Mazano ekufananidza Jobho Anobatsira Zvirongwa Panoongorora Kupa Jobho
Asi zvakadini kana iwe uchitarisa zvinopfuura basa rimwe chete , kana uchisarudza kana iwe uchisiya basa rako razvino rekufambisa mberi? Mune zviitiko izvi, kushandiswa kwebasa kunogona kukanganisa zvakanyanya mukusarudza kwako.
Ndezvipi Zvinobatsira Pakwikwidzana Pamwe
Zvikwereti zvinyorwa, kusanganisira inshuwarano yehutano, kubhadhara mari, zvirongwa zvezororo uye kurwara, uye inshurensi yehupenyu uye yehurema inogona kumira kusvika makumi matatu kubva muzana yemari yako.
Nzira Yokuenzanisa Nayo Employer Benefits Packages
Zvikomborero zvikuru zvinogona kubatsira kuwedzera kugutsikana kwebasa uye kunogona kukubatsira kuita kana kuchengetedza mari yakawanda munguva. Hezvino chaunofanira kutarisa paunenge uchifananidza vashandi.
Retirement plan. Kune marudzi akasiyana ezvirongwa zvekurega basa, uye makambani anogona kupa mutsara unosanganisira zvinopfuura imwe. Iwe unogona kutanga kuenzana navo nekutsanangura mazwi ako.
Mamwe makambani anopa izvo zvinozivikanwa sezvinorondedzerwa zvirongwa zvekubatsira, izvo vanhu vazhinji vanozoti mitambo yemagariro. Vashandi vanopa zvirongwa zvinorondedzerwa zvinobatsira vanopa zvipo nguva dzose kurongwa, uye urongwa hunovimbisa huwandu hwemari yepamwedzi yevashandi pamubhedha.
Imwe nzira inowanzosarudzwa ndeye chirongwa chinorondedzerwa chirongwa, chinosanganisira zvirongwa zvakaita se 401 (k). Mune urongwa hwechirongwa ichi, vashandi vanoita zvipo zvekare kune iyo account kuburikidza nebhadharo risati rapera. Mari yacho inotengeswa uye inogona kukura nekufamba kwenguva, asi hapana kubvumidzwa kudzoka uye mushandi anoita zvose zviri zviviri kudyara uye kuparadzirwa.
Makambani maduku anogona kupa pane nhoroondo yekubvisa mari yega (IRA), SEP IRA, kana SIMPLE IRA. Izvi zvinoshanda sa 401 (k), asi inogona kuva nemiganhu yakasiyana yemipiro. Roth IRAs inogonawo kupiwa, iyo yaunotora mushure me-tafura yemari asi mari haibhadharwi zvakare apo mari yacho inodzingwa pamubhedha.
Anoshandira chirongwa chinorondedzerwa chokubatsira kana IRA, mushandirwi anogonawo kufanana nemipiro, iyo inowedzera kubatsirwa. Vamwe vashandi vanofananidza makumi mashanu kubva muzana yemari yaunowedzera muakaunti yacho, kusvika kusvika pamatanhatu emari yekuwana. Izvo urongwa hunogonawo kupiwa, izvo zvinoreva kuti muwandu wezvipo unogamuchira unowedzera munguva.
Inishuwarenzi yeutano Kana uri kufunga nezvebasa renguva yakazara pakati pekambani-huru kana kambani huru, inshuwarisi yehutano ingangodaro iri chikamu chezvikomborero zvaunopiwa. Vane 84 muzana yevashandi vese venguva yakazara kumakambani eUnited States vane vashandi vanopfuura 100 vane inshuwarhu yehutano kuburikidza nebasa, maererano neBhodhi yeBasa Statistics.
Muvhareji anobhadhara mari inokwana madhora 6,025 pamusana pekugoverana, uye mushandi achipa mari inenge $ 1,081 muna 2014. Vashandi vanobhadhara maserese $ 16,834 pamhuri yekuvhara, uye vashandi vanopa mari inenge madhora 4,823 pagore, maererano neKaiser Family Foundation. Numeri yakafanana naiyo inotsanangura kuti sei kushandiswa kwehutano kugoverwa kunokosha zvikuru. Kana iwe uine sarudzo, tarisa kugoverwa kwaunoda, tarisa kana chiremba wako ari mu-network, uye onanidza kuti yakawanda hurongwa hupi hunodhura maererano nekutora kwekubhadhara kwemwedzi pamwedzi pamwe nekudhura, zvinyorwa, uye zvinyorwa.
