Mafunso Omwe Amagwira Ntchito Amene Ogwira Ntchito Amafunsa Phindu
Zopindulitsa za ogwira ntchito zingakhale nkhani zovuta kwa munthu aliyense wogwira ntchito, ngakhale mutalowa nawo kangapo pazaka. Chifukwa cha izi ndi chifukwa inshuwaransi yapamwamba komanso antchito amapindula misika. Chaka chilichonse, zofunikira zatsopano zimatuluka, masiku olembetsa amafupikitsidwa, ndipo zosankha za magulu zimakhala zovuta kuzidziwitsa. Ndi chifukwa cha zifukwa izi kuti talemba mndandanda wa mafunso omwe anthu ambiri amafunsa omwe anthu ogwira ntchito amakhala nawo phindu lawo.
Kodi ndi mitundu yanji ya mapindu a ogwira ntchito omwe ndikuyenera kukhala nawo?
Mitundu ya antchito omwe amapindula omwe alipo kwa anthu ogwira ntchito sakhala opanda malire, koma abwana ambiri amafunika kupereka chithandizo chochepa pansi pa Chithandizo Chachidwi Choyenera. Izi zimaphatikizapo inshuwalansi ya umoyo, kufalitsa mankhwala, ndi ubwino wa mano kwa ana. Zopindulitsa zina zonse zimaperekedwa ndi olemba ntchito omwe akufuna kulimbikitsa ubwino wa antchito awo, motero amayenera kuyang'ana. Izi zikhonza kukhala zopindulitsa pafupipafupi monga masomphenya, ndalama zosungirako ndalama, inshuwalansi ya moyo, inshuwalansi ya nthawi yayitali komanso yalemale, kulembera phindu, kulandira phindu, ndi zina zambiri.
Palinso ndondomeko yowonjezera yopindula yomwe antchito amatha kulipirira, koma pazicheperetsedwe za gulu, kuphatikizapo galimoto ndi eni inshuwalansi inshuwalansi, chisamaliro cha khansa, inshuwalansi ya chipatala, zothandizira inshuwalansi ya moyo, zosankha zogula katundu, ndi ena.
Potsirizira pake, ubwino wambiri omwe antchito amasangalala nawo amalipidwa mokwanira ndi olemba ntchito, ndipo angaphatikizepo nthawi yolipira (tchuthi, odwala, ndiumwini), mapulogalamu ogwirira ntchito ndi ogwira ntchito, omwe amawoneka ngati ntchito yamasitomala komanso zakudya zaulere, zochitika, maphunziro ndi chitukuko, maphunziro obwezeretsa maphunziro, ndi zina zambiri.
Phunzirani za zosowa zomwe antchito akufunikira pano
Ndichifukwa chiyani ndikufunika kulembetsa phindu la antchito ndikakhala wathanzi?
Zingamveke ngati zodziwika kuti ngati wina ali wathanzi, ndiye bwanji kugula inshuwalansi ya thanzi? Koma, izi zikufanana ndi kuganiza, ngati ndine woyendetsa bwino, bwanji ndikugula galimoto inshuwalansi? Choyamba, pansi pa ACA, ogula ayenera kugula inshuwalansi ya umoyo kapena kutenga nawo mbali pulogalamu ya kugawana ndalama, kapena adzakumane ndi chilango cha msonkho. Chachiwiri, kukhala ndi inshuwalansi ya umoyo kumapangitsa ogula kupeza njira zothandizira chithandizo chamankhwala zomwe zimapewa mavuto omwe asanakhale oopsa kwambiri.
Osachepera, ogula amafunikira inshuwalansi yothandiza inshuwalansi powaphimba chifukwa cha matenda oopsa kapena ngozi zomwe zingawonongeke aliyense mwachangu ndi opaleshoni yaikulu kapena kuchipatala. Mtendere wa m'maganizo ndi chitetezo cha ndalama ndizofukwa zokwanira zolembera phindu.
Ndingadziwe bwanji mtundu wa antchito omwe ndikufunikira?
Ili ndi funso laumwini, malingana ndi zosowa zanu zosiyana ndi moyo wanu. Munthu aliyense ali ndi udindo wopindulitsa yekha, kupatulapo ana ang'ono omwe amafunikira makolo awo kuwasamalira. Kuti muyankhe funso ili nokha, dziwani kuti ndizochitika ziti zaumoyo zomwe mungathe kuchita nawo chaka chomwecho.
Mukhoza kuyang'ana kumbuyo, mbiri ya umoyo wanu, nkhawa zanu za msinkhu zowunikira zomwe mungafunike, ndi chithandizo chamankhwala chamakono chomwe mumalandira. Mudzayang'ananso pazinthu zina, monga momwe bajeti yanu imayendera pamwezi wamwezi uliwonse komanso kunja kwa ndalama.
Kodi muli ndi zolinga zapadera zathanzi zomwe mungakwanitse chaka chino? Mutha kusankha chisankho chomwe chimaphatikizapo kupeza zotsalira zothandizira kutaya thupi, mapindu olimbitsa thupi, kapena mapulogalamu oletsa kusuta. Ndiye pali zofunikira zalamulo. Mukufunikira dongosolo la chisamaliro limene limakwaniritsa zofunikira za ACA.
