Anthu ambiri tsopano akupita kukafunsira maliro, koma kodi?
Zaka zingapo zapitazo, amalonda anayamba kulimbikitsa ndi kupeza ndalama kuchokera kwa anthu kuti adziŵe zopanda malire, zopangira zinthu, zomwe zimayambitsa ndi malonda ena kudzera mu ndondomeko yotchedwa "crowdfunding" - kukweza ndalama pogwiritsa ntchito ndalama zambiri zopangidwa ndi anthu ambiri . Kudalira makamaka pa mphamvu ya intaneti, kuchuluka kwa zipangizo zamakono ndi kuyanjana kwa ma TV, ma katundu ndi mautumiki ambiri adalandira ndalama zokwanira zapadera kuti athe kuchoka ku lingaliro kupita ku chilengedwe chifukwa cha anthu ambiri.
Panthawiyi, mawebusaiti operekedwa kwa anthu othandizira aphungu adayamba, ndipo mosakayikira, ntchito zofuna ndalama zakula. Masiku ano, owongolera amapempha zopereka zambirimbiri zopangira ntchito, kuphatikizapo kuchita phwando kuti ophunzira omwe amaphunzira sukulu amalize maphunziro awo. pogwiritsa ntchito ndalama zothandizira opaleshoni ya ubongo pokhala ndi ana ochokera kunja. (Ngakhalenso sitima ya maliro a Abraham Lincoln yomwe inakonzanso ntchitoyo inkafuna ndalama zambirimbiri). N'zosadabwitsa kuti anthu ambiri tsopano akuyendetsa ndalama zambiri kuti azilipira malipiro a maliro ndi malipiro awo pambuyo pa imfa ya wokondedwa wawo ngati sangathe kupeza ndalamazi. Nkhaniyi ikufufuza ngati mukufuna kuyesa maliro, maliro, chikumbutso ndi zina zokhudzana ndi imfa.
Kodi Mipingo Yambirimbiri Ikugwira Ntchito?
Mu February 2015, wokhala ku Toronto, ku Canada, adayambitsa msonkhano wa anthu ambiri atamva za imfa yoopsa ya Elisha Marsh, mnyamata wa zaka zitatu yemwe adamwalira chifukwa chozizira kwambiri atatha kutuluka m'nyumba ya agogo ake a Toronto mmawa wina atavala kanthu kokha, T-sheti, manyesi ndi nsapato zachisanu.
(Munthu yemwe anayambitsa ntchitoyi yokhudzana ndi mwanayo sizinali zogwirizana ndi mwanayo.) Pa maola asanu ndi atatu, msonkhano wochuluka wopeza malipiro a Marsh unapanga $ 10,000 ndipo, mkati mwa maola 24, oposa $ 130,000 . (Mwachidziwitso, polojekitiyi inatha pa February 22, 2015, itatha kupitirira $ 173,000.)
Malinga ndi nkhani ya FOX Business yomwe inafalitsidwa mu August 2014, webusaiti yathu yothandizira anthu ambiri YouCaring.com inalembetsa zopitilira 30,000 zotsiriza-ndalama zomwe zimaperekedwa pa tsamba 12 miyezi isanafike. Kuwonjezera apo, malinga ndi nkhaniyi, maulendo ambiri a webusaitiyi omwe amachitira maliro adakweza "madola 2,000" komanso malo ena omwe amapita kumalo ena, GoFundMe.com , omwe adalemba malipiro oposa 22,000, msonkho ndi chikumbutso, anawonjezera $ 2,200.
Malingana ndi zitsanzo izi, wina angaganize kuti kufunafuna zopereka zing'onozing'ono pa intaneti kuchokera kwa anthu ambiri osadziŵa kuyenera kuonetsetsa kuti ndalama zopereka ndalama zambiri zowonjezera ndalama zokwana madola zikwi zingapo kapena, makamaka, pambuyo pa imfa ya wokondedwa. Koma kodi mukuyembekezeranso zotsatira zofanana ngati mukuganiza kuti pulogalamu yothandizira malipiro, maliro, chikumbutso kapena ndalama zina zotsiriza?
Zoona Zokhudza Makampu a Mipingo
Kuyambira pa March 20, 2015, ndipo ngakhale kuti zakhazikitsa ndalama zoposa 80,000 polojekiti yovomerezeka ndi operekera oposa 8.2 miliyoni, malo opambana a Kickstarter.com (malo otsogolera a anthu ambiri) ndi 39% pa masewera ake onse . (Zindikirani: Kickstarter.com imalola crowdfunding kupanga mapulani okha, kutanthauza kuti palibe ndondomeko ya maliro / zosowa zaumwini zimaloledwa.)
Komanso, nkhani ya January 2015 mu nyuzipepala ya The New York Times yonena za anthu ambirimbiri, inafotokoza ndemanga za Ethan Austin, woyambitsa mgwirizano ndi purezidenti wa GiveForward.com , webusaiti ina yomwe ikutsogolera anthu ambiri omwe amapeza ndalama zambiri. Malingana ndi Austin, " 80 peresenti ya anthu omwe amapereka ndalama ndi anthu omwe mumawadziwa osati anthu osadziŵa ." Iye akuwonjezera kuti: " Kutenga anthu atatu kapena anayi pa 100 kuti apereke ndiwopambana ."
