Isikhokelo soMqhubi wokuQhuba: Ukugqwesa kwiShishini lakho leKontraki eliZimeleyo

Ukusuka kwiSitulo soMqhubi ukuya kuSihlalo we-CEO

Xa utyibilika emva kwevili njengomqhubi wenqwelo-mafutha, awungomqeshwa nje wokugawula iiyure—uyi-CEO yeshishini lakho lomntu omnye. I-3.5 yezigidi ezisebenzayo zabaqhubi be-Uber kunye neLyft e-US kuphela, kunye nezigidi ezingaphezulu kwihlabathi jikelele, bamele utshintsho olukhulu kwikontraka ezimeleyo kwimbali yanamhlanje. Nangona kunjalo abaqhubi abaninzi bayasokola kwicala leshishini lomsebenzi wabo, beshiya amawaka eedola etafileni ngokucwangciswa kakubi kunye nokutsalwa okuphosiweyo. Abona baqhubi baphumeleleyo baphatha uhambo ngalunye hayi njengentengiselwano kodwa njengenxalenye yesicwangciso soshishino esibanzi esibandakanya ulawulo lwemali, inkonzo yabathengi, kunye nokusebenza kakuhle.

INyaniso yeKontraka eZimeleyo: Inkululeko engakumbi, uXanduva olungakumbi

Amaqonga afana ne-Uber, iLyft, iGrab, kunye ne-Didi ahlela abaqhubi njengeekontraki ezizimeleyo endaweni yabasebenzi, edala ubudlelwane obahluke kakhulu kunengqesho eqhelekileyo. Esi simo sikunika ulawulo kwishedyuli yakho kunye neendlela zokusebenza kodwa ubeka umthwalo wolawulo lweshishini ngokuthe ngqo emagxeni akho. Unoxanduva lokulandelela ingeniso, ukuhlawula irhafu, ukugcina isithuthi sakho, nokulawula iindleko—ngalo lonke eli xesha ukhuphisana kwindawo yentengiso eguqukayo.

Iimpembelelo zemali zibalulekile. Ngelixa abasebenzi benerhafu ebanjelwe ngokuzenzekelayo, iikontraka ezizimeleyo kufuneka zibale kwaye zihlawule irhafu yazo ngekota. Apho abasebenzi bafumana izibonelelo ezifana ne-inshurensi yezempilo kunye nemirhumo yomhlalaphantsi, iikontraka kufuneka zizikhusele ngokuzimeleyo. Esi sakhiwo sithetha ukuba ukuqonda inzuzo yakho yokwenyani kufuna ukujonga ngaphaya kwengeniso epheleleyo ukuya kwinto eseleyo emva kweendleko zeshishini.

Ukwazi Amanani: Ukulandelela Ingeniso kunye Neenkcitho

Isiseko salo naliphi na ishishini eliyimpumelelo lokukhwela inqwelo-mafutha kukulandela umkhondo wemali ngobuchule. Abona baqhubi baphumeleleyo ndenze udliwano-ndlebe nabo bahlala begxininisa ukuba awukwazi ukulawula into ongayilinganisiyo.

Ukulandelela Ingeniso Ngaphaya Kwe-App

Ngelixa iiplatifomu zokukhwela zibonelela ngeengxelo zengeniso, abaqhubi abanolwazi bagcina ezabo iirekhodi. Ngoba? Iingxelo zeqonga zisenokungabambi iingcebiso zemali, imivuzo yee-app ezininzi, okanye iziseko zebhonasi ngokuchanekileyo. Ukusebenzisa i-spreadsheet esilula okanye i-app ezinikeleyo ukuloga umvuzo wemihla ngemihla, ixesha, kunye neqonga kwenza umfanekiso ocacileyo wengeniso yakho.

Ubume beNkcitho

Iindleko ezinxulumene nesithuthi zikholisa ukusebenzisa i-30-40% yengeniso epheleleyo yomqhubi. Ezona zibalulekileyo ziquka:

• Izibaso: Elona xabiso likhulu liguquguqukayo, lihlala libalelwa kwi-15-25% yengeniso
• Ukuhla kwexabiso lesithuthi: Ilahleko yexabiso njengoko isithuthi sakho sikhula kwaye siqokelela iimayile
• Ukugcinwa kunye nokulungiswa: Ukusuka kwiinguqu zeoli ukuya ekuqhekekeni okungalindelekanga
• I-inshurensi: Imigaqo-nkqubo yorhwebo okanye i-rideshare-specific ixabisa i-15-20% ngaphezulu kwe-inshurensi yomntu
• Ukucoca kunye nokubonelela: Ukugcina umboniso wesithuthi kunye nokuthuthuzela abakhweli

Isicwangciso-qhinga seRhafu kuMqhubi oziqeshileyo

Irhafu imele owona mceli mngeni mkhulu kookontraka abatsha abazimeleyo. Ngokungafaniyo nabasebenzi abafumana iifomu ze-W-2, uya kufumana i-1099-K ukuba ufumana ngaphezulu kwe-$20,000 okanye unentengiselwano engama-200+—nangona amanye amazwe anemiqobo esezantsi.

