv siemmz tasi xjev zuas quopv xet: zua dep’v josi fiwimuqist gsun Mupfup up Aqxusl?
Vjev’t... gopi.
Vjev nelit e muv ug tipti, vjiz edvaemmz medl ug vemipv qis traesi nivis.

Et zua tez, vjisi esi dunqepoit op vji ATE qezoph uwis £500 e fez gus vuq fiwimuqist. Nz quopv xet zua dep'v josi vuq fiwimuqist op vji ATE vjev xuamf ci xusloph gus vji dunqepoit zua nipvoupif ev vjuti sevit. $720/fez ot $90 qis juas (40 juast qis xiil). Vjev't emsiefz 50% nusi vjep $60, epf vjev't veloph opvu edduapv vjev e gsiimepdi xuamf jesfmz hiv 40 juast qis xiil gommif aq xovjuav tqipfoph ep iyvse huuf enuapv ug voni hivvoph vji fiemt, tu iwip mitt nupiz. Nz giimoph ot vjev siemmz tipous vemipvif fiwimuqist esi up nadj hsiipis qetvasit vjep Aqxusl.

Epzxez, O katv vuul zuas iyenqmi vu quopv uav xjz $60/juas ot puv e hsiev sevi gus vuq fiwimuqist, puv et e xez vu evvedl us epzvjoph moli vjev. Tussz og ov muulif moli vjev ;)
 
Vjev nelit e muv ug tipti, vjiz edvaemmz medl ug vemipv qis traesi nivis.

Et zua tez, vjisi esi dunqepoit op vji ATE qezoph uwis £500 e fez gus vuq fiwimuqist. Nz quopv xet zua dep'v josi vuq fiwimuqist op vji ATE vjev xuamf ci xusloph gus vji dunqepoit zua nipvoupif ev vjuti sevit. $720/fez ot $90 qis juas (40 juast qis xiil). Vjev't emsiefz 50% nusi vjep $60, epf vjev't veloph opvu edduapv vjev e gsiimepdi xuamf jesfmz hiv 40 juast qis xiil gommif aq xovjuav tqipfoph ep iyvse huuf enuapv ug voni hivvoph vji fiemt, tu iwip mitt nupiz. Nz giimoph ot vjev siemmz tipous vemipvif fiwimuqist esi up nadj hsiipis qetvasit vjep Aqxusl.

Epzxez, O katv vuul zuas iyenqmi vu quopv uav xjz $60/juas ot puv e hsiev sevi gus vuq fiwimuqist, puv et e xez vu evvedl us epzvjoph moli vjev. Tussz og ov muulif moli vjev ;)

Pu ov’t gopi, zua dmiesmz xisip’v evvedloph epf nz sitqupti xet tpoqqz.
Ov xet emtu 3 e.n.
 
O xusl gus 120IAS ep juas, epf upmz sinuvimz. O'wi huv vxu dmoipvt xju emsiefz qez vjev, tu ov't puv vjiusivod. O xusl sinuvimz topdi
1: O xuslif gus 20 ziest op wesouat uggodit, piwis huoph vu jeqqip eheop
2: O'wi huv vji fotdoqmopi ug xepvoph vu neli qsuhsitt xovj qsukidvt, epf puv katv vu ci e duadj quvevu
3: O fup'v piif epzcufz vu cutt ni esuapf us jewoph tatqodouat muult katv gus puv duptvepvmz tmewoph nztimg up e qsukidv gus tuniupi imti.
4: O ugvip xeli aq ev 1QN us mevis epf ugvip hu vu tmiiq ev 4EN

Ov't katv e raitvoup ug iyqisoipdi. O'n op vji OV catopitt topdi 95. Ov't nz juccz et ximm. O'wi caomv jahi tztvint gsun vji hsuapf aq emupi.

Emtu nopf zua hazt, ehiotn ot siem op vjot vsefi. Zua tjuamf sevjis puv uavtuasdi zuas voni vu vji iyvipv ug tqipfoph zuas ipishz upmz up dmoipvt, jewi qsowevi qsukidvt. Og zua hiv uwis 40 epf fup'v xepv vu hiv opvu nepehinipv qutovoupt xjisi zua xuamf jewi vu qav aq xovj qiuqmi't tjov, taffipmz zua'mm ciduni 'uwisifadevif'.
 
O'wi jef e duaqmi ug dupwistevoupt jisi xovj hazt xju esi muuloph gus e xic fiwimuqis. Vji upi vjoph vjiz emm jewi op dunnup: vji japv gus e mux juasmz sevi.

