Ukuthatha Umhlalaphansi Ngaphambi Kokuqala Kuyinto Ekhethwa Abanye Abasebenzi

Kuthiwani Uma Umqashi Wakho Enikeza Izinzuzo Zokuqala Zomhlalaphansi?

Ukuthatha umhlalaphansi kusenesikhathi kwenzeka lapho isisebenzi sithatha isinqumo sokuthatha umhlalaphansi (ushiye umsebenzi) ngaphambi kweminyaka lapho efaneleka khona ukuqoqa izinsiza zokuthatha umhlalaphansi njenge-Social Security, impesheni yenkampani, noma ukusakaza kusuka ku-401 (k) noma elinye uhlelo lomhlalaphansi.

Izinketho zokuthatha umhlalaphansi ngaphambi kwesikhathi

Kunezimo eziningi ezingavumela isisebenzi ukuba sithathe umhlalaphansi ekuqaleni. Lezi ezinye zezimo ezinokwenzeka:

1. Ukuthatha umhlalaphansi ngaphambi kokuthatha umhlalaphansi kuyinketho yabasebenzi abaye basindisa imali eningi ngaphandle kwe-akhawunti yomhlalaphansi.

1. Ukuthatha umhlalaphansi ngaphambi kwesikhathi kuyindlela yokukhethwa kwabasebenzi abaye bahlakulela imifula eminingi engenayo. Isibonelo, isisebenzi esisebenza isikhathi esigcwele, kodwa siqhuba ukuthuthukiswa kwewebhusayithi, ukubhala ngokuzimela, noma ukuthwebula izithombe njengengeniso yesibili, kungase kuthuthukiswe ibhizinisi lesikhathi esithile libe ngumsebenzi wesikhathi esigcwele. Lokhu kusebenza kahle uma isisebenzi sithuthukise ukusakaza ngaphambi kokuthatha umhlalaphansi. Ngisanda kufunda mayelana nombhangqwana owayeka umhlalaphansi, wathuthela esiqhingini, futhi wavula ibha yewayini. Babesebeneminyaka eminingana bekwazi ulwazi ngewayini futhi basindisa imali ngaphambi kokuthatha umhlalaphansi.
2. Isisebenzi sithatha isinqumo sokuthi umhlalaphansi ngaphambi kwesikhathi kungenzeka ngenxa yokuhlanganiswa kokulondolozwa okukhulu kanye nokwehliswa kwemali yesibili.
3. Ezimweni ezengeziwe uma isisebenzi sikhetha umhlalaphansi ngaphambi kwesikhathi, isisebenzi senza okukhethwayo futhi siyazi ukuthi kufanele siqhubeke sisebenza. Ngokuvamile, bashiswa ensimini yabo yamanje futhi izinsizakalo zabo ezilondoloziwe zibavumela ithuba lokusebenza isikhathi esithile noma ngesimiso esivumelana nezimo .

Ngezinye izikhathi abahlala emakhaya baqala ukusebenzela umqashi wabo wamanje kodwa isikhathi esithile kanye nengxenye yonyaka. Kuncike ensimini yabo, lobu buhlobo obuguqukayo bungaba inketho. Abanye abaqashile ukuqala emsebenzini banquma ukuphishekela umsebenzi ensimini ehlukile emsebenzini wabo wesikhathi esigcwele . Isibonelo, umngane osebenze iminyaka emfundweni ephakeme kanye nokukhuthazwa kwezemfundo, ekuthatha umhlalaphansi ngaphambi kwesikhathi usebenza esontweni lakhe njengengxenye yesikhathi somlawuli.

Umqashi Uvuselelwe Umhlalaphansi Oqalayo

Ukuthatha umhlalaphansi ngaphambi kwesikhathi kuyisipho esenziwe ngabaqashi abafuna ukunciphisa izindleko futhi bakhuthaze abasebenzi abakhokhelwayo ukuba bashiye umsebenzi wabo ngokuthatha umhlalaphansi ngokushesha. Ngokuvamile, ukhetho lokuqala lokuthatha umhlalaphansi luhambisana nokukhuthaza imali.

Ngezinye izikhathi umqashi ufuna ukwenza indawo yabasebenzi abasha ngemibono emisha. Umqashi angase afune ukugqugquzela abasebenzi ukuze bathole isipiliyoni ekuphathweni noma emisebenzini yokuthutha yangasese . Kodwa kungakhathaliseki ukuthi izizathu zomqashi, kungakhathaliseki ukuthi iziphi izimali zezimali, izidingo zomsebenzi noma abasebenzi abasha, ukunikezwa kokuthatha umhlalaphansi ngaphambi kwesikhathi kufanele kubasize bahlangabezane nezinhloso ababekayo.

Umqashi ufinyelela ekuhlosweni kwezimali, lapho inani elifanele labasebenzi elidingekayo ekuhlehliseni inhlangano nokunciphisa izindleko, zamukele isipho sokuthatha umhlalaphansi ngaphambi kwesikhathi. Futhi abasebenzi abanikezwa umhlalaphansi ngaphambi kokuthatha umhlalaphansi kudingeka bahlole ngokucophelela ukugqugquzelwa komhlalaphansi komqashi ngokuhambisana nokulondoloza kwabo kanye nokulindela okulindelekile okungenayo imali kanye namathuba.

Ngokuvamile umhlalaphansi wokuqala uzosondeza ngokuphelele umhlalaphansi. Izinketho ezingeziwe, ezifana nokufundela esikoleni esikhokhelwayo , ngokuvamile zihambisana nezinhlinzeko zokuthatha umhlalaphansi ngaphambi kokuthatha umhlalaphansi, futhi kufanele zihlolwe ngokulingana okuphelele.

Kunoma yikuphi, ukunikezwa kokuthatha umhlalaphansi ngaphambi kokuthatha umhlalaphansi kumele kuhlolwe ngolwazi lokuthi uma umqashi ehluleka ukufinyeleleka ekuhlosweni kokuncishiswa kokusebenza komsebenzi, ukuhoxiswa kungase kubangele. Ukuqashwa komhlalaphansi kokuqala komhlalaphansi kubaqashi kunamathuba okukhetha ukuthi abahlala emakhaya bangabhekana nokuqonda ukuthi bangase balahlekelwe izikhuthazo kanye nomsebenzi wabo noma kunjalo uma bekhetha ukungamukeli umnikelo ophanayo womqashi.

Futhi ekuqedeni, isisebenzi ngokuvamile sizothola iphakheji yokuhlukanisa , kodwa izisusa zokuthatha umhlalaphansi ngaphambi kokuthatha umhlalaphansi ngeke zinikezwe noma zitholakale.

Abasebenzi abanikezwa amaphakheji okukhuthaza umhlalaphansi ngaphambi kokuthatha umhlalaphansi kufanele bakhulume nomxhumanisi wezezimali ukuze banqume izinketho zabo ezingcono kakhulu futhi ezinengqondo nezinye izindlela. Kufanele futhi balandele inani labasebenzi abakhetha ukuthatha isipho somqashi ukuze baqonde kangcono izimo ezingase zibalindele.

Kunzima ukulahla isikhuthazo futhi uzithole uhlelwe noma kunjalo-ngaphandle kokugqugquzela okunikeziwe ekuqaleni.