Abantu abaningi manje sebeya ekuxosheni emingcwabeni, kodwa kufanele wena?
Eminyakeni embalwa eyedlule, osomabhizinisi baqala ukucela futhi bathole izimali ezivela emphakathini ngenxa yemibono engenakubalwa, izimbangela, izimbangela kanye nezinye izinkampani ezenza ngenqubo ebizwa ngokuthi "ukuxuba abantu abaningi" - ukukhulisa imali ngeminikelo eminingi encane eyenziwe inani elikhulu labantu . Ngokuthembela kakhulu emandleni e-intanethi, ukusabalalisa kwamadivayisi eselula nokufinyeleleka kwezindaba zomphakathi, izimpahla eziningi nezinsizakalo zithole imali eyanele yomphakathi ukuhamba kusukela emqondweni kuya ekudalweni ngenxa yokubambisana kwabantu.
Phakathi nalesi sikhathi, amawebhusayithi azinikezele ekusizeni abantu abaningi, futhi, ngokungangabazeki, uhla lwemikhankaso efuna imali lukhule. Namuhla, abagqugquzeli bafuna iminikelo ye-multitudes ngemisebenzi eminingi, kubandakanya ukuqhuba idili labafundi abafunda izikole ezikoleni abaqedile ukuqala ipulazi ephilayo; kusukela ekukhokheni izindleko zezokwelapha ekuhlinzekeni kobuchopho ukwamukela izingane ezivela phesheya. (Ngisho no-Abraham Lincoln wangomunye umzila womngcwabo owawuvuselelwa imali.) Akumangalisi ukuthi abantu abaningi manje sebebuyele ezixukwini ukuze bakhokhele izindleko zokungcwaba nokufelwa ngemuva kokufa komuntu othandekayo uma bengakwazi ukukhokhela lezi zindleko. Lesi sihloko sihlola ukuthi ngabe kufanele uzame umngcwabo we-crowdfund, umngcwabo, isikhumbuzo nezinye izindleko ezihlobene nokufa.
Ingabe Imingcwabo Yomnotho Isebenza?
NgoFebruwari 2015, ohlala eToronto, eCanada, waqala umkhankaso wokubambisana kwabantu ngemuva kokuzwa kokufa okubuhlungu kuka-Elisha Marsh, umfana oneminyaka emithathu ubudala owashona ngokudonswa kwezimo ezibandayo ngemuva kokuphuma ehhovisi likagogo lakhe laseToronto ekuseni ngenye indlela ekuseni engagqoki lutho kodwa i-T-shirt, i-diapers kanye nezibhokisi zasebusika.
(Umnumzane owaqala lo mkhankaso wezixuku awuzange ahlobene nengane.) Kungakapheli amahora ayisishiyagalolunye, umkhankaso wokubambisana wabantu ukuphakamisa izindleko zomngcwabo kaMarsh wakhulisa u-$ 10,000 futhi, kungakapheli amahora angu-24, ngaphezulu kwamaRandi ayizigidi ezingu-130 . (Ngokusobala, lo mkhankaso wezixuku uphelile ngoFebhuwari 22, 2015, ngemva kokuphakamisa okungaphezu kwezingu-R173,000.)
Ngokwe-athikili yebhizinisi ye-FOX eyashicilelwe ngo-Agasti 2014, iwebhusayithi ye-crowdfunding u-YouCaring.com yabhalise imikhankaso engaphezulu kuka-30,000 yokugcina-izindleko - ngaphezulu kokuphindwe kabili inani elibalwe kusayithi 12 izinyanga ngaphambili. Ngaphezu kwalokho, ngokusho kwalesi sihloko, lo mkhankaso we-crowdfunded ohlobene nomngcwabo owenziwe ngomngcwabo ukhulise "u-$ 2,000" nakwezinye izakhiwo, i-GoFundMe.com , ebhalwe ngaphezulu kwamaphesenti angama-22,000 omngcwabo, inkokhelo nesikhumbuzo, ephakanyiswe ngamaRandi angu-2,200.