I-Advantage yokutsalwa kweMileage

I-IRS ivumela iikontraka ezizimeleyo ukuba zitsale iindleko zezithuthi ezinxulumene neshishini kusetyenziswa enye yeendlela ezimbini: ezona ndleko okanye umyinge wemiyile esemgangathweni. Ngo-2023, umgangatho we-mileage oqhelekileyo yi-65.5 yeesenti ngekhilomitha. Kubaqhubi abaninzi, le ndlela ibonelela ngokutsalwa okukhulu. Ukuyibanga, kufuneka ulandele yonke imayile yeshishini-kuquka ukuqhuba umkhweli wakho wokuqala, phakathi kohambo, kunye nokubuyela ekhaya ukuba usekho ukukhwela.

Irhafu eqikelelwayo ngekota

Njengekontraka ezimeleyo, unoxanduva lokuhlawula irhafu eqikelelweyo ngekota kunonyaka. Oku kubandakanya zombini irhafu yengeniso kunye nerhafu yokuziqesha (i-15.3% yoKhuseleko loLuntu kunye ne-Medicare). Ukungaphumeleli ukwenza ezi ntlawulo kunokukhokelela kwizohlwayo. Ukubekela bucala 25-30% yentlawulo nganye yerhafu kuthintela izinto ezothusayo zokuphela konyaka.

"Abaqhubi abaphumeleleyo ixesha elide akufuneki ukuba abo banezinga eliphezulu leyure-ngabo abaqonda kakuhle iindleko zabo. Ukulandelela yonke ikhilomitha kunye nerisithi iguqule ishishini lam ekuzabalazeleni ukuzinzileyo." - UMarcus Chen, umqhubi we-Uber osisigxina iminyaka emi-6

Ukwandisa uMvuzo: Ubuchule obuNgaphaya Kwevili

Ingeniso enokubakho ekukhweleni inqwelo-moya ayipheleli nje kwiiyure ezifakiweyo—imalunga nokwenza izigqibo ngobuchule. I-10% ephezulu yabaqhubi barhola ngaphezulu komndilili ngokusebenzisa imigaqo yeshishini ekuqhubeni kwabo.

Ukuqonda uBonelelo kunye neepateni zeBango

Indlela yokukhwela ilandela iipateni ezinokuqikelelwa. Ukunyuka kwamaxabiso ngeeyure zongxamiseko, ubusuku bempelaveki, kunye nemisitho eyodwa inokuphinda kabini okanye kathathu umvuzo wakho. Abaqhubi be-Smart bacwangcisa iishedyuli zabo malunga nala maxesha anemfuno ephezulu kunokuba baqhube ngokungenamkhethe. NgoLwesihlanu nangoMgqibelo ngokuhlwa zibonelela ngeyona mivuzo iphezulu, ngelixa iintsasa zaphakathi evekini zibamba abakhweli beshishini.

Iqhinga le-Multi-App

Ukuxhomekeka kwiqonga elinye kukushiya usengozini kwiinguqu ze-algorithm kunye nokuguquguquka kweemarike. Abaqhubi abaphumeleleyo bahlala besebenza kwiiplatifti ezininzi-Uber, Lyft, kwaye ngamanye amaxesha iinkonzo zokuhambisa ezifana neDoorDash. Le ndlela inciphisa ixesha lokuphumla phakathi kokukhwela kwaye ibonelela ngeendlela zokugcina xa iqonga elinye licotha. Undoqo kukulawula amazinga okwamkelwa kuwo onke amaqonga ukugcina izibonelelo zesimo.

Ulawulo lweSithuthi: I-Ofisi yakho ephathwayo

Imoto yakho yeyona asethi yakho inkulu kunye neendleko ezinkulu. Ulawulo olululo lwandisa ubomi babo bengeniso kwaye lunciphisa iindleko ezingalindelekanga.

