Ingakanani imali eyenziwa ngabaqhubi beenqwelo moya? Uhlalutyo olupheleleyo lwembuyekezo

Umntu oza kungenelwa kumqhubi wenqwelo moya ejonge itafile yomvuzo womkhosi okokuqala ubona inani elibonakala lifanelekile kodwa lingaphelelanga. Umbuzo wokwenyani, ukuba abaqhubi beenqwelo moya bafumana malini, awunampendulo inye kuba ulwakhiwo lwembuyekezo lubekwe ngabom. Umvuzo osisiseko ngumphezulu obonakalayo kuphela.

Into uninzi lwabaqhubi beenqwelo moya abanomdla abayiphoswayo ngumsantsa phakathi komvuzo obhengeziweyo kunye nemali ethathwayo. Umkhosi wakha imbuyekezo ngezibonelelo, iibhonasi, kunye neenzuzo ezingafane zihambelane nemisebenzi yoluntu kwisakhiwo okanye ukuphathwa kwerhafu. Ukuqonda umaleko ngamnye kutshintsha indlela obalwe ngayo ngokupheleleyo.

Eli nqaku lichaza yonke into enxulumene nomvuzo womqhubi wenqwelo moya woMkhosi woMoya, ukusuka kumvuzo wenqwelo moya kunye nezibonelelo zendlu ukuya kwiibhonasi zokugcina abasebenzi kunye neenzuzo zexesha elide. Uza kubona umfanekiso opheleleyo, kungekuphela nje ikholamu yomvuzo osisiseko kwitshathi.

Intlawulo esisiseko yindawo yokuqala kuphela

Uninzi lwamanqaku malunga nokuba abaqhubi beenqwelo moya bamisa malini etafileni yokuhlawulwa. Yimpazamo leyo. Inani elikwitshati yokuhlawulwa komkhosi lelona candelo lingathandekiyo kwibali lembuyekezo.

Umvuzo osisiseko ulandela ulwakhiwo oluqinileyo oluxhomekeke kwisikhundla kunye nexesha elisebenzayo. Igosa elitsha eliqeshwe kwinqanaba le-O-1 liyazuza umvuzo wegosa eliqalayo. Elo nani linyuka ngokuqikelelweyo ngokunyuselwa ngakunye nangonyaka ngamnye wenkonzo.. Xa umqhubi wenqwelo moya efikelela kwi-O-4 okanye i-O-5, umvuzo osisiseko uphindwe kabini okanye kathathu. Umvuzo we-mid-career kunye nomvuzo we-senior officer ubonisa iminyaka yamava kunye nokwanda koxanduva.

Kodwa umvuzo osisiseko ngumgangatho, hayi isilingi. Ukho ngaphakathi kwenkqubo eyenzelwe ukuhlawula abaqhubi beenqwelo-moya ngaphaya koko kuboniswa yitafile yomvuzo. Umkhosi awufuni abaqhubi beenqwelo-moya bahambe baye kwiinqwelo-moya. Ngoko ke wakheka ngokwemigangatho engaboniswa yitshati yomvuzo.

Cinga ngento ephoswa yintlawulo esisiseko yodwa. Umqhubi wenqwelo moya kwi-O-3 oneminyaka emithandathu esebenza ufumana umvuzo ohloniphekileyo. Loo mqhubi wenqwelo moya ufumana izibonelelo zendlu, umvuzo wenqwelo moya, kunye neebhonasi zokugcina abasebenzi ezinokuthi zidlule umvuzo osisiseko ngokwawo. Itheyibhile yomvuzo yinxalenye ebonakalayo yentaba yomkhenkce. Yonke enye into ingaphantsi komgca wamanzi.

Yiyo loo nto ukuthelekisa umvuzo wabaqhubi beenqwelo-moya zomkhosi nemivuzo yabantu abaqhelekileyo kusetyenziswa umvuzo osisiseko kuphela kuyalahlekisa. Umfanekiso wembuyekezo iyonke uyaqondakala kuphela xa wongeza umaleko ngamnye. Kulapho kuhlala khona amanani okwenyani..

Thatha isibonelelo sendlu wedwa. Umqhubi wenqwelo moya we-O-3 omi eHurlburt Field ufumana iSiseko seSiseko seNdlu esongeza ngaphezulu kwe-$2,000 ngenyanga ngaphandle kwerhafu. Loo mali ayibhalwanga yitafile yomvuzo.

