Vanhu vazhinji iye zvino vava kuenda kunzvimbo dzakawanda dzemariro, asi iwe?
Makore anoverengeka adarika, vezvemabhizimisi vakatanga kuteterera nekuwana mari kubva kuvanhu nekuda kwenhema, mazano, zvikonzero uye mamwe mabhizinesi emabhizimisi kuburikidza nehutano hunonzi "crowdfunding" -kukweretesa nemari yakawanda yezvipo zvakagadzirwa nehuwandu hwevanhu . Kunyanya kuvimba nesimba reInternet, kupararira kwemafashoni emafoni uye kufambira kwemashoko ezvehuwandu hwevanhu, zvinhu zvakasiyana-siyana uye zvipatara zvakagamuchira mari yakakwana yehurumende kubva kune pfungwa kusvika kusika nekuda kwevanhu vakawanda.
Munguva iyi, mawebsite akazvitsaurira kubatsira vanhu vakawanda kudzidza, uye, zvisingaiti, mhando yemishandirapamwe yekutsvaga mari yakakura. Nhasi, varongeri vanotsvaka zvipo zvevanhu vakawanda zvemishonga, kusanganisira kubata mabiko ekupedza vadzidzi vekuchikoro chepamutemo kutanga purazi yehupenyu; kubva pakubhadhara mari yezvechiremba ekuvhiya kweuropi kutora vana vanobva kune dzimwe nyika. (Kunyange iyo yakarongedzwazve naAbraham Lincoln yemariro yemari yekutsvaga mari yekubhadhara mari.) Hazvishamisi kuti vanhu vakawanda iye zvino vava kuenda kune vanhu vakawanda kuti vazobhadhara mari yekuviga uye kubhadhara mari yekufirwa mushure mekufa kwemudiwa kana vasingagoni kuwana mari iyi. Ichi chinyorwa chinotsvaga kana iwe uchifanira kuedza kuwanda kwemariro, kuviga, chiyeuchidzo uye zvimwe zvinotarisana nehupenyu.
Mari yeMapfudzi Anoshanda Here?
MunaFebruary 2015, anogara kuToronto, Canada, akatanga mutambo wevanhu vakawanda pashure pokunge anzwa nezvekufa kwakaipisisa kwaErisha Marsh, mukomana ane makore matatu akaurayiwa nekutsvaga kubva mumamiriro ekunze ane shungu mushure mekunge adzinge kubva kumadzimai eToronto yeimba yekuvaka imba rimwe mangwanani musingapfeki kunze kweT-shirt, diapers uye mabhoti echando.
(Mufudzi uyo akatanga chirongwa ichi chevanhu vakawanda chakanga chisina kufanana nemwana.) Maawa masere, mutambo wevanhu vakawanda wokubhadhara mari yeMarimha yakawedzera $ 10 000 uye, mukati maawa makumi maviri nemana, inopfuura madhora 130 000 . (Zvichiitika, iyi mhomho yevanhu vakawanda yakapera musi waFebruary 22, 2015, mushure mekuwedzera mari inopfuura $ 173,000.)
Maererano nebhuku reBusiness FOX rakabudiswa munaAugust 2014, webhusaiti yehuwandu yeWayCaring.com yakarongedza zvinopfuura 30,000 zvekupedzisira-mishandirapamwe yemari - kanopfuura kaviri mari yakanyorwa panzvimbo ino 12 mwedzi yapfuura. Zvakare, maererano neshoko rino, iyi webhusaiti yehutachidziro yemariro inowanikwa "inenge madhora 2 000" uye imwe nzvimbo yakawanda inoshandiswa, GoFundMe.com , iyo yakarongedza mhemberero dzinopfuura 22,000, mutero uye chiyeuchidzo, yakasimudza inenge ye $ 2 200.
Kubva pane mienzaniso iyi, mumwe angafunga kuti kutsvaga zvipo zviduku zvakawanda paIndaneti kubva kune vakawanda vatisingazivi vanofanirwa kuve nechokwadi chekupa zvipo zvakakwana zvekuunganidza mapoka mashomanana emadhora kana, zvichida, kunyanya kutevera rufu rwomudiwa. Asi iwe unonyatsotarisira mhinduro yakafanana here kana iwe uchifungidzira mushandirapamwe wevanhu vakawanda wokubhadhara pamariro, kuvigwa, chiyeuchidzo kana zvimwe zvekupedzisira mari?
Chokwadi pamusoro peCrowdfunding Campaigns
Kubva musi waMarch 20, 2015, uye pasinei nekubudirira kubhadhara mari inopfuura 80 000 mishonga inobvumirwa nevatori vanopfuura 8.2 mamiriyoni, kubudirira kweKickstarter.com (nzvimbo inotungamirira boka revanhu vakawanda) inenge 39% yemishandirapamwe yevanhu vakawanda. (Cherechedza: Kickstarter.com inobvumira crowdfunding kumapurani ekugadzira chete, zvinoreva kuti hapana mishandirapamwe yemariro / zvido zvevanhu zvinobvumirwa.)
Zvakare, nyaya yaJanuary 2015 iri muThe New York Times pamusoro pevanhu vakawanda vaisanganisira mazwi aEthan Austin, mubati wenhepfenyuro uye purezidhendi weApeForward.com , imwe yehutungamiri yebhuku revanhu vakawanda (uye iyo inobvumira mapurisa ekupedzisira ekudhura). Maererano naAustin, " 80 muzana yevanhu vanopa mari ndivo vanhu vaunoziva panzvimbo pevasingazivi ." Anowedzera kuti: " Kuwana vanhu vatatu kana vana kubva pazana kuti vape zvipo zvakanaka ."
