Bangakanani Abashayeli Bezindiza Bezindiza Zezindiza? Ukuhlaziywa Okugcwele Kwesinxephezelo

Umuntu ozongenela umjaho wendiza ebuka itafula lokukhokhelwa kwezempi okokuqala ubona inombolo ebonakala inengqondo kodwa ingaphelele. Umbuzo wangempela, ukuthi abashayeli bezindiza bezindiza benza malini, awunayo impendulo eyodwa ngoba isakhiwo sesinxephezelo sihlukaniswe ngamabomu. Inkokhelo eyisisekelo iwubuso obubonakalayo kuphela.

Lokho iningi labashayeli bezindiza abafisayo elikuphuthelwayo igebe eliphakathi komholo omenyezelwe kanye nemali okufanele ithathwe ekhaya. Amasosha akha isinxephezelo ngezibonelelo, amabhonasi, kanye nezinzuzo imisebenzi yabantu abavamile engavamile ukufana nazo ekwakhiweni noma ekuphathweni kwentela. Ukuqonda ungqimba ngalunye kushintsha ukubalwa ngokuphelele.

Lesi sihloko sichaza yonke ingxenye yomholo womshayeli wendiza we-Air Force, kusukela kumholo wendiza kanye nezibonelelo zendlu kuya kumabhonasi okugcina kanye nezinzuzo zesikhathi eside. Uzobona isithombe esiphelele, hhayi nje ikholomu yomholo oyisisekelo eshadini.

Inkokhelo Eyisisekelo Iyindawo Yokuqala Kuphela

Izihloko eziningi mayelana nokuthi abashayeli bezindiza bezindiza bama malini etafuleni lokukhokhelwa. Lelo yiphutha. Inombolo eshadini lokukhokhelwa kwezempi ayiyona ingxenye ethakazelisayo kakhulu endabeni yesinxephezelo.

Umholo oyisisekelo ulandela isakhiwo esiqinile esixhunywe ezikhundleni kanye nesikhathi esisebenzayo. Isikhulu esisha esiqashwe ezingeni le-O-1 siyazuza inkokhelo yesikhulu esisezingeni lokuqala. Lelo nani likhuphuka ngokubikezela ngokukhushulwa ngakunye kanye nonyaka ngamunye wenkonzo.. Ngesikhathi umshayeli wendiza efika ku-O-4 noma ku-O-5, inkokhelo eyisisekelo iphindwe kabili noma kathathu. Inkokhelo yesikhundla esiphakathi kanye neyasesikhundleni esiphezulu ibonisa iminyaka yolwazi kanye nomthwalo wemfanelo okhulayo.

Kodwa inkokhelo eyisisekelo iphansi, hhayi uphahla. Ikhona ngaphakathi kohlelo olwenzelwe ukukhokhela abashayeli bezindiza okungaphezu kwalokho okushiwo yithebula lokukhokha. Amasosha awafuni abashayeli bezindiza bahambe baye ezindizeni. Ngakho-ke yakha ngezingqimba ezingaboniswa yishadi lokukhokha.

Cabanga ngalokho okuphuthelwa yimali eyisisekelo yodwa. Umshayeli wendiza e-O-3 oneminyaka eyisithupha yenkonzo uhola imali ehloniphekile. Lowo mshayeli wendiza ofanayo uthola izibonelelo zendlu, imali yendiza, kanye namabhonasi okugcina angadlula imali eyisisekelo uqobo. Ithebula lokukhokha liyingxenye ebonakalayo yeqhwa. Konke okunye kungaphansi komugqa wamanzi.

Yingakho ukuqhathanisa inkokhelo yabashayeli bezindiza zempi namaholo abantu abavamile kusetshenziswa inkokhelo eyisisekelo yodwa kuyinkohliso. Isithombe sesinxephezelo esiphelele sinengqondo kuphela uma ungeza ungqimba ngalunye. Yilapho kuhlala khona izinombolo zangempela..

Thatha imali yesibonelelo sendlu wedwa. Umshayeli wendiza we-O-3 osebenza eHurlburt Field uthola iSisekelo Sezindlu esingaphezu kuka-$2,000 ngenyanga ngaphandle kwentela. Leyo imali itafula lokukhokhelwa elingayibhali.