Intlawulo yenqwelomoya yongeza olunye udidi. Intlawulo yeNkuthazo yoMsebenzi weenqwelo moya iqala kwi-$125 ngenyanga kubaqhubi beenqwelo moya abatsha kwaye inyuka iye kwi-$840 ngenyanga ngonyaka we-14. Olu nyuko luhambelana nomsebenzi ngeendlela itshati yentlawulo esisiseko engenakuyibamba.

Iibhonasi zeNtlawulo yeNqwelomoya kunye nezokuHamba ngeNqwelomoya zongeza ubunzima bokwenyani

Intlawulo esisiseko yindawo eqala kuyo incoko, kodwa ayikuko apho imali ihlala khona. Iibhonasi zomvuzo wendiza kunye nokugcinwa kweenqwelomoya zezona zinto zahlula imbuyekezo yomqhubi we-Air Force kwimivuzo yabanye amagosa. Ezi zinto ziphendula umbuzo wokwenyani wokuba abaqhubi beenqwelo moya benza malini xa inkqubo epheleleyo ijongwa.

Intlawulo Yesikhuthazo Somsebenzi Weenqwelo-moya: Iprimiyamu Yenyanga Yohambo Lweenqwelo-moya

Wonke umqhubi wenqwelo moya ofanelekileyo ufumana i-Aviation Career Incentive Pay, ebizwa ngokuba yi-flight pay. Imali ilinganiswa neminyaka yenkonzo yeenqwelo moya, iqala kancinci kwaye inyuke njengoko amava eqokelelana. Oku akuyobhonasi yokusebenza okugqwesileyo, yimbuyekezo yeemfuno zendalo zeenqwelo moya zomkhosi ezibhabhayo.

Intlawulo yokuqhubeka kweenqwelomoya: I-Retention Lever

I-Aviation Continuation Pay sisixhobo esiphambili soMkhosi woMoya sokugcina abaqhubi beenqwelo moya abanamava kwi-cockpit. Abaqhubi beenqwelo moya abazibophelela kwiminyaka eyongezelelweyo yenkonzo banokufumana Izivumelwano zokuhlawula eziqhubekayo zeenqwelomoya ezongeza ingeniso enkulu yonyaka. Olu lwakhiwo luvuza ubomi obude kunye nokuzinikela ngaphezu kwenkonzo yexesha elifutshane.

Indlela Ibhonasi ye-$600,000 Esebenza Ngayo Ngokwenene

Imali ekuthethwa ngayo kakhulu eyi-$600,000 ayilotshekhi enye. Yibhonasi yokugcina imali yeminyaka emininzi ehlawulwa ngezavenge kwixesha lesivumelwano. Umqhubi wenqwelomoya osayina isivumelwano seminyaka elishumi ufumana isixa-mali esipheleleyo kuloo minyaka, nto leyo eyenza ukuba ukongezwa konyaka kube negalelo elikhulu kodwa kungatshintshi ubomi kwintlawulo enye.

Kutheni Ezi Ntengo Zibaluleke Ngakumbi Kunokuhlawula Okusisiseko

Intlawulo yenqwelo moya kunye neebhonasi zingongeza amashumi amawaka eedola kwimbuyekezo yonyaka ngaphaya koko kuboniswe kwitheyibhile yentlawulo. Umqhubi wenqwelo moya ophakathi emsebenzini onentlawulo yenqwelo moya kunye nekhontrakthi esebenzayo ye-ACP ufumana imali engaphezulu kakhulu kunegosa elingafakwanga manqaku elinesikhundla esifanayo. Esi sikhewu kulapho umfanekiso wemali wokwenyani wokuba abaqhubi beenqwelo moya bafumana malini.

Izibonelelo zezindlu kunye nezokuhlala ziyingeniso enenzuzo yerhafu

Eyona mpazamo ixhaphakileyo ekuphenduleni ukuba abaqhubi beenqwelo moya benza malini kukungayinaki inzuzo yerhafu efakwe kwizibonelelo ezimbini ezithile. Isibonelelo esiSiseko seNdlu (i-BAH) kunye nesibonelelo esiSiseko seZindlu (i-BAS) azizobhonasi, zingeniso engenarhafu eyonyusa amandla okuthenga edola nganye. Umntu oqhelekileyo ofumana umvuzo we-$60,000 uhlawula irhafu yengeniso kwidola nganye. Umqhubi wenqwelo moya ofumana i-$30,000 kwi-BAH ugcina yonke idola.

