Funda ukuba zisebenza njani iibhonasi zomsebenzi kunye nento onokuyenza ngazo

Iinkampani zibonelela ngeenzuzo ezininzi ezintle. Ezi zibonelelo zinokufikeleleka kukhathalelo lwempilo, ukhetho lwesitokhwe, kunye neendawo zokusebenza. Izibonelelo zemali, ezifana neebhonasi zomsebenzi, ngamanye amaxesha zinikezelwa. Ukuhlawulwa ngomsebenzi wakho sisikhumbuzo esihle sokuba usebenze nzima kangakanani kwinkampani yakho.

Ibhonasi yomsebenzi oqhelekileyo oqhelekileyo waseMelika malunga ne-$2.500 I-11% yomvuzo womndilili womsebenzi oxolelweyo kunye ne-6,8% yomvuzo womsebenzi ongaxolelwanga. Kwabaninzi, esi sisixa sesisa sengeniso eyongezelelweyo enokunceda ngokwenene ukufikelela kwiinjongo zemali.

Ukuba unelungelo lokufumana ibhonasi kwinkampani yakho, zilungiselele ukuyichitha ngobulumko. Nanga amanye amacebiso okukunceda ukuba usebenzise iipremiyamu zakho kakuhle. Okokuqala, makhe sithethe malunga nokuba zeziphi iipremiyamu nokuba zibalwa njani.

Zibalwa njani iipremiyamu?

Ngoku makhe sithethe ngeebhonasi. Iibhonasi zomsebenzi yimbuyekezo enikezelwa yinkampani yakho engeyonxalenye yomvuzo wakho wesiqhelo. Inikezelwa ngokusekelwe kwiziphumo zenkampani ngexesha elithile lexesha. Ukuvuza abasebenzi ngenxa yempumelelo yabo emsebenzini kunye neebhonasi zabasebenzi.

Zingasetyenziselwa ukuvuza abasebenzi abanokubakho ngokwamkela izibonelelo zemisebenzi okanye ukusebenza kwenkampani iyonke.

Abasebenzi bafumana iibhonasi kwiinkampani zabo minyaka le, ngekota nganye okanye ngonyaka. Kuxhomekeke kwinkampani nganye ukuba zibalwa njani iipremiyamu. Nangona kunjalo, iya kuba yipesenti yomvuzo wakho wesiseko.

Iibhonasi zabasebenzi ziphantsi kwerhafu

Uya kuba phantsi kwerhafu ukuba ufumana ibhonasi eyongezelelweyo kumqeshi wakho, ukuba yinto onelungelo layo leyo. Ngokutsho kwe-US News & World Report, Iibhonasi zixhomekeke kumlinganiselo omiselweyo we-22%. Umqeshi wakho unokongeza ibhonasi yakho kumvuzo wakho

Ukubamba kwakho irhafu yengeniso rhoqo kuya kutsalwa irhafu kuzo naziphi na iibhonasi ozifumanayo. Ngexesha lerhafu, kuya kufuneka ufune umsebenzi wakho owongezelelweyo.

Kubalulekile: Kufuneka wenze uphando lwakho ukuze ubone ukuba ibhonasi yakho ingalonyusa na ityala lakho lerhafu. Umcwangcisi-mali unokunceda.

Iintlobo eziqhelekileyo zeebhonasi zomsebenzi

Iintlobo ezininzi zeebhonasi zinokufunyanwa emsebenzini. Ezi zezinye zezona ntlobo zidumileyo zeebhonasi abasebenzi bazinika abasebenzi babo:

Ngekota kunye nebhonasi yonyaka

Ibhonasi yekota okanye yonyaka libhaso kubasebenzi abasebenza kanye okanye kabini ngekota. Iibhonasi zinikezelwa kubasebenzi Ngokusekelwe ekusebenzeni ngokubanzi Ekuhambeni kwexesha. Intsebenzo yomqeshwa iyavavanywa kwaye imivuzo inikezelwa ngekota okanye ngonyaka.

Ibhonasi yokuphela konyaka

Abasebenzi bafumana iibhonasi zokuphela konyaka ekupheleni konyaka ngamnye. Njengeebhonasi zonyaka okanye zekota, iibhonasi zokuphela konyaka zimiselwa ngokusekelwe kwimiba esele ifikelelwe ekuqaleni konyaka ngamnye. Xa ezi ziganeko ziyimpumelelo, abasebenzi bafumana ibhonasi ekupheleni konyaka.

Ibhonasi yeholide

Ukubonisa uxabiso lwabo, abanye abaqeshi banika abasebenzi iibhonasi zomsebenzi ebudeni beeholide. Nokuba yeyiphi na injongo yokusebenza abanayo abasebenzi, iibhonasi zeholide zinokunikwa wonke umntu.