Imwe nyaya pamusoro pemariro evanhu vakawanda anobudiswa munaSeptember 2014 inodzokorora mashoko aAustin uye inotaura zvakananga nezvemari yekupedzisira yekubhadhara mari: "... zvipo zvizhinji zvinobva kune hama neshamwari ."
Iwe Unofanirwa Iwe Kuunganidza Mari Yomubhadharo?
Sangano reNational Funeral Directors Association (NFDA), sangano rezvemabhizimisi rinomiririra misha yemariro, vafambisi vekuviga uye vanomisa, vakanyora mashoko pamusoro pemariro ekuchengetedza mari kubva muna 1960 uye nguva dzose vanoverenga mhinduro idzi uye vanobudisa zvinyorwa. Maererano neNFDA inonyanya kuwanikwa "General Price List Survey" (July 2013), inowanikwa mari ye " mutambo wemariro " ndeye $ 7045 . ( Izvi hazvirevi chivharo, iyo yemakuva inowanzodikanwa.Kubatanidza mumakuva, nzvimbo yepamutambo yemariro inokwana $ 8,343 .)
Kubva paNFDA inowanzoita mari yemariro, uye achifunga kuti mishandirapamwe yepamusoro-chekuita mari yakawanda inogamuchira michero inobva kune hama neshamwari, vanhu vakawanda havazoiti 100% yemari yemariro enyu, kuvigwa, chiyeuchidzo uye / kana zvimwe zvekupedzisira mari mushure mekufa kwe mumwe waunoda kunze kwekuti mamiriro ezvinhu akapoteredza akafa uye / kana vakapona vari kunyanya kumanikidza mupfungwa. (Uye kunyange zvakadaro, hapana chivimbiso.) Rufu rwakashata rwemakore matatu Erisha Marsh akarondedzerwa pamusoro apa rwakagamuchirwa nhau dzinokosha, zvichiita kuti tive nehanya, tsiye tsitsi uye vanhu vakawanda vasingazivi. Kunyange zvazvo rufu rwega roga rwakave rwakaomanikidza kune avo vaiziva uye vaida vakafa, vazhinji vanofa havakwanisi kuwana ruzivo rwevanhu.
Izvozvo zvakati, hapana chinokudzivirira kubva mukukumbira mari yezvemari kuburikidza newebsite yefellowfunding yemariro, kuvigwa, chiyeuchidzo uye / kana zvimwe zvekupedzisira mari. Kunyange zvazvo kubudirira kushanda kwekupedzisira-mari yevanhu vakawanda vanoda basa, vanhu vazhinji vanogona kutarisa chero mari ipi zvayo yemari inobatsira.
Mahwendefa ekupedzisira ekudhura Crowdfunding
• Dhipatimendi Chipo
• Mipiro Ku
• Mari yeMariro
• Ipai Pamberi
• Enda Fund Me
• Indiegogo
• Tenderera
• Iwe Unotarisira
• Tinotarisira Kadhi
Munyori weMunyori: Kuwanda kwevanhu vakawanda kune yepamusoro kwekupihwa kwemashoko chete, uye vaverengi havafaniri kutora kuiswa kwavo pano sechibvumirano, zvisingarevi kana kutaura.
Additional Information :
• Mufaro Ndiwo Hupenyu Hwechitatu Hwokudhura Kwakawanda Here?
Sources :
"Mhemberero dzeCrowdfunding: Zvaunoda Kuziva" naKayleigh Kulp, August 8, 2014. www.foxbusiness.com . Kudzorerwa musi waMarch 3, 2015. http://www.foxbusiness.com/personal-finance/2014/08/08/crowdfunding-funerals-what-need-toknow
"Purogiramu yepaIndaneti inokwidza madhora 130 000 nokuda kwekuvigwa kwaEria" naRobin Levinson King, February 20, 2015. www.thestar.com. Kudzorerwa musi waMarch 3, 2015. http://www.thestar.com/news/gta/2015/02/20/online-campaign-for-elijahs-funeral-tops-35000.html
"Rubatsiro Rakafukidza Mari Yekufa kweEria Marsh" naJustin Kozuch. www.tilt.com . Kudzorerwa musi waMarch 3, 2015. https://www.tilt.com/campaigns/help-cover-the-costs-of-elijah-marchs-funeral
"Stats." www.kickstarter.com . Kudzorerwa musi waMarch 20, 2015. https://www.kickstarter.com/help/stats
"Kutarisira Utano Hwemari neCrowdfunding" naConstance Gustke, January 30, 2015. The New York Times . Kudzorerwa March 12, 2015. http://www.nytimes.com/2015/01/31/business/managing-health-costs-with-crowdfunding.html
" Kubhadhara mari yemari yemari yemudiwa " naJodi Helmer, Svondo 4, 2014. www.nextavenue.org . Kudzokorora March 12, 2015. http://www.nextavenue.org/article/2014-08/crowdfunding-funeral-costs-loved-one
"2013 NFDA Member General General List Yokudzidza." National Funeral Directors Association. Kudzorerwa musi waMarch 20, 2015. Mutsara wevanyori.