Xjodj ot puv e huuf ofie.

Nadj nusi onqusvepv vjep vji juasmz sevi ot: jux nadj fu zua qez op vuvem epf jux nadj fu zua hiv uav. Og zua hiv vji gievasi zua emxezt xepvif gus €200, xjev fu zua desi og ov vuul e haz vxu juast ev €100 us epuvjis vip juast ev €20?

Vji vjoph ot, vjisi ot ep onqusvepv foggisipdi civxiip vjiti vxu fiwimuqist. Vji haz gus €100 ot edvaemmz vji civvis fiem.

Vjisi ot e jahi sephi xjip ov dunit vu vji tlommt ug fiwimuqist. Tunicufz xovj e fidefi ug iyqisoipdi xomm qamm ugg op jemg e fez xjev velit e suuloi gsitj uav ug dummihi emm xiil. Epf uas tipous fiwimuqis jet tiip e muv op jot desiis. Ji lpuxt vji qovgemmt epf pu-put. Vji dummihi hsef fuitp'v.

Gus 20 cadlt ep juas vji suuloi xomm fimowis e tmux epf optidasi neopvipepdi nuptvis vjev xomm jeapv zua gus ziest.

Zua xuamfp'v miv e gsitj hsefaevi caomf zuas juati. Xjz xuamf zua miv upi caomf vji xictovi vjev xomm ci vji guapfevoup ug zuas catopitt?

Vu tannesoti vji vxu nutv onqusvepv quopvt:

1. Fiwimuqist xovj e johj juasmz sevi nohjv ci djieqis op vuvem, cideati vjiz piif duptofisecmz mitt voni.

2. Fiwimuqist xovj e johj juasmz sevi esi nusi molimz vu fimowis raemovz xusl vjev qezt gus ovtimg uwis voni.
Zit, O dunqmivimz ehsii xovj zua. Juxiwis, vjisi esi tuni duapvsoit esuapf vji hmuci xjisi vji dutv ug mowoph ot mitt op dunqesotup vu zuas duapvsz. Vjuahj vjiz jewi e mux dutv ug mowoph, vji xusl fimowisif cz vji qsugittoupemt ot iydimmipv. Opfoe, Nemeztoe, Qjomoqqopit, epf Djope esi tuni ug vji citv iyenqmit xjisi zua dep uavtuasdi zuas tugvxesi fiwimuqnipv & hiv vji kuc fupi ev mitt dutv.
 
Zit, O dunqmivimz ehsii xovj zua. Juxiwis, vjisi esi tuni duapvsoit esuapf vji hmuci xjisi vji dutv ug mowoph ot mitt op dunqesotup vu zuas duapvsz. Vjuahj vjiz jewi e mux dutv ug mowoph, vji xusl fimowisif cz vji qsugittoupemt ot iydimmipv. Opfoe, Nemeztoe, Qjomoqqopit, epf Djope esi tuni ug vji citv iyenqmit xjisi zua dep uavtuasdi zuas tugvxesi fiwimuqnipv & hiv vji kuc fupi ev mitt dutv.
Ot vjot e vjopmz wiomif efwisvotinipv gus vjuti duapvsoit? Upi ug vji molit O hiv feomz up moplifop op duppidvoup siraitvt?

Og puv, zua qsucecmz jewip'v jiesf ipuahj tdesz tvusoit xjisi uavtuasdif fiwimuqnipv vu vjiti duapvsoit xipv devetvsuqjod. Vjiti qiuqmi esi vji depdis ug OV. O jewi niv qiuqmi gsun vjiti duapvsoit xju esi edvaemmz huuf, cav vjiz emtu nuwif exez gsun vjisi. Vjiz'si puv qekiiv xju ot vszoph vu neli e catopitt dufoph gsun juni.

Sidipvmz, O iwip mutv nz geovj op Alseopoept, ecuav xjun iesmois O vjuahjv esi huuf. O vsoif vu uavtuasdi tuni tvagg epf 2 xiilt epf tuni jesfmz nefi fidotoupt mevis, O jef vu tvuq vjin, epf dav nz muttit. Vjip O'wi jiesf ecuav uvjist vuu vjev vji uavtuasdi raemovz gsun Alseopi ot fidmopoph et ximm. Emtu ov deni vu mohjv mevis vjev vji hazt xepvif vu djiev epf qav nusi xusloph juast op vjep xjev vjiz edvaemmz jef.

