Kusamalira wachikulire ali ndi zaka zoposa 80. Zofunikira, kusamalira okalamba

Kusamalira munthu wachikulire zaka zopitirira 80 ndi kovuta kwambiri. Munthu amene ali ndi udindo waukulu wopezera ndalama za penshoni ayenera kukhala ndi luso komanso luso loyenerera, komanso mphamvu ya mzimu, makhalidwe abwino. Tiyeni tiyankhule za momwe maubwenzi oterewa amapangidwira, zomwe mukuganiza kuti mukuchita.

Ndani angasamalire?

Choyamba, tiyeni tikambirane yemwe angasamalire munthu wachikulire zaka zoposa 80. Thandizo silololedwa kutseka achibale, komanso kwa iwo omwe alibe ubale wina ndi ward. Kodi ndi zofunikira ziti zomwe zimaperekedwa ndi lamulo ladziko lathu kwa anthu oterewa? Makhalidwe apamwamba omwe woyang'anira ayenera kukhala nawo ndi awa:

• M'badwo wamtundu;
• Kulibe ntchito iliyonse yofunikira (kusamalira ndalama za penshoni kumatenga mbali yaikulu ya nthawiyo ndipo kumafuna kukhazikitsa nthawi zonse);
• Kulibe malipiro alionse kuchokera ku boma (mwachitsanzo, malipiro a ntchito omwe amalipidwa pamsinkhu wogwira ntchito).

Mvetserani kuti maziko a dziko lathu saloledwa kusamalira anthu angapo amene amawafuna, koma zochita siziyenera kuvulazana wina ndi mzake.

Kodi mlonda amalandira chiyani?

M'madera ambiri nthawi zambiri pali maganizo oti anthu akusamalira munthu wachikulire oposa zaka 80 chifukwa chofunafuna phindu lawo. Ndipotu, ntchito yotereyi siipereka ubwino uliwonse. Kuti phindu likhale lothandiza, kuphatikizapo kukwaniritsa malingaliro a khalidwe, wina akhoza kukhala:

• Kulimbana ndi akuluakulu ;
• Malipiro obwezeredwa a malipiro.

Malipiro a malipiro ndi malamulo a mawerengedwe awo

Kuchuluka kwa ndalama zomwe boma limapereka kwa munthu yemwe amasamalira penshoni ndizochepa kwambiri, sikutheka kukhalapo. Panthawiyi, kusamalira anthu okalamba kumawerengeka pa ruble 1200 pamwezi. Chiwerengero ichi ndi chomodzi pa dziko lonse, koma chikhoza kusintha malinga ndi zochitika zina za m'deralo. Komanso, ngati mutasankha kusamalira anthu owerengeka, ndalamazo zidzachulukitsidwa ndi chiwerengero cha alonda.

Ngati mwasankha kukhazikitsa chisamaliro cha munthu wachikulire, onetsetsani kuti mukuganizira kuti ndalama zomwe mwasungidwa sizinatayidwe, zimasamutsidwa monga gawo lina la penshoni. Pofuna kupeza ndalama zogwiritsira ntchito pokhapokha mutha kulandira ndalama zothandizidwa ndi wardyo ndikupatseni gawo limodzi (1200 rubles) kwa wothandizira.

Zolingalira za pempho

Chigamulo choyenera chobwezera malipiro chimatenga zaka 10 (masiku khumi), kukana kulipira kuli koyenera m'kanthawi kochepa, oimira Pulezidenti ya Pension akuyenera kulongosola chisankho cholakwika chomwe chatengedwa m'masiku asanu okha ogwira ntchito. Chonde dziwani kuti ogwira ntchito za boma sakufotokozera chabe kukana, komanso afotokozereni chifukwa chake chisankho ichi chatengedwa, chomwe chiyenera kuchitidwa kuti chisinthe.

Ndiyani winanso amene ayenera kusamalira?

Kusamalira achikulire okhawo sichikuchitika kokha ngati atakwanitsa zaka 80 ndipo alibe mwayi wokhala ndi moyo wabwino. Thandizo la wochokera kunja ndilofunikira kwa magulu otsatirawa:

• Zosowa za gulu loyamba;
• Ana osapitirira zaka 18 omwe ali olumala wa gulu lirilonse;
• Odala ndalama omwe adalandira lingaliro la katswiri wa zachipatala kuti amafunikira chisamaliro chapadera.

Mosasamala kanthu za mtundu uti wa otsogolera wanu ndiwo, kulembetsa kwa maubwenzi, kuphatikizapo ndalama zowonongeka, zikuchitika molingana ndi dongosolo, lachilengedwe.

Zikalata za kugonjera ku Ngongole ya Penshoni

Tiyeni tiyankhule za zomwe muyenera kuchita ngati mutasankha kuti mudzasamalira munthu wachikulire oposa zaka 80. Choyamba ndizofunika kugwiritsa ntchito ku Fund Pension. Kwa kulembedwa kwa maulamuliro onse ovomerezeka kudzakhala okwanira kuti akhale ndi munthu mmodzi wokondweredwa, pamabuku ambiri, kufotokozera zikalata zimapangidwa ndi munthu amene angasamalire anthu omwe amapereka ndalama. Kotero, ndi zipepala ziti zomwe ziyenera kuperekedwa kuti zisamalire anthu okalamba omwe ali okhaokha? Mndandanda wa zivomezi zoyenera zikuphatikizapo:

