Funda ukuthi amabhonasi omsebenzi asebenza kanjani nokuthi yini ongayenza ngawo

Izinkampani zinikeza izinzuzo eziningi ezinhle. Lezi zinzuzo zingaba ukunakekelwa kwezempilo okuthengekayo, izinketho zesitoko, kanye nezinzuzo zasemsebenzini. Izibonelelo zezimali, njengamabhonasi omsebenzi, ngezinye izikhathi zinikezwa. Ukunxeshezelwa ngomsebenzi wakho kuyisikhumbuzo esihle sokuthi uyisebenzele kanzima kangakanani inkampani yakho.

Ibhonasi yemisebenzi ejwayelekile yaseMelika elinganiselwa ku-$2.500 U-11% womholo ojwayelekile wesisebenzi okhululiwe kanye no-6,8% womholo womsebenzi ongaxoshiwe. Kwabaningi, leli inani eliningi lemali engenayo eyengeziwe engasiza ngempela ukufeza imigomo yezezimali.

Uma unelungelo lokuthola ibhonasi enkampanini yakho, zilungiselele ukuyisebenzisa ngokuhlakanipha. Nawa amanye amathiphu angakusiza ukuthi usebenzise amaphrimiyamu akho kahle. Okokuqala, ake sikhulume ngokuthi ayini amaphrimiyamu nokuthi abalwa kanjani.

Abalwa kanjani amaphrimiyamu?

Manje ake sikhulume ngamabhonasi. Amabhonasi omsebenzi ayizinxephezelo ezinikezwa inkampani yakho ezingeyona ingxenye yeholo lakho elivamile. Iklonyeliswa ngokusekelwe emiphumeleni yenkampani phakathi nenkathi ethile yesikhathi. Klomelisa abasebenzi ngezimpumelelo zabo emsebenzini ngamabhonasi abasebenzi.

Angasetshenziselwa ukuklomelisa okungenzeka izisebenzi ngokwamukela ukunikezwa komsebenzi noma ngokusebenza kwenkampani kukonke.

Abasebenzi bathola amabhonasi ezinkampanini zabo minyaka yonke, njalo ngekota noma minyaka yonke. Kuya enkampanini ngayinye ukuthi amaphrimiyamu abalwa kanjani. Nokho, ngokuvamile kuyoba iphesenti lomholo wakho oyisisekelo.

Amabhonasi abasebenzi angaphansi kwentela

Uzokhokhiswa intela uma uthola ibhonasi eyengeziwe evela kumqashi wakho, uma lokho kuyinto onegunya lokuyithola. Ngokusho kwe-US News & World Report, Amabhonasi angaphansi kwesilinganiso esinqunyiwe esingu-22%. Umqashi wakho angakwazi ukwengeza ibhonasi yakho ku-payroll yakho

Ukubamba kwakho intela evamile kuzokhokhiswa intela kunoma imaphi amabhonasi owatholayo. Ngesikhathi sentela, uzodinga futhi ukufuna umsebenzi wakho owengeziwe.

Okubalulekile: Kufanele wenze ucwaningo lwakho ukuze unqume ukuthi ibhonasi yakho ingase ikunyuse yini isikweletu sakho sentela. Umcwaningi mabhuku angasiza.

Izinhlobo ezivame kakhulu zamabhonasi omsebenzi

Izinhlobo eziningi zamabhonasi zingatholwa emsebenzini. Lezi ezinye zezinhlobo ezidume kakhulu zamabhonasi abasebenzi abawanikeza abasebenzi babo:

Ibhonasi yekota kanye nonyaka

Ibhonasi yekota noma yonyaka ingumvuzo wabasebenzi abasebenza kanye noma kabili ngekota. Amabhonasi anikezwa abasebenzi Ngokusekelwe ekusebenzeni okuphelele Ngokuhamba kwesikhathi. Ukusebenza kwezisebenzi kuyahlolwa futhi imiklomelo inikezwa njalo ngekota noma ngonyaka.

Ibhonasi yokuphela konyaka

Izisebenzi zithola amabhonasi okuphela konyaka ekupheleni konyaka ngamunye wekhalenda. Njengamabhonasi waminyaka yonke noma wekota, amabhonasi okuphela konyaka anqunywa ngokusekelwe ezinyathelweni ezibalulekile ezifinyelelwe ekuqaleni konyaka ngamunye. Uma lezi zinyathelo ezibalulekile zifinyelelwa, abasebenzi bathola ibhonasi ekupheleni konyaka.

Ibhonasi yeholide

Ukuze babonise ukwazisa kwabo, abanye abaqashi banikeza izisebenzi amabhonasi omsebenzi phakathi namaholide. Kungakhathaliseki umgomo wokusebenza abasebenzi abanawo, amabhonasi eholide anganikezwa wonke umuntu.