Iibhonasi zekhefu zinokunyusa imveliso kunye nokuziphatha, kunye nomsebenzi onzima ovuzayo.

Iibhonasi zokwabelana ngenzuzo

Ukwabelana ngenzuzo Iibhonasi ziibhonasi ezixhomekeke kwimpumelelo yenkampani. Inkampani ihlawula abasebenzi ipesenti yeenzuzo zabo ekuhambeni kwexesha.

Iibhonasi zokwabelana ngenzuzo zikhuthaza abasebenzi ukuba banyuse iingeniso zenkampani, ezithi ke zabelwane ngabo bonke abasebenzi.

IiKomishini

Olunye uhlobo oluqhelekileyo lwebhonasi yomsebenzi yikhomishini. Izavenge zekomishoni zinokusekelwe kwiinjongo ezithile zokusebenza. Ezi bhonasi zixhaphakile kwishishini lokuthengisa.

Point bonus

Iibhonasi ezikhethekileyo zinikezelwa "ngoko nangoko" ukuze kuphunyezwe injongo ethile. Olu hlobo lwebhonasi lukhuthaza abasebenzi ukuba babe nemveliso kwaye basebenze nzima ukuze bafumane ingeniso eyongezelelweyo. Iintlawulo zanyanga le ziyindlela yokunyusa umvuzo Ezi premiums zikholisa ukuba ngaphantsi kunezavenge zonyaka, zekota okanye zokuphela konyaka.

Ibhonasi yokusayina

Iinkampani ezininzi zibonelela ngeebhonasi zokusayina kunye nokuthunyelwa. Zenzelwe ukukhuthaza nokugcina abasebenzi abatsha. Buza inkampani ukuba ibonelela ngeebhonasi zokusayina ukuba ufuna umsebenzi.

Iibhonasi zokugaya ziyilelwe ukukhuthaza abagqatswa ukuba bamkele imisebenzi. Abasebenzi bafumana ibhonasi yokusayina ngokukhawuleza nje ukuba baqeshwe. Thetha ngesivumelwano sebhonasi kunye nomqeshi wakho omtsha ukuba unomdla wokuqesha.

iBhonasi yoNgqibo

Ibhonasi yokuthunyelwa ibona abasebenzi abakwaziyo ukuzisa italente entsha kwinkampani. Umqeshwa ke ufumana ibhonasi ngokuqesha abasebenzi abaqeqeshiweyo.

Nazi iindlela ezi-6 zokuchitha ibhonasi yakho yomsebenzi kakuhle

Lungiselela kwangaphambili ibhonasi yakho ukuba ufanelekile kuyo. Kuya kufuneka ucwangcise indlela oza kuchitha ngayo intlawulo eyongezelelweyo ukufezekisa iinjongo zakho zemali.

1. Nciphisa ityala lakho

Sebenzisa iibhonasi ozifumanayo, kungakhathaliseki ukuba zekota okanye ngonyaka. Unokucwangcisa ukunciphisa amatyala ngebhonasi yakho, efana nebhalansi yekhadi lokuthenga ngetyala kunye nemali-mboleko.

Ibhonasi yomsebenzi yindlela elungileyo yokukhawulezisa iinzame zakho zokuhlawula amatyala akho. Fumana indlela yokuhlawula amatyala akho ekuvumela ukuba ufezekise injongo yakho.

Enye inketho yokuhlawula amatyala yibhola yekhephu, ekuvumela ukuba uhlawule eyona mali incinci kuqala. Indlela yokuhlawula amatyala e-avalanche igxile kuphela kumatyala enzala aphezulu.

Unako ukuhlawula lonke ityala lakho ngeedola ezimbalwa ezongezelelweyo kwibhonasi yakho.

2. Ibhonasi yakho yomsebenzi ingagcinwa

iindleko zokuphila Sithetha nje bavavanya iimali zomntu wonke. Nangona kunjalo, ibhonasi yakho yomsebenzi inokukunika umqamelo owongezelelweyo oyifunayo. Gcina ibhonasi yakho kwiimeko ezingxamisekileyo.

Unokwandisa ugcino lwakho olungxamisekileyo ngokugcina ibhonasi yakho yomsebenzi kangangeentsuku ezinethayo. Imali yakho eyongezelelweyo ingasetyenziselwa ukukunceda ufikelele usukelo olukhulu lwemali.

Ngaba uyafuna ukuthenga indlu okanye imoto kwixesha elizayo elingekude? Ibhonasi yakho ingasetyenziselwa ukufikelela kwiinjongo zakho zokulondoloza kwixa elizayo.

Ungakhulisa ukonga kwakho ngokuvula ibhanki yokonga enenzala ephezulu. Unokufumana inzala kulondolozo lwakho lwexesha elide.

