Abantu abaninzi abathembele kwiofisi yasekhaya abaqwalasele le mibuzo.
Ngenxa yoko, i-ofisi yabo ingaxhaswanga okanye ayixhaswanga. Eli nqaku liza kucacisa ukuba kutheni umgaqo-nkqubo wezindlu oqhelekileyo ungenako ukubonelela ngokufanelekileyo i-ofisi yakho yasekhaya.
Policy Owners Policy
Abaninzi abanini-shishini abasebenza kwiofisi yasekhaya bacinga ukuba umgaqo-nkqubo wabo womnini uya kubakhusela naliphi na impahla okanye ilahleko ezimele zenzeke. Le ngcamango ayilunganga. Umgaqo-nkqubo wabanini abaqhelekileyo uqulethe inani elithile lezinto ezixhomekeke kumashishini okanye iimida.
Umgangatho wePropati
Icandelo lepropati yomgaqo-nkqubo wabanini alenzelwe ukumboza ipropati enepropati. Ngokubonelela:
- Ukukhawulelwa okuthe ngqo kumonakalo kwipropati esetyenziswe kwishishini. Lo mda ungathi ube ngaphantsi kwe $ 2,500. Umda ongaphantsi, njengama-$ 250, unokufaka isicelo kwipropati (njengekhompyutheni) engekho kwindawo yokuhlala.
- Akukho nkonzo yezinye izakhiwo (ezifana negazi langaphandle) elisetyenziselwa iinjongo zoshishino
- Umncinci okanye akukho nkonzo yokulahlekelwa okanye ukulimala kwiirekhodi zoshishino
- Akukho mali yokulahleka okanye ukulimala kwedatha yezoshishino
- Akukho mali yokulahleka kwemali engenayo ebangelwa ukuvalwa kwebhizinisi ebangelwa ukulahlekelwa ngumzimba wepropati yepropati
UmGaqo
Izibhengezo ezinxulumene nezo shishino zisebenza phantsi kwecandelo loxanduva lomgaqo-nkqubo wabanini.
Imigaqo-nkqubo emininzi ayinikezeli ngxelo:
- Ukulimala komzimba okanye umonakalo wepropati ovela kwishishini elibandakanywa ngumntu okhuselekile. Ukukhutshwa kwale ndlela kusebenza kwiMpilo yokuThuthwa kweNtlawulo .
- Ukulimala nakubani na umntu ofanelekileyo kwiimbuyekezo zempindiselo zabasebenzi
- amabango avela ekunikezeni, okanye ukuhluleka ukubonelela, iinkonzo zobungcali
Inkcazo yezoshishino
Uninzi lweemigaqo-nkqubo zabanini lichaza igama "ishishini." Inkcazo ihluka kumgaqo-nkqubo ukuya kumgaqo-nkqubo. Nazi ezinye izibonelo:
- nayiphi na imisebenzi epheleleyo okanye yexeshana yoluphi na uhlobo olwenzelwa inzuzo yezoqoqosho
- urhwebo, umsebenzi okanye umsebenzi, kuquka ukulima
- nawuphi na umsebenzi ogcweleyo okanye wexeshana, ukuhweba, umsebenzi, umsebenzi okanye umsebenzi, nokuba ingahambelani nenzuzo
Ezi ngcaciso zibanzi. Ezinye ziza kubandakanya phantse nayiphi na ishishini eliqhutywe kwiofisi yasekhaya. Kweminye imigaqo-nkqubo, ishishini alibandakanyi umsebenzi wokuzithandela, iinkonzo zonyango lwasemakhaya zinikezelwa ngentlawulo, kunye neminye imisebenzi.
Ukumboza iHhovisi leKhaya
Yintoni ongayenza xa umgaqo-nkqubo wabanikazi bakho unikezela ngokukhawuleza kwiphepha le-ofisi yakho yasekhaya? Unamanye amanyathelo.
Ukunikwa kwezindlu zabanini
Abanini bamasheya abaninzi bemihlaba banikezela ukuvumela ukuba bandise ubungakanani benkxaso enikezelwe kwipropati yeshishini.
Ngokomzekelo, abanye abatshutshisi baya kukwandisa umda we-$ 2,500 kwipropati esetyenziswe kwishishini ukuya ku-$ 10,000 okanye ngaphezulu. Abanye abatshutshisi banikezela ukuvunyelwa kweBhizinisi laseKhaya. Oku kuvunyeliswa kwandisa umgaqo-nkqubo wokubambisa ishishini elinomnini-nkqubo ukuba ibhizinisi lihlangabezana neemfuno ezithile. Ukufumana iinkcukacha malunga nendlela yokwandisa umgaqo-nkqubo wakho, qhagamshelana nommeli wakho we- inshurensi okanye umthengisi .
