Nokuba izifundo ifakiwe omkhulu ukulungiselela umhlala-phantsi?

Pension accrual ka wonke ummi kuxhomekeke ixesha uye wasebenza ebomini bakhe. Kwaye okukhona kunongeno sidlula ubude ubuncinane nkonzo, i-accrual pension ephakamileyo. Kwaye yinxalenye yamava yomsebenzi nokuba isifundo? Ngapha koko, kukho abemi ngubani na ukunikela phantse yonke yokufunda ubomi bakhe.

akuso

Phantsi omkhulu kwi-mthetho athetha ixesha yokusebenza lilonke okanye omnye umsebenzi luncedo ekuhlaleni yomqeshwa. Lo mqondo sisiseko ukuvela ilungelo accrual pension, iiholide, imali lokukhubazeka okwethutyana, kwaye kwezinye iimeko ukuba iholo.

Uxwebhu oluphambili ezinokuthi ukuqinisekisa ubukho yezikhundla, luhlobo yerekhodi yengqesho. Ngoko ke kubaluleke ngokukodwa ukuba ukugcina kakuhle ze ugcwalise uxwebhu.

iintlobo

Iindidi eziphambili amava emsebenzini ziquka:

1. Lilonke. Olu hlobo kunxulumene onke amaxesha zomsebenzi kunye neminye imisebenzi, kwakunye iiphiriyodi kubonisiwe ngumthetho. Ixesha ixesha lilonke akuxhomekekanga kuhlobo lomsebenzi, izizathu ukutshintsha indawo yomsebenzi, kwakunye ngoonobangela esidlo phakathi imisebenzi. Ukubala amava injalo indlela wekhalenda.
2. Special. Olu hlobo ibandakanya eyona mali lilonke ixesha lokuba ngummi uye wasebenza kumacandelo athile ezoqoqosho okanye iinkalo zezinto ezenziwa. Uluhlu imisebenzi enjalo kunokuba mxinwa kwaye kulawulwa imigaqo ekhethekileyo.
3. Oluqhubekayo. ixesha Ngenxa leyo emiselwe umsebenzi ngaphandle kokuphazanyiswa kwimisebenzi yeshishini elinye. Kwakhona, amava uthathwa ukuba rhoqo xa ngaphantsi kwe kwenyanga kudlule phakathi ukutshintsha emsebenzini.
4. Insurance. Ixesha apho umqeshi waqhuba sengigqi yomqeshwa mali yawo yomhlala phantsi.

Yiyiphi kubandakanya ulwazi

Nokuba izifundo ifakiwe amava emsebenzini, ukufunda, ukuhlalutya nini, loluphi uhlobo lwemisebenzi wywnziwayo iquka amava. Ngokutsho umthetho ngayo ubandakanya:

1. emisebenzi esemthethweni.
2. Bhalisa nje ngumrhwebi labucala.
3. Ingqesho inkonzo kamasipala okanye karhulumente.
4. Ikhefu lokuya kubeleka (kulo mzekelo kwimali ukhathalelo umntwana ukudlula iminyaka emithandathu).
5. Inkonzo kwi emkhosini.
6. ixesha lokukhubazeka kwexeshana ukuba iintlawulo zenziwa ngaphakathi sikhokelo lokhuseleko loluntu.
7. ixesha entolongweni.
8. Ithuba unonophelo ukuba umntu abakhubazekileyo.
9. Ixesha kokufumana intlawulo ngemali ezinkozo ubhaliso kwi exchange yabasebenzi.

Njengoko kubonakala ukusuka kuluhlu, ukuqukwa yezikhundla zokufunda ezikhoyo. Noko ke, imfundo ephakamileyo Nelezamakhaya iya kufakwa aphezulu.

ixesha elipheleleyo

Abanye abemi ngokohlobo omigudu kwirekhodi bafunde kwisikolo samabanga aphakamileyo. Kulo mzekelo, nokuba izifundo ezibandakanywe omkhulu? No. imimiselo ezikhoyo bathi ukubalwa kumhlalaphantsi kunye nokuzimisela kwabo accruals pension abhalwa kuphela ngexesha emsebenzini kunye neminye imisebenzi, apho waya transfers-mali yomhlalaphantsi.

Education, nokuba ngummi lifumene imali akuthethi ukunika igalelo-inshorensi, ngoko ke uqeqesho bexesha elizeleyo akufunekanga kuqukwa amava emsebenzini.

Ukuba umfundi zokufundisa bexesha elizeleyo wathabatha umsebenzi ngokusesikweni, wenza naye isivumelwano sengqesho yaye wahlawula kuye umvuzo apho umqeshi utsala iipremiyamu, kule meko phando ibandakanyiwe ngubani omkhulu.

umthetho Russian uvumela ukuqala umsebenzi xa eneminyaka eli-14, ngoko ke iminyaka kwisikolo samabanga aphakamileyo nga kuqwalaselwa kwi ngubani omkhulu.

ukufunda ngembalelwano

Ngokwayo, uqeqesho ngembalelwano singabandakanyi naziphi na iintlawulo, ke ngoko, ngeli xesha azithathelwa ngqalelo xa kubalwa aphezulu. Kodwa ukufunda kunye amava emsebenzini iya ukuzisonga ukuba ngummi ngexesha Umgama ekufundeni baya kuqeshwa ngokusesikweni. Oku kusebenza kwixesha xa uqeqesho lwenzeka ngaphandle kokuphazanyiswa ukusuka kowona msebenzi. Umqeshi inika umfundi imisebenzi nje kuphela, kodwa bonke sithembele amalungelo ngohlobo umvuzo, iholide, abagulayo, kwaye ukukwazi ukuba ushiye iseshoni iholo.

