For hire more. How to open your own business if you no longer have the strength to work for hire? Positive and negative aspects of the employment contract for the employer

Surely, many have thought more than once what to choose: work for hire for someone else's uncle or organize your own business? In this article, I will try to compare these options and show why it is not profitable to work for hire in our country.

To begin with, let's define: for what purpose does a person actually work? No matter what anyone says, there are usually only two reasons that motivate us to go to work:

Earn required amount money to live here and now.
Secure your future, in fact, earn a pension and a comfortable old age.

We are used to the fact that in order to achieve these goals, you must first get a decent education, and then find a good (preferably well-paid) job. However, with the collapse of the USSR, in the conditions market economy an alternative option became available to us - to open our own business and go into business.

To evaluate possible prospects You need to consider the pros and cons of both options. In this case, both psychological and economic aspects should be taken into account.

Psychological aspects

" Employment

Many people think that working in big company, they are part of something big and benefit society. This is not entirely true. Undoubtedly, bring benefits to society, but do not forget that you work for someone else's uncle and benefit (profit) only to him. By taking a job in a company, you initially put yourself in a dependent position and, in fact, no longer belong to yourself.

At any moment, the bosses can begin to dictate their conditions, load them with additional duties and demand their fulfillment. And if your work does not suit him, you can easily be shown the door. After all, there are more than enough people who want to take a warm place in the office.

Another motive that encourages a person to go to wage-earners, is the desire to gain some experience and climb career ladder. But even here it is not so simple. No matter how wonderful and successful your career is, there are a number of limitations.

Firstly, you will never rise above your boss, since it is not profitable for him, that is, you will remain a dependent employee who follows someone's instructions.
Secondly, your ambitions in terms of high earnings also cannot always be satisfied, since wages cannot grow indefinitely: at a certain point, when it reaches the set limit, there will be nowhere to grow further.

» Work for yourself

Your own business is an opportunity to work as long as you want, and receive income in direct proportion to the efforts expended.

In this case, the amount of income depends only on you, on your capabilities and desires.

Here you will not have bosses who would indicate what, when and how to do it. However, this is where the biggest difficulty of independent business lies - to organize yourself. Without self-discipline and self-organization, it will not be possible to build your business. No one but yourself can make you work and you have to rely only on yourself. Otherwise, the business is doomed to failure.

However, this option removes restrictions - there is no pressure from above, there is no limit to self-improvement and career growth, and your potential earnings are also inorganic.

Financial aspects

" Employment

When we get a job, we get a guaranteed salary. And this is perhaps the only plus. The employee knows in advance his salary and the minimum amount that he will receive no matter what.

However, the salary in this case is only a part of the money that the employer could pay you.

How much, you ask? It's very simple - taxes. Have you ever wondered how much taxes you pay, working at the enterprise or in the company? But it has long been known that the income of employees is the most taxable payments of all existing. Don't believe? Let's count.

Suppose an employer is willing to pay you 50,000 rubles for your work. Of this amount, in any case, the state will withhold 13% of income tax from you (6,500 rubles). Those. you will be left with 43,500 rubles. Everything would be fine, if not for one more but!

In addition to personal income tax, your wages are subject to another 30% additional fees (according to the latest changes in the Tax Code of the Russian Federation).

22% must be given to the Pension Fund, and this is as much as 11,000 rubles.
2.9% - to the Fund Social Security(1450 rubles).
5.1% - to the Mandatory Medical Insurance(2550 rubles).

Those. in fact, it turns out that in addition to the wages accrued to employees, the employer must give another third of it to the state. In our example, the employer for one employee will have to pay not 50,000, but all 65,000 rubles.

Due to the huge tax burden, the employee will never receive the amount that the employer is willing to pay him. Since if he can allocate to wages only 50,000, then the employee will receive only 35,000 rubles directly (50 thousand - 30% of contributions). At the same time, the employee will receive even less in his hands, since 13% of income tax will be deducted from him, i.e. the real salary will be 30,450 rubles.

As you can see, working for hire, a person actually loses almost half of the money earned, since we are deducted monthly at 43%.

Retirement savings is, of course, good, but there are plenty of alternative options. But we will talk about them a little later.