Umgaqo-nkqubo weBusiness Owners (BOP)
I- BOP yipolisi yephakheji eyenzelwe amashishini amancinci. Kuquka zombini i- inshurensi yepropati yoshishino kunye negalelo elibanzi lomsebenzi kumgaqo-nkqubo omnye. Abanye abatshutshisi banikela i-BOP eyenzelwe ngokukodwa amashishini asekelwe ekhaya.
I-BOP ngumgaqo-nkqubo wezorhwebo . Ayinakuyifaka indawo ye-inshorensi yabanini. Kufuneka uqwalasele i-BOP ukuba unamava oshishino rhoqo kwiofisi yakho yasekhaya (ukuhambisa abantu, iindwendwe, abathengi) kwaye uxhalabele malunga nokuxanduva.
Iingxowa-mali zeeNkampani zeNkxaso-ntle
Inketho yesithathu kukuthenga ipolisi ye-monoline. Umzekelo, ungathenga umgaqo-nkqubo wepropati yokuthengisa ukukhusela ishishini lakho ngokulahlekelwa okanye ukulimala kwiiofisi zeofisi kunye nezixhobo. Ukuba awuyidingi ukukhutshwa kwepropati, ungathenga umgaqo-nkqubo wokuzibophelela ngokubanzi ukukhusela ibhizinisi lakho kwiimangalo zenkampani yesithathu okanye izikhwama.
Ukuvavanya Ingozi Zakho
Ngaphambi kokuthenga i-inshorensi kwiofisi yakho yasekhaya, kufuneka uhlole ingozi yakho. Okokuqala, thabatha uluhlu lwempahla oyisebenzisayo kwishishini lakho, kubandakanywa iikhomputha kunye nesofthiwe. Emva koko, kuya kufuneka ufumane iindleko zokutshintshwa kwepropati yakho yeshishini. Unokujonga ixabiso leempahla ezintsha kunye nezixhobo kwindawo yokugcina iofisi ye-ofisi yakho. Ixabiso elipheleleyo lokutshintshwa ngumlinganiselo weyona ncinane ye-inshurensi yepropathi oyifunayo.
Emva koko, cinga ingozi kumaxwebhu akho abalulekileyo kunye nedatha ye-elektroniki. Ngaba ugcina izivumelwano okanye amanye amaphepha ebalulekileyo kwiofisi yakho? Ngaba ugcina uluhlu lwabaxhasi okanye idatha yenkampani kwikomkhulu yakho yekhompyutha? Ngaba idatha yakho ikhuselekile? Idata yakho ayikhuseli ukuba amalungu omndeni angakwazi ukufikelela kwiinkcukacha.
Ngaba usebenzisa iikontraki okanye uncedo lwasemakhaya ngubani onokufikelela kumaxwebhu akho ephepha, kunye neenkcukacha zekhompyutha kunye neirekhodi? Ukuba ezi zinto zalahleka okanye zonakaliswe, bekuya kuba yindleko ukuthatha indawo yabo? Ukuba iindleko ziya kuba zininzi, unokufuna i- inshurensi yamaphepha ebalulekileyo kunye ne- electronic processing processing .
Okwesithathu, cinga umphumo wokulahlekelwa ngumzimba kwimali yakho engenayo. Ukuba ukulahlekelwa ngokwenyama kwipropati yakho yeshishini kukukhupha imisebenzi yakho, ngaba ishishini lakho liza kulahlekelwa lilonke lemali engenayo? Ukuba impendulo inguye ewe, kufuneka uqikelele ukuthenga ukufumana ingeniso yoshishino .
Ekugqibeleni, cinga ngeengozi zakho. Ingaba abathengi, abahlobo bezoshishino, abasebenzi bokuhambisa ipakethe okanye abanye abantu bavakashela iofisi yakho? ukuba kunjalo, cinga ukuthenga i-inshorensi yemfanelo enkulu. Ukuba ishishini lakho lenza inkonzo okanye linika iingcebiso kwabanye ngemali, unokufuna iimpazamo kunye ne-inshorensi yemfanelo yomshuwalense .
Inqaku elihlelwe nguMarianne Bonner