I-BAH ibalwa ngokwesikhundla, imeko yokuxhomekeka, kunye nendawo. Umqhubi wenqwelo moya omi kwisiseko esibiza kakhulu ufumana ngaphezulu kwesinye kwisiseko esibiza kancinci. Le nkqubo yenzelwe ukugubungela iindleko zezindlu ezingaphandle kwesiseko ngaphandle kokuba umqhubi wenqwelo moya ahlawule ngemali yakhe. Ixabiso elisebenzayo liphezulu kunenani elimiselweyo kuba akukho rhafu karhulumente okanye karhulumente eliyichaphazelayo.

I-BAS igubungela ukutya. Lixabiso elimiselweyo lenyanga elihlawulwa kuwo onke amagosa, nokuba atya phi na. Ixabiso langoku lamagosa limiselwa minyaka le kwaye lilungelelaniswa nokunyuka kwamaxabiso. Njenge-BAH, ifika ingahlawuliswa rhafu. Umqhubi wenqwelo moya ohlala kwizindlu ezisisiseko aze atye kwindawo yokutyela usafumana isixa esipheleleyo se-BAS, yingeniso, hayi imbuyiselo.

Thelekisa ezi zinto nexabiso elilinganayo nelabemi. Umsebenzi wecandelo labucala ohlawula irenti yenyanga eyi-$1,500 kunye nengeniso emva kwerhafu kufuneka afumane malunga ne-$2,000 ngaphambi kwerhafu ukuze ahlawule ezo ndleko. Umqhubi wenqwelomoya ofumana i-$1,500 kwi-BAH engenarhafu udinga kanye i-$1,500 yomvuzo opheleleyo ukuze afumane iziphumo ezifanayo. Umahluko uhambelana nomsebenzi. isakhiwo somvuzo womqhubi wenqwelo moya yomkhosi ngabom babeka ixabiso phambili ngokusebenzisa unyango lwerhafu endaweni yomvuzo osisiseko.

Oku kuthetha ukuba intsingiselo ilula. Umvuzo osisiseko wodwa awunakukwazi ukubamba umfanekiso opheleleyo wezemali. Abaqhubi beenqwelo-moya ababini abanezikhundla ezifanayo kunye nexesha elifanayo emsebenzini banokuba nembuyekezo epheleleyo eyahlukileyo ngokuxhomekeke kwindawo abahlala kuyo kunye nendlela abazisebenzisa ngayo ezi zibonelelo.

Iphakheji yeeNzuzo ikhuphisana nayo nayiphi na imisebenzi yoluntu

Uninzi lokuthelekiswa kwemivuzo luphelela kumgca womvuzo. Oko akubonisi ixabiso lokwenyani lenkonzo yasemkhosini.

Iphakheji yeenzuzo zabaqhubi beenqwelo moya zoMkhosi weNqwelo-moya ibandakanya iinkqubo zomshuwalense, umhlala-phantsi, kunye neenkqubo zokuzonwabisa ezongeza ukhuseleko olukhulu lwezemali.

I-inshurensi Egubungela Okungaphezulu Kwepolisi

The iphakheji yeinshorensi kunye neenzuzo ibandakanya ukhuseleko lwezonyango nolwamazinyo olungenazo iiprimiyamu zenyanga. Imali elingana neyomntu ongekho mthethweni kumqeshi omkhulu ibiza amawakawaka ngonyaka kwiiprimiyamu zodwa. Ukhuseleko lufikelela kubantu abaxhomekeke kubo kwaye lubandakanya ukufikelela kwiindawo zonyango lomkhosi kwihlabathi liphela.

Umhlalaphantsi Oqala Ukuhlawula Kwiminyaka Engama-20

Inkqubo yoMhlalaphantsi eBlended idibanisa umhlalaphantsi ochaziweyo kunye neSicwangciso soLondolozo lweMali esihambelana neminikelo. Umqhubi wenqwelomoya okhonza iminyaka engama-20 ufumana umhlalaphantsi oqala kwangoko emva kokwahlukana. Loo mhlalaphantsi uyaqhubeka ubomi bonke, uhlengahlengiswe ngenxa yokunyuka kwamaxabiso. Imisebenzi embalwa yoluntu enika umjelo wengeniso oqinisekisiweyo oqala kwiminyaka yoo-1940.