Dental uye maonero ekuonekwa. Vanenge makumi matanhatu kubva muzana veAmerica vachiri kuvhara mazino kuburikidza nebasa, uye kumativi akafanana nhamba ine inshuwalhu yehutano yega yega inosanganisira maonero. Utano hwemazino nehuono hahuzogoni kusarudza basa rako, asi kana uchifunga nezvekupa mazano maviri, chengeta kuti uone kana vatengi vako vari mu-network uye kuti muchabhadhara mari yakawanda yepayimari, mapayira, uye kubhadhara.
Inshuwarisi yehupenyu. Inenge zvikamu zviviri kubva muzvitatu zvevashandi venguva yakazara inopiwa inshurensi yehupenyu kuburikidza nebasa, uye ndeimwe yezvinodiwa zvakakosha zvakapoteredza. Vanenge 97 kubva muzana yevanhu vanobatanidzwa mu inshuwalisi yehupenyu hwekambani. Zvinodhura, uye zvinowanzowanika pasina mimwe miedzo yepanyama, uye inowanzobhadhara chikwereti chemari yegore kana chimwe chinhu chikaitika kwauri. Tsvaga kana kambani yacho inobhadhara kugoverwa uye kuti yakawanda sei, uye kana iwe somushandi unogona kutenga kuwedzera kuwedzerwa pamutengo wakaderedzwa.
Kuremara. Makambani ane vashandi vanopfuura 100 vanogona kupa imwe rudzi rwehutano hwehutano hwehutano. Asi vazhinji vavo ndevekuremara kwenguva pfupi , iyo inotora chikamu chemari yako yako kana iwe uri kunze kwebasa kwekanguva chenguva iyo inopfuurira kune yawakapiwa zororo kana nguva yekurwara. Icho chisarudzo chisingawanzozivikanwa ndeyekuremara kwenguva refu , iyo inopiwa nechepasi pehafu yevashandi veUnited States maererano neLIMRA. Sezvo inofungidzirwa mumwe wevashandi vashanu achashayiwa basa nekuda kwekuremara , inshuwarisi inobatanidza mwedzi kana makore ekushaya basa kana iwe uchirwara kana wakakuvara kunze kwebasa ibatsiro rinokosha.
Nguva yezororo. Mazororo haatauri muUnited States, asi tinowana mavhareji gumi nemazuva gumi ekubhadhara nguva yezororo pagore. Chipo chinosanganisira zvinopfuura izvo zvingave zvakakosha kufunga kana nguva yakakosha iwe. Yeuka kuongorora kana mazuva akarwara uye mazororo akabatanidzwa munguva yezororo. Mamwe makambani zvino anopa "kubhadhara nguva" (PTO) mazuva angaita seanove ane rupo pamusoro pepamusoro. Yeuka PTO inogona kusanganisira yose yezororo, munhu oga, anorwara uye nguva yezororo.
Daycare. Pasinei nokuti une vana ikozvino kana kwete, pane-site kana kambani-yakatsigirwa zuvacare ndeyekubatsira kunokosha. Kudzidza mushure mekudzidza kwakaratidza kuti kuchengetwa kwezuva kunowedzera kushanda kwevashandi, kubereka uye kutumira, uye kuwanikwa kwekuchengetwa kwemasikati kunobatsira zvikuru kune vanotarisira vashandi. Paunenge uchitarisa basa kune kambani inopa zuvacare, unogona kukumbira kutora nzvimbo yekuchengetedza zuva.
Basa-hupenyu hutsika. Unhu hwehupenyu hwakanyanya kuoma kuenzana, uye zvingave zvakaoma kuwana mufananidzo wakajeka kubva kune waunoshandisa. Pamwe chete nezvipo zvakataurwa pamusoro apa, unogona kudzidza nezvemaawa aunotarisirwa kuisa muvhiki imwe neimwe. Yeuka, nguva yako ine kukosha. Kana basa rako riri maawa makumi mana, iwe unowedzera zvakawanda paawa kupfuura maawa 80. Kana kambani inowedzera chirongwa chekugadzirisa kushanda kune vashandi vanoshanda zvakaoma, basa racho rinogona kukosha kupfuura rimwe rinopa zvikamu zvishoma zvemamwe madhora muhomwe.
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