Zvingangodaro Uri Kushanda Gig Economy kana Kuti Unoshandiswa Une Zvimwe Zvingasarudzwa
Munhu anosununguka, mushandi akazvimiririra, kana munhu anozvishanda ndiye mumwe munhu anoita bhizimisi oga uye haashandi kune imwe kambani. Sevane freelancer kana vashandi vanozvishanda, vanhu vanofadzwa nezvikomborero zvakawanda uye kushandura mafungiro, pamwe chete nebasa rehupenyu-hutano, asiwo vanofanira kutarisira zvose zvese zvebasa ravo pachavo. Kuvhara kwehutano kune chimwe chinhu chinonyanya kukoshesa kana iwe ukasarudza kuva vashandi vekuzvipira, kana kuti uri kuzvipira.
Utano Hwehutano Hwakawanda Hwakadii kune Vavengi Vanosununguko?
Kunyange zvazvo zvingava zvakanaka kuti tikwanise kupa nhamba imwe kuti tipindure mubvunzo uyu, munhu wese wehutano inshuwarhu yehutano ichasiyana. Zvisinei, usati washushikana nezvehuwandu hwehutano hwehutano hwehutano, funga kuti muna 2016, maererano neDhipatimendi reZvipatano neHuman Services wehurumende yeMelika ine hurongwa hwemisika yemasoka yakabhadhara madhora 106 pamwedzi mushure mekusimbiswa. Mukuwedzera kumusika, iwe unewo dzimwe nzira dzekuwana hutano hwehutano hwehutano.
Va Freelance Vanoshanda Vanofanira Kushushikana Nezve Utano Nehutano Inishuwarenzi?
Nekutaura nguva dzose kwekuchinja kune hutano hwehutano, kubviswa uye dzimwe nyaya, mari yekuchengetedza utano ndeyevanhu vose. Kuve mushandi wekusununguka kunokuisa pangozi nokuti kana iwe uri kurwara uye kamwe kamwe usingakwanisi kushanda, iwe ucharasikirwa nemari yako asi uchizobhadhara zvikwereti zvechipatara uye mari yekurapa uye kurapa. Pasina boka mapurisa inshuwarano yehutano kuburikidza nenzvimbo yebasa yemabasa, kuvharwa iwe pachako kunowedzera kukosha.
Tine dzimwe nzira dzekupa izvo zvinogona kukubatsira kuti uone kuti nzira yakanakisisa ndeyekuti uzvidzivirire iwe uye zvingasarudzwa kubva kwaunogona kutsvaga kuti uwane inshuwarhu yehutano semushandi wekuzvipira.
Freelance Work muUnited States
Vanhu vazhinji vari kusarudza kushanda vakasununguka, chaizvoizvo, muna 2015, 1 muvatatu vashandi vaisarudza kuwana mari kubva kune basa risina tsika, rinoshanda kune mamiriyoni makumi mashanu eMelika.
Inofungidzira ndeyekuti muna 2020, iyo ichangopfuura makore matatu chete, 50 muzana yevashandi muUnited States vachave nemamwe maitiro ekuzvipira basa. Dambudziko guru rinotarisana nehurumende dzakazvimiririra, dzekuzvidzivirira kana dzekuzvipira ndezvekuwana mari inotengesa uye yakavimbika youtano hwehutano hwehutano. Nenguva isipi pane zvingasarudzwa zvingasarudzwa kubva, uye nekutsvakurudza zvishomanana, chirongwa chakanaka chinogona kuwanikwa kuve nechokwadi chekuti unokwanisa kuchengetedza hutano hwako uye kuwana rubatsiro kana iwe uchida.
Zvinyorwa zveIndaneti, Freelance kana Vanozvishanda Vashandi
Nekugoverana nzvimbo dzepahofisi kuburikidza nemakambani akafanana neWeWork, uye mukana wakakwana wokubvarisa nzvimbo yehofisi, sezvinodiwa, somuenzaniso kuburikidza nemakambani akaita seBreather, vashandi vanozvimiririra vari kuwana zviri nyore kudarika kare kare kuita bhizinesi rezvemabhizimisi munzira dzakabatsire sevanotengesa, vadzidzisi, vakashandira vashandi.
Zvimwe zvemashumiro aya, saWeWork, kunyange kupa rubatsiro kune vashandi vanozvimirira nehutano hwevanhu, kuburitsa webhu, uye kuverenga. Zvisinei, imwe nzvimbo inoramba ichinetsa, uye kazhinji yakaoma kururamisa sekuti mari yevashandi vanozvipira iri kuwana kuwana mari yakakwana yeutano.