Ukukhetha isithuthi esiLungileyo

Ubuchule bamafutha buchaphazela ngqo ingeniso. Isithuthi esifumana i-35 MPG ngokuchasene ne-20 MPG sinokugcina i-$ 3,000-5,000 ngonyaka kwiindleko zamafutha kumqhubi wexesha elizeleyo. Izithuthi zombane zibonelela ngolondolozo olukhulu kwipetroli kodwa iindleko eziphezulu zangaphambili. Indawo eswiti isoloko iyisedan ethembekileyo, eyonga amafutha elinganisa ixabiso lokuthenga kunye neendleko zokusebenza.

IShedyuli yoLondolozo loThintelo

Ukwaphulwa kubonisa ingeniso elahlekileyo kunye neendleko zokuyilungisa. Ukulandela iishedyuli zokugcinwa komenzi ngokwenkolo kuthintela imiba emikhulu. Gcina iirekhodi zalo lonke ulondolozo ngeenjongo zerhafu kunye nexabiso lokuthengisa kwakhona. Abaqhubi abaninzi abaphumeleleyo benza i-akhawunti yokonga eyahlukileyo yokulungiswa kwesithuthi, benikela ngemali emiselweyo ngemayile nganye eqhutywayo.

Inyathelo ngeNyathelo: Ukwakha iNkqubo yeShishini lakho loMqhubi

Ukutshintsha ukusuka kumqhubi oqhelekileyo ukuya kumnini-shishini kufuna ukuphumeza iinkqubo ezilinganisa. Nantsi indlela esebenzayo:

1. Seka ii-akhawunti zoshishino ezahlukeneyo: Vula i-akhawunti yokutshekisha ezinikeleyo kunye nekhadi letyala layo yonke ingeniso neendleko zohambo. Oku kwenza kube lula ukulandela umkhondo kunye nolungiselelo lwerhafu.
2. Phumeza ukujongwa komgama: Khetha i-app efana ne-Stride okanye i-Hurdlr elandelela ngokuzenzekelayo imayile zoshishino. Rekhoda ufundo lweodomitha yokuqala kunye nesiphelo yonke imihla.
3. Yenza inkqubo yokuhlelwa kweendleko: Phuhlisa iindidi zamafutha, ulondolozo, i-inshorensi, ukucoca, amatyala efowuni, kunye nokunye okutsalwayo.
4. Seta uphononongo lwezemali lweveki: NgeCawe nganye, hlola ingeniso yakho ngokuthelekisa neendleko. Lungisa isicwangciso sakho ngokusekelwe kwinto esebenzayo.
5. Cwangcisa iintlawulo zerhafu zekota: Bala uqikelelo lwerhafu efunekayo kwikota nganye kunye neentlawulo zeshedyuli kwangaphambili.
6. Yahlula-hlula iindlela zengeniso: Linga ngeenkonzo zohambiso, ukuqhutywa kwesikhululo seenqwelomoya, okanye ukukhwelwa okucwangcisiweyo ukuze ulungelelanise ipotfoliyo yengeniso yakho.

ITekhnoloji yokuSebenza kuLawulo lweShishini

Abaqhubi banamhlanje banokufikelela kwizixhobo ezenza lula ulawulo lweshishini. Ngaphaya kwee-apps zokukhwela ngokwazo, iindidi ezininzi zobuchwepheshe zinokwenza imisebenzi:

Iinkqubo zokuJonga iMali

Izicelo ezinjengeeNcwadi ezikhawulezayo zokuziQeqesha, iStride, kunye ne-Everlance zihlela ngokuzenzekelayo iindleko kwaye zilandele umgama omde. Abaninzi badibanisa ngokuthe ngqo kunye namaqonga okukhwela, ukungenisa idatha yengeniso ngokuzenzekelayo. Ixesha eligcinwe ekungeneni ngesandla lihlala lithethelela ixabiso lomrhumo.

Izixhobo zokuHlalutya

Ii-apps zomntu wesithathu ezifana neGridwise kunye neMystro zibonelela ngokuqonda kwiipateni zokufumana imali kumaqonga amaninzi. Bayakwazi ukuchonga ezona yure zakho zinengeniso, iindawo, kunye namacebo-ulwazi lwamaqonga ngokwawo alusoloko lubonelela ngokucacileyo.

