Kubvisa Pamberi Pakutanga Icho Chinhu Chekuda Kwevamwe Vashandi

Zvakadini Kana Muridzi Wako Anopa Mazano Okukurumidza Kubhadhara?

Kubvisa pamba kwepamberi kunowanikwa apo mushandi anosarudza kusiya mari (basa rekusiya) asati asvika panguva iyo iye anokodzera kubhadhara mari yekurasikirwa yakadai seSocial Security, penisheni yekambani, kana kugoverwa kubva kune 401 (k) kana imwe hurongwa hwekurega basa.

Zvisarudzo Zvokutanga Kubhadhara

Pane mamiriro ezvinhu mazhinji anokwanisa kubvumira mushandi kuti abve pamba. Izvi ndezvimwe zvezviitiko zvinogona kuitika:

1. Kurasikirwa kwepakutanga ichisarudzo kune vashandi avo vakachengetedza zvikwereti zvakawanda zvemari kunze kwemakoshesi ekurega basa.

1. Kurasikirwa kwepakutanga zvakare kune imwe nzira kune vashandi vakagadzira migove yakawanda yemari. Semuenzaniso, mushandi anoshanda nguva yakazara, asi anotsvaga kukurudzirwa kwewebsite, kubhadhara zvakasununguka, kana kutora mifananidzo semari yechipiri, anogona kuwedzera bhizinesi rekugadzirisa mukana wenguva yakazara basa. Izvi zvinonyanya kushanda apo mushandi akawedzera ruzivo rwemari asati abvisa. Munguva ichangopfuura ndaiverenga nezvevamwe vaviri vakaroorwa, vakatamira kune chimwe chitsuwa, uye vakazarura waini yewaini. Vakanga vapedza makore akawanda vachiva nezivo pamusoro pewaini nekuchengetedza mari vasati vasara.
2. Mushandi anofunga kuti kushanda kwenguva pfupi kunobvira nekuda kwekusanganiswa kwemari yakawanda pamwe chete nekechipiri chekuwana mari.
3. Mune zvimwe zviitiko apo mushandi anosarudza kurega basa rekurega basa, mushandi anoita sarudzo uye anoziva kuti iye anofanira kuramba achishanda. Kazhinji, zvinopiswa mumunda wavo wezvino uye zvigadziriswa zvadzo zvinovabvumira chisarudzo chekushanda chikamu chemazuva kana nehuwandu hunochinja .

Dzimwe nguva vashandi vepakutanga vanoenderera mberi vachishanda kune avo vashandi vemazuva ano asi chikamu-nguva uye chikamu chegore. Zvichienderana nemunda wavo, hukama huno hukama hunogona kuva sarudzo. Vamwe vashandi vekare vakasarudza kutsvaka basa mumunda wakasiyana nedzidzo yavo yenguva yakazara . Semuenzaniso, shamwari yaishanda kwemakore mumakore epamusoro nekusimudzira dzidzo, mukurasira kwekutanga kunoshanda kereke yake seyo mutongi chikamu chenguva.

Mubhizimisi Anobatsira Kubhadharwa Kwepakutanga

Kurasikirwa kwepakutanga kunewo chipo chinopiwa nevashandi vanoedza kuderedza mari uye vanokurudzira vashandi vanobhadhara kuti vasiye basa ravo nokurega kurega. Kazhinji, kusarudzwa kwekusarudzwa kwepakutanga kunofambidzana nemari inokurudzira .

Dzimwe nguva uyo anoshandira anoda kuisa nzvimbo kune vashandi vashoma vane pfungwa itsva. Uyo anoshandira angave achida kukurudzira vashandi kuitira kuti vawane ruzivo muhutungamiri kana mumabasa ekuzotevera . Asi chero zvikonzero zvevashandi, zvisinei nemari, zvinoda mari kana kuti vashandi vatsva, basa rekurega basa rekutanga rinofanira kuvabatsira kuti vawane zvinangwa zvavo.

Mubhadhari anosvika pane zvinotarisirwa nemari, apo nhamba yakakodzera yevashandi inodiwa kugadzirisa sangano nekudhura mari, kubvuma kutanga kwekurega basa. Uye vashandi vanopihwa basa rekurega basa ravanotanga kushanda vanofanira kunyatsoongorora vashandi vekushandisa basa rekuita basa rekushandira pamwe nekuchengetedza kwavo pachavo uye zvinokwanisika zvinowanikwa mune zvemari nemikana.

Kazhinji kuregererwa kwepakutanga kunopa zvachose kubhadhara mari. Zvimwe zvingasarudzwa, zvakadai sokubhadhara chikoro chekudzidzisa , kazhinji chinoperekedza kutanga basa rekurega basa, uye inofanirawo kuongororwa mumutengo wekuenzanisa.

Mune zvimwe zviitiko, kutanga kwekurega basa kunofanira kuongororwa neruzivo kuti kana waanoshandira asingakwanisi kusvika kune zvaanoda kuita kushandiswa kwezvinangwa, kukanganisa kunogona kuguma. Kubvisa pamba kwepamberi kunowanzobva kune vashandirwi vakazara nemasarudzo ayo avo vanogona kubhadhara basa vanofanira kufunga nezvavo kuti vanokwanisa kurasikirwa nevanokurudzira uye nebasa ravo chero zvakadaro kana vakasarudza kusagamuchira chipo chekupa.

Uye mumutambo, mushandi achawanzogadzirisa purogiramu , asi mavambo ekurambidza kubhadhara haazopi kana kuwanikwa.

Vashandi vanopiwa mavambo ekufambisa basa muchikwata chekusiya basa vanofanira kutaurirana nemudzidzisi wezvemari kuti vaone nzira dzavo dzakanakisisa uye dzinonzwisisika uye dzimwe nzira. Vanofanirwawo kuchengetedza nhamba yevashandi vari kusarudza kutora chipo chavanoshandira kuti vanzwisise zvakanyanya zvingaitika zvingava kumirira.

Zvakaoma kuramba zvinokurudzira uye kuzviwana iwe wakarambidzwa zvachose-pasina zvinokurudzira zvakapiwa kare.