Amabhonasi eholide angakhuphula ukukhiqiza nokuziphatha, kanye nokusebenza kanzima okuvuzayo.

Amabhonasi Okwabelana Ngenzuzo

Ukwabelana ngenzuzo Amabhonasi amabhonasi ancike empumelelweni yenkampani. Inkampani ikhokhela abasebenzi iphesenti lenzuzo yabo ngokuhamba kwesikhathi.

Amabhonasi okwabelana ngenzuzo akhuthaza abasebenzi ukuba bakhulise inzuzo yenkampani, bese yabelwa bonke abasebenzi.

Amakhomishini

Olunye uhlobo oluvamile lwebhonasi yomsebenzi ikhomishini. Amaphrimiyamu ekhomishini angase asekelwe ezinhlosweni ezithile zokusebenza. Lawa mabhonasi ajwayelekile embonini yokuthengisa.

Ibhonasi yephoyinti

Amabhonasi athile anikezwa "ngaso leso sikhathi" ukuze kuzuzwe inhloso ethile. Lolu hlobo lwebhonasi lukhuthaza abasebenzi ukuthi bakhiqize futhi basebenze kanzima ukuze bathole imali eyengeziwe. Amaphrimiyamu afika ngesikhathi ayindlela yokwandisa imali engenayo Lawa maphrimiyamu avamise ukuba ngaphansi kunamaphrimiyamu onyaka, amakota noma okuphela konyaka.

Ibhonasi yokusayina

Izinkampani eziningi zinikeza amabhonasi okusayina nawokuthumela. Zenzelwe ukukhuthaza nokugcina abasebenzi abasha. Buza inkampani ukuthi ikunikeza yini amabhonasi okusayina uma ufuna umsebenzi.

Amabhonasi okuqasha enzelwe ukukhuthaza abazongenela ukhetho ukuthi bamukele imisebenzi. Izisebenzi zithola ibhonasi yokusayina ngokushesha nje lapho ziqashwa. Xoxisana ngesivumelwano sebhonasi sokusayina nomqashi wakho omusha uma ufisa ukuqasha.

Ibhonasi Yokudluliswa

Ibhonasi yokudlulisela ibona abasebenzi abakwazi ukuletha ithalente elisha enkampanini. Umsebenzi ube esethola ibhonasi ngokuqasha abasebenzi abaqeqeshiwe.

Nazi izindlela ezingu-6 zokusebenzisa ibhonasi yakho yomsebenzi kahle

Lungiselela kusengaphambili ibhonasi yakho uma ufaneleka ukuyizuza. Kufanele uhlele ukuthi uzoyisebenzisa kanjani imali eyengeziwe ukuze ufeze izinhloso zakho zezezimali.

1. Yehlisa isikweletu sakho

Sebenzisa amabhonasi owatholayo, kungakhathaliseki ukuthi awekota noma ngonyaka. Ungahlela ukwehlisa isikweletu ngebhonasi yakho, njengamabhalansi ekhadi lesikweletu kanye nemalimboleko.

Ibhonasi yomsebenzi iyindlela enhle yokusheshisa imizamo yakho yokukhokha izikweletu zakho. Thola indlela yokukhokha izikweletu zakho ezikuvumela ukuthi ufinyelele umgomo wakho.

Inketho eyodwa yokukhokha isikweletu i-snowball, ekuvumela ukuthi ukhokhe inani elincane kakhulu kuqala. Indlela yokukhokha izikweletu ze-avalanche igxile kuphela ezikweletini zenzalo ephezulu.

Unamandla okukhokha sonke isikweletu sakho ngamadola ambalwa engeziwe asuka kwibhonasi yakho.

2. Ibhonasi yakho yomsebenzi ingagcinwa

izindleko zokuphila Njengamanje bavivinya ezezimali zawo wonke umuntu. Nokho, ibhonasi yakho yomsebenzi ingakunikeza umcamelo owengeziwe owudingayo. Londoloza ibhonasi yakho ngezimo eziphuthumayo ezingazelelwe.

Ungakwazi ukwandisa ukonga kwakho okuphuthumayo ngokugcina ibhonasi yakho yokusebenza izinsuku zokuna. Imali yakho eyengeziwe ingasetshenziselwa ukukusiza ufinyelele umgomo omkhulu wezezimali.

Ingabe ufuna ukuthenga indlu noma imoto esikhathini esizayo esiseduze? Ibhonasi yakho ingasetshenziselwa ukufinyelela imigomo yakho yokonga esikhathini esizayo.

Ungakhulisa ukonga kwakho ngokuvula ibhange lokonga elinenzalo ephezulu. Ungathola inzalo ekongeni kwakho kwesikhathi eside.