Inkokhelo yendiza yengeza olunye ungqimba. Inkokhelo Yesikhuthazo Somsebenzi Wezindiza iqala ku-$125 ngenyanga kubashayeli bezindiza abasha futhi ikhuphukela ku-$840 ngenyanga ngonyaka we-14. Lokhu kukhula kuhlangana nomsebenzi ngezindlela ishadi lomholo eliyisisekelo elingenakukwazi ukuzibamba.

Amabhonasi Okukhokha Indiza kanye Nezindiza Anezela Isisindo Sangempela

Inkokhelo eyisisekelo yilapho ingxoxo iqala khona, kodwa akukhona lapho imali ihlala khona. Amabhonasi okukhokhelwa kwendiza kanye nokugcinwa yiwo ahlukanisa isinxephezelo somshayeli we-Air Force kumholo wawo wonke amanye amaphoyisa. Lezi zingxenye ziphendula umbuzo wangempela wokuthi abashayeli bezindiza basemoyeni benza malini uma uhlelo oluphelele lufakwa.

Umholo Wesikhuthazo Somsebenzi Wezindiza: I-Premium Yendiza Yanyanga Zonke

Wonke umshayeli wendiza ofanelekayo uthola i-Aviation Career Incentive Pay, evame ukubizwa ngokuthi i-flight pay. Inani lilinganiswa neminyaka yenkonzo yezindiza, liqala kancane futhi likhuphuke njengoba ulwazi luqoqana. Lokhu akuyona ibhonasi yokusebenza okuhle kakhulu, kuyisinxephezelo sezidingo ezingokwemvelo zezindiza zempi ezindizayo.

Inkokhelo Yokuqhubeka Kwezindiza: I-Retention Lever

I-Aviation Continuation Pay iyithuluzi eliyinhloko le-Air Force lokugcina abashayeli bezindiza abanolwazi e-cockpit. Abashayeli bezindiza abazibophezele eminyakeni eyengeziwe yenkonzo bangathola Izivumelwano Zokukhokhelwa Eziqhubekayo Zezindiza ezingeza imali engenayo enkulu yonyaka. Lesi sakhiwo sivuza isikhathi eside kanye nokuzibophezela ngaphezu kwenkonzo yesikhashana.

Indlela Ibhonasi Engu-$600,000 Esebenza Ngayo Ngempela

Inani elikhulunywa kakhulu ngamaRandi angu-600,000 alilona isheke elilodwa. Liyibhonasi yokugcina yeminyaka eminingi ekhokhwa ngezitolimende phakathi nesikhathi senkontileka. Umshayeli wendiza osayina isivumelwano seminyaka eyishumi uthola inani eliphelele kuleyo minyaka, okwenza ukwengezwa konyaka kube okubalulekile kodwa kungashintshi impilo enkokhelweni eyodwa.

Kungani Lezi Zinkokhelo Zibaluleke Kakhulu Kunokukhokha Okuyisisekelo

Imali yendiza kanye namabhonasi kungangeza amashumi ezinkulungwane zamaRandi esinxephezelweni saminyaka yonke ngaphezu kwalokho okuboniswa etafuleni lomholo. Umshayeli wendiza ophakathi nomsebenzi onenkokhelo yendiza kanye nenkontileka esebenzayo ye-ACP uhola imali engaphezu kwesikhulu esingakalwanga esinesikhundla esifanayo. Leli gebe yilapho isithombe sangempela sezezimali sokuthi abashayeli bezindiza bezempi basemoyeni benza malini sigxila khona.

Izibonelelo Zezindlu Nezokuphila Ziyinzuzo Etholwa Yintela

Iphutha elivame kakhulu ekuphenduleni ukuthi abashayeli bezindiza basemoyeni benza malini ukungazinaki izinzuzo zentela ezifakwe ezibonelelweni ezimbili ezithile. Isibonelelo Esiyisisekelo Sezindlu (BAH) kanye nesibonelelo Esiyisisekelo Sokuphila (BAS) akuzona amabhonasi, ziyimali engenayo engenayo engenayo intela ekhulisa amandla okuthenga edola ngalinye. Umuntu ohola imali engu-$60,000 emholweni ukhokha intela yengeniso kudola ngalinye. Umshayeli wendiza ohola u-$30,000 ku-BAH ugcina idola ngalinye.