Iinkqubo zoLonwabo kunye noMgangatho woBomi

Iinkqubo zeMorale, iNtlalontle, kunye noLonwabo zibonelela ngezibonelelo zokuhamba, indawo yokuhlala, kunye nokuzonwabisa ezincitshisiweyo kuzo zonke iindawo. Ukufikelela kwiikomishinari kunye notshintshiselwano kunciphisa iindleko zasekhaya. Le phakheji yeenzuzo iguqula imeko yezemali yomntu ovavanya umsebenzi. Iindleko zeinshorensi ziyaphela. Ingeniso yomhlalaphantsi iqala kwangethuba. Iinkqubo zokuzonwabisa zinciphisa iindleko zemihla ngemihla.

Cinga ngexabiso elilinganayo nelomntu ongekho mthethweni. Ikapteni ephezulu eDelta okanye e-United ihlawula malunga ne-$1,500 ngenyanga ngenkxaso-mali yempilo yosapho efanayo. Umqhubi wenqwelo moya yoMkhosi woMoya akahlawuli nto. Loo mahluko wodwa udlula i-$18,000 ngonyaka ngexabiso lokuya ekhaya.

Ubalo lomhlalaphantsi lubaluleke ngakumbi. Umqhubi wenqwelo moya othatha umhlalaphantsi eneminyaka engama-42 ubudala eneminyaka engama-20 yenkonzo uqokelela malunga ne-40% yomvuzo osisiseko wobomi bakhe bonke. Umqhubi wenqwelo moya oqhelekileyo kufuneka axhase umhlalaphantsi wakhe ngeminikelo ye-401(k) kunye nembuyekezo yemarike. Ulwakhiwo lomkhosi lususa umngcipheko wemarike ngokupheleleyo.

Yintoni Abaqhubi beenqwelo-moya abayifumanayo i-$400,000 ngonyaka?

Impendulo emfutshane: akukho mqhubi wenqwelo moya osebenzayo ofumana elo nani ngomvuzo wesiseko kunye nezibonelelo zodwa. Impendulo ende ityhila apho elo nani lihlala khona ngokwenene. Intlawulo iyonke yomqhubi wenqwelo moya yomkhosi inkulu kakhulu. I-O-5 ephezulu enentlawulo yenqwelo moya, i-BAH, i-BAS, kunye neenzuzo isondela kwiphakheji enamandla enamanani amathandathu. Kodwa i-$400,000 ayikho kuloo luhlu.

Iikapteni eziphezulu zeenqwelo moya kwiinkampani ezinkulu zifikelela kwi-$400,000. Umqhubi weDeltas phezulu kwisikali sabo somvuzo bayawususa loo mda emva kweminyaka yokuqokelelana kwabantu abadala. Umntu ofanayo ondiza kwi-Air Force eneminyaka engamashumi amathathu unokundiza kwi-airline eneminyaka engamashumi amane aze afumane imali ephindwe kathathu.

Loo ndlela yeyona nto ibalulekileyo. Umkhosi wakha izakhono kunye neeyure. Umsebenzi weenqwelo moya uvula ingeniso. I-Florida Flyers Flight Academy inceda abaqhubi beenqwelo moya ukuba batshintshele kwizihlalo zamapolisa ukuya kwizihlalo zamagosa okuqala eenqwelo moya. Imali eyi-$400,000 ayisiyontsomi. Ifuna nje iyunifomu eyahlukileyo ukuze ifumaneke.

Ukudideka kuyaqhubeka kuba eminye imithombo ekwi-intanethi idibanisa ixabiso lomhlalaphantsi emkhosini kunye nomvuzo womsebenzi osebenzayo. Umsebenzi we-Air Force weminyaka engamashumi amabini onepenshini exabisa ngaphezulu kwesigidi seedola ngexabiso langoku uhlanganiswa kumanani embuyekezo yonyaka. Loo mvuzo awuthathwa ekhaya. Loo nzuzo yexesha elide efuna iminyaka engamashumi amabini yenkonzo ukuze iqokelelwe.