5 Nzvimbo Dzokuwana Utano Hwepahutano senhare yeHelenance Worker kana Paunenge Uchishanda
Iwe unogona kuwana inshuwarhu yehutano kuburikidza nenzvimbo dzinoverengeka se-self-employed freelancer.
Zvimwe zvinosanganisira:
- Freelancers Union , iyo inopa hurongwa hwehutano inshuwarhu, pamwe nehuwandu hwezvirongwa zvezvehutano hwakafanana nemazino, kana zvimwe zvirongwa zvehushuwarisi semishuwarenzi yehupenyu.
- Kana iwe munguva ichangopfuura uchisiya basa rako kana uri kuda kusiya basa rako rega kuti uzviratidze iwe pachako sevashandi vekuzvipira kana kuti vashandi vekuzvipira, mapurogiramu ehutano ehutano akawanda anopa sarudzo paunosiya basa kuzoshandura hurongwa hweboka rako riripo muchirongwa cheumwe munhu . Zvirongwa zvemunhu mumwe nomumwe zvinogona kudhura zvichienderana nemamiriro ako ezvinhu, asi mari yaungachengetedza mukushanda iwe inogona kuvhara nyore nyore mutsauko. Kana iwe uri kusiya basa rako, iwe unogonawo kukodzera nguva yekunyoresa inokosha yatinotsanangura pasi apa. Iva nechokwadi uye chengeta zvaunosarudza ipapo kuti uone kuti iwe unoponesa mari pose pazvinogoneka.
- Kubvira kubva kuObamacare kana yeAgorded Care Care Act , unogona kuwana inshuwarhu yehutano kuburikidza nehutano hwepamusoro pamusika kana somumwe munhu kana mune mamwe mamiriro semabhizimisi maduku. Vavengi vese havazove vari mumabhizimisi maduku, asi heino hukama, chero bedzi iyo inoshanda kwauri iwe ikozvino, kana kana bhizinesi rako richikura.
- MuInishuwarenzi yehutano yemuviri wako kana Domestic Partner's Health Insurance ingave yakakosha yekufunga uye imwe inogona kukuchengetedza mari kana wakasarudza kuzvishanda uye kuzviita basa rokuzvipira. Kunyange kana iwe usina kuroorwa nemutemo, iwe unogona kukodzera sewawakaroorana naye kana iwe uchigovera imba imwechete uye ugare hupenyu hwemhuri pamwechete, chero bedzi iwe usati waroora kune mumwe munhu. Iwe unogona kudzidza zvakawanda pamusoro paani anokodzera sevashandi vemunharaunda pano .
- Kamuri yako yekutengesa yekutengeserana, ushamwari hwemhizha kana mabhizinesi. Kana basa rako rakashamwaridzana, kana iwe ukava nhengo yevashandi vanozvishanda kana sangano rekuzvimiririra, iwe unogona kukwanisa kuwana inshuwarisi yeboka kuburikidza nemhando dzehutano. Bhizinishuwarenzi yeboka inobvumira vanhu kuti vasunge pamwe chete senhengo dzeboka revashandi vanozvishanda vachipa zvakafanana kune rudzi rwe inshuwarisi yeboka iwe unogona kuwana kuburikidza nemushandi . Iwe unogona kuverenga zvakawanda pamusoro pezvirongwa zvakaita seyi uye zvimwe zvingasarudzwa zvehutano hwehutano huri munyaya yedu pano .
Ndeupi Mhando Yehutano Inishuwarenzi Ndeipi Yakanakisisa kune Vavengi Vechipiri?
Pane huwandu hwehutano hwaungashandisa kuwana hutano hwehutano hwehutano husingakwanisi. Nokuti inshuwarano yehutano yakabva pane zvimwe zvinhu, iwe pachako mamiriro ezvinhu uye zvinoda kuva chinhu chakakosha pakuziva kuti chinangwa chichashanda zvakadini kwauri. Tinovhara ruzivo rwakakura rwemashoko uye zvingasarudzwa kuti tive nehutano hwakanaka hwehutano munyaya yedu: 10 Nzira dzekuchengetedza Utano Hwenyu neInishuwarenzi zvakakosha .
Zvaunofanira Kuita Kana Iwe Usina Kushanda Kunyoresa uye Unoda Health Insurance
Kana ukashaya kunyorwa kunyoresa, unogona kushanyira pamusika uye ona kana iwe wakakwanisa kuwana nyanzvi yekunyora. Upenyu hunochinja uye mamiriro ezvinhu inoita kuti zvikwanise kuti iwe ufananidze kunze kwekunyora kwekusununguka nguva yehutano inshuwarhu. Iwe unogonawo kuwana utano hwehutano kana iwe uchikodzera Medicaid kana CHIP. Iwe unogona kudzidza zvakawanda pamusoro peizvi uye ona kana iwe uchikwanisa kuwana hutano hwehutano hweInishuwarenzi kunze kwokunyoresa nguva yakasununguka pano.
