Dad badan ayaa hadda u jeeda dad badan oo kufsi ah, lakiin waa inaad adigu?
Dhowr sano ka hor, ganacsatadu waxay bilaabeen in ay ka faa'iideystaan oo ay maalgelin ka helaan dadweynaha si ay u helaan fikrado badan, khibrado, sababo iyo ganacsi kale iyada oo loo marayo nidaam la yiraahdo "crowdfunding" - lacag soo qaadashada iyada oo loo marayo deeqo badan oo ay sameeyeen dad badan . Ku tiirsanaanta awoodda Internetka, kor u qaadida qalabka mobile-ka iyo helitaanka warbaahinta bulshada, badeecooyin iyo adeegyo badan ayaa heley maalgalin dadweyne oo ku filan si looga furo fikradda abuuritaanka iyada oo dad badani ay ka faa'iideysanayaan.
Muddadan, bogagga internetka ee loogu talagalay in lagu caawiyo dad badan oo ku soo booda, iyo, si aan macquul ahayn, ololayaasha raadinaya maaliyad ayaa koray. Maanta, qabanqaabiyeyaashu waxay raadinayaan deeqo badan oo loogu talagalay mashruucyo badan, oo ay ka mid yihiin qabashada xafladaha loogu talagalay ardayda ka qalinjebisa sharciga-dugsiga si ay u bilaabaan beer dabiici ah; laga bilaabo maalgelinta kharashka caafimaadka ee qalliinka maskaxda si ay caruur uga qaadaan dibadda. (Xitaa dib loo soo celiyay tareenka Abraham Lincoln ee tareenka ayaa raadinayay maalgashi ballaadhan.) Ma aha wax la yaab leh, dad badan oo hadda ah ayaa sidoo kale u jeeda dad badan oo isku soo baxaya si ay u bixiyaan qarashka aaska iyo isku dhafka ka dib dhimashadii qof la jecel yahay haddii aanay awoodi karin. Maqaalkani wuxuu sahamiyaa haddii aad isku dayayso in aad isku daydo in ay dad badani ka baxaan aaska, aaska, xusuusta iyo kharashyada la xiriira dhimashada.
Miyuu Qaadaa Kicinta Miyir-qabka?
Bishii feberweri 2015, qof deggan Toronto, Canada, ayaa bilaabay olole ballaadhan kadib markii uu maqlay dhimashada naxdinta leh ee Elisha Marsh, oo ah wiil seddex sano jir ah oo geeriyooday xaalad qandho ah kadib markii uu ka soo wareegay dhismaha gurigiisa gurigiisa Toronto hal subax ma xirna laakiin waa shaati, dharka iyo kabaha jiilaalka.
(Waalidka bilaabay ololahan isdaba-joogga ah ee aan la xidhiidhin ilmaha.) Siddeed wakhti gudaheed, ololaha dadka badan ee lagu daboolayo kharashka Marshka aaska ayaa kor u kacay $ 10,000 iyo 24 saac gudahood, in ka badan $ 130,000 . (Dhab ahaantii, ololahan soo badanaya ee dadweynuhu wuxuu dhammaaday Febraayo 22, 2015, ka dib markii uu kor u kacay $ 173,000.)
Sida laga soo xigtay article FOX Business oo la daabacay Agoosto 2014, bogga internetka ee YouCaring.com ayaa ku qoran in ka badan 30,000 oo ah ololeyaal kharash- gareyn ah - in ka badan laba jeer qiimaha ku qoran goobta 12 bilood ka hor. Waxaa intaa dheer, sida ku cad qodobkan, boggan website-ka ee celceliska munaasabadda aas-aaska waxaa lagu soo ururiyay "qiyaastii $ 2,000" iyo bogga kale ee GoFundMe.com , kaas oo ku qoran in ka badan 22,000 oo ah ololayaal aas-aaska, abaal-marin iyo xusuus-qoryo, waxay kor u qaadeen celcelis ahaan $ 2,200.