• Pasipoti ya ward (yoyambirira ndi mapepala a masamba oyambirira);
• Pasipoti ya munthu amene akukonzekera kusamalira (komanso choyambirira ndi chithunzi);
• Bukhu la ntchito ya munthu yemwe akukonzekera kusamalira (choyambirira, zojambula za mapepala ndi mbiri, chidziwitso chokhudza malo otsiriza ogwira ntchito ndi chidwi makamaka kwa antchito a boma );
• Mawu olembedwa mu kuchuluka kwa zidutswa ziwiri, wina kuchokera kwa trasti ndi kuchokera kwa munthu womusamalira (wotengedwa molingana ndi chitsanzo);
• Zopangira inshuwalansi - 2 ma PC. (Mmodzi kuchokera mbali iliyonse);
• Chidziwitso chotsimikizira kuti wosamalirayo sali pantchito yolemba ntchito ndipo salandira ntchito zopanda ntchito.

Kuthetsa ubale

Kodi ndi chifukwa chanji chomwe chikhomodzinso cha ndalama chochitira munthu wodwala okalamba chingathetsedwe? Ndipotu, pali zifukwa zambiri za izi, ndizotheka kuganiza zotsatira zomwe akutsogolera, popanda chidziwitso chapadera. Zofunikira kuti athetse mgwirizano pakati pa maphwando angakhale:

• Imfa ya munthu wosamalidwa kapena wa wosamalira;
• Kuchokera kwa ndalama kuchokera ku boma (penshoni, phindu lililonse);
• Malangizo a ward ku chipatala chapadera chomwe chithandizo ndi chisamaliro zidzaperekedwa;
• Kupeza ntchito yamalipiro ya mmodzi wa maphwando;
• Powasamalira ana olumala chifukwa cha kunyalanyaza ufulu wa makolo awo oimira malamulo;
• Kuchotsa chomwe chimapangitsa kufunika kosamalidwa kwina (kupindula kwa mwana wolumala wambiri, kusintha kwa mthupi la wodwalayo, kutha kwa nthawi yolemala ndi kusakhala kwina).

Ndi zofunikira ziti zomwe ziyenera kuchitidwa mu chisamaliro chotere?

Kuwonjezera pa kumvetsetsa mgwirizano wa mgwirizanowu ndi maulamuliro ambirimbiri, ndizofunika kudziwa zokhudzana ndi kusamalira okalamba. Zaka zolemekezeka zimafooketsa luso lawo ndipo nthawi zambiri zimakhudza thanzi. Kusamalidwa m'njira zambiri kumatanthauza namwino wosamalira. Mudzafunika:

• Thandizani khalidwe la ukhondo ndi ukhondo;
• Kugula ndi kukonzekera chakudya, zakumwa;
• Kugula mankhwala, komanso kuyang'anira kulandira kwawo ndi ward malinga ndi dongosolo la mankhwala operekedwa ndi katswiri;
• Chitani njira zosavuta zamankhwala (kuyerekezera ndi kujambula kwa kutentha, kuthamanga, kukakamiza);
• Gwiritsani ntchito ntchito zapakhomo (kuyeretsa, ngati n'koyenera, kutsuka ndi kusamba);
• Chitani zofuna zazing'ono za ward (mwachitsanzo, kutumiza makalata);
• Chitani zochitika zazing'ono ndi zosangalatsa (mwachitsanzo, kuwerenga mokweza).

Njira zothandizira okalamba ndi olumala

Kodi ndi koyenera kuti mukhale ndi maphunziro azachipatala kuti muzisamalira mwana wanu? Chofunikira choterocho sichikhazikitsidwa mwa njira yokhazikitsira malamulo, kutanthauza kuti aliyense amene akufuna angachite ntchitoyo. Tiyenera kukumbukira kuti mudakali ndi chidziwitso ndi luso. Mu moyo wa tsiku ndi tsiku, munthu amene amasunga chikhalidwechi ayenera kukhala ndi lingaliro ndi kupeza njira zotere zosamalira okalamba monga:

• Mapepala akuluakulu ndi azinyalala zosowa;
• Mankhwala omwe ali ndi tizilombo toyambitsa matenda ndi anti-inflammatory effect;
• Njira zothandizira njira za ukhondo;
• Zakudya ndi machitidwe ena ofanana ndi cholinga (chofunikira kwa odwala a pabedi);
• Njira ndi zipangizo zothandizira kuchepetsa ndi kuchepetsa bongo (komanso odwala ogona).

Maubale ogwirizana

Monga mukuonera, kusamalira gulu lina la anthu kumafuna khama lalikulu. Ndili odwala omwe ali pabedi, anthu omwe angafunikire kusamaliridwa ndi mlonda nthawi iliyonse ya tsiku. Osati wothandizira aliyense amavomereza kuti azikhala nthawi zonse ndi ward yake, chifukwa chake achibale ambiri amasankha kukhazikitsa mgwirizano wosamalira wachikulire mwa kuika anamwino aumishonale. Chigwirizano pakati pa maphwando chikhoza kukhazikitsidwa osati pa nkhaniyi. Ambiri omwe amapita ku penshoni amatha pamodzi ndi othandizira mgwirizano wogula kapena kubwereka, motero amadzinyenga okha, ndipo chipani chachiwiri chimachokera ku mphamvu iliyonse. Nthaŵi zambiri munthu wachikulire amasankha kulemba mgwirizano wa lendi, akulonjeza kuti adzasamutsa katundu wake (pambuyo pa imfa) kwa munthu amene adzamusamalira.