Ukwahlula ingeniso yangoku kwimbuyekezo erhoxisiweyo kutshintsha izibalo. Inani le-$400,000 livela kuphela xa umntu efaka umhlala-phantsi wexesha elizayo kumvuzo osisiseko wanamhlanje. Loo balo lonyusa inani lokwenyani ngenani lesithathu okanye ngaphezulu.

Ibhonasi ye-$600,000: Oko Kuthethwa Yiyo Ngokwenene

Intlawulo yokuqhubeka kweenqwelo moya (ACP) yibhonasi yokugcina abantu eyenzelwe ukugcina abaqhubi beenqwelo moya abanamava kwi-cockpit bengagqithanga kwinkonzo yabo yokuqala. Yikhontrakthi yeminyaka emininzi ehlawulwa kwiminyaka eliqela, ngokuqhelekileyo ngezavenge zonyaka.

Inani le-$600,000 liphindaphindwa njengenombolo ephambili. Oko kuthetha ukuba umqhubi wenqwelo moya ozibophelela kwixesha lenkonzo eyongezelelweyo, elidla ngokuba yiminyaka elithoba ukuya kwelishumi elinesibini, ufumana iintlawulo ezicwangcisiweyo kulo lonke elo xesha.

Lo mahluko ubalulekile kuba utshintsha izibalo zemali. Inyani isondele kwisongezelelo sonyaka, esidibene nomvuzo osisiseko kunye nezibonelelo, esenza ukuhlala kwinkonzo kube nokhuphiswano lwezemali kunye neendlela zokuqala zoluntu.

Ukuqonda ngokuchanekileyo Intlawulo yokuqhubeka kweenqwelomoya ityhila utshintshiselwano olucwangcisiweyo. Le bhonasi inkulu ngokwaneleyo ukugcina italente kodwa icwangciselwe ukuphepha ukudala ingeniso enye ebangela iingxaki zerhafu okanye ukunyuka kwamaxabiso kwindlela yokuphila. Kuvavanyo lwamanani, umbuzo wokwenyani kukuba ingaba ukuzibophelela kweminyaka emininzi kuyahambelana na nexesha labo lomsebenzi kunye neenjongo zokufumana umvuzo wexesha elide.

Cinga ngokapteni oneminyaka elishumi esebenza ejongene nentlawulo ye-ACP ye-$35,000 ngonyaka. Loo mqhubi wenqwelo moya ofanayo angangena kwinqwelo moya yengingqi aze afumane i-$120,000 kunyaka wokuqala enendlela ecacileyo eya kwi-$200,000 kwiminyaka emithathu. Ibhonasi iyawuvala umsantsa kodwa ayiwususi. Isigqibo siba kukubheja kwindlela yokuhamba, kungekhona ukuthelekiswa kwemivuzo yangoku.

Umqhubi weprojekthi oqonda olu lwakhiwo unokuthetha ngexesha lomsebenzi wakhe ngokuchanekileyo. Iintlawulo ze-ACP zinokufakwa kwizicelo zemali mboleko yendlu, ucwangciso lomhlalaphantsi, kunye nokonga imali yemfundo njengemithombo yengeniso eqikelelweyo. Impazamo kukuphatha ibhonasi njengenzuzo xa isebenza njengesongezelelo somvuzo wokugcina imali eyenzelwe ukwenza izibalo zisebenze kumacala omabini.

Ukusuka kuMqhubi wezoMkhosi ukuya kuKapteni weenqwelo-moya: Indlela yokuhlawula

Indlela esuka kwikhabhathi yomkhosi ukuya kwisihlalo sikakapteni weenqwelo-moya yizinyuko zemali, ayikokutsiba nje kube kanye. Uninzi lwabaqhubi beenqwelo-moya aluyithathi lula indlela amanyathelo okuqala awabiza ngayo. Ukubhala le ndlela kutshintsha indlela owuxabisa ngayo unyaka ngamnye wenkonzo.

Inyathelo 1. Khonza ukuzinikela kwakho kokuqala njengomqhubi wenqwelo moya yoMkhosi woMoya. Oku kwakha iiyure zokubhabha, amava obunkokeli, kunye nohlobo lovavanyo olufunekayo kwiinkampani zeenqwelo moya. Iyure nganye ongene kuyo kwinqwelo moya yomkhosi lutyalo-mali oluthe ngqo ekuqeshweni kwakho njengoluntu.