Iyadoo lagu saleynayo tusaalooyinkan, waxaa laga yaabaa in laga yaabo in ay raadsadaan deeqo yaryar oo badan oo online ah oo ka socda tiro badan oo ajnabiya ah inay hubiyaan in ay ku filan yihiin lacago ku filan si ay kor ugu qaadaan dhowr kun oo doolar ama, laga yaabo in ay aad u sii xoogeystaan ka dib dhimashadii qof la jecel yahay. Laakiin haddii aad dhab ahaantii rajeyneyso natiijooyin isku mid ah haddii aad ka fekereyso olole ballaadhan oo aad ku bixinayso qarashka aasida aaska, aaska, xusuusta ama kharashyada kale ee kama dambaysta ah?
Xaqiiqooyin ku saabsan Nidaamyada Kala Duwan ee Loogu Talagalay Ololaha
Laga soo bilaabo March 20, 2015, iyo inkastoo si guul leh loogu maalgaliyo in ka badan 80,000 mashaariic ku qanacsan in ka badan 8.2 milyan oo deeq-bixiyayaal ah, heerka guusha ee Kickstarter.com (oo ah hogaamiye dadweyne badan) ayaa qiyaastii ah 39% dhammaan ololayaashii dadweynaha. (Ogoow: Kickstarter.com waxay u ogolaataa dadwaynaha mashaariicda hal abuurka ah, macnaheedu maaha ololeyaal jimicsi / baahi shakhsi ah loo oggol yahay.)
Waxaa intaa dheer, bishii Janaayo 2015-ka ee The New York Times ee ku saabsan qadarinta dadweynaha waxay ku jiraan faallooyinka Ethan Austin, oo ah aasaasaha iyo madaxwaynaha GiveForward.com , oo ah mid kale oo hogaaminaya bogga internetka (iyo kan u oggolaanaya ololaha kharashka kama dambaysta ah). Sida laga soo xigtay Austin, " 80 boqolkiiba dadka wax ku biiriya waa dad aad taqaan halkii ay ajnabi yihiin ." Waxa uu intaas ku daray: " In ka badan seddex ama afar qof oo ka mid ah 100-ka qof ee ku deeqaya waa lacag fiican ."
Qoraal kale oo ku saabsan dad badan oo la aas-aasay ayaa la daabacay bishii Sebtembar 2014-ka oo ku celinaya faallooyinka Austin oo si gaar ah ugu tixraacaya ololaha kama-dambeysta ah: "... ugu badnaan wuxuu ka imaan doonaa qaraabada iyo saaxiibada ."
Miyaad Kalliftaa Inaad Kordhiso Kharashka Gaajada?
Ururka Nadiifinta Aaska ee Qaranka (NFDA), oo ah urur ganacsi oo matala guryaha aaska, munaasabadaha aaska iyo kuwa kambiyuutarrada, waxay soo ururiyeen xog ku saabsan qarashyada aaska ilaa iyo 1960-kii waxayna si joogto ah u xisaabiyeen natiijooyinkan waxayna daabaceen xogta. Sida laga soo xigtay NFDA-kii ugu dambeeyay ee "Qorshaha Guud ee Qiimaha Qiimaha" (July 2013), celceliska kharashka " aaska dhaqameedka " waa $ 7,045 . ( Tani kuma jirto vault, oo ah xabsiyada had iyo jeer u baahan yihiin, oo ay ku jiraan musqusha qubayska, kharashka dhexdhexaadka ah ee aaska wuxuu kor u kacay $ 8,343 .)
