Vazhinji vedu tinonetseka pamusoro pehupenyu hwedu huchaita sei patinenge tasiya basa. Tiri kuwedzera mari yedu here? Ko pachava nekwaniko kuti unakidzwe nehupenyu zvechokwadi uye kwete kungovhiringidza? Ndingaitei nhasi kuti ndigadzirire mangwana mangwana?
Zviri pachena kuchengetedza nekutsvaga mari kune zvikamu zviviri zvakakosha zvekukwanisa kurarama hupenyu hunofadza. Kupa huwandu huwandu kune yako 401 (k) uye kubatanidzwa muhutano hwekuita basa hwekubvisa mari huchabatsira zvikuru mukukura kwechikayi.
Iko vanhu vakawanda vasinganzwisisi ndechokuti iwe unokwanisa kukwanisa upfumi huripo mukurasira nekuwedzera mamwe mapurogiramu anobatsira anokwanisa kuwanika nemushandi wako. Chinokosha ndechokuti uve nokunzwisisa kwakanaka kwezvipi zvirongwa izvi, uye kana iwe hauna kukodzera. Aya mazano mapurogiramu haasi akafananidza kune vanhu vose, saka iva nechokwadi chokuti unotarisa newaunoshandira kuti uone zvinowanikwa iwe zvakananga kwauri. Uyezve, iwe unoda kubvunza kana rubatsiro rwaunofarira rukwereta kana kuti rusununguko rwemitero.
Kuchengetedzwa Kwekuchengetedzwa Kwekuchengetedza (DCAPs)
Kusimirirwa Kwekuchengetedzwa Kwekuchengetedza Zvirongwa zvakapiwa nevashandi zvakagadzirirwa kupa zvikwereti kuti vose vakaroorana vashande nekubhadhara vashandi zvekuchengetedza zuva uye zvimwe zvinotarisirwa kuchengetedza mari. Inogona kupawo nzvimbo chaiyo yekuchengetedza zuva kana urongwa hwakafanana.
Education Assistance Plan
Purogiramu Yekubatsira Dzidzo inobhadhara kana kubhadhara vashandi kune mari inoshandiswa mumapurogiramu ezodzidzisa anenge achida kuvandudza unyanzvi hune chokuita nebasa.
Zvimwe zvirongwa zvingatoitawo rubatsiro rwezvidzidzo zvekudzidzisa kana kusina basa rine chokuita nebasa kana kuti dzidzo yevana vashandi kana vamwe vanovimba navo.
Kugadziriswa kwekubatsira
Urongwa Hwekubatsira Adoption Huripi hunobhadhara kana kubhadhara vashandi kuti vawane mari yekugadzirisa inoshandiswa inobatanidzwa maererano nekugamuchirwa kwemwana.
Urongwa hunofanira kunyorwa uye hutsigirwa nemushandi. Kufanirwa kutora mari inoshandiswa kunosanganisira zvinokodzera uye zvakakodzera kutora mari, kubhadhara mari, mutero wemhosva, kutengesa mari paunenge uri kure nemusha, zvimwe zvinoshandiswa zvakananga zvakananga nekugamuchirwa kwepamutemo.
Stock Option Plans
Vashandi vanowanzoshandisa sarudzo dzekushandisa semotokari yekubhadhara vatariri. Zvisarudzo zvekutsvaga zvinowanzopiwa pamutengo unofadza, kana uri pasi apa kana kuti ikozvino kukosha kwemahombekodhi yemugovera panguva yekubatsira. Sezvo zvisarudzo zvinowanzosimbiswa kwemakore gumi, hutungamiri hunobatsira kana kukosha kwechikwata kuchikwira pamusoro pekubhadharwa kwemari panguva iyoyo. Kune rumwe rutivi, kana mutengo wematokisi uchidzika, mukuru haana kurasikirwa nemari.
