Urongwa hweBhizimusi reHubheni reHupatimendi reHupiro
Forecasting mushandi anobatsira mari yegadziriro yegore iripo inokosha kune sangano chero ripi neripi nokuti rinobatsira kuchengetedza mari yeHR. Kunyange zvazvo zvingave zvakaoma zvakaoma, hazvifaniri kunge iri nzira yakaoma yekupedzisa. Inogona kuitwa nenzira isina nyore, asi izvi hazvirevi kuti inofanira kuitwa lackadaisically. Izvo zvakanyanya-zvakadzama zvakatemwa ndezvokuti, iyo yakagadzirirwa iyo kambani ichave, kunyanya kana iyo inosvika pakubata neAne Affordable Care Act mvumo.
Dzidza kuti ungaisa sei nhamba inonzwisisika pane yevashandi vanobhadhara mari yegore rinotevera, neaya mazano enyanzvi.
Verengai Average Cost Yevashandi Vebasa
Muna 2016-2018, zvave zvichifungidzirwa kuti vashandisi vashandi vachabhadhara kubva kune $ 2,000 kusvika ku $ 9,000 kune mumwe mushandi pamubatsiro kana vachiwana mari inenge $ 50,000 pagore. Inishuwarenzi yehupenyu inowanzobhadhara madhora 150 pamushandi apo hutano huripo hunobva pa $ 2,000 kusvika ku $ 3,000 kune mumwe mushumiri uye $ 6,000 kusvika $ 7 200 pamhuri.
Izvo zvakakosha mari yebhajamiro inosanganisira Cadillac Tax, iyo inokanganisa zvirongwa zvepamusoro zvehutano hwehutano uye ichava nemigumisiro yakakura zvikuru muna 2018. Mutero unenge wakaenzana ne40 kubva muzana inotorwa pane zvirongwa zvose zvinodarika mitemo yepamusoro ye $ 10,200 pamunhu oga zvirongwa uye $ 27,000 kuti zvive zvirongwa zvekuzadza mhuri zvizere. Vashandi nevashandi vanogona kugovana mari iyi.
Zvimwe zvinowanzobatsirwa zvinowanikwa nevashandirwi kuvashandi vavo zvinosanganisira zvirongwa zvemazino, inshurenzi yekuremara kwenguva refu, dzidzo yekubhadhara, kuchengetedza rubatsiro rubatsiro uye zvirongwa zvokurega basa.
Saka, paunowedzera izvi, mushandi achashandisa kubva kune $ 60,000 kusvika ku $ 72,000 kune mushandi ane $ 50,000 yemari yegore uye yezvipo.
ACA Kudzora Kuteerera
Forecasting mushandi anobatsira mari inokosha kumakambani nokuti vanofanirwa kusangana neAACA kutevedza kutevedza kana mitemo mitsva nemitemo zvichiitwa.
Kuisa mari parizvino kunokosha kumakambani kuitira kuti vave nemukana wekubhadhara chero zvipi nezvipi kana chirango chinowanikwa kana vakasarudza kupesana nekupa zvipo. Mari yakaiswa parutivi inobatsirawo kubhadharira zvimwe zvipo kune vashandi sezvinodiwa neAACA. Makambani haadi kutarisana nezvinhu zvinoshamisa kana zvinosvika pakushandisa mari pane zvinobatsira, ndicho chikonzero kuronga mberi kwakakosha zvikuru.
Sarudza Chigarire Chekushanda Kwevashandi Nguva Yese
Imwe yenhanho dzokutanga iyo kambani inofanira kutora pakufananidzira kwezvibereko mugore rinotevera ndeyekuti vashandi vapi vakagadzwa sevenguva yakazara. Izvi zvichabatsira kambani kunzwisisa kuti vangani vashandi vanodiwa kuti vabatsirwe sezvinotsanangurwa neAACA. Kana imwe nhamba ichi yakatsunga, kambani inogona kutanga kuongorora mari yayo pazvikwereti.
Sarudza mari yekubhadhara mazviri nezvikwereti zvekutongwa
Iye zvino kambani inogona kusarudza kana ichine mari yakawanda kupa vashandi zvikwereti kana kubhadhara zvikwereti zvinowanikwa nekuputsa zvikamu zveAACA. Kune mamwe makambani, zvingave zvisingakwanisi kubhadhara zvikwereti kupfuura kubhadhara mari yevashandi venguva yakazara.
Ongororo Parizvino Mafambisirwo Ezvakanaka Zvevashandi
Nhanho inotevera mukugadzirisa ndeyekudzokorora zvikomborero izvo kambani ino inopa kuvashandi vayo.
Dhipatimendi rako rehupfumi rinofanira kutarisa kana iyo purogiramu yakakwanira kune vashandi vako kana kana chimwe chinhu chinoda kuwedzerwa. Kana iyo purogiramu isipo chimwe chinhu kana zvinhu zviviri zvaunoda kuti vashandi vave nazvo, iva nechokwadi chokuti iwe unowedzera chinhu (s) sezvaunoronga gore rinouya kuitira kuti uzive iwe une mari yakakwana mubhangi.
Zvimwe zvikamu zvebatsiro zvinowanzobatanidza kubhadhara nguva- kubva kubasa, 401 (k) zvirongwa zvekuchengetedza mari, kushandiswa kwemari kushandisa mari, zvirongwa zvekuzvidira, mabhonasi nemakomisheni, hutano hwakanaka, nezvimwe zvakawanda. Zvose izvi hazvifaniri kugoverwa nekambani, asi inofanira kufungidzirwa kana kuisa pamwe bhajeti yevashandi vemakore ekuuya.
Tsvaga neMudzidzisi
Pose apo kambani inopinda mune zvimwe zvinetso nemabasa anobatsira, zvakadai sekugadzirira kwemakore anotevera, inofanira kubvunzana nemudzidzisi.
Mumwe mupi wezano achakwanisa kupindura chero ipi neipi mibvunzo iyo kambani inogona kuva nayo kana iri kuuya kuvashandi kubatsirwa. Mupi wezano anogona kuva mumwe munhu anoshanda nekambani yako semakontrakta, izvo zvinoreva kuti iye achange achinyanya kuwanikwa. Kushanda nemudzidzisi kunogona kubatsira kuita kuti bhajeti irambe iri nyore kune makambani.
Ipa Bhijititi kune Vatongi
Kana imwe nguva mushandi achibhadharwa bhajeti yakasikwa, inofanira kuendeswa kuvatongi vekambani. Vachadzokorora bhajeti, vanoita chero kuwedzerwa kana kubvisa, uye vobva vopa kugamuchirwa kuitira kuti inogona kuiswa mukuita mugore rinouya.
Chikwereti Chikwereti: © jedi-master - Fotolia.com