Ukuze uthole inzuzo enkulu, cwaninga ama-akhawunti okulondoloza angcono kakhulu kanye nezilinganiso zawo zenzalo zamanje.

3. Ibhonasi yakho yomsebenzi ingaba utshalomali

Nomzala wakho, kuhle ukuqhubeka nokutshala imali kuwena. Ungaqala noma ukhuphule iminikelo yakho ku-401K (noma i-Roth IRA) ngemali eyengeziwe emholweni wakho owengeziwe.

Ukunikela esikhwameni sokutshalwa kwezimali ngomholo wakho owengeziwe kunezinzuzo eziningi. Iminikelo ku-401(K) yakho ayikhokhi ntela. Iphinde ihlanganise inzalo, ikuvumela ukuthi ubuke ibhonasi yakho ikhula ngayo el tiempo. Ibhonasi yakho yomsebenzi nayo ingaba nomthelela ekukhuleni kwephothifoliyo yakho.

Ukwandisa ukutshalwa kwezimali kwakho kukhokha inkathi yentela. Ungatshala ku-401(K), kodwa akufanele ukwenze ngenkathi yentela. Yehlisa imali engenayo ekhokhiswa intela ngesizini elandelayo yentela.

Ngakho-ke uma ufuna ukuqala ukwahlukanisa iphothifoliyo yakho usebenzisa ibhonasi yakho yomsebenzi, cwaninga izinhlobo ezahlukene zokutshalwa kwezimali. Kunezinhlobo eziningi zokutshalwa kwezimali okufanele uzicwaninge, njengezitoko, amabhondi, nezimali, kanjalo cryptocurrencies.

4. Nikela ngebhonasi yakho yomsebenzi

Ngemali eyengeziwe oyithola kwibhonasi yakho, zikhona ezinye izindlela zokubuyisela. Ibhonasi yakho yomsebenzi inganikelwa enhlanganweni noma enhlanganweni esiza abantulayo edinga usizo lwezezimali.

Ngemali yakho ongahlelanga ungenza umehluko futhi usize abanye. Lokhu kungakuvumela ukuba usize abanye abaswele. Qiniseka Noma yimuphi umnikelo omkhulu weminikelo owenzayo ungase ukhokhelwe ekubanjweni kwentela inkathi yentela

Ngezinjongo zentela, ungakhohlwa ukuqopha umnikelo wakho enhlanganweni esiza abampofu.

5. Yenza utshalomali olukhulu lomndeni wakho.

Ingabe unemigomo emikhulu yekusasa lezezimali lomndeni wakho? Ukuze uthole ikusasa elingcono lezezimali, sebenzisa ibhonasi yakho yonyaka ukutshala emndenini wakho. Ukuze ulungiselele izingane zakho ukuthi zingabi nazikweletu zasekolishi, ungase ucabangele ukudala i-akhawunti yokonga yasekolishi.

I-akhawunti yokonga yasekolishi engu-529b iyindlela enhle yokubekela eceleni imali yemfundo yesikhathi esizayo yezingane zakho.

Futhi, londoloza ibhonasi yakho yomsebenzi ukuze ukhokhele ukuthenga okukhulu. Yonga iholo lakho elengeziwe, isibonelo, ukuze usize ukhokhele indlu yakho yendlu. Ngeke wenze iphutha ngokubeka eceleni imali eyengeziwe ukuze uyitshale ekusaseni lomndeni wakho.

6. Qala ibhizinisi lakho, eceleni, noma uqale elilodwa.

Sebenzisa ibhonasi yakho yomsebenzi ukwandisa iholo lakho. Ungasebenzisa ibhonasi yakho ukuxhasa ngezimali ibhizinisi eseceleni noma udale inkampani entsha. Zitshale imali ukuze uthole izinsiza ozidingayo ebhizinisini lakho.

Kufanele futhi ubheke izindlela zokuthuthukisa amakhono akho. Ukuze uthuthukise ibhizinisi lakho eseceleni, sebenzisa ibhonasi yakho yomsebenzi ukukhokhela ukuqeqeshwa noma amakilasi. Ibhonasi yakho yomsebenzi ingakusiza ukuthi ulungiselele uhambo lwakho olulandelayo.

Ibhonasi yakho yomsebenzi ingasetshenziselwa ukufeza imigomo yakho yezezimali

Ungasebenzisa amabhonasi omsebenzi ukusheshisa izimali zakho noma ukufeza izinhloso zakho. Kodwa amabhonasi awakwazi ukuqinisekiswa kuwo wonke umsebenzi noma inkampani.

Ungabuza umphathi wakho ngamathuba ebhonasi emsebenzini uma ungaqiniseki ukuthi uyafaneleka yini. Sebenzisa amabhonasi onawo ukuze uthuthukise izinjongo zakho zezimali.