Kulo mzekelo, ngethuba uqeqesho abasebenzi igalelo kwingxowa-mali yomhlalaphantsi. Ngoko ke, nokuba ukufunda yinxalenye yezikhundla kule meko? Ewe, sahlanganisa. Ngoko ke uya ngaxeshanye kunye nomsebenzi.

WeMfundo emva kwisikolo samabanga aphakamileyo

Ngokutsho Federal koMthetho №125, imfundo isidanga, ezizezi ikhondo isidanga, loo nto ithathwa luhlobo zoqeqesho. Ngoko ke, abemi kwimfundo ephakamileyo ungaya kufunda esikolweni abanezidanga njengoko ixesha elizeleyo yaye isebe nembalelwano. Kwaye phambi kokuba ndafumanisa ukuba yokuba izifundo ababalwa amava emsebenzini. Ngoko ke, ukuze ufumane iposi-ukubunjwa ndawo ayisebenzi, ummi akakwazi ukubala ku aphezulu. Kukwasebenza kwanjalo kuyo yokuhlala. Kucingwa yinxalenye yokufundisa kwaye wahlukile emsebenzini.

Kodwa isifundo idityanisiwe omkhulu kwimeko internship. umthetho wakhe olawula indlela ezikhethiweyo afunyenwe emva kokuba isikolo aphezulu kulo nyaka. Interns babelwa kule ndawo ugqirha intloko. Isiseko umsebenzi umyalelo ukwamkelwa yoqeqesho. Ngako oko, umvuzo intern ibalwa kwaye kuxhuzulwa ngumqeshi ngegalelo lakhe mali yepenshoni elizayo.

Bafundi kufuneka athobele kwishedyuli yabasebenzi yangaphakathi, zonke sithembele iinzuzo ukuba unalo bonke abasebenzi bezonyango. Ngenxa yoko, kwimeko yokufunda internships yayiquka omdala kwaye iyinxenye yomsebenzi. Eli xesha kufuneka ithathelwe ingqalelo xa kubalwa inkamnkam.

Zoqeqesho ziyaqhubeka kumaziko ezizodwa emfundo ephakamileyo kunye nobude inkonzo

Okokuqala, cinga ngubani onelungelo accrual pension yezikhundla:

• umntu oye wafumana ukugxothwa yemini iminyaka engama-45 ubudala;
• Umntu ogama ubude zenkonzo lingaphezulu engama-25;
• umntu amava, inkonzo umlilo emkhosini, inkonzo Kubulungiseleli Interior, kwakunye namaziko yenkqubo yamabanjwa yiminyaka 12.5.

I-Ofisi yoMphathiswa kweekholeji Internal Affairs kwamkelwa zicelo abangaphantsi kweminyaka eyi-25 ubudala kwaye emfundo aphakamileyo okanye neyobugcisa. Xa iifizi zezifundo Kubulungiseleli Interior, kunye abatsha kukho isivumelwano ombophelela ukuba baqhube inkonzo follow-up ubuncinane iminyaka emihlanu.

Ngaphambili, umthetho simisela ukuba izifundo ezizodwa ziqukwe omkhulu, oko kulinganiswa ne uqeqesho emsebenzini, kwaye, ngenxa yoko, amava ethe.

Namhlanje, abafundi Nelezamakhaya engagqibekanga yayingeyonxalenye kumagosa zokunyanzelisa umthetho, ukuba ezinye iingenelo MUP, yaye emva kokuphumelela zifumana isibizo ubanika ilungelo lokuba babe namava omsebenzi ngoxa befunda.

Uqeqesho kwiziko yoluntu kunye nobude inkonzo

Education, ibanjwa kwiziko loluntu kwiindawo academic of Internal Affairs, into mandatory yezikhundla ukuba umfundi. Kodwa ukuba uqeqesho lwenzeka kwiindawo zoluntu, ekubaleni apha yahluke kakhulu. Ubude nkonzo kule meko iya kubalwa uqeqesho iinyanga ezimbini njengoko kwinyanga enye inkonzo. Elona xesha lininzi sifundo, nto leyo iza kubandakanywa na ubude yenkonzo, yiminyaka emihlanu.

Yintoni enika amagosa reserve okanye ngoonogada ababhinqileyo izifundo oluntu kweli ziko? Akuso (okanye ukuxatyiswa) kule meko ibalwa ngale ndlela ilandelayo: amagosa ezichongiweyo kwi inkonzo lestokhwe kunye namagosa ababhinqileyo abangekho stock, angene yezikhundla iinyanga ezintandathu zomsebenzi unyaka omnye zokufunda. Ilungiselelwe ukuba kwiyunivesithi yoluntu, apho uqeqesho kwenzeka, baba iSebe kuqeqesho lwasemkhosini.

Kuqukwa akuso, yaye ngoko ke omkhulu iya kubandakanya iminyaka yoqeqesho, umntu lowo ababhalise eyunivesithi ezizodwa yasemkhosini de lokuthweswa.

Ziziphi izigqibo ntoni? Noqeqesho ngokwalo njengoko imini kunye nembalelwano, ayiqukwanga kwi omkhulu, yaye eli thuba ixesha azithathelwa ngqalelo xa kubalwa inkamnkam. Kodwa ukuba kwisithuba loqeqesho umfundi yaba engqesho esesikweni, kuyo ziza kugqitywa ngokuzenzekela kuwa yezikhundla, njengomqeshi ukuhlawula izavenge ze-inshorensi kwi Pension Fund. Isithuba ekhethekileyo Nelezamakhaya ukuba abafundi kumaziko ezizodwa. Apha ke uqeqesho yinxalenye wokuba ngubani omkhulu.