Amasu okuqhathanisa izinhlelo zezinzuzo zikaJobe lapho uhlola ukunikezwa kukaJobe
Kodwa kuthiwani uma ucabangela ngaphezulu kokunikezwa komsebenzi owodwa , noma unquma ukuthi uzoshiya umsebenzi wakho wamanje wokunyakaza kwe-lateral? Kulezo zimo, izinzuzo zomqashi zingase zibheke kakhulu kwisinqumo sakho.
Yiziphi izinzuzo zokufaka amaphakheji kufaka phakathi
Izinzuzo zamaphakheji, kufaka phakathi umshuwalense wezempilo, izinhlelo zokuthatha umhlalaphansi, iholide kanye nekhefu lokugula, umshuwalense wokuphila nokukhubazeka ungamisela amaphesenti angu-30 enxephezelo sakho.
Indlela Yokuqhathanisa Amaphakheji Wama-Employer Benefits
Izinzuzo ezinkulu zingasiza ukwandisa ukwaneliseka komsebenzi futhi kungakusiza wenze noma ulondoloze imali eyengeziwe ngokuhamba kwesikhathi. Nakhu okufanele uqaphele uma uqhathanisa izinzuzo zomqashi.
Uhlelo lokuthatha umhlalaphansi. Kunezinhlobo ezahlukene zezinhlelo zomhlalaphansi, futhi izinkampani zinganikeza inhlanganisela ehlanganisa okungaphezu kweyodwa. Ungaqala ukuwahlola ngokuchaza imigomo yakho.
Ezinye izinkampani zinikeza lokho okubizwa ngokuthi izinhlelo ezihlongozwayo zokuhlomula, okuyinto iningi labantu elizobiza izimpesheni zendabuko. Abaqashi abahlinzeka ngezinhlelo ezicacisiwe zokuhlomula benza iminikelo ejwayelekile kuloluhlelo, futhi uhlelo luqinisekisa inani elithile lemali engenayo yenyanga ngenyanga isisebenzi somhlalaphansi.
Okunye okukhethwa kukho okujwayelekile kuyisimo somnikelo esichazwe, esihlanganisa izinhlelo ezifana ne-401 (k). Kulolu hlobo lwepulani, abasebenzi bafaka iminikelo ejwayelekile ku-akhawunti ngokukhokhwa kwabo kwentela. Imali isetshenzisiwe futhi ingakhula ngokuhamba kwesikhathi, kodwa ayikho ukubuyiselwa okuqinisekisiwe futhi isisebenzi sikwazi kokubili ukutshalwa kwezimali nokusabalalisa.
Izinkampani ezincane zingase zinikeze akhawunti yomhlalaphansi ngamunye (IRA), SEP IRA, noma i-SIMPLE IRA. Lezi zisebenza njengo-401 (k), kodwa zingase zibe nemingcele ehlukene yokunikela. I-Roth IRAs ingase inikezwe, lapho ubeka khona ama-dollar emva kwentela kodwa imali ayikhokhiswa intela futhi uma imali ihoxiswa emhlalaphansi.
Umqashi ohlinzeka uhlelo oluhlongozwayo lomnikelo noma i-IRA, umqashi angase afane nokunikela, okuyinto inzuzo eyengeziwe. Abanye abaqashi bazofanisa amaphesenti angu-50 wemali oyifake ku-akhawunti, kuze kufinyelele kumaphesenti ayisithupha eholo. Lolu hlelo lungabuye lunikezwe, okusho ukuthi inani lemali oyitholayo liyakhula ngokuhamba kwesikhathi.
Umshwalanse we mpilo. Uma ucabangela umsebenzi wesikhathi esigcwele phakathi nosayizi obukhulu noma inkampani enkulu, umshuwalense wezempilo cishe uzoba yingxenye yezinzuzo ozinikezwayo. Amaphesenti angu-84 abasebenzi abasebenza isikhathi esigcwele ezinkampanini zase-US nabasebenzi abangaphezu kuka-100 banomshwalense wezempilo ngomsebenzi, ngokusho kwe-Bureau of Labor Statistics.
Umqashi osemali ukhokha cishe u-R6,625 ukuze ahlinzekwe ngabanye, nesisebenzi sinikela ngo-$ 1,081 ngo-2014. Abaqashi bakhokha isilinganiso samaRandi angu-16,834 ukuhlinzekwa komndeni, kanye nabasebenzi abafaka imali engaba ngu-$ 4,823 ngonyaka, ngokusho kweKaiser Family Foundation. Izinombolo ezinjengalezo zichaza ukuthi kungani ukuqashwa kwezempilo kuqakathekile. Uma unenketho, bheka ukuthi yini okudingekayo, hlola ukuthi udokotela wakho useku-inethiwekhi, futhi uqhathanise ukuthi uhlelo oluthile lubiza kanjani ngokukhishwa kwenyanga yokukhokhwa kwezikweletu kanye nokudonswa kwemali, ukukopishwa kwemali, kanye nemigomo.
