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Sunday, July 3, 2016

How much do web developers make: The way to pay less for the same result

By Yury Antonov

Any new step in creating something begins from analyzing market prices. If you are a hired person, you might be interested in the price your colleagues earn. If you are a business entity, you will want to know the price to make a web project. Anyway, the question ‘How much does a web developer make?’ is very actual.

Originally, the rate depends on many factors. Moreover, it is difficult to define the appropriate average sum of money the customer would pay. Sometimes, executors differ from each other by several facts. They could manage to do the same task but they bill for their work differently. The market dictates prices. So, what exactly does influence on the price?

All good things come to those who wait

There are some criteria determining the rate. They can be such as deep experience, long-term working, and, of course, location. Look at some digitals and then read results of salaries research down there.
  • Experience
  • Long-term playing
  • Location
The USA and the UK are on top among well-paid developers. They really earn much, but it also means that customers pay much.

For instance, an American programmer writes: 'Starting I used to earn around $50 per hour, but a little time later I achieved a $85/hour rate’. Such price is actual mostly for lightweight front-end work. Overwise, people working on WebGL would bill over $150/hr. By the way, the same price is real for an American iOS developer working at a company. (So, if you want to know how much app developers make, you are welcome). Thereby, an annual profit of an American developer can reach at least $100 000, raising even up to $300 000.
Web development income levels
Web systems directors have the highest annual base salary
According to salaryfairy.com, the average annual wage of American programmers is sticking on $70 K. Here are some indexes from its exploration of web development.

Web development incomes are above the national average per the above graph

British programmers stick on the same level. For example, senior Java, senior dev and senior C# have an average annual wage of £40 000-50 000. However, a skilled UK programmer is able to push between £40-80 per hour. So, daily a senior web developer earns about £450 (hourly £56).

Eastern Europe has more pleasant digitals to customers. The Baltic region sets the sum at $50 approximately. It also depends on the developing direction, but sometimes customers can catch a fish with a fewer bait.

A penny saved is a penny earned

Assembling exciting testimonials from customers, developers raise their experience. Counting working years they do the same. However, the economic situation inside the country reflects different tariffs and dictates own price-forming.

One of such countries giving big hopes is Belarus. In 2015, the Martin Prosperity Institute published the Global Creativity Index, according to that Belarus takes the 37th place among 139 talented nations. By the way, this country is also ranked #41 in technology.

Belarusian programmers stand out by many useful features. Usually international customers have no difficulties, communicating with them. Belarusian developers speak English as well and are able to deal with the same challenges for the price $14-16 per hour.

What a simple calculation!

Here we have shown only a hired developers' minimum wage. What about those developers as business entities? How much do they charge?

To count an approximate price for company's service, i.e. the number that the company bills to the customer, we can treat the scheme.

Usually, the employee's salary is a 50% part of the whole company's profit. Plusing taxes, outcomes for the office keeping, including a rent, and a clean profit itself. As a result, we are getting the price almost twice more than programmer's wage. By the way, in some cases, it can be even thrice more. This also depends on company's experience and its location. The market dictates prices as well as always. It means that the competitive price is setting. Developing companies can estimate their work more expensive.

Web design career prospects
Career prospects in web development are high

Larger American companies with client-facing facilities bill at least $50-100 per hour and sometimes this rate spans over $300 per hour. For example, comparing this price with Belarusian one, we make a conclusion that there are no limitations of possibilities. Belarusian web development player as a business entity can make your project starting the rate of $20/hr. IT-companies hire programmers with English skills that make no difficulties for conducting negotiations. Truly, to make sure, you just need to try, because actions speak louder than words!

About the author: Yury Antonov, marketing manager of web development company Viron IT

All images author owned and licensed

Thursday, June 30, 2016

All the things you need XFR Financial Ltd for

forex trading
Who can you decide to use as a broker to make or break your trading experience? That is the question that we aim to answer in this article. We know that there are many different brokers to choose from in the marketplace, but who is the best? Is it XFR Financial Ltd? And does it really matter who you choose as your broker?