I-BAH ibalwa ngokwesikhundla, isimo sokuthembela, kanye nendawo. Umshayeli wendiza osebenza esikhungweni esibiza kakhulu uthola okungaphezu kweyodwa esisekelweni esibiza kancane. Uhlelo lwenzelwe ukumboza izindleko zokuhlala ezingaphandle kwesisekelo ngaphandle kokuba umshayeli wendiza akhokhe ngemali yakhe. Inani elisebenzayo liphakeme kunenombolo ejwayelekile ngoba akukho ntela kahulumeni noma kahulumeni ethinta yona.

I-BAS ihlanganisa ukudla. Iyinani elilinganiselwe lanyanga zonke elikhokhelwa zonke izikhulu, kungakhathaliseki ukuthi zidla kuphi. Izinga lamanje lamaphoyisa libekwa minyaka yonke futhi lilungiselelwa ukukhuphuka kwamanani. Njenge-BAH, lifika lingenantela. Umshayeli wendiza ohlala ezindlini eziyisisekelo futhi odla endaweni yokudlela usathola inani eliphelele le-BAS, liyimali engenayo, hhayi imbuyiselo.

Qhathanisa lokhu nezilinganiso ezilinganayo zabantu abavamile. Isisebenzi somkhakha ozimele esikhokha irenti yanyanga zonke engu-$1,500 kanye nemali engenayo yangemva kwentela kumele sithole cishe u-$2,000 ngaphambi kwentela ukuze sikhokhele lezo zindleko. Umshayeli wendiza othola u-$1,500 ku-BAH engenantela udinga ngqo u-$1,500 kumholo ophelele ukuze athole umphumela ofanayo. Umehluko uhlangana nomsebenzi. isakhiwo somholo womshayeli wezindiza wezempi ukulayisha ngamabomu inani kusengaphambili ngokuphathwa kwentela kunokuba kube umholo oyisisekelo.

Lokhu kusho ukuthi kulula. Inkokhelo eyisisekelo iyodwa ayikwazi ukuqoqa isithombe esiphelele sezezimali. Abashayeli bezindiza ababili abanezikhundla ezifanayo nesikhathi esifanayo enkonzweni bangaba nesinxephezelo esiphelele esihlukile kuye ngokuthi bahlala kuphi nokuthi bayisebenzisa kanjani le mali.

Iphakheji Yezinzuzo Incintisana Nanoma Yimuphi Umsebenzi Womphakathi

Ukuqhathaniswa okuningi kwemiholo kuphelela emgqeni womholo. Lokho akunalo inani langempela lenkonzo yezempi.

Iphakheji yezinzuzo zabashayeli bezindiza be-Air Force ihlanganisa izinhlelo zomshuwalense, zomhlalaphansi, kanye nezokuzijabulisa ezinezela ukuphepha okukhulu kwezezimali.

Umshwalense Ohlanganisa Okungaphezu Kwenqubomgomo

The iphakheji yomshwalense nezinzuzo kufaka phakathi ukumbozwa kwezokwelapha kanye namazinyo okungenazo izinkokhelo zanyanga zonke. Imali elingana neyomphakathi kumqashi omkhulu ibiza izinkulungwane ngonyaka ngamaphrimiyamu kuphela. Ukumbozwa kudlulela kubantu abathembele kuye futhi kufaka phakathi ukufinyelela ezindaweni zokwelapha zamasosha emhlabeni jikelele.

Umhlalaphansi Oqala Ukukhokhelwa Eminyakeni Engu-20

Uhlelo Lomhlalaphansi Oluhlanganisiwe luhlanganisa impesheni enezinzuzo ezichaziwe noHlelo Lokonga Imali Eningi oluhambisana neminikelo. Umshayeli wendiza okhonza iminyaka engama-20 uthola impesheni eqala ngokushesha lapho ehlukana. Leyo pensheni iyaqhubeka impilo yakhe yonke, ilungiswe ngenxa yokwehla kwamandla emali. Imisebenzi embalwa yomphakathi inikeza umfudlana wemali engenayo oqinisekisiwe oqala ngeminyaka yama-1940.

