Haunoda Kurega Kunyange zvakadaro? Kurasikirwa Pashinha Kunogona Kuva Icho Chinokosha Chakanaka.
Rimwe zuva uri nguva yakazara mushandi uye zuva rinotevera iwe hausi. Ndizvo zvinotora basa rekusiya basa asi kana uri kutsvaga zvimwe zvekubuda zvishoma kana kuti hapana kana kuenda, unogona kufunga nezvekusiya basa.
American ine Dambudziko
America ine dambudziko guru rebasa-chikwama chikuru chevashandi vane unyanzvi vari kubhadhara kana kuti vasvika kumakore ekurasira uye izvo zvine makambani anotarisirwa. Havasi ivo chete ivo vanhu pavanenge vachirasikirwa nemakore, vanobatisa ruzivo rwepamusoro-rose.
Kunyanya kuipa, maindasitiri akawanda ari kuona kuperevedza kwevashandi vaduku kuti vazadzise zvikanganiso.
Kune rumwe rutivi, vazhinji veavo 50 ne60-chimwe chinhu vashandi havadi kusiya basa. A Merrill Lynch-Age Wave kudzidza yakaratidza kuti 72 muzana yevanhu vasati vatora mari pazera remakore makumi mashanu vanoda kuenderera mberi vachishanda mune imwe nzvimbo. Vanenge vatatu voga veAmerica havazvioni ivo vachifamba munyika kana kuti vachishanda mudivi zuva rese.
A Win-Win
Kazhinji zvinowanzoitika asi munyaya ino, mavhiri maviri anokurudzirana. Vashandi vane mukana wekuchengetedza vashandi vezera rekurega basa nekuti vanoda kushanda. Ikoko ndiko kunopera mukana wokurega basa. Pane kubvisa zvachose, vashandi ivavo vanogona kuderedza maawa avo, kungoita basa rimwe zuva, kuenda kune rimwe dhipatimendi risinganyanyi kunetseka, kana kushanda kubva kumba.
Maererano neshumo cheG GAO, makambani anounza mana mazano anokosha ekuparadzanisa basa rekusiya basa:
- Kuchengeta vashandi vane unyanzvi, vane ruzivo
- Kurovedza nekurovedza vashandi vaduku, vatsva
- Kugona kuvashandi vekushandura muhutano
- Zvinyorwa zvisinganzwisisiki zvekushanda kwevashandi mune ramangwana
Kune vashandi, vanowana zvikwereti zvakare:
- Ukana hwekuwana mari kunyanya kana kuchengetedza mari yekubhadhara kwakakwana
- Kuramba mupfungwa uye muviri
- Inokwanisa kubvisa kuunganidza Social Security kwenguva yakareba kugadzirisa remangwana kunobatsira zvakakura
Makambani Ari paBhodi Here?
Pasinei nevashandirwi vanonzwa kuti vashandi vasati vasiya mari vasati vakagadzirira kuenda, uye kubatsirwa kwakanaka kune kambani, makambani mashoma anoshamisika anobvuma kubviswa pabasa. Chidzidzo kubva kuTramerican Center for Retirement Studies (TCRS) chakawana kuti 77 muzana yevashandi vanofunga kuti vashandi vavo vakaronga kuramba vachishanda mushure mokurega basa asi 31% chete emakambani iwayo anogamuchira kupera basa. Uye nenzira, gwaro re GAO riri pamusoro apa rakanzi Phased Retirement Programs, Kunyange zvazvo Zvisingawanzoiti, Zvigadzirisa Mafungiro evashandi nevashandi. Zvidzidzo zviviri zvinobvumirana kuti kupatsanura purogiramu hakusi kufanana sezvinofanira kuva.
Nei Zvisina Kuipa?
Chikonzero chakakosha chinoratidzika kuva kutya kwekutongwa kwemhosva. Ko kambani inogona kuzarura kusvika kumhosva kana ichipa rubatsiro kune vashandi zvichienderana nemakore? Nemhaka yokuti kubviswa kwepabhesi nguva yakawanda kunowanzova nekunakira zvikwereti, nei musikana muduku asingashandisi nguva uye achiwana mari ye "mushandi"?
Panewo nyaya yekubata. Kuva nevashandi vachiuya uye vachienda pamarongwa akasiyana uye kushanda kwemazuva mamwe chete kunoita kuti zvive nyore kune vatungamiri vekambani vanofanira kuchengeta zvinhu zvishanda uye zvinobudirira zuva rimwe nerimwe. Uye, zvechokwadi, mamwe makambani haashamisi zvikuru pamusoro pokubhadhara zvikwereti sehutano hwehutano uye kubhadhara kune vashandi avo vari kupa zvino hafu zvakanyanya sezvavakamboita.
Pakupedzisira, zvakaoma kukurudzira mumwe munhu apo pane mumwe munhu akarembera paaita chikamu chebasa.
Tough paMushandi
Kurega kurasikirwa kwepasi kune zvikomborero asiwo kune zvimwe zvingave zvingava musoro kune mushandi. Kuderedzwa kwemaawa angangodaro kunoreva kuderedza kubhadhara mubhadharo uye mari inoshandiswa mumabhuku avo ekurega basa. Panewo nyaya yekuenderera mberi kuwana mari kana vachida kuwana Social Security, uye chikumbiro chemushandirwi kuti varambe vachibata mushandi sevashandi venguva yakazara pasinei nehuwandu hwemaawa avo.
Nzira Yokutengesa Iyo
Kana iwe uri mumwe wevaviri kubva kune zvitatu zvevashandi vasati vasiya mari avo vanoda kuedza kupera basa, rinotora kutengesa. Chokutanga, ita nyaya yakasimba kuti ichabatsira sei kambani. Chii chinokunda-kukunda kwavari?
Chechipiri, funga kudzidza unyanzvi hutsva. Pane rimwe basa risingazodi nguva yakazara-nguva iyo inongoda kungodzidziswa zvishoma here?
Ko kambani yako inoda mumwe munhu kuenda kune mamwe mahofisi uye kudzidzisa kana kuongorora? Vanowanzobhadhara vashandi vekunze mune dzimwe nzvimbo mune unyanzvi here? Funga nezve "kunze-the-box" maziso akadai seaya pane kurwisana nemamiriro ako ezvinhu, kunyanya kana izvo zvaunoita ikozvino zvakajeka nguva yakazara uye kambani haisi kuzobhadhara mumwe munhu kuti ave mumvuri iwe kunyange kwenguva pfupi nguva.