Werengani zambiri za kusankha zabwino zomwe mukufunikira pano
Bwanji ngati ndikungofuna chithandizo cha chithandizo chamankhwala kwa odwala anga?
Kawirikawiri amalimbikitsidwa kuti ngati kampani yanu ikupereka madalitso a magulu a gulu, ndiye kuti mukhoza kuwonjezera ndalama zanu mwa kulembetsa ndondomeko yowunikira banja.
Komabe, pogwiritsa ntchito kukula kwa banja lanu, ndalama zanu, ndi zaka za ana anu - mukhoza kupeza ndalama zothandizira inshuwalansi kwa iwo okha. Ena amanena kuti amapereka ndalama zambiri kwa makolo ogwira ntchito omwe amafunikira thandizo labwino kwa ana.
Ndikalembera liti pantchito yanga yopindula kuntchito?
Muyenela kuyang'ana ndi woimira wanu wogwira ntchito kuti mudziwe za ntchito zomwe antchito angapeze, ndipo ngati muli oyenera kulembetsa ndondomeko. Bungwe lirilonse likhoza kukhala ndi malamulo kuzungulira nthawi yaitali mpaka antchito atsopano ali oyenerera kapena mpaka nthawi yotsatira yolembetsa ikuyamba. Izi zikhoza mwina kapena sizinakufotokozereni pamene mudayambe ntchito yanu, kapena chidziwitsocho chingakhale chophatikizidwa m'buku la antchito anu.
Mulimonsemo, bwana wanu angayambe kuwuza antchito pamene nthawi yowunikira maphunziro amapita ndikutha, kotero samalirani izi. Izi zikhoza kubwera nthawi ina kumapeto kwa chaka chachuma kwa kampani yanu (kumapeto kwa chilimwe) kapena pafupi ndi mapeto a chaka pokonzekera dongosolo lotsatira chaka (November mpaka December).
Ngati ndingapeze madalitso atsopano, ndiyenera kusintha osamalira chithandizo chamankhwala?
Izi ndizopwetekedwa kawirikawiri pakati pa anthu ogwira ntchito, chifukwa nthawi zambiri amagwirizana ndi dokotala wokondedwa kapena gulu lachipatala. Uthenga wabwino ndi wakuti makampani ambiri a inshuwalansi amagwira ntchito ndi mabungwe akuluakulu othandizira zaumoyo m'madera ndi dera lililonse. Choncho, ndondomeko yaumoyo yomwe inakuthandizani kuti mupite kukaonana ndi dokotala kapena chipatala ena ikhoza kutha, koma kulumikizidwa kwanu kwatsopano kudzakupatsani inu chisamaliro chomwecho.
Njira yabwino yolembera musanayambe kulemba ndondomeko yapadera ndikuyendera webusaiti ya administrator ndikuyang'ana mwamsanga kwa opereka chithandizo chaumoyo wanu. Mungathenso kuyitanitsa mwiniwakeyo mwachindunji ndikufunsa ngati avomereza mapulani a inshuwalansi omwe mukuperekedwa kuntchito. Nthawi zambiri, amavomereza inshuwalansi yanu yatsopano popanda mavuto.
Kodi ndingapange kusintha kwa antchito anga opindula posankha - ngati zili choncho, motani?
Inde, n'zotheka kusintha kusintha kwanu. Pali njira zitatu zomwe wothandizira inshuwalansi amatha kusintha. Yoyamba ndi nthawi ya kusintha kwa ntchito ndikupatsidwa chidziwitso chatsopano. Kawirikawiri, mudzakhala ndi masiku angapo mutatha nthawi yanu yovomerezeka kuti musinthe kusintha kwanu ndikulembetsa pulogalamu yatsopano. Izi zikhoza kukhala zosiyana ndi abwana, koma zingakhale mkati mwa masiku oyambirira 30 mpaka 90 pa ntchito.
Nthawi yachiwiri yomwe mungapange kusintha pazondomeko zopindula ndi nthawi yolembera kuntchito kwanu. Nthawi yolembera kawirikawiri imalengezedwa ndi kampani kamodzi kapena kawiri pachaka, panthaŵi yomwe ogwira ntchito onse oyenerera angathe kulembetsa kapena kubwezeretsanso m'gulu lawo phindu la chaka chomwe chidzachitike. Ogwira ntchito angasinthe malingaliro awo, monga kuwonjezera kapena kuchotsa wodalirika, kupititsa patsogolo kukonzekera ndi phindu lochepa, kuwonjezerapo zopindulitsa, kapena kusintha njira zonse pamodzi.
Nthawi yachitatu yomwe mungapange kusintha pakukonzekera kwanu ndi pamene inu kapena mnzanuyo muli ndi zochitika zokhutiritsa moyo wanu. Chochitika choyenera cha moyo chingaphatikize kuwonongeka kwa ntchito chifukwa cha kusintha kwa ntchito kapena kutha, kubadwa kwa munthu wodalira, kulandira mwana, kusudzulana kapena ukwati, kukhala nzika ya US, ndi kusamukira ku dziko latsopano lomwe Ndikupatsani dongosolo lanu lamakono. Pali zinthu zina zowonjezereka zomwe zimapangitsa kusintha kwa phindu, choncho onetsetsani kuti muyang'ane ndi deta yanu yothandiza anthu kuti mudziwe zambiri.
