Ngakho-ke, ubani ohlahlela izinhlelo zoHulumeni zabaHulumeni?
Njengakuzo zonke izindleko zikahulumeni, abakhokhi bentela ekugcineni banamathela kulo mthethosivivinywa, kodwa akuzona kuphela "abanesikhumba emdlalweni." Imali engenayo yomhlalaphansi ayinikezwa abasebenzi basebenzi uma beyeka ukubonisa umsebenzi.
Abasebenzi banikela ingxenye yenkokhelo ngayinye ohlelweni lwabo lokuthatha umhlalaphansi , okuyinto kamuva emgwaqweni ebenza bakwazi ukukhokha imali.
Lapho abantu bethatha imisebenzi yomphakathi, ingxenye yesinqumo sokwamukela umsebenzi wokuhlinzeka umsebenzi ukuthi ngabe umuntu angaphila yini kumholo ngaphandle komnikelo wokuthatha umhlalaphansi. I-tradeoff ingumsebenzi akudingeki ukuba asindise okuningi ngokuthatha umhlalaphansi kusukela kumadola amaholo asele. Futhi, ukutshalwa kwezimali kusetshenziswe ngokuphelele noma ngokuyingxenye ngesistimu yomhlalaphansi.
AmaHulumeni kaHulumeni anikezela
Ama-ejensi kaHulumeni nawo anikezela ekuhleleni izinhlelo zempesheni. Ama-ejenti amaningi kudingeka afanane (noma acishe afane) inani lemali abasebenzi abafaka ngayo. Ama-Agencies abona lokhu njengezindleko zabasebenzi ezifana nezinye izinzuzo ezikhokhelwa umqashi njengama-premium yomshuwalense wezempilo kanye nomshuwalense wokuphila. Izindleko ezizimele zomkhakha wangasese zomsebenzi wangasese ungumlingani womqashi kumsebenzi ka 401 (k) wesisebenzi.
Lezi zinikelo zitshala imali yokukhokhela izinkokhelo zonyaka futhi zikhule izimali zemali.
Indlela Ama-Amounts Anqunywe ngayo
Bonke abasebenzi bakahulumeni abatholi inani elifanayo lemali. Ngokuvamile, inani ngalinye lokuthatha umhlalaphansi lixhomeke eminyakeni yokusebenza yalomuntu kanye nemholo ephakeme. Lezo zinceku zomphakathi ezinezinsuku ezinde namaholo aphezulu zifaka okuningi ngokubanzi kunabanye abanezintambo ezimfushane kanye nemiholo ephansi.
Ubudala buqala ukudlala lapho kunqunywa ukufaneleka komhlalaphansi lapho umsebenzi eqala ukuthola izinkokhelo zonyaka. Izinhlelo zokuthatha umhlalaphansi zibala ukufaneleka komhlalaphansi ngokuzimela. Njengoba nje uhlelo olulodwa lunomthetho lapho iminyaka neminyaka yenkonzo kufanele ilingane noma idlulele ku-80, isibonelo, akusho ukuthi abanye basebenzisa indlela efanayo.
Ukufaneleka Kanjani Ukunqunywa
Ngaphambi kokuba abasebenzi baqashe umhlalaphansi, bayazi imithetho yokufaneleka kanye ncamashi imali edingekayo ekukhokhweni kwemali. Kungenxa yokuthi izinhlelo zokuthatha umhlalaphansi azivamile ukushintsha imithetho yabasebenzi abakhona. Uma izinguquko zidingekile, zivame ukusebenzisa kuphela abasebenzi abasha noma abasebenzi abanomsebenzi omncane kakhulu ohlelweni lokuthatha umhlalaphansi.
Kungenxa yokuthi isisebenzi sifinyelela ukufaneleka komhlalaphansi akusho ukuthi isisebenzi sithatha umhlalaphansi ngokuzenzakalelayo. Eqinisweni, izinceku ezimbalwa zomphakathi zihlala umhlalaphansi lapho zifanelekile. Kunalokho, baqhubeka besebenza futhi ngaleyo ndlela banikele ekutheni amasu abo asetshenziselwe umhlalaphansi ngokulindela ukuthi izinkokhelo zabo zonyaka zizobe zikhulu ngoba zilindele ukuqala ukuzithola.
Indlela Abathengi Abafaka Ngayo
Konke kubo bonke, abakhokhi bentela ekugcineni baxhase izimpesheni zomhlalaphansi zikahulumeni, kodwa ngokushintshaniswa, bathola abasebenzi bezinsizakalo zomphakathi abaqhuba ibhizinisi likahulumeni.
Izinsizakalo zomphakathi zithatha umhlalaphansi wazo zombili njengabakhokhi bentela futhi njengezisebenzi eziqine futhi zihlale zikhahlela ingxenye yezinkokhelo zabo. Ama-Agencies nawo anikezela njengenzuzo njengabaqashi bangasese abaqashi ngezinye izikhathi abasebenzela abasebenzi babo. Izinhlelo zokuthatha umhlalaphansi zitshala lezo zinkokhelo zokukhokhela abahlala emakhaya manje futhi zakha izinqolobane zokuhlala isikhathi eside.