Xa Ungeke Uthi Cha kwiNyango
Uninzi, kodwa hhayi bonke, baseMerika banelungelo lokunqaba unyango lwezokwelapha .
Nangona kunjalo, kukho iimeko ezintathu zokunqanda unyango. Zenzeka xa abanye bexhaswa ngengeniso yesigulane ngexesha lakhe lokulimala, ukugula nokungakwazi ukusebenza.
Kwiinkoliso zezi zihlandlo, isigulane asinakulahla unyango ukuba ukwenza njalo kuya kwandisa ixesha lakhe emsebenzini kunye nokukwazi kwakhe ukuzixhasa.
Kumele aqhubeke ethembele kwabanye ukuze amnike imali engenayo.
Kukho ezinye izinto, kodwa ezo zikhethiweyo zivame ukugqitywa yijaji okanye i-agarhulumente karhulumente eyenza ezo zigqibo. Ngokomzekelo, isigulane esifumene nesifo esigqityiweyo singavunyelwa ukwenqaba ukunyanga ukuba kunokwenzeka ukuba uya kuphinda abuyele emsebenzini - unyango okanye akukho unyango.
Nazi ezinye izinto ezintathu eziphambili ezifanelekileyo zokunqaba:
Imbuyekezo yabasebenzi
Ukuba ubuhlungu okanye ugule ngenxa yomsebenzi wakho okanye indawo yakho yomsebenzi, kwaye ufumene imali ngenzuzo yembuyekezo yabasebenzi, ngoko ungeke unelungelo lokunqaba unyango. Nangona imithetho ethile ejongene nale ngxaki ihluka ukusuka kummandla ukuya kwimeko, umbono wukuthi umqeshwa akakwazi ukuqhubeka ngokusemthethweni ukuzuza ngemali ngokwala unyango.
Kuya kuba nemimandla egciniweyo, kunjalo. Kukho ixesha elinokuthi isigulane sifuna ukulahla unyango lweengxaki zonyango ezingahambelani nokulimala okanye ukugula okumenza aphume emsebenzini.
Ukungafuni ukufumana umkhuhlane wefriwu akufani nokugatya utyando olulungisa umzimba womntu.
Ukuxhomekeka kokusetyenziswa kweziyobisi, nokuba ngaba asiyiyo imbangela yonyango unyango olufunyanwa ngumqeshwa, lunokuchaphazela ilungelo lomqeshwa lokunqaba unyango. Abaqeshwa abanako ilungelo lokungafuni ukuya kwinkqubo ye-detox, umzekelo, kuxhomekeka kwiziphumo zolu vavanyo lwezilwanyana.
Oku kuyahluka kumthetho kaRhulumente.
Ukuba ufumana impatho yabasebenzi kwaye unqwenela ukunqanda naluphi na uhlobo lwenyango, qiniseka ukuba uthatha amanyathelo alungileyo kwaye wazise abantu abalungileyo ukuze wenze eso sigqibo sokwenqaba unyango.
Ukukhubazeka kweNtlalo (SSD)
Ukufana nokuhlawulelwa kwabasebenzi, abantu abafumana ukukhubazeka kwezenhlalakahle zentlalo banokufumanisa ukuba abanakukukhansela ngokusemthethweni unyango. Xa abakhokhi berhafu banikela ngemali engenayo ngenxa yokuba ugula okanye utyhafile, kwaye ukuba eso sifo okanye ukulimala kungaphuthukiswa okanye kulungiswe kakuhle ukwenzela ukuba unokuzixhasa ngokwakho, awuvumelekanga ukulahla unyango. Ukuba ukwenza, uya kunika ilungelo lakho lokufumana inkxaso ye-SSD.
Njengokuba kubasebenzi, kukho imimandla kule migaqo. Abamkeli be-SSD kulindeleke ukuba baphishekele zonke iifom "zengqiqo" zonyango. Ewe, "ingqiqo" ishiywe ukuchazwa kunye neziphumo zonyango aziqinisekanga.
Ukuba ufumana iintlawulo ze-SSD kwaye unqwenela ukunqanda naluphi na uhlobo lwenyango, qiniseka ukuba uthatha amanyathelo alungileyo ukwenza eso sigqibo sokwenqaba unyango.
Ukukhubazeka kwabangasese
Usenokuba ukhethe i-inshurensi yokukhubazeka yangasese ngokusebenzisa umqeshi wakho okanye ngabanye ngokusebenzisa inkampani efana ne-Aflac okanye iMassMutual.
Ukuba ukulimala okanye ukugula akuhambelani nomsebenzi wakho kodwa kukuchaphazela amandla akho okusebenza okanye ukuxhaswa ngokwakho, yilapho i-inshorensi yakho yokukhubazeka izakuxhasa ngenkxaso yakho ngexesha lokukholisa. Ukukwazi kwakho ukwenqaba unyango kuyahlukahluka ngomshuwalense.
Ngokuqhelekileyo, imigaqo yokwenqaba iya kufana neleyo yokukhubazeka kweNtlalo kunye nokuhlawulwa kwabasebenzi. Umshuwalense okhubazekileyo akayi kukulungele ukuba ukhethe ukuba ungaphathwa ngayo ukuba ukwenqaba kuthetha ukuba kuya kufuneka kukuhlawule imali ngaphezulu ixesha elide. Ukuba wenqaba unyango, unokulahlekelwa ezo ntlawulo.
Ukuba ufumana nayiphi na intlawulo yokukhubazeka kwaye unqwenela ukunqanda naluphi na uhlobo lwenyango, qiniseka ukuba uthatha amanyathelo okufanelekileyo ukwenza eso sigqibo sokwenqaba unyango.