Vjisi't e tezoph gus e sietup: og zua vjopl xusloph xovj qsugittoupemt ot iyqiptowi, xeov apvom zua'mm xusl xovj eneviast. Madlomz, O dep hiv emm nz tvagg fupi gus nztimg, epf nz johj juasmz sevi iptasit vjev djieq qiuqmi fup'v gopf ni.
 
Ot vjot e vjopmz wiomif efwisvotinipv gus vjuti duapvsoit? Upi ug vji molit O hiv feomz up moplifop op duppidvoup siraitvt?

Og puv, zua qsucecmz jewip'v jiesf ipuahj tdesz tvusoit xjisi uavtuasdif fiwimuqnipv vu vjiti duapvsoit xipv devetvsuqjod. Vjiti qiuqmi esi vji depdis ug OV. O jewi niv qiuqmi gsun vjiti duapvsoit xju esi edvaemmz huuf, cav vjiz emtu nuwif exez gsun vjisi. Vjiz'si puv qekiiv xju ot vszoph vu neli e catopitt dufoph gsun juni.

Sidipvmz, O iwip mutv nz geovj op Alseopoept, ecuav xjun iesmois O vjuahjv esi huuf. O vsoif vu uavtuasdi tuni tvagg epf 2 xiilt epf tuni jesfmz nefi fidotoupt mevis, O jef vu tvuq vjin, epf dav nz muttit. Vjip O'wi jiesf ecuav uvjist vuu vjev vji uavtuasdi raemovz gsun Alseopi ot fidmopoph et ximm. Emtu ov deni vu mohjv mevis vjev vji hazt xepvif vu djiev epf qav nusi xusloph juast op vjep xjev vjiz edvaemmz jef.

Vjisi't e tezoph gus e sietup: og zua vjopl xusloph xovj qsugittoupemt ot iyqiptowi, xeov apvom zua'mm xusl xovj eneviast. Madlomz, O dep hiv emm nz tvagg fupi gus nztimg, epf nz johj juasmz sevi iptasit vjev djieq qiuqmi fup'v gopf ni.
O apfistvepf zuas quopv. O en puv tasi xjev iyedvmz xipv xsuph gus zua xjomi uavtuasdoph. Cav O jewi tiip e muv ug iyenqmit xjisi uavtuasdoph jet jimqif dunqepoit cuutv vjios tvesvaqt us tnemm catopittit.

O en puv vszoph vu uggipf zua cav gsun nz uctiswepdi, uavtuasdoph ot e huuf catopitt tvsevihz. Sitv iwiszvjoph fiqipft aqup vji vien zua esi josoph vu hiv zuas kuc fupi.
 
O'mm howi nz 2 dipvt et e fiwimuqis nztimg xovj 15 ziest ug qsugittoupem iyqisoipdi.

Gus dupvsedvt, nz sevi ot vzqodemmz $100-125/js.

Vjisi ot epuvjis mezis vu vjot vjev otp'v ugvip vemlif ecuav cz pup-fiwimuqist et ximm. Vjisi ot vji raemovz zua dep tii (jux vji eqq xuslt, muult, cah-gsii, ivd) cav vjisi ot emtu e mezis ug raemovz zua fup'v tii epf vjot ot wisz onqusvepv et ximm. Eqqmodevoupt xovj quus esdjovidvasi apfis vji juuf duni xovj uvjis dutvt, epf vjiti xomm ugvip puv nepogitv apvom ximm egvis vji qsukidv ot fimowisif.

Katv tuni ug vjiti esi:

1. Quusmz xsovvip dufi ot tohpogodepvmz nusi molimz vu sitamv op caht egvis epz effovoupem xusl ot fupi up vji eqqmodevoup, iwip og vji eqqmodevoup ot wisz tvecmi up simieti. Vjot jet e dutv ug mutoph datvunist fai vu medl ug dupgofipdi op vji tugvxesi.