» Work for yourself

When you work for yourself, you are dependent on a confluence of a variety of circumstances. You do not have a fixed salary, and the amount of earnings depends only on you: on the number of clients, your professional qualities and the ability to sell yourself, your services or goods. At the same time, as mentioned above, income is practically unlimited, and there is an incentive to develop and increase your income.

In addition, the tax burden on private entrepreneurs is significantly lower than on an employee. Each individual entrepreneur working on the simplified tax system (simplified taxation system) pays 6% from the income received (or 15% of the amount of income minus expenses). At the same time, in 2012, social contributions, according to the latest changes in the Tax Code, were reduced to 20% of the income received (last year, contributions accounted for 26%).

That is, if an entrepreneur has earned 50,000 rubles, he is obliged to pay the state 3,000 rubles of the Single Tax ( 6% ) and about 10,000 rubles of contributions to the Pension Fund (20%).

And even then, this amount will be less. Since ~ 10,000 rubles is an annual amount. If you break it down into 12 months, you get a monthly deduction in favor of the pension fund of about 830 rubles.

Thus, he will have about 46,000 rubles left. And this is noticeably more than 30,000 for an employee.

But individual entrepreneur There is one more thing in this regard. beneficial advantage. The Tax Code allows you to reduce the amount of tax by the amount of contributions paid to the Pension Fund.

For example, you, as an entrepreneur, earned a million rubles in a year. In this case, the tax that you have to pay will be 60,000 rubles. Imagine that the amount of contributions to the pension fund for the year amounted to 10,000 rubles (I don’t write the exact amount, since it changes every year), then you can deduct these 10,000 rubles from the accrued tax amount, i.e. out of 60,000 rubles and thus, the total tax amount will be only 50,000 rubles.

As for the pension, while working for yourself, you also make payments to the Pension Fund and are entitled to receive from the state in the manner established for all citizens. In addition, by working for oneself and receiving a large salary, a person has the opportunity to independently save up for old age.

You can even set aside 10%-30% of your income every month and, having accumulated a certain amount, invest in some financial instruments, a person can earn a certain amount of capital by retirement. Even the simplest way - in 20-30 or more years, with regular replenishment, will allow you to make very impressive savings.

For more risky investors, there are many other options: , non-state pension funds etc. There are actually a lot of options, and everyone can choose the most suitable for themselves.

By the way, if the words listed above seem difficult for you, then I recommend studying the course ““, which will explain the essence of these financial instruments in a simple and accessible form, help you make your own and get a much more tangible income than investing in bank deposits.

Summing up

For supporters of employment, main argument in favor of this option is a guaranteed salary and confidence in the future. However, no one guarantees you a lifetime job, the situations are different: you can be fired, laid off, reduced wages, etc. So on closer examination, it turns out that guarantees and stability are illusory, since a person does not belong to himself.

At the same time, your business, with the right approach to development, after a certain time, brings a good return. Yes, your business requires constant attention, control and action. It's like the birth of a small child. If you do not work, no one will pay you, but you get self-satisfaction from the fact that your work is appreciated, and this is a good incentive for further development.

Key benefits of working for yourself:

1) Freedom and flexible working hours. You can choose when to work. There is no boss behind your back who demands the impossible from you. You yourself choose with whom to work, what kind of work to take on, and who not to work with. However, if you are serious about business and want to earn a good income, then you will have to work hard. The fact that you can play the fool and do nothing, and they will pay money for it - these are fairy tales.

2) Income growth. If a person is employed, then the increase in salary depends solely on the decision of the boss (in the best case, it will be indexed 1-2 times a year). When a person works for himself, the level of income depends only on him. That is, he worked a lot - got a lot, worked a little - got a little. But you don't have to blame anyone but yourself for this. You can decide how much you want to work and earn. Based on this, you set specific goals for yourself and move towards them.

3) Professional growth. When you work for yourself, you are responsible for the result of your work. This is an incentive for development, increase in productivity and quality of their work. And as the quality goes up, so does the income.

Of course, your business has some disadvantages. The main one is that all responsibility lies with you. And at first, you will have to perform a lot of responsibilities. Often, a business will take much more time and effort from you than a job.

The choice is yours! However, the advantages of private enterprise are obvious, and they significantly outweigh the disadvantages. You are the masters of your own life. If you are ready to take on such responsibility and start your own business, go for it.