Ngokusekelwe kulezi zibonelo, omunye angase acabange ukuthi ukufuna iminikelo emincane encane ku-intanethi kusuka kunani labantu abangabazi kumele kuqinisekiswe ukuthi kunomthelela owanelisayo wokuphakamisa izinkulungwane ezimbalwa zamaRandi noma, mhlawumbe, ngokulandela kakhulu ukufa komuntu othandekayo. Kodwa uma ulindele ngempela imiphumela efanayo uma ucabangela umkhankaso we-crowdfunding ukukhokhela umngcwabo, ukucwatshwa, isikhumbuzo noma ezinye izindleko zokugcina?
Amaqiniso Ngemikhankaso Yesikhashana
Kusukela ngo-Mashi 20, 2015, futhi naphezu kokuxhasa ngezimali ngempumelelo amaphrojekthi angaphezulu kuka-80,000 abavunyelwe ngabanikeli abangaphezu kwezigidi ezingu-8.2, izinga lokuphumelela le-Kickstarter.com (isayithi eliholayo labantu abaningi) lilinganiselwa ku-39% kulo lonke imikhankaso yalo. (Qaphela: I-Kickstarter.com ivumela abantu abaningi ukuba babambe amaphrojekthi okudala kuphela, okusho ukuthi akukho mikhankaso yemingcwabo / izidingo zomuntu ezivunyelwe.)
Ngaphezu kwalokho, isihloko se-Januwari 2015 e -New York Times mayelana nokuxoshwa kwabantu abaningi kwakuhlanganisa imibono ka-Ethan Austin, oyisungula kanye nomongameli we-GiveForward.com , enye iwebhusayithi eholela ekubambeni abantu abaningi (futhi evumela imikhankaso yokugcina imali). Ngokusho kuka-Austin, " amaphesenti angu-80 abantu abafaka isandla ngabantu obaziyo kunokuba bangabazi ." Uyanezela: " Ukuthola abantu abathathu noma abane kwabangu-100 ukunikela ngezinga elihle ."
Enye indaba ephathelene nemingcwabo yeminyango eyashicilelwa ngo-September 2014 iphinde ibuye ibuye ibuye ikhulume amazwana ka-Austin futhi ibhekisele ngqo kumikhankaso yokugcina imali: "... iminikelo eminingi izovela ezihlotsheni nabangane ."
Ingabe Kufanele Usebenzise Imali Yomngcwabo?
I-National Funeral Directors Association (NFDA), inhlangano yokuhweba emele izindlu zomngcwabo, abaqondisi bemingcwabo nabaqhumisi, iqoqe idatha mayelana nezindleko zemngcwabo kusukela ngo-1960 futhi ihlale ibala lemiphumela iphinde ishicilele idatha. Ngokusho kweNFDA yakamuva "Inhlolovo Yohlu Olujwayelekile Lwezintengo" (July 2013), izindleko ezijwayelekile " zomngcwabo wendabuko " ngu-$ 7,045 . ( Lokhu akubandakanyi i-vault, okuyimingcwabo ngokuvamile edingekayo. Kubandakanya indawo yokungcwaba yamathuna, izindleko eziphakathi komngcwabo zifika ku-$ 8,343 .)