Iyadoo lagu saleynayo celceliska NFDA ee kharashka aaska, oo ay u maleynayaan in ololaha ugu badan ee dadku isugu soo baxaan ay ka helaan lacagaha laga helo qaraabada iyo asxaabta, dadku waxay u badan tahay inaanay daboolin 100% kharashyada ku saabsan aaska, aaska, xusuusta iyo / ama qarashyada kale ee kama dambaysta ah ka dib dhimashada midka uu jecel yahay haddii xaaladaha ku hareereysan dhintay iyo / ama kuwa ka badbaaday ay si gaar ah u noqdaan kuwo maskax ahaan. (Xitaa markaa, ma jirto wax dammaanad ah.) Dhimashada naxdinta leh ee saddexda jirka ah ee Elisha Marsh ee kor ku xusan waxay heshay hoos-u-wacyi gelinta wararka, iyaga oo helaya daryeel, naxariis iyo dad badan oo ajnabi ah. Inkasta oo dhimashadeeda ay si cad u muujineyso dareen ahaanba kuwa ku garanaya oo jeclaaday dhimashada, dhimashooyinka intooda badani ma gaadhaan heerkan miyir-beelka dadweynaha.
Taasi waxay tidhi, ma jirto wax kaa hortagaya inaad ka heshid deeqda maaliyadeed iyada oo loo marayo bogga intarnetka ee loogu talagalay aaska, aaska, xusuusta iyo / ama kharashyada kale ee kama dambaysta ah. Inkastoo ay si guul leh u shaqeynayaan ololihii ugu dambeeyay ee ololaha xayiraadda waxay u baahan tahay shaqooyin badan, dad badan ayaa laga yaabaa inay tixgeliyaan waxtarka maaliyadeed ee waxtarka leh.
Dammiinka Dhamaystirka Kharashka Dhamaystirka-Kharashka
• Ku dhaji Gift
• Ku-deeqidda
• Sanduuqa Dhismaha
• Sii sii wad
• Socda Sanduuqa Me
• Indiegogo
• Tilt
• Daryeelkaaga
• Kaarka Daryeelka
Fikradda qoraaga: Xirfadaha badan ee isku xiran waxaa loogu talagalay ujeedooyinka macluumaadka kaliya, iyo akhristeyaashu waa inaysan ku dhejineynin ku daritaankooda halkan inay yihiin kalgacal, hadday muujiyaan ama sheegaan.
Macluumaad Dheeraad ah
• Miyuu yahay gabadha dhabta ah ee ugu wayn ee iibsashada kharashaadka ugu badan?
Ilaha :
"Caqabado badan oo looyaqaano jacayl: waxa aad ubaahantahay inaad ogaatid" by Kayleigh Kulp, August 8, 2014. www.foxbusiness.com . Dib loo soo celiyay March 3, 2015. http://www.foxbusiness.com/personal-finance/2014/08/08/crowdfunding-funerals-what-need-to-know
"Ololaha internetka wuxuu $ 130,000 kor u qaadayaa aaska Elijah" by Robin Levinson King, Febraayo 20, 2015. www.thestar.com. Raadinta March 3, 2015. http://www.thestar.com/news/gta/2015/02/20/online-campaign-for-elijahs-funeral-tops-35000.html
"Ka caawi daboolka kharashka Elijah Marsh aaska" by Justin Kozuch. www.tilt.com . Dib loo soo celiyay March 3, 2015. https://www.tilt.com/campaigns/help-cover-the-costs-of-unjah-marchs-funeral
"Stats." www.kickstarter.com . La soo celiyay March 20, 2015. https://www.kickstarter.com/help/stats
"Maareynta Kharashka Caafimaadka iyada oo Loogu Talagalay" by Constance Gustke, Janaayo 30, 2015. New York Times . La soo celiyay March 12, 2015. http://www.nytimes.com/2015/01/31/business/managing-health-costs-with-crowdfunding.html
"Qiyaasta Kharashka Guryaha ee Lacagtii Lacagtii" Jodi Helmer, Sebtember 4, 2014. www.nextavenue.org . La soo celiyay March 12, 2015. http://www.nextavenue.org/article/2014-08/crowdfunding-funeral-costs-loved-one
"2013 NFDA Xoghayaha Guud ee Qiimeeyaha." Agaasimayaasha Aasiyadaha Qaranka. Dib loo soo celiyay March 20, 2015. Ururinta qoraaga.