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Employment

"... Employment is work in which a person enters into an explicit (written or oral) or implied contract that guarantees him a basic remuneration (in cash or in kind) that does not directly depend on the income of the unit where the person works. , some or all tools that a person uses in the process of work may belong to other persons. The worker's activities may be carried out under the direct control of the owner or persons designated by the owner and employed by him ... "

A source:

Rosstat Order No. 452 dated December 21, 2010 "On the Approval of the Methodological Provisions for Conducting Sample Surveys of the Population on Employment Problems (Surveys work force)"

Official terminology. Akademik.ru. 2012 .

See what "Employment" is in other dictionaries:

JAZZ: Employment- JAZZ: Employment Developer Game Factory Interactive Publisher Russsobit M Release date November 2 ... Wikipedia

JAZZ: Work for hire- Developer Game Factory Interactive Publisher Russobit M Release date November 2007 Platform ... Wikipedia

Jazz: Employment- JAZZ: Employment Developer Game Factory Interactive Publisher Russobit M Release date November 2007 Platform ... Wikipedia

hired work- work created for hire A legal principle that determines the legal ownership of works created by employees or contract service providers. [Department of Language Services… … Technical Translator's Handbook

Work from home (fraud)- Ad promises $2000 for part time and $6000 for full time Not to be confused with Working from home is a legitimate way to earn money. Work at home scheme (English work at home scheme) cx ... Wikipedia

JOB- Herculean work (labour). Book. A job that requires incredible effort. /i> Goes back to ancient Greek mythology. BMS 1998, 454. Egyptian work (labor). Book. Very hard, exhausting work. BMS 1998, 485; DP, 513; SHZF 2001, 72; BTS, 294 … Big Dictionary Russian sayings

Alpha: anti-terror. Men's work- Developer MiST land SOUTH Publisher GFI / Russobit M Release date December 7, 2005 Genre Strategy Platform ... Wikipedia

Shift work- (work in shifts) one of the types of schedule labor activity, in which the operating time during the day on different working days may vary. Applies to continuous production or to ensure a more complete load of equipment, ... ... Wikipedia

Telework- in the park This term has other meanings, see Work from home (meanings). Telework or work from home (also remote work, telecommuting; ... Wikipedia

Overtime work- in labor law work in excess of the established (normal) working hours, performed at the initiative of the employer (as opposed to part-time work, when work is performed at the initiative of the employee). Contents ... Wikipedia

Books

Bohemian business. How to make money doing what you love, Hodgkinson Vol. Tom Hodgkinson, bestselling author of "How to be Idle" and founder of the Idler Academ, has this book… Buy for 958 RUB
How to start a business without investors. Creation of start-up capital on the job. Pocket guide, Suprun Vladimir Petrovich. How to open your own business and quit your job? Where to start and where to get money? If you have an idea and are looking for...

work for yourself, you can't plow on uncle

Can't work for yourself, plow on uncle

Surprisingly, one twist in the right place - and the meaning of the whole sentence changes dramatically. So, one subtlety in understanding the essence can radically change both your life and your path to.

In this article, I will share the evidence from personal experience, pros and cons - work for yourself or work for hire.

In general, I often come across categorical statements: if you want to succeed, work only for yourself, or stability is reliability... and many, many other statements in favor of one or another way of earning and financial well-being.

It is curious that those people who can earn money themselves, make good money, do not want to leave their jobs for hire. And those who never practiced entrepreneurial activity, we are sure that this is the path to a personal El Dorado (mostly young people think so, the older generation often “idolizes” traditional employment in production).

Employment

Pluses

Stable and predictable income. Perhaps this is the most compelling argument. The employer legally undertakes to pay and pay on time.

There is always a lot of work. Even if there is no work in the specialty, modern business it is so arranged that there will always be more work in general than unique ideas for your business.

Capital is always with me. Your hands, abilities - this is the necessary working capital, so that after a month of its use - to receive an appropriate monetary reward. In your business, you may not see income for several years.

Low responsibility. As a plus - because another person will think about your discipline, and increase the level and efficiency of labor, for you, and not you personally. You only need to match the employee template set by the boss. The templates are generally simple (work, don't be clever, agree).

Psychological factors.(Fuzzy factor - for each person it can be different).

Well, you do not like to command and that's it. You like it when another person solves all your problems for you.