Mutha kuwerenga zambiri zokhudza zochitika zokhudzana ndi moyo pano
Ngati bwana wanga sakupereka phindu langa, ndingapeze kuti thandizo?
Ngakhale abwana omwe ali ndi antchito 50 kapena ochuluka ayenera kupereka mwayi wopezeka kuntchito zothandizira pazinthu zofunikira pa ACA, izi sizikutanthauza kuti mapulani operekedwa adzakhala okwanira. Ngati mukupeza kuti mukukumana ndi mavutowa, pali zina zomwe mungachite.
Choyamba, konzekerani msonkhano ndi phindu lotsogolera kuntchito kwanu ndikukambirana za zosowa zanu. Pali mwayi waukulu kuti kampani ikhoza kukugwirizanitsani ndi zopereka zaufulu zomwe zingakhale ndi zina zomwe mungasankhe kudzaza mipata. Kapena mungakhale oyenerera kuti mugulitse ndondomeko yanu yomwe mumasankha ndikugwiritsa ntchito mwayi wopereka chithandizo, komwe abwana anu amakupatsani ndalama zowonjezera ndalama zomwe mumalipirako kuti mupereke ndalama zowonjezera chaka chilichonse.
Chachiwiri, mungathe kuwonetsa malo amsika pamsika (ngati dziko lanu likugwira nawo ntchito) ndikugula malonda a inshuwalansi apa. Tumizani uthengawu kwa abwana anu kuti mubwerere. Malingana ndi kukula kwanu kwa banja, mungathe kupeza ndalama zothandizira boma kuti muthe kulipira malipiro anu a inshuwalansi. Kapena mungakhale oyenera kulandira chithandizo chamankhwala, monga Medicaid.
Pomalizira, mutha kutenga nawo mbali pulogalamu ya kugawa ndalama kapena pulogalamu yachinyengo yomwe mungathe kulipira mlingo wapafupi pa mwezi ndikupeza maofesi otsika kwambiri. Palinso ndalama zochepa zopindulitsa zomwe zilipo pamagulu a gulu, chifukwa zinthu monga mazinyo ndi masomphenya, zolemba, ndi zina. Izi zingachepetse zotsatira za bajeti yanu.
Ngati ndimagwira ntchito yochepa kuposa nthawi yonse, kodi ndingapezenso zopindulitsa kudzera mwa abwana?
Chiŵerengero chowonjezeka cha olemba azindikira kuti ogwira ntchito nthawi imodzi amafunikanso kupeza chithandizo chaumoyo. Malinga ndi ndondomeko ya kampani yanu pa izi, mukhoza kukhala ndi mwayi wothandizira magulu a gulu ngati mukugwira ntchito zochepa kuti maola 40 pa sabata. Fufuzani ndi dipatimenti yanu yothandiza anthu kuti mudziwe zambiri. Ganizirani kuti makampani nthawi zambiri amapereka zopindulitsa zambiri kwa ogwira ntchito onse omwe amagawana timers angapindule nawo - monga nthawi yolipira, nthawi yodwala, kukonzekera kusintha, ntchito zapadera, mabhonasi, mapulogalamu abwino, zakudya zaulere ndi zakumwa, ndi zopindulitsa zapamwamba.
Mukhozanso kuwerengera za phindu la nthawi imodzi ndi antchito osakhalitsa pano
Kodi ndingasankhe bwanji pakati pa phindu limene abwana anga amapereka potsatsa malonda?
Pamene mumagula malonda a inshuwalansi, ndifunika kuti muyang'ane mosamala za ubwino ndi malingaliro omwe amapatsidwa ndi abwana anu komanso omwe akupezeka kudzera mu njira zina - monga malo amsika. Akatswiri ambiri amawunikira kuti awone zomwe akukonzekera komanso malingana ndi malonda a inshuwalansi asanatsegulidwe, zomwe zingawathandize kuti adziwe zambiri. Nthaŵi zambiri, gulu limapindula zolinga zidzakhala zitatu, zomwe zikutanthauza kuti mudzatha kusankha ndalama zomwe mungathe kuzigwiritsa ntchito komanso zomwe simungakwanitse.
Nawa njira zina zabwino. Sankhani ndondomeko yomwe imapereka malipiro ochulukirapo, omwe ali ndi ndalama zochepa kwambiri pachaka, komanso malipiro ochepa kwambiri a mwezi uliwonse omwe muyenera kulipira. Kumbukirani kuti ngati mutagula inshuwaransi ya umoyo wanu pamsika, mukuchita zimenezi ndi malipiro omwe atha kulipira msonkho. Ngati mugula ndondomeko ya inshuwalansi ya umoyo wanu kupyolera mwa abwana anu, zochepa zimatengedwa misonkho isanafike, zomwe zikutanthauza kuti gawo lanu ndilochepa.