Izinhlelo Zokuzilibazisa Nezinga Lokuphila

Izinhlelo ze-Morale, ze-Welfare, kanye nezokungcebeleka zinikeza izinsiza zokuhamba, indawo yokuhlala, kanye nezokungcebeleka ezincishisiwe kuzo zonke izikhungo. Ukufinyelela kumakhomishana kanye nokushintshana kunciphisa izindleko zasekhaya. Iphakheji yezinzuzo iguqula isimo sezezimali somuntu oqala umsebenzi. Izindleko zomshuwalense ziyanyamalala. Imali engenayo yomhlalaphansi iqala amashumi eminyaka ngaphambi kwesikhathi. Izinhlelo zokuzijabulisa zehlisa izindleko zansuku zonke.

Cabanga ngokulingana kwabantu abavamile. Ukaputeni omkhulu eDelta noma e-United ukhokha cishe u-$1,500 ngenyanga ukuze athole umshwalense wezempilo womndeni ofanayo. Umshayeli wendiza we-Air Force akakhokhi lutho. Lowo mehluko uwodwa udlula u-$18,000 ngonyaka ngenani lokuya ekhaya.

Ukubalwa kwempesheni kubaluleke kakhulu. Umshayeli wendiza othatha umhlalaphansi eneminyaka engu-42 eneminyaka engu-20 yenkonzo uqoqa cishe u-40% wenkokhelo eyisisekelo yempilo yonke. Umshayeli wendiza ovamile kumele akhokhele umhlalaphansi wakhe ngeminikelo ka-401(k) kanye nembuyiselo yemakethe. Isakhiwo sezempi sisusa ingozi yemakethe ngokuphelele.

Yini Abashayeli Bezindiza Abayitholayo $400,000 Ngonyaka?

Impendulo emfushane: akekho umshayeli wendiza we-Air Force osebenzayo othola leso sibalo ngomholo oyisisekelo kanye nezibonelelo zodwa. Impendulo ende yembula ukuthi lelo nani lihlala kuphi ngempela. Isinxephezelo esiphelele somshayeli wendiza wezempi sikhulu kakhulu. I-O-5 ephezulu enenkokhelo yendiza, i-BAH, i-BAS, kanye nezinzuzo isondela ephaketheni eliqinile elinamanani ayisithupha. Kodwa u-$400,000 awukho kulolo hlu.

Okaputeni bezindiza abaphezulu ezinkampanini ezinkulu zezindiza bafinyelela ku-$400,000. Umshayeli wendiza we-Deltas phezulu esikalini sabo somholo basula lowo mkhawulo ngemuva kweminyaka yokuqongelela iminyaka yobudala. Umuntu ofanayo ondiza ngendiza eya e-Air Force eneminyaka engamashumi amathathu angandiza eya enkampanini yezindiza eneminyaka engamashumi amane futhi athole imali ephindwe kathathu.

Leyo ndlela iyiqiniso. Amasosha akha amakhono namahora. Umsebenzi wezindiza uvula imali engenayo. I-Florida Flyers Flight Academy isiza abashayeli bezindiza ukuthi bashintshele ezikhungweni zempi baye ezihlalweni zezikhulu zezindiza. Inani elingu-$400,000 aliyona inganekwane. Lidinga nje iyunifomu ehlukile ukuze lizuze.

Ukudideka kuyaqhubeka ngoba eminye imithombo eku-inthanethi ihlanganisa inani lomhlalaphansi wezempi nomholo womsebenzi osebenzayo. Umsebenzi we-Air Force weminyaka engamashumi amabili onempesheni ebiza ngaphezu kwesigidi samaRandi ngenani lamanje uhlanganiswa nezibalo zesinxephezelo sonyaka. Leyo akuyona inkokhelo okufanele uyithathe uye nayo ekhaya. Leyo yinzuzo yesikhathi eside edinga iminyaka engamashumi amabili yenkonzo ukuze uyiqoqe.

