Awufuni Ukuthatha Umhlala-phantsi? Ukuthatha umhlala-phantsi onokuthi ube ngumhlala-mvuzo unokuba yiyona nto elandelayo.
Ngelinye ilanga ungumqeshwa opheleleyo kunye nosuku olulandelayo awukho. Yiloo nto umhlalaphantsi onokuvakalelwa ngayo kodwa ukuba ufuna ezinye iinkqubo zokuhamba ngokuthe ngcembe okanye ungaphumeleli nonke, unokucinga ngomhlalaphantsi ophantsi.
Umerika Unenkinga
I-America inenkathazo enkulu yomsebenzi-inani elikhulu labasebenzi abanezakhono abahlala phantsi okanye baye bafikelela kwiminyaka yokuthatha umhlalaphantsi kunye neenkampani ezichaphazelekayo. Akunabo kuphela abantu abahlala kuminyaka yokuthatha umhlalaphantsi, banamalungelo onke olwazi oluphezulu.
Okubi nakakhulu, amashishini amaninzi afumana ukusweleka kwabasebenzi abaselula ukuba bazalise izikhalazo.
Ngakolunye uhlangothi, amaninzi kulawo ma-50 kunye nabangama-60 abasebenzi abafuni ukuhlala phantsi. Ucwaningo lwe-Merrill Lynch-Age Age lwaluveze ukuba ama-72 ekhulwini abahlala ngaphambi kweminyaka yabo-50 ubudala bafuna ukuqhubeka besebenza kwezinye izinto. Phantse i-quarters ezintathu zamaMerika aziboni ukuhamba kwihlabathi okanye ukusebenza kwididi yonke imini.
Win Win
Ngokuqhelekileyo kwenzekile kodwa kule meko, macala amabini ayancoma omnye nomnye. Abaqeshi banethuba lokugcina abasebenzi beminyaka yobudala ngenxa yokuba bafuna ukusebenza. Kuloo ndawo apho umhlalaphantsi ophantsi khona. Esikhundleni sokuthatha umhlalaphantsi ngokupheleleyo, abo basebenzi banokunciphisa iiyure zabo, basebenze kuphela iintsuku ezithile, baye kwiSebe elincinci, okanye basekhaya.
Ngokombiko we-GAO, iinkampani zibika iingeniso ezine eziphambili zomhlala-phantsi:
- Ukugcina abasebenzi abanezakhono, abanolwazi
- Ukuqeqeshwa nokuqeqeshwa kwabasebenzi abancinci, abatsha
- Ikhono labasebenzi bokutshintshwa kwi-retrait
- Ukubikezela ngokukhawuleza kweemfuno zabasebenzi kwixesha elizayo
Kuba ngumqeshwa, bafumana izibonelelo ngokunjalo:
- Ikhono lokufumana ingeniso ngokukodwa ukuba ukugcina umhlala-phantsi kunele
- Ukuhlala engqondweni nasemzimbeni
- Unako ukuyeka ukuqokelela uLondolozo lweNtlalo ngokukhawuleza ukwenza iindleko ezizayo zihlolisise
Ngaba iinkampani kwiBhodi?
Nangona abaqeshi beva ukuba abasebenzi abangaphambi kokuthatha umhlalaphantsi bengakulungele ukuhamba, kunye nenkxaso ecacileyo kwenkampani, iinkampani ezimbalwa ezimangalisayo ziyamkela umhlalaphantsi ophantsi. Uphando olusuka kwi- Transamerica Centre for Retirement Studies (TCRS) lubone ukuba i-77 ekhulwini yabaqeshi bakholelwa ukuba abasebenzi babo baceba ukuqhubeka besebenza emva kokuthatha umhlalaphantsi kodwa kuphela iipesenti ezingama-31 zezo nkampani ziyamkela umhlalaphantsi. Ngendlela, ingxelo ye-GAO ngasentla ibizwa ngokuba yi- Phased Retirement Programs, Nangona ingaqhelekanga, inikezela ukuXhobisa kwabasebenzi kunye nabaqeshi. Zombili zifundo ziyavuma ukuba umhlalaphantsi ophantsi awuqhelekanga njengokuba kufanelekile.
Kutheni Kungabi Njalo?
Isizathu esikhulu kunazo zonke sibonakala sinoyiko lwamacala omthetho. Ingaba inkampani ingazivulela ngokubhekiselele kumatyala xa inika inzuzo kubasebenzi ngokusekelwe kwiminyaka yobudala? Ngenxa yokuba umhlala-phantsi oqhelekileyo ufika rhoqo kunye neenzuzo ezikhangayo, kuba kutheni umqeshwa omncinci angasisebenzisi ixesha kunye nokufumana i-perks yomqeshwa "oqeshwe"?
Kukho umba wokulawula. Ukuba abasebenzi beza kwaye beya kwiishedyuli ezahlukeneyo kwaye basebenze kuphela iintsuku ezithile kwenza kube nzima kubaphathi beenkampani kufuneka bahlale beqhuba izinto kunye nokusebenza kakuhle imihla ngemihla. Kwaye, ke, ezinye iinkampani azixhamli ngokugqithiseleyo ngokuhlawula iintlawulo ezinjenge-inshurensi yezempilo kunye nokuthatha umhlala-phantsi kubasebenzi abaye bancedisa isiqingatha kangangoko babenako.
Ekugqibeleni, kunzima ukukhuthaza umntu xa kukho umntu ohlala ecaleni ekwenzeni isigamu somsebenzi.
Uluhlu kuMqeshwa
Ukuthatha umhlala-phantsi okuxhasayo kunamalungelo ayo kodwa kunye neentloko zentloko zomsebenzi. Ukunciphisa iiyure zomsebenzi kuya kuthetha ukuba ukunciphisa ukuhlawulwa kunye nemali yemali ehamba kwiakhawunti yabo yomhlalaphantsi. Kukhona umbandela wokuqhubeka nokufumana inzuzo xa befuna ukufumana inzuzo yeNtlalo yeNtlalo, kunye nesibongo somqeshi ukuqhubeka nokuphatha umqeshwa njengomsebenzi wesikhathi esigcwele nangona i-time-time status.
Indlela yokuThengisa ngayo
Ukuba ungowesibini kwi-third-thirds yebasebenzi abangaphambi kokuthatha umhlala-phantsi ofuna ukuzama ukuhlala umhlalaphantsi, kuya kuthatha ukuthengisa. Okokuqala, yenza ityala elinamandla malunga nendlela eya kuzuza ngayo inkampani. Yiyiphi i-win-win for them?
Okwesibini, cinga ukufunda isakhono esitsha. Ingaba kukho omnye umsebenzi ongenakufuna iiyure ezizeleyo eziza kufuna kuphela uqeqesho oluncinane?
Ngaba inkampani yakho idinga umntu ukuba ahambe kwezinye iiofisi kwaye aqeqeshe okanye ahlole? Ngaba bahlala beqesha abacebisi bangaphandle kwiindawo apho unobungcali? Cinga nge "ngaphandle-bhokisi" iingongoma ezifana nalezi endaweni yokulwa nesimo sakho samanje, ingakumbi ukuba oko okwenzayo ngoku ngokucacileyo umzamo wesikhathi esigcwele kwaye inkampani ayiyi kuqesha umntu kumthunzi wena ixesha.