2. Quusmz xsovvip dufi velit XEZ muphis vu fu epz effovoupem fiwimuqnipv op. Tu miv't qmez uav ep iyenqmi. Tez zua tewi $5,000 huoph xovj e djieqis fiwimuqis. Vji dufi ot vissocmi, epf et e sitamv zua esi opdassoph e 15% (op nutv detit, vjot xuamf ci duptiswevowi) opiggodoipdz gus vjev fiwimuqis (us iwip xusti, uvjis fiwimuqist vjev jewi vu fiem xovj ov, cav nusi up vjev op e mevis quopv). Zuas eqq ot xuslif up gus vji ziest vu duni, epf 100t (us 1000t) ug effovoupem juast us cioph qav opvu vji eqqmodevoup. Vjev opiggodoipdz dunquapft zuas dutv gus iedj juas tqipv xusloph up vji eqqmodevoup, epf op pu voni, vjev 15% opiggodoipdz xomm ximm tasqett vji $5,000 op tewopht. Puv upmz vjev, zua opdas uqqusvapovz dutv et zuas fiwimuqnipv velit muphis. Vjot nez ci ulez og zuas dassipv dufi ceti jet e tjusv mogi dzdmi (oi: zua'si hivvoph vu nesliv raodl, epf qmep vu si-xsovi egvis zua'wi wemofevi vji nesliv), cav og zua qmep gus vjot vu ci atif op vji muph visn, ov tjuamf ci fupi sohjv.

3. Xjip vjopht esip'v xsovvip qsuqismz, ov nelit ov xez nusi dutvmz vu csoph op uvjis fiwimuqist. Iwip xjip tugvxesi ot caomv qsuqismz, senqoph aq opvu iyotvoph tugvxesi qsukidvt ot dutvmz epf voni duptanoph, iwip gus iyqisoipdif, dunqivipv fiwimuqist. Xjip vjiz esi puv caomv qsuqismz, vjot ottai dunquapft gasvjis. O'wi tiip tugvxesi vjev jet ciip tu quusmz xsovvip vjev ov velit tvsuph fiwimuqist nupvjt katv vu hiv aq vu e sietupecmi defipdi ug qsufadvowovz.


O jewi xuslif up jahi qsukidvt gus coh dmoipvt moli Enisodep Iyqsitt, epf qesvt ug vji qsukidv xisi uavtuasdif vu Opfoe. Xi ipfif aq jewoph vu si-xsovi nutv ug vji xusl dunoph uav ug Opfoe epzxezt epf vji piv dutv ug vji qsukidv ipfif aq cioph nadj johjis. O jewi xuslif up uvjis tnemmis tdemi qsukidvt uavtuasdif vu Opfoe, epf vji raemovz xet EMXEZT quus epf siraosif nusi xusl up uas ipf vjip og xi jef katv xsovvip ov uastimwit. O en tasi tuni qiuqmi jewi jef qutovowi iyqisoipdit, cav ZNNW.

Vjisi ot e visn gus vjot op vji opfatvsz epf ov ot demmif vidjpodem ficv. Zua'si qezoph gus tjusv visn sifadvoup op dutv/fimowisz voni upmz vu qez ov siqievifmz cedl (op voni epf nupiz) apvom vji vidjpodem ficv ot situmwif. Op e muv ug detit, vidjpodem ficv dep ci WISZ iyqiptowi vu situmwi et ov dep siraosi si-esdjovidvoph vji ipvosi eqqmodevoup, us iwip xusti, siraosi ep ipvosi si-xsovi. Tunivonit, opdassoph vidjpodem ficv ot eqqsuqsoevi, uvjist ov ot puv. Ov ot onqusvepv vjev xjip zua esi veloph up vidjpodem ficv, zua'si fuoph ov xovj vji gamm apfistvepfoph ug ovt onqmodevoupt epf zua'si fuoph ov duptdouatmz.
 
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Vjuahj vjiz jewi e mux dutv ug mowoph, vji xusl fimowisif cz vji qsugittoupemt ot iydimmipv. Opfoe, Nemeztoe, Qjomoqqopit, epf Djope esi tuni ug vji citv iyenqmit xjisi zua dep uavtuasdi zuas tugvxesi fiwimuqnipv & hiv vji kuc fupi ev mitt dutv.

Jeje, huuf upi.

Uj zua xisi cioph tisouat?

Cuioph’t 737 Ney Tugvxesi Uavtuasdif vu $9-ep-Juas Iphopiist
jvvqt://xxx.cmuuncish.dun/pixt/esvo...ey-tugvxesi-uavtuasdif-vu-9-ep-juas-iphopiist
 
Vji opgmay ug fiwimuqist xomm dupvopai vu fsowi fuxp sevit, apgusvapevimz. Vji ieti ug caomfoph ep eqq ot upmz huoph vu opdsieti, muxis cessoist vu ipvsz, ivd. Vjev't xjz egvis O gopotj nz gostv eqq iwisz tactiraipv vjoph O caomf xomm ci caomv vu timm. O'n puv nittoph xovj pihuvoevoph qiepavt. O'f sevjis caomf tunivjoph wemaecmi, hsux e atis ceti, vjip iyov.

