Dzimwe nguva zvinodhura zvakakwana kubhadhara mari yekutora mhosva muhomwe
Pane zvikonzero zvishoma zvinoita kuti vanhu vafunge kaviri vasati vasvitsa chikonzero chekupa mhosva . Zvichida kusina-kuvandudzwa kwezvizhinji zvekutyora-mhosva uye mari yakakwirira yeinishuwarenzi pamusana pezvikwereti zvinokonzera kuti iwe ucherechedze kuisa pekupa mhosva. Zvakawanda zvekupa-mhosva zvinoreva zvakakodzera kufungidzira apo vamwe vangave vasina kutengesa kubhadhara muhomwe.
Mibvunzo Yekufungisisa Usati Wabhadhara Chibvumirano Chekubuda Muhomwe
01 Pane imwe motokari inobatanidzwa here?
Muenzaniso: Iwe unonyatsoputira rutivi rwemotokari yako kurwisana negaraji rako. Nhamba yekufungidzira kubvisa zvidzitiro ndeye $ 550. Yako yakabhadharwa $ 500. Zvinogona kunge zvisingafaniri kuitika kuburikidza nematongerwo emitemo ye $ 50 mukudzoka.
02 Munguva pfupi yapfuura akaisa chikonzero chemhosva-kana kukanganisa kwemigwagwa mumakore matatu apfuura?
Muenzaniso: Iwe unobata porele yakakura panzira yako yekushanda. Inokuvadza tete rako, rim, uye kurongeka. Mari yekugadzirisa inodarika $ 1100 uye iwe une $ 500 deductible. Iwe zvakare wakatora ngozi yepamhosva pamotokari yako yemishuwarisi pasi pegore rakapfuura. Kuva nematambudziko maviri pamhosva-yepamusoro pekunyorera kwako kuchakuisa iwe nekuda kwekusashandurwa. Iwe unofanirwa kuwana inshuwarheni yakawanda yekutengesa kusvikira dare rekare rinopfuura makore matatu. Izvo zvingava mari yakawanda yakawanda kubhadhara mari yekutora kubva muhomwe vs. kutora $ 600 kuti ibatsire nekugadzirisa.
Inyanzvi yema inshuwarisi inogona kunge inodhura zvikuru. Inowanzoda kushandura motokari yveshuwarisi makambani. Kuisa mbiri pamhosva yekureva mutyairi mumwe chete mukati memakore matatu emakore nguva dzose inowanzoita kuti iwe uve mutyairi wepamusoro.
03 Ndezvipi zvekugadziriswa mukati me $ 500 kusvika ku $ 1000 zvekubviswa kwako?
Chinhu chakanaka pamusoro pekuisa chirevo ndechekuti iwe haufaniri kudika kuuya chii ichocho chikafu chikuru chemari. Iwe uchada kubhadhara iyo deductible uye chikwereti chichabhadharwa kwenguva. $ 500 inogona kuva nyore nyore kuuya nekunoreva $ 1100.
Muenzaniso: Unosarudza kuisa chikwata chekukanganisa ne $ 600 payout. Kuwedzera kwako kwemakore matatu anotevera kunowedzera kuwedzera kwe $ 300. Asi, mwedzi mitanhatu pasi pemutsara iwe uri-kukanganisa muhope huru ine $ 10 000 mune zvinokuvadza. Iwe zvechokwadi unoda kuisa chikamu chechipiri nekuda kwechikwata chemadhora akawanda, asi iwe ungadai uri nani pakubhadhara iwe wekutanga kuda iwe pachako. Zvechokwadi, iwe hauna kuziva kuti iwe unoda kuisa chikamu chechipiri, asi chimwe chinhu chaunofanira kufunga paunenge uchiisa zviduku pa-kuda mhosva.
04 Ndizvo zvinokonzera kukuvadza kwako pasi peinishuwarenzi yako yepamusoro yepamusoro?
Muenzaniso: Nhengo yako miririti inobviswa paunenge usingajekese nzvimbo yebhangi. Kugadzirisa kunodhura $ 900 uye yako yakabviswa i $ 500. Mushure mekunge iwe uchibhadhara yako yakagadziriswa, kambani ye inshuwarisi inovhara $ 400 inosara. Nokuti zvisingasviki $ 500 zvakabhadharwa, inshuwarheni yako haichazovhiringidzi nekutumira kudai.
Havasi vese vekutengesa inshuwarisi vane muganhu mumwechete we-pane-mhosva zvido. Zvakakosha kutarisa neinishuwarenzi yako kuti uone kana chibvumirano chakatenderwa.
Pakutadza-mhosva zvinogara zvichitsamwisa. Nzira yako yokutanga inogona kugara iri kuisa kudai . Nenguva yakawanda zvizhinji zvekutaura hazvibatsiri uye zvinoshevedza kuisa pakarepo. Ndicho zviduku zviduku zvinounza zvimwe zvinoshandiswa patafura. Tarisa pamusoro pezvose zvakakosha zvekutora kudai kana kuritora iwe pachako. Kakawanda, kufungidzira kudai kunobatsira nokuti iwe unokwanisa kukura kuwedzera kwekuwedzera kwemwedzi pane kukura nehomwe huru pane.
05 Iwe une hurongwa hwakanaka hwekubhadhara mari here?
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Iyo pfungwa yakanaka kuva nechikwata chekukurumidzira chakakura zvakakwana kuti chivhare inshuwarisi yako inobviswa uye kupfuura. Hapana mhedzisiro yekukosha kwechikwata chekukurumidzira chingakwanisa kuve mune hutano hwako hwakanaka. Shandisa izvozvi nenzira dzekukurumidza chete uye iwe uchazvionga munguva yemberi.