Ukuhlanganisa amazinyo nokubona. Cishe amaphesenti angama-60 aseMelika asengathola ukutholakala kwamazinyo ngomsebenzi, futhi nxazonke inombolo efanayo unomshuwalense wezempilo wangasese ohlanganisa umbono. Ukutholakala kwamazinyo nombono ngeke kwenzeke ukukhetha umsebenzi, kodwa uma ucabangela ukunikezwa kokubili, hlola ukuze ubone ukuthi abahlinzeki bakho bangaphakathi-inethiwekhi nokuthi uzokhokha malini amaphrimiyamu wonyaka, ama-copays, kanye nama-deductibles.
Umshwalense wokuphila. Cishe ingxenye yesithathu yabasebenzi besikhathi esigcwele inikezwa umshuwalense wokuphila ngomsebenzi, futhi ingenye yezinzuzo ezidumile kakhulu ezungeze. Cishe amaphesenti angu-97 abantu abamba iqhaza ezinkampanini zomshuwalense wokuphila yenkampani. Akubizi, futhi kuvame ukutholakala ngaphandle kokuvivinya umzimba, futhi ngokuvamile ukhokhela okungenani umholo wemali uma kwenzeka okuthile kwenzeka kuwe. Thola ukuthi inkampani ikhokhela yini ukukhokhelwa nokuthi kungakanani, futhi uma ungumthengi ungathenga ukufakwa okungeziwe ngesilinganiso esinqunyiwe.
Ukukhubazeka. Izinkampani ezinabasebenzi abangaphezu kwezingu-100 zizohlinzeka ngenzuzo ethile yomshuwalense wokukhubazeka. Kodwa iningi lalo ukukhubazeka kwesikhashana , elihlanganisa iphesenti lomholo wakho uma ungasebenzi emsebenzini isikhathi esingaphansi kweholidi noma isikhathi sokugula. Inketho engavamile yile ukukhubazeka kwesikhathi eside , okuhlinzekwa ngabangaphansi kwengxenye yabaqashi base-US ngokusho kwe-LIMRA. Njengoba kulinganiselwa ukuthi abasebenzi abayisihlanu abazolahlekelwa umsebenzi ngenxa yokukhubazeka , umshuwalense ohlanganisa izinyanga noma iminyaka yokulahlekelwa umsebenzi uma ugula noma ukalimele ngaphandle komsebenzi kuyisibonelo esibalulekile.
Isikhathi sokuphumula. Ukuphumula akuqinisekisiwe e-US, kodwa sithola izinsuku ezingu-13 zesikhathi sokukhokha esikhokhelwayo ngonyaka. Isiphakamiso esibandakanya okungaphezu kwalokhu kungase kudingeke sicabange uma isikhathi sibalulekile kuwe. Khumbula ukuqinisekisa ukuthi izinsuku ezigulayo namaholidi afakiwe ngesikhathi seholide. Ezinye izinkampani manje zinikeza "izinsuku ezikhokhelwayo" (PTO) izinsuku ezingabonakala zikhululekile phezulu. Khumbula i-PTO ingafaka zonke izinsuku zokuhlala, ezomuntu siqu, ezigulayo kanye neholide.
Ukunakekelwa kwezinsuku. Kungakhathaliseki ukuthi unayo izingane manje noma cha, ukusizwa kwesikhashana noma ukuxhaswa kwenkampani kunomhlomulo oyigugu. Ukutadisha ngemva kokutadisha kubonise ukuthi ukunakekelwa kwesikhashana kwandisa ukugcinwa kwabasebenzi, ukukhiqiza nokudluliselwa kwabasebenzi, futhi ukutholakala kokugcinwa kwesikhashana kwamasayithi kuyithonya elikhulu kulabo abazoba ngabasebenzi. Uma ucabangela umsebenzi enkampanini enikeza ukunakekelwa kwelanga, ungacela ukuthi uvakashele isikhungo sokunakekela izingane.
Ukulinganisela komsebenzi. Ikhwalithi yokuphila kunzima kakhulu ukulinganisa, futhi kungase kube nzima ukuthola isithombe esicacile kusuka kumuntu ozoba ngumqashi. Kanye nezinzuzo ezibalwe ngenhla, ungafunda ngamahora okulindeleke ukuthi uwabeke ngesonto ngalinye. Khumbula, isikhathi sakho sinenani. Uma umsebenzi wakho ungamahora angu-40, wenza okungaphezulu ngehora kunamahora angu-80. Uma inkampani idlulisela izinga lokuhleleka kokusebenza kwabasebenzi abasebenza kanzima, umsebenzi ungase uzuze ngaphezu kokunye ukuhlinzeka ngamadola ayizinkulungwane ezimbalwa ezengeziwe emalini.
Funda kabanzi: Okufanele Ucabangele Ngaphambi Kwamukela Ukunikezwa Kwemisebenzi
Izihloko Ezihlobene: UJobe Ukunikeza Uhlu Lokuhlola | Indlela Yokuhlola Ukunikezwa Kwemisebenzi | Amathiphu okuthola umsebenzi onomsebenzi omuhle wokuthatha umhlalaphansi