Inyathelo 2. Gqiba ukuba uza kutshintshela nini. Ukuhamba ekupheleni kwenkonzo yakho kuthetha ukungena kwiqela lokuqesha leenqwelo-moya uneziqinisekiso eziqinileyo. Ukuhlala ixesha elide ngenxa yokulibaziseka kwebhonasi yokugcina umsebenzi okufana nomvuzo woluntu, nto leyo ebangela ukuba umsebenzi wakho ube nzima.

Inyathelo 3. Ngena kwinkampani yeenqwelo moya yengingqi njengeGosa lokuQala. Olu luhlengahlengiso lomvuzo uninzi lwabaqhubi beenqwelo moya abalufumanisa lumangalisa. Umvuzo ungaphantsi kunembuyekezo iyonke yomkhosi, kodwa ixesha liqala ukujikeleza ukuya kuphuculo lukakapteni olutshintsha yonke into.

Inyathelo 4. Phucula uye kwiKapteni kwinkampani yeenqwelo moya yengingqi. Eli nyathelo liphinda kabini amandla akho okufumana imali xa kuthelekiswa nesihlalo seFirst Officer. Ixesha lokuphucula liyahluka ngokweenqwelo moya kunye nemfuno, kodwa inyanga nenyanga kwisihlalo sasekhohlo kuyakhawulezisa intshukumo elandelayo.

Inyathelo 5. Yiya kwinkampani enkulu yeenqwelo-moya njengeGosa lokuQala. Kulapho ke ukunyuka komvuzo wovavanyo Imivuzo yahluka kakhulu kumvuzo womkhosi. Iinkampani ezinkulu zeFirst Officers zifumana imali engaphezulu kunee-lieutenant colonels ezininzi zoMkhosi woMoya, kwaye indlela yazo iya phezulu icacile.

Inyathelo 6. Phucula ube yiKapteni kwinkampani enkulu yeenqwelo-moya. Eli lixabiso eliphantsi lomsebenzi wezempi. Iikapteni eziphezulu eDelta, eUnited, naseMelika zifumana imali ephindaphindayo kunaleyo ifunyanwa yiyo nayiphi na inqwelo-moya esebenzayo, nokuba kukho iibhonasi ezibandakanyiweyo.

Ukugqiba le ndlela kufuna ixesha elicwangcisiweyo kunye nesicwangciso esicacileyo. I-Florida Flyers Flight Academy inceda abaqhubi beenqwelo moya ukuba bavale umsantsa phakathi kwenkonzo yasemkhosini kunye nokuqeshwa kweenqwelo moya. Umahluko phakathi komvuzo olungileyo wasemkhosini kunye nomsebenzi omhle weenqwelo moya kukwazi kakuhle ukuba uza kuthatha nini inyathelo ngalinye.

Inyathelo Lakho Elilandelayo: Bala Umfanekiso Opheleleyo

Umbuzo wokuba abaqhubi beenqwelo moya bafumana malini kuphela xa uyazi ukuba wenze ntoni ngempendulo. Umvuzo osisiseko, umvuzo wenqwelo moya, izibonelelo zendlu, kunye neebhonasi zenza umfanekiso omnye. Amandla okufumana umvuzo wexesha elide womsebenzi weenqwelo moya oqhelekileyo enza omnye umfanekiso.

Unyaka ngamnye umqhubi wenqwelo moya uhlala emkhosini emva kokuba isibophelelo sakhe singunyaka wokulibazisa indlela yengeniso egqitha umvuzo kapteni ophezulu. Umsantsa phakathi kwembuyekezo yomkhosi kunye nengeniso yeenqwelo moya uyanda ngokunyuswa ngakunye kulibaziseka. Leyo yindlela yokwenyani yokubala imali.

I-Florida Flyers Flight Academy ikho ukuze ivale loo msantsa. Utshintsho oluvela kwi-cockpit yomkhosi ukuya kumsebenzi weenqwelo moya lufuna iqabane eliqondayo omabini la mazwe. Qala incoko ngoku. Amanani ayanda kuphela ukusuka apha.