Ukufumana eyona nzuzo inkulu, phanda ezona akhawunti zogcino zibalaseleyo kunye nenzala yazo yangoku.

3. Ibhonasi yakho yomsebenzi inokuba lutyalo-mali

Kunye nomzala wakho, kulungile ukuqhubeka utyalo-mali kuwe. Unokuqala okanye ukwandisa iminikelo yakho kwi-401K (okanye i-Roth IRA) kunye neemali ezongezelelweyo ezivela kwintlawulo yakho eyongezelelweyo.

Ukunikela kwingxowa-mali yotyalo-mali ngomvuzo wakho owongezelelweyo kuneenzuzo ezininzi. Imirhumo kwi-401(K) yakho ayinarhafu. Ikwadibanisa umdla, ikuvumela ukuba ubukele ibhonasi yakho ikhula ngayo ixesha. Ibhonasi yakho yomsebenzi inokuba negalelo ekukhuleni kwepotfoliyo yakho.

Ukwandisa utyalo-mali lwakho kuya kuhlawula ngexesha lerhafu. Ungatyala imali kwi-401(K), kodwa akufanele uyenze ngexesha lerhafu. Nciphisa umvuzo wakho orhafiswa kwixesha elizayo lerhafu.

Ke ukuba ufuna ukuqalisa ukwahlula ipotifoliyo yakho usebenzisa ibhonasi yakho, phanda iindidi ezahlukeneyo zotyalo-mali. Kukho iintlobo ezininzi zotyalo-mali ekufuneka uziphande, ezifana nezitokhwe, iibhondi, kunye neengxowa-mali, ngokunjalo i-cryptocurrencies.

4. Nikela ibhonasi yakho yomsebenzi

Ngemali eyongezelelweyo oyifumana kwibhonasi yakho, kukho ezinye iindlela zokubuyisela. Ibhonasi yakho yomsebenzi inokunikelwa kumbutho okanye isisa esifuna uncedo lwemali.

Ngemali yakho ongacetywanga ungenza umahluko kwaye uncede abanye. Oku kunokukuvumela ukuba uncede abanye abasweleyo. Qiniseka Nawuphi na umnikelo omkhulu wesisa owenzayo unokuxhuzulwa irhafu ixesha lerhafu

Ngeenjongo zerhafu, ungalibali ukurekhoda umnikelo wakho kumbutho wesisa.

5. Yenza utyalo-mali olukhulu kusapho lwakho.

Ngaba uneenjongo ezinkulu zekamva lezemali losapho lwakho? Ngekamva elingcono lezemali, sebenzisa ibhonasi yakho yonyaka kutyalo-mali kusapho lwakho. Ukulungiselela abantwana bakho ukuba bangabi namatyala ekholejini, unokucinga ngokwenza iakhawunti yokonga yasekholejini.

Iakhawunti yokonga yekholeji ye-529b yindlela entle yokubekela bucala imali yemfundo yabantwana bakho yexesha elizayo.

Ukongeza, gcina ibhonasi yakho yomsebenzi ukuze uhlawule ukuthenga okukhulu. Gcina umvuzo wakho owongezelelweyo, umzekelo, ukunceda ukuhlawula imali-mboleko yendlu yakho. Awunakuze uhambe kakubi ngokubeka bucala imali eyongezelelweyo ukuze utyale imali kwikamva losapho lwakho.

6. Qala ishishini lakho, ecaleni, okanye uqale elinye.

Sebenzisa ibhonasi yakho yomsebenzi ukwandisa umvuzo wakho. Ungasebenzisa ibhonasi yakho ukuxhasa ishishini elisecaleni okanye udale inkampani entsha. Tyala imali kuwe ukuze ufumane izibonelelo ozidingayo kwishishini lakho.

Kufuneka kwakhona ujonge iindlela zokuphucula izakhono zakho. Ukwandisa ishishini lakho elisecaleni, sebenzisa ibhonasi yakho yomsebenzi ukuhlawula uqeqesho okanye iiklasi. Ibhonasi yakho yomsebenzi inokukunceda ulungiselele uhambo lwakho olulandelayo.

Ibhonasi yakho yomsebenzi ingasetyenziselwa ukufikelela kwiinjongo zakho zemali

Ungasebenzisa iibhonasi zomsebenzi ukukhawulezisa imali yakho okanye ukufezekisa iinjongo zakho. Kodwa iibhonasi azinakuqinisekiswa kuwo wonke umsebenzi okanye inkampani.

Ungabuza umphathi wakho ngamathuba ebhonasi emsebenzini ukuba awuqinisekanga ukuba ufanelekile na. Sebenzisa iibhonasi onazo ukukhulisa iinjongo zakho zemali.