Ukuhlukanisa imali engenayo yamanje nesinxephezelo esihlehlisiwe kushintsha izibalo. Isibalo samaRandi angu-400,000 sivela kuphela uma othile engeza umfudlana wempesheni wesikhathi esizayo kumholo oyisisekelo wanamuhla. Lokho kubalwa kwandisa inani langempela ngesilinganiso sesithathu noma ngaphezulu.

Ibhonasi engu-$600,000: Lokho Okukushoyo Ngempela

Inkokhelo Yokuqhubeka Kwezindiza (i-ACP) ibhonasi yokugcina eyenzelwe ukugcina abashayeli bezindiza abanolwazi e-cockpit bedlula isibopho sabo sokuqala senkonzo. Yinkontileka yeminyaka eminingi ekhokhelwa iminyaka eminingana, ngokuvamile ngezitolimende zonyaka.

Inani elingu-$600,000 liphindaphindwa njengenombolo eyinhloko. Lokho kusho ukuthi umshayeli wendiza ozibophezele esikhathini esengeziwe senkonzo, ngokuvamile iminyaka eyisishiyagalolunye kuya kweyishumi nambili, uthola izinkokhelo ezihlelekile phakathi naso sonke leso sikhathi.

Lo mehluko ubalulekile ngoba ushintsha izibalo zezimali. Iqiniso liseduze nesengezo sonyaka, esihlanganiswe nomholo oyisisekelo kanye nezibonelelo, okwenza ukuhlala enkonzweni kube nokuncintisana ngokwezimali nezinketho zokuqala zomphakathi.

Ukuqonda okulungile kwe Inkokhelo Yokuqhubeka Kwezindiza kwembula ukuhweba ngamabomu. Ibhonasi inkulu ngokwanele ukugcina ithalente kodwa ihlelwe ukugwema ukudala inzuzo eyodwa ebangela izinkinga zentela noma ukukhuphuka kwamanani endleleni yokuphila. Kulabo abahlola izinombolo, umbuzo wangempela uwukuthi ingabe ukuzibophezela kweminyaka eminingi kuyahambisana nesikhathi sabo somsebenzi kanye nemigomo yabo yokuthola imali yesikhathi eside.

Cabanga ngokaputeni oneminyaka eyishumi esebenza ebhekene nenkokhelo yaminyaka yonke ye-ACP engu-$35,000. Lowo mshayeli wendiza ofanayo angangena enkampanini yezindiza yesifunda futhi athole u-$120,000 ngonyaka wokuqala enendlela ecacile eya ku-$200,000 phakathi neminyaka emithathu. Ibhonasi ivala igebe kodwa ayilisusi. Isinqumo siba ukubheja endleleni, hhayi ukuqhathaniswa kwemiholo yamanje.

Umshayeli wendiza oqonda lesi sakhiwo angaxoxisana ngesikhathi somsebenzi wakhe ngokunemba. Izinkokhelo ze-ACP zingafakwa ezicelweni zezindlu, ukuhlela umhlalaphansi, kanye nokonga imali yemfundo njengemithombo yemali engenayo ebikezelwayo. Iphutha ukuphatha ibhonasi njengento ewusizo uma isebenza njengesengezo somholo wokugcina imali esenzelwe ukwenza izibalo zisebenzele izinhlangothi zombili.

Kusukela Kumshayeli Wezindiza Wezempi Kuya Kukaputeni Wezindiza: Indlela Yokukhokha

Indlela esuka e-cockpit yezempi iye esihlalweni sikakaputeni wendiza iyisitebhisi sezezimali, hhayi ukugxuma okukodwa. Iningi labashayeli bezindiza alinaki ukuthi izinyathelo zokuqala zibabize malini. Ukudweba imephu yalolu hambo kushintsha indlela owubheka ngayo unyaka ngamunye wenkonzo.