Bonus Plans
Purogiramu yeBhonasi ipurogiramu isina kufanirwa umo vashandi vakasarudzwa vanowana mari inokurudzira kuwedzera pamari yekuzadzisa zvinangwa zvekushanda. Havana kupa mutero kushandiswa kune vashandi, kunze kwekuti kubhadhara kunowanzoregererwa kusvikira pakuguma kwegore, asi ivo kazhinji vanodzingwa kumushandi pasi pemitemo yakafanana nedzimwe chikwereti chemari.
Fringe Benefits
A Beneinge Benefit kune chero mari yekubhadhara kana zvimwe zvakagamuchirwa nevashandi vasina mari.
Kune mienzaniso yakawanda yezvimwe zvikomborero:
- Anokodzera mushandi akarambidzwa: vashandi vanogona kusabvisa kubva muhomwe yakawanda purogiramu dzimwe dzekutenga kwezvinhu zvevashandi nemashandi.
- Kwete-yowiri-mari yekuita mabasa: kazhinji, hapana-yowedzera-mari yebasa inowedzera maitiro emagetsi, zvakadai semapurisa, mabhazi kana tereti, uye inogona kupiwa kuvashandi.
- Zvokudya uye pokugara: mubhadhari anogona kukwanisa kubhadhara mari yezvokudya uye pokugara zvakagadzirirwa kuvashandi kana mari iyo inowanzodiwa uye inoda mari yebhizimisi.
- Mvumo yekufambisa mari: kukosha kwevashandi-vakapa motokari yemugwagwa yemotokari kunoshandiswa pakati pekugara kwebasa uye nzvimbo yebasa hakurevi semari inotengesa kumushandi. Izvi zvinobatsirawo zvinosanganisira kushandiswa kwekufambisa kwekufamba uye kushambidzwa kwepachena.
- Basa rekugadzirira basa rekugara mubhadharo : mubhadhari angasarudza kubva kumubhadharo wevashandi kukosha kwezano chero ripi zvaro rekurayira basa kana kuti ruzivo rwakapiwa kumushandi kana kumudzimai wake kana mushandi achichengeta chirongwa chekurega basa.
- Athletic Facilities: Anoshandira anokwanisa kubvisa kukosha kwekushandiswa kwevashandi pane imwe nzvimbo-yeimba yekurovedza kana imwe nzvimbo yevashandi iyo inoshanda kubva kumubhadharo wevashandi kana zvakawanda zvekushandiswa kwechivako panguva yegore regore rino ndevashandi varo, vakaroorana, uye vana vavo vanovimba navo.
- Car Car Plan- vashandi vanowanzopa motokari dzine motokari kune vashandi. Muchirongwa chemotokari yekambani, mushandirwi ndiye muridzi wemotokari uye ane kodzero yekubvisa kuderedza, pamwe chete nedzimwe mari. Mushandi haazive mari yekushandiswa kwebhizimisi yemotokari asi kuenda kana kushandiswa kwemunhu motokari kunogona kubhadhara.
Golden Parachute Plans
Zvikomborero zveGood Parachute Plani dzinobhadharwa kana zviitiko zvekutsvaga kana kubatana kunokonzera kurasikirwa kwehutungamiri hwebasa, nokudaro kupa mari yekuchengetedzwa kwemari kune vatengi vanobhadhara zvikuru vanotasirwa nekubatana kana kutora kusanganisira vashandi vavo.
Mutemo Wezvemitemo
Nheyo dzepamutemo dzinogona kupiwa kuvashandi kana zvichidiwa kuburikidza nekubhadharwa Kwebasa reMutemo. Zvirongwa izvi zvinopa kugadziriswa kwezvido uye masimba emugweta, kubhadhara komunhu oga, kurambana, kuchengetwa kwevana, nekudzivirirwa kwezviito zvevanhu kana zvemhosva.
Pasi Pasi
Pane nzira dzakawanda dzekuwedzera hupfumi muhutano kana iwe uchikwanisa kushandisa imwe yemapurogiramu emabhadharo. Vanhu vazhinji vangave vasingazivi kuti mapurogiramu aya aripo, saka iva nechokwadi chokuti utaure nemushandi wako pamusoro pavo nhasi-unogona kuisa mari yakawanda yakawanda muhomwe yako!