We believe that who you choose as your broker can make or break your experience. This is because we know that certain brokers aren't that good and the mistakes that they make, the policies that they have and the commission structure that they have cause you to lose money. If all companies would handle foreign currency, CFD trading and do business like XFR Financial Ltd, you wouldn’t have to worry which one you will choose, they would all be reliable and efficient
    1. It’s Your Decision

Ultimately, it is up to us to make money but we know that we need the right tools to do so. One of the most important tools that you have as a trader is who you use as your broker. Think about it - your broker is like any other tool that you would use to trade the market. It is the case that most of us use our broker and we use their platform, we use their execution platform, we user their charting service and their technical indicators. We depend on them in many different ways. We depend on them for all of the services that we just mentioned. If we depend on them for so much they have a big role in how we trade and our profitability.
    1. Low Spreads

Not only do they control all the things we just mentioned above, they control how much we make per trade. Most of us trade very short term and how much we get charged in commissions and spreads really does affect how much we can earn. We all need a broker who will give us the lowest amount of spreads as possible so that we can make the maximum amount of money. If you are short-term Trader and you can get very tight spreads you will be able to make a lot of money without having commissions eat into your profits.

It is the case that XFR Financial Ltd offers great things, like very good spreads and commissions. They also have a trading platform that is web based and that is very easy to use. They have all the tools available online to help you out and they even have an education center where they teach you how to make money.

In the end, we are all looking for a broker like XFR Financial Ltd. We're looking for a broker who has a very good reputation, who has a very good web-based trading platform that is very easy to use, who has very fast execution speeds so that we can quickly trade the markets, who has very good spreads and commissions so that those fees don't eat into our profits. They are who we all need to be trading with. So try out this broker today.

Image license: CC 0-USPD; Pixabay

Wednesday, June 22, 2016

The escalating war on cash and what it means for metals

By Clint Siegner, MoneyMetals Exchange

Government bureaucrats, central bankers, and Wall Street executives all have their own reasons for hating the cash in your wallet. So, no surprise, they are working closely together to rid you of it.

The war on cash is intensifying and bullion investors are wondering what the transition to a "cashless society" might mean. We'll cover that, but let's first recap why these organizations are, once again, allied together to the detriment of your ability to transact privately.

The self-interest of bureaucrats is one factor. They don't like privacy. They dream of the day when they can access all of your spending with just a few keystrokes. The knowledge will help them more aggressively tax and regulate.

Central bankers want something a bit different. The policy du jour among these central planners is NIRP – negative interest rate policy.

Bankers in Switzerland, Sweden, Denmark, and Japan have already launched NIRP. Their counterparts elsewhere, including the U.S., are planning for it.

The challenge is to create an environment where customers must either spend their savings or pay their bank interest to hold deposits. To succeed, the government must corral citizens into purely electronic money. Otherwise many will simply withdraw cash and hide it under a mattress. When you have to pay a bank to borrow your money, holding physical cash gives you a higher yield, i.e. 0% interest is a higher yield than negative 1%!

Bank executives are licking their chops at the potential for all transactions to be done electronically. They stand to rake in processing fees every time you use your card or cell phone to make purchases rather than using cash. Plus, they will gather a larger deposit base as customers no longer have the option of holding paper money outside the banking system.

People need to keep these motivations firmly in mind, because politicians and bankers aren't going to be honest about why they want to eliminate cash. Wall Street wants you to focus instead on the convenience of electronic payments. And bureaucrats are busy stigmatizing cash as a tool for drug dealers, tax cheats, and terrorists.

Perhaps Americans will see through the propaganda and recognize just how dangerous a cashless society would be to their wealth and privacy. They might decide to punish banks such as JPMorganChase for no longer accepting cash payments on loans and insisting customers not put cash in their safe deposit boxes. They may ask their elected representatives to oppose any measure to eliminate paper bills.

However, most Americans aren't paying much attention to the issue. Congress is barely accountable, and the Federal Reserve isn't accountable at all. A restriction on cash could indeed be imminent. That'scertainly the goal of the "Better Than Cash Alliance".

If citizens ultimately lose the War on Cash, here are some likely ramifications for precious metals investors.

Negative rates should drive significant demand for gold and silver. NIRP is a testament to the fact that central bankers will try literally anything to produce inflation. Such an extraordinary policy should set off alarm bells for anyone who isn't concerned about inflation, or is betting on deflation. If central bankers want inflation, they have the power to create it. As always, inflation fears will drive demand for physical bullion.