Isinyathelo 1. Khonza ukuzibophezela kwakho kokuqala njengomshayeli wendiza we-Air Force. Lokhu kwakha amahora okundiza, ulwazi lobuholi, kanye nezilinganiso zohlobo ezidingwa yizindiza. Ihora ngalinye ongene ngalo endizeni yezempi liwukutshalwa kwezimali okuqondile ekuqashweni kwakho kwezempi.

Isinyathelo 2. Nquma ukuthi uzoshintsha nini. Ukuhamba ekupheleni kwesibopho sakho senkonzo kusho ukungena echibini lokuqasha lezindiza uneziqinisekiso eziqinile. Ukuhlala isikhathi eside ukuze uthole ukubambezeleka kwebhonasi yokugcina okufana nokwesilinganiso somholo wabantu abavamile, okuhambisana nomsebenzi.

Isinyathelo 3. Ngena endizeni yesifunda njengoMphathi Wokuqala. Lokhu ukukhokhelwa kabusha kweholo abashayeli bezindiza abaningi abakuthola kushaqisa. Umholo uphansi kunesinxephezelo sezempi, kodwa iwashi liqala ukushaya ngokuya ekuthuthukisweni kukakaputeni okushintsha konke.

Isinyathelo 4. Thuthukela kuKaputeni kunkampani yezindiza yesifunda. Lesi sinyathelo siphinda kabili amandla akho okuthola imali uma kuqhathaniswa nesihlalo se-First Officer. Isikhathi sokuthuthukiswa siyahlukahluka kuye ngendiza kanye nesidingo, kodwa njalo ngenyanga esihlalweni sesobunxele kusheshisa ukunyakaza okulandelayo.

Isinyathelo 5. Shiya enkampanini enkulu yezindiza njenge-First Officer. Yilapho-ke ukuqhubekela phambili komholo wokuhlola ihluka kakhulu emalini ekhokhelwa yimpi. Izikhulu ze-First Officers zithola imali eningi kunezikhulu eziningi ze-Air Force, ngendlela ecacile eya phezulu.

Isinyathelo 6. Thuthukela kuKaputeni enkampanini enkulu yezindiza. Lokhu kuwumkhawulo wezezimali womsebenzi wabantu abavamile. Okaputeni abaphezulu eDelta, e-United, naseMelika bathola imali ephindaphindwayo yalokho okwenziwa yinoma yimuphi umshayeli wendiza osebenzayo, ngisho noma kufakwe amabhonasi.

Ukuqedela lo mzila kudinga isikhathi esiqondile kanye nohlelo olucacile. I-Florida Flyers Flight Academy isiza abashayeli bezindiza ukuvala igebe phakathi kwenkonzo yezempi kanye nokuqashwa kwezindiza. Umehluko phakathi komholo omuhle wezempi kanye nomsebenzi omuhle wezindiza ukwazi kahle ukuthi kufanele wenze nini isinyathelo ngasinye.

Isinyathelo Sakho Esilandelayo: Bala Isithombe Esigcwele

Umbuzo wokuthi abashayeli bezindiza bezindiza benza malini ubalulekile kuphela uma wazi ukuthi wenzeni ngempendulo. Inkokhelo eyisisekelo, inkokhelo yendiza, izibonelelo zendlu, kanye namabhonasi kwakha isithombe esisodwa. Amandla okuthola imali yesikhathi eside yomsebenzi wezindiza ovamile akha esinye isithombe.

Njalo ngonyaka umshayeli wendiza uhlala ebuthweni lezempi ngemva kokuzibophezela kwakhe kungunyaka abahlehlisa ngawo umzila wemali engenayo odlula umholo kakaputeni omkhulu. Igebe phakathi kwesinxephezelo sezempi kanye nemali engenayo yezindiza liyakhula njengoba ukukhushulwa ngakunye kulibaziseka. Yilokho ukubalwa kwezezimali kwangempela.

I-Florida Flyers Flight Academy ikhona ukuze ivale leso sikhala. Ukushintsha kusuka esikhungweni sezempi ukuya emsebenzini wezindiza kudinga umlingani oqondayo womabili la mazwe. Qala ingxoxo manje. Izinombolo zikhula kuphela kusukela lapha.