Ukubaluleka kweNkcazo yeNzuzo yeMashishini
Iintombi zeSteve
USteve ungumnikazi weentyatyambo zeentyatyambo ezibizwa ngokuthi i-Steve's Flowers. USteve usebenzisa ivenkile yakhe kwindawo yokurhweba ahlala kuyo.
Ingeniso yevenkile itholakala ngokupheleleyo kwiintengiso zentyatyambo. USteve uthenga iintyatyambo kwiintlobo zabathengisi kwaye uthengisa kubo abathengi abathengisa. Uthengisa iintyatyambo kwezinye iindawo kunye namanye amalungiselelo.
Iintlanzi zikaSteve zineendawo zomsebenzi emva kwesevenkile exhotywe nge-walk-in friji. Ukuhamba-kusetshenziselwa ukugcina iintyatyambo ezininzi kunye namalungiselelo agqityiweyo. Ivenkile nayo inendawo yokuthengisa abathengi. Le ndawo inesiqhumiso esisetyenziswa nguSteve ukubonisa amalungiselelo amancinci.
Intengiso yeentyatyambo kaSteve ichitha ininzi yemali engenayo kwimpahla (iintyatyambo, izitya, iirebhoni njl njl.), Irente, i-payroll kunye nezibonelelo. Imali engenayo kaSteve ingama-dollar 600 ngosuku. Uchitha umyinge wama-$ 400 ngosuku malunga nerenti, izibonelelo, ukuhlawula, iintyatyambo nezinye izinto ezifunekayo zoshishino. Ivenkile ifumana inzuzo ye-pretax ye-$ 200 ngosuku, eyamkelekileyo kuSteve. USteve uqinisekise ivenkile yakhe phantsi komgaqo-nkqubo wepropati .
Umgaqo- nkqubo awubandakanyi umvuzo wezorhwebo okanye ukukhutshwa kweendleko ezongezelelweyo .
Ukulahlekelwa nguSteve
Ngelinye ilanga, ingqungquthela ibetha edolophini, ilimaza ivenkile yeSteve. Isakhiwo asinakusetyenziswa. Iifriji ziphelile. Ingaphakathi levenkile lonakaliswe kwaye zonke iintyatyambo ziye zatshatyalaliswa. USteve uthumele ibango kwi-insurer yakhe yepropati.
Kwiintsuku ezimbalwa kamva, umququzeleli we- inshurensi uvela ukuhlola umonakalo. I-adjuster ibhekisela kuSteve kwintrakarenti onokwenza ukulungiswa. Emva koko ubeka isheke ukwenzela ukuba uSteve angathatha indawo yefriji ezilahlekileyo.
Xa uSteve edibanisa nomthengisi wezinto zokusebenza, ufunda ukuba iifriji ziyanzima ukuza ngenxa yesiqhwithi. Umthengi wakhe uya kunika izixhobo ezitsha, kodwa akuyi kufika iiveki ezimbini. Uva iindaba ezimbi ezivela kwikontrakta. ISikontrakta asikwazi ukuqala ukusebenza kwivenkile kaSteve iiveki ezintathu. Ukulungiswa kuya kuthatha iveki. Ivenkile yeSteve ingavalwa kwinyanga.
Ininzi (kodwa ingeyo yonke) yeendleko zikaSteve iya kuqhubeka emva kwentlekele nangona ishishini lakhe livaliwe. USteve kufuneka ahlawule irente kunye nezinto ezisetyenziswayo. Ukuze agcine isivumelwano sakhe seentyatyambo, uSteve kufuneka abeke umyalelo omncinci kunye nomthengisi wakhe. Iintlanzi zikaSteve ziquka ama-dollar 300 ngosuku ngeendleko nangona ishishini lingavelisi nayiphi na ingeniso. Oku ku-$ 9,000 ngenyanga ngeendleko. Xa iseshishini liphinda liphinde liphinde liqhube, kuya kufuneka livelise inzuzo ngeenyanga eziliqela ukwenzela ukufumana imali engenayo.
Umvuzo Wentengiso
Ngoku iintsuku ezingama-30 kamva. USteve akazuzanga imali engenayo (inzuzo yentlawulo phambi kwentlawulo yengeniso) ngelixa ivenkile yeentyatyambo ivalwe.
Ibhizinisi liye lafumana i-$ 9,000 kwiindleko eziqhubekayo ($ 300 ngosuku ngamaxesha 30). Ukuba ingqungquthela yayingenakwenzeka, ivenkile yayiya kuba nenzuzo enetyenzi yee-6,000 zamaRandi (ezingama-200 zamaxesha ngosuku ngeentsuku ezingama-30). Ngenxa yesiphango, iStend's Flowers ilahlekelwe yintlawulo ye-$ 15,000 (i-6,000 zamaRandi kwintlawulo elahlekileyo kunye ne-9,000 kwiirhafu eziqhubekayo). Ngaba uSteve wathenga i- inshorensi yengeniso yezoshishino , ilahleko layo eli-$ 15,000 eliye lafunyanwa.
Qaphela ukuba ezinye iifom ze ngeniso zoshishino ziquka uhlobo lokutsalwa kwexabiso elibizwa ngokuba lixesha lokulinda. Ixesha elilindelekileyo lokulinda liiyure ezingama-72. Isikhathi sokulinda seentsuku ezi-3 singanciphisa intlawulo yeStefe yokulahlekelwa kwemali malunga ne-$ 1,500.
Umlinganiselo woNycitho
Masithi ukuba yimini emva kwenkwenkwezi. Umthengisi weentyatyambo kaSteve akachaswanga yiqhwithi. Ukususela ekubeni uSteve usenako ukufikelela kwientyatyambo, unquma ukurenta indawo kwenye indawo apho kufuneka asebenze khona ishishini lakhe okwethutyana.
Uya kusebenzisa indawo enye kuze kube yindawo yakhe yokuhlala isigxina. USteve uhambisa ezinye izinto eziye zasinda kwintanyantsi ukuya kwindawo yesikhashana. Uhlawula ifriji, uthengisa izinto ezithile, kwaye uphuma kwaye usebenza phakathi kweentsuku ezimbalwa.
Ukuba uSteve uthenge i-coverage eyongezelelweyo yendleko, iindleko azenzileyo ukuqhuba ishishini lakhe kwindawo yesikhashana ziza kuhlanganiswa. I-inshorensi yakhe yayiza kubandakanya oku kulandelayo:
- Iindleko zokurenta isakhiwo sexeshana
- Iindleko zokuqeshisa ifriji yesikhashana
- Iindleko zokufudukela kwindawo yesikhashana, kunye neendleko zokubuyela kwindawo yakhe esigxina emva kokuba ukulungiswa kugqityiwe
- Iindleko zokubonelela ezifunekayo ukuqhuba ibhizinisi kwindawo yesikhashana
Gqi beleni
Nangona iimeko ezichazwe apha ngasentla zigqithiseleyo, zibonisa ukubaluleka kweengeniso zoshishino kunye neengxelo zeendleko ezongezelelweyo. Ezi ngxelo ziyakuthintela ibhizinisi elincinci ukuba lingaphumeleli emva kweentlekele . Ibhizinisi elingenayo le mibalelwano inokungaphumeleli nangona ikhushulwa ngokulahlekelwa ngumzimba phantsi komgaqo-nkqubo wepropati.
Inqaku elihlelwe nguMarianne Bonner