Own business is associated with movement in defiance of others and one’s weaknesses, often a very strong will is needed, a passive person will simply never be able to succeed in his business, but as an employee for his uncle, he can be excellent.

Work for others if you don't want to stand out and be a black sheep.

Work for hire - coincides with your personal desires. For example - a scientific podium. (All my life I dreamed of working at the Hadron Collider, you are unlikely to build one for yourself like a businessman).

minus

Fixed salary. There is a ceiling that, with all desires, cannot be jumped over.

Do what you need to do, not what you want.

Need to adjust under someone else's rules, schedules, to be a faceless gear in a gigantic structure.

Work only for yourself

Pluses

Self-realization. This is a very significant factor for success in general. Working and creating your own business is a huge field for applying your talents, a great opportunity for self-realization, ambitions (if they exist, of course).

There is no money ceiling. It is worth clarifying - business is different business. But if you have taken the path of entrepreneurship, what prevents you from directing your business in the direction that is either closer to you in spirit or more profitable?

psychological factors. As in the case of employment, individual factors of a person must be taken into account. I will single out those key factors in personality properties that are necessary and essential in choosing a job. This is a strong will, great self-discipline, a free-thinking and impatient personality, an inborn leader (with such personal "parameters" - you will be out of place in any other person's work, and you only need your own business).

minus

Freedom? In fact, on a whim - you will adapt to the authorities, and for yourself - you will adapt to the tax, customers, suppliers, laws. Yes, there are more choices in business - but also more rules which to play.

I do what I want? Oh, is it? Unlike an employee who spent his 40 hours at work, you will watch your business twice as much time without sleep and rest, without days off.

I'm the boss. Subordinates are such creatures that they like to relieve themselves of responsibility and, in addition, create additional problems on your head. Will your ambitions withstand all those problems that will appear in a flurry from everywhere? (especially when you least expect it)

Self-realization. Okay, just fine, you have the opportunity to fulfill yourself in accounting, technological process from A to Z, in the psychology of a just tyrant, in bowing to the local boyars…. (very long list....)

Verdict: work for yourself or still work for hire?

In general, this topic is very complex. My experience (I was both an employee and an employer, and on my own, now I combine) says that a comprehensive analysis is needed in making a decision.

Simple practical advice: surely you have acquaintances, in this or that activity - see how they are. I know successful satisfied employees and eternal losers, unfortunate businessmen. I would by no means be categorical in offering you one specific path - without knowing your identity ...

In general, only you can give the most correct answer to this question. In difficult questions, I do this: I take a sheet of clean paper, write down the question correctly and, depending on the question itself, I attach the appropriate markup (pluses, minuses, heaviness, like or dislike ...). (You need to write only by hand and so that it is easy for you to understand what you mean - about the "magic" properties of this approach.)

Do not believe if someone convinced you for a couple of offers (all the various scammers, marketers, forex, pyramids) - that it’s cool to work for yourself ... You will be left without your last shirt.

The answer should be well thought out - your whole future life depends on it ... and not only yours (think about others too, about those that depend on you).

: work for yourself or be an employee.

Most of the articles on my blog promote self-employment. In this regard, many readers may have the opinion that I do not like hired employees and in every possible way discourage people from making money in the traditional way. Actually this is not true.

In one of my posts, I gave a list of reasons why . Now I will correct myself and give a similar list of pluses for employment. There are many positive moments in working for an employer, and a person who has not passed such a stage in his life will not be able to appreciate the advantages of his business.

1. Labor law

Like it or not, a person working for hire is protected by law and the state by an order of magnitude better than any entrepreneur. He accumulates a pension, paid sick leave and holidays, he cannot be fired without a reason, and even if the enterprise goes bankrupt, he will receive compensation.

2. Guaranteed salary

The salary of an employee is accrued regardless of whether the company receives a profit in this moment time or suffer losses. They can cut bonuses, but what is stipulated labor contract will be paid.

3. Opportunity for change

Quitting your own business and switching to something new is not an easy task. But changing jobs and even professions is easy. All that keeps you is the 14 days of work stipulated by law. You found the right vacancy, for example, in http://imperia.ru, wrote 2 applications (for dismissal and admission) and enjoy your new job.

4. Professional experience

Received in educational institution a profession rarely meets the real requirements for a specialty in the labor market. And employment allows you to fill the gap between academic education and the real qualifications of a specialist.