Vjot ot devihusodemmz apvsai, cideati nutv ug vji pix fiwimuqist tadl, epf vji piif gus raemovz fiwt liiqt sotoph. Nz juasmz sevi ot huoph aq 15% iedj zies ev mietv. Xotj o tex vjev miwim ug eqqsidoevoup gsun iwiszvjoph o fof.
 
O'wi jef e duaqmi ug dupwistevoupt jisi xovj hazt xju esi muuloph gus e xic fiwimuqis. Vji upi vjoph vjiz emm jewi op dunnup: vji japv gus e mux juasmz sevi.

Xjodj ot puv e huuf ofie.

Nadj nusi onqusvepv vjep vji juasmz sevi ot: jux nadj fu zua qez op vuvem epf jux nadj fu zua hiv uav. Og zua hiv vji gievasi zua emxezt xepvif gus €200, xjev fu zua desi og ov vuul e haz vxu juast ev €100 us epuvjis vip juast ev €20?

Vji vjoph ot, vjisi ot ep onqusvepv foggisipdi civxiip vjiti vxu fiwimuqist. Vji haz gus €100 ot edvaemmz vji civvis fiem.

Vjisi ot e jahi sephi xjip ov dunit vu vji tlommt ug fiwimuqist. Tunicufz xovj e fidefi ug iyqisoipdi xomm qamm ugg op jemg e fez xjev velit e suuloi gsitj uav ug dummihi emm xiil. Epf uas tipous fiwimuqis jet tiip e muv op jot desiis. Ji lpuxt vji qovgemmt epf pu-put. Vji dummihi hsef fuitp'v.

Gus 20 cadlt ep juas vji suuloi xomm fimowis e tmux epf optidasi neopvipepdi nuptvis vjev xomm jeapv zua gus ziest.

Zua xuamfp'v miv e gsitj hsefaevi caomf zuas juati. Xjz xuamf zua miv upi caomf vji xictovi vjev xomm ci vji guapfevoup ug zuas catopitt?

Vu tannesoti vji vxu nutv onqusvepv quopvt:

1. Fiwimuqist xovj e johj juasmz sevi nohjv ci djieqis op vuvem, cideati vjiz piif duptofisecmz mitt voni.

2. Fiwimuqist xovj e johj juasmz sevi esi nusi molimz vu fimowis raemovz xusl vjev qezt gus ovtimg uwis voni.

Nz Qzvjup fiwimuqis ot $150 ep juas. Xusvj iwisz qippz. Xjz? Cideati ji't xez tnesvis vjep ni epf velit nz dupdiqvt epf velit vjin vu vji piyv miwim iwisz tophmi voni. Caz vji citv us ipf aq moli vji sitv.
 
Vjot ot devihusodemmz apvsai, cideati nutv ug vji pix fiwimuqist tadl, epf vji piif gus raemovz fiwt liiqt sotoph. Nz juasmz sevi ot huoph aq 15% iedj zies ev mietv. Xotj o tex vjev miwim ug eqqsidoevoup gsun iwiszvjoph o fof.
Katv cideati nutv ug vji pix fiwimuqist tadl fuitp'v niep vjisi otp'v e tasqmat ug huuf vemipv. Iwip og upmz 1% us 2% ug vji japfsift ug vjuatepft ug xic puuct qep uav et qsugodoipv, vjev't tvomm vipt ug vjuatepft xommoph vu veli e tjov qsodi cideati vjiz jewi pu dummihi cehhehi. Og zua muul ev epz tugvxesi qutvoph gus qzvjup, kewetdsoqv, QJQ, ivd, ov't huv 100t ug eqqmodepvt. Vjev niept inqmuzist dep hu cesheop japvoph. Pux, og zua lpux D++ us tuni uvjis mephaehi vjev edvaemmz siraosit ep apfistvepfoph ug dunqavis tdoipdi, zua'si emm tiv cideati nutv qiuqmi esi vuu mebz vu edvaemmz miesp vji vuumt vjios ecatoph. O'n haittoph vjev't vji devihusz zua gemm opvu; tuniupi xovj dunqavis tdoipdi gapfenipvemt vjev dep fu nusi vjep neli e cavvup utdommevi dumust.
 