Nkhani ina yonena za maliro a anthu ambiri omwe anafalitsidwa mu September 2014 imakambanso ndemanga ya Austin ndipo imatchulapo za ndondomeko zowonjezera ndalama: "... zopereka zambiri zidzachokera kwa achibale ndi abwenzi ."
Kodi Mukuyenera Kugwiritsa Ntchito Ndalama Zowonjezera Misonkho?
Association of Directors Association (NFDA), bungwe la zamalonda lomwe limayimira nyumba za maliro, oyang'anira maliro ndi ometa, adalembapo za malipiro a maliro kuyambira 1960 ndipo amawerengetsa zonsezi ndikuzilemba. Malingana ndi "Ndalama Zowonjezera Zachiwerengero Zonse" za NFDA (July 2013), ndalama zambiri za " maliro a mwambo " ndi $ 7,045 . ( Izi siziphatikizapo malo osungiramo manda, omwe amanda omwe amafunidwa nthawi zambiri. Kuphatikizapo manda a manda, mtengo wapakati wa maliro umapita ku $ 8,343 .)
Malingana ndi mtengo wa maliro wa NFDA, ndipo podziwa kuti mapulogalamu ochuluka omwe amapindula ndi ndalama zowonjezera amalandira zopereka kuchokera kwa achibale ndi abwenzi, kuphatikizapo anthu ambiri sangapereke ndalama zokwana 100% za maliro, maliro, chikumbutso ndi / kapena zina zotsirizira pambuyo pa imfa ya wokondedwa pokhapokha zochitika zapafupi ndi munthu amene wamwalira ndi / kapena opulumuka zimakhudza kwambiri mtima. (Ndipo ngakhale apo, palibe chitsimikiziro.) Imfa yoopsa ya Elisha Marsh wa zaka zitatu yomwe tatchula pamwambapa inalandira kufotokozedwa kwakukulu, kufotokoza chisamaliro, chifundo ndi kufunsira kwa alendo. Ngakhale kuti imfa iliyonse imakakamiza anthu omwe amadziwa ndi kukonda wakufayo, imfa zambiri zimakhala zosasokonezeka.
Izi zanena kuti, palibe chomwe chikukulepheretsani kupempha zopereka zachuma kudzera pa webusaiti yambiri ya maliro, maliro, chikumbutso ndi / kapena zina zotsirizira. Pogwiritsa ntchito ntchito yothandizira ndalama zambiri, anthu ambiri amafunika kugwira ntchito zambiri.
Maofesi Akumapeto Kwambiri Omwe Amawononga
• Kutumiza mphatso
• Mphotho kwa
• Funeral Fund
• Perekani Pambuyo
Pitani ku Fund Me
• Indiegogo
• Pendekera
• Mukusamalira
• Timasamalira Khadi
Zolemba za wolemba: Zowonongeka kwa anthu pamwambapa ndizopatsidwa zokhudzana ndi zolinga zokha, ndipo owerenga sayenera kunena kuti akuphatikizidwa apa ngati kuvomerezedwa, kaya akuwonetsa kapena akuwonetsa.
Zowonjezera Zina :
• Kodi maliro adimbidwadi ndiwotheka kugulira katundu wachitatu kwambiri?
Zotsatira :
"Mipando Yambirimbiri: Zimene Mukuyenera Kudziwa" ndi Kayleigh Kulp, pa 8 August 2014. www.foxbusiness.com . Inabwezeretsedwanso pa 3 March, 2015. http://www.foxbusiness.com/personal-finance/2014/08/08/crowdfunding-funding-what-need-toknow
"Pulogalamu ya pa Intaneti imakweza $ 130,000 pa maliro a Eliya" ndi Robin Levinson King, pa February 20, 2015. www.thestar.com. Inabwezeretsedwa pa March 3, 2015. http://www.thestar.com/news/gta/2015/02/20/online-campaign-for-elijahs-funeral-tops-35000.html
"Thandizo Lindikirani Malipiro a maliro a Eliya Marsh" ndi Justin Kozuch. www.tilt.com . Inabwezeretsedwa pa March 3, 2015. https://www.tilt.com/campaigns/help-cover-the-costs-of-elijah-marchs-funeral
"Zolemba." www.kickstarter.com . Inabwezeredwa pa March 20, 2015. https://www.kickstarter.com/help/stats
"Kugwiritsira Ntchito Ndalama Zamankhwala Zambiri Pogwiritsa Ntchito Ndalama Zambiri" ndi Constance Gustke, January 30, 2015. The New York Times . Inabwezeredwa pa March 12, 2015. http://www.nytimes.com/2015/01/31/business/managing-health-costs-with-crowdfunding.html
"Ndalama Zowonetsera Zokondedwa za Munthu Wokondedwa" ndi Jodi Helmer, pa September 4, 2014. www.nextavenue.org . Inabwezeredwa pa March 12, 2015. http://www.nextavenue.org/article/2014-08/crowdfunding-funeral-costs-loved-one
"2013 Pulogalamu ya General Price List. Association of Directors Funeral Association. Inabwezeretsedwa pa March 20, 2015. Msonkhanowu.