5. Teamwork experience

Real work differs from ideal work in that it is influenced by the human factor. The experience of working in a team allows you to master the skills of interacting with other people and learn how to look for approaches to different types personalities.

6. Leadership experience

If you plan to start your own business in the future, then the ability to organize work and manage a team will be your most valuable skill. It is possible to get such experience in your business, but it can cost a lot of money. As an employee, you can learn anything at the expense of your employer.

7. Useful links

Much in our life is decided by acquaintances and connections. A large list of useful contacts will allow you to easily and quickly resolve many issues in the future. Enough to call the right person. This element will be especially useful when you plan to open your own business in the same area in which you are employed.

8. Authority

When you have your own employees, it will be much easier for you to find a common language with them if they see you as their person. Let now you are the owner, but you started the same way as they did, did the same as they did, and, therefore, you understand their problems and correctly assess the possibilities.

Before becoming an entrepreneur, I myself went through the path of a hired employee. I had a chance to twist the nuts and work with papers and lead people. The experience gained helps me so far, if it weren't there, who knows how my business would have developed.

What is a job for hire?

Everyone knows the phrases "Employment" and "Wage worker".

And most of us know them, if I may say so from the inside.

Most of the population earns their bread in this way!

This is the most common, most accessible and, to be honest, the most difficult and unpromising method to arrange your financial affairs.

Why?

In order to answer this question, I will give you all the pros and cons of this type of making money, and you yourself will compare and draw conclusions.

In passing, I already touched on this topic in the article, but here we will consider all the pros and cons more thoroughly!

Positive aspects, "pros" of employment.

A huge number of options for work in various fields of human activity;

More or less guaranteed employment and salary;

- "social package." (paid sick leave, accident insurance, sometimes life insurance, pension);

Paid vacation (the most pleasant plus);

- "the prospect of career growth";

In addition to fulfilling their official duties, you don't have to stress about anything.

I could not find any other positive thing about being hired, although I have worked in this sector for more than eight years!

If anyone knows more, please share them in the comments!

Negative sides, "cons" of employment.

In most cases, the level of salary depends little on whether you have worked this month 3 times better than in the past, or whether your performance has remained at the same level. Even if they raise your salary or give you an additional bonus, it is unlikely that you will receive so many times more money how many times more they did;

It turns out that they can very easily withdraw the bonus from you and you will receive salaries for this month much less than planned and expected! Besides, it is as easy to fire you as it is to withdraw your bonus;

When changing jobs, there is a high probability that you will lose your "social package.", because the fact is that all these social programs are corporate, in other words, they only apply to employees of a single organization. If you ceased to be its employee, then your social protection from this company ceases;

You can be called back from vacation at any time;

In any company, there is competition between employees. The larger the company and the more significant the position, the sharper and tougher the competition around this job. Moreover, having received the desired promotion, in addition to a slight increase in salary and status, you receive so many additional duties, troubles, headaches and own business You would become a millionaire in a few years;

You cannot and do not have the right to interfere in the management of the company, determine the direction of movement, development, etc. You are fulfilling someone else's will, someone else's orders, "pulling hot chestnuts out of the fire for someone else's uncle", you are not a free person, you work for someone, share your achievements, victories and successes with him, and he receives most of them, and not You!

As you can see, there are many cons. I specifically printed only those that are, as it were, direct opposites of the pluses, although there are much more negative sides! If you want to add your "minuses" - you are welcome to leave them and discuss on the page for comments.

I hope now you have a general idea of what a job is for hire.

To choose it or to refuse the fate of an employee is a personal matter for everyone.

And there is no obviously right choice for everyone.

To each his own!

The main thing is that what you do, in addition to material satisfaction, also brings spiritual satisfaction!

There is a wonderful and very simple way to check if you are doing your job.

To do this, it is enough to answer two questions:

1. Do you enjoy going to work on Monday and, if possible, do you enjoy working on weekends as well?

2. Friday (the last working day of the week) is a holiday for you and you are looking forward to the weekend to drop everything until Monday with relief?

If you answered:

1. Yes!

2. No!

I am sincerely happy for you and congratulate you, you have found YOUR BUSINESS!

I wish you successful career growth!

Tell your friends and acquaintances about the article, let them express their opinion about what was written.

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