Ngokusekelwe kwezindleko zomngcwabo ezijwayelekile ze-NFDA, futhi ucabanga ukuthi imikhankaso eminingi yokukhokhela izindleko zokugcina izothola izinkokhelo ezivela ezihlotsheni nabangani, ukuxoshwa kwabantu abaningi ngeke kuhlanganise izindleko zomngcwabo wakho, ukucwiliswa, isikhumbuzo kanye / noma ezinye izindleko zokugcina emva kokufa othandekayo ngaphandle kokuba izimo ezizungezile oshonile kanye / noma abasindile zicindezela ngokomzwelo. (Ngisho noma kunjalo, akukho isiqinisekiso.) Ukufa okudabukisayo kuka-Elisha Marsh oneminyaka emithathu okukhulunywe ngaye ngenhla kwamukelwa izindaba eziphawulekayo, kuqukethe ukunakekelwa, ububele nokuxoshwa kwabantu abangabazi. Ngenkathi zonke ukufa kubonakala kuphoqelekile kulabo ababazi futhi bathande oshonile, ukufa okuningi akufinyeleli lelizinga lokuqaphela umphakathi.
Lokhu kusho, akukho lutho olukuvimbela ekuncenga iminikelo yezezimali nge-website ye- crowdfunding yomngcwabo, ukungcwatshwa, isikhumbuzo kanye / noma ezinye izindleko zokugcina. Ngenkathi isebenzise ngempumelelo umkhankaso wezindleko zabantu abadinga izindleko kudinga umsebenzi omningi, abantu abaningi bazobheka noma yiziphi izimali (ama) ezemali eziwusizo.
Amapulatifomu wokugcina ama-Final Expense Crowdfunding
• Idiphozi isipho
• Umnikelo
• Isikhwama sokungcwaba
• Nikeza phambili
• Yiya ku-Fund Me
• Indiegogo
• Tilt
• Ukunakekela
• Sikhathalela iKhadi
Inothi likaMlobi: Izixhumanisi ezixhumene neziphezulu ezingezansi zenzelwe izinhloso zokwaziswa kuphela, futhi abafundi akufanele baveze ukufakwa kwabo lapha njengokugunyazwa, kungakhathaliseki ukuthi kuvezwe noma kukhonjisiwe.
Imininingwane eyengeziwe :
• Ingabe Umngcwabo Ngempela Wokuphila Okwesithathu Okuthengayo Kakhulu?
Imithombo :
"Imingcwabo Yomkhumbi: Okudingeka Ukwazi" ngoKayleigh Kulp, ngo-Agasti 8, 2014. www.foxbusiness.com . Ibuyiselwe ngo-Mashi 3, 2015. http://www.foxbusiness.com/personal-finance/2014/08/08/crowdfunding-funding-what-need-toknow
"Umkhankaso we-inthanethi uvuselela u-$ 130,000 ngomngcwabo ka-Eliya" ngoRobin Levinson King, ngo-February 20, 2015. www.thestar.com. Ibuyiselwe ngo-Mashi 3, 2015. http://www.thestar.com/news/gta/2015/02/20/online-campaign-for-elijahs-funeral-tops-35000.html
"Sizosiza ukumboza izindleko zomngcwabo kaElizabeth Marsh" nguJustin Kozuch. www.tilt.com . Ibuyiselwe ngo-Mashi 3, 2015. https://www.tilt.com/campaigns/help-cover-the-costs-of-elijah-marchs-funeral
"Izibalo." www.kickstarter.com . Ibuyiselwe ngomhla ka-Mashi 20, 2015. https://www.kickstarter.com/help/stats
"Ukuphatha Izindleko Zempilo Ngezinkampani Zomphakathi" nguConstance Gustke, ngoJanuwari 30, 2015. I-New York Times . Ibuyiselwe ku-Mashi 12, 2015. http://www.nytimes.com/2015/01/31/business/managing-health-costs-with-crowdfunding.html
"Izindleko Zomngcwabo Zomngcwabo Omuntu Othandekayo" nguJood Helmer, September 4, 2014. www.nextavenue.org . Ibuyiselwe ku-Mashi 12, 2015. http://www.nextavenue.org/article/2014-08/crowdfunding-funeral-costs-loved-one
"Isifundo Sezintambo Zama-General List of 2013 NFDA." I-National Funeral Directors Association. Ibuyiselwe ngomhla ka-Mashi 20, 2015. Iqoqo lomlobi.