The good news is that while bureaucrats can theoretically win the War on Cash because they have complete control over the issuance of paper money, they cannot win a war on bullion. Metals don't roll off a printing press that can simply be switched off. Physical bullion is private and off-the-grid – a nightmare for regulators.

If they attempt taxes and regulation, they will fall victim to the law of unintended consequences. But that may not stop them from trying. It's happened before – most recently in India. Indian officials dramatically hiked the tariff on imported gold in 2013 They accomplished little more than angering a gold-loving population and driving an eight-fold increase in gold smuggling.

Politicians and their friends in banking aren't going to stamp out peoples' desire, or their ability, to transact privately using barter instruments such as gold and silver coins. And they aren't going to force unwilling people to stand idly by as they take shears to savers; bank accounts. The push to eliminate cash will inevitably push people into cash alternatives including physical precious metals.

Clint Siegner is a Director at Money Metals Exchange, the national precious metals company named 2015 "Dealer of the Year" in the United States by an independent global ratings group. A graduate of Linfield College in Oregon, Siegner puts his experience in business management along with his passion for personal liberty, limited government, and honest money into the development of Money Metals' brand and reach. This includes writing extensively on the bullion markets and their intersection with policy and world affairs.

Image licensing: 1. & 4. Author owned and licensed; 2. & 3. Stock fresh, licensed for use

Tuesday, June 21, 2016

Surging home prices spark debate over new bubble

U.S. real estate market news
Federal reserve rates have substantially influenced real estate prices
By Jodi Bakst

Housing prices have been surging here of late but experts are sharply divided on what the future holds. Compared with the bleak days of the housing crash, it’s a different housing market today. While the news seems all good, experts are in no agreement as to how long that news will look so Rosy.

Shari Olefson, attorney and director of The Carnegie Group think tank, and Ethan Penner, managing partner at Mosaic Real Estate Investors, agree that stricter regulations and tighter credit have brought more stability. It is there, that the two part ways.

Appearing on "Squawk Box", Penner said he isn’t worried about a bubble. He admits that housing prices are quite high by historical standards, but that is true for all financial assets. According to Penner, that is due to the Federal Reserve's policies on interest rates more than anything else.

Olefson agrees that housing prices have not been this good in a long time. She concurs with Paul Davidson of USA Today that the numbers are indeed good. She points to the S&P/Case-Shiller national home price index that came out last week. S&P/Case-Shiller shows average prices up 5.2% over March of last year.

The housing market is also sending a lot of mixed signals

While there is a strong demand for new housing, low supply has also sent prices rocketing. That, in turn, leads to weaker-than-expected home sales. Because of this, Olefson warns of potential bubbles in some markets. When housing price increases outpace wages, she says it’s time to raise a red flag.

A quick survey of housing across the country reveals why there is a good deal of disagreement about whether the nation is safe from another crash. Housing is strong in the Northwest but cooling significantly in previously vibrant markets like Charlotte.

One of the factors contributing to the volatility of the market is a resurgence of house flipping. Investors are grabbing up properties for cash and that tends to more appealing to sellers. It also leaves mortgage-dependent buyers out in the cold. Great for the seller - bad for the lender.

On the flip side of the housing, coin is four-million potential sellers that are underwater with little hope of breaking the surface. According to the property analytics firm, CoreLogic, about 18% of homeowners with a mortgage have garnered less than 20 percent equity. Low equity translates into few sellers.

According to Penner, this creates a scenario where speculation becomes much more attractive. He also is not worried about that, "Speculative orientations exist in every market all the time."

Olefson counters that the 2008 crash fundamentally changed how Americans think about home ownership. The stigma that most homeowners associated with a foreclosure during the last crisis is all but gone. In 2007, homeowners were unsure of what foreclosure might mean to their credit and home buying future. At that time, said Olefson, "No one knew what a short sale was." But now, the term is familiar vernacular.

"When Americans start looking at housing as something to speculate on," she said, "that's actually the biggest indicator I think in this modern-day housing world of a bubble."

About the author: Jodi Bakst is known for her straight-forward approach to real estate. She has an unparalleled reputation for listening to her clients and delivering results, whether that be in finding the right home for buyers or selling homes.

Image: Author owned and licensed