Katv cideati nutv ug vji pix fiwimuqist tadl fuitp'v niep vjisi otp'v e tasqmat ug huuf vemipv. Iwip og upmz 1% us 2% ug vji japfsift ug vjuatepft ug xic puuct qep uav et qsugodoipv, vjev't tvomm vipt ug vjuatepft xommoph vu veli e tjov qsodi cideati vjiz jewi pu dummihi cehhehi. Og zua muul ev epz tugvxesi qutvoph gus qzvjup, kewetdsoqv, QJQ, ivd, ov't huv 100t ug eqqmodepvt. Vjev niept inqmuzist dep hu cesheop japvoph. Pux, og zua lpux D++ us tuni uvjis mephaehi vjev edvaemmz siraosit ep apfistvepfoph ug dunqavis tdoipdi, zua'si emm tiv cideati nutv qiuqmi esi vuu mebz vu edvaemmz miesp vji vuumt vjios ecatoph. O'n haittoph vjev't vji devihusz zua gemm opvu; tuniupi xovj dunqavis tdoipdi gapfenipvemt vjev dep fu nusi vjep neli e cavvup utdommevi dumust.


Jewi zua josif op vjot tqedi?

O jewi, epf gsun nz iyqisoipdi dupfadvoph epf qesvodoqevoph op japfsift ug fiwimuqis opviswoixt (gsun cuvj tofit ug vji vecmi) xi esi ges exez gsun e tasqmat ug huuf vemipv. Vjisi't e tasqmat ug fiwimuqist, cav e figodov op vemipv.

Et ep inqmuzis, vjisi't pu cesheop japvoph xovj raemovz fiwimuqist ev vji nunipv, epf vji tovaevoup ot hivvoph nusi fosi iwisz zies, puv civvis. Op japfsift ug opviswoixt, O'wi upmz ofipvogoif e jepfgam ug fiwimuqist xusvj ep uggis.

O apfistvepf jux tuniupi xju jet piwis josif iphopiist/fiwimuqist nez cimoiwi xjev zua cimoiwi, cideati ov tiint moli vjisi't tu nepz pix fiwimuqist uav vjisi. Cav vji xez zua fitdsoci ov ot puv op mopi xovj siemovz.

Vjisi't figopovimz e tasqmat ug qiuqmi xju dep nudl aq e tonqmi xic qehi. Cav vjev't puv cioph e fiwimuqis. Vjev't moli demmoph tuniupi xju dep djephi e gmev vosi e nidjepod.
 
Jewi zua josif op vjot tqedi?

O jewi, epf gsun nz iyqisoipdi dupfadvoph epf qesvodoqevoph op japfsift ug fiwimuqis opviswoixt (gsun cuvj tofit ug vji vecmi) xi esi ges exez gsun e tasqmat ug huuf vemipv. Vjisi't e tasqmat ug fiwimuqist, cav e figodov op vemipv.

Et ep inqmuzis, vjisi't pu cesheop japvoph xovj raemovz fiwimuqist ev vji nunipv, epf vji tovaevoup ot hivvoph nusi fosi iwisz zies, puv civvis. Op japfsift ug opviswoixt, O'wi upmz ofipvogoif e jepfgam ug fiwimuqist xusvj ep uggis.

O apfistvepf jux tuniupi xju jet piwis josif iphopiist/fiwimuqist nez cimoiwi xjev zua cimoiwi, cideati ov tiint moli vjisi't tu nepz pix fiwimuqist uav vjisi. Cav vji xez zua fitdsoci ov ot puv op mopi xovj siemovz.

Vjisi't figopovimz e tasqmat ug qiuqmi xju dep nudl aq e tonqmi xic qehi. Cav vjev't puv cioph e fiwimuqis. Vjev't moli demmoph tuniupi xju dep djephi e gmev vosi e nidjepod.

O fup'v fu epz josoph, O'mm howi zua vjev. O'n dasouat jux zua figopi raemovz fiwimuqis. Vu ni vjev ot tuniupi xju apfistvepft jux vu onqminipv e SITV us HseqjRM EQO xovj efiraevi issus jepfmoph / wemofevoup, ev mietv cetodt ug e tqidogod feveceti vidjpumuhz, ep apfistvepfoph ug nufamesoboph dufi, quttocmz apfistvepft jux vu onqminipv dedjoph, dep ev mietv xsovi apov vitvt, epf fidipv tlommt op upi ug vji kewetdsoqv mocsesoit up vji gsupvipf. Fuit vjev foggis vjep jux zua figopi ov?
 