Zvakadini NeInishuwarenzi Yehutano Yenguva Yenguva Pfupi?
Nenguva pfupi hurongwa hwehutano hahupi kukupa zvikomborero kana zvigaro zvekugoverwa zvinopiwa neApriordable Care Act (ACA) zvirongwa. Purogiramu yehutano yehutano yemazuva mashomanana inogona kunge iri nguva yenguva pfupi yekufunga kana iwe wakashaya nguva yekunyora yakasununguka uye uchida kudzivisa kubhadhara mari yehutano kusvikira uchiwana ACA mutambo wekugoverwa, zvisinei, haasangana nemamiriro ezvinhu e Affordable Health Care Act ( ACA) uye zvinogona kuita kuti iwe uve nechirango chokubhadhara pasi peAACA zvishoma zvido zvekuvhara kana iwe usingatakuri kutarisirwa kunotarisirwa kwemwedzi 9 yegore . Kutaura nehutano hwehutano inshuwarisi mutengesi kunogona kukubatsira kuti uzarure dzimwe nzira dzakawanda, ivo vachava nechinzvimbo chokukupa mazano ezvebasa, uyewo achakwanisa kugadzirisa mataramiro ezvido zvako. Iva nechokwadi chekutarisa zvimwe zvese zvinosarudzwa pamusoro apa usati wasarudza rudzi urwu rwekugadzirisa.
Iwe Unofanirwa Kuva Neutano Inishuwarenzi Kana Uri Freelancer?
Kana iwe uchikwanise kutenga utano hwehutano inshuwarheni, ipapo iwe unofanira kutenga yako pachako yehutano inshuwarisi pasi pe Affordable Care Act. Kunyange vashandi vanozvipira kana vashandi vanozvimirira vanoda kuve "nehuwandu hunokosha huripo" inshuwarano yehutano.
Nzira Yemutero Wemitero ye Freelance Workers uye Utano Inishuwarenzi Mari Inoshanda
Kubatsira uye kubhadhara mitero kunogona kubatsira kuita kuti utano hwako hunodhura. Iwe unogonawo kukwanisa kutora chikwereti chemutero. MuDhipatimendi reZvipatano neHuman Services Report kubva munaMarch 2016 : "Avhareji yepamusoro yepamusoro yemari yekwereti inotakura inenge 73 kubva muzana yemutengo mukuru wevanhu vanofanirwa nehuwandu hwekubhadhara mari yepamusoro."
Chirango chekusava neutano Inishuwarenzi hachikoshi iyo
Kana iwe uchikwanise kutenga utano hwehutano inshuwarheni uye usingakodzeri kubhadhara, iwe uchave nechirango chekubhadhara ichizivikanwa sechirango chemunhu mumwe nomumwe. Chikwereti chinowanikwa apo iwe unokera mitero yegore rausina hutano hwakanaka. Kuwanda kwemari yacho kunobva pauri mamiriro ako ega uye kunogona kuguma kuve yakadhura. Inobva pane chikuru pane zvinotevera:
- 2,5 muzana yemari yako yeimba
- Zvose gore negore rebhadharo yehutano hwehutano
- $ 695 pamunhu mukuru, $ 347.50 pamwana ari pasi pe18 kusvika pa $ 2,085 muna 2016/2017
Saka, kunyange zvazvo uchibhadhara inshuwalhu yehutano apo iwe uri freelancer zvingaita seoma kuisa mari, iwe unogona kuguma uchibhadhara kwenguva yakareba kwenguva refu kana iwe usingaregi kuronga.
Kucheka Utano Inishuwarenzi Mari
Kana iwe ukawana hurongwa hwehutengo huchidhura, zvino funga kutora chirongwa chepamusoro chekudzikinura, kana kusarudza "pasi-metal" pasi pamusika. Zvakare, funga kuva nehurukuro nehutano inshuwarisi mutengesi anomiririra makambani einishuwarenzi uye anogona kutsvaga zvakasiyana-siyana zvaungaita iwe. Kana uchingotenga inshuwarhu yako yehutano, iwe unowedzera kuchengetedza mari. Kutenga panzvimbo imwe chete kunogadzirisa zvaunogona.
Iva nechokwadi chokuti iwe nemhuri yako mune kuchengetwa kwehutano panzvimbo pokubhadhara chirango, ivai nechokwadi chekushandira kubhadhara mutero kwepayimari yakabhadharwa, uye nenzira iyi hamuzobhadhara chikwereti kuhurumende panguva yemitero yekusava nehutano yehutano uye kuwana hapana chinotora.