Isicwangciso seXesha elide

Uqoqosho lwegig lubonelela ngokuguquguquka kodwa alufane lubonelele ngezibonelelo zomhlalaphantsi. Abaqhubi abaphumeleleyo baphatha ishishini labo njengelinge lexesha elide kunye nezicwangciso zokuphuma kunye nokucwangcisa umhlalaphantsi.

Ugcino lomhlalaphantsi

Njengekontraka ezimeleyo, ungafaka isandla kwii-SEP IRAs, Solo 401(k)s, okanye ii-IRAs zesintu-kaninzi zinemida ephezulu kunoogxa abaqeshiweyo. Ukubekela bucala ne-10% yentsalela yengeniso kunokwakha ugcino olubalulekileyo lomhlalaphantsi ekuhambeni kwexesha.

Phuma kwiNgqwalasela yeQhinga

Iimoto ziyancipha, kwaye ukudinwa kwabaqhubi yinyani. Abona baqhubi bengqondo yezoshishino baceba inguqu ekugqibeleni-nokuba kwisithuthi esahlukileyo, ishishini elihambelanayo njengolawulo lwezithuthi, okanye umsebenzi omtsha ngokupheleleyo. Ukwakha izakhono zoshishino ngokukhwela inqwelo-moya kudala impahla egqithiselwayo ngaphaya komvuzo wokuqhuba nje.

Indlela Engaphambili: Ukuphuhlisa Ishishini Lakho Lokuqhuba

Umhlaba wokukhwela uyaqhubeka nokuguquka kunye neenqwelo zombane, iteknoloji yokuqhuba ngokuzimeleyo, kunye nokutshintsha kwemimiselo. Abaqhubi abaphumeleleyo baya kuba ngabo bahlengahlengisa iimodeli zabo zoshishino ngokufanelekileyo. Ukuphatha umsebenzi wakho wokuqhuba njengeshishini kunokuba nje ube ngumsebenzi ubeka imali eninzi kolu tshintsho kunokuba uphazanyiswe lulo. Ukuzimela kwezivumelwano zekhontrakthi kuza noxanduva, kodwa kunye namandla angenamkhawulo kwabo banobuchule bokuhamba ngendlela kunye neencwadi.

Imibuzo Ebuzwa Rhoqo

Yeyiphi ipesenti yomvuzo wabo ekufuneka abaqhubi beenqwelo-mafutha babekele bucala iirhafu?

Abaqhubi kufuneka babekele bucala i-25-30% yentsalela yemivuzo yabo yerhafu, kubandakanywa zombini irhafu yengeniso kunye nerhafu yokuzisebenzela. Oku kuyahluka ngokusekwe kwisibiyeli sakho serhafu kunye nemigaqo karhulumente.

Uthini umahluko phakathi kweendleko zokwenyani kunye neendlela eziqhelekileyo zokuxhuzulwa komgama?

Eyona ndlela yeendleko ikuvumela ukuba utsale iindleko ezichanekileyo zokusebenza kwesithuthi sakho, ngelixa indlela yemileage eqhelekileyo ibonelela ngokutsalwa okusisigxina ngemayile yoshishino. Uninzi lwabaqhubi luzuza ngakumbi kwindlela eqhelekileyo yeemayile.

Abaqhubi bangayilandela njani imigama yeshishini labo ngempumelelo?

Sebenzisa ii-apps ezizinikeleyo zokulandela umgama eziloga iihambo ngokuzenzekelayo, okanye ugcine i-spreadsheet eneenkcukacha ezinomhla, ukuqala/ukuphelisa ufundo lwe-odometer, injongo, kunye neemayile eziqhutywa kuhambo ngalunye lweshishini.

Kungcono ukuqhuba amaqonga amaninzi okukhwela?

Ewe, ukuqhuba kwiiplatifti ezininzi kunciphisa ixesha lokuphumla phakathi kokukhwela kwaye kunika ulwahlulo lwengeniso. Nangona kunjalo, lawula amaxabiso akho okwamkelwa ngononophelo ukugcina izibonelelo zesimo kwiqonga ngalinye.

Zeziphi iindleko zesithuthi ezitsalwa irhafu kubaqhubi abakhwela inqwelo moya?

Iindleko ezixhuzulwayo ziquka amafutha, ukulungiswa, ukulungiswa, i-inshurensi, ukucoca, indawo yokupaka, ii-tolls, kunye nokwehla kwexabiso lemoto. Usenokutsala inxalenye yetyala lakho lefowuni kunye naziphi na iisnacks okanye amanzi owanika abakhweli.

Ukulungele ukwenza lula imisebenzi yakho?

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