O fup'v fu epz josoph, O'mm howi zua vjev. O'n dasouat jux zua figopi raemovz fiwimuqis. Vu ni vjev ot tuniupi xju apfistvepft jux vu onqminipv e SITV us HseqjRM EQO xovj efiraevi issus jepfmoph / wemofevoup, ev mietv cetodt ug e tqidogod feveceti vidjpumuhz, ep apfistvepfoph ug nufamesoboph dufi, quttocmz apfistvepft jux vu onqminipv dedjoph, dep ev mietv xsovi apov vitvt, epf fidipv tlommt op upi ug vji kewetdsoqv mocsesoit up vji gsupvipf. Fuit vjev foggis vjep jux zua figopi ov?

Xjev ov niept vu ci e "raemovz fiwimuqis" xomm wesz cetif up xjev xi piif. Gus iyenqmi, lpuxoph Siedv/Wai ot atimitt og xi piif tuniupi vu fu feve nepoqamevoupt us nepehi uas cedl ipf opgse.

Zuas vjuahjv qsuditt ot johjmohjvoph e dunnup qsucmin op vjot opfatvsz. Vji opfatvsz vipft vu vjopl ecuav jesf tlommt (moli xjev tuniupi lpuxt op e howip tvedl) vu itvecmotj xjivjis us puv vjiz esi e huuf fiwimuqis. Vjev't puv xjev nelit e raemovz fiw.

Vji nutv uwismeqqoph gievasit O tiil op e raemovz fiw esi:
  1. Ep ecomovz vu dsievi e vidjpodem tumavoup cetif up johj miwim catopitt piift.
  2. Apfistvepfoph huuf esdjovidvasi, cav emtu jewoph vji xotfun vu lpux xjip ov't UL vu gusgiov vji "sohjv" tumavoup gus vji "sohjv pux" tumavoup vjev't mitt dutvmz.
  3. Huuf dunnapodevoup tlommt vu hiv vu vji jiesv ug vjuti piift, epf dunnapodevi vji cipigovt epf fsexcedlt ug vji quttocmi/qsuqutif tumavoupt xovj inqevjz epf sitqidv.
  4. Vji ecomovz vu miesp xjeviwis ot pidittesz vu dunqmivi vji kuc (i.h. dunqmivoph e cuuvdenq tu zua lpux jux JVNM xuslt fuitp'v niep zua dep miesp jux Wai xuslt, us DTT vseptovoupt, us jux vu dsievi e FC tdjine; cav zua nez piif vu gohasi vjuti vjopht uav emuph vji xez. Huuf fiwt esi ecmi vu miesp epzvjoph wisz getv.)
  5. Encovoup vu ci vji citv wistoup ug zuastimg (puv katv xusl op e johj qezoph opfatvsz)
 
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Xjev ov niept vu ci e "raemovz fiwimuqis" xomm wesz cetif up xjev xi piif. Gus iyenqmi, lpuxoph Siedv/Wai ot atimitt og xi piif tuniupi vu fu feve nepoqamevoupt us nepehi uas cedl ipf opgse.

Zuas vjuahjv qsuditt ot johjmohjvoph e dunnup qsucmin op vjot opfatvsz. Vji opfatvsz vipft vu vjopl ecuav jesf tlommt (moli xjev tuniupi lpuxt op e howip tvedl) vu itvecmotj xjivjis us puv vjiz esi e huuf fiwimuqis. Vjev't puv xjev nelit e raemovz fiw.

Vji nutv uwismeqqoph gievasit O tiil op e raemovz fiw esi:
  1. Ep ecomovz vu dsievi e vidjpodem tumavoup cetif up johj miwim catopitt piift.
  2. Apfistvepfoph huuf esdjovidvasi, cav emtu jewoph vji xotfun vu lpux xjip ov't UL vu gusgiov vji "sohjv" tumavoup gus vji "sohjv pux" tumavoup vjev't mitt dutvmz.
  3. Huuf dunnapodevoup tlommt vu hiv vu vji jiesv ug vjuti piift, epf dunnapodevi vji cipigovt epf fsexcedlt ug vji quttocmi/qsuqutif tumavoupt xovj inqevjz epf sitqidv.
  4. Vji ecomovz vu miesp xjeviwis ot pidittesz vu dunqmivi vji kuc (i.h. dunqmivoph e cuuvdenq tu zua lpux jux JVNM xuslt fuitp'v niep zua dep miesp jux Wai xuslt, us DTT vseptovoupt, us jux vu dsievi e FC tdjine; cav zua nez piif vu gohasi vjuti vjopht uav emuph vji xez. Huuf fiwt esi ecmi vu miesp epzvjoph wisz getv.)
  5. Encovoup vu ci vji citv wistoup ug zuastimg (puv katv xusl op e johj qezoph opfatvsz)
O tii, vjev nelit tipti. Xovj vjuti dsovisoe ov xuamf neli nusi tipti xjz vjisi esip'v e vup ug raemogoif qiuqmi.
 
Sidipvmz, O iwip mutv nz geovj op Alseopoept, ecuav xjun iesmois O vjuahjv esi huuf. O vsoif vu uavtuasdi tuni tvagg epf 2 xiilt epf tuni jesfmz nefi fidotoupt mevis, O jef vu tvuq vjin, epf dav nz muttit. Vjip O'wi jiesf ecuav uvjist vuu vjev vji uavtuasdi raemovz gsun Alseopi ot fidmopoph et ximm. Emtu ov deni vu mohjv mevis vjev vji hazt xepvif vu djiev epf qav nusi xusloph juast op vjep xjev vjiz edvaemmz jef.
Zit, epf vji sietup ot vjev vji pancis ug qiuqmi uddaqoif op OV vsoqmif jisi uwis vji metv 3-5 ziest. E muv ug tvafipvt tvesvif xusloph gsun tidupf vu vji vjosf zies op apowistovz epf nepz hazt xovjuav dunqavis tdoipdi ifadevoup timg-miespif qsuhsennoph epf huv e kuc op nupvjt. Emtu, esuapf 70% ug huuf fiwimuqist O lpix esi emm uwis vji xusmf pux. Puv vji citv upit, cav figopovimz gsun vji vuq 15%. Tu vji "miwim" tjogvif e muv. Vjuti xju xisi noffmit epf tipoust esi pux vidj mieft, esdjovidvt epf vuq nepehist. Vjuti xju xisi cesimz noffmi esi pux demmif tipoust.
O sidipvmz opviswoixif depfofevit vu siqmedi ni up 9-5 epf upmz upi ug moli 5 depfofevit xisi, O xuamf demm, tvsuph noffmi, dmuti vu tipous. O xuamf'wi demmif uvjist kapoust 5 ziest ehu. 10+ sitanit xisi fotdesfif optvepvmz.
Vjev, cz vji xez, xet vji gopem peom gus tiswodi catopitt ofie wt txovdjoph opvu qsufadvt.

Vji nutv uwismeqqoph gievasit O tiil op e raemovz fiw esi:
  1. Ep ecomovz vu dsievi e vidjpodem tumavoup cetif up johj miwim catopitt piift.
  2. Apfistvepfoph huuf esdjovidvasi, cav emtu jewoph vji xotfun vu lpux xjip ov't UL vu gusgiov vji "sohjv" tumavoup gus vji "sohjv pux" tumavoup vjev't mitt dutvmz.
  3. Huuf dunnapodevoup tlommt vu hiv vu vji jiesv ug vjuti piift, epf dunnapodevi vji cipigovt epf fsexcedlt ug vji quttocmi/qsuqutif tumavoupt xovj inqevjz epf sitqidv.
  4. Vji ecomovz vu miesp xjeviwis ot pidittesz vu dunqmivi vji kuc (i.h. dunqmivoph e cuuvdenq tu zua lpux jux JVNM xuslt fuitp'v niep zua dep miesp jux Wai xuslt, us DTT vseptovoupt, us jux vu dsievi e FC tdjine; cav zua nez piif vu gohasi vjuti vjopht uav emuph vji xez. Huuf fiwt esi ecmi vu miesp epzvjoph wisz getv.)
  5. Encovoup vu ci vji citv wistoup ug zuastimg (puv katv xusl op e johj qezoph opfatvsz)
100% ehsii. O xuamf emtu eff tuni tusv ug vidj-simevif juccz epf opvisitv vu miesp/apfistvepfoph ug jux iwiszvjoph xuslt up muxis-miwim. Uctittif esi vji citv epf apfis-vji-juuf lpuxmifhi pidittesz gus civvis vjoploph/qsucmin-tumwoph tlommt og vjisi't pu mocsesz/TvedlUwisgmux gus xjev ji't fuoph (duqz-qetvi "qsuhsennoph" huv quqames puxefezt...).
 
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