Okay, so Richard has a mix of skills in small business development, marketing, and home services. While these are valuable, the rates for these skills can vary widely depending on the industry and location. In the US, especially in a smaller city like Peabody, MA, rates for home services tend to be lower than in larger cities or for more specialized skills. Considering his experience in small business development and marketing, I'd estimate his rate to be around $75 per hour, which is on the lower end of the scale for these skills